After rolling over my 401(k) into an IRA, I’d like to focus on potentially the single most beneficial reason why everyone should convert their 401(k) into an IRA after they leave their jobs: Rule 72(t). Rule 72(t) allows for penalty-free withdrawals of your IRA account before the age of 59.5 provided that the IRA holder take […]
Use Rule 72(t) To Withdraw Money Penalty Free From An IRA Read More »
Dear Financial Samurais, Every Fourth of July weekend, I like to take a moment to reflect on where I stand on the freedom meter. Am I doing things that increase my freedom, or am I slowly giving it away? This year, I decided to stay with my parents in Honolulu—a choice that came with restrictions I
Newsletter for July 6, 2025: Freedom Is Always The Best Choice Read More »
If you became a newly minted millionaire, where would you migrate to? Due to inertia, I bet most of you would stay right where you are. A lot of us are afraid of change, which is why we stay at jobs we hate and suffer through broken marriages for too long. But how about being
Millionaire Migrations: Where Millionaires Are Moving Globally Read More »
Ever since I left my day job in 2012, I’ve used a form of the dumbbell investing strategy to grow my wealth while protecting against large losses. It’s a framework that’s helped me stay invested during uncertain times—especially when I felt the urge to hoard cash or sit on the sidelines. If you’re in a situation
The Dumbbell Investing Strategy: Balancing Risk and Safety Read More »
Dear Financial Samurai, Despite new tensions with Iran following U.S. bombings, a slight uptick in PCE, and signs of a weakening labor market for entry-level workers, the S&P 500 reached another all-time high. It’s been encouraging to hear about progress on the trade front with China, even though Friday’s canceled talks with Canada briefly shook
Newsletter for June 29, 2025: Your Experience Is Your Reality Read More »
I’m convinced that if you wake up just one hour earlier every day for the next 10 years, you’ll not only accomplish far more, but also build significant wealth and unlock countless opportunities in life. Conquering the magic of the morning—while most are still asleep—will give you a massive edge. I’m reminded of this truth
Sleep In, Stay Broke: Wake Up Earlier for Financial Success Read More »
When the U.S. bombed three locations in Iran, my initial reaction was a mix of hope and sadness. Hope—because I wished it might lead to a reduction in weapons of mass destruction. Sadness—because of the likely loss of innocent civilian lives and the heightened danger now facing Americans abroad. I shared these thoughts and feelings
Your Perception of War and Death Depends on Your Experiences Read More »
Dear Financial Samurais, We are now at war with Iran following U.S. airstrikes on three locations within their borders Saturday night. As a result, Americans everywhere may be a little less safe, and a whole new generation of people may grow up harboring resentment toward us. Whether the strikes were effective in significantly diminishing Iran’s
Newsletter for June 22, 2025: War With Iran, Housing Slowdown Read More »
If you want to grow your wealth faster than the average person, I suggest trying to think in two timelines that move together in unison. The first timeline is analyzing what’s going on right now. The second timeline is analyzing what could happen in the future, with a consistent spread. It’s like having a dual
Think In Two Timelines If You Want To Build Greater Wealth Read More »
One of the most overlooked risks in real estate investing isn’t rising interest rates, leverage, or even tenant issues—it’s execution fear. You run the numbers. The property checks all the boxes. It fits your timeline and lifestyle. You can even picture the steady cash flow hitting your account… Yet you still don’t pull the trigger. It’s
Execution Fear: The Silent Killer of Great Real Estate Deals Read More »
