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Should I Go To Grad School? Get Rich Or Die Trying!

Updated: 07/15/2020 by Financial Samurai 25 Comments

You’ve got your undergraduate degree and now you’re debating if you should go to graduate school. I’ve been in your shoes. I too wondered should I go to grad school? It’s a big commitment. Tuition can get quite expensive, especially if you quit working full-time to go to graduate school. However, earning a graduate degree can boost your career and really increase your earnings potential.

I’ve decided to dedicate time this month on graduate schools, specifically the much loved and vilified graduate degree, the MBA. Let’s start off with a layup as to why getting your graduate degree is a good idea, if you want to make more money.

Go To Graduate School To Make More Money



Read More…

To MBA or Not To MBA: Deciding Whether Business School Is Worth It

Updated: 12/23/2019 by Financial Samurai 19 Comments

I remember the moment I got my college diploma, I swore I’d never go to school again. At the end of the day, we forget the majority of things we learn and who wants to do homework anyway?

All this changed when the Dotcom bubble exploded and I was left wondering whether I’d be the first person let go given I had recently joined my current job in 2001. Last in First Out, or LIFO as they say.

We had gone through 5 rounds of layoffs in 1.5 years, and I heard the 6th one was just right around the corner. As long as the firm would have me, I’d keep on working, but just in case, I needed a backup plan. I decided that surfing back home in Hawaii was not the proper backup plan so I came to a compromise and applied to the nearest part-time MBA program, which so happens to be ranked Top 10 in US News & World Report and the WSJ.

The program promised the rigors of the full-time program, with the same professors and international opportunities all within 3 years. Upon looking further into my company’s policies, they offered to pay for my MBA so long as I was in good standings. The MBA program was a hedge, just in case I was one of the casualties, as one could potentially transfer to the full time program once accepted.

The 6th round came and went, and I was still left standing. Unfortunately, the company tuition reimbursement policy was canceled just two weeks before my acceptance. I decided to join anyway b/c at the end of the day, the economy was still shaky, and I didn’t want my application time spent go to waste. What the heck I thought. Be grateful for the opportunity.

Read More…

Samurai’s Alexa Ranking Challenge Update: Progress Through Adversity

Updated: 04/07/2021 by Financial Samurai 83 Comments

Financial Samurai

It’s been just over a month since the Samurai Alexa Ranking Challenge was announced, and I’m pleased to report we’ve made tremendous progress! With 35+ members strong, we are actively helping each other achieve our respective goals. I’d like to use this opportunity to recognize several Yakezie members for their achievements and initiatives in helping the team.

* Daniel-San from Sweating The Big Stuff took the initiative to compile the list and keep track. His efforts have in turn created a home for us members to visit once a week and get pumped.

* @Elle_CM from Couple Money has been amazingly selfless in retweeting my posts and many other posts. She is exactly the type of member the Yakezie Group seeks.  @FinEngr created a Yakezie Twitter Group to keep track of us and follow.  Pls follow so the group can follow you back.

* Monevator, The Amateur Financier, Evolution Of Wealth created weekly wraps to specifically highlight posts from the Yakezie Group. Meanwhile, Money Funk wrote a derivative post on how to increase your Alexa ranking.

* Eliminate The Muda and Planting Dollars have busted through their 200,000 goal and should obviously now shoot for top 100,000!

THE RULES HAVE CHANGED AND WE WILL ADAPT

At some point over the past several weeks, all of us got dinged by 2 spots on Wise Bread’s Top 100 PF list because of the addition of two new blogs in the #1 and #2 spots. Congrats to those two blogs for being able to piggy back off their respective major platforms. The Atlanta Journal and The Star Tribune of Minneapolis and rocket straight to the top.

I liken the scenario to a situation at work where you struggle for a long period of time to get promoted, only to find out your manager hires someone laterally or from outside the firm to fill the spot! 

Others have mentioned it’s like some who get into prestigious schools simply due to their connections, while the rest of us just make due with what we have. Guess what team? Life isn’t fair, and Wise Bread can do whatever they want. We are not going to complain. Instead, we will simply try harder!

It’s important to realize that in 5 months, to get on Wise Bread’s first page, reaching 200,000 will no longer be enough. The 100th ranked blog will probably be ranked around 165,000 by then. 

