One of my goals for 2025 is to simplify life by selling a rental property. A key decision in this process is whether to hire a top-tier real estate agent, who charges a higher commission, or opt for an average agent to save on costs. By “top-tier real estate agent,” I’m referring to an agent […]
Hire A Top-Tier or Average Real Estate Agent at Lower Commission Read More »
This newsletter is proudly sponsored by Fundrise, my top choice for private real estate and private company investments. With over $3 billion in assets under management, Fundrise makes investing accessible to everyone, starting with just a $10 minimum. Personally, I’ve invested more than $300,000 with Fundrise to gain greater exposure to AI and high-quality residential commercial real
Newsletter For January 5, 2025: What’s In Store For 2025 Read More »
Chinese American International School (CAIS) is the oldest Mandarin immersion school (preschool through 8th grade) in both San Francisco and the nation. This comprehensive review is based on multiple visits to the school, conversations with approximately 200 CAIS parents about their children’s experiences, and a deep dive into the school’s history. I’m also a parent
Chinese American International School (CAIS) In San Francisco Review Read More »
As we wrap up 2024, it’s time to highlight the best posts from Financial Samurai this year. When I started Financial Samurai in July 2009, my goal was to publish three posts a week for 10 years. I achieved that milestone in July 2019, but much like Forrest Gump, I kept on going. Writing has
Best Of Financial Samurai 2024: Favorite Posts And Popular Reads Read More »
When you reach financial independence or retirement you may eventually experience a sense of emptiness. After years of hard work, aggressive saving, and smart investing, you might feel a letdown because the toughest financial challenges are behind you. Based on feedback from readers since 2009 and my own experience after leaving work in 2012, I’ve
Earn Active Income For Wants, Use Passive Income For Needs Read More »
This Financial Samurai newsletter is proudly sponsored by Fundrise, my favorite platform for private real estate and private company investments. With a minimum investment of just $10, it’s never been easier to gain exposure to high-quality private investments. Personally, I’ve invested over $290,000 with Fundrise to date. Dear Financial Samurais, The brazen assassination of the UnitedHealthcare
Newsletter for Dec 15, 2024: You’ll Know When To Go Read More »
This week’s newsletter is proudly sponsored by Boldin, the ultimate DIY retirement planning tool. Whether you’re managing real estate investments, considering a Roth conversion, or projecting your future passive income, Boldin has you covered. Dear Financial Samurais, Lately, I’ve been on a retirement planning kick, inspired by my conversation with Bill Bengen, the creator of the
Newsletter Dec 8, 2024: Clarity With Financial Planning Read More »
The 2025 Wall Street S&P 500 forecasts are rolling in, and so far, the outlook is all bullish. I haven’t found a single bearish forecast, which is somewhat worrisome. Most firms project the S&P 500 will close 2025 around 6,500—a solid 8.3% gain from the 6,000 level. If 2024 ends as expected, with the index
2025 Wall Street S&P 500 Forecasts Are All Bullish – Uh Oh! Read More »
I firmly believe that above-average wealth is largely a result of luck – around 60% – 70%. If we fail to recognize our lucky financial breaks, we risk confusing our abilities with good economic times. This overconfidence can lead to poor decisions and increase the likelihood of financial ruin. Since starting Financial Samurai in 2009, I’ve witnessed
How One Lucky Financial Break Can Change Everything For Good Read More »
If you want to optimize your life, it’s essential to understand the concept of Return on Effort (ROE). The higher your ROE, the more you get out of your efforts, making it an invaluable framework for decision-making. ROE can also help you better utilize your time by prioritizing tasks and opportunities that yield the greatest
Return On Effort (ROE) Is Your Key To Unlocking A Better Life Read More »
