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Root of Good Recommends: Personal Capital* - It's the best FREE way to track your spending, income, and entire investment portfolio all in one place.Did I mention it's FREE? Interactive Brokers $1,000 bonus* - Get a $1,000 bonus when you transfer $100,000 to Interactive Brokers zero fee brokerage account.For transfers under $100,000 get 1% bonus on whatever you transferROOT OF GOOD
In financial terms, April was a good month. After a couple months of losses, our net worth reversed course and climbed by a modest $9,000 to $2,033,000. Our spending remained low at $1,977 which was just a tiny bit more than our April income of $1,837. Read more. QUIT LIKE A MILLIONAIRE Enjoy your winning copy of Quit Like a Millionaire! One Giveaway, shaken not stirred. Root of Good’s comments: Kristy’s story is interesting and her book Quit Like a Millionaire is a compelling read. If you’ve read much of her blog Millennial Revolution, then you’ll be familiar with her engaging writing style. WHY WE CHOSE THE WORST SCHOOL IN THE DISTRICT In my last article asking whether we should conceal our wealth, I mentioned the high poverty school that our children attend. We had a choice of many different elementary schools, and decided to go with the objectively worst school available based on traditional measures like test scores, percent of students in poverty, percent of students with limited English proficiency, and other DOING NOTHING IS OKAY Closing Thoughts. Finding the sweet balance between productivity and leisure is an individual choice. It makes no sense to compare yourself to others and feel bad for doing nothing. Do what you enjoy and what makes your life fulfilling and don’t use the accomplishments of other people as a measuring stick. SHOULD YOU RETIRE EARLY IF YOU ONLY HAVE FIVE YEARS TO The average survival is 5 years from diagnoses but some people beat the odds. I think, for my age group it’s 60% chance of 5 years survival and ~35% of 10 years. “. “Continuing work as usual is not necessarily possible (I’m currently on leave as I had high dose chemo 4 months ago which takes 6 months recovery). PITFALLS AND SUBSIDIES WHILE SIGNING UP FOR AFFORDABLE While we were planning for early retirement, health insurance was the scariest unknown variable in the plan. This was in the dark ages before the Affordable Care Act's premium subsidies and guaranteed coverage. Back then, I budgeted $1,000 per month when family premiums were $500 per month simply because I expected insurance costs to go up significantly and to account for the chance WELCOME TO ROOT OF GOOD! Root of Good Recommends: Personal Capital* - It's the best FREE way to track your spending, income, and entire investment portfolio all in one place.Did I mention it's FREE? Interactive Brokers $1,000 bonus* - Get a $1,000 bonus when you transfer $100,000 to Interactive Brokers zero fee brokerage account.For transfers under $100,000 get 1% bonus on whatever you transfer MARCH 2021 EARLY RETIREMENT UPDATE JANUARY 2021 EARLY RETIREMENT UPDATEBLOGS/LINKS
Root of Good Recommends: Personal Capital* - It's the best FREE way to track your spending, income, and entire investment portfolio all in one place.Did I mention it's FREE? Interactive Brokers $1,000 bonus* - Get a $1,000 bonus when you transfer $100,000 to Interactive Brokers zero fee brokerage account.For transfers under $100,000 get 1% bonus on whatever you transferROOT OF GOOD
In financial terms, April was a good month. After a couple months of losses, our net worth reversed course and climbed by a modest $9,000 to $2,033,000. Our spending remained low at $1,977 which was just a tiny bit more than our April income of $1,837. Read more. QUIT LIKE A MILLIONAIRE Enjoy your winning copy of Quit Like a Millionaire! One Giveaway, shaken not stirred. Root of Good’s comments: Kristy’s story is interesting and her book Quit Like a Millionaire is a compelling read. If you’ve read much of her blog Millennial Revolution, then you’ll be familiar with her engaging writing style. WHY WE CHOSE THE WORST SCHOOL IN THE DISTRICT In my last article asking whether we should conceal our wealth, I mentioned the high poverty school that our children attend. We had a choice of many different elementary schools, and decided to go with the objectively worst school available based on traditional measures like test scores, percent of students in poverty, percent of students with limited English proficiency, and other DOING NOTHING IS OKAY Closing Thoughts. Finding the sweet balance between productivity and leisure is an individual choice. It makes no sense to compare yourself to others and feel bad for doing nothing. Do what you enjoy and what makes your life fulfilling and don’t use the accomplishments of other people as a measuring stick. SHOULD YOU RETIRE EARLY IF YOU ONLY HAVE FIVE YEARS TO The average survival is 5 years from diagnoses but some people beat the odds. I think, for my age group it’s 60% chance of 5 years survival and ~35% of 10 years. “. “Continuing work as usual is not necessarily possible (I’m currently on leave as I had high dose chemo 4 months ago which takes 6 months recovery). PITFALLS AND SUBSIDIES WHILE SIGNING UP FOR AFFORDABLE While we were planning for early retirement, health insurance was the scariest unknown variable in the plan. This was in the dark ages before the Affordable Care Act's premium subsidies and guaranteed coverage. Back then, I budgeted $1,000 per month when family premiums were $500 per month simply because I expected insurance costs to go up significantly and to account for the chance WELCOME TO ROOT OF GOOD! Root of Good Recommends: Personal Capital* - It's the best FREE way to track your spending, income, and entire investment portfolio all in one place.Did I mention it's FREE? Interactive Brokers $1,000 bonus* - Get a $1,000 bonus when you transfer $100,000 to Interactive Brokers zero fee brokerage account.For transfers under $100,000 get 1% bonus on whatever you transferROOT OF GOOD
Retired in 2013 at age 33. Life is Good. JULY 2020 EARLY RETIREMENT UPDATE Breaking news: we just had the biggest earthquake in 100 years here in North Carolina! Sunday morning we woke up to the whole house shaking. I immediately recognized the rumbling and jostling after living through a much stronger quake in Mexico more than 20 years ago. No damage here in the Raleigh area. But at the epicenter in Sparta, North Carolina, the 5.1 magnitude quake caused someROOT OF GOOD
In financial terms, April was a good month. After a couple months of losses, our net worth reversed course and climbed by a modest $9,000 to $2,033,000. Our spending remained low at $1,977 which was just a tiny bit more than our April income of $1,837. Read more.BLOGS/LINKS
Root of Good Recommends: Personal Capital* - It's the best FREE way to track your spending, income, and entire investment portfolio all in one place.Did I mention it's FREE? Interactive Brokers $1,000 bonus* - Get a $1,000 bonus when you transfer $100,000 to Interactive Brokers zero fee brokerage account.For transfers under $100,000 get 1% bonus on whatever you transferROOT OF GOOD
Out net worth remained the same at $1,988,000. It was a good month of income with $4,173. Our expenses remained moderate at $2,846. In financial terms we’re just fine even though we are still about $50,000 below our year end 2017 net worth of $2,037,000. Read more. SNAPSHOT OF ROOT OF GOOD'S DIVERSIFICATION AND ASSET Snapshot of Root of Good’s Diversification and Asset Allocation. November 17, 2013 JustinRoG Financial Independence, Investing, Personal Finance. I have been a little lazy on the investment front during my three months in early retirement. I haven’t bought or sold anything in my portfolio. Not that it really matters, since youshouldn’t
ROOT OF GOOD
Big news on the financial front. In November, our net worth smashed through the big $2 million dollar mark! Our net worth climbed $33,000 to close the month at $2,011,000. Income remained strong at $3,228 while expenses increased to $2,857 (still within budget though). DOING NOTHING IS OKAY Closing Thoughts. Finding the sweet balance between productivity and leisure is an individual choice. It makes no sense to compare yourself to others and feel bad for doing nothing. Do what you enjoy and what makes your life fulfilling and don’t use the accomplishments of other people as a measuring stick.ROOT OF GOOD
Be Your Own Insurance Company. October 26, 2013 JustinRoG Lifestyle, Parenting, Personal Finance. Understand Risk This past weekend was a very busy one at the Root of Good household. We were hosting play dates, lunches, and dinners for a few friends at our house throughoutthe weekend. Add.
