Financial Samurai

Slicing Through Money's Mysteries

About
- Welcome To The Financial Samurai Forum (FSF)!
Free Wealth Management
Top Financial Products
Negotiate A Severance
Real Estate Crowdfunding

Latest Posts

The Secret To Your Success: 10 Years Of Unwavering Commitment

Warning! Beware of revealing your financial independence plans too soon

Warning! Beware Of Revealing Your Financial Independence Plans Too Soon

The Inverted Yield Curve And A Recession Could Be Fantastic

The Inverted Yield Curve And A Recession Could Be Extremely Positive

How Much Does The Stock Market Move On Average A Day?

Average Daily Percent Move Of The Stock Market: S&P Volatility Returns

The Median Net Worth For The Middle Class, Mass Affluent And Top 1%

The Median Net Worth For The Middle Class, Mass Affluent And Top 1%

Paying The Average Credit Card Interest Rate Will Keep You Poor Forever

Paying The Average Credit Card Interest Rate Will Keep You Poor Forever

The Best City In The World To Make Money: San Francisco

The Best City In The World To Make Money: San Francisco

What it's like having a budget wedding on the beach

The Average Wedding Cost Is Way Too High: Go Budget Instead

What It's Like Living In An $18 Million Mega-Mansion

What It’s Like Living In An $18 Million Mega-Mansion

A Fed Rate Cut Is The Signal We've All Been Waiting For To Buckle Down

A Fed Rate Cut Is A Sign We Should All Buckle Down And Be Careful

Dad Guilt Is More Common Than Mom Guilt: Ways To Overcome Feeling Like A Bad Parent

Dad Guilt Epidemic: Ways To Overcome Feeling Like A Bad Parent

What The Last 20 Years Of Inflation Teaches Us About Building Wealth

What The Last 20 Years Of Inflation Teaches Us About Building Wealth

It's Time To Refinance Your Mortgage And Boost Your Cash Flow

Refinance Your Mortgage Now As The Yield Curve Inverts

Financial Samurai 2019 Mid-Year Review

Financial Samurai 2019 Mid-Year Review: Riding The Tsunami

A Bear Market Checklist To Surviving A Downturn

A Bear Market Checklist To Thriving In A Downturn

Your Frugal Budget Won't Get You To Early Retirement

It’s Hard To Frugal Your Way To Early Retirement

The Only Time You Should Consider Buying A Vacation Property

The Only Time You Should Consider Buying A Vacation Property

The Amount Of Money Needed To Retire Early And Live In Abject Poverty

The Amount Of Money Needed To Retire Early And Live In Abject Poverty

How To Engineer Your Layoff 3rd Edition

A Severance Negotiation Success Story For Parents Looking To Leave Work

The Cost Of Fourth Trimester Childcare: Potentially $40,000 And Up

The Cost Of Fourth Trimester Childcare: Potentially $40,000 And Up

Real Estate Is A Hedge Against Many Bad Things In Life

Real Estate Is A Hedge Against Many Bad Things In Life

To Save Money On Property Tax Don't Update Your City Records

To Save Money On Property Tax Don’t Update Your City Property Records

Making Children Millionaires Is No Longer Necessary Thanks To The Cancel Student Debt Movement

Child Millionaires: Not Necessary Thanks To Canceling All Student Debt

The Bull Market Checklist To Living Your Best Life

The Bull Market Checklist To Living Your Best Life Today

Best San Francisco Neighborhood To Buy Property For Maximum Price Appreciation

Why Households Need To Earn $300,000 A Year To Live A Middle Class Lifestyle Today

Solving Happiness: Things That Will Make You Happier And Wealthier

Solving The Happiness Conundrum In Five Moves Or Less

Trophy Kids Are The Best

Trophy Husbands, Trophy Wives, And Now Trophy Kids Oh My!

