This week’s picks for the best in personal finance from around the web — a day early this week since we'll have DAA and Sector Rotation announcements on Friday.

Implementing a total-return approach to retirement income (Morningstar). We advocated something very similar to this in The Retirement Investing Challenge.

The best way to leave an inheritance (US News). What's best—giving now or giving later?

Following your dream brings bliss, but not always money (NY Times). Necessary cautions for those thinking of starting their own business—now or in retirement.

Americans are painfully aware of how broke they are (Time). The important difference between absolute and relative wealth.

Roof insurance coverage hits a new ceiling ( Are you adequately covered?

And from the blogosphere…

Your best long-term investment: your job (The Experts – a Wall Street Journal blog). How much are you investing in yourself?

Equality, and its after-effects (The Aleph Blog). An ode to personal responsibility, and taking an other-centered approach to your work.

Work that makes a difference ( Maybe it isn’t about the job.

Setting realistic retirement expectations (Love Being Retired). What expectations do you have for your later years?

Share stuff: one way to reduce clutter (Unclutterer). A pathway to lower costs, less stuff, and probably even stronger relationships with neighbors.

We’d love to hear your responses to any of the above. To weigh in, just meet us in the comments section.