Furthermore, Wise Bread might start adding other piggy back blogs from major publications which will impede our progress further. Once again, we must do as much as we can to help each other out. Never surrender!

New Initiatives

* Guest Posting UP: I ask that all those in the Top 100,000 allow others who are outside the Top 200,000 to guest post if they want to. There is a mutual benefit to guest posting where the guest writer gets to reach out to the host’s readers, while getting a link back to their own site. 

Meanwhile, the host blog receives content.  The guest writer really benefits most, because many of the bigger sites already have a ton of content in the pipeline already.  The host blog will actively promote the guest post on Twitter and elsewhere.

* A Playful Dance: One of the great ways to get to know each other better is to write a post in response to a post from one of your members. You see Ryan and Planting Dollars and Wojo at Fiscal Fizzle plays this out with the topic on “Is There Really Such Thing As Passive Income”. That exchange has created a fantastic amount of insight for the readers, and I’m sure Ryan and Wojo’s relationship is better because of it.

* Carnival: Another major initiative is to create an ongoing Samurai Alexa Challenge Carnival each week or two.  We are small enough where we can highlight a post from each challenger, thereby helping promote their content, while promoting yourself since everybody will visit your site and read your content as well. 

You don’t have to highlight a post from every site, however, please do your best to highlight as many as possible.  Just check out the comments at Evolution of Wealth’s Rodeo.  We’ve already got three lined up!

Other Updates From The Alexa Ranking Challenge

* Ranking Host Rotation: Daniel-san has benefited by keeping track of the group’s progress, as he should.  What we are proposing is to allow a new member to host and update the rankings for every month of the challenge. 

I think we should discuss this proposal below, and get an idea of whether people like this idea, and would want to host the ranking as well. With two things in motion (weekly wrap and ranking), we can share the wealth further.  Or, we can keep the ranking at Daniel-San’s site since it’s already there. 

The host’s duty is to obviously update the rankings, check back on the original challenge post to see if new members would like to join, and add, while highlighting any big changes.

* A New Go To Ranking: Finally, at the end of the 5 month period, I plan to either bring the ranking back home to Financial Samurai or let the ranking float forever once a month. The plan is to morph Samurai’s Alexa Ranking Challenge into the go to personal finance ranking page. This will purely consist of individually run personal finance blogs that do not piggy back off other major publications. 

We will create a entirely apples-to-apples comparison of the best PF sites in the world. If anybody has any programming skills to create a page where entries will be automatically updated, please let me know. When the rules change on us, we have the power to make our own rules!

The Alexa Ranking Challenge Is For Everyone

You may think this challenge is just dedicated to a community of bloggers.  In reality, the Samurai Alexa Ranking Challenge is a case study on how to improve all our lives, readers and writers alike! 

Our personal real-life goals can range from finding love to early retirement. What we want to show is that through the selfless promotion of others, continuous teamwork, and an unwavering commitment, we will succeed despite setbacks. This is The Yakezie Way.

** Update Feb 25th: The Atlanta Journal and Star Tribune blogs which took up the top 2 spaces in WB’s rankings are no longer there.  Maybe this post made a different, maybe not. Regardless, this is a positive for all of us, and should serve as a reminder that the rules can and will change. We need to continue being diligent in our efforts.

Further Reading

Here’s some further reading for the week.

  • Forgoing A $50 Million Fortune For The Love of Football!?!
  • Does Bernie Madoff Win In The End?
  • Simple Pleasures Are What Make Life Worth Living
  • Why I Can’t Bank At Wells Fargo
  • Family Gets Award For Paying Off Debt & Jumps Right Back In!
  • The Katana: Must Read Articles of The Week Ending 9/26

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I never thought I’d be able to quit my job in 2012 just three years after starting Financial Samurai. But by starting one financial crisis day in 2009, Financial Samurai actually makes more than my entire passive income total that took 15 years to build.

If you enjoy writing, creating, connecting with people online, and enjoying more freedom in your life, see how you can set up a WordPress blog in 15 minutes.

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Pro Blogging Income Statement
You can start your site for next to nothing and potentially make a lot of extra income. This is a real example.

