The S&P 500 dividend yield is currently ~1%. That means a $1M index portfolio generates just $10,000/year in dividends. Meanwhile, Treasuries are paying 4–5%. The math on retirement income has shifted. Does your plan need an adjustment? Learn more 👇 www.boldin.com/retirement/s...

The retirement mistakes that cost people the most aren’t the obvious ones. They’re the blind spots like assuming your spending will stay the same or underestimating how long your money needs to last. Retirement planning shouldn't be a set-it-and-forget-it thing. 👇 www.youtube.com/watch?v=DfhE...

73% of Americans say they're doing okay financially. Meanwhile, only 35% of non-retirees feel their retirement savings are on track. @federalreserve.gov's latest SHED report captures both numbers and that gap is worth understanding before it catches you off guard. www.boldin.com/retirement/f...

The 4% rule? It's complicated. Morningstar's 2026 research puts the new conservative baseline at 3.9%, but flexible retirees can withdraw up to 5.7%. The real lesson: your plan matters more than any rule of thumb. boldin.com/retirement/s...

Most retirement plans start with one question: "Do I have enough?" But that's not where the best plans begin. In our latest YouTube video, we walk through a powerful 3-question framework that can completely change how you approach retirement. Watch now 👇 www.youtube.com/watch?v=eFvZ...

Most retirement content is built around couples. Andrea built her plan as a single woman. No second income and no partner to share decisions. Her message to anyone doing it alone: "You can still do it." Her full retirement story is worth a read. → www.boldin.com/retirement/r...

You've probably heard of target-date funds. What nobody tells you is how they behave once you start withdrawing. When you withdraw from a balanced fund, you CAN'T choose what you're selling. Here's why that matters and what to do about it: boldin.com/retirement/b...

Everyone has financial tasks collecting dust on their to-do list. The good news? Most don't take as long as you think. What's the one you keep putting off? 👀

What would it feel like to actually know you're going to be okay financially? That you could retire earlier than expected? That you could retire...today? If you're new here: we're Boldin. Your financial confidence platform. See what a real retirement plan looks like. Get started today: boldin.com

You spend 35+ years building wealth. So why does spending it in retirement feel so terrifying? 😰 We sat down with Erin from Erin Talks Money to unpack the psychology of retirement, financial independence, AI & more. Watch the full episode here: www.youtube.com/watch?v=iNJh...

Appreciate the mention from Christine Benz and Amy Arnott in this Morningstar discussion. Always great to see thoughtful conversations around retirement spending. We're focused on helping people model retirement decisions, not guess. Watch the full discussion here: youtube.com/watch?v=n_Qp...

Budgeting 80% of pre-retirement income for your retirement spending plan is a common rule of thumb, per @aarp.org and Fidelity But a percentage rule can only get you so far. It doesn't know your life. Start with a plan around your specific situation. www.boldin.com/retirement/r...

83% of people with a retirement plan feel confident about their future. 38% of people without one do. New data from Fidelity and EBRI shows exactly what separates the two groups. Close the gap by creating your retirement plan in Boldin. www.boldin.com/retirement/r...

The gap between where you are and where you want to be financially isn't a knowledge gap. It's a habit gap. We wrote about how James Clear's Atomic Habits applies directly to your money. What's one financial habit you swear by? www.boldin.com/retirement/u...

Most retirement plans start with one question: "Do I have enough?" But that's not where the best plans begin. In our latest YouTube video, we walk through a powerful 3-question framework that can completely change how you approach retirement. Watch now 👇 www.youtube.com/watch?v=eFvZ...

"Do we have enough to retire?" Boldin users Leslie and Thomas realized they didn't really have a good answer to this question. Most people don't! A plan doesn't just tell you if you can retire. It shows you how your decisions actually play out. Full story: www.boldin.com/retirement/w...

Most retirement plans ask "how much do I need to save?" But it's how much you spend that determines whether your plan actually works. 4 spending mistakes that quietly derail retirement plans — from Boldin's Mike Pappis, CFP® in his latest Kiplinger article kiplinger.com/retirement/r...