Ruined Career Due To Poor Credit

The Risk Of Being Unhirable After Retiring Early Is Overblown

If I Could Retire All Over Again These Are The Things I'd Do Differently

If I Could Retire All Over Again These Are The Things I’d Do Differently

The making of 529 plan child millionaires

Your Chances Of Becoming A Millionaire By Race, Age, And Education

How RealtyMogul Performs Due Diligence On Their Investments

How RealtyMogul Performs Due Diligence On Their Investments

FS20: A New Property Leading Indicator That Gives Buyers Confidence

How To Take Advantage Of Rich People So You Can Get Rich Too

How To Take Advantage Of Rich People So You Can Get Rich Too

As A Bond Investing Homeowner, You May Get To Profit Thrice

How A Bond-Investing Homeowner May Get To Profit Thrice

When People Doubt You, Just Keep On Winning

When People Doubt You, Just Keep On Winning

How The FIRE Movement Will Narrow The Gender Pay Gap

How The FIRE Movement Will Narrow The Gender Pay Gap

The Best Life Hack For Americans: Taking Advantage Of Canada

The Best Life Hack For Americans: Taking Advantage Of Canada

You Can't Save Too Much In Your 401(k) For Retirement

You Can’t Save Too Much In Your 401(k) For Retirement

Is The FIRE Movement BS? Negatives Of Financial Independence

The Not So Obvious Reasons Why People Want To Achieve Financial Independence

The Best Passive Income Investments For Financial Freedom

Ranking The Best Passive Income Investments

How A Bad Real Estate Agent Can Kill The Possibility Of Getting The Best Selling Price

How A Bad Real Estate Agent Can Kill Your Chances Of Getting The Best Selling Price

How to save a lot of money in your pre-tax 401k or SEP IRA

How Much Should People Have Saved In Their 401Ks At Different Ages

In Real Estate, Watch Out For The Illusion Of Added Value

Forgoing $1 Million In Salary To Be A Stay At Home Parent

Forgoing $1 Million In Lost Income To Be A Stay At Home Parent

Check Your Credit Score For Free Nowadays Online

The Average Credit Score In America Is Now Excellent

In Search Of FIRE: Financial Samurai Retirement Portfolio Overview

In Search Of FIRE: Financial Samurai Retirement Portfolio Review

Reflecting On Two Years As A Stay At Home Dad

Reflecting On Being A Stay At Home Dad For Two Years: Eight Takeaways

Roofstock Review: A Way To Invest In Single Family Rental Property

A Stealth Wealth Solution For Real Estate Investors With Kids

Cashing Out Of Stocks To Buy Real Estate: Analyzing The Pros And Cons

Cashing Out Of Stocks To Buy Real Estate: Analyzing The Temptation

The Risks Of Using A Bad Realtor To Sell Your Property

How To Fail At Getting The Lowest Mortgage Interest Rate Possible

Annualized Returns By Asset Class From 1999 - 2018

Annualized Returns By Asset Class From 1999 – 2018

How Much Does It Cost To Bribe Your Way Into A Top University?

A Legal Way To Profit From The College Admissions Scandal

The Return On Rent Is Always Negative 100 Percent - Here's How To Live For Free

The Return On Rent Is Always Negative 100%: Here’s How To Live For Free

Paying Off Your Mortgage Is A Bad Move When The Yield Curve Is Inverted

Paying Off Your Mortgage Is A Bad Move When The Yield Curve Is Inverted

There's No Such Thing As A True No-Cost Refinance Loan

No-Cost Refinance Loan: There’s Really No Such Thing

How To Plan For Retirement The Second Time Around

How To Plan For Your Retirement The Second Time Around

Average net worth for above average person

The Average Net Worth For The Above Average Person

How Do Real Estate Crowdfunding Platforms Do Their Due Diligence And Protect Investors?

Why Real Estate Will Always Be More Desirable Than Stocks

Perhaps Admissions Bribing Starts As Early As Preschool

Perhaps Bribing For Admissions Starts In Preschool

The Implications Of The College Admissions Bribery Scandal

The Wide Implications Of The College Admissions Bribery Scandal

Explaining why the median 401(k) balance by age is so pitifully low

Explaining Why The Median 401(k) Retirement Balance By Age Is Dangerously Low

How To Get Healthcare Subsidies Under The Affordable Care Act

How To Qualify For Healthcare Subsidies Under The Affordable Care Act (Even As A Multi-Millionaire)

What percentage of Americans own stock?

