How big of an investment portfolio should I have to be financially free or start feeling free? This is one of the most common questions people starting on their financial independence journey ask. For background, I’ve been writing about achieving financial independence since 2009, when I started Financial Samurai and helped kickstart the modern-day FIRE […]
The Minimum Investment Portfolio Balance To Start Feeling Free Read More »
If inflation erodes the value of our currency over time, then it must be true that deflation strengthens the value of our currency over time. Let’s look at the benefits of deflation even though it seems like stagflation is more likely due to the rise in energy prices, Trump’s imposition of higher tariffs, and a
The Benefits of Deflation: Inflation Be Damned! Read More »
After sharing my 2022 housing market forecast, it’s only right to share my 2022 stock market forecast. Creating forecasts helps me think things through given I’ve got real money at stake. First some background. Due to continued gains in the stock market, roughly 35% of my net worth is in equities. This is 5% higher
2022 Stock Market Forecast: Uninspiring Upside Read More »
To come up with a proper 2022 housing market forecast, it’s important to first forecast where the 10-year bond yield is heading. The 10-year bond yield is the most important indicator for mortgage rates, not the Fed Funds rate. And mortgage rates, along with new household formation, job and income growth are the biggest factors
2022 Housing Market Forecast: Another Boom Year Read More »
And just like that, another year is almost over. I don’t remember too much about what happened at the beginning of the year without scrolling through my photos. Most of your managers don’t either, which is why it’s good to keep a log you can reference in your year-end review, especially if you did something
FS Year In Review 2021: Investments, Family, Writing Read More »
When I started Financial Samurai in 2009, my main goal was to make sense of the Global Financial Crisis. That was a scary time period that created massive uncertainty for our careers and our investments. As things got better, I’ve tried to tackle interesting topics to enable us to live more meaningful lives. Given the
The Best Of Financial Samurai 2021 Read More »
You may not realize this, but a health savings account (HSA) can be used as a retirement vehicle. If you’ve maxed out your 401(k) and IRA contributions, maxing out an HSA could be another source of retirement funds. A health savings account offers triple tax savings because you contribute pre-tax dollars, pay no taxes on
Using A Health Savings Account As A Retirement Vehicle Read More »
If you’re like most people, you want to get as much value out of any purchase as possible. Therefore, you’d probably never buy a First Class or Business Class airline ticket. You might use miles to upgrade. But you certainly wouldn’t pony up your hard-earned dollars to sit in a wider seat. However, money is
How To Pay For A First Class Airline Ticket Without Feeling Remorse Read More »
Fundrise is a leading real estate investing platform today with over 220,000 clients and $2.5+ billion in assets under management. The firm recently launched a new performance track record tool to boost transparency for individual investors. With stock market volatility back and negative real mortgage rates, my focus is moving towards capital preservation and investing
New Fundrise Performance Track Record Tool To Boost Transparency Read More »
Some people think sugary processed foods are why we get soft. Other people argue transitioning from a labor-intensive to a capital-intense economy makes us less active. I’m going to argue high I Bond returns are the real reason for making us not try so hard! Investing in an I Bond today is almost too good
I Bond Returns: Almost Too Good To Be True Read More »
