Hindsight Is Money
Free retirement planning spreadsheets, videos, and the resources I actually use — before and after retirement.
Money lessons I learned the hard way, so you don't have to. New videos walk through each tool with real examples.
Google Sheets templates — Coming soon. Links are paused while I finish sharing the public copies. Yellow cells will be your inputs.
62-question gap analysis with Pre/Post-retirement filters and a readiness score.
Free tool provided as-is. Formulas and results aren’t guaranteed, and I’m not responsible for how you use the outcomes or your data — use at your own risk.
See your life in weeks and put the time you have left in perspective.
Free tool provided as-is. Formulas and results aren’t guaranteed, and I’m not responsible for how you use the outcomes or your data — use at your own risk.
Count down to retirement day and track your cash reserve target.
Free tool provided as-is. Formulas and results aren’t guaranteed, and I’m not responsible for how you use the outcomes or your data — use at your own risk.
Ready-to-use AI prompts for getting more out of Boldin planning.
Free tool provided as-is. Formulas and results aren’t guaranteed, and I’m not responsible for how you use the outcomes or your data — use at your own risk.
Plan retirement income against tax brackets and ACA subsidy limits.
Free tool provided as-is. Formulas and results aren’t guaranteed, and I’m not responsible for how you use the outcomes or your data — use at your own risk.
Model Roth conversions year by year and their tax impact.
Free tool provided as-is. Formulas and results aren’t guaranteed, and I’m not responsible for how you use the outcomes or your data — use at your own risk.
Map which accounts you draw from, and when.
Free tool provided as-is. Formulas and results aren’t guaranteed, and I’m not responsible for how you use the outcomes or your data — use at your own risk.
Set spending guardrails that adjust with your portfolio.
Free tool provided as-is. Formulas and results aren’t guaranteed, and I’m not responsible for how you use the outcomes or your data — use at your own risk.
Track paycheck contributions to retirement accounts against limits.
Free tool provided as-is. Formulas and results aren’t guaranteed, and I’m not responsible for how you use the outcomes or your data — use at your own risk.
Set up a bucket strategy and target allocations for each bucket.
Free tool provided as-is. Formulas and results aren’t guaranteed, and I’m not responsible for how you use the outcomes or your data — use at your own risk.
Compare Treasuries and bond funds for your short-term safety bucket.
Free tool provided as-is. Formulas and results aren’t guaranteed, and I’m not responsible for how you use the outcomes or your data — use at your own risk.
Screen dividend funds and equities for your growth-and-income bucket.
Free tool provided as-is. Formulas and results aren’t guaranteed, and I’m not responsible for how you use the outcomes or your data — use at your own risk.
Find your real median monthly spending from tracked expenses.
Free tool provided as-is. Formulas and results aren’t guaranteed, and I’m not responsible for how you use the outcomes or your data — use at your own risk.
Estimate healthcare costs from retirement through Medicare.
Free tool provided as-is. Formulas and results aren’t guaranteed, and I’m not responsible for how you use the outcomes or your data — use at your own risk.
My own "YouTube University": the channels and sites that taught me the most. More picks from my subscriptions are on the way.
Big-picture retirement shows: when you can retire, how much you can spend, and how to make it last.
More coming soon
Building wealth step by step: savings order of operations, investing basics, and avoiding costly mistakes.
More coming soon
Getting the foundation right: a budget, an emergency fund, and getting rid of debt.
More coming soon
Keeping more of what you've saved: Roth conversions, tax brackets, and withdrawal order.
More coming soon
Everything else that makes a rich life, beyond the spreadsheets.
More coming soon
Official sources for benefits, taxes and coverage. Start here before anywhere else.
Run the numbers yourself and stress-test your plan.
How long should your money last? Plan for a long life, not an average one.
Healthcare is one of retirement's biggest wildcards. Estimate it across Medicare, Medicaid and private coverage.
Look up funds and companies before you buy.
Send me a note. Pick a topic so I can route it, and keep it under 1,000 characters.
These free retirement spreadsheets are for YouTube subscribers of Hindsight Is Money. Subscribing is free — tap below, hit Subscribe, then come back and unlock.
▶ Subscribe on YouTubeUnlock signs you in with Google to confirm your subscription. We only check that you subscribe to this channel.