WELCOME TO ROOT OF GOOD! Root of Good Recommends: Personal Capital* - It's the best FREE way to track your spending, income, and entire investment portfolio all in one place.Did I mention it's FREE? Interactive Brokers $1,000 bonus* - Get a $1,000 bonus when you transfer $100,000 to Interactive Brokers zero fee brokerage account.For transfers under $100,000 get 1% bonus on whatever you transfer MARCH 2021 EARLY RETIREMENT UPDATE JANUARY 2021 EARLY RETIREMENT UPDATEBLOGS/LINKS
Root of Good Recommends: Personal Capital* - It's the best FREE way to track your spending, income, and entire investment portfolio all in one place.Did I mention it's FREE? Interactive Brokers $1,000 bonus* - Get a $1,000 bonus when you transfer $100,000 to Interactive Brokers zero fee brokerage account.For transfers under $100,000 get 1% bonus on whatever you transferROOT OF GOOD
In financial terms, April was a good month. After a couple months of losses, our net worth reversed course and climbed by a modest $9,000 to $2,033,000. Our spending remained low at $1,977 which was just a tiny bit more than our April income of $1,837. Read more. QUIT LIKE A MILLIONAIRE Enjoy your winning copy of Quit Like a Millionaire! One Giveaway, shaken not stirred. Root of Good’s comments: Kristy’s story is interesting and her book Quit Like a Millionaire is a compelling read. If you’ve read much of her blog Millennial Revolution, then you’ll be familiar with her engaging writing style. WHY WE CHOSE THE WORST SCHOOL IN THE DISTRICT In my last article asking whether we should conceal our wealth, I mentioned the high poverty school that our children attend. We had a choice of many different elementary schools, and decided to go with the objectively worst school available based on traditional measures like test scores, percent of students in poverty, percent of students with limited English proficiency, and other DOING NOTHING IS OKAY Closing Thoughts. Finding the sweet balance between productivity and leisure is an individual choice. It makes no sense to compare yourself to others and feel bad for doing nothing. Do what you enjoy and what makes your life fulfilling and don’t use the accomplishments of other people as a measuring stick. SHOULD YOU RETIRE EARLY IF YOU ONLY HAVE FIVE YEARS TO The average survival is 5 years from diagnoses but some people beat the odds. I think, for my age group it’s 60% chance of 5 years survival and ~35% of 10 years. “. “Continuing work as usual is not necessarily possible (I’m currently on leave as I had high dose chemo 4 months ago which takes 6 months recovery). PITFALLS AND SUBSIDIES WHILE SIGNING UP FOR AFFORDABLE While we were planning for early retirement, health insurance was the scariest unknown variable in the plan. This was in the dark ages before the Affordable Care Act's premium subsidies and guaranteed coverage. Back then, I budgeted $1,000 per month when family premiums were $500 per month simply because I expected insurance costs to go up significantly and to account for the chance WELCOME TO ROOT OF GOOD! Root of Good Recommends: Personal Capital* - It's the best FREE way to track your spending, income, and entire investment portfolio all in one place.Did I mention it's FREE? Interactive Brokers $1,000 bonus* - Get a $1,000 bonus when you transfer $100,000 to Interactive Brokers zero fee brokerage account.For transfers under $100,000 get 1% bonus on whatever you transfer MARCH 2021 EARLY RETIREMENT UPDATE JANUARY 2021 EARLY RETIREMENT UPDATEBLOGS/LINKS
Root of Good Recommends: Personal Capital* - It's the best FREE way to track your spending, income, and entire investment portfolio all in one place.Did I mention it's FREE? Interactive Brokers $1,000 bonus* - Get a $1,000 bonus when you transfer $100,000 to Interactive Brokers zero fee brokerage account.For transfers under $100,000 get 1% bonus on whatever you transferROOT OF GOOD
In financial terms, April was a good month. After a couple months of losses, our net worth reversed course and climbed by a modest $9,000 to $2,033,000. Our spending remained low at $1,977 which was just a tiny bit more than our April income of $1,837. Read more. QUIT LIKE A MILLIONAIRE Enjoy your winning copy of Quit Like a Millionaire! One Giveaway, shaken not stirred. Root of Good’s comments: Kristy’s story is interesting and her book Quit Like a Millionaire is a compelling read. If you’ve read much of her blog Millennial Revolution, then you’ll be familiar with her engaging writing style. WHY WE CHOSE THE WORST SCHOOL IN THE DISTRICT In my last article asking whether we should conceal our wealth, I mentioned the high poverty school that our children attend. We had a choice of many different elementary schools, and decided to go with the objectively worst school available based on traditional measures like test scores, percent of students in poverty, percent of students with limited English proficiency, and other DOING NOTHING IS OKAY Closing Thoughts. Finding the sweet balance between productivity and leisure is an individual choice. It makes no sense to compare yourself to others and feel bad for doing nothing. Do what you enjoy and what makes your life fulfilling and don’t use the accomplishments of other people as a measuring stick. SHOULD YOU RETIRE EARLY IF YOU ONLY HAVE FIVE YEARS TO The average survival is 5 years from diagnoses but some people beat the odds. I think, for my age group it’s 60% chance of 5 years survival and ~35% of 10 years. “. “Continuing work as usual is not necessarily possible (I’m currently on leave as I had high dose chemo 4 months ago which takes 6 months recovery). PITFALLS AND SUBSIDIES WHILE SIGNING UP FOR AFFORDABLE While we were planning for early retirement, health insurance was the scariest unknown variable in the plan. This was in the dark ages before the Affordable Care Act's premium subsidies and guaranteed coverage. Back then, I budgeted $1,000 per month when family premiums were $500 per month simply because I expected insurance costs to go up significantly and to account for the chance WELCOME TO ROOT OF GOOD! Root of Good Recommends: Personal Capital* - It's the best FREE way to track your spending, income, and entire investment portfolio all in one place.Did I mention it's FREE? Interactive Brokers $1,000 bonus* - Get a $1,000 bonus when you transfer $100,000 to Interactive Brokers zero fee brokerage account.For transfers under $100,000 get 1% bonus on whatever you transferROOT OF GOOD
Retired in 2013 at age 33. Life is Good. JULY 2020 EARLY RETIREMENT UPDATE Breaking news: we just had the biggest earthquake in 100 years here in North Carolina! Sunday morning we woke up to the whole house shaking. I immediately recognized the rumbling and jostling after living through a much stronger quake in Mexico more than 20 years ago. No damage here in the Raleigh area. But at the epicenter in Sparta, North Carolina, the 5.1 magnitude quake caused someROOT OF GOOD
In financial terms, April was a good month. After a couple months of losses, our net worth reversed course and climbed by a modest $9,000 to $2,033,000. Our spending remained low at $1,977 which was just a tiny bit more than our April income of $1,837. Read more.BLOGS/LINKS
Root of Good Recommends: Personal Capital* - It's the best FREE way to track your spending, income, and entire investment portfolio all in one place.Did I mention it's FREE? Interactive Brokers $1,000 bonus* - Get a $1,000 bonus when you transfer $100,000 to Interactive Brokers zero fee brokerage account.For transfers under $100,000 get 1% bonus on whatever you transferROOT OF GOOD
Out net worth remained the same at $1,988,000. It was a good month of income with $4,173. Our expenses remained moderate at $2,846. In financial terms we’re just fine even though we are still about $50,000 below our year end 2017 net worth of $2,037,000. Read more. SNAPSHOT OF ROOT OF GOOD'S DIVERSIFICATION AND ASSET Snapshot of Root of Good’s Diversification and Asset Allocation. November 17, 2013 JustinRoG Financial Independence, Investing, Personal Finance. I have been a little lazy on the investment front during my three months in early retirement. I haven’t bought or sold anything in my portfolio. Not that it really matters, since youshouldn’t
ROOT OF GOOD
Big news on the financial front. In November, our net worth smashed through the big $2 million dollar mark! Our net worth climbed $33,000 to close the month at $2,011,000. Income remained strong at $3,228 while expenses increased to $2,857 (still within budget though). DOING NOTHING IS OKAY Closing Thoughts. Finding the sweet balance between productivity and leisure is an individual choice. It makes no sense to compare yourself to others and feel bad for doing nothing. Do what you enjoy and what makes your life fulfilling and don’t use the accomplishments of other people as a measuring stick.ROOT OF GOOD
Be Your Own Insurance Company. October 26, 2013 JustinRoG Lifestyle, Parenting, Personal Finance. Understand Risk This past weekend was a very busy one at the Root of Good household. We were hosting play dates, lunches, and dinners for a few friends at our house throughoutthe weekend. Add.
WELCOME TO ROOT OF GOOD! Root of Good Recommends: Personal Capital* - It's the best FREE way to track your spending, income, and entire investment portfolio all in one place.Did I mention it's FREE? Interactive Brokers $1,000 bonus* - Get a $1,000 bonus when you transfer $100,000 to Interactive Brokers zero fee brokerage account.For transfers under $100,000 get 1% bonus on whatever you transferBLOGS/LINKS
Root of Good Recommends: Personal Capital* - It's the best FREE way to track your spending, income, and entire investment portfolio all in one place.Did I mention it's FREE? Interactive Brokers $1,000 bonus* - Get a $1,000 bonus when you transfer $100,000 to Interactive Brokers zero fee brokerage account.For transfers under $100,000 get 1% bonus on whatever you transfer JANUARY 2021 EARLY RETIREMENT UPDATE MARCH 2021 EARLY RETIREMENT UPDATE QUIT LIKE A MILLIONAIRE Root of Good’s comments: Kristy’s story is interesting and her book Quit Like a Millionaire is a compelling read. If you’ve read much of her blog Millennial Revolution, then you’ll be familiar with her engaging writing style.Her voice carries over to the book as well. WHY WE CHOSE THE WORST SCHOOL IN THE DISTRICT In my last article asking whether we should conceal our wealth, I mentioned the high poverty school that our children attend. We had a choice of many different elementary schools, and decided to go with the objectively worst school available based on traditional measures like test scores, percent of students in poverty, percent of students with limited English proficiency, and otherROOT OF GOOD
The thirteenth (and next to last) stop on our nine week, fourteen city summer vacation across Europe brought us to Koblenz, Germany. The city of Koblenz sits at the confluence of the Mosel and Rhine River in the western part of Germany. DOING NOTHING IS OKAY Do you need to be productive in retirement? Or is it okay to screw around all day and live a life of leisure? Or does the secret to retirement success lie somewhere in between the two extremes of productivity and leisure? There is no right answer to the question of how busy you must be in retirement to be fulfilled and content. It depends on what drives you and makes you happy. SHOULD YOU RETIRE EARLY IF YOU ONLY HAVE FIVE YEARS TO Every week I receive a handful of questions from Root of Good readers and I try to answer them all, even if it's a brief response. Last week was no different. The inquiry I received from "Eric" caught my eye immediately as I scanned through my emails. Subject: "Scared". One word, vague, non-specific. Hmmm - might be spam? As it turns out itwasn't spam at all.
