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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The Y Rule of Retirement: Why Men Need to Plan Differently
If 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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5 Popular Investing Strategies You Should Really Rethink
There are plenty of popular sayings that help guide your investing strategies, but which ones work? We turned to the experts and historical data to find out.
By Jacob Schroeder
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The '120 Minus You Rule' of Retirement
The '120 Minus You Rule' updates an older retirement rule, with a twist. Here's how this approach to retirement portfolio construction can work for you.
By Jacob Schroeder
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The Rule of Retirement Inversion
The rule of retirement inversion says that to have a great retirement, you must ask yourself what would ruin a great retirement — and then plan to avoid it.
By Jacob Schroeder
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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
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The Retirement Rule of $1 More
The Rule of $1 More explains how to plan for critical retirement thresholds. "You don't want to step off a cliff just because of $1 more."
By Jacob Schroeder
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Take a Sabbatical Over Early Retirement for a Cheaper Reset
A sabbatical can help you get over burnout, explore a new career or hobby and won't break your retirement if done right.
By Jacob Schroeder
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The '8-Year Rule of Social Security' — A Retirement Rule
The '8-Year Rule of Social Security' holds that it's best to be like Ike — Eisenhower, that is. The five-star general knew a thing or two about good timing.
By Jacob Schroeder
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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
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How AI's Youth Skew Affects Older Adults
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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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How to Have a Happy Retirement
Want a happy retirement? These eight tips for finding your retirement bliss are backed by solid evidence.
By Jacob Schroeder
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Should You Invest With Friends? What to Know Before Joining an Investment Group
Investment groups have been around for years and give folks the chance to pool money together to buy stocks and funds, but are they a good idea?
By Jacob Schroeder
