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Somebody just recommended the Boldin Retirement software to me again.   Does anybody here use it/has used it/know of people who have used it - and can share their thoughts on whether they think it’s worth purchasing and using?

Posted

I looked at it, but ended up going with Projection Lab instead. I simply liked the interface and their modeling a bit more. They are both great options. Pralana is another good spreadsheet option if you like that approach more. The FIRE guys/Fidelity have some free options as well if you don’t want a subscription based model. There are a ton of good options. 

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Posted
On 10/1/2025 at 11:23 AM, Gatorubet said:

Somebody just recommended the Boldin Retirement software to me again.   Does anybody here use it/has used it/know of people who have used it - and can share their thoughts on whether they think it’s worth purchasing and using?

Aren’t you around brat’s age?  If you haven’t figured out your retirement plan by now, a fancy software package ain’t gonna do anything. 

But seriously, good luck. We’re all going to need it. 

Posted (edited)
14 minutes ago, Fudge Nuggets said:

Aren’t you around brat’s age?  If you haven’t figured out your retirement plan by now, a fancy software package ain’t gonna do anything. 

But seriously, good luck. We’re all going to need it. 

Brat has T-shirts older than me.

Whatever savings in retirement assets a person has, they need to manage them until they die, no?

Part of retirement strategy is deciding which assets to liquidate, which assets to leave earning tax-free interest or distribute, how much to distribute if you take out more than the RMD, whether/how long to keep money in traditional savings accounts or CDs where they are - or put that in brokerage accounts of whatever risk factor you are comfortable with, etc.

If a person keeps all of their assets in the same financial products over the course of their life from retirement until death, that seems stupid.   I think I need a little more sophistication than just taking out 4% of my 401(k) every year.   Hence my original question.

I also haven’y retired yet.  But thanks for the kind words and best of luck with your planning as well.

 

 

Edited by Gatorubet
Posted
7 hours ago, Gatorubet said:

Brat has T-shirts older than me.

Whatever savings in retirement assets a person has, they need to manage them until they die, no?

Part of retirement strategy is deciding which assets to liquidate, which assets to leave earning tax-free interest or distribute, how much to distribute if you take out more than the RMD, whether/how long to keep money in traditional savings accounts or CDs where they are - or put that in brokerage accounts of whatever risk factor you are comfortable with, etc.

If a person keeps all of their assets in the same financial products over the course of their life from retirement until death, that seems stupid.   I think I need a little more sophistication than just taking out 4% of my 401(k) every year.   Hence my original question.

I also haven’y retired yet.  But thanks for the kind words and best of luck with your planning as well.

 

 


I run a couple dozen financial plans a year on MoneyGuide Pro for clients, prospects, and non prospects (pro-bono). Been using that software exclusively for 15 years so can’t speak about others besides some colleagues preferring E-money.

I appreciate the order of operations concerns you are referencing above but in my experience that isn’t going to make much of a difference. You either have saved a big enough pot of money and can live off of that (outside a sequence of returns 2008 wipeout scenario) or you under saved and are counting every penny. 

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