The Mogul Bay Blog
Honest, practical guides on net worth, retirement, and financial independence.
Boldin alternatives in 2026: four tools compared honestly
Looking for a Boldin alternative? An honest 2026 comparison of ProjectionLab, Empower, RetirePro, and Mogul Bay — including pricing, strengths, and who each option fits.
The 4% Rule for Retirement: Is It Still Safe in 2026?
Is the 4% rule still safe in 2026? What Morningstar's 3.9% estimate means, when a lower rate makes sense, and four flexible withdrawal strategies compared.
Retirement Savings by Age: How Much Should You Have Saved in 2026?
How much should you have saved for retirement by age 30, 40, 50, 60, and 67 in 2026? Benchmarks, real-world averages, 2026 contribution limits, and catch-up strategies.
How Much Money Do I Need to Retire?
A practical, step-by-step guide to estimating your retirement target — spending, Social Security, withdrawal rates, inflation, healthcare, taxes, and debt.
How to Track Your Net Worth When You Own Real Estate
Learn how to calculate and track your net worth when you own a home, rental properties, mortgages, investments, and other financial assets.
Net Worth Tracker vs Spreadsheet: Which Is Better?
Compare a net worth tracker with a spreadsheet for monitoring assets, liabilities, investments, real estate and long-term wealth progress.
Best retirement calculator 2026: five tools compared honestly
We compared Boldin, ProjectionLab, Empower, RetirePro, and Mogul Bay on pricing, Monte Carlo, taxes, and incentives — with honest verdicts on each.
Net worth by age percentile: where do you stand?
Median, average, and percentile net worth by age from the latest Federal Reserve SCF data — and why your trajectory matters more than your percentile.
Coast FIRE explained: the number that lets you stop saving (with the math)
Coast FIRE means saving enough early that compounding funds your retirement with zero further contributions. The formula, worked examples by age, and the honest catch.
Retirement calculator with pension: why most calculators get pensions wrong
Most retirement calculators handle pensions wrong, ignoring COLA, survivor benefits, taxes, and timing. Here is how to model pension income correctly.
Can I retire at 60 with $500k? The honest math (2026)
Can you retire at 60 with $500k? Honest 2026 math on withdrawal rates, the Social Security gap, the Medicare gap, and what makes it actually work.
Can I retire at 55 with $1 million? The honest math (2026)
Whether $1M is enough to retire at 55 depends on spending, healthcare before Medicare, and your Social Security bridge. Run the real numbers.