PITFALLS AND SUBSIDIES WHILE SIGNING UP FOR AFFORDABLE While we were planning for early retirement, health insurance was the scariest unknown variable in the plan. This was in the dark ages before the Affordable Care Act's premium subsidies and guaranteed coverage. Back then, I budgeted $1,000 per month when family premiums were $500 per month simply because I expected insurance costs to go up significantly and to account for the chance WELCOME TO ROOT OF GOOD! Root of Good Recommends: Personal Capital* - It's the best FREE way to track your spending, income, and entire investment portfolio all in one place.Did I mention it's FREE? Interactive Brokers $1,000 bonus* - Get a $1,000 bonus when you transfer $100,000 to Interactive Brokers zero fee brokerage account.For transfers under $100,000 get 1% bonus on whatever you transferBLOGS/LINKS
Root of Good Recommends: Personal Capital* - It's the best FREE way to track your spending, income, and entire investment portfolio all in one place.Did I mention it's FREE? Interactive Brokers $1,000 bonus* - Get a $1,000 bonus when you transfer $100,000 to Interactive Brokers zero fee brokerage account.For transfers under $100,000 get 1% bonus on whatever you transfer JANUARY 2021 EARLY RETIREMENT UPDATE MARCH 2021 EARLY RETIREMENT UPDATE QUIT LIKE A MILLIONAIRE Root of Good’s comments: Kristy’s story is interesting and her book Quit Like a Millionaire is a compelling read. If you’ve read much of her blog Millennial Revolution, then you’ll be familiar with her engaging writing style.Her voice carries over to the book as well. WHY WE CHOSE THE WORST SCHOOL IN THE DISTRICT In my last article asking whether we should conceal our wealth, I mentioned the high poverty school that our children attend. We had a choice of many different elementary schools, and decided to go with the objectively worst school available based on traditional measures like test scores, percent of students in poverty, percent of students with limited English proficiency, and otherROOT OF GOOD
The thirteenth (and next to last) stop on our nine week, fourteen city summer vacation across Europe brought us to Koblenz, Germany. The city of Koblenz sits at the confluence of the Mosel and Rhine River in the western part of Germany. DOING NOTHING IS OKAY Do you need to be productive in retirement? Or is it okay to screw around all day and live a life of leisure? Or does the secret to retirement success lie somewhere in between the two extremes of productivity and leisure? There is no right answer to the question of how busy you must be in retirement to be fulfilled and content. It depends on what drives you and makes you happy. SHOULD YOU RETIRE EARLY IF YOU ONLY HAVE FIVE YEARS TO Every week I receive a handful of questions from Root of Good readers and I try to answer them all, even if it's a brief response. Last week was no different. The inquiry I received from "Eric" caught my eye immediately as I scanned through my emails. Subject: "Scared". One word, vague, non-specific. Hmmm - might be spam? As it turns out itwasn't spam at all.
PITFALLS AND SUBSIDIES WHILE SIGNING UP FOR AFFORDABLE While we were planning for early retirement, health insurance was the scariest unknown variable in the plan. This was in the dark ages before the Affordable Care Act's premium subsidies and guaranteed coverage. Back then, I budgeted $1,000 per month when family premiums were $500 per month simply because I expected insurance costs to go up significantly and to account for the chance WELCOME TO ROOT OF GOOD! Root of Good Recommends: Personal Capital* - It's the best FREE way to track your spending, income, and entire investment portfolio all in one place.Did I mention it's FREE? Interactive Brokers $1,000 bonus* - Get a $1,000 bonus when you transfer $100,000 to Interactive Brokers zero fee brokerage account.For transfers under $100,000 get 1% bonus on whatever you transferROOT OF GOOD
Retired in 2013 at age 33. Life is Good.BLOGS/LINKS
Root of Good Recommends: Personal Capital* - It's the best FREE way to track your spending, income, and entire investment portfolio all in one place.Did I mention it's FREE? Interactive Brokers $1,000 bonus* - Get a $1,000 bonus when you transfer $100,000 to Interactive Brokers zero fee brokerage account.For transfers under $100,000 get 1% bonus on whatever you transfer JULY 2020 EARLY RETIREMENT UPDATE Breaking news: we just had the biggest earthquake in 100 years here in North Carolina! Sunday morning we woke up to the whole house shaking. I immediately recognized the rumbling and jostling after living through a much stronger quake in Mexico more than 20 years ago. No damage here in the Raleigh area. But at the epicenter in Sparta, North Carolina, the 5.1 magnitude quake caused some SNAPSHOT OF ROOT OF GOOD'S DIVERSIFICATION AND ASSET Root of Good Recommends: Personal Capital* - It's the best FREE way to track your spending, income, and entire investment portfolio all in one place.Did I mention it's FREE? Interactive Brokers $1,000 bonus* - Get a $1,000 bonus when you transfer $100,000 to Interactive Brokers zero fee brokerage account.For transfers under $100,000 get 1% bonus on whatever you transferROOT OF GOOD
Retired in 2013 at age 33. Life is Good.ROOT OF GOOD
Retired in 2013 at age 33. Life is Good. Halloween is over (booo!) and Thanksgiving is around the corner. Looks like we will be hosting a big Thanksgiving dinner for Mrs. RootofGood’s side of the family againthis year.
DOING NOTHING IS OKAY Do you need to be productive in retirement? Or is it okay to screw around all day and live a life of leisure? Or does the secret to retirement success lie somewhere in between the two extremes of productivity and leisure? There is no right answer to the question of how busy you must be in retirement to be fulfilled and content. It depends on what drives you and makes you happy.ROOT OF GOOD
Happy New Year! Another great year in the books for us. Our youngest started kindergarten. We took an amazing nine week trip to Europe. And with all the kids in school we were finally able to take advantage of a nice last minute travel deal when Mrs. Root of Good and I jumped on a cruise to the Caribbean for a week. CRACKING $2 MILLION: NOVEMBER 2017 FINANCIAL UPDATE After four months of spending less than $2,000 per month, November saw our spending rise to $2,857. That’s just a few hundred less than our budgeted spending of $3,333 per month (or $40,000 per year). November’s spending was bigger than other months because I bought several gift cards and paid extra on our utilities in order to get bonus points from credit card sign up offers. MARCH 2021 EARLY RETIREMENT UPDATE WHAT WOULD YOU DO WITH ONE MILLION DOLLARS? A lot. Reduce your taxes (step 2 will do a good job cutting taxes) Give your investments time to grow. Enjoy the benefits of being wealthy. For the time being, just think all this over. If you are eager to start on the road to being wealthy, figure out one way to save more money each month. JANUARY 2021 EARLY RETIREMENT UPDATE FEBRUARY 2021 EARLY RETIREMENT UPDATE REPAIRING THINGS AROUND THE HOUSE Apparently 162 shirts isn’t an excessive load, but 162 shirts plus an 8 year old amateur trapezist is just enough to rip the closet rod’s mounting bracket in half. It’s never boring around here. And lest anyone thinks the Root of Good family lives a deprived life of barren frugality, I’ll allow the 162 shirts adorning the newly LIVING ON DIVIDENDS IN EARLY RETIREMENT The $21,000 or so of dividends in the tax deferred accounts gets reinvested automatically. The $7,767 of dividends from our taxable account covered about a third of our $23,802 living expenses in 2015, which goes to show just how important dividends can be to fund a successful early retirement. We didn’t spend our whole $32,400 early retirement budget in 2015, but our taxable dividends would HOW TO PAY FOR COLLEGE WHILE EARLY RETIRED With either choice, the total cost for college will be between $10,000 per year plus whatever we already spend on them as part of our $40,000 early retirement budget and $24,000 per year. A quick note on college cost inflation. Yes, tuition increases at a faster rate than overallCPI inflation.