The Benefits Of Owning Stocks Over Real Estate For Certain Investors

Top Mortgage Lender For Refinancing Or New Loans

The First Rule Of Financial Independence: Never Lose Money

Every Investment Decision You Make Is Market Timing

Every Investment Decision You Make Is Market Timing

Is Having A High Deductible Health Plan (HDHP) Worth It To Be Eligible For A Health Savings Account (HSA)?

Is It Worth Having A High Deductible Health Plan To Be Eligible For A Health Savings Account?

Prove your love by making your spouse a millionaire

Three Favorite Ways To Earn Money And Pay Less Taxes

The Average Consumer Expenditure Shows Americans Are Living Their Best Lives

Average Consumer Expenditure Per Year Proves Americans Are Living The Dream

Mental Illness Deserves A Sick Day Just Like A Physical Illness

Mental Illness Deserves A Sick Day Just Like A Physical Illness

Understanding the yield curve: an economic indicator

Understanding The Yield Curve: A Prescient Economic Predictor

If you love your spouse, you'd make them financially independent

If You Love Your Spouse, You’d Make Them Financially Independent

It feels a lot like 2007 again

It Feels A Lot Like 2007 Again: Reflecting On The Previous Peak

Choose Production Over Talent Every Single Time

To Get Ahead, Choose Production Over Talent Every Single Time

The Importance Of Being Consistently Uncomfortable For Personal And Financial Growth

The Importance Of Feeling Consistently Uncomfortable For Personal And Financial Growth

Squaw Valley USA, Lake Tahoe

Recommended Net Worth Allocation By Age And Work Experience

The Proper Geoarbitrage Strategy: First Your City, Then Your Country, Then The World

The Proper Geoarbitrage Strategy: First Your City, Then Your Country, Then The World

The Average Social Security Benefit Is Not Enough

The Average Social Security Benefit Is Not Enough For Retirement

Who Are Uber's Largest Shareholders Post IPO?

The Average Spending Amount In Retirement Is Surprisingly High

Maxing Out Your 401(k) Is A Choice On An Average Income: $55K In Washington D.C. Case Study

Maxing Out Your 401(k) Is A Choice On An Average Income: $55K In D.C.

How Much Does The Stock Market Move On Average A Day?

The Proper Asset Allocation Of Stocks And Bonds By Age

What Percentage Of People Max Out Their 401(k)?

Latest 401(k) Balance By Age Versus Recommended Amount For A Comfortable Retirement

It's Time To Refinance Your Mortgage And Boost Your Cash Flow

How To Invest Your Down Payment If You’re Planning To Buy A House

The Higher Your Taxes, The Happier You'll Become

Short-Term And Long-Term Capital Gains Tax Rates By Income

Building Your Savings War Chest Is All About Anxiety Management

Cash Management Is Really All About Stress Management

Anatomy of a ARM reset

The Anatomy Of An Adjustable Rate Mortgage Increase

Financial SEER: Samurai Equity Exposure Rule Based On Risk Tolerance

Financial SEER: A Way To Quantify Risk Tolerance And Determine Appropriate Equity Exposure

Three things learned from my estate planning lawyer everyone should do

Three Things I Learned From My Estate Planning Lawyer Everyone Should Do

Reasons not to contribute to a Roth IRA

Why I Never Contributed To A Roth IRA But Why You Probably Should

A bond yield table shows why shorter duration bonds are better investments

A Bond Yield Table Makes It Clear Which Duration You Must Choose

Common financial blind spots on your road to financial freedom

Common Financial Blind Spots On The Road To Financial Independence

Financial Samurai 2019 Economic Outlook And Goals

2019 S&P 500 Price Targets By Wall Street Strategists Are Mostly Bullish

Patient Capital: The Key To Long-Term Wealth Creation

Patient Capital: The Key To Long-Term Wealth Creation

Build A CD Step Stool, Not A CD Ladder In A Flat Yield Curve Environment

Build A CD Step Stool, Not A CD Ladder In A Flattening Yield Curve Environment

The median income by age and sex in America

Achieving Financial Independence On A Modest Income: $40,000 In Manhattan

How to invest in Middle America real estate now that Donald Trump is president

Focus On Trends: Why I’m Investing In The Heartland Of America

The new three-legged stool in retirement is made up of You, You, and You

The New Three-Legged Retirement Stool: You, You, And You

How a big expensive house can ruin your life and path to FIRE

How A Big Expensive House Can Ruin Your Life And Path To Financial Freedom

Who Is Sam Dogen, Founder Of Financial Samurai?

