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.
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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 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.
Retirement Planning
Average Net Worth by Age: Federal Reserve Data by Age Group
The average U.S. net worth is $1,063,700. The median is $192,900. See how people your age compare.
Retirement Planning
Americans Want to Live to 91. How Long Will Your Retirement Last?
Retirement planning assumes a lifespan of 79, but most Americans hope to live longer. Here’s how your plan can last as long as you do.
Retirement Planning
15 Retirement Regrets: What to Do About Each One
74% of retirees have financial regrets. These 15 planning mistakes are the most common, and every one of them is still fixable.
Retirement Planning
Retirement Spending Plan: How to Know If Your Number Is Right
Retirement spending estimates are often too low, but a retirement spending plan can change that. Here’s how to keep your money from running out.
Retirement Planning
Running Out of Money in Retirement: What Happens and What to Do
40% of households will run out of retirement savings. Here’s what that looks like, and specific moves that can change the outcome.
Retirement Planning
Dave Ramsey Retirement Calculator: How the 25x Rule Works
Spend $60,000 a year? Ramsey’s retirement calculator says you need $1.5M. Here’s how the formula works and what it misses.
Retirement Planning
Boldin vs. Empower: Which Retirement Planner Is Best for You?
Empower shows you what you own. Boldin models whether it lasts. Here’s how they compare on planning depth, tax strategy, and advisor access.
Retirement Planning
How to Retire With Confidence: What the Data Shows
Workers with a retirement plan are more than twice as likely to feel confident. Two national surveys explain the planning gap.
Planning
2026 Catch-Up Contribution Limits: 401(k) and IRA
After 50, you can contribute up to $32,500 to a 401(k) and $8,600 to an IRA in 2026. Here’s how catch-up limits work at every age.
Retirement Planning
ProjectionLab vs. Boldin: Which Retirement Planner Is Best for You?
Boldin is a retirement planner with AI, Monte Carlo, and Roth optimization. ProjectionLab is a modeling sandbox. Here’s how they compare.
Estate Planning
Top 10% Wealthiest Retirees Have $3M. How Do You Compare?
The top 10% wealthiest retirees have about $3.0M in net worth. See what the top 1% have, and where you stand.
Retirement Savings and Investments
What Rate of Return Should You Use for Retirement Planning? Here’s the Range.
Use 6–8% while you’re saving for retirement, 5–6% while you’re withdrawing. The right rate depends on your asset mix and timeline.
Retirement Planning
How to Build a DIY Retirement Plan Without Going It Alone
Most people do DIY retirement planning on their own. Here’s why a small peer group and tools you control can change everything.
Aging Well
Best Books on Retirement 2026: 27 Picks for Planning and Purpose
Books on retirement planning, purpose, and healthy aging that Boldin readers keep recommending, plus top picks for gifts.
Taxes
How to Pay Taxes in Retirement and Avoid IRS Penalties
Paying taxes in retirement means managing income streams, quarterly deadlines, and the IRS safe harbor, without an employer doing it for you.
Retirement Planning
5 High-Impact Retirement Planning Strategies Most People Never Use
Most people skip retirement planning strategies with the highest payoff. Here are 5 of them, including one that’s essentially free money.
Retirement Planning
ChatGPT for Retirement Planning: Does It Work?
Using ChatGPT for retirement planning? We asked ChatGPT and Boldin AI the same question: “Can I retire?” This is how they replied.
Retirement Savings and Investments
CalSavers: What California Workers and Employers Need to Know
Learn how CalSavers applies to California workers and employers, including automatic Roth IRA enrollment, payroll deductions, and benefits.
Family and Relationships
Social Security Optimization Strategies: 15 Tips to Maximize Your Benefits
Delaying Social Security to 70 can add $100,000+ in lifetime benefits. These are the planning strategies that make the biggest difference.
Planning
Retire at 62: What It Takes to Make It Work
At 62, Social Security is up to 30% smaller and Medicare is 3 years away. Here’s how to plan for both and know if your portfolio is ready.
Estate Planning
Average Inheritance From Parents Is $46,200. Most Get Less.
See figures by trust, education, and wealth tier, from $6,100 for the least wealthy to $2.7 million for the top 1%, plus what it means for your plan.