QUIT LIKE A MILLIONAIRE Enjoy your winning copy of Quit Like a Millionaire! One Giveaway, shaken not stirred. Root of Good’s comments: Kristy’s story is interesting and her book Quit Like a Millionaire is a compelling read. If you’ve read much of her blog Millennial Revolution, then you’ll be familiar with her engaging writing style.ROOT OF GOOD
Welcome to Root of Good! September 11, 2013 JustinRoG Uncategorized. Hello and welcome! Feel free to look around. Here is a brief summary of what you can expect to see here: Personal Finance, Financial Independence, Investing, Having Kids without Breaking the Bank, Travel, Moneyhacks, Anything. Read more. PITFALLS AND SUBSIDIES WHILE SIGNING UP FOR AFFORDABLE While we were planning for early retirement, health insurance was the scariest unknown variable in the plan. This was in the dark ages before the Affordable Care Act's premium subsidies and guaranteed coverage. Back then, I budgeted $1,000 per month when family premiums were $500 per month simply because I expected insurance costs to go up significantly and to account for the chance MARCH 2021 EARLY RETIREMENT UPDATE WHAT WOULD YOU DO WITH ONE MILLION DOLLARS? A lot. Reduce your taxes (step 2 will do a good job cutting taxes) Give your investments time to grow. Enjoy the benefits of being wealthy. For the time being, just think all this over. If you are eager to start on the road to being wealthy, figure out one way to save more money each month. JANUARY 2021 EARLY RETIREMENT UPDATE FEBRUARY 2021 EARLY RETIREMENT UPDATE REPAIRING THINGS AROUND THE HOUSE Apparently 162 shirts isn’t an excessive load, but 162 shirts plus an 8 year old amateur trapezist is just enough to rip the closet rod’s mounting bracket in half. It’s never boring around here. And lest anyone thinks the Root of Good family lives a deprived life of barren frugality, I’ll allow the 162 shirts adorning the newly LIVING ON DIVIDENDS IN EARLY RETIREMENT The $21,000 or so of dividends in the tax deferred accounts gets reinvested automatically. The $7,767 of dividends from our taxable account covered about a third of our $23,802 living expenses in 2015, which goes to show just how important dividends can be to fund a successful early retirement. We didn’t spend our whole $32,400 early retirement budget in 2015, but our taxable dividends would HOW TO PAY FOR COLLEGE WHILE EARLY RETIRED With either choice, the total cost for college will be between $10,000 per year plus whatever we already spend on them as part of our $40,000 early retirement budget and $24,000 per year. A quick note on college cost inflation. Yes, tuition increases at a faster rate than overallCPI inflation.
QUIT LIKE A MILLIONAIRE Enjoy your winning copy of Quit Like a Millionaire! One Giveaway, shaken not stirred. Root of Good’s comments: Kristy’s story is interesting and her book Quit Like a Millionaire is a compelling read. If you’ve read much of her blog Millennial Revolution, then you’ll be familiar with her engaging writing style.ROOT OF GOOD
Welcome to Root of Good! September 11, 2013 JustinRoG Uncategorized. Hello and welcome! Feel free to look around. Here is a brief summary of what you can expect to see here: Personal Finance, Financial Independence, Investing, Having Kids without Breaking the Bank, Travel, Moneyhacks, Anything. Read more. PITFALLS AND SUBSIDIES WHILE SIGNING UP FOR AFFORDABLE While we were planning for early retirement, health insurance was the scariest unknown variable in the plan. This was in the dark ages before the Affordable Care Act's premium subsidies and guaranteed coverage. Back then, I budgeted $1,000 per month when family premiums were $500 per month simply because I expected insurance costs to go up significantly and to account for the chanceDIVIDEND INVESTING
Benefits of Dividends. In addition to being a good source of cash flow, dividends have a lot of other benefits, too. Tax free income – If you are in the 15% tax bracket or lower, all of your qualified dividend income is tax free. For US funds, virtually all of your dividends will be qualified.CREDIT CARDS
There are many new cards that give 1.5% to 2% in cash or travel rewards on all purchases, and up to 5% on some categories of spending. To sweeten the deal, most credit card issuers offer sign up bonuses of $100 to $500 paid in cash, free hotel stays, or free flights. Switching cards is a tiny inconvenience in exchange for mega bonusesand much
ROOT OF GOOD
Although we love to travel, this is a nice forced break from our normally busy summer schedule of full time travel. Financially speaking, June was a good month for us. Our net worth climbed $41,000 to end the month at $2,063,000. Income was relatively decent at $6,244 while our expenses came in well below budget at $2,311 for the entiremonth.
HOW TO PAY FOR COLLEGE WHILE EARLY RETIRED With either choice, the total cost for college will be between $10,000 per year plus whatever we already spend on them as part of our $40,000 early retirement budget and $24,000 per year. A quick note on college cost inflation. Yes, tuition increases at a faster rate than overallCPI inflation.
BLOGS/LINKS
Root of Good Recommends: Personal Capital* - It's the best FREE way to track your spending, income, and entire investment portfolio all in one place.Did I mention it's FREE? Interactive Brokers $1,000 bonus* - Get a $1,000 bonus when you transfer $100,000 to Interactive Brokers zero fee brokerage account.For transfers under $100,000 get 1% bonus on whatever you transferROOT OF GOOD
Welcome to Root of Good! September 11, 2013 JustinRoG Uncategorized. Hello and welcome! Feel free to look around. Here is a brief summary of what you can expect to see here: Personal Finance, Financial Independence, Investing, Having Kids without Breaking the Bank, Travel, Moneyhacks, Anything. Read more. HOW EARLY RETIREMENT AFFECTS SOCIAL SECURITY This week I'm jumping into the inner workings of Social Security to answer a question about the impact of early retirement on how much Social Security early retirees will qualify for. The usual question is: "Yeah but if you retire early you won't get hardly any social security and you'll be poor when you're older. You should keep working till a reasonable age like 67 so you can earn a good SHOULD YOU RETIRE EARLY IF YOU ONLY HAVE FIVE YEARS TO The average survival is 5 years from diagnoses but some people beat the odds. I think, for my age group it’s 60% chance of 5 years survival and ~35% of 10 years. “. “Continuing work as usual is not necessarily possible (I’m currently on leave as I had high dose chemo 4 months ago which takes 6 months recovery). PITFALLS AND SUBSIDIES WHILE SIGNING UP FOR AFFORDABLE While we were planning for early retirement, health insurance was the scariest unknown variable in the plan. This was in the dark ages before the Affordable Care Act's premium subsidies and guaranteed coverage. Back then, I budgeted $1,000 per month when family premiums were $500 per month simply because I expected insurance costs to go up significantly and to account for the chance DON'T FALL OFF THE AFFORDABLE CARE ACT This week I'm dipping into the mailbag to answer some questions from a reader named Don about the Affordable Care Act subsidies and the income limits to watch out for if you don't want to lose your subsidy or face an unexpected increase in health care costs. In the past, I talked about the ACA (or "Obamacare") making early retirement a lot easier where I went over two case studies.ROOT OF GOOD
We are making the most of life at home! Financially speaking, July was a great month for us. Our net worth climbed $70,000 to end the month at $2,133,000. Income was relatively decent at $5,675 while our expenses came in slightly below budget at $3,035 for the entire month.Read more.
ALL POSTS - ROOT OF GOOD Root of Good Recommends: Personal Capital* - It's the best FREE way to track your spending, income, and entire investment portfolio all in one place.Did I mention it's FREE? Interactive Brokers $1,000 bonus* - Get a $1,000 bonus when you transfer $100,000 to Interactive Brokers zero fee brokerage account.For transfers under $100,000 get 1% bonus on whatever you transfer THE EARLY RETIREE'S WEEKLY SCHEDULE The legend at the bottom of the schedule breaks out each activity into five categories: Work, Meals, Physical, Fun, and Social. On a weekly basis, I’m spending my time as follows: Work – 13 hours. Physical Activity – 18 hours. Fun – 35.5 hours. Social – 7.5 hours. I tend to spread the work out so I’m not working too hard on any MARCH 2021 EARLY RETIREMENT UPDATE JANUARY 2021 EARLY RETIREMENT UPDATE REPAIRING THINGS AROUND THE HOUSE Apparently 162 shirts isn’t an excessive load, but 162 shirts plus an 8 year old amateur trapezist is just enough to rip the closet rod’s mounting bracket in half. It’s never boring around here. And lest anyone thinks the Root of Good family lives a deprived life of barren frugality, I’ll allow the 162 shirts adorning the newly LIVING ON DIVIDENDS IN EARLY RETIREMENT The $21,000 or so of dividends in the tax deferred accounts gets reinvested automatically. The $7,767 of dividends from our taxable account covered about a third of our $23,802 living expenses in 2015, which goes to show just how important dividends can be to fund a successful early retirement. We didn’t spend our whole $32,400 early retirement budget in 2015, but our taxable dividends would OUR EARLY RETIREMENT DIDN'T GO AS PLANNED... OUR NET WORTH In contrast to early retirement modeling that looks for all the worst cases and failure modes, our actual life the past almost four years illustrates that good things can offset the bad events in life. Financial planning for early retirement is pretty straightforward. Figure out how much you plan on spending in early retirement then save up till you have between 25 and 33 times your annualROOT OF GOOD
Welcome to Root of Good! September 11, 2013 JustinRoG Uncategorized. Hello and welcome! Feel free to look around. Here is a brief summary of what you can expect to see here: Personal Finance, Financial Independence, Investing, Having Kids without Breaking the Bank, Travel, Moneyhacks, Anything. Read more. LIVING A $100,000 LIFESTYLE ON $40,000 PER YEAR However if we gross up our $40,000 per year budget to account for things we don’t pay for, it’s easy to see how we’re living a $100,000 per year lifestyle only minor sacrifices: +$20,000 mortgage payment. +$5,000 new car payments. +$10,000 extra tax bill.ROOT OF GOOD
We are making the most of life at home! Financially speaking, July was a great month for us. Our net worth climbed $70,000 to end the month at $2,133,000. Income was relatively decent at $5,675 while our expenses came in slightly below budget at $3,035 for the entire month.Read more.
