Welcome to Rootless Funds
The standard personal finance playbook — “max your 401k, buy index funds in a Roth IRA, get a 30-year mortgage” — assumes you have a permanent address, a single tax jurisdiction, and a W-2 employer. If you have none of those, that advice doesn’t just stop working. It actively damages you.
Rootless Funds is the personal finance site for everyone the standard playbook ignores: digital nomads, perpetual travelers, location-independent founders, slow-traveling consultants, military spouses, third-culture kids, expats in transition. Anyone whose money problem isn’t “how do I save more” but “how do I do this anywhere.”
Our coverage
Nomad banking — Wise, Revolut, Charles Schwab debit, BlueAcorn, multi-currency neobanks, the real fees, the hidden fees, what works in Asia vs. LatAm vs. Europe.
Tax residency planning — establishing a “home base” for tax purposes, the “183-day rule” in different countries, places that don’t tax foreign income (Panama, Paraguay, UAE, Georgia), and what the IRS / HMRC / CRA actually want from you.
Investing without a fixed address — opening a brokerage with no residency, UCITS vs. US ETFs, Interactive Brokers vs. local options, building a portfolio that doesn’t lock you into a single country’s market.
Health insurance for nomads — SafetyWing vs. Genki vs. Cigna Global vs. IMG vs. local national insurance options. What “international” actually means when you get hospitalized.
Nomad FIRE — financial independence calculations when your cost of living swings 5x by location, when you have no employer match, when geographic arbitrage is part of the strategy.
Rootless Wealth — the newsletter
Rootless Wealth drops every other Sunday with: one deep-dive on a nomad finance topic, the week’s news that affects location-independent earners (Schengen rules, tax treaty changes, broker policy shifts), and reader Q&A.
Disclosure
We use affiliate links for some banks, brokers, and insurance providers. We do not let commission dictate recommendations — if SafetyWing pays us 3x what Genki pays and Genki is a better fit for you, we’ll still recommend Genki. Nothing here is tax or legal advice for your specific situation; get a cross-border professional.
Welcome to financial life off the map.