Taxes
Year-End Tax Planning: 12 Moves to Make Before Dec. 31
Year-end tax planning for 2026: Roth conversions, RMDs, charitable gifts, and the 0% capital gains rate retirees can still use before Dec. 31.
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Retirement Planning
Fear of Spending Money in Retirement and How to Overcome It
Retirees spend about half of what a safe withdrawal rate allows. See why the fear of spending money in retirement sets in and how to ease it.
Budgeting & Spending
Retirement Budget: How to Estimate Your Retirement Expenses
Build a retirement budget from what you spend today. See how to estimate retirement expenses by category and phase, using the latest BLS spending data.
Retirement Jobs
How to Make Money in Retirement: 14 Side Hustles That Pay
Fourteen ways to make money in retirement, with typical pay for each, plus how extra income affects Social Security, taxes, and Medicare premiums.
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.
Retirement Planning
10 Overlooked Retirement Costs to Budget For
Long-term care can run past $129,000 a year. Healthcare can run about $371,000 for a couple. Here are the retirement costs people tend to miss.
Budgeting & Spending
Millionaire Retirees Spend $70,000 to $120,000 a Year. Here’s Why.
JPMorgan spending data and Boldin’s own planning data put millionaire retirees at about $70,000 to $120,000 a year. Here’s the math.
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.
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.
Budgeting & Spending
Living on Social Security Alone: 11 Strategies for Making It Work
The average Social Security benefit for retired workers is $2,071 a month. Millions of retirees live on that. Here’s where to start.
Social Security
Is Social Security Taxable? Federal Rules, State Taxes, and Earnings Limits
Up to 85% of your Social Security can face federal income tax, and 8 states tax it too. See the thresholds, the new senior deduction, and 2027 earnings limits.
Lifestyle
How to Live Without Money: Lessons From People Who Did It
People like Jo Nemeth and Mark Boyle lived without money entirely. Here’s what they learned about community, self-reliance, and security.
Financial Wellness
Best Books for a Retirement Gift: Financial Peace of Mind
Skip the stuff. These last-minute books for financial peace of mind can change how someone thinks about money, time, and what really matters.
Social Security
Social Security and Wealth: Who Gains the Most
Discover how Social Security and wealth interact — and why the program plays a different role depending on your income and resources.
Planning
Government Shutdown and ACA Subsidies: User Survey
Boldin survey reveals most Americans worry a government shutdown and also the threat to ACA subsidies and retirement confidence.
Financial Wellness
Audit Your Expenses: 5 Ways to Review Your Spending
Audit your spending to uncover patterns, cut waste, and align expenses with goals. Small adjustments will boost financial confidence.
Financial Wellness
Back to School: Is College Still Worth the Cost of Tuition?
Are college costs worth it? A degree promises higher earnings, but not always more lifetime wealth.
Retirement Planning
Flexible Planning: 10 Strategies to Build a Resilient Future
Retirement security is less a number and more a mindset. Flexibility can be the difference between surviving and thriving.
Budgeting & Spending
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.
Planning
Good Debt and Bad Debt: A Quick Guide to Borrowing Wisely
Debt isn’t necessarily terrible. Good debt helps you get ahead. Bad debt puts you in a hole. Understand the differences for better financial outcomes.
Retirement Savings and Investments
Boldin's Monte Carlo Score: What It Is and Why It Matters
Learn about everything that has changed (and why) in Boldin’s Monte Carlo analysis and your Chance of Retirement Success score.
Budgeting & Spending
What "Die With Zero" Teaches About Spending in Retirement
Die with Zero is a call to live fully. Explore the core ideas and see 8 steps to a retirement plan that leaves nothing on the table.
Retirement Planning
Compound Interest: Why Saving Early Builds Real Wealth
Building wealth can seem like it will take a miracle. Compound interest (especially if you start early) might just be the magic you seek.
Retirement Planning
Scarcity: Don’t Let it Steal Your Retirement
Focusing on the scarcity of time and money can exacerbate the shortage, not improve it. Learn how to focus on what’s important for a wealthier future!