Welcome To The Financial Samurai Forum (FSF)!

How to convince someone to buy your property when they shouldn't

How To Convince Someone To Buy Your Property When They Really Shouldn’t

Why $5 million is barely enough to retire early with a family

Why $5 Million Is Barely Enough To Retire Early With A Family

What to do when the stock market vomits all over you

What To Do When Stock Market Volatility Returns

How to become a millionaire

The First Million Might Be The Easiest: How To Become A Millionaire By Age 30

Recommend stock allocation by bond yield for logical investors

Suggested Stock Allocation By Bond Yield For Logical Investors

Wedding spending rules to follow if you don't want to end up broke and alone

Wedding Spending Rules To Follow If You Don’t Want To End Up Broke And Alone

After-tax investment amounts by age in order to comfortably retire early

After-Tax Investment Amounts By Age To Comfortably Retire Early

Best Financial Samurai Posts Of 2018

Way Of The Financial Samurai: Core Principles For Achieving Financial Independence

The Average Household Income In America

The Average Household Net Worth In America Is Huge!

Why starting a business is so much easier during the downturn

The Best Time To Start A Business Is During A Downturn

Is Investing With Wealthfront A Smart Move For My Financial Future?

Personal Lessons Learned Since The 2008 – 2009 Financial Crisis

How much should you spend remodeling a house for maximum profit

How Much Should You Spend Remodeling A House For Maximum Profit

The Roth IRA For Retirement Planning Makes Sense

The Negatives Of Early Retirement Life Nobody Likes Talking About

How to correctly value investment property

Go Up The Housing Price Curve To Find Better Value

When earning $1 million a year isn't enough to retire early

When Earning $1 Million A Year Isn’t Enough To Retire Early

The making of 529 plan child millionaires

Who Makes A Million Dollars A Year? Exploring The Top 0.1% Income Earners

US household debt composition

Household Debt Composition Mix Over Time: Student Loans Way Up

How to avoid buyer's remorse when buying an expensive luxury vehicle

A Car Fanatic’s Drive Down Memory Lane: Lessons Following The 1/10th Rule

When is the right time to travel or live abroad with kids

When Is The Right Time To Travel Or Live Abroad With Kids

Warnings Signs To Be Aware Of Before Buying A House

10 Warning Signs To Look For Before Buying A House

Be rich, not famous: the joy of being a nobody

Be Rich, Not Famous: The Joy Of Being A Nobody

Quitting your job is selfish: engineering your layoff is the way to go

Quitting Your Job Is Selfish: Engineering Your Layoff Is The Ethical Way To Go

How high net worth individuals invest

How High Net Worth Individuals Invest: Their Asset Allocation Breakdown

The Roth IRA For Retirement Planning Makes Sense

The Ideal Financial Scenario In Retirement: Conservative Returns, Steady Income

How to accept financial assistance from your parents without feeling like a deadbeat loser

How To Accept Financial Help From Your Parents Without Feeling Like A Deadbeat Loser

The Risks Of FIRE: Financial Independence Retire Early

Your Risk Tolerance Is An Illusion: Wait Until You Start Losing Big Money

How does Fundrise plan to manage their investments in a downturn

How To Make Lots Of Money During The Next Downturn

The opportunity Cost of investing

Always Calculate The Opportunity Cost When Making A Major Investment

The 10X Investment Consumption Rule

The 10X Investment Consumption Rule To Fix Bad Spending Habits

Financial Samurai 2019 Mid-Year Review

How To Negotiate A Severance As A High-Performing Employee

Don't let your ego make you buy a big house you don't need

Don’t Let Ego Make You Buy A Bigger House Than You Need

The benefits of investing in triple-net properties

Triple-Net Properties: An Ideal Source Of Passive Income

Tax free profit exclusion for long term rentals need to be prorated

Tax Free Profit Exclusion: Prorate For Long Term Rentals That Turn Into Primary Homes

Reinvestment Ideas For Your Expired CD

Reinvestment Ideas From An Expiring CD: Stay Mostly Conservative

Net worth composition by levels of wealth

Net Worth Composition By Levels Of Wealth: Build A Business Already

The need for liquidity is overrated

The Need For Liquidity Is Overrated If You Are Financially Competent

Best Ways To Save For A House Downpayment

How To Pay No Capital Gains Tax After Selling Your House For Big Profits

The Risks Of Retiring Early And How You Can Better Prepare

The Ideal Retirement Age To Minimize Regret And Maximize Happiness

Recommended Savings Guide By Age

How Much Savings Should I Have Accumulated By Age?

