Raining Pennies | Personal Finance

Boldin PlannerPlus Black Friday Sale: Get PlannerPlus For $120 – Raining Pennies Boldin PlannerPlus is $120 for a limited time. Model taxes, RMDs, Roth conversions, and early retirement with the planning tool I trust for my own projections.

Last chance to get PlannerPlus for $120! Ends tonight.

Learn more: www.rainingpennies.com/boldin-plann...

Get started: go.boldin.com/rainingpenni...

#financialplanning #retirementplanning #personalfinance

Boldin PlannerPlus Black Friday Sale: Get PlannerPlus For $120 – Raining Pennies Boldin PlannerPlus is $120 for a limited time. Model taxes, RMDs, Roth conversions, and early retirement with the planning tool I trust for my own projections.

Boldin is one of the few consumer tools that handles early retirement modeling well.

Offer: www.rainingpennies.com/boldin-plann...

#personalfinance #retirementplanning #financialplanning

Boldin PlannerPlus Black Friday Sale: Get PlannerPlus For $120 – Raining Pennies Boldin PlannerPlus is $120 for a limited time. Model taxes, RMDs, Roth conversions, and early retirement with the planning tool I trust for my own projections.

PlannerPlus lets you compare scenarios side-by-side. Retirement age, spending levels, Roth conversions, and more.

Offer details: www.rainingpennies.com/boldin-plann...

#financialfreedom #retirement #finance

Boldin PlannerPlus Black Friday Sale: Get PlannerPlus For $120 – Raining Pennies Boldin PlannerPlus is $120 for a limited time. Model taxes, RMDs, Roth conversions, and early retirement with the planning tool I trust for my own projections.

Boldin’s Black Friday deal is live! PlannerPlus is $120 for the first year, down from $144. I use it for long-term planning to model Roth conversions, retirement options, taxes, and spending choices.

👉 rainingpennies.com/boldin-plann...

#RetirementPlanning #PersonalFinance #FinancialFreedom

How to Decide if an ARM Is Right for You Learn how to decide if an ARM is right for you by weighing lower initial rates against future risks, caps, and long-term financial goals.

📝 Thinking of an ARM for your #mortgage? ARMs start with low rates but can rise. If you're adventurous and plan to move soon, it might just be your ticket! 🎢🏡

📖 rainingpennies.com/investments/...

#PersonalFinance #mortgagetips

She Pays More: The Truth About the Pink Tax Have you ever noticed how the same razor or shampoo can cost more when marketed to women? This blog reveals the truth about the pink tax: why it exists, how it impacts your finances, and what you can ...

📘 Ever wonder why razors and shampoos cost more for women? That's the sneaky 'pink tax' at work! 💸 Let's raise awareness and push for change. Share your pink tax stories below!

📖 rainingpennies.com/taxes/the-tr...

#PersonalFinance #EqualityMatters #PinkTaxAwareness

How to Beat the Clock on Expiring EV Tax Breaks Act fast to claim thousands in federal credits before they vanish. Learn how to beat the clock on expiring EV tax breaks and maximize your savings.

📰 🚗⚡️ Last call for major savings on #EVs and solar! The OBBBA Act is pulling the plug on big #tax credits by the end of 2025. If you've been thinking green, now's the time to act fast and save up to $16k! 🌿💰

📖 rainingpennies.com/taxes/expiri...

#PersonalFinance #EcoFriendly

New Tax Strategy After the SALT Deduction Limit Increase Learn how the OBBBA SALT deduction limit increase raises the cap to $40,000 through 2029, who qualifies, and how high-income taxpayers are affected.

📄 Attention, high-tax state pals! The SALT #deduction cap just got a makeover—from $10k to $40k till 2029! Ready to save big on your federal #taxes? Dive into the deets and see if you’re one of the lucky beneficiaries! 💸💡

📖 rainingpennies.com/taxes/salt-d...

#PersonalFinance

Social Security Taxable Benefits Calculator Use our Social Security Taxable Benefits Calculator to estimate how much of your benefits are taxable based on your income and filing status.

📖 Trying to figure out how much of your Social Security benefits are taxable? Check out this easy-to-use calculator to estimate the taxable portion based on IRS rules. Tax planning just got a whole lot simpler! 💰

📖 rainingpennies.com/taxes/social...