Most people saving for retirement share many of the same fears, but rarely talk about them. What's your biggest concern regarding retirement? Running out of money, healthcare costs, retiring too late (or too early), or something else? Reply with yours 👇

Social Security isn't going away. But benefits could be reduced. Latest projection from the Congressional Budget Office: trust fund depletion by 2032 → up to a 28% cut. The question isn't will it happen? It's: would your plan still work if it did? www.boldin.com/retirement/s...

A surprisingly good Friday afternoon activity: Figure out if you can retire earlier than you thought. Get started with Boldin today. boldin.com

Social Security + Medicare decisions can cost you hundreds of thousands over time. A few that matter most: • Claiming too early • Missing Medicare enrollment windows • Picking the wrong coverage These aren’t small mistakes. They compound for life. Plan accordingly. boldin.com/retirement/o...

DIY retirement planning doesn't mean going it alone. The people who do this well usually have a plan they understand and the discipline to stick with it. Confidence is about knowing your plan well enough to make decisions without flinching. boldin.com/retirement/d...

Most people aren’t missing retirement because they didn’t save enough. They’re missing a few key decisions, like: 👉Consolidating accounts 👉Capturing the full employer match 👉Using HSAs the right way A real plan is what ties it together. www.boldin.com/retirement/h...

ChatGPT can explain retirement concepts. But it can't give you personalized answers as it doesn't know your financial data or tax situation. That's the difference between general AI and Boldin AI. If the decision impacts your future, it should be based on your data. boldin.com/retirement/c...

You can do everything "right" and still get surprised on taxes. This happens often with capital gains. It's important to look at your full income picture for the year. A little planning here can make a big difference. Learn more: boldin.com/retirement/c...

It's easy to say "don't be emotional with money." But that's not how real life works. Stress shows up. Decisions feel urgent. That goal isn't to ignore emotion. It's to build a plan that keeps you grounded when it hits. That's where confidence actually comes from. www.boldin.com/retirement/a...

The S&P 500 is down ~3.4% so far in 2026 (as of 04/06/2026). It could keep falling. It could rebound. And that's the point. You don't build a plan based on predictions. You build one that works either way. Get started with Boldin: www.boldin.com

At some point, success just feels different. The wins don't land the same. The motivation shifts. Arthur Brooks writes about this in his book, From Strength to Strength. Retirement isn't about stopping. It's about shifting what you do and why you do it. More here: www.boldin.com/retirement/f...

Your next dollar matters. But where you put it matters even more. A smarter contribution order can mean: -Less tax drag -More compounding -Better outcomes Here's the framework to consider: boldin.com/retirement/r...

Social Security + Medicare are changing in ways most people don’t fully understand yet. We sat down with @retirementrevised.bsky.social to break it all down: • When to claim (and why 70 can matter) • What 2032 really means • IRMAA surprises & more www.youtube.com/watch?v=Ylhw...

Markets downturns don't feel great. But they can create opportunity. One planning opportunity: a Roth conversion. A down market can lower the tax cost of a Roth conversion. Same shares. Lower value. Smaller tax bill. More future tax-free growth. Learn more: boldin.com/retirement/r...

"Do we have enough to retire?" Boldin users Leslie and Thomas realized they didn't really have a good answer to this question. Most people don't! A plan doesn't just tell you if you can retire. It shows you how your decisions actually play out. Full story: www.boldin.com/retirement/w...

Appreciate the mention from Christine Benz and Amy Arnott in this Morningstar discussion. Always great to see thoughtful conversations around retirement spending. We're focused on helping people model retirement decisions, not guess. Watch the full discussion here: youtube.com/watch?v=n_Qp...

The internet just helped a 78-year-old retire. What an act of kindness. Stories like this are a reminder of how fragile retirement can be without a plan in place. Financial confidence means having a plan so your future is powered by choice, not chance. via @people.com people.com/gofundme-for...