Where Americans Pay The Most To Live And Why

Updated: 07/08/2021 by Financial Samurai 71 Comments

high costs of living and sunshine - Where Americans Pay The Most To Live And Why
Samurai On Waialae Beach At Sunset

As one can guess, higher paying jobs leads to higher costs of living. In fact, more than half of the 20 cities surveyed by the US Census Bureau are based in California. Let’s look at where Americans pay the most to live and why.

How is it that California is so dominant in the expensive costs of living category? The mass of settlers first arrived on Plymouth Rock 300 years ago. And 3,300 miles is a long way to travel, especially on horse and foot! 

Besides the gold rush, the main reason for the unfettered move out west is warmth and sunshine!

There is a reason why the 2nd most number of billionaires live in San Francisco (48). California and Hawaii are two of the best states for retirement.

High Costs Of Living And More Sun

Every time I vacation in Hawaii, I always ask myself, why the heck ain’t I here for good. Let’s face it, more sunshine equals happier people. Sunshine is the classic zeitgeber to help us wake up and get us motoring in the morning. No sunshine leads to no photosynthesis, which means no plant life, and therefore no ecosystem.

After 10 years of living on the east coast, I can still feel the grey skies weigh down my soul every winter. Don’t get me wrong. I love the winter snow during the holidays. But I just love being in a cheerful mood more. Here are America’s most expensive places to live based off median monthly housing costs.

Top Cities Where Americans Pay The Most To Live

1. San Jose, Calif. Median Monthly Housing Costs: $1,828

2. Bridgeport, Conn. Median Monthly Housing Costs: $1,793

3. Oxnard, Calif. Median Monthly Housing Costs: $1,780

4. Washington, D.C. Area Median Monthly Housing Costs: $1,706

5. San Francisco, Calif. Median Monthly Housing Costs: $1,660 (Here!)

8. Honolulu, Hawaii. Median Monthly Housing Costs: $1,532 (There!)

15. Trenton, New Jersey.  Median Monthly Housing Costs: $1,401 (So not there!)

19. Seattle, Washington. Median Monthly Housing Costs: $1,368 (On the West Coast, but not as expensive likely due to rain)

Source: Forbes

Related: The Top 20 Cities To Buy Real Estate Today

Go To Paradise And Make More

So there you have it. Did the cities with the highest costs of living surprise you? Would you be willing to pay $131/month more to live in Honolulu, Hawaii than Trenton, New Jersey? You bet your buns of steel I would! 

The next time you are feeling a little glum, look outside and see if the weather has anything to do with it. And if so, come back to this post and plan your move out west.

If you’re paying high costs of living might as well be in the sunshine.

300 years ago, it would have taken you months to come out west. Now, all it takes is a two week bus ride at most. Don’t be afraid to pack up your bags and move, even with a family. 

Leo from Zenhabits, with his 6 children are moving to San Francisco from Gaum, and Ryan from Planting Dollars left Wisconsin for Hawaii, why can’t you? After experiencing 10 years on each coast, there is no doubt in my mind that living in a warmer, sunnier place is the way to go.  See you on the beach this winter!

Related: West Coast Living – It Really Is that Much Better!

Recommendation: Invest In Real Estate

If you’re looking to buy property as an investment or reinvest your house sale proceeds, take a look at Fundrise, one of the largest real estate crowdfunding platforms today. They allow everyone to invest in mid-market commercial real estate deals across the country that were once only available to institutions or super high net worth individuals.

They are the pioneers of eREIT funds and they are creating an Opportunity Fund to take advantage of tax-efficient Opportunity Zones. Thanks to technology, it’s now much easier to take advantage of lower valuation, higher net rental yield properties across America.

Fundrise Due Diligence Funnel
Less than 5% of the real estate deals shown gets through the Fundrise funnel

Financial Samurai $1000 Giveaway & Your Chance To Make Millions Over Your Career!

Updated: 04/06/2021 by Financial Samurai 18 Comments

I have some exciting news to share. We’re hosting a $1000 giveaway to a lucky reader who is seeking an MBA. (note: this giveaway is now closed) “It’s not whether you have your MBA, it’s where it came from,” writes John Micklethwait, Editor-In-Chief of The Economist.