#PersonalFinance #TaxTips #SocialSecurity

Scissors, calculator, and dollar artifacts connoting cutting of taxes

Our blog “10 Proven Ways to Cut Your Tax Bill” has been updated to reflect the tax law changes introduced by the One Big Beautiful Bill Act (OBBBA), including expanded credits, higher deduction limits, and more.

www.rainingpennies.com/taxes/cut-yo...

What is the Big Beautiful Bill Impact on Social Security Taxes? What is the Big Beautiful Bill impact on Social Security taxes? Learn what the new deduction does and why your benefits might still be taxed.

🎉 The Big Beautiful Bill Act brings a $6,000 deduction for those 65+, potentially lowering your overall tax bill. But heads up, it doesn't change how much of your Social Security is taxable. 📉💰

📖 rainingpennies.com/taxes/big-be...

#PersonalFinance #TaxTips #SocialSecurity

11 Important Personal Financial Tips Every Engineer Must Know Important Personal Financial Tips Every Engineer Must Know

📰 Engineers, it’s time to channel those problem-solving skills into your finances! From smart budgeting to savvy investing, these 11 tips will help you engineer a path to financial success. 🔧

📖 rainingpennies.com/investments/...

#PersonalFinance #FinancialFreedom #Investing

ETFs vs Mutual Funds: Which Is Better for New Investors? New to investing? This ETFs vs mutual funds guide breaks down key differences in cost, trading, and strategy—so you can choose the right path with confidence.

📝 New to investing and torn between ETFs and mutual funds? 🤔 Dive into the pros and cons of both! From trading flexibility to tax perks, find out which suits your style and helps you grow that rainy day fund. 🌧️💰

📖 rainingpennies.com/investments/...

#PersonalFinance #InvestSmart #ETFs #MutualFunds

13 Items That Seem Like Investments But Are Just Junk Think you're making smart purchases? These 13 items may look like investments but are actually draining your wallet without gaining real value.

Are you investing or just collecting junk? With influencer advice and aggressive marketing, it's harder than ever to tell. Check out these 13 items that may seem like smart "investments," but have little lasting value.

#PersonalFinance

www.savingadvice.com/articles/202...

Sequence of Returns Risk: How to Secure Your Retirement Understand sequence of returns risk and secure your retirement with strategies to safeguard your savings. Act now to protect your financial future!

📰 Retirement dreams on the line? Sequence of returns risk is the sneaky culprit! 💰 Learn how to protect your nest egg with a cash cushion, smart investments, and flexible withdrawals.

📖 rainingpennies.com/retirement/s...

#PersonalFinance #Retirement #FinancialPlanning

Treasury Bills vs. Notes vs. Bonds: What’s the Difference? - NerdWallet Treasury bonds, notes and bills are U.S. government debt securities that mainly differ in their terms and the interest they pay.

Ever wondered the difference between Treasury Bills, Notes, and Bonds?🧐 It's all about the terms and the interest they pay. Dive into the details and make your money work smarter, not harder!💪💰

#InvestSmart #PersonalFinance

www.nerdwallet.com/article/fina...

News Sites Are Getting Crushed by Google’s New AI Tools Chatbots are replacing Google’s traditional search, devastating traffic for some publishers.

Chatbots are replacing Google searches, eliminating the need to click on blue links and tanking referrals to news sites. As a result, traffic that publishers relied on for years is plummeting.

As a small publisher, I'm very concerned about this.

www.wsj.com/tech/ai/goog... via @WSJ

#AI #blog

9 Alarming Signs Your Home Needs Immediate Repairs Is your home trying to warn you? These 9 alarming signs signal urgent repairs that could save you thousands if caught early. Don’t ignore them.

Your home talks to you with whispers, creaks, and shifts. Are you listening? 🏠👂 Don't miss the 9 alarming signs it's time for immediate repairs! What home repairs have you been putting off? #HomeMaintenance #DIY

www.savingadvice.com/articles/202...

Understand Your Portfolio With the Free ETF Diversification Tool Analyze ETF overlap and diversification with the free ETF Diversification Tool. Get insights into portfolio concentration, exposure, and top holdings.

📄 🎉 Diversify like a pro with the free Raining Pennies #ETF Diversification Tool! Compare up to 5 ETFs, get instant insights, and even a personalized report. All without subscription or tracking. Time to rethink your portfolio! 📊✨

📖 rainingpennies.com/tools/etf-di...

