Financial Planning Blog & Retirement Resources

Should I Invest in 401k or Roth IRA?

Should I invest in 401k or Roth IRA? Learn how to decide based on taxes, income, and retirement goals, with examples and guidance.

The Number of Senior Renters Grew 30% in a Decade: Should You Be Renting in Retirement?

Boldin Made the 2025 Inc. 5000 List

We made the 2025 Inc. 5000 list! Thank you to our community for helping us grow and transform financial planning.

Financial Motivation: How It Shapes Your Decisions

Financial motivations drive your financial decisions. Be aware of them and you will make better choices.

Most boomers and Gen X-ers are terrified about running out of money in retirement — even if they’re already retired

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.

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.

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.

Five Reasons to Take Social Security Early

Thinking about claiming benefits early? Here are five reasons to take Social Security early—and how to decide if it’s right for you.

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.

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.

Podcast 98: Retired, Not Done – How Scott Garrett Took Control of His Financial Future

Retired early, but not done. Scott Garrett shares how Boldin gave him the confidence to leave work and retire on his own terms.

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 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 Budget Worksheet: Your Step-by-Step Guide to Smarter Planning

Create a flexible retirement budget worksheet with Boldin. Compare tools, track retirement expenses, and build your plan with confidence.

Can I Retire at 50? Discover the Secrets to Financial Freedom Early

Explore if you can retire at 50! Discover essential steps, financial strategies, and lifestyle tips for early financial freedom.

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…

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.

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.

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.

Podcast 97: Money, Marriage, & Raising Financially Fit Kids with Andy Hill

Steve Chen & Andy Hill discuss how to turn negative net worth into Coast FI, spark kids’ money talks & own your family time.

Financial Optimism: Are You Too Optimistic or Pessimistic?

Is your glass half full or half empty? Learn why financial optimism delivers better outcomes and how to develop a sunnier outlook and why optimistic realism is…

Longevity Annuity: Insurance Against Outliving Your Money

Find out if longevity annuities can alleviate your biggest retirement anxieties. Can they offer you the peace of mind you seek?

Boldin's Monte Carlo Score: What It Is and Why It Matters

Learn about everything that has changed (and why) in Boldin’s Monte Carlo analysis and your Chance of Retirement Success score.