Financial Wellness
25 Personal Finance Rules (Start With Just 3)
Ask any financial planner and the same three personal finance rules come up first. See them, then explore 22 more for building real wealth.
Financial Planning Blog & Retirement Resources
Retirement Planning
How Much Do I Need to Retire Early? Ages 40 to 60
Retiring early takes more than a bigger nest egg. See how much you need at 40, 45, 50, 55, and 60, and how much has to be reachable before 59½.
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Financial Wellness
14 Personal Finance Statistics That Reveal Money Secrets
More than half of Americans have cried over money. More than a third have gone to bed hungry because they couldn’t afford to eat. See all 14 numbers.
Retirement Jobs
Encore Career: How to Start a Second Career in Retirement
Nearly 1 in 5 Americans 65 and older still work. See five encore career paths and what new income does to your Social Security and taxes.
Pensions
Retirement Calculator With Pension and Social Security
A retirement calculator with pension inputs needs your benefit, start age, COLA, survivor option, and tax treatment. See the math and what to enter.
Taxes
RMD Strategies: 6 Ways to Lower Taxes on Required Minimum Distributions
Your RMD age is 73 or 75, depending on birth year. These 6 RMD strategies, from QCDs to Roth conversions, can lower the taxes on your withdrawals.
Retirement Income
Retirement Income Strategies for Making Your Money Last
Buckets, guardrails, annuities, and 14 more ways retirees turn savings into income. See which strategy fits your risk tolerance and goals.
Budgeting & Spending
How to Manage Your Money in Retirement: 10 Rules That Work
Retirement changes how money works: fewer earning years, more tax decisions. These 10 rules cover withdrawals, spending, and what shifts over time.
Aging Well
“To Be” List: A Simpler Way to Set Goals That Stick
A “to be” list differs from a “to do” list by setting goals around who you want to become. Here's how to write your own in four steps.
Financial Wellness
How to Save for Retirement: How Much to Save and Where to Put It
How to save for retirement: aim for about 15% of income, use accounts in the right order, and see 2026 401(k), IRA, and HSA limits plus ways to save more.
Housing and Home Equity
Average Home Equity in 2026: What Homeowners Have
Average home equity is $310,000 in 2026, but mostly sits untapped. See how it breaks down by state and income, and how to put yours to work.
Retirement Planning
Retirement Milestones by Age: 50 to 75
Here’s every retirement milestone mapped to the exact birthday: catch-up contributions, the Rule of 55, Medicare, Social Security, and RMDs.
Aging Well
How to Stay Mentally Sharp as You Age
About half of people stay mentally sharp past 70. See what makes the difference, plus 7 habits that boost your odds.
Taxes
Qualified Charitable Distributions: 2026 QCD Limit and Rules
Give up to $111,000 from your IRA tax-free with a QCD in 2026. See who qualifies, how it counts toward your RMD, and how to report it.
Podcast
Podcast 113: The Future of Financial Advice Is Closer Than You Think, with Ed Williams & Michael Byram
Boldin CTO Michael Byram, a former Altruist engineering leader, and advisor Ed Williams join Boldin’s podcast to unpack Vanguard’s $4.6B Altruist deal.
Retirement Savings and Investments
16 Roth IRA and Roth Conversion Mistakes That Cost You in Taxes
A Roth conversion can raise your Medicare premiums two years later. Every mistake on this list comes with a solution.
Debt
77% of Americans Say Debt Is Blocking Their Retirement Savings
A National Institute on Retirement Security survey finds debt is keeping most Americans from saving, and few know what their money will earn.
Long Term Care
Long-Term Care Planning: What It Costs and How to Pay for It
See what long-term care costs, what Medicare and Medicaid cover, and how to plan and pay for care before you need it.
Aging Well
How to Make Friends as an Adult: 12 Ways That Work
Feeling stuck on building friendships as an adult? These 12 tactics can help you, and most take little time to try.
Retirement Savings and Investments
Average IRA Balance by Age: Roth, Traditional, and Median
The median IRA balance is $100,000, but the average is $444,000. See both by age for traditional and Roth IRAs, plus how many people contribute.
Retirement Savings and Investments
Average and Median 401(k) Balance by Age (2026 Data)
The average 401(k) balance is $167,970, but the median is $44,115. See both by age, plus percentiles and Fidelity’s newer data, to see where you stand.
Retirement Savings and Investments
See Your Total Asset Allocation Across All Accounts in One View
How to sort your holdings into 7 asset classes, spot concentration risk, check against your risk profile, and catch drift or cash drag early.
Happy Retirement
Non-Financial Retirement Planning: 10 Investments Worth Making
Non-financial retirement planning covers what a portfolio can’t: time, health, purpose, and the people you love. Here are 10 places to start.
Podcast
Podcast 112: How AI Is Changing Personal Finance, with Subbiah Subramanian
Subbiah Subramanian, VP of Product Management at Clearwater Analytics, joins Boldin’s podcast to explore AI in financial advice.
Value Your Time
Financial Mapping: A Roadmap for Your Money and Time
Financial mapping can lead you to better financial decisions and outcomes, turning scattered goals into a plan that holds up against risk.
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