I love Halloween, especially seeing how much fun the kids have. But for financially aware adults, the real chills don’t come from ghosts or goblins. They come from spreadsheets, surprise bills, and market meltdowns that turn your net worth chart into a horror movie graph. After over three decades of studying, working through, and writing […]
The 8 Scariest Financial Situations You Can Find Yourself In Read More »
Despite finally having the permission to live it up in retirement, I still find it hard to spend money on things I don’t truly need. A big part of building wealth has always been about endurance and suffering. The more we can withstand—long hours, delayed gratification, and the occasional investment blowup—the greater our odds of
How to Endure Suffering to Build Greater Wealth and Resilience Read More »
A poor millionaire sounds like an oxymoron, but they definitely exist. Roughly 6% of U.S. households are millionaires, yet many of them still don’t feel rich. A poor millionaire is someone worth over $1 million but unable to access much of their wealth. In other words, their net worth is highly illiquid. A layoff, bear market, or
Poor Versus Rich Millionaires: Liquidity Is The Difference Read More »
If healthcare in America weren’t so egregiously expensive, more people would retire earlier and live better, happier lives. We’re one of the few countries in the world where affordable healthcare is tied to employment, making financial independence that much harder to achieve. Given the high cost of coverage, before you decide to retire early by
Millionaire Early Retirees Probably Shouldn’t Get Healthcare Subsidies Read More »
One of the key conclusions from doing a deep-dive analysis of my IRA with Empower, is that I should be able to live it up more in retirement. In fact, we should all be able to live it up more in retirement based on a higher recommended safe withdrawal rate by Bill Bengen, one of America’s
Permission To Live It Up In Retirement Granted: The New 5% SWR Read More »
After doing my first free Empower financial professional review back in 2014, I decided to do another investment portfolio review with them. Given the portfolio review is free for anyone with over $100,000 in investable assets, and my financial situation has changed so dramatically since then, I figured, why not spend a little time uncovering potential
How Empower’s Free Financial Review Helped Me Rethink Retirement Read More »
1999 is back, and I’ve missed it. Ever since then, I’ve been chasing that next 50-bagger, the kind of life-changing winner that helped me come up with the down payment for my first property. But he’s been elusive. I still remember sitting on the international trading floor at Goldman Sachs at 1 New York Plaza,
It Feels Like 1999 Again: Time To Party Without Blacking Out Read More »
If time is truly more precious than money, then spending money to buy back your time is the wisest trade of all. Here’s an example of overcoming my frugality to live a better life. Perhaps one of the main reasons I initially didn’t want to go on a family vacation to LegoLand and SeaWorld was
Spending Money to Save Time Is the Best Use of Funds Read More »
On October 8, 2025, we decided to go on a family vacation I was decidedly unexcited about. That entire week was supposed to be my time to attend the Fairfield Challenger tennis tournament every day with my buddy Richard. September and October are tennis paradise months in the Bay Area, with multiple tournaments and ideal
Vacations Just Aren’t As Great Anymore Once You Retire Early Read More »
Welcome CNBC readers. I’m currently investing in private AI companies through Fundrise Venture to save my children from AI. The minimum investment amount is only $10, and Fundrise owns positions in leading AI companies such as OpenAI, Anthropic, Databricks, Anduril, and more. I started Financial Samurai in 2009, and it has since become one of
The Main Way To Save Your Children From AI Is To Invest In AI Read More »
