Boise Retirement Coach

07/16/2026

Would you rather pay taxes now or hand the IRS a blank check later?

That's the real question behind a Roth conversion. Pay the tax today, and everything after that grows tax-free. No taxes on withdrawals. No required distributions forcing you to pull money out when the government says so.

And if you're leaving money to your kids? A Roth is a much better gift. No tax bill waiting for them.

Wondering if it's right for you? Call Boise Retirement Coach, and we'll run the numbers together.

For more information, check out our blog: https://www.boiseretirementcoach.com/are-roth-conversions-right-for-you-2

07/14/2026

Social Security was never intended to be just another government program. It was designed to provide income during retirement and help create a foundation for financial security.

What many people do not realize is that when you claim your benefits can have a lasting impact on the amount you receive.

A decision made today could affect your monthly income for decades.

That is why understanding your options is so important. The right claiming strategy can potentially increase your lifetime benefits and provide more income throughout retirement.

Social Security is not just about when you stop working. It is about making informed decisions that support your long-term financial goals.

07/11/2026

Retirement changes more than your finances. It changes your daily life.

For many couples, retirement is the first time in decades they'll spend nearly every day together. It can be an exciting transition, but it can also bring unexpected challenges if you've never talked about what you both want this next chapter to look like.

Do you both have the same vision?
Will you travel or stay close to home?
Do you enjoy the same hobbies?
How much time do you want together, and how much time do you want for yourselves?

These conversations are just as important as your investment strategy.

The happiest retirees aren't always the ones with the biggest portfolios. They're often the couples who entered retirement with a shared vision for the life they wanted to build together.

07/08/2026

One goal that can make a huge difference in retirement is owning your home free and clear.

When the market becomes volatile or unexpected expenses arise, having a paid-off home can provide something that is hard to put a price on: peace of mind.

Without a mortgage payment, you may have more flexibility in your budget and less pressure during economic downturns.

Retirement planning is not just about growing assets. It is also about reducing financial obligations and creating stability for the future.

For many retirees, becoming mortgage-free is one of the biggest milestones on the path to financial confidence.

07/04/2026

This year marks 250 years of American independence 🇺🇸

For generations, people have worked hard to build businesses, raise families, overcome challenges, and create opportunities for the future.

Retirement planning is much the same.

It is not about simply hoping everything works out someday. It is about building a future intentionally and creating a plan that gives you confidence for the years ahead.

A meaningful retirement should provide more than financial security. It should give you the freedom to spend more time doing what matters most with the people who matter most.

As we celebrate Independence Day, it is also a great reminder to think about the future you are building for yourself and your family.

Happy 4th of July from Boise Retirement Coach!

07/01/2026

If it feels like scams are everywhere lately. You're not imagining it. 😟

The FBI reports that Americans lost more than $16 billion to cybercrime in 2024 — including over 190,000 phishing-related crimes. That's money taken from regular people, not just corporations.

The good news? You don't need to be a tech genius to protect yourself. Just a few simple habits make you a much tougher target.

In my latest read, they break down the three biggest cybersecurity threats for 2026:

- AI-powered phishing scams (including voice deepfakes that sound like your bank or even a family member)
- Account takeovers from stolen passwords
- Fake apps and mobile malware targeting your banking and payments

For each one, read what to watch for and what to do.

But if you do just three things this month, do these:

1. Turn on multi-factor authentication for your email and financial accounts
2. Change any reused passwords (start with email, banking, and phone carrier)
3. Don't trust unexpected messages — verify through a separate channel

👉 Read the full article: https://www.boiseretirementcoach.com/cybersecurity-threats-to-watch-in-2026-how-to-stay-safe-online

Share this with someone you care about, especially anyone who answers every call and text. A two-minute conversation today can prevent a painful loss later. 💙

Learn the top cybersecurity threats expected in 2026, including AI scams, stolen passwords, and mobile malware, plus practical tips to stay safer online.

07/01/2026

One of the most common retirement questions is:
“How much money do I actually need to retire?”
The truth is, there is no single number that works for everyone.
Your retirement needs depend on several important factors:
When you plan to retire
How long your retirement may last
Your lifestyle goals
Your future healthcare needs
The income sources you will have available
Generally, the earlier you retire, the more savings you may need because your money has to last longer.
Retirement planning is not just about reaching a magic number. It is about creating a strategy that supports the life you want to live for the long term.

06/25/2026

One of the most common retirement planning questions is:
Should you choose a Traditional IRA or a Roth IRA?
The answer depends on your goals, your tax situation, and how you want your retirement income to work in the future.
A Traditional IRA may offer tax deductions today, while a Roth IRA can provide tax-free withdrawals later in retirement.
Both can be valuable tools, but understanding the differences is important when building a long-term retirement strategy.
The goal is not simply saving money. It is creating flexibility and confidence for the future.

06/21/2026

One of the most common patterns I see in retirement planning is that many people focus heavily on the financial side of retirement while giving very little thought to what comes next.
This is especially true for individuals who have spent decades building careers and supporting their families.
The financial plan matters, of course. But so does having a clear vision for how you want to spend your time, maintain purpose, and stay connected to the people and activities that matter most.
A successful retirement is not simply about leaving work. It is about transitioning into a meaningful next chapter.
As Father's Day approaches, it is a good reminder to have conversations about not only financial readiness, but life readiness as well.

06/19/2026

Why does gas cost so much when the U.S. produces record amounts of oil?

It's the question every driver asks at the pump. The answer is more complicated than most people think, and it involves global markets, refinery design, and the difference between "light sweet crude" and "heavy crude" oil.

But the good news? You can't control gas prices. You CAN control what you pay at the pump.

Peggy Farnworth, Boise Retirement Coach, breaks down three simple strategies that can stretch every gallon and keep more money in your pocket.

👉 Read the full blog: https://www.boiseretirementcoach.com/how-to-save-money-on-gas-when-prices-are-high

Learn why gas prices continue to rise despite U.S. oil production and discover practical tips to improve fuel economy, reduce driving costs, and save money at the pump.