Financial Planning Blog & Retirement Resources

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A man kisses a smiling East Asian woman on the forehead as they embrace on a rocky coastline at sunset, evoking the serene and beautiful landscapes people seek out when researching the best places to retire in the world. Lifestyle

Best Places to Retire in the World: 2026 Rankings and Costs

Some 44% of Americans seriously consider retiring abroad. Greece ranked #1 in 2026. See costs, visa requirements, and where demand is going.

June 2, 2026
Retirement Planning

Why Having a Plan Gives You More Freedom in Retirement

A retirement plan isn’t about restriction. It’s what turns limited resources into real confidence. Here’s why the constraint is the point.

June 1, 2026
A smiling Black man with a beard looks off-camera while standing outside in a sunlit garden, reflecting the joy and freedom of planning early to beat the average retirement age. Retirement Planning

Why the Average Retirement Age Is 61, Not 66

Layoffs, health problems, and caregiving push most retirements earlier than planned. See average retirement age by state and data source.

May 31, 2026
An older couple smiles and chats while holding wine glasses during an evening patio dinner party, with a younger couple in the background, capturing the joy of celebrating major family milestones like buying a house for your child. Retirement Savings and Investments

What Buying a House for Your Child Costs Your Retirement

A $150,000 gift can cost $360,000 in retirement terms. Here’s the opportunity cost math, gift tax rules, and four ways to structure the help.

May 28, 2026
A happy senior couple sits together on a log laughing while holding water bottles during a hike, illustrating how reliable retirement income can help bridge the gap left by a low S&P 500 dividend yield. Retirement Savings and Investments

S&P 500 Dividend Yield Is 1%: How to Plan Retirement Income

A 1% S&P 500 dividend yield leaves an income gap in retirement. An income floor can bridge it, and a Treasury ladder can help build it.

May 26, 2026
Podcast

Podcast 110: Evidence-Based Investing, Index Funds & Staying the Course, with Paul Merriman

Paul Merriman of the Merriman Financial Education Foundation discusses factor investing, index funds, and long-term wealth strategies.

May 25, 2026
A young woman playfully peeks out from behind a lush green hedge, representing how uncovering hidden financial strategies can lead to greater long-term financial well-being. Financial Wellness

What the Fed’s Financial Well-Being Survey Misses About Retirement, and What to Do About It

The Fed found 73% of Americans doing okay financially. Only 35% feel on track for retirement. Both numbers are right, and that’s the problem.

May 21, 2026
Retirement Planning

What’s a Safe Withdrawal Rate in 2026? Morningstar Weighs In

Morningstar puts the safe withdrawal rate at 3.9%, but flexible strategies can push it to 5.7%. Seven takeaways and what they mean for you.

May 20, 2026
Close-up on the hands of an older couple assembling a jigsaw puzzle together at a table, symbolizing how fitting the right pieces together, like the Vanguard Target Retirement Lifetime Income strategy, helps create a complete and stable retirement picture. Annuities

Vanguard Target Retirement Lifetime Income: What It Can and Can’t Do for You

Vanguard’s new target-date trusts put guaranteed income inside your 401(k). But a floor isn’t a plan. Here’s what the product can’t tell you.

May 18, 2026
smiling senior woman sits at a desk with a laptop and a coffee mug, showing the comfort and flexibility of choosing to work from home for seniors. Uncategorized

Legitimate Work From Home Jobs for Seniors With No Experience

Remote jobs for seniors offer flexible hours and real income. See pay ranges by role, plus the warning signs of a scam job posting.

May 17, 2026
A woman playfully balances on a stone path in a lush forest, representing how balanced funds provide easy stability during the saving years, though retirees must later plan for more flexible withdrawal strategies. Retirement Savings and Investments

Balanced Funds: Are They a Good Choice in Retirement?

Balanced funds simplify investing while you’re saving. But proportional withdrawals can limit flexibility in retirement when it matters most.

May 14, 2026
Retirement Planning

How a Single, Self-Employed Woman Built Her Retirement Plan

She was self-employed, single, and unsure she’d saved enough. Then the Boldin Planner showed the full picture, and the answer surprised her.

