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Blog Your guide to financial planning and retirement
Your retirement plan is a roadmap to your future, but like all plans, it is likely to evolve and change over time.
The economy will not behave exactly as you have anticipated and your own life and goals will also change over time.
And, the best retirement planning goes way beyond your savings and investments. Numerous other factors like Social Security, when you stop work, your longevity, home equity, debt, taxes, income sources, inflation, spending, healthcare costs, lifestyle choices, and more may actually represent greater value or be more important than your savings with regards to your overall financial wellness.
The average 401(k) millionaire hits that mark around 59. See the moves that build wealth fastest after 50.
Consumption smoothing is how you keep your standard of living stable across a lifetime of income changes, career shifts, and retirement.
Gray divorce makes up 36% of U.S. divorces, up from 9% in 1990. See the pros and cons of divorce after 50, and how to protect your retirement.
Planning mistakes add up. Claiming Social Security at 62 alone cuts your benefit by 30% for life. But most can be corrected if caught early.
Erin Moriarity shares her take on Social Security timing, building a retirement income floor, and when to stop going DIY and hire a CFP.
Only 15% of Americans managed to ace this 8-question personal finance index quiz. Find out which knowledge gaps cost you the most.
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.
When tuition stops, it frees up $30,000 to $80,000 a year. Most households don’t have a plan for that money. Here’s how to put it to work.
Some 44% of Americans seriously consider retiring abroad. Greece ranked #1 in 2026. See costs, visa requirements, and where demand is going.
A retirement plan isn’t about restriction. It’s what turns limited resources into real confidence. Here’s why the constraint is the point.
Layoffs, health problems, and caregiving push most retirements earlier than planned. See average retirement age by state and data source.
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.
She was self-employed, single, and unsure she’d saved enough. Then the Boldin Planner showed the full picture, and the answer surprised her.
The average U.S. net worth is $1,063,700. The median is $192,900. See how people your age compare.
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.
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.
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.
Empower shows you what you own. Boldin models whether it lasts. Here’s how they compare on planning depth, tax strategy, and advisor access.
Workers with a retirement plan are more than twice as likely to feel confident. Two national surveys explain the planning gap.
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.
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.
Take financial wellness into your own hands and do it yourself retirement planning: easy, comprehensive, reliable.
