Cruising the Caribbean aboard the MSC Divina

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What’s the best way to fight off winter’s chill? Spend a week cruising the Caribbean of course! Right before Christmas the Root of Good family did exactly that. I wanted to share a few pictures from our eight day, seven night cruise aboard the MSC Divina sailing out of Miami, Florida.

After two lazy days at sea, we reached the island of St. Maarten where we watched airplanes zip by just feet off the beach. The next day we docked in San Juan, Puerto Rico where we explored the city and toured the Castillo San Cristobal fort. Then we enjoyed another relaxing day at sea before we reached Nassau, Bahamas. We didn’t get off the boat in Nassau since we seem to visit the island on every cruise we take. Relaxing on the ship while everyone was on shore proved to be the perfect way to spend the last full day of our vacation.

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December 2016 Financial Update

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Now that the year end celebrations are over, it’s time to get down to business. Our December finances closed on a strong note with a big $29,000 boost to our net worth, bringing the total to an all time high of $1,680,000. Our income for the month totaled $16,120 primarily due to year end dividend income while our expenses increased to $6,326 thanks to some incredible travel deals.

We closed out the year just under our $40,000 budget with total spending of $38,991.

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November 2016 Financial Update

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November was a busy month for us! We ate a lot of turkey then packed up the minivan and set out for a five night Caribbean cruise. Now that we are back, it’s time to take a look at our financials for last month. Income looks tiny at $785 for the month (but I’ll explain why) while expenses remained moderate at $2,774. A strong stock market propelled our net worth $33,000 higher to $1,651,000. All in all, November was a great month financially and otherwise.

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The Role of Luck in Early Retirement

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We’re celebrating Thanksgiving here in America in a few days, and that means two things: eating massive quantities of turkey and reflecting on all the beautifully awesome parts of life! Last year I mentioned how thankful I was for cool affordable tech gadgets, the ease of growing wealth, and lastly, economic and political stability.

I’m still a big fan of all of those! But in this post, I want to express my gratitude for all the good luck experienced throughout my life.

First up, I’m glad I was born in the United States of America. It’s one of the richest countries in the world as measured by per capita gross domestic product, consistently ranking in the top 10 or 15 countries of the world. In the good ole US of A, we speak English which is the lingua franca of business and culture worldwide. Speaking English as a first language boosts one’s career prospects and allows conversation with around a quarter of the world’s population. That also translates to a huge marketplace if you’re in the idea biz (such as writing a blog).

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