Family and Relationships
If Your Kids Inherited Only Your Financial Habits, Would They Become Wealthier?
Your kids are already inheriting your financial habits, whether you know it or not. Here’s why, and how you can be more intentional about it.
Financial Planning Blog & Retirement Resources
Financial Wellness
What Is Middle Class in America? Beyond the Income Range
The middle class spans roughly $55,000 to $167,000 nationally. It varies by area, and says less about financial security than most expect.
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Happy Retirement
Retirement Travel: 20 Ideas for Keeping It Affordable and Safe
Travel is a top retirement goal. Get the most out of it with senior discounts, cheap lodgings, national park passes, and long-trip strategies.
Retirement Savings and Investments
Average Retirement Savings by Age: How the Generations Compare
Median retirement savings are $185,000 for ages 55 to 64, dropping to $130,000 at 75+. See 401(k) & IRA balances broken down by age group.
Financial Wellness
How Your Money Beliefs Shape Your Financial Future
The beliefs you carry about money help determine what you do with it. Here’s why your biggest financial obstacle isn’t a number.
Financial Wellness
Money Dysmorphia: What It Is, Who Has It, and How to Fix It
Money dysmorphia is a distorted view of your finances, even when the numbers are fine. Here’s how to spot it and what to do about it.
Financial Wellness
Financial Literacy Quiz: Can You Beat the National Average?
Only 15% of Americans managed to ace this 8-question personal finance index quiz. Find out which knowledge gaps cost you the most.
Retirement Planning
Financial Literacy in America Hits a Record Low in 2026
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.
Social Security
Social Security Benefit Cuts? What the Latest Projections Show
Social Security benefit cuts are a real risk but not certain. Here’s what projections show, and how to plan your retirement accordingly.
Planning
The Best Retirement Planning Software, Compared
Boldin vs. ProjectionLab, MaxiFi, Empower, Right Capital, and 9 more — compared on taxes, Roth strategy, Social Security, and cost.
Retirement Planning
What to Do With Money After Kids Graduate
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.
Lifestyle
Best Places to Retire in the World: 2026 Rankings and Costs
Some 44% of Americans seriously consider retiring abroad. Greece ranked #1 in 2026. See costs, visa requirements, and where demand is going.
Retirement Planning
Why Having a Plan Gives You More Freedom in Retirement
A retirement plan isn’t about restriction. It’s what turns limited resources into real confidence. Here’s why the constraint is the point.
Retirement Planning
Why the Average Retirement Age Is 61, Not 66
Layoffs, health problems, and caregiving push most retirements earlier than planned. See average retirement age by state and data source.
Planning
MaxiFi vs. Boldin: Which Retirement Planner Is Best for You?
MaxiFi sets your max sustainable spending. Boldin visualizes your full financial life and guides you at every stage. Here’s how they compare.
Retirement Savings and Investments
What Buying a House for Your Child Costs Your Retirement
A $150,000 gift can cost $360,000 in retirement terms. Here’s the opportunity cost math, gift tax rules, and four ways to structure the help.
Retirement Savings and Investments
S&P 500 Dividend Yield Is 1%: How to Plan Retirement Income
A 1% S&P 500 dividend yield leaves an income gap in retirement. An income floor can bridge it, and a Treasury ladder can help build it.
Podcast
Podcast 110: Evidence-Based Investing, Index Funds & Staying the Course, with Paul Merriman
Paul Merriman of the Merriman Financial Education Foundation discusses factor investing, index funds, and long-term wealth strategies.
Annuities
What Is an Annuity? A Complete Guide to How They Work
An annuity trades a lump sum for guaranteed income. Here’s how the main types work, what they cost, and how to know if one fits your plan.
Financial Wellness
What the Fed’s Financial Well-Being Survey Misses About Retirement, and What to Do About It
The Fed found 73% of Americans doing okay financially. Only 35% feel on track for retirement. Both numbers are right, and that’s the problem.
Retirement Savings and Investments
What’s a Safe Withdrawal Rate in 2026? Morningstar Weighs In
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.
Retirement Savings and Investments
Vanguard Target Retirement Lifetime Income: What It Can and Can’t Do for You
Vanguard’s new target-date trusts put guaranteed income inside your 401(k). But a floor isn’t a plan. Here’s what the product can’t tell you.
Uncategorized
Legitimate Work From Home Jobs for Seniors With No Experience
Remote jobs for seniors offer flexible hours and real income. See pay ranges by role, plus the warning signs of a scam job posting.
Retirement Savings and Investments
Balanced Funds: Are They a Good Choice in Retirement?
Balanced funds simplify investing while you’re saving. But proportional withdrawals can limit flexibility in retirement when it matters most.
Retirement Planning
How a Single, Self-Employed Woman Built Her Retirement Plan
She was self-employed, single, and unsure she’d saved enough. Then the Boldin Planner showed the full picture, and the answer surprised her.
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Boldin Planner
Take financial wellness into your own hands and do it yourself retirement planning: easy, comprehensive, reliable.