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During your working years, bonds are primarily used as a portfolio stabilizer. They can help dampen volatility, provide income, and reduce the impact of stock market declines. During the accumulation years, that role is generally enough. The portfolio’s primary job is still growth, and bonds are there to make the ride more manageable. Retirement changes the landscape. Once paychecks stop and portfolio withdrawals begin, bonds may need to go beyond stabilizing the portfolio and provide cash […]
Sometimes there’s a world of nuance hiding inside things we barely notice. Kind of like the Dr. Seuss book, Horton Hears a Who!, where Horton the Elephant discovers Whoville, an entire microscopic city that exists on a floating speck of dust. Well, this article is about one of those nuanced topics many people never think much about — but those of us in retirement planning think about all the time. Bonds. And as many retirees […]
In this episode, I sit back down with Cody Berman, entrepreneur, real estate investor, and author of the book Retire by 30. Cody first came on the podcast in 2018 at 22 years old. By 25, he had reached financial independence through scalable online businesses, strategic real estate, and intentional spending. He quit a corporate banking job after seven months, tried over 30 side hustles, and grew his income from $96K to over $400K in […]
Growing up, financial independence retire early (FIRE) had never been an unfamiliar concept to me. Seeing my dad retiring in his early 40s while I was a teenager and then having one of my cousins … Read more
Welcome back to another monthly update from Root of Good! We spent half the month of May in the British Isles cruising around Scotland, Ireland, and England. After a pit stop in Raleigh for a few weeks, we’re back on the road again in June for another European cruise. While in Raleigh, we enjoyed the warm springtime weather and beauty of the outdoors. Our two adult kids are busy with their first post-college jobs. Our […]
The first Weekend Reading every month can be read by anyone on the Monevator website. Subscribe for free to our email newsletter or become a member to ensure you see the rest. I guess we’ve all got used to prices going up again by now. But a £2,100 jump in just 12 months in the income needed to fund a comfortable retirement is still a little shocking. That figure comes from the latest Pensions UK […]
There’s a moment—usually somewhere in the last 3–7 years before retirement—when the questions you ask yourself shift. It’s no longer:“Am I saving enough?” It becomes:“Can I actually make this work?” That shift is what retirement transition planning is about. Not theory. Not generic advice. Just clarity around whether your life, your money, and your timing actually line up. If you’re looking for a broader view of how this fits into the bigger picture, our retirement […]
Have you ever wondered if it’s possible to retire early, even before turning 30? The idea might seem impossible, but Cody’s story proves that with the right mindset, strategies, and dedication, early financial freedom is achievable. In this deep dive, Cody shares his journey from a young age, his key strategies, and practical tips for […] The post How to Achieve Financial Independence and Retire Before 30: Strategies from Cody’s Journey first appeared on Whitney […]
As you can imagine, a lot of planning is required to reach early retirement. Despite all the planning, projections, and running different scenarios, there will always be some level of uncertainty when it comes to … Read more
A story from Fortune rudely assaulted my news feed recently. The title of it is big and scary: WHOAHH! Everything I know is a LIE! I NEED to find another job! NOW!!! Haha. No. The article referenced a paper by the National Bureau of Economic Research which had more scary words: Correlational evidence suggests that […] The post Will Early Retirement Lead To Early Death? appeared first on 1500 Days to Freedom.
It’s imperative that retirees embrace an optimized retirement cash flow plan. Over decades, these plans can often “find” tens to hundreds of thousands of dollars of income. And out of the gate, a retirement cash flow plan addresses a retiree’s number one concern – the fear of running out of money. The cash flow plan makes the best effort to ensure that does not happen. The plans optimize taxes, demonstrates how to take full advantage […]
We are now in month 2 of my cross-country road trip and month 5 of my voluntary unemployment. If I was in my 60s, nobody would bat an eye at this. Since I’m in my early 30s, however, this raises quite a few brows. The naysayers who pooh-pooh my plans have a much less rosy outlook on this time of my life than I do. They ask me about spending projections, long-term economic crashes, and […]
There is a question I hear often from women who have been saving for decades, doing everything right, maxing out their 401(k), watching the balance climb, and then suddenly, somewhere in their late 40s or early 50s, they start to wonder: is this actually enough? And more importantly, do I actually know how this turns out? The number in the account is not what keeps them up at night. What keeps them up is not […]