The Boldin Financial Planner Take control of your plans. Retire earlier, with more security and find financial confidence.
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Blog Your guide to financial planning and retirement
Go beyond your savings and investments. We want to help anyone get confident and achieve financial independence so they can make the most of their money and time.
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
74% of retirees have financial regrets. These 15 planning mistakes are the most common, and every one of them is still fixable.
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.
Erin Moriarty of Erin Talks Money explores the emotional side of money, retirement spending, and how AI is reshaping financial planning.
Consulting pays $40–100+/hr, tutoring $15–30/hr. See pay ranges for 20 flexible part-time jobs, plus how work affects Social Security.
40% of households will run out of retirement savings. Here’s what that looks like, and specific moves that can change the outcome.
Spend $60,000 a year? Ramsey’s retirement calculator says you need $1.5M. Here’s how the formula works and what it misses.
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.
Empower shows you what you own. Boldin models whether it lasts. Here’s how they compare on planning depth, tax strategy, and advisor access.
The median U.S. household has $39,000 saved. See how the middle class compares by age, from cash to home equity.
Workers with a retirement plan are more than twice as likely to feel confident. Two national surveys explain the planning gap.
Applying takes 15 minutes. Deciding when to start pays off far more, and it’s permanent. Here’s the 5-step process, plus what to weigh first.
Using ‘Atomic Habits’ to reach your financial goals — James Clear’s habit framework applied to wealth building and long-lasting confidence.
We cover 8 creative tax strategies, plus the retirement planning approach that can save you more money.
Learn how to find purpose after retirement using mindfulness, ikigai, and other research-backed strategies for feeling fulfilled again.
Covering health insurance from 55 to 65 can be expensive. Here’s what your options are and how to plan for the cost.
Social Security uses your top 35 earning years. Stop early and your projected benefit gets cut. Here’s what the math shows.
The average Social Security benefit is $2,071 a month. Millions of retirees live on that. Here’s where to start.
Boldin is a retirement planner with AI, Monte Carlo, and Roth optimization. ProjectionLab is a modeling sandbox. Here’s how they compare.
The top 10% wealthiest retirees have about $3.0M in net worth. See what the top 1% have, and where you stand.
Original Medicare vs. Medicare Advantage, Social Security timing, and the enrollment errors that follow you permanently.
Use 6–8% while you’re saving for retirement, 5–6% while you’re withdrawing. The right rate depends on your asset mix and timeline.
Most people do DIY retirement planning on their own. Here’s why a small peer group and tools you control can change everything.
Hiro Finance is gone. Compare the best alternatives, including a powerful AI tool built for smarter financial planning.
Take financial wellness into your own hands and do it yourself retirement planning: easy, comprehensive, reliable.