I’m sure on at least two levels, he’s upsetting people. On one level, those without MBA’s are going to find it presumptuous that getting an MBA is a foregone conclusion. On another level, there are thousands of MBA grads who didn’t attend the top tier schools who will take offense as well.

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John is smart to be so opinionated because after all, the people who will be buying his magazine are those who have always wondered whether getting an MBA is a good idea. 

He forces the assumption that if you picked up his magazine, you must get an MBA. And not just any MBA, but one of the top schools from his polls like Harvard.

I don’t entirely agree with John, but let’s face reality. Getting an MBA is gradually becoming the new standard for newcomers to the world of finance. Why? Because some go-getter decided it was the right thing to do and succeeded to get others to follow. 

The MBA is also too expensive to not try and go to the best school possible (although it’s not the end of the world).  The inertia is too strong to reverse now!

Interesting MBA Statistics

Here are some of the takeaways from the magazine:

1) The average MBA graduate from all schools in the world earn about $90,000. European MBA graduates earn $107,000, compared to $70,000 in Asia.

2) The Top 10 US MBA schools have an average salary + bonus figure of $120,000 – $125,000 post graduation.

3) All six of the American schools in the top ten have average GMAT scores of over 710 (out of 800). In contrast, students at London average 693, at IESE 685 and at IMD just 675.

4) The rankings are based on what the students want: increased pay, to open new career opportunities, develop a larger network, and personal development.

5) “Cheap” programs regularly cost well over $100,000 after accounting for lost wages, tuition, books and living expenses. More emphasis should be put on part-time programs and their benefits given the costs.

Samurai $1000 Reader Giveaway

777-full

I think it’s pretty clear by now there are enormous monetary benefits of getting your MBA from one of the top schools. 

We highlighted last week those with graduate degrees have net worth levels 160% higher than those with only bachelor degrees. If you want to make more money, know that an MBA helps your cause tremendously.

I’m proposing a $1000 giveaway of consulting advice to give you the highest chance of getting into your dream school! Getting into a top tier business school could mean the difference of making millions over your post grad career. 

Go to any MBA consulting service, and they often charge much more. In fact, I was surfing the web and found that a site called “Personal MBA” charges $1,500 to coach someone 2 hours a week for a month for someone to get a “Personal MBA!” That’s not a real credential, but a great service and good idea!

What We (Editor and I) Are Going to Do For You:

Here’s what’s included in the $1000 giveaway

* We are going to be brutally honest and tell you whether your application has a chance or not.  Your parents and friends are nice, but can’t be trusted to tell you the whole truth!

* Good or not, we will optimize your resume, essays, and overall application.  You need as many objective eyeballs reviewing your application as possible!

* We will conduct two mock interviews and provide communication tips you need to work on, because frankly, communication is one of the key deciding factors.

* We will will be as involved as you want us to be and are committed to spending up to 8 hours just on your application.

We Think We Are Qualified Because:

1) We both have MBA’s from a couple of the top 10 school listed in The Economist’s rankings above.  We’ve also been accepted to several other business schools and have a proven record for success.

2) We have interviewed over 150 MBA candidates in our careers post grad and more than 400 candidates if you include undergraduate candidates.  In fact, I (FS) was just at a Haas Berkeley recruiting fair last month for 3 hours.  We are the end game (a post MBA employer), and have a solid grasp of what an ideal candidate looks like.

3) We know how the admissions process works and what they look for.  How?  We have developed friendships with senior people in the admissions department.

We might be small fish in the personal finance blogosphere, but believe me when I tell you one of us, was a very senior executive at a major Fortune 500 firm, and I am no dog chow either.  We genuinely just want to help and are not driven by money as evidenced by the lack of ads on the site.

Maybe you’re not interested in getting your MBA, but you have a friend who does. Please feel free to let them know.

To Participate Simply Do One or More of The Following:

* Provide a comment as to why exactly you want to get your MBA and why you disagree or agree with The Economist’s ranking.

* Twitter this post and let me know you’ve done so.  Our address is @FinancialSamura

* Tell someone at a major media publication about our giveaway and let us know who.  Frankly, if this post gets picked up by The New York Times, you win!