ALL POSTS - ROOT OF GOOD Root of Good Recommends: Personal Capital* - It's the best FREE way to track your spending, income, and entire investment portfolio all in one place.Did I mention it's FREE? Interactive Brokers $1,000 bonus* - Get a $1,000 bonus when you transfer $100,000 to Interactive Brokers zero fee brokerage account.For transfers under $100,000 get 1% bonus on whatever you transfer THE EARLY RETIREE'S WEEKLY SCHEDULE The legend at the bottom of the schedule breaks out each activity into five categories: Work, Meals, Physical, Fun, and Social. On a weekly basis, I’m spending my time as follows: Work – 13 hours. Physical Activity – 18 hours. Fun – 35.5 hours. Social – 7.5 hours. I tend to spread the work out so I’m not working too hard on any MARCH 2021 EARLY RETIREMENT UPDATE JANUARY 2021 EARLY RETIREMENT UPDATE REPAIRING THINGS AROUND THE HOUSE Apparently 162 shirts isn’t an excessive load, but 162 shirts plus an 8 year old amateur trapezist is just enough to rip the closet rod’s mounting bracket in half. It’s never boring around here. And lest anyone thinks the Root of Good family lives a deprived life of barren frugality, I’ll allow the 162 shirts adorning the newly LIVING ON DIVIDENDS IN EARLY RETIREMENT The $21,000 or so of dividends in the tax deferred accounts gets reinvested automatically. The $7,767 of dividends from our taxable account covered about a third of our $23,802 living expenses in 2015, which goes to show just how important dividends can be to fund a successful early retirement. We didn’t spend our whole $32,400 early retirement budget in 2015, but our taxable dividends would OUR EARLY RETIREMENT DIDN'T GO AS PLANNED... OUR NET WORTH In contrast to early retirement modeling that looks for all the worst cases and failure modes, our actual life the past almost four years illustrates that good things can offset the bad events in life. Financial planning for early retirement is pretty straightforward. Figure out how much you plan on spending in early retirement then save up till you have between 25 and 33 times your annualROOT OF GOOD
Welcome to Root of Good! September 11, 2013 JustinRoG Uncategorized. Hello and welcome! Feel free to look around. Here is a brief summary of what you can expect to see here: Personal Finance, Financial Independence, Investing, Having Kids without Breaking the Bank, Travel, Moneyhacks, Anything. Read more. LIVING A $100,000 LIFESTYLE ON $40,000 PER YEAR However if we gross up our $40,000 per year budget to account for things we don’t pay for, it’s easy to see how we’re living a $100,000 per year lifestyle only minor sacrifices: +$20,000 mortgage payment. +$5,000 new car payments. +$10,000 extra tax bill.CREDIT CARDS
There are many new cards that give 1.5% to 2% in cash or travel rewards on all purchases, and up to 5% on some categories of spending. To sweeten the deal, most credit card issuers offer sign up bonuses of $100 to $500 paid in cash, free hotel stays, or free flights. Switching cards is a tiny inconvenience in exchange for mega bonusesand much
WHAT WOULD YOU DO WITH ONE MILLION DOLLARS? A lot. Reduce your taxes (step 2 will do a good job cutting taxes) Give your investments time to grow. Enjoy the benefits of being wealthy. For the time being, just think all this over. If you are eager to start on the road to being wealthy, figure out one way to save more money each month.ROOT OF GOOD
Although we love to travel, this is a nice forced break from our normally busy summer schedule of full time travel. Financially speaking, June was a good month for us. Our net worth climbed $41,000 to end the month at $2,063,000. Income was relatively decent at $6,244 while our expenses came in well below budget at $2,311 for the entiremonth.
BLOGS/LINKS
Root of Good Recommends: Personal Capital* - It's the best FREE way to track your spending, income, and entire investment portfolio all in one place.Did I mention it's FREE? Interactive Brokers $1,000 bonus* - Get a $1,000 bonus when you transfer $100,000 to Interactive Brokers zero fee brokerage account.For transfers under $100,000 get 1% bonus on whatever you transfer HOW TO PAY FOR COLLEGE WHILE EARLY RETIRED With either choice, the total cost for college will be between $10,000 per year plus whatever we already spend on them as part of our $40,000 early retirement budget and $24,000 per year. A quick note on college cost inflation. Yes, tuition increases at a faster rate than overallCPI inflation.
ZERO TO MILLIONAIRE IN TEN YEARS Root of Good Recommends: Personal Capital* - It's the best FREE way to track your spending, income, and entire investment portfolio all in one place.Did I mention it's FREE? Interactive Brokers $1,000 bonus* - Get a $1,000 bonus when you transfer $100,000 to Interactive Brokers zero fee brokerage account.For transfers under $100,000 get 1% bonus on whatever you transfer QUIT LIKE A MILLIONAIRE Enjoy your winning copy of Quit Like a Millionaire! One Giveaway, shaken not stirred. Root of Good’s comments: Kristy’s story is interesting and her book Quit Like a Millionaire is a compelling read. If you’ve read much of her blog Millennial Revolution, then you’llbe
EARLY RETIREMENT AT 33: AN OVERVIEW Early Retirement at 33: An Overview. One of the most popular page at Root of Good is the “ I Retired at 33! ” page where I introduce myself and talk a little about Root of Good. I assume that means people are interested in the story of how I retired at 33 . In this post, I’ll give a quick summary of how I managed to pull offretirement at
ROOT OF GOOD
Retired in 2013 at age 33. Life is Good. I decided to take the plunge into the world of all-in-one personal finance and investing software. DON'T FALL OFF THE AFFORDABLE CARE ACT This week I'm dipping into the mailbag to answer some questions from a reader named Don about the Affordable Care Act subsidies and the income limits to watch out for if you don't want to lose your subsidy or face an unexpected increase in health care costs. In the past, I talked about the ACA (or "Obamacare") making early retirement a lot easier where I went over two case studies.ROOT OF GOOD
We are making the most of life at home! Financially speaking, July was a great month for us. Our net worth climbed $70,000 to end the month at $2,133,000. Income was relatively decent at $5,675 while our expenses came in slightly below budget at $3,035 for the entire month.Read more.
ALL POSTS - ROOT OF GOOD Root of Good Recommends: Personal Capital* - It's the best FREE way to track your spending, income, and entire investment portfolio all in one place.Did I mention it's FREE? Interactive Brokers $1,000 bonus* - Get a $1,000 bonus when you transfer $100,000 to Interactive Brokers zero fee brokerage account.For transfers under $100,000 get 1% bonus on whatever you transfer THE EARLY RETIREE'S WEEKLY SCHEDULE The legend at the bottom of the schedule breaks out each activity into five categories: Work, Meals, Physical, Fun, and Social. On a weekly basis, I’m spending my time as follows: Work – 13 hours. Physical Activity – 18 hours. Fun – 35.5 hours. Social – 7.5 hours. I tend to spread the work out so I’m not working too hard on any LIVING ON DIVIDENDS IN EARLY RETIREMENT The $21,000 or so of dividends in the tax deferred accounts gets reinvested automatically. The $7,767 of dividends from our taxable account covered about a third of our $23,802 living expenses in 2015, which goes to show just how important dividends can be to fund a successful early retirement. We didn’t spend our whole $32,400 early retirement budget in 2015, but our taxable dividends would HOW TO PAY FOR COLLEGE WHILE EARLY RETIRED With either choice, the total cost for college will be between $10,000 per year plus whatever we already spend on them as part of our $40,000 early retirement budget and $24,000 per year. A quick note on college cost inflation. Yes, tuition increases at a faster rate than overallCPI inflation.
