Search Results for: early retirement

Chinese American International School (CAIS) In San Francisco Review

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Chinese American International School (CAIS) is the oldest Mandarin immersion school (preschool 2 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

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Earn Active Income For Wants, Use Passive Income For Needs

19 Comments / Wealth / By

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

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Newsletter for Dec 15, 2024: You’ll Know When To Go

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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

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Newsletter Dec 8, 2024: Clarity With Financial Planning

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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

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2025 Wall Street S&P 500 Forecasts Are All Bullish – Uh Oh!

33 Comments / Investments / By

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

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How One Lucky Financial Break Can Change Everything For Good

51 Comments / Motivation, Retirement / By

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

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Return On Effort (ROE) Is Your Key To Unlocking A Better Life

31 Comments / Career & Employment / By

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

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Newsletter For November 17, 2024: It’s OK To Retire By 55

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Dear Financial Samurais, I recently had a fascinating discussion with Bill Bengen, the creator of the 4% Rule.  My biggest takeaway? It’s OK to consider lowering the traditional retirement age from 65 to 55. If you’ve been feeling burned out or uncertain about your future, know that one of the foremost experts on retirement planning

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