* Invite friends to Financial Samurai by highlighting this post, or any post in our archives on your Facebook “What’s On Your Mind?” box.  Have them comment “(Your name) sent me” and any other thoughts as evidence.

Winners Will Be Announced on Sun,  Nov 8!

There will be one main winner, and one minor winner based on who are the best publicists.  Maybe nobody will be interested, but maybe the internet will work its magic and find people who believe in the degree, and care about their careers, especially since round 1 applications are due in November.  It will truly be interesting to see how this promotion evolves or not, and will be the topic of a future post.

People are spending thousands of dollars on GMAT courses as well as personal consultants. High GMAT scores alone aren’t good enough.  In fact, I’ve seen plenty of sub 600 GMAT scores and poor undergrad GPA candidates get into top schools. The difference is your overall application, communication skills, and whether you have a connection helping you succeed.  This is our attempt at evening the odds!

If you build a relationship with us, by the time you graduate, you’ll have some of your biggest champions introducing you to various people in the private equity, investment banking, management consulting and start up arena.  How much is your future worth?

Related Posts:

“Get A 3.9 GPA and 1,300 On Your SAT’s And You’re Set For Life!” (a first chance at school)

“Go To Grad School, Get Rich Or Die Trying” (a second chance at school in case you messed up the first time)

“To MBA or Not To MBA” (what went through my head when I was deciding whether to go)

“The First $1,000 MBA Giveaway Winner Is…..”

Keigu,

Financial Samurai – “Slicing Through Money’s Mysteries”

If you were forwarded this post, you can subscribe to my newsletter by clicking here. 

Survey Says: Get 1,300 on Your SAT’s and a 3.9 GPA And You’re Set For Life!

Updated: 02/06/2021 by Financial Samurai 12 Comments

I came across an intriguing article with a secret on getting set for life. Study hard, get good grades, nail your SATs, and get into one of the top 20 schools. Or if you weren’t scared off by the college admissions scandal, you could bribe your way in. But of course only you can decide if taking that level of risk is worth it.

The New York Times highlighted PayScale’s survey of 1.2 million college graduates. They reported how much money they made right out of school and 10 years after graduation. Would you feel set for life with these salary ranges?

Set For Life Graduate Salary Statistics

If you look at the picture, it’s interesting to note that the majority of schools are: 1) Private Schools, and 2) Highly Ranked in US News & World Report and other popular college rankings.

The average SAT and GPA scores of these 20 schools are roughly 1,300 and 3.7, respectively. Hence, one could argue that the key to making a six figure income 10 years out of school is simply high test scores and good grades!

As such, it behooves all incoming 9th graders to recognize their grades accumulate from 9th to 12th grade. Don’t mess up your child’s chances of getting into Dartmouth, UPenn, and Yale if you want them to be set for life.

Set For Life In The Long Run

I really used to think education was not very useful since we forget much of what we learn. But, as I grow older, it becomes apparent that many of the most successful people we know have been very well educated.

Barack Obama went to Columbia for his BA, and Harvard Law School. George Bush Senior went to Yale, and even Bush Junior went to Harvard. Say what you will, but anybody who becomes the President of the Free World is successful in my eyes. In the long run, the cream rises to the top, be it whip cream or sour cream.

For the sake of argument, let’s say elite schooling is the only way to a healthy six figure income. The trick is to manipulate little Johnny and Emily to recognize during middle school or earlier they can goof up all they want. But, once the 9th grade hits, they’ve got to buckle down.

I remember when I was in 7th grade, my buddy’s older brother told me exactly this. He said, “Squirt, you can be a goofball all you want and annoy me on our bus ride to school, but you better not mess things up in high school or else you’re going to be a loser.”

His words are still quite clear in my mind 20+ years later. He scared the hell out of me, and I stopped trying to be cool and sit in the back of the bus with him. I also stopped shooting spitballs through straws which was a nice milestone.

Help Your Kids Get Set For Life

Any parents out there, I would just tell it to your kids straight. There’s only one chance at life so they might as well work as hard as possible to get the best perceived education one can afford.

The reason why private education costs so much is simply because parents are willing to pay for it. College tuition is essentially inelastic. The preceived value of a Harvard degree is tremendous.

Whether you learn something more or not is not the debate. All the text books are generally the same. It’s all about perception, and the admission into a club which will open doors for you or your children. The perpetual motion of education has already been set, you just have to play the game.

