Financial Planning Blog & Retirement Resources

Does Roth 401k Have Income Limits? Rules and Myths Explained

Does Roth 401k have income limits? Learn the rules, myths, and strategies high earners can use to take advantage of Roth 401k contributions.

Roth 401k Limits — Contribution Rules, Catch-Up Amounts, and Planning Strategies

The 2026 Roth 401k limit is $24,500, plus catch-up for age 50 and up. See the new rules, including who has to use Roth for catch-up starting this year.

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

Boldin Made the 2025 Inc. 5000 List of the Fastest Growing Companies in America

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

What Motivates You? How Financial Motivations Impact Your Decision Making

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 New 401k Order: Does Crypto and Private Equity Belong in Your Retirement Nest Egg?

Trump’s 401k order to allow alternative investments in retirement plans. Who really wins? The move boosts choice for savers but also risks.

Understanding the Two Roth 5-Year Rules: A Key to Smarter Early Retirement Planning

Want to retire in your 50s and withdraw from savings? You need to understand the Roth 5 year rules to avoid penalties.

What is an Index Fund? And, Why Are They Good for Your Retirement?

Index funds charge as little as 0.03% annually and outperform most actively managed funds over time. Here’s how they work.

Societal Collapse: Should You Worry? Can You Protect Your Wealth? Should You Try?

Can you really plan for societal collapse? Most Boldin users (planners by nature) say don’t bother. Here’s their advice.

WEP: What It Is, How It Reduces Social Security, and What You Can Do

WEP reduces Social Security benefits for some retirees. Learn what WEP is, who it affects, and how to limit the impact.

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.

Cryptocurrencies and Your Retirement

Most advisors who allow crypto cap it at 1% to 5% of a portfolio. See how volatility, RMDs, and estate risk shape the right amount.

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.

You Probably Haven’t Hit Peak Happiness Yet: Find Out When It Will Happen!

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.

Boldin’s Recent OBBBA Tax Updates: What’s Changed, How It Impacts You, and New Opportunities for Optimizing Your Plan 

We’ve made the OBBBA tax updates in the Planner. Learn more about what’s changed and discover opportunities to optimize your tax planning.

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.

A Planning Mindset Is the Secret to Financial Discipline, Confidence, and Better Results

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 Planning Near Me: Should You Hire Help or Do It Yourself?

Local retirement planners, CFPs, and fee-only advisors explained — plus a DIY option that costs $144/year instead of $10,000/year.

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.

Collecting Full Pension: What You Need to Know About Timing and Eligibility

Collecting full pension? Learn when and how to access your pension, avoid penalties, and locate your pension benefits.