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Author: Financial Samurai

This author has written 49 articles
Home » Archives for Financial Samurai

Making Venture Capital Investing Accessible To All With Fundrise

  • Post published:2023-09-22
  • Post category:Investing

My first venture capital investment was in 2007. I invested $70,000 in my college classmate's gin company called Bulldog Gin, which ended up selling to Campari in 2017. Looking back, investing $70,000 in a single private company at age 30 was…

Continue ReadingMaking Venture Capital Investing Accessible To All With Fundrise

When Will The Fed Cut Interest Rates? A Forecasting Exercise

  • Post published:2023-09-20
  • Post category:Investing

Investors and particularly homebuyers are wondering when will the Fed finally start cutting rates? After 11 rate hikes so far since 2022, investors and homebuyers are starting to feel the strain of higher borrowing costs. The longer the Fed Funds rate…

Continue ReadingWhen Will The Fed Cut Interest Rates? A Forecasting Exercise

Replacement Cost Value Versus Actual Cash Value Home Insurance

  • Post published:2023-09-18
  • Post category:Investing

Home insurance costs are going up due to rising home prices, rising building costs, increasing natural disasters, and less appetite for risk from the insurance and reinsurance companies. As a result, more homeowners are looking to save by taking out an…

Continue ReadingReplacement Cost Value Versus Actual Cash Value Home Insurance

Income Ranking By Metro: Cities That Pay The Most

  • Post published:2023-09-15
  • Post category:Investing

One of the best ways to increase your chances of making more money is to move to a city that has a high number of high-paying jobs. Ideally, you should secure a high-paying job offer first before moving to one of…

Continue ReadingIncome Ranking By Metro: Cities That Pay The Most

To Get Smarter Financially, It Helps To Think In Extremes

  • Post published:2023-09-13
  • Post category:Investing

If you want to get smarter financially, it helps to think in extremes. Thinking in extremes makes financial concepts easier to understand. Since 2009, I've been using my background in finance to help readers and listeners achieve financial freedom sooner. However,…

Continue ReadingTo Get Smarter Financially, It Helps To Think In Extremes

Bank Loyalty Has Long-Term Benefits But Short-Term Costs

  • Post published:2023-09-11
  • Post category:Investing

Just like job loyalty, bank loyalty often doesn't pay in the short-term. I made the mistake of being a loyal employee for eleven years at my previous firm. If I had job-hopped, I probably could have made $1 million more in…

Continue ReadingBank Loyalty Has Long-Term Benefits But Short-Term Costs

The Downsides Of Paying All Cash For A House

  • Post published:2023-09-08
  • Post category:Investing

Paying all cash for a house is one of the best ways to beat out your competition and get a better deal. With all cash, you don't have to submit an offer with a financing contingency, which sellers dislike. As a…

Continue ReadingThe Downsides Of Paying All Cash For A House

The 60-Day Rollover Rule To Borrow From Your Retirement Plans

  • Post published:2023-09-06
  • Post category:Investing

The 60-day rollover rule enables you to borrow money from your retirement plans tax- and penalty-free. However, in general, I don't think it's wise to borrow from your retirement plans. If you do, you may get into the habit of robbing…

Continue ReadingThe 60-Day Rollover Rule To Borrow From Your Retirement Plans

Selling Municipal Bonds Is Incredibly Expensive And Cumbersome

  • Post published:2023-09-04
  • Post category:Investing

If you're thinking about holding individual municipal bonds as a safe and liquid source of funds, think twice. Owning highly-rated municipal bonds is low risk. However, selling individual municipal bonds can be incredibly expensive and cumbersome. Unlike stocks, which now have…

Continue ReadingSelling Municipal Bonds Is Incredibly Expensive And Cumbersome

Quantifying Pickleball’s Impact On Real Estate Prices: Mostly Negative

  • Post published:2023-09-01
  • Post category:Investing

As an avid pickleball player and real estate investor, I thought it'd be good to go through a thought exercise on pickleball's impact on real estate prices. More pickleball courts will appear over time given pickleball continues to be the fastest…

Continue ReadingQuantifying Pickleball’s Impact On Real Estate Prices: Mostly Negative

Why Zillow Is Likely Wrong Again About Its Housing Price Forecast

  • Post published:2023-08-30
  • Post category:Investing

As a homeowner and real estate investor, I want home prices and rents to rise. Real estate is an integral part of my Fat FIRE strategy of perpetually generating six figures in passive income. So when I saw Zillow's latest bullish…