Wonderful grounds

The Ideal House Size And Layout To Raise A Family

Fear of running out of retirement and crushing your nest egg

The Fear Of Running Out Of Money In Retirement Is Overblown

401(k) Millionaire

Here’s When You’ll Become A 401(k) Millionaire

How much investment risk should I take in retirement

How Much Investment Risk To Take In Retirement: Various Portfolio Compositions To Consider

Things to do before making an investment

Things To Do Before Making Any Investment If You Don’t Want To Lose Everything

Net Worth Target By Age, Work Experience, And Income

Net Worth Targets By Age, Income, And Work Experience For Financial Freedom Seekers

The Three Levels Of Financial Independence by Financial Samurai

The Three Levels Of Financial Independence: Because Money Is Only Part Of The Equation

Main concerns for affluent investors

The Biggest Financial Concerns Of Affluent Investors

The main types of risk exposure when investing

The Main Types Of Investment Risk Exposure To Be Aware Of

The Real Estate Investing Rule To Follow: Buy Utility, Rent Luxury

The 10 best reasons to start and operate a business

The 10 Best Reasons To Start An Online Business

How Retirees Should Invest In A Rising Interest Rate Environment

Ideas For Reinvesting Proceeds After A Home Sale

The best real estate investment ever made was also the easiest

When To Sell An Investment Property: Every Indicator To Consider

It's Time To Refinance Your Mortgage And Boost Your Cash Flow

Housing Expense Guideline For Financial Independence

How much money can you make from a blog

Blogging For A Living: How Much Can You Really Make Online?

Browse more posts

Popular Reads

The Best Passive Income Investments For Financial Freedom

Ranking The Best Passive Income Investments

How to save a lot of money in your pre-tax 401k or SEP IRA

How Much Should People Have Saved In Their 401Ks At Different Ages

The Rise Of Stealth Wealth: Ways To Stay Invisible From Society If You Have Money

Average net worth for above average person

The Average Net Worth For The Above Average Person

Explaining why the median 401(k) balance by age is so pitifully low

Explaining Why The Median 401(k) Retirement Balance By Age Is Dangerously Low

Hawaiian Sunset

CD Investment Alternatives: Why I’m No Longer Investing In CDs

Squaw Valley USA, Lake Tahoe

Recommended Net Worth Allocation By Age And Work Experience

30-Year Fixed Mortgage Loan Or An Adjustable Rate Mortgage (ARM)?

Which Is A Better Investment: Real Estate Or Stocks?

More Popular Articles

Retirement

Is A Backdoor Roth IRA A Good Move For Higher Income Earners?

Is A Backdoor Roth IRA A Good Move For Higher Income Earners?

A Pre-Mortem Financial Checklist To Prepare For Bad Times

How To Convince Your Spouse To Work Longer So You Can Retire Earlier

Passed Out Drunk Vomit Oozing From Mouth

Disadvantages Of The Roth IRA: Not All Is What It Seems

Your primary residence and net worth according to a wealth manager and socialist

Your Net Worth According To Wealth Managers And Socialists

More Retirement Articles

Investments

What Drug & Alcohol Addiction Taught Me About Risk & Reward

What Drug & Alcohol Addiction Taught Me About Risk & Reward

Different investment strategies at different life stages

Different Investment Strategies For Different Life Stages

Best asset allocation model of stocks and bonds by age

The Best Asset Allocation Of Stocks And Bonds By Age

Invest in 401k or save for downpayment

Invest In My 401k Or Save For A House Downpayment?

More Investment Articles

Real Estate

Why Are San Francisco Public Schools So Bad?