OUR EARLY RETIREMENT DIDN'T GO AS PLANNED... OUR NET WORTHRETIREMENT NET WORTHRETIREMENT NET WORTH BY AGEAVERAGE RETIREMENT NET WORTHJOHNEARLY NET WORTH
In contrast to early retirement modeling that looks for all the worst cases and failure modes, our actual life the past almost four years illustrates that good things can offset the bad events in life. Financial planning for early retirement is pretty straightforward. Figure out how much you plan on spending in early retirement then save up till you have between 25 and 33 times your annual QUIT LIKE A MILLIONAIRE Enjoy your winning copy of Quit Like a Millionaire! One Giveaway, shaken not stirred. Root of Good’s comments: Kristy’s story is interesting and her book Quit Like a Millionaire is a compelling read. If you’ve read much of her blog Millennial Revolution, then you’ll be familiar with her engaging writing style. LIVING A $100,000 LIFESTYLE ON $40,000 PER YEAR However if we gross up our $40,000 per year budget to account for things we don’t pay for, it’s easy to see how we’re living a $100,000 per year lifestyle only minor sacrifices: +$20,000 mortgage payment. +$5,000 new car payments. +$10,000 extra tax bill. DON'T FALL OFF THE AFFORDABLE CARE ACT This week I'm dipping into the mailbag to answer some questions from a reader named Don about the Affordable Care Act subsidies and the income limits to watch out for if you don't want to lose your subsidy or face an unexpected increase in health care costs. In the past, I talked about the ACA (or "Obamacare") making early retirement a lot easier where I went over two case studies. PITFALLS AND SUBSIDIES WHILE SIGNING UP FOR AFFORDABLE While we were planning for early retirement, health insurance was the scariest unknown variable in the plan. This was in the dark ages before the Affordable Care Act's premium subsidies and guaranteed coverage. Back then, I budgeted $1,000 per month when family premiums were $500 per month simply because I expected insurance costs to go up significantly and to account for the chanceROOT OF GOOD
We are making the most of life at home! Financially speaking, July was a great month for us. Our net worth climbed $70,000 to end the month at $2,133,000. Income was relatively decent at $5,675 while our expenses came in slightly below budget at $3,035 for the entire month.Read more.
ALL POSTS - ROOT OF GOOD Root of Good Recommends: Personal Capital* - It's the best FREE way to track your spending, income, and entire investment portfolio all in one place.Did I mention it's FREE? Interactive Brokers $1,000 bonus* - Get a $1,000 bonus when you transfer $100,000 to Interactive Brokers zero fee brokerage account.For transfers under $100,000 get 1% bonus on whatever you transfer THE EARLY RETIREE'S WEEKLY SCHEDULE The legend at the bottom of the schedule breaks out each activity into five categories: Work, Meals, Physical, Fun, and Social. On a weekly basis, I’m spending my time as follows: Work – 13 hours. Physical Activity – 18 hours. Fun – 35.5 hours. Social – 7.5 hours. I tend to spread the work out so I’m not working too hard on any LIVING ON DIVIDENDS IN EARLY RETIREMENT The $21,000 or so of dividends in the tax deferred accounts gets reinvested automatically. The $7,767 of dividends from our taxable account covered about a third of our $23,802 living expenses in 2015, which goes to show just how important dividends can be to fund a successful early retirement. We didn’t spend our whole $32,400 early retirement budget in 2015, but our taxable dividends would HOW TO PAY FOR COLLEGE WHILE EARLY RETIRED With either choice, the total cost for college will be between $10,000 per year plus whatever we already spend on them as part of our $40,000 early retirement budget and $24,000 per year. A quick note on college cost inflation. Yes, tuition increases at a faster rate than overallCPI inflation.
OUR EARLY RETIREMENT DIDN'T GO AS PLANNED... OUR NET WORTHRETIREMENT NET WORTHRETIREMENT NET WORTH BY AGEAVERAGE RETIREMENT NET WORTHJOHNEARLY NET WORTH
In contrast to early retirement modeling that looks for all the worst cases and failure modes, our actual life the past almost four years illustrates that good things can offset the bad events in life. Financial planning for early retirement is pretty straightforward. Figure out how much you plan on spending in early retirement then save up till you have between 25 and 33 times your annual QUIT LIKE A MILLIONAIRE Enjoy your winning copy of Quit Like a Millionaire! One Giveaway, shaken not stirred. Root of Good’s comments: Kristy’s story is interesting and her book Quit Like a Millionaire is a compelling read. If you’ve read much of her blog Millennial Revolution, then you’ll be familiar with her engaging writing style. LIVING A $100,000 LIFESTYLE ON $40,000 PER YEAR However if we gross up our $40,000 per year budget to account for things we don’t pay for, it’s easy to see how we’re living a $100,000 per year lifestyle only minor sacrifices: +$20,000 mortgage payment. +$5,000 new car payments. +$10,000 extra tax bill. DON'T FALL OFF THE AFFORDABLE CARE ACT This week I'm dipping into the mailbag to answer some questions from a reader named Don about the Affordable Care Act subsidies and the income limits to watch out for if you don't want to lose your subsidy or face an unexpected increase in health care costs. In the past, I talked about the ACA (or "Obamacare") making early retirement a lot easier where I went over two case studies. PITFALLS AND SUBSIDIES WHILE SIGNING UP FOR AFFORDABLE While we were planning for early retirement, health insurance was the scariest unknown variable in the plan. This was in the dark ages before the Affordable Care Act's premium subsidies and guaranteed coverage. Back then, I budgeted $1,000 per month when family premiums were $500 per month simply because I expected insurance costs to go up significantly and to account for the chance HOW TO PAY FOR COLLEGE WHILE EARLY RETIRED One of the top questions I'm asked when people see "retired at 33 with 3 kids" is "yeah, but what about college?". The truth is I never really gave it a lot of thought because the total cost is well into the future (though closing in fast for our oldest kid) and not huge relative to our total net worth. I had a very vague goal of being able to cover the tuition and fees for four years of in WHAT WOULD YOU DO WITH ONE MILLION DOLLARS? A lot. Reduce your taxes (step 2 will do a good job cutting taxes) Give your investments time to grow. Enjoy the benefits of being wealthy. For the time being, just think all this over. If you are eager to start on the road to being wealthy, figure out one way to save more money each month. WHY WE CHOSE THE WORST SCHOOL IN THE DISTRICT In my last article asking whether we should conceal our wealth, I mentioned the high poverty school that our children attend. We had a choice of many different elementary schools, and decided to go with the objectively worst school available based on traditional measures like test scores, percent of students in poverty, percent of students with limited English proficiency, and other WELCOME TO ROOT OF GOOD! Root of Good Recommends: Personal Capital* - It's the best FREE way to track your spending, income, and entire investment portfolio all in one place.Did I mention it's FREE? Interactive Brokers $1,000 bonus* - Get a $1,000 bonus when you transfer $100,000 to Interactive Brokers zero fee brokerage account.For transfers under $100,000 get 1% bonus on whatever you transfer DOING NOTHING IS OKAY Closing Thoughts. Finding the sweet balance between productivity and leisure is an individual choice. It makes no sense to compare yourself to others and feel bad for doing nothing. Do what you enjoy and what makes your life fulfilling and don’t use the accomplishments of other people as a measuring stick. REPAIRING THINGS AROUND THE HOUSE Apparently 162 shirts isn’t an excessive load, but 162 shirts plus an 8 year old amateur trapezist is just enough to rip the closet rod’s mounting bracket in half. It’s never boring around here. And lest anyone thinks the Root of Good family lives a deprived life of barren frugality, I’ll allow the 162 shirts adorning the newly CONFESSIONS OF A FRUGAL MILLIONAIRE Confessions Of A Frugal Millionaire. Unless you are an heir to a big fortune or you have won the lottery, you have to work hard to have money. To accumulate wealth, you have to make more money than you spend. The key is to keep your expenses low. And there will besacrifices.
ZERO TO MILLIONAIRE IN TEN YEARS Root of Good Recommends: Personal Capital* - It's the best FREE way to track your spending, income, and entire investment portfolio all in one place.Did I mention it's FREE? Interactive Brokers $1,000 bonus* - Get a $1,000 bonus when you transfer $100,000 to Interactive Brokers zero fee brokerage account.For transfers under $100,000 get 1% bonus on whatever you transfer SHOULD YOU RETIRE EARLY IF YOU ONLY HAVE FIVE YEARS TO The average survival is 5 years from diagnoses but some people beat the odds. I think, for my age group it’s 60% chance of 5 years survival and ~35% of 10 years. “. “Continuing work as usual is not necessarily possible (I’m currently on leave as I had high dose chemo 4 months ago which takes 6 months recovery).ROOT OF GOOD
Be Your Own Insurance Company. October 26, 2013 JustinRoG Lifestyle, Parenting, Personal Finance. Understand Risk This past weekend was a very busy one at the Root of Good household. We were hosting play dates, lunches, and dinners for a few friends at our house throughoutthe weekend. Add.