Continue ReadingWhy Zillow Is Likely Wrong Again About Its Housing Price Forecast

401(k) Balances By Generation: From Gen Z To Boomers

  • Post published:2023-08-28
  • Post category:Investing

Fidelity recently came out with its average and median 401(k) balances by generation. They are as follows: Gen Z: Average $7,100, Median $2,500 Millennials: Average $44,900, Median $15,500 Gen X: Average $145,500, Median $44,000 Boomers: Average $215,000, Median $61,200 How does…

Continue Reading401(k) Balances By Generation: From Gen Z To Boomers

Community College May Be The Way: How I Plan To Spend $1.5 Million

  • Post published:2023-08-25
  • Post category:Investing

Thanks to several commenters in my going back to work post, I'm getting more enthusiastic about sending my kids to community college! As a result, it may no longer be necessary for us to try and accumulate $1.5 million for two children…

Continue ReadingCommunity College May Be The Way: How I Plan To Spend $1.5 Million

Suggested Stock Allocation By Bond Yield For Logical Investors

  • Post published:2023-08-23
  • Post category:Investing

With interest rates rising across Treasury bonds, municipal bonds, and corporate bonds, there comes a point where owning bonds becomes more attractive than owning stocks. The objective of this article is to figure out an appropriate stock allocation by bond yield…

Continue ReadingSuggested Stock Allocation By Bond Yield For Logical Investors

Investor Virtue Signaling In A Capitalist Country Is Fascinating

  • Post published:2023-08-21
  • Post category:Investing

Virtue signaling is the public expression of opinions or sentiments intended to demonstrate one's good character, social conscience, or the moral correctness of one's position on a particular issue. I don't mind virtue signaling if the person also lives by their beliefs. It is natural to want…

Continue ReadingInvestor Virtue Signaling In A Capitalist Country Is Fascinating

Why High Interest Rates Are Great For Most, Even If We Crash

  • Post published:2023-08-18
  • Post category:Investing

High interest rates could be the best thing for investors, personal finance enthusiasts, retirees, savers, and those seeking financial independence. You know, most of us. Even though it was uncomfortable to lose money when the Fed first started hiking rates in…

Continue ReadingWhy High Interest Rates Are Great For Most, Even If We Crash

A Scarcity Mindset Will Make You Miserable But Potentially Richer

  • Post published:2023-08-16
  • Post category:Investing

I've written about the importance of having a strong money mindset to get richer. But what I've also realized is having a scarcity mindset can also make you richer as well! Could both mindsets lead to good fortune? Let's explore. The…

Continue ReadingA Scarcity Mindset Will Make You Miserable But Potentially Richer

5 Ways To Overcome Emotional Attachment To Buy A New Home

  • Post published:2023-08-14
  • Post category:Investing

Now that I'm in contract to buy a home with contingencies, I've been wrestling with my emotions on whether buying a new home is a good idea. Perhaps you've also become emotionally attached to your existing home and are questioning your…

Continue Reading5 Ways To Overcome Emotional Attachment To Buy A New Home

What’s In A Home Insurance Policy? Know The Details Before A Fire Occurs

  • Post published:2023-08-11
  • Post category:Investing

With the tragic fire that occurred in Lahaina, Maui, it's important to review your home insurance policy and understand what it does and does not cover. You also need to have contingency plans in case your house burns down. If you…

Continue ReadingWhat’s In A Home Insurance Policy? Know The Details Before A Fire Occurs

The Secret Creation Of Trust Fund Jobs For Status, Purpose, And Relevance

  • Post published:2023-08-09
  • Post category:Investing

If you or your spouse are rich, consider creating a trust fund job. This way, you'll gain more status, stay relevant, and deflect suspicions that you are an unproductive member of society. The older I've gotten, the more I realize there…

Continue ReadingThe Secret Creation Of Trust Fund Jobs For Status, Purpose, And Relevance

Adjust Your Extra Principal Automatic Mortgage Payment When Rates Rise

  • Post published:2023-08-07
  • Post category:Investing

I realized something important for all of you who have automatic mortgage payments and also like to automatically pay down extra principal each month. It is don't forget to adjust your mortgage autopay amount when rates change. When I refinanced a…

