Coming up with a sizable down payment is one of the key barriers to affording a home. Learning how to invest your down payment if you’re planning to buy a house is a whole other issue. On the one hand, you want to invest your down payment conservatively so that’s it’s available once you find
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The maximum amount of earnings subject to the 6.2% Social Security payroll tax climbed to a record $176,100 in 2025, up from $132,900 in 2019 for reference. As a result, your goal should be to increase your investment income so you can earn more tax efficiently. In other words, those lucky enough to have jobs
Income Types Not Subject To Social Security Tax: Earn More Tax Efficiently! Read More »
This article will look at the best asset allocation of stocks and bonds by age in detail. The best asset allocation is subjective in that it depends on your financial goals, risk tolerance, and existing financial health. I used to work in investment banking in the equities department from 1999 – 2012. Today, I’m an
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Are you wondering which states are best for retirement? As a retiree since 2012 let me share the best states for retirement based on taxes, weather, and lifestyle. My method for calculating the best states for retirement are objective and logical. In retirement, you want to live in a place that has reasonable taxes. Every
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Social Security is America’s national pension system. The income limit for maximum social security tax goes up every year. This is because Social Security is underfunded by roughly 25% as of 2022. The 2023 income limit for maximum Social Security tax rose 9% to $160,200. For those of you who believe the government is efficient
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Phew! We made it! What a year 2020 has been. I’m absolutely exhausted from taking care of my two young kids, experiencing so much uncertainty, and writing so much. Unfortunately, the first half of 2021 likely won’t be much different. Many cities and counties will still be under shelter-in-place. Most of us still won’t get
2020 Financial Samurai Year In Review: Didn’t Give Up! Read More »
Every year I tend to discover one significant thing that fish-slaps me in the face based on some sort of experience. This year, it’s the realization of the next high demand job of the decade: Chief Content Officer. You know how computer science and software engineering jobs have become all the rage over the past 10
The Rise Of The Chief Content Officer: The Next Hot Job Of The Decade Read More »
I’m bullish on real estate for the next several years. With multiple efficacious vaccines, high inflation, continued low and negative real mortgage rates, plenty of stimulus, work from home here to stay, and the desire to own income-producing assets, real estate has a bright future. Here is the latest Fundrise overview. Fundrise is a leading
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Are you thinking about when to have more children? My wife and I have been thinking this ourselves. We have two children currently and are wondering whether to try for a third. We hear having a third can be the hardest since we’d be outnumbered. Having children is a personal choice. There is no right
When To Have More Children: A Rational Framework To Consider Read More »
One of the keys to being a successful landlord is finding good tenants. At some point in your landlord journey, you may come across a situation where you have to decide between better tenants or higher rent. Of course, in an ideal situation, you would love to have both. This post will share my latest
Better Tenants Or Higher Rent? Making The Right Landlord Decision Read More »
