Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

• Root Talks: How to Get Past the Fear of Retiring Even When You Have Enough

  You've run the numbers. You have enough saved. Your spreadsheet says you can retire comfortably. So why can't you pull the trigger and leave your high-stress, high-paying job behind?This struggle represents one of retirement planning's most challenging psychological hurdles. After spending decades accumulating wealth and building a career identity, many successful professionals find themselves paralyzed when the time comes to actually step away—even when financially prepared to do so.Our conversation explores this common predicament through the lens of a Root Collective member who knows they're financially ready but can't seem to make the leap. We dive into how our brains process major life transitions, why we tend to see future versions of ourselves as different people, and how this affects our decision-making. Just as starting preschool, college, or a new job feels intimidating, retirement represents a significant unknown that naturally triggers hesitation.The discussion moves beyond simple financial calculations to examine what we're really sacrificing by postponing retirement. While the opportunity cost of leaving unvested compensation on the table is obvious, the opportunity cost of continuing in a high-stress position—measured in health, time, relationships, and experiences—remains harder to quantify but potentially more valuable. We share perspectives from community members who've successfully made this transition, including practical advice on how to structure your finances and mindset for a fulfilling post-career life.Connect with our Root Collective community to learn from others navigating similar transitions and discover resources to help make your own retirement decision with confidence. What would your 85-year-old self advise you to do today?Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

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• How Much Should I Have In Bonds/Cash/etc. In Retirement?

  We explore how much safe money you should maintain throughout retirement for financial security and peace of mind without sacrificing long-term growth potential. Instead of using cookie-cutter rules, we break down a personalized approach to balancing safety and growth in your retirement portfolio.• Start with your annual spending needs to calculate your safe money base• A good starting point is having 5 years of living expenses in safe assets• Your safe money requirements should decrease as guaranteed income sources (Social Security, pensions) begin• The 60/40 portfolio rule doesn't work for everyone - your allocation should reflect your specific situation• As your portfolio grows, the percentage allocated to safe money typically decreases• Too much safe money risks losing purchasing power to inflation over time• Consider your emotional "sleep number" - how much safe money you need to feel secure• Factor in upcoming expenses like healthcare, travel, and home renovations• Cookie-cutter planning fails because everyone's situation is unique and dynamicSubmit your financial questions at earlyretirementpodcast.com for a chance to have them answered in a future episode.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

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• My Biggest Recommendation Before You Retire - Please Do This

  Dreaming big and being intentional about planning for retirement can be the difference between merely surviving and truly thriving in your post-work years. • Retire TO something, not just FROM something • Test-drive your retirement dreams before committing fully, like renting in a new state before buying• Be honest about how retirement will change your spending habits and social dynamics • The first few years of retirement are critical – don't be too frugal when you have health and energy • Spend generously on things you truly value and remain frugal on things you don't care about• Put your retirement dreams into financial planning software to see if they're achievable • Consider what would feel worse – spending too much or having regrets at 85 about not spending enough • Dream big and think intentionally about what will make retirement fulfillingBefore executing any strategy discussed in this episode, please consult with your financial advisor, tax preparer, or estate attorney. This content is for educational and informational purposes only and should not be construed as financial advice. Submit questions at earlyretirementpodcast.com for consideration in future episodes.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

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• Root Talks: How We Plan When Markets Are Volatile

  James and Ari tackle a great question from the Root Collective: How do you keep things fun when markets—or life—get tough? They break down why “fun” isn’t just about ping pong tables and perks—it’s about being prepared, building trust, and maintaining strong relationships before challenges arise. James shares a personal story from the early Covid days, highlighting how mindset and self-care helped him show up for clients. The takeaway? A great advisor isn’t just there for the good times—they’re prepared to guide you through the tough ones, too.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

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• How To Instill Financial Values In Children

  Financial literacy starts at home, but teaching kids can be challenging when they develop an abundance mindset and spend everything they make. We explore effective strategies for engaging young people with money concepts by connecting to their existing interests rather than lecturing them about financial terms.• Growing up around money doesn't automatically create financial literacy• Sharing personal stories of financial mindsets—from abundance to scarcity• Making financial concepts relevant by starting with what kids already care about • Demonstrating compound interest visually as "free time" gained by investing early• Finding personal motivation in finance that resonates• Creating games and experiences that make financial literacy engaging for young minds • Connecting investment growth to ownership of companies kids recognizeIf you have strategies that worked with your children or teenagers, please share them in the YouTube comments or join our free Root Collective community where we discuss topics like this one.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

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