ROOT OF GOOD
Retired in 2013 at age 33. Life is Good. ALL POSTS - ROOT OF GOOD Root of Good Recommends: Personal Capital* - It's the best FREE way to track your spending, income, and entire investment portfolio all in one place.Did I mention it's FREE? Interactive Brokers $1,000 bonus* - Get a $1,000 bonus when you transfer $100,000 to Interactive Brokers zero fee brokerage account.For transfers under $100,000 get 1% bonus on whatever you transfer THE EARLY RETIREE'S WEEKLY SCHEDULE Root of Good Recommends: Personal Capital* - It's the best FREE way to track your spending, income, and entire investment portfolio all in one place.Did I mention it's FREE? Interactive Brokers $1,000 bonus* - Get a $1,000 bonus when you transfer $100,000 to Interactive Brokers zero fee brokerage account.For transfers under $100,000 get 1% bonus on whatever you transferBLOGS/LINKS
Root of Good Recommends: Personal Capital* - It's the best FREE way to track your spending, income, and entire investment portfolio all in one place.Did I mention it's FREE? Interactive Brokers $1,000 bonus* - Get a $1,000 bonus when you transfer $100,000 to Interactive Brokers zero fee brokerage account.For transfers under $100,000 get 1% bonus on whatever you transfer LIVING ON DIVIDENDS IN EARLY RETIREMENT The $21,000 or so of dividends in the tax deferred accounts gets reinvested automatically. The $7,767 of dividends from our taxable account covered about a third of our $23,802 living expenses in 2015, which goes to show just how important dividends can be to fund a successful early retirement. We didn’t spend our whole $32,400 early retirement budget in 2015, but our taxable dividends would QUIT LIKE A MILLIONAIRE Root of Good’s comments: Kristy’s story is interesting and her book Quit Like a Millionaire is a compelling read. If you’ve read much of her blog Millennial Revolution, then you’ll be familiar with her engaging writing style.Her voice carries over to the book as well. HOW TO PAY FOR COLLEGE WHILE EARLY RETIRED One of the top questions I'm asked when people see "retired at 33 with 3 kids" is "yeah, but what about college?". The truth is I never really gave it a lot of thought because the total cost is well into the future (though closing in fast for our oldest kid) and not huge relative to our total net worth. I had a very vague goal of being able to cover the tuition and fees for four years of in LIVING A $100,000 LIFESTYLE ON $40,000 PER YEAR "Oh you live on $40,000 per year? Guess you like camping in the van underneath the highway bridge huh? Still enjoying those rice and beans? Three kids cost $40,000 per year right off the bat so it's clearly impossible!". This complainer clearly doesn't know how we spend money. Living well on $40,000 per year is possible and I'm here to explain exactly how by going over all of our expenses DON'T FALL OFF THE AFFORDABLE CARE ACT This week I'm dipping into the mailbag to answer some questions from a reader named Don about the Affordable Care Act subsidies and the income limits to watch out for if you don't want to lose your subsidy or face an unexpected increase in health care costs. In the past, I talked about the ACA (or "Obamacare") making early retirement a lot easier where I went over two case studies. PITFALLS AND SUBSIDIES WHILE SIGNING UP FOR AFFORDABLE While we were planning for early retirement, health insurance was the scariest unknown variable in the plan. This was in the dark ages before the Affordable Care Act's premium subsidies and guaranteed coverage. Back then, I budgeted $1,000 per month when family premiums were $500 per month simply because I expected insurance costs to go up significantly and to account for the chanceROOT OF GOOD
Retired in 2013 at age 33. Life is Good. ALL POSTS - ROOT OF GOOD Root of Good Recommends: Personal Capital* - It's the best FREE way to track your spending, income, and entire investment portfolio all in one place.Did I mention it's FREE? Interactive Brokers $1,000 bonus* - Get a $1,000 bonus when you transfer $100,000 to Interactive Brokers zero fee brokerage account.For transfers under $100,000 get 1% bonus on whatever you transfer THE EARLY RETIREE'S WEEKLY SCHEDULE Root of Good Recommends: Personal Capital* - It's the best FREE way to track your spending, income, and entire investment portfolio all in one place.Did I mention it's FREE? Interactive Brokers $1,000 bonus* - Get a $1,000 bonus when you transfer $100,000 to Interactive Brokers zero fee brokerage account.For transfers under $100,000 get 1% bonus on whatever you transferBLOGS/LINKS
Root of Good Recommends: Personal Capital* - It's the best FREE way to track your spending, income, and entire investment portfolio all in one place.Did I mention it's FREE? Interactive Brokers $1,000 bonus* - Get a $1,000 bonus when you transfer $100,000 to Interactive Brokers zero fee brokerage account.For transfers under $100,000 get 1% bonus on whatever you transfer LIVING ON DIVIDENDS IN EARLY RETIREMENT The $21,000 or so of dividends in the tax deferred accounts gets reinvested automatically. The $7,767 of dividends from our taxable account covered about a third of our $23,802 living expenses in 2015, which goes to show just how important dividends can be to fund a successful early retirement. We didn’t spend our whole $32,400 early retirement budget in 2015, but our taxable dividends would QUIT LIKE A MILLIONAIRE Root of Good’s comments: Kristy’s story is interesting and her book Quit Like a Millionaire is a compelling read. If you’ve read much of her blog Millennial Revolution, then you’ll be familiar with her engaging writing style.Her voice carries over to the book as well. HOW TO PAY FOR COLLEGE WHILE EARLY RETIRED One of the top questions I'm asked when people see "retired at 33 with 3 kids" is "yeah, but what about college?". The truth is I never really gave it a lot of thought because the total cost is well into the future (though closing in fast for our oldest kid) and not huge relative to our total net worth. I had a very vague goal of being able to cover the tuition and fees for four years of in LIVING A $100,000 LIFESTYLE ON $40,000 PER YEAR "Oh you live on $40,000 per year? Guess you like camping in the van underneath the highway bridge huh? Still enjoying those rice and beans? Three kids cost $40,000 per year right off the bat so it's clearly impossible!". This complainer clearly doesn't know how we spend money. Living well on $40,000 per year is possible and I'm here to explain exactly how by going over all of our expenses DON'T FALL OFF THE AFFORDABLE CARE ACT This week I'm dipping into the mailbag to answer some questions from a reader named Don about the Affordable Care Act subsidies and the income limits to watch out for if you don't want to lose your subsidy or face an unexpected increase in health care costs. In the past, I talked about the ACA (or "Obamacare") making early retirement a lot easier where I went over two case studies. PITFALLS AND SUBSIDIES WHILE SIGNING UP FOR AFFORDABLE While we were planning for early retirement, health insurance was the scariest unknown variable in the plan. This was in the dark ages before the Affordable Care Act's premium subsidies and guaranteed coverage. Back then, I budgeted $1,000 per month when family premiums were $500 per month simply because I expected insurance costs to go up significantly and to account for the chance WHAT WOULD YOU DO WITH ONE MILLION DOLLARS? Root of Good Recommends: Personal Capital* - It's the best FREE way to track your spending, income, and entire investment portfolio all in one place.Did I mention it's FREE? Interactive Brokers $1,000 bonus* - Get a $1,000 bonus when you transfer $100,000 to Interactive Brokers zero fee brokerage account.For transfers under $100,000 get 1% bonus on whatever you transfer REPAIRING THINGS AROUND THE HOUSE to return it. I wish that were the end of January’s “fixing broken stuff” saga. But it isn’t. Mr. RoG Jr. apparently put the laptop mouse inside the laptop between the keyboard and the screen and then proceeded to jump on the cover over and over until he bludgeoned the LCD panel into an artistically interesting but mostly useless mess. JANUARY 2021 EARLY RETIREMENT UPDATE Y'all still having fun out there? At this point of the year we are officially more than half way through winter. Spring is just around the corner! Here in North Carolina, January was more wet than cold for us. Although we did get a light dusting of snow that lasted for a few hours. I know my readers from the northern states laugh at our snow, but hey, it's all we got. When it wasn't wet and CONFESSIONS OF A FRUGAL MILLIONAIRE Unless you are an heir to a big fortune or you have won the lottery, you have to work hard to have money. To accumulate wealth, you have to make more money than you spend. The key is to keep your expenses low. And there will be sacrifices. Nothing crazy though. At the Root of Good household, our clothes are not from the mall, we don’t dine out at Ruth’s Chris, or deck out our split level ZERO TO MILLIONAIRE IN TEN YEARS Root of Good Recommends: Personal Capital* - It's the best FREE way to track your spending, income, and entire investment portfolio all in one place.Did I mention it's FREE? Interactive Brokers $1,000 bonus* - Get a $1,000 bonus when you transfer $100,000 to Interactive Brokers zero fee brokerage account.For transfers under $100,000 get 1% bonus on whatever you transfer HOW TO PAY FOR COLLEGE WHILE EARLY RETIRED One of the top questions I'm asked when people see "retired at 33 with 3 kids" is "yeah, but what about college?". The truth is I never really gave it a lot of thought because the total cost is well into the future (though closing in fast for our oldest kid) and not huge relative to our total net worth. I had a very vague goal of being able to cover the tuition and fees for four years of in WHY WE CHOSE THE WORST SCHOOL IN THE DISTRICT In my last article asking whether we should conceal our wealth, I mentioned the high poverty school that our children attend. We had a choice of many different elementary schools, and decided to go with the objectively worst school available based on traditional measures like test scores, percent of students in poverty, percent of students with limited English proficiency, and other DOING NOTHING IS OKAY Do you need to be productive in retirement? Or is it okay to screw around all day and live a life of leisure? Or does the secret to retirement success lie somewhere in between the two extremes of productivity and leisure? There is no right answer to the question of how busy you must be in retirement to be fulfilled and content. It depends on what drives you and makes you happy.ROOT OF GOOD
Retired in 2013 at age 33. Life is Good. Halloween is over (booo!) and Thanksgiving is around the corner. Looks like we will be hosting a big Thanksgiving dinner for Mrs. RootofGood’s side of the family againthis year.
