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Save, invest, prosper with My Own Advisor. How do you intend to retire? Unless you go back in time, retirement no longer means stopping all forms of work from the factory job – retirement means different things to different people. While there remains a formal definition of retirement (in that there is the action of leaving one’s job or ceasing to work)… Join the million dollar portfolio journey. The article How do you intend to […]
For many families, the idea of stepping back from work in their 30s feels unrealistic. Careers are demanding, kids are young, and financial responsibilities seem endless. But Madison Sharick proves that with early investing, intentional planning, and a clear understanding of priorities, financial flexibility is possible much sooner than most people expect. Madison and her husband, Jake, reached Coast FIRE in their early 30s with just under $1 million invested. That means even if they […]
I don’t think most doctors are actually chasing money. I think we’re chasing time. Time to be with our families.Time to not feel rushed all the time.Time to enjoy the life we worked so hard to build instead of constantly feeling like it’s happening somewhere in the background. But somewhere along the way, we’re taught to focus on income as the scoreboard. More shifts. Higher pay. Better contract. And for a while, that works. Until […]
As we celebrate the holidays and the year comes to a close, I reflect on the journey behind my book, Your Journey to Financial Freedom, and share why the upcoming paperback edition feels especially meaningful. I also open up about what financial freedom looks like beyond hitting a specific number, why flexibility and choice matter more than perfection, and how having a framework not a rigid plan has helped me adjust as life has changed. […]
I keep redoing the calculations, over and over and over again. I calculate based on my entire net worth. Then, I calculate with guardrails and limiting parameters. I end up staring at my results for a very long time. The math – those cold, hard numbers – are, this time, uncharacteristically assuring to the extreme. No matter how I slice it, I can quit my job right now and go travel the world while living […]
Treasury Inflation-Protected Securities (TIPS) are often evaluated through the wrong lens. They are compared to stock returns during bull markets or dismissed as unattractive when inflation is quiet. At other times, the focus shifts to whether real yields are high enough today or whether it would be better to wait. All of that treats TIPS as a tactical investment decision. In reality, they are far more useful as retirement income-planning tools. Once retirement begins, the […]
Welcome back to another monthly update from Root of Good! We’ve been at home for about a month since wrapping up our Panama Canal cruise in November. We intentionally blocked off Thanksgiving and Christmas from our travel calendar so we could be at home during the holidays. We will be at home for roughly two full months, with no more travel planned until the end of January when we depart on our next cruise adventure. […]
Retirement is a harder transition than most people realize. Sure, you’ve made it across “The Starting Line,” and you have freedom unlike any other time in life. But it also comes with challenges: shifting identity, changes in relationships, and the question of what now? A concerning reality is that the risk of depression increases by 40% in retirement. Wouldn’t it be nice if there were proven ways to boost your happiness in retirement? Fortunately, there are. […]
Vanguard recently released a new line of target-date funds: the Vanguard Target Retirement Lifetime Income funds. The new series of funds will only be available in employer-sponsored defined contribution plans (e.g., 401(k), 403(b), etc.). What’s different about them, relative to the existing Vanguard Target Retirement Funds, is that beginning at age 55, they’ll begin allocating a portion of the portfolio to the TIAA Secure Income Account, a deferred annuity. And that deferred annuity can later […]
Sequence of return risk focuses on the timing of market drops and how early losses in retirement can reshape your entire income picture. You can average the same annualized returns as another retiree and still end up with very different results simply because your bad years arrived at the wrong time. Retirees who have saved diligently worry they could still fall behind simply because they retired at the wrong moment. That fear lies at the […]