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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Retire Abroad Before 55: What Are You Waiting For?
Can't afford FIRE (Financial Independence, Retire Early) in the U.S.? Why not retire abroad? Financial planning experts weigh in with nine tips to get you started.
By Jacob Schroeder
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How to Retire Early in Seven Steps
Here is the secret sauce for how to retire early. Just be sure it's what you really want.
By Jacob Schroeder
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The Rule of 55 in a 401(k): One Way to Fund Early Retirement
The 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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The 'Second Law' of Retirement Rule
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
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Will an AI Robot Take Care of You in Old Age?
AI may be just the help older adults and their caretakers need. Just don't expect it to be a cute little humanoid — yet.
By Jacob Schroeder
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Retire Before 59.5: The IRS Rule to Unlock Your IRA or 401(k) Cash Penalty-Free
This early retirement hack lets you tap your retirement savings without tax penalties. But you must plan well.
By Jacob Schroeder
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The 80% Rule of Retirement
The 80% rule promises a comfortable lifestyle in retirement. Does it deliver, or should it go the way of paper checks and landline phones?
By Jacob Schroeder
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The 90+ Rule of Retirement: Live Long and Prosper
What good is living longer if your money doesn’t last long enough to enjoy it?
By Jacob Schroeder
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Five Early Retirement Mistakes to Avoid
These early retirement mistakes can douse your FIRE (Financial Independence, Retire Early) efforts.
By Jacob Schroeder
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The Rule of the Shrinking Dollar in Retirement
Alas, we must all follow the rule of the shrinking dollar once we hit retirement. Here's how to hold onto your hard-earned money in many years.
By Jacob Schroeder
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How Different Generations Invest and What They Can Teach You
Boomers, Gen Xers, millennials and Gen Zers are taking varying approaches to investing. Here's what they're doing and key lessons you can learn from them.
By Jacob Schroeder
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The Rule of Self-Reliance — a Retirement Rule
The rule of self-reliance holds that your well-being in old age is up to you, not your children, because "nothing can bring you peace but yourself."
By Jacob Schroeder
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What Your Portfolio Says About You – and Your Relationship with Risk
How well do you understand yourself and your risk tolerance? Being able to answer this question will help you become a better investor.
By Jacob Schroeder
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The Rule of Two Lives in Retirement: A Retirement Rule
The '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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The Kevin Bacon Rule of Retirement
The Kevin Bacon rule is more of a test.
By Jacob Schroeder
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Four Personality Traits Lead to More Retirement Savings
Four behavioral traits lead to more retirement savings down the road. Only 10% of workers have all four; do you?
By Jacob Schroeder
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Retiring in 2035? Here's What Your First Day Could Look Like
Your 2035 retirement isn't just a date. It's a day in your life. Here's what your future self might do on the first day and how retirement will have changed.
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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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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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 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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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
