Budgeting & Spending

Is doing nothing a sane response to inflation today? For some, absolutely. Others need to take action. Explore your options.

Out of pocket retirement health care costs can be outrageous. Use these 12 surprising tips for a healthier and wealthier retirement.

There’s one important task that you may be forgetting before you retire: pursuing dental care. Learn why and access a full retirement checklist.

Many of us are oblivious to the fees, but almost everyone with a 401(k) pays them. Get 7 ideas for reducing costs to greatly increase wealth.

Six reasons tiny homes are increasingly popular for retirement and how to see if it is a good option for you.

Saving for retirement sometimes takes a bit of creativity. This is especially true if you’ve spent some time with a devil-may-care attitude and are just now getting down to business. You’re not alone, if that’s the case. More often than not, you’ll look for ways to boost savings rather than sit comfortably with what you’ve […]

Your home is an important part of your retirement lifestyle and finances. With housing prices at record highs, is it time to sell?

For many of us, the desire to engage in charitable giving — giving  to our family, communities or world — only grows as we age. And there may be good reason that we want to give.  It turns out that giving is good — very good.  Numerous studies have found that there is a huge […]

Updated May 2025

Episode 54 of the Boldin podcast is an interview with Paula Pant, the Founder of Afford Anything, a personal finance site, and host of the Afford Anything Podcast with 15 million downloads. (congrats!) Paula’s core belief is that you can “Afford Anything but not Everything”, and every decision has a tradeoff. We’re going to discuss […]

Depending on your income (not your assets), you may be receiving a stimulus check of somewhere between $1,400 and $2,800. How are people putting this money to use? We asked the Boldin Facebook group and it turns out that the uses are as varied as we are individually. Many are looking to spend the money […]

Regardless of where you are in life, it’s always nice to make some extra money.  And that is especially true in retirement. But, how to make money in retirement when you’re supposed to be simply enjoying the easy life?  The retirement gigs listed below won’t be quite enough to cover retirement expenses, but they won’t […]

It has been nearly 30 years since the hit television sitcom starred in living rooms across the nation. However, we may be just reaching the golden age of the Golden Girls. While their arrangement may have seemed unusual at the time, four adult women sharing an apartment may not be that far-fetched. In fact, many […]

You may be worried that you have not saved enough for retirement. And the first piece of advice from most financial experts is to tell you to save more! However, there is something much more effective you can do to make sure that you have enough money to live on in retirement.For a secure retirement, […]

Are you thinking about buying a car? Will you need to buy a car at some point when you are retired? Cars can be a big purchase, and you should think carefully about your car choice in terms of your overall financial picture.   No matter when you need to buy a car, you should consider […]

The Scottish poet Robert Burns famously said, “The best-laid plans of mice and men often go awry.” That’s true about almost everything that you undertake in life. However, hoping for the best isn’t the greatest retirement budget strategy. You need a real strategy, and one that’s based on your life now (and the life that […]

Using tools like your employer’s 401(k) or automatically taking money out of your paycheck are tried-and-true methods for successful retirement planning. But if you can look for less obvious ways to boost your retirement savings, you’ll reach your long-term goals much quicker. Here are some little, yet highly effective, ways to save extra money for […]

When planning for retirement, it’s important to save enough money to cover the essentials. While a financial planner may discuss earmarking funds to pay for daily living expenses, housing, and healthcare-related costs, one of the biggest expenses in retirement is something that many advisers may overlook. What Are the 3 Biggest Expenses in Retirement? According […]

If you are nearing or are already in retirement, you are about to change from being an earner and a saver to being a spender. You spent a lifetime amassing savings and other resources and now is the time to use these assets – assuming you can accurately figure out how much to spend in […]

Need a helping hand? Find help for seniors with low income The Big Takeaways… A significant amount of qualifying seniors don’t participate in low income benefits because often it’s hard to know what’s available. More options may be available to you during the pandemic. Tools like Benefits Checkup and the Eldercare Locator can help connect […]

As more and more baby boomers head into retirement, there is a growing conversation about how to generate adequate retirement income from retirement assets. Even with some good economic news, many of us are going to come up short.Retirement income doesn’t grow on trees… But you can make it grow!According to the most recent research […]

Retirement is a big deal and a huge life change. You have a whole new lifestyle and need a very different way of thinking about your money. In fact, your financial mindset needs to get flipped upside down. You need to go from a focus on accumulation (saving, saving, saving) to spending (efficient use and […]