#PersonalFinance #Investing

Scissors, calculator, and dollar artifacts connoting cutting of taxes

📰 We've just refreshed our blog, "10 Proven Ways to Cut Your Tax Bill," for 2025. Check out these 10 legit ways to slash your tax bill! From home office perks to saving for retirement, it's all about keeping more cash in your pocket. 💸

📖 rainingpennies.com/taxes/cut-yo...

#PersonalFinance #taxes

What You Should Know About Social Security if Your Spouse Passes Away | SSA The death of a spouse is among the most stressful life events. Losing a spouse can be devastating both emotionally and financially. You can depend on us during this difficult time. Can I get surviving...

If your spouse has passed away, apply for Social Security survivor benefits ASAP. Call 1-800-772-1213 to discuss options, including the $255 lump sum death payment and possible monthly benefits, to ensure financial security during this difficult time.

📖 blog.ssa.gov/what-you-sho...

#socialsecurity

Zscaler jumps 9% on strong results fueled by AI growth "The proliferation of AI in all aspects of business is increasing the need for our AI security," said CEO Jay Chaudhry in a release.

#Zscaler (ZS) just leaped 9% thanks to strong results fueled by AI growth. In a world where AI is taking over, Zscaler is meeting the need for AI security. What are your thoughts on investing in AI-driven companies like Zscaler? #InvestSmart #AI

Source URL: www.cnbc.com/2025/05/30/z...

💡 Maximize your Health Savings Account for retirement and taxes with a triple tax break. Invest it, let it grow, and use it flexibly—even after 65!

💰 Say goodbye to the "use-it-or-lose-it" stress you associated with FSAs.

📖 rainingpennies.com/taxes/maximi...

#PersonalFinance #Retirement #HSA

The One Big Beautiful Bill Act (OBBBA) and Your Retirement Explore 7 key provisions in (or consequences of) the One Big Beautiful Bill Act (OBBBA) — and what they could mean for your retirement.

🧠 Explore Boldin's blog for insights on the One Big Beautiful Bill Act (OBBBA) and its impact on retirement. Great summary!

Remember, though, that the bill will go to the Senate next, so expect some changes.

#PersonalFinance #RetirementPlanning #FinancialTips

www.boldin.com/retirement/t...

The Real Reason the OpenAI-Jony Ive Partnership Is So Strange Did Sam Altman just figure out what AI's been missing? Or did he get locked into the very thinking he's spent his career avoiding?

Did Sam Altman just crack the AI code or is he spiraling into a paradox? The OpenAI-Jony Ive partnership has everyone talking. What's your take on this unusual alliance? 💭👇

#ArtificialIntelligence #OpenAI

www.hollywoodreporter.com/business/dig...

🤔 Is a $250 annual registration fee for electric vehicles fair compared to the 18.4 cents/gal gas tax? It equates to 27,173 miles/year at 20 miles/gal. Should EV owners contribute equally to road maintenance, or does it hinder EV adoption?

Share your thoughts! 🚗🔋

#EVs #electricvehicles

10 Proven Tricks to Master the “No Buy” Challenge Discover 10 proven tricks to master the "No Buy" Challenge in 2025. Save money, cut stress, and build habits that stick without feeling deprived.

📚 Ever tried a "No Buy" challenge? It’s not just about saving money—it's about getting creative! From using up what you have to DIY fixes and joining frugal communities, these tips make it fun and empowering. 💪 💰

📖 rainingpennies.com/savings/mast...

#PersonalFinance #savings #nobuy #spending

🌟 A lesson from Warren Buffett: A nation's credit rating is the heartbeat of its economy—when it falters, ripples of higher costs pulse through every consumer loan.

Mortgage rates, car payments, even your credit card APR can feel the squeeze.

#PersonalFinance #FinancialLiteracy

More helpful info from Foodguides on increasing RBC/hemoglobin blood levels. Who knew?

"To enhance the absorption of non-heme iron, it is beneficial to pair them with vitamin C-rich foods. Avoid consuming tea and coffee during meals, as they contain polyphenols that can decrease iron absorption."

💡 If something that cost $1 now sells for $1.10 due to a tariff,
will retailers drop it back to $1 if the tariff goes away?

Unlikely. Even $1.05 will feel like a deal next to $1.10.

#PersonalFinance #Inflation #Tariffs #Consumer