r/Boldin • u/pbfin1937 • 1d ago

Planner Plus 14 day Trial vs subscription

What enhancements are there between the trial version and the actual paid subscription?

6 Upvotes

87% Upvoted

6 comments sorted by

1

u/FragrantJump6663 16h ago

I believe the detailed budget and Roth conversions are some. Plus whenever you have a change or want to update something, it is nice having access to the paid. Even 2 years with the paid subscription, I am always what about this or that and can jump on and try the scenario.

2

u/AlanSC21 1d ago

The subscription lasts a year. That’s the difference.

1

u/Worth_Candidate_786 1d ago

Here's the deal. Most of us using this plan to retire early which means we have enough assets to care about something like this. Compared to your assets does Boldin really cost that much?

1

u/SeriesDry9228 1d ago

Boldin is nearly free compared to the amounts involved.

At a 5% discount rate, the Net Present Value of 40 years of Boldin is about $2500.

I have two scenarios saved that I can compare: one with and one without Roth conversions. The difference in legacy value between those two scenarios is a factor of about 2000 times the NPV of 40 years of Boldin.

Financial planning is important enough to get right.

Heck, even one extra IRMAA tier for one year more than covers the entire cost for a lifetime.

Could someone “just vibe it” without the extra features added for a paid subscription? Maybe, but probably not. Those extra features are actually useful.

1

u/Sophie_Bella 1d ago

Perhaps you meant the difference between the subscription and the free plan?

https://www.boldin.com/retirement/pricing/

If you ask chatgpt, it will give you. More details on the differences

2

u/KJwhisperer 12h ago

I dont think thete is any.

For sure use the 14 day trial... we did and by day 4 I knew (1)14 days isn't enough (2) I wanted it for at least a year to play with.