
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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Will an AI Robot Take Care of You in Old Age?
AI Robots may be just the help older adults and their caretakers need for a host of tasks. Just don't expect it to be a cute little humanoid — yet.
By Jacob Schroeder Published
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7 Essential Investing Rules We All Should Know
The best time to start investing is right now. That's just one vital rule investors should be familiar with. Here are six more.
By Jacob Schroeder Published
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The 'First Year of Retirement' Rule
The '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 Published
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AI Is Missing the Wisdom of Older Adults: What It Means for You
AI will increasingly affect your health care and finances, but young workers are primarily designing the systems and getting most of the jobs.
By Jacob Schroeder Published
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The 'Second Law' of Retirement Rules
The second law of thermodynamics inspires this retirement rule, because “You do not rise to the level of your goals. You fall to the level of your systems.”
By Jacob Schroeder Published
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The Rule of 55: One Way to Fund Early Retirement
The Rule of 55 lets you access your retirement funds early. When paired with other strategies, it could help you kiss the office goodbye.
By Jacob Schroeder Last updated
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The Rule of 240 Paychecks in Retirement
The Rule of 240 Paychecks can help you plan for a lifetime of withdrawals. Because, like any good boss, you need to pay yourself wisely.
By Jacob Schroeder Published
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The 'Rule of Four Futures' in Retirement
The 'Rule of Four Futures' plans for the retirement you expect — and the ones you don’t. Because 'you don't get to choose the curveballs life throws you.'
By Jacob Schroeder Published
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The 'Rule of 25' for Retirement Planning: Start Here
Try 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 Published
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How Can Investors Profit From AI's Energy Use?
Global energy demand is expected to grow by leaps and bounds over the next several years as AI usage accelerates. Here's how to get a piece of the pie.
By Jacob Schroeder Published
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Want to Live Longer? Here's What Works
With longevity science booming, you might make it to age 150. We separate the hype from proven strategies. Because the "science is extremely promising."
By Jacob Schroeder Last updated
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The Rule of 1,000 Hours in Retirement
For 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 Published
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How Obesity Drugs Like Ozempic Could Revolutionize Retirement
GLP-1 drugs like Ozempic and Wegovy are already changing the way we age and manage chronic conditions.
By Jacob Schroeder Last updated
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Are Bonds a Good Investment for the Trump Era?
Stock market volatility has picked up in reaction to the Trump administration's tariff plans. Should investors consider bonds? We answer that question here.
By Jacob Schroeder Published
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Eight Habits for a Happy Retirement
happy retirement A long and happy retirement takes more than just money. Here are eight things happy retirees do – besides dutifully saving the money they’ll need to quit the 9-to-5 grind.
By Jacob Schroeder Last updated
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Will Retiring Early Make You Happier? It’s Complicated
Many people dream of retiring early. But leaving the daily grind may not be the key to happiness for everyone.
By Jacob Schroeder Last updated
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The 'Die With Zero' Rule of Retirement
If spending makes you nervous, the 'Die With Zero' rule might be for you. Because you don’t want to be the richest person in the graveyard.
By Jacob Schroeder Published
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How to Retire at 40: Build the FIRE Now
It's not easy, but you may be able to retire by 40 or 45 if you take these FIRE (Financial Independence, Retire Early) steps now.
By Jacob Schroeder Last updated
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How to Retire Early in Six Steps
Here is the secret sauce for how to retire early. Just be sure it's what you really want.
By Jacob Schroeder Last updated
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The Cost of Loneliness in Retirement
Accounting for the cost of loneliness is just as important as financial planning.
By Jacob Schroeder Last updated
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How to Retire Early Due to Disability or Caretaking
If you must retire early due to disability or to care for a loved one, these six steps to make it work financially.
By Jacob Schroeder Published
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The 80% Rule of Retirement
The 80% rule promises a comfortable lifestyle in retirement. Does it deliver?
By Jacob Schroeder Published
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Is 2026 the Year You Retire Early?
A guide to help you retire early in 2026, with a month-to-month list of achievable goals. What are you waiting for?
By Jacob Schroeder Published
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Things to Do When Retired and Bored
happy retirement Here are 13 ways to prepare now for retirement so that you’ll be happy, active, fulfilled and never, ever bored.
By Jacob Schroeder Last updated
happy retirement