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 »
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 getting a free financial consultation with Empower for anybody with over $100,000 in investable assets 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
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 »
It’s been several months since we returned from Hawaii, and surprisingly, my FOMO about the AI tech boom has faded. Sure, I still don’t have a job paying me gobs of money as AI CapEx surges higher, but that’s OK. Instead, I’ve allocated enough money to AI investments to where I no longer feel the
The Main Way To Save Your Children From AI Is To Invest In AI Read More »
So you’ve read my post on the growing importance of Identity Diversification and now you’re wondering what it actually takes to prove your ethnicity and heritage. Doing so can help you better navigate the shifting socioeconomic winds of society and, in some cases, even improve your odds of getting into school, landing a job, winning
The Cost To Prove Your Ethnicity And Heritage: Hawaiian Edition Read More »
The government has shut down again, this time mostly over healthcare subsidies. We’ve seen shutdowns before, and we’ll see more in the future. As frustrating as they are, shutdowns remind us that uncertainty is the only constant. Instead of just surviving, I want to show you how to thrive during and after one. Out of
Turn a Government Shutdown Into an Opportunity to Thrive Read More »
