In 2022, I published 156 posts on Financial Samurai. Every post is written based on firsthand experience because money is too important to be left up to pontification.
For background, I worked in finance from 1999 – 2012. Along the way, I got my MBA part-time in 2006 and started Financial Samurai in 2009. Since 2009, I’ve written over 2,100 personal finance articles.
I still haven’t hired a staff writer to help with the workload. But I might in 2023 if I can find a great storyteller who can tackle different personal finance perspectives from firsthand experience.
Given I’m a man, finding a woman, preferably with a finance background is a logical choice. Hit me up if this sounds like you. Hmmm, maybe I can convince my wife to write more in 2H 2023 as well.
In the Fall of 2023, our daughter will start attending preschool three times a week. She’ll be our last child, so we will spend as much time with her as possible before then. In the meantime, I’m sure I can convince my wife to do more podcasts with me, like this Apple episode on loneliness.
My goal on Financial Samurai is to help you achieve financial freedom sooner so you can do more of the things you want. Without further ado, here are the top Financial Samurai posts of 2022.
Financial Samurai Top 10 Read Posts Of 2022
The below posts were all written in 2022. They are not the most read posts of all time on Financial Samurai.
The Fed is no longer our friend. But that doesn’t mean we still can’t have a great time!
There’s always a silver lining to every bad scenario. As a perennial optimist, this is one of them.
For real estate investors with cash, the next 6-12 months should present many buying opportunities.
A deep dive into buying one of the best risk-free investments today.
You can work harder and take more risks, or you can work smarter and find love.
2022 marked my 10-year anniversary of leaving investment banking for good.
Our net worths are illusions. Regular income is what will support our desired lifestyles.
When I started Financial Samurai in 2009, there weren’t many bloggers with financial backgrounds. Interestingly, in 2022, there are still few personal finance books written by authors with financial backgrounds. Check out Buy This, Not That.
Dying with millions is silly. You will have wasted all that time, stress, and energy if you do.
Before you violate the second rule of financial independence, do you know what the first rule is? It became very clear to me in 2022 why some people get way richer than others.
Top 10 Posts If Given More Time
Posts published toward the second half of the year don’t have as much time to get read as posts published during the first half of the year.
Those of us who are better able to preserve capital during difficult times usually end up much wealthier when the inevitable upswing arrives.
You can talk all you want about having enough money to be free. But if you’re still stuck in a suboptimal situation, like a broken marriage or a crappy job, you’re not really FI.
Most of us focus on fee minimization. However, even if there are zero fees, it can still feel terrible to get reminded every day of your stocks going down. Mental health optimization is worth a lot.
All of us have experienced money trauma to a certain extent. Some more severe than others. The more we can recognize money trauma in others, the more empathetic we’ll be and the less sting we’ll feel when others lash out at us.
Even though paying down a negative interest rate mortgage was technically the wrong thing to do at the start of the year, the deployed cash ended up outperforming the S&P 500 by over 15%.
The media makes you feel like you need to be a great investor to retire will millions. Not true! Good enough is often good enough.
This one mental trick can make a big difference to your wealth.
This post is a discussion about whether the hard work is worth it.
Unfortunately, there’s not a lot of optimism for either real estate or stocks.
Top 10 Epiphany Posts In 2022
Finally, here are some “ah ha” type posts. One of the best things about writing (and meditating) is that random realizations come to you.
After going through the biggest PITA remodel from 2020 – 2022, I will never do a big remodel again. Remodeling takes so much longer nowadays more people will opt for already remodeled homes.
This post was a big revelation by my wife. It also shows that we’re never too old to discover new things about ourselves. Don’t go your entire life without knowing the true you.
The Financial Samurai Safe Withdrawal Rate is a dynamic one that changes with the times. 25X expenses or the 4% Rule to achieve financial independence is outdated.
Understanding what the government wants is an important variable for happiness. The government and the elites decide who gets a helping hand and who doesn’t.
This concept made me feel even better about paying for life insurance. I also discovered that getting life insurance was better than therapy.
The older you get, the more you may want to simplify life. It doesn’t matter how much money you have, you can only live in one home at a time.
A story about always speaking up for yourself. If you do, you might be surprised by the results.
Even if the system is stacked against us, we should still work on our personalities.
Social media is entertaining because everybody is trying to convey a certain image. I learned from a rich guy how he hides is wealth.
None of my really rich friends ($10+ million) got rich due to index funds. Yet the entire personal finance world loves to focus on index funds. What a conundrum.
Thanks For Reading!
Phew, going through all 156 posts to choose these 30 took a while. If each post takes three hours on average to write and edit, this means I spent over 450 hours writing on Financial Samurai in 2022.
If you want to do anything creative, the most important advice I can give you is to keep showing up. You will overestimate what you can do in a day, but underestimate what you can do in a year.
It’s easy to give up. But we have a saying in the Samurai household, “Hard things get easier with practice.” Keep going!
Reader Questions And Recommendations
Readers, do you have any favorite posts? What would you like to read more about in 2023?
Finally, if you’d like to gain more financial knowledge and make more optimal decisions than 99% of the population, pick up a copy of Buy This, Not That: How To Spend Your Way To Wealth And Freedom.