SHOULD YOU RETIRE EARLY IF YOU ONLY HAVE FIVE YEARS TO Every week I receive a handful of questions from Root of Good readers and I try to answer them all, even if it's a brief response. Last week was no different. The inquiry I received from "Eric" caught my eye immediately as I scanned through my emails. Subject: "Scared". One word, vague, non-specific. Hmmm - might be spam? As it turns out itwasn't spam at all.
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AUGUST 2019 FINANCIAL UPDATE – BACK TO SCHOOL EDITIONSeptember 16, 2019
JustinRoG FinancialIndependence
, Lifestyle
, Moneyhacks
, Personal Finance
, Travel
Here we are days away from the official start of fall. We are fully recovered from our eight week vacation in Vietnam, Cambodia, and Thailand. After we landed in Raleigh, we were immediately busy with back to school shopping for supplies and clothes and several rounds of school orientations now that each of our kids attend a different school. Throw a teenager’s birthday party/sleepover into the mix and it made for a very busy August. Now that the kids are back in school, the adults of the Root of Good household get to take a breather. Our daily schedule shifts from the summertime routine of waking up, touring temples and palaces, and gorging on street food to the school year routine of waking up, walking one kid to school, then returning home to sip coffee for aslong as we want.
Financially, last month was a mixed bag. Our net worth dropped by $34,000 to end the month at $2,078,000. Income was better than average at $3,968 while expenses remained modest at $1,995 for the month of August. Any month where income greatly exceeds expenses is a win as far as I’m concerned. Small fluctuations in the stock market don’t mean anything in terms of long term financial success for earlyretirement.
Read more
VIETNAM: FROM SAIGON HIGH RISES TO THE MEKONG DELTASeptember 4, 2019
JustinRoG
Lifestyle
, Travel
What do you do when you save a bunch of money and retire at 33? Spend months at a time traveling the world of course! This summer we spent eight weeks exploring the temples, palaces, and waterways of Vietnam, Cambodia, and Thailand in Southeast Asia. In today’s article, we cover the first segment of the trip where we visited two cities in Vietnam. After a looooong flight from the East Coast of the USA, we landed in Ho Chi Minh City, also known as Saigon, where we stayed for eight nights. Then we visited Can Tho, Vietnam in the Mekong River Delta region for a three night stay. After leaving the Mekong Delta, we headed to Phnom Penh, Cambodia (with a short one night pit stop in Ho Chi Minh City en route).Read more
JULY 2019 FINANCIAL UPDATE – EXPLORING CAMBODIA AND THAILAND EDITIONAugust 19, 2019
JustinRoG Awesome!
, Financial Independence, Personal
Finance , Travel
The Root of Good family just got back to the US after an eight week adventure in Southeast Asia. We spent the month of July split between Cambodia and Thailand. Now that we’re rested up and mostly recovered from the jet lag, I wanted to take a break from life and share our July financials before we get busy with all the back to school activities coming up soon. Our net worth dropped ever so slightly from $2,114,000 to $2,112,000 (a $2,000 drop). Income remained strong at $2,777 for the month of July, while our expenses remained moderate at $1,961.Read more
JUNE 2019 FINANCIAL UPDATE – EXPLORING VIETNAM EDITIONJuly 11, 2019
JustinRoG FinancialIndependence
, Personal
Finance , Travel
June was an incredibly busy month for the Root of Good family. We spent the first half of the month at home in Raleigh wrapping up the school year for the kids. Then we relaxed for a few days before packing our bags for our big eight week summer vacation in SoutheastAsia.
We spent the second half of June in Vietnam where we visited Ho Chi Minh City (Saigon) and Can Tho, a smaller city in the Mekong Delta region. I’ll have a more in depth update of that part of our trip in a future post, but read on to get a glimpse into the trip so far. While we were hitting the road and discovering new parts of the world, our finances did a great job of taking care of themselves. June was a huge success financially. Our net worth climbed $92,000 to reach $2,114,000. Our income was strong at $8,412 for the month while our expenses totaled $4,343.Read more
QUIT LIKE A MILLIONAIREJuly 9, 2019
JustinRoG FinancialIndependence
, Personal
Finance , Travel
Today we have a guest post from Kristy from the blog MillennialRevolution.
“Anyone can become FI with a 6-figure salary!” “Financially independent?! If you’re not American and privileged,forget it!”
“Try to become FI if you are living on $30K a year while raising afamily! HA!”
These are some of the biggest criticisms of the FIRE movement. Apparently, we’re all a bunch of rich assholes and there’s no way you can become financially independent if you weren’t born withprivilege.
I get it. Seeing other people succeed is excruciating when you’re struggling. It’s easier to dismiss their accomplishments so you can feel better. I was there. I used to be a hater too.Read more
MAY 2019 FINANCIAL UPDATE – LAZY MAY DAZE EDITIONJune 10, 2019
JustinRoG FinancialIndependence
, Lifestyle
, Personal Finance
May was another successful month of early retirement. We took it easy and enjoyed a relatively slow month of leisure with family and friends. I spent a few days being a “real” blogger and influencer by attending Camp FI in Virginia where I gave a presentation titled “FIRE for Fun!”. That makes me a real blogger, right? Our finances were a mixed bag in May. Our net worth dropped precipitously by $87,000 to end the month at $2,022,000. Fortunately our cash flow situation was much better. Income remained decent at $3,438 while our expenses dropped significantly to only $752 for the month of May. When income exceeds outflow, you can’t worry aboutfinances too much!
Read more
APRIL 2019 FINANCIAL UPDATE – CUBA CRUISE EDITIONMay 10, 2019
JustinRoG FinancialIndependence
, Lifestyle
, Personal Finance
Time flies when you’re having fun! We’re almost half way through May and I’m just now updating our April financial snapshot. We have been vacationing, volunteering, and enjoying the wonderful springtime weather. What can I say? I’m retired and don’t always have time tofocus on this blog!
We had a great financial month during April. Our net worth climbed $47,000 to $2,109,000 thanks to great stock market returns. Our income for the month remained strong at $4,794 while our expenses were ratherlow at $1,591.
Here is a more detailed look at our April finances along with some pictures to show what the life of an early retiree looks like.Read more
MARCH 2019 FINANCIAL UPDATE – SPRINGTIME POLLEN EDITIONApril 9, 2019
JustinRoG FinancialIndependence
, Lifestyle
, Personal Finance
Spring is definitely here in Raleigh. Warm afternoon temperatures bring us outside while green clouds of pollen filling the air push us back inside. And everything is in bloom! We had a busy March as you’ll see in this article. April will be no different. We are just a few days away from departing for our one week cruise to Jamaica, Mexico, and Cuba. When we return, the last week of April will be filled with volunteering at our kid’s school all week and a big birthday party to close out the month. Our March financials look great. Net worth climbed $13,000 to $2,062,000. Our spending remained low at $2,299 while our income continued to be strong at $4,553. We just wrapped up another month where income greatly exceeded spending.Read more
CONFESSIONS OF A FRUGAL MILLIONAIREApril 1, 2019
JustinRoG Awesome!
, Parenting
, Personal Finance
Unless you are an heir to a big fortune or you have won the lottery, you have to work hard to have money. To accumulate wealth, you have to make more money than you spend. The key is to keep your expenses low. And there will be sacrifices. Nothing crazy though. At the Root of Good household, our clothes are not from the mall, we don’t dine out at Ruth’s Chris, or deck out our split level home with the latest from Pottery Barn or Williams Sonoma. We choose not to quench our thirst with Dom Perignon or Dasani. Yes, we have made sacrifices. At first we balked at some of these sacrifices, but we gave them a try. You never know until you try right? We have decreased our expenses by carrying our lunches in disposable plastic grocery bags (which also make great suitcases). We refill disposable water bottles and reuse disposable straws and plasticutensils.
Read more
MEXICO CITY: NOT JUST TACOS AND TEQUILAMarch 21, 2019
JustinRoG Lifestyle, Travel
To celebrate our fifteenth wedding anniversary, we visited Mexico City for an 11 day vacation (without kids!). We have visited the city several times before, so we didn’t plan on hitting the tourist trail too hard while in the city. On most days we spent a few hours sightseeing and many more hours relaxing, dining, and indulging in other forms of laziness. Some days were more successfully lazy than others, but overall we took iteasy.
While in the city, we visited the museums and colonial buildings in the historic center of town, toured a half dozen districts on the edge of town, and took a day trip to the pyramids at Teotihuacan.Read more
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