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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.
Only 15% of Americans managed to ace this 8-question financial literacy quiz. Find out which knowledge gaps cost you the most.
Americans answered just 47% of questions correctly in 2026. Learn where knowledge falls short, and how to make confident 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.
The actual average retirement age is 61, five years earlier than most Americans expect. See how it varies by state, gender, 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.
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. Here’s how to determine a realistic rate for your plan.
Most people do DIY retirement planning on their own. Here’s why a small peer group and tools you control can change everything.
Paying taxes in retirement means managing income streams, quarterly deadlines, and the IRS safe harbor, without an employer doing it for you.
Most people skip retirement planning strategies with the highest payoff. Here are 5 of them, including one that’s essentially free money.
Using ChatGPT for retirement planning? We asked ChatGPT and Boldin AI the same question: “Can I retire?” This is how they replied.
Learn how CalSavers applies to California workers and employers, including automatic Roth IRA enrollment, payroll deductions, and benefits.
At 62, Social Security is up to 30% smaller and Medicare is 3 years away. Here’s how to plan for both and know if your portfolio is ready.
Take financial wellness into your own hands and do it yourself retirement planning: easy, comprehensive, reliable.
