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.
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Budgeting & Spending
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.
Budgeting & Spending
Consumption Smoothing: What It Means and How It Works
Consumption smoothing is how you keep your standard of living stable across a lifetime of income changes, career shifts, and retirement.
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.
Budgeting & Spending
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.
Aging Well
Last Minute Gifts with Life Changing Impact: Books to Inspire Financial Peace of Mind and a Good Life at Any Age
Skip the stuff. These last-minute books for financial peace of mind can change how someone thinks about money, time, and what really matters.
Budgeting & Spending
Year End Tax Planning Strategies to Keep More Money and Prepare for Future Wealth
These 13 year-end tax tips for retirement will help you minimize your 2025 taxes and reduce future tax bills.
Budgeting & Spending
Social Security: Surprising Insights on How the Program’s Advantages Differ Depending on Income and Wealth
Discover how Social Security and wealth interact — and why the program plays a different role depending on your income and resources.
Budgeting & Spending
Survey: The Looming Government Shutdown and the Future of ACA Subsidies, Boldin Subscribers Express Concerns
Boldin survey reveals most Americans worry a government shutdown and also the threat to ACA subsidies and retirement confidence.
Budgeting & Spending
Audit Your Spending: Go Beyond Budgeting with 5 Ways to Review Your Expenses for Better Financial Outcomes
Audit your spending to uncover patterns, cut waste, and align expenses with goals. Small adjustments will boost financial confidence.
Budgeting & Spending
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.
Aging Well
Flexibility in Financial Planning: 10 Strategies to Build a Future That Can Bend Without Breaking
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.
Budgeting & Spending
Good Debt and Bad Debt: A Quick Guide to Wise Use of Borrowing for Financial Success
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.
Budgeting & Spending
Understanding Boldin’s Monte Carlo Simulation: What It Is, Why It Matters, and What’s New
Learn about everything that has changed (and why) in Boldin’s Monte Carlo analysis and your Chance of Retirement Success score.
Aging Well
What “Die With Zero” Can Teach You About Living (and Retiring) with Purpose and Joy
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.
Budgeting & Spending
Compound Interest and Saving as Much as You Can as Early as You Can: Magical Secrets to Building 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.
Budgeting & Spending
Medicare Surcharges (IRMAA): How the Wealthier Pay MORE for Coverage
Are you wealthy? You may be paying extra for Medicare. Find out why and how to reduce your IRMAA – Income Related Monthly Adjustment Amount.
Budgeting & Spending
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!
Budgeting & Spending
16 Ways to Stop Wasting Money and Save More for Retirement (Like $100,000 More)
It’s easy to overlook dumb spending, pay hidden fees, or get scammed. Avoid the most common ways people waste money and save more for your retirement.
Budgeting & Spending
What is the Debt Ceiling Crisis and 8 Ways to Prepare for Possible Fallout
Understand the basics of the federal debt ceiling and how to prepare for the X date and the financial fallout that may follow.
Budgeting & Spending
8 Ways to Cut Housing Costs for Retirement
It’s not unusual for people to want to cut housing costs, and it’s especially true of older adults who may be looking for ways to retire early or make living on…
Budgeting & Spending
Can You Live Happily in Retirement With Just 66% of Your Work Income? (Yes! Most Do)
Research suggests that average annual retirement income for retirees is far less than what they earned before retirement. And, it’s not a problem!
