Financial Wellness
Audit Your Expenses: 5 Ways to Review Your Spending
Audit your spending to uncover patterns, cut waste, and align expenses with goals. Small adjustments will boost financial confidence.
Articles by Kathleen Coxwell
Retirement Income
The 4.7% Rule: Why Bengen Raised His Safe Withdrawal Rate
The 4% rule is now the 4.7% rule, but safe withdrawal rates are no substitute for a holistic retirement plan.
Retirement Savings and Investments
How Many 401k Rollovers Per Year: Rules and Strategy
How many 401k rollovers per year can you do? Understand the one-per-year rule, direct rollovers, taxes, and smart timing with Boldin’s Savings Playbook.
Retirement Savings and Investments
Market Downturns: What History Teaches Your Retirement Plan
The history of recent market downturns, lessons to be learned, and how to apply those lessons to your future plans.
Financial Wellness
Beyond Chance of Success: Assess Your Financial Health
Go beyond wealth. Measure your true financial health. Explore retirement, risk, cash flow, tax, and other financial metrics.
Financial Wellness
Back to School: Is College Still Worth the Cost of Tuition?
Are college costs worth it? A degree promises higher earnings, but not always more lifetime wealth.
Retirement Savings and Investments
The Investor Return Gap: How Behavior Shapes Wealth
Investor behavior is costing them wealth. Learn how planning, discipline, and smart habits help you capture more returns.
Retirement Savings and Investments
What Is Rebalancing, and When Should You Do It?
Rebalancing investments resets your portfolio to its target mix by selling what’s grown and buying what’s fallen behind. Here’s how it works.
Happy Retirement
8 Aha Moments from Boldin Users Who Wrote a Plan
Discover the top financial aha moments! Have you experienced all of these insights? From spending and taxes to flexibility and confidence.
Retirement Planning
Flexible Planning: 10 Strategies to Build a Resilient Future
Retirement security is less a number and more a mindset. Flexibility can be the difference between surviving and thriving.
Retirement Income
How to Qualify for the Highest Social Security Benefit Possible
What’s the highest Social Security benefit? Will you qualify? Get easy answers for a wealthier retirement.
Annuities
What Is Better Than an Annuity? Annuity vs. IRA and Roth IRA
What is better than an annuity for retirement? Explore smarter investment and income strategies to grow and protect your wealth.
Retirement Planning
Financial Motivation: How It Shapes Your Decisions
Financial motivations drive your financial decisions. Be aware of them and you will make better choices.
Retirement Savings and Investments
Trump's 401k Order: Crypto and Private Equity in Your Plan?
Trump’s 401k order to allow alternative investments in retirement plans. Who really wins? The move boosts choice for savers but also risks.
Retirement Income
The Two Roth 5-Year Rules, Explained for Early Retirees
Want to retire in your 50s and withdraw from savings? You need to understand the Roth 5 year rules to avoid penalties.
Lifestyle
Societal Collapse: Can You Protect Your Wealth?
Can you really plan for societal collapse? Most Boldin users (planners by nature) say don’t bother. Here’s their advice.
Retirement Savings and Investments
A Big Risk for Retirement Investments? Avoiding Risk!
According to experts, one of the biggest risks in financial planning isn’t investing in a volatile portfolio, but rather avoiding risk altogether.
Happy Retirement
When Does Happiness Peak? Probably Later Than You Think
One of the happiest ages in life occurs in what many would consider “old age.” Find out which two years will be (or were) your happiest ever.
Retirement Planning
Planning Mindset: The Secret to Financial Discipline
Too many people think that their financial destiny is set and can’t be changed. Find out how a planning mindset improves wealth and security.
Retirement Planning
Retirement Boredom: One of Many Unexpected Retirement Challenges
From retirement boredom to too much to do, here are the top 9 surprises when you stop working. Plus, 14 ways to overcome the challenges.
Retirement Planning
Can I Retire at 55? Key Steps to Make Early Retirement Work
Can I retire at 55? It’s a common question for Americans seeking more freedom in their prime. Retiring five to ten years before traditional retirement age can o…
Happy Retirement
Having Fun in Retirement: Why Play Matters at Any Age
Play should be an important component of both work and retirement. Explore why it’s so important and how to do it more.
Planning
Good Debt and Bad Debt: A Quick Guide to Borrowing Wisely
Debt isn’t necessarily terrible. Good debt helps you get ahead. Bad debt puts you in a hole. Understand the differences for better financial outcomes.
Planning
Written Plan Benefits: 10 Insights from Schwab and Vanguard
The secret to financial success? A written plan! Get valuable 10 insights that could change how you think about your future.