How New Tech IPOs Could Cause SF Bay Area Real Estate Prices To Fall Further

Fundrise REIT Fees Compared To Larger Institutions Such As Blackrock and Starwood

Real Estate Crowdsourcing Investing With Fundrise

30-Year Fixed Mortgage Loan Or An Adjustable Rate Mortgage (ARM)?

30-Year Fixed Mortgage Loan Or An Adjustable Rate Mortgage (ARM)?

Is San Francisco Bay Area Real Estate In A Bubble?

It’s Time To Start Worrying About The Housing Market Again

San Francisco Bay Area Homeowners Shouldn't Expect To Get Rich From Tech IPOs

The Best Area To Buy Property In San Francisco (Or Any Major City) Today

More Real Estate Articles

Mortgages

How To Get The Lowest Mortgage Interest Rate Possible

How To Get The Lowest Mortgage Interest Rate Possible

How Much Can An Adjustable Rate Mortgage Go Up After The Fixed Period Is Over?

Why are mortgage rates falling after the Fed started raising interest rates?

Why Are Mortgage Rates Falling After The Fed Started Raising Interest Rates?

Entrepreneurship

How Uber Sold The False Dream Of Financial Freedom And Enriched Itself

How Uber Sold The False Dream Of Riches And Enriched Itself Instead

Things To Consider Before Selling Your Business

Things To Consider Before Selling Your Business (Baby)

Conquering FOPA: Fear Of Other People's Approval

Conquering FOPA: The Fear Of Other People’s Approval

More Entrepreneurship Articles

Career & Employment

How To Get Your Wife To Go Back To Work After Having A Baby

How To Get Your Spouse To Go Back To Work After Having A Baby

Increase The Value Of Your Professional Network By Befriending These Five Archetypes

Increase The Value Of Your Professional Network By Befriending These Five Archetypes

Who Are The Top 1% Income Earners?

More Career & Unemployment Articles

Automobiles

How to avoid buyer's remorse when buying an expensive luxury vehicle

How To Avoid Buyer’s Remorse When Purchasing An Expensive Luxury Vehicle

How To Buy Any Car You Want Guilt-Free

The 1/10th Rule For Car Buying Everyone Must Follow

Example Of A Car Write-off Business Expense

Tax Rules For Buying A SUV Or Truck To Deduct As A Business Expense

More Automobile Articles

Top Product Reviews

Personal Capital review (free financial tools)
Fundrise review (real estate crowdfunding)
RealtyMogul review (real estate crowdfunding)
LendingTree review (mortgages)
Betterment review (digital wealth advisor)
PolicyGenius review (life insurance)
Esurance review (auto loans)
Bluehost review (web hosting)

Top Credit Card Offers

Best Rewards Credit Cards
Best Cash Back Credit Cards
Best Small Business Credit Cards

Real Estate Resource Center

Real Estate Crowdfunding Learning Center
Why Real Estate Is One Of The Best Investments
BURL: Buy Utility, Rent Luxury Strategy
Why Invest In The Heartland Of America
Example Of A Strong Rental Lease Agreement
A Guide To Buying And Managing Rental Property
Why Real Estate Will Always Be More Desirable Than Stocks

Investment Resource Center

Ranking The Best Passive Income Investments
The Proper Asset Allocation Of Stocks And Bonds By Age
Historical Returns Of Different Stock And Bond Portfolio Weightings
Why Investors Prefer Stocks Over Real Estate
Things To Do Before Making Any Investment
How To Reduce Excessive Portfolio Fees
Net Worth Asset Allocation Recommendation By Age
401(k) Target Amounts By Age

Categories

Automobiles
Big Government
Budgeting & Savings
Career & Employment
Credit Score
Debt
Education
Entrepreneurship
Family Finances
Gig Economy
Health & Fitness
Insurance
Investments
Mortgages
Most Popular
Motivation
Podcast
Real Estate
Relationships
Retirement
Taxes
Travel

Copyright © 2009–2019 Financial Samurai · Read our disclosures

PRIVACY: We will never disclose or sell your email address or any of your data from this site. We do highly welcome posts and community interaction, and registering is simply part of the posting system.
DISCLAIMER: Financial Samurai exists to thought provoke and learn from the community. Your decisions are yours alone and we are in no way responsible for your actions. Stay on the righteous path and think long and hard before making any financial transaction! Disclosures