Continue ReadingAdjust Your Extra Principal Automatic Mortgage Payment When Rates Rise

The Things We Learn After Being Apart For A While

  • Post published:2023-08-04
  • Post category:Investing

After successfully replacing her lost passport, my wife finally got to Tokyo, Japan to help her mother out with her mother's sister's estate issues. At times, it felt like mission impossible coordinating the trip, booking the hotels, going to the countryside…

Continue ReadingThe Things We Learn After Being Apart For A While

If You Want To Get Rich, Make Sure To Get Really Rich

  • Post published:2023-08-02
  • Post category:Investing

If you want to get rich, you might as well aim to get really rich. Being so-so rich, or mass affluent, where your household earns multiple six figures and has a single-digit million net worth, is not bad. But you'll likely…

Continue ReadingIf You Want To Get Rich, Make Sure To Get Really Rich

A Summer Job Landscaping A Rental Property With My Children

  • Post published:2023-07-31
  • Post category:Investing

During the summer, I like to work odd jobs to remind myself of the importance of hard work and determination. This way, it helps me not take for granted the things that I have today. Since starting Financial Samurai in 2009,…

Continue ReadingA Summer Job Landscaping A Rental Property With My Children

Finance Is Only The Language Of The Elite If People Don’t Learn It

  • Post published:2023-07-28
  • Post category:Investing

I watched something on TikTok that made a good point. The premise is that Finance is the language of the elite. It sounds presumptuous and elitist, but it could be true! Have a watch or a listen and see if you…

Continue ReadingFinance Is Only The Language Of The Elite If People Don’t Learn It

The Worst State To Live And Work In America Is Texas?

  • Post published:2023-07-26
  • Post category:Investing

CNBC got folks fired up when it came out with its top 10 worst states to live and work in. Texas, a state with a population of almost 30 million, came in as the worst state. I've been to Austin and…

Continue ReadingThe Worst State To Live And Work In America Is Texas?

Real Estate Risks & Opportunities With Ben Miller, CEO Of Fundrise

  • Post published:2023-07-24
  • Post category:Investing

In this podcast episode, I speak with Ben Miller, Co-Founder and CEO of Fundrise. We discuss the various opportunities and risks he sees for real estate and stock investors over the next 12-24 months. For the several years that I've known…

Continue ReadingReal Estate Risks & Opportunities With Ben Miller, CEO Of Fundrise

When To File For Unemployment Benefits If You Receive WARN Act Pay

  • Post published:2023-07-21
  • Post category:Investing

If you've been laid off from an employer with 100 or more full-time employees, you are eligible for Federal WARN Act pay. An employer must provide written notice to employees 60-days prior to a plant closing or a mass layoff. In…

Continue ReadingWhen To File For Unemployment Benefits If You Receive WARN Act Pay

Buying A Home With Contingencies: Like Getting A Free Call Option

  • Post published:2023-07-19
  • Post category:Investing

In my quest to upgrade homes, I've come to realize that buying a home with contingencies is like getting a free call option. Your likely worst case scenario is that you make nothing. But your best case scenario is that you…

Continue ReadingBuying A Home With Contingencies: Like Getting A Free Call Option

Personality Scores By Race: The Differences Are Unbelievable

  • Post published:2023-07-17
  • Post category:Investing

Although the Supreme Court striking down of Affirmative Action for college admissions is disappointing for many, there are some positives. One such positive is less stereotyping about how someone got into college. Another positive is that legacy admissions is now on…

Continue ReadingPersonality Scores By Race: The Differences Are Unbelievable

How To Make Money On Homes With Wrong Square Footage

  • Post published:2023-07-14
  • Post category:Investing

Now that you know why a home's accurate square footage is important, it's time to exploit the inconsistencies and make some money! Every home buyer is a real estate investor, whether they know it or not. I always encourage homebuyers to…

Continue ReadingHow To Make Money On Homes With Wrong Square Footage

When Advertised Home Square Footage Is Different From Tax Records

  • Post published:2023-07-12
  • Post category:Investing

If you're buying a home, you should compare the home's advertised square footage with the official square footage on the Multiple Listing Service (MLS) and tax records. Your goal is to uncover any discrepancy and understand why the discrepancy exists. The…

Continue ReadingWhen Advertised Home Square Footage Is Different From Tax Records