May 13, 2026
A smiling younger woman with her arm around a happy senior woman as they walk outdoors, highlighting the importance of long-term financial planning and understanding the average net worth by age to ensure a comfortable future for every generation. Retirement Planning

Average Net Worth by Age: Federal Reserve Data by Age Group

The average U.S. net worth is $1,063,700. The median is $192,900. See how people your age compare.

May 10, 2026
An active woman power walks on a coastal path, illustrating the need for healthy habits and financial planning when considering how long does retirement last. Retirement Planning

Americans Want to Live to 91. How Long Will Your Retirement Last?

Retirement planning assumes a lifespan of 79, but most Americans hope to live longer. Here’s how your plan can last as long as you do.

May 7, 2026
A smiling professional woman in a business discussion, smiling as she looks up, suggesting a positive financial outlook and a sound future, contrasting with those who may later experience common retirement regrets. Retirement Planning

15 Retirement Regrets: What to Do About Each One

74% of retirees have financial regrets. These 15 planning mistakes are the most common, and every one of them is still fixable.

May 6, 2026
A happy and relaxed middle-aged man walking down a sunny city street, representing the confidence and freedom that comes from having a well-organized retirement spending plan. Retirement Planning

Retirement Spending Plan: How to Know If Your Number Is Right

Retirement spending estimates are often too low, but a retirement spending plan can change that. Here’s how to keep your money from running out.

May 6, 2026
Podcast

Podcast 109: Personal Finance for Real People: DIY Investing, Long-Term Care, and the AI Future, with Erin Talks Money

Erin Moriarty of Erin Talks Money explores the emotional side of money, retirement spending, and how AI is reshaping financial planning.

May 5, 2026
An older Black man and a young woman play a dynamic game of doubles tennis on a clay court, reflecting the active lifestyle and energy that can be supported by finding engaging part-time jobs for retirees. Earning

20 Best Part-Time Jobs for Retirees, With Pay Ranges

Consulting pays $40–100+/hr, tutoring $15–30/hr. See pay ranges for 20 flexible part-time jobs, plus how work affects Social Security.

May 3, 2026
Close-up of a man in a plaid shirt holding open an empty brown leather wallet, a visual representation of the financial stress and fear associated with running out of money in retirement. Retirement Planning

Running Out of Money in Retirement: What Happens and What to Do

40% of households will run out of retirement savings. Here’s what that looks like, and specific moves that can change the outcome.

May 2, 2026
A young, happy couple reviews their investment options on a laptop, as they consider using a Dave Ramsey retirement calculator to map out their financial goals together. Retirement Planning

Dave Ramsey Retirement Calculator: How the 25x Rule Works

Spend $60,000 a year? Ramsey’s retirement calculator says you need $1.5M. Here’s how the formula works and what it misses.

May 1, 2026
A smiling, middle-aged couple walks arm-in-arm along a paved park path in front of a historic city building, representing the freedom of achieving financial independence and navigating early retirement withdrawals together. Retirement Savings and Investments

Early Retirement Withdrawals: How to Avoid the 10% Penalty

Five penalty-free ways to tap your 401(k) or IRA before 59½. How SEPP, Rule of 55, Roth withdrawals, and two more actually work.

May 1, 2026
A man in an orange shirt smiles while looking at his smartphone at his desk with a laptop, comparing digital financial tools like Boldin vs. Empower to optimize his retirement portfolio. Retirement Planning

Boldin vs. Empower: Which Retirement Planner Is Best for You?

Empower shows you what you own. Boldin models whether it lasts. Here’s how they compare on planning depth, tax strategy, and advisor access.

May 1, 2026
A focused woman thoughtfully analyzes a glowing digital display of financial market charts and data. Her optimistic expression suggests she is strategically planning to grow her assets and build a financial cushion that exceeds the average household savings. Financial Wellness

How Much Does the Average American Have in Savings?

The median U.S. household has $39,000 saved. See how the middle class compares by age, from cash to home equity.

April 30, 2026
A happy, smiling middle-aged couple enjoying a piggyback ride outdoors in a sunlit wooded area, representing the freedom and joy that come when you are able to retire with confidence. Retirement Planning

How to Retire With Confidence: What the Data Shows

Workers with a retirement plan are more than twice as likely to feel confident. Two national surveys explain the planning gap.

April 29, 2026

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