Jacob Schroeder
Jacob Schroeder is a financial writer covering topics related to personal finance and retirement. Over the course of a decade in the financial services industry, he has written materials to educate people on saving, investing and life in retirement. With the love of telling a good story, his work has appeared in publications including Yahoo Finance, Wealth Management magazine, The Detroit News and, as a short-story writer, various literary journals. He is also the creator of the finance newsletter The Root of All (https://rootofall.substack.com/), exploring how money shapes the world around us. Drawing from research and personal experiences, he relates lessons that readers can apply to make more informed financial decisions and live happier lives.
Latest articles by Jacob Schroeder
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GLP-1 Medicare Coverage: How to Get It for $50 (And the Catch)A new CMS program finally brings Wegovy and Zepbound within reach for seniors. But a hidden rule about your deductible could cost you thousands.
By Jacob Schroeder
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Retire Abroad Before 60 (or Even 55): What Are You Waiting For?You don't have to wait until 65 to live out your golden years. Here is exactly what it takes to fund an overseas retirement before you turn 60.
By Jacob Schroeder
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I Thought My Retirement Was Set — Until I Answered These 3 QuestionsI'm a retirement writer. Three deceptively simple questions helped me focus my retirement and life priorities.
By Jacob Schroeder
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The Emerson Rule of Retirement: Self-RelianceBy applying a time-honored philosophy to 21st-century finances, you can protect your wealth and spare your kids. You'll have a happier retirement, too.
By Jacob Schroeder
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The 'Rule of 25' for Retirement Planning: Start HereTry the simple calculation of the "Rule of 25." Because sometimes, a back-of-the-napkin idea is all you need to get started.
By Jacob Schroeder
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How to Retire Early in 7 StepsHere is the secret sauce for retiring early. You can try out that dream career or hobby, travel or just slow down, but be sure it's what you really want.
By Jacob Schroeder
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The 'Second Law' of Retirement: Claim Your Power Over DisorderThe best-laid plans in retirement have a way of drifting over time. Here are three steps to kick entropy to the curb.
By Jacob Schroeder
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The Rule of 1,000 Hours in RetirementFor retirees, the rule of 1,000 hours brings intention and clarity to your day. Because time is the most valuable thing you can spend.
By Jacob Schroeder
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Is Your Financial Adviser's 1% Fee Worth It?The 1% adviser fee has been a mainstay for retirement planning. But now that AI is doing some of their work, it’s worth knowing exactly what you're paying for.
By Jacob Schroeder
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The Rule of Two Lives in Retirement: One Life Becomes TwoThe "rule of two lives in retirement" means accounting for your partner at every decision point, because one life becomes two.
By Jacob Schroeder
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6 Early Retirement Mistakes to AvoidThese early retirement mistakes can douse your FIRE (Financial Independence, Retire Early) efforts.
By Jacob Schroeder
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The 'First Year of Retirement' RuleThe "first year of retirement" rule says the 12 months after you leave work set the tone for your entire later life — so it's vital to approach them mindfully.
By Jacob Schroeder
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The 'Die With Zero' Rule of RetirementIf spending makes you nervous, the 'Die With Zero' rule might be for you. Don’t be the richest person in the graveyard.
By Jacob Schroeder
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How Child-Free Adults Are Choosing to 'Live Early'How shifting from "Retiring Early" to "Living Early" allows child-free adults to enjoy their wealth while they’re still young enough to use it.
By Jacob Schroeder
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How 2026's Retirement Rule Changes Have Shifted Your SavingsSponsored by American National
Retirement planning in 2026 has come with new contribution limits, tax breaks and healthcare changes. Here's what savers and retirees need to know.
By Jacob Schroeder
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The Y Rule of Retirement: Why Men Need to Plan DifferentlyIf you have a Y chromosome (because you're a guy), following the 'Y rule of retirement' can help you transition to this new life stage with grace.
By Jacob Schroeder
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Why Retirement Demands a Beginner’s MindsetYou spent decades mastering your career, hobbies and savings. Now comes the hard part: learning how to be a novice all over again.
By Jacob Schroeder
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How to Manage Longevity Risk in Retirement: 10 SolutionsLongevity risk is the downside of our longer life expectancies. Here are 10 ways to make sure your money lasts.
By Jacob Schroeder
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Should You Split Your Retirement Accounts to Reduce Cyber Risk?AI and cyber threats to brokerages are growing. Will keeping your retirement funds in two or more institutions lessen your risk of getting wiped out?
By Jacob Schroeder
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How to Retire at 50 or 55: FIRE Before 60Yes, you can retire at 50 or 55. Take these FIRE (Financial Independence, Retire Early) steps now.
By Jacob Schroeder
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Why You Need to Plan Your Time as Carefully as Your Money in RetirementSponsored by American National
You wouldn't retire without a financial plan. So why do most people retire without a "time plan"?
By Jacob Schroeder
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Retire Before 59½: The IRS Rule to Unlock Your IRA or 401(k)This early-retirement hack lets you tap your retirement savings without tax penalties, helping bridge the gap to Social Security. But you must plan well.
By Jacob Schroeder
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The Rule of 55 in a 401(k): One Way to Fund Early RetirementThe Rule of 55 lets you access your 401(k) retirement funds early. When paired with other strategies, it could help you kiss the office goodbye.
By Jacob Schroeder
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Rich but Restless: Why $5M Isn’t Buying Retirement ConfidenceI took a deep dive into what actually builds retirement confidence. The answers had less to do with the amount saved than I expected.
By Jacob Schroeder
