Retirement Planning
When Can I Retire? 20 Questions to Decide When to Retire
You can retire when your income and savings cover your spending for life. See the key ages, the money test, and 20 questions to help you decide when to retire.
Financial Planning Blog & Retirement Resources
Retirement Savings and Investments
Is the Magic Number for Retirement $1.2 Million or $1.46 Million?
Two 2026 surveys put the number at $1.2 million and $1.46 million, $260,000 apart. Here’s why, and how to find your number.
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Happy Retirement
Retirement Party Ideas: Themes, Games, and How to Plan One
Retirement party ideas for work, home, and family: themes, games, food, a sample program, and a planning checklist the host can use start to finish.
Retirement Savings and Investments
Backdoor Roth, Mega Backdoor Roth & Your IRMAA/ACA Costs
Two CFP® professionals answer real questions on Roth conversion timing, the pro rata rule, and avoiding surprise Medicare or ACA costs.
Retirement Planning
Good Financial Habits: 15 Small Money Habits That Add Up
Good financial habits make smart money choices automatic. Try these 15 small habits, from micro budgeting to paying yourself first, and avoid costly biases.
Retirement Savings and Investments
84% of Retirees Take Only the RMD Minimum. Here’s When That’s Smart.
J.P. Morgan research found 84% of retirees never draw more than the RMD minimum. Here’s how to tell if that’s the right move for you.
Retirement Planning
Consumption Smoothing: Definition, Theory and Examples
Consumption smoothing is how you keep your standard of living stable across a lifetime of income changes, career shifts, and retirement.
Financial Advisors
Is a Financial Advisor Worth It? When You Need One
An advisor pays off when the advice changes a big decision by more than it costs. See what advisors do, what they charge, and when DIY is enough.
Retirement Planning
Divorce After 50: Pros, Cons, & Financial Impact of ‘Gray Divorce’
Gray divorce now accounts for 36% of people divorcing in the U.S. See the pros and cons of divorce after 50, and how to protect your retirement.
Housing and Home Equity
Americans Are Rethinking the Role of Home Equity in Retirement
Home equity is becoming a bigger piece of retirement plans as costs rise. See what’s driving the shift and the tradeoffs worth weighing first.
Retirement Savings and Investments
A Trump Account Can Leave Your Kid With Less Than a Brokerage Account
Beyond the free $1,000, funding a Trump Account can leave your child with less post-tax than a brokerage account, unless you get the Roth conversion right.
Planning
Financial Advisor Fees: What Each Pricing Model Costs
Financial advisors charge in various ways, from flat fees to a percentage of your assets. See typical ranges for each, plus what Boldin costs.
Medicare and Health Insurance
How to Plan for Healthcare Costs in Retirement
Healthcare in retirement covers three phases, and a decision in one can raise what you pay in another. Here’s how to budget for each one.
Retirement Planning
Erin Talks Money: What She Wants Retirees to Know
Erin Moriarity shares her take on Social Security timing, building a retirement income floor, and when to stop going DIY and hire a CFP.
Podcast
Podcast 111: Why We Don’t Do What We Know We Should, with Nir Eyal
Nir Eyal, author of Beyond Belief and Indistractable, joins Boldin’s podcast to explain why limiting beliefs stall financial progress.
Retirement Planning
The 10 Best Retirement Calculators
Compare the 10 best retirement calculators, most of them free: Boldin, Fidelity, Vanguard, AARP, T. Rowe Price, and more.
Family and Relationships
If Your Kids Inherited Only Your Financial Habits, Would They Become Wealthier?
Your kids are already inheriting your financial habits, whether you know it or not. Here’s why, and how you can be more intentional about it.
Happy Retirement
Retirement Travel: 20 Ideas for Keeping It Affordable and Safe
Travel is a top retirement goal. Get the most out of it with senior discounts, cheap lodgings, national park passes, and long-trip strategies.
Financial Wellness
How Your Money Beliefs Shape Your Financial Future
The beliefs you carry about money help determine what you do with it. Here’s why your biggest financial obstacle isn’t a number.
Financial Wellness
Money Dysmorphia: What It Is, Who Has It, and How to Fix It
Money dysmorphia is a distorted view of your finances, even when the numbers are fine. Here’s how to spot it and what to do about it.
Retirement Planning
Financial Literacy Quiz: Can You Beat the P-Fin 8 Average?
Take the 8-question P-Fin financial literacy quiz. Only 15% of Americans got 7 or 8 right. See how you score and which gaps cost the most.
Medicare and Health Insurance
Medicare Surcharges (IRMAA): 2026 Brackets and Planning for 2028
IRMAA raises Medicare premiums once income tops $109,000 ($218,000 joint) in 2026. See the brackets, how 2026 income sets 2028 costs, and 5 ways to pay less.
Retirement Planning
Financial Literacy in America Hits a Record Low in 2026
Risk comprehension is the weakest financial literacy domain in 2026, and age doesn’t fix it. See why six in 10 Americans struggle with financial decisions.
Social Security
Social Security Benefit Cuts? What the Latest Projections Show
Social Security benefit cuts are a real risk but not certain. Here’s what projections show, and how to plan your retirement accordingly.
Retirement Planning
How to Retire Early: A Step-by-Step Plan and Checklist
Retiring early means funding the years before 59½, Social Security, and Medicare. See how to price those years, save for them, and test your plan.
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Boldin Planner
Take financial wellness into your own hands and do it yourself retirement planning: easy, comprehensive, reliable.