Boise Retirement Coach

06/05/2026

Two people. Two different approaches. Two very different outcomes.

One person starts saving early, putting away just $100 per month for the first 10 years of her career. Then she stops contributing and lets her money continue to grow.

The other waits 10 years before getting started. To catch up, she saves twice as much every month.

After 20 years, they end up with nearly the same amount of money.

The surprising part?

The early saver contributed only half as much.

The lesson is simple: when it comes to building wealth, time can be more valuable than the amount you invest.

You do not need to start with a large sum. You just need to start.

06/03/2026

Compound interest is one of the most powerful forces in personal finance.

When you're saving and investing, time allows your money to grow on top of previous growth. But when debt carries a high interest rate, that same principle can work in the opposite direction, making balances grow faster than many people expect.

The difference often comes down to the decisions we make today.

Are you building momentum with your savings and investments, or allowing interest costs to slow down your financial progress?

Small financial choices made consistently over time can have a surprisingly large impact on your future.

05/27/2026

Always support our Veterans!

05/27/2026

Need plans this week?

05/27/2026

Do you know all your Federal Benefits?

🤒 Most federal employees don't realize that unused sick leave can directly increase their FERS pension.

When you retire, your sick leave balance is converted into additional creditable service.

🗓️ Roughly 174 hours equals one extra month added to your years of service, and there's no cap on how much can be credited.

One catch: this only applies to immediate retirements. If you leave federal service before you're retirement eligible, that balance is forfeited.

🔎 It's one of the most overlooked benefits in the federal system. Don't leave it on the table.

Reach out to a Federal Retirement Consultant to learn more: https://book.ffeba.com/federal-appointment-request

05/27/2026

Watch out for wildlife!

POCATELLO — A bat found in Bannock County has tested positive for rabies, Southeastern Idaho Public Health confirmed Monday, marking the first confirmed rabid bat in southeastern Idaho and the

05/27/2026

Please pay attention to even shallow water!

05/25/2026

Freedom is a word we hear a lot on Memorial Day.
But it doesn’t just live in parades and ceremonies.
It shows up in the quiet, everyday choices we make - especially in retirement.

You can spend years saving and investing…
and still feel unsure what that freedom will actually look like when the work chapter closes.

What will your days feel like?
What will matter most?
Who do you want to spend that time with?

I’m Peggy Farnworth with Boise Retirement Coach, and I help people turn that idea of freedom into a real, lived plan for retirement - right here in the Treasure Valley.

If you’re within a few years of retirement, what’s one way you hope your life feels freer in that season? I’d love to hear it in the comments.

05/21/2026

With more than 30 years in the Treasure Valley, Peggy Farnworth has dedicated her career to helping people prepare for a better retirement.

Starting in public accounting as a CPA, Peggy discovered a passion for financial planning and later earned her CFP and Certified Senior Advisor designations to better serve the growing needs of retirees and baby boomers.

But retirement planning isn’t just about finances. It’s also about health, lifestyle, and creating a better quality of life for the years ahead. In this video, Peggy shares why improving your health can be one of the most important investments you make for your future.

Healthy habits today can lead to a more fulfilling — and less stressful — retirement tomorrow.

05/14/2026

Retirement isn’t just about money—it’s about connection.

One of the biggest risks people face after leaving the workforce is loneliness and isolation. When your job has been your main source of social interaction, what replaces it?

In this clip, Peggy L. Farnworth shares a real-life example of how staying socially connected can transform retirement—and why it matters more than you think.

👉 A fulfilling retirement requires more than just financial planning.

💬 Comment below: What would YOU do to stay connected in retirement?