Retirement can change how you pay taxes and most people aren't ready. In this Office Hours, Boldin Lead Educator Nancy Gates breaks down: Where retirement income comes from How each source is taxed How to pay taxes and avoid penalties www.youtube.com/watch?v=ThiZ...

You may have already done the hard part and filed your taxes. But if you're not reviewing your return, you're missing one of the best planning tools you have. Our Head of Support, Mike Pappis, breaks down what to look for in his latest Kiplinger contribution: www.kiplinger.com/taxes/tax-pl...

You may be underestimating how much fees impact your long-term results. A 1% annual fee doesn’t sound like much, but over decades, it can meaningfully reduce your ending balance. Along with picking investments, you need to understand what you’re paying to own them. www.boldin.com/retirement/f...

"Almost 1 in 3 Americans doesn't know when, or even if, they can retire." @marketwatch.com That's not a retirement problem. That's a planning problem. Get started for free with a Boldin plan: www.boldin.com www.marketwatch.com/story/almost...

Market volatility can make anyone uneasy. But reacting quickly isn't always the right move. Instead, ask yourself questions, like: Has anything about my long-term plan actually changed? Do I have enough cash to avoid selling at the wrong time? More questions here: www.boldin.com/retirement/1...

Boldin's Lead Educator, Nancy Gates, was featured in the @nytimes.com in a piece by @retirementrevised.bsky.social. A key takeaway: the "tax valley" in early retirement may be one of the most overlooked planning windows. This is where planning really matters: www.nytimes.com/2026/03/15/b...

A helpful update from the IRS. Their Tax Withholding Estimator now reflects recent tax law changes last year and can help you see if your current withholding still makes sense. Good way to avoid an unexpected tax bill next year! www.irs.gov/newsroom/upd...

Most people file their tax return...and never look at it again. But your tax return is actually one of the most useful financial planning documents you'll see all year. Here are 4 things worth reviewing before you close the book on tax season: youtube.com/watch?v=leEC...

Retirement planning isn't just about maximizing returns. A survey of 1,000+ Boldin users found 79% plan primarily to build confidence in their decisions. That confidence tends to come from a few simple habits. Read more in our new piece in Kiplinger: www.kiplinger.com/retirement/r...

Tax season is here, and your tax return can reveal more than you might think about your financial plan. We put together 10 things to review on your 2025 tax return. From deductions and tax credits to Roth conversions and RMDs. Take a look: www.boldin.com/retirement/t...

Retirement planning isn’t just “pick an age and hope.” With the right tool, you can test dozens of real-life what-ifs: • Retire earlier or work part-time • Live to 80 vs 95 • Spending levels, housing changes, market shocks Start with a Boldin plan. www.boldin.com/retirement/s...

Most retirement advice sounds reasonable...until you run the numbers. In our latest video, we break down 4 retirement "rules" that often turn out to be wrong when you actually model them. Things like: "I know I need $3,000,000 to retire." Watch here: www.youtube.com/watch?v=mq3h...

Most people think retirement planning answers one question: "When can I retire?" But our community shared 19 insights that go far beyond that, including: • Decumulation is harder than saving • Some realized they could retire earlier Read all 19 insights here: www.boldin.com/retirement/c...

Feeling behind on retirement? That feeling doesn't always match reality. In our latest video, Mike Pappis, CFP®, breaks down 4 choices that actually move the numbers when trying to catch up. 57% of workers feel behind. The good news: you still have levers to pull. www.youtube.com/watch?v=-Bmh...

Retirement planning usually starts with numbers. But retirement itself starts with a question: Who do you want to be when work no longer defines your time? Writing a retirement manifesto can change how you plan everything that follows. What would yours include? www.boldin.com/retirement/w...

We've officially launched the AI Planner Assistant in beta. Your plan provides the inputs. Our engine runs the math. The Assistant explains the tradeoffs. Grounded in your actual numbers. Give it a try via the ✨ icon in the top right of your plan!