I am writing this at 9.30 on a Monday morning, sitting in the garden. Mrs Accumulator has just waved to me through the window and I can scarcely believe she’s there. The past year has been strange, full of awkward trials and tiny tribulations, but the moment that’s just passed between us – well, it doesn’t get better than that. 1 About five years ago, 2 I’d have been desperately fighting bin-fires at the office, […]

Periods of financial stress can set the stage for difficult decisions for retirees, particularly when markets are down at the same time cash is needed for living expenses or an unexpected cost. Having another source of funds available can help reduce the need to sell investments after a decline and give the portfolio more time to recover. For homeowners, one of the most obvious places to look is home equity. A home equity line of […]

I’m writing this from Palm Springs, California, I’m here for FinCon, which if you’ve never heard of it is basically the annual gathering of the whole money media world. Bloggers, podcasters, YouTubers, writers, financial coaches, authors, and the brands that work with all of them. This year it’s three days at the Palm Springs Convention Center packed full of sessions, hallway conversations, and a whole lot of people who talk about money for a living […]

In this post, I offer a brief response to a recent thoughtful Reddit post. Credit to the poster for putting his or her views out there in an organized fashion and continuing the discourse. The poster is concerned about one of the predictions Cody Garrett and I make in the book Tax Planning To and […]

Welcome back to another monthly update from Root of Good! We are at home in Raleigh for a two month stretch right now. I forgot how nice it is to relax at home! During August, we spent a week in northern California visiting the Redwoods National Park and state parks. The last few days of the trip we spent driving south along the Pacific Coast Highway and enjoyed other scenic drives in the area. In […]

Earlier this year, I wrote about our early retirement healthcare options in Canada, specifically options for extended health care in early retirement. The research behind that article took a while and I thought the data … Read more

More than half of Gen Z adults ages 18 to 29 put money they had intended to invest for retirement into sports betting over the past year, according to a recent survey.

U.S. employers added 162,000 jobs in August 2026, while the unemployment rate remained at 4.1%, data from the U.S. Bureau of Labor Statistics shows. Yet hiring remains cautious. July recorded 5.1 million hires, and hiring in professional and business services fell by 188,000. For workers planning decades ahead, that matters because retirement security depends on earning power long before it depends on portfolio withdrawals. Traditional retirement planning often focuses on stocks, bonds, diversification and withdrawal […]