With tuition at these schools hitting $30,000+/year, there is often an unfair advantage for already well to do families. The good thing is that many of these schools have hefty endowments with need base scholarships, and more often than not, rewards will be given to bring this cost down.

There’s No Shame In Getting Financial Aid

Hence, don’t be deterred from applying to schools out of your price range. You never know what type of aid you will receive and if you don’t apply, you’ll never know whether you’ll get in. It’s even possible to get financial aid with a multiple six figure salary!

When I was in HS, I felt so guilty for my parents that I just applied to the local state schools. They were government employees, and didn’t make a lot of money. I sometimes wonder whether I would have been able to get in.

The article also goes on to highlight that the degrees with the highest salaries include: Aerospace Engineering, Chemical Engineering, Computer Engineering, Electrical Engineering, Economics, and Physics.

Coincidence these majors don’t sound easy, probably not. It really is too bad that Social Work, Music, and Education are at the bottom of the list for salaries. If I were President, I’d pay these professions the most!

Related: Bankers, Techies, Doctors, And Lawyers: You’ll Never Get Rich Working For Someone Else

Nothing Is A Guarantee

Sure you want to be set for life and want the same for your kids. But, alas nothing is guaranteed. You could go to the top school in the nation, quit your job and end up broke and alone. On the other hand, there are countless examples of people who didn’t go to any of the schools in the survey, who’ve done incredibly well for themselves.

Heck, I went to public school for High School and College and turned out ok… I think. But, when people from these schools continue to dominate the senior management positions at many of America’s leading firms, we may be at a disadvantage if we want to reach the very upper levels of the firm.

Look around at your managers. It’s not a coincidence that if Boss X went to Cornell, Boss Y right under Boss X also went to Cornell. You can take this analogy further to people in terms of sex and race. People like to be around people who are most similar to them. Just look around, and you’ll notice the “coincidences.” It’s just human nature, and it is what it is.

Many of us who are already working and didn’t got to a top school may ask, “I can’t rewind my life and go back to 9th grade, RB, so what now?” The good thing is that once you enter the work force, your success is largely up to your own performance (see “Rich People Try Harder: True or False?”)

Get Set For Life With An MBA

If you feel that performance alone isn’t good enough, look into part-time graduate programs (see “To MBA or Not To MBA“) or full time graduate programs.

No question many of us have had different economic upbringings and different maturity profiles while growing up. The way I view grad school is that it’s a second chance to try again if you’re unsatisfied with the first go around. You’ve got your entire life to work, contrary to the title of this blog!

Another thing to note is that going to a local grad school may often yield better dividends than a higher ranked school e.g. going to UCLA if you work in LA may carry more weight than going to Columbia, same thing goes for going to University of Wisconsin if you live in Madison and so forth.

Nobody really knows how successful one will be in their careers. All we can do is work hard, work towards harmonious relationships, and arm ourselves with as many weapons possible to combat in the work jungle.

Related: The Secret To Your Success

Readers, what are your thoughts on the relationship between expensive elite private schools and your ultimate success in your career? I especially would like to hear stories of triumph proving all these survey’s wrong.

Recommendations

Learn More, Make More Money. Here are some additional resources I’ve put together that will help you on your financial journey to earn more, save more, and hopefully double or triple your income!

  • Take advantage of free online financial tools: Free Wealth Management
  • Explore my top financial products recommendations
  • Learn how much you should aim to have saved in your 401(k) by different ages. The numbers could surprise you.
  • Look beyond your salary and start earning passive income. Here are the best passive income streams I recommend.

Refinance your student loans today. Check out Credible, a student loan marketplace that has qualified lenders competing for your business. Credible provides real rates for you to compare so you can lower your interest rate and save. Getting a quote is easy and free. Take advantage of our low interest rate environment today!

Regards,

Sam

n

Top Product Reviews

  • Fundrise review (real estate investing)
  • Policygenius review (life insurance)
  • CIT Bank review (high interest savings and CDs)
  • NewRetirement review (retirement planning)
  • Personal Capital review (free financial tools and wealth manager)
  • How To Engineer Your Layoff (severance negotiation book)

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