How Much People Want In Retirement Vs. How Much They Actually Have

  • Post published:2023-07-10
  • Post category:Investing

I wrote about the various paradoxes of wealth based on a Charles Schwab Modern Wealth Survey. In this article, I want to highlight another wealth paradox based on the amount people expect they need in retirement versus how much they actually…

Continue ReadingHow Much People Want In Retirement Vs. How Much They Actually Have

It’s OK To Sell Stocks Once You’ve Made Enough To Buy What You Want

  • Post published:2023-07-05
  • Post category:Investing

Everybody should have some investments in stocks. Although stocks provide zero utility, some stocks provide dividend income and all stocks have the potential for capital appreciation. Since 1926 the S&P 500 has returned about 10% on average a year. Further, at…

Continue ReadingIt’s OK To Sell Stocks Once You’ve Made Enough To Buy What You Want

Reasons To Strive For Financial Independence: That FI Feeling

  • Post published:2023-07-01
  • Post category:Investing

I first wrote this post about financial independence in 2012, soon after I had left my day job in the finance industry. It was a 13-year slog, but I was thrilled and also a little worried about the unknown. The idea…

Continue ReadingReasons To Strive For Financial Independence: That FI Feeling

How To Calculate The Value Of A College Degree

  • Post published:2023-06-30
  • Post category:Investing

Let's say you've just graduated college and have a negative net worth due to student debt. Don't fret. You actually have a higher net worth than you think! This post will help you calculate the value of a college degree. A…

Continue ReadingHow To Calculate The Value Of A College Degree

The Joy Of Low Expectations: When Nobody Believes In You

  • Post published:2023-06-28
  • Post category:Investing

After every tennis match I lost in high school, my father would console me by saying, “You just weren't good enough.” Those words stung each time I heard them. But they were true. Over time, my dad stopped coming to my…

Continue ReadingThe Joy Of Low Expectations: When Nobody Believes In You

The Paradoxes Of Wealth: Many Misaligned Beliefs About Money

  • Post published:2023-06-26
  • Post category:Investing

The 2023 Charles Schwab Modern Wealth Survey highlights the paradoxes of wealth in America. Over 1,000 individuals of all different backgrounds filled out the survey. Overall, the survey, conducted between March 1 and March 23, 2023, says it takes a net…

Continue ReadingThe Paradoxes Of Wealth: Many Misaligned Beliefs About Money

Explaining The “Life Goes On” Home-Buying Cycle

  • Post published:2023-06-23
  • Post category:Investing

Why the heck are home prices not going down more with mortgage rates so high? In many parts of the country, home prices are actually going up! The answer to this conundrum is partly due to the “life goes on” home-buying…

Continue ReadingExplaining The “Life Goes On” Home-Buying Cycle

Entitlement Mentality Is A Sneaky Wealth Destroyer

  • Post published:2023-06-21
  • Post category:Investing

After a 3-year COVID pause, student loan interest will resume starting on Sept. 1, 2023, and payments will be due starting in October,” according to the Department Of Education. “We will notify borrowers well before payments restart.” Given the pandemic was officially…

Continue ReadingEntitlement Mentality Is A Sneaky Wealth Destroyer

Having Absurd Dreams Are OK Because Sometimes They Come True

  • Post published:2023-06-19
  • Post category:Investing

In one of my recent newsletters, I supposedly wrote something absurd. It didn't occur to me I was being absurd until a reader called me out. Read for yourself the introduction before I got into stocks, the economy, and more. Happy…

Continue ReadingHaving Absurd Dreams Are OK Because Sometimes They Come True

Blind Spots For Fathers Who Think They Are Doing A Great Job

  • Post published:2023-06-17
  • Post category:Investing

One of the fun things about giving up on retirement is preparing for upcoming job interviews. I probably gave over 300 interviews myself when I was working in banking from 1999 – 2012. One of my favorite interview questions is asking…

Continue ReadingBlind Spots For Fathers Who Think They Are Doing A Great Job

My Regret Of Not Taking The Money Due To Company Loyalty

  • Post published:2023-06-15
  • Post category:Investing

For those who follow golf, there was a blockbuster announcement that the PGA Tour would merge with the LIV Golf League. Nobody expected the PGA Tour to merge with LIV because the PGA Tour had been adamant in its disdain for…

Continue ReadingMy Regret Of Not Taking The Money Due To Company Loyalty

An Asian-American’s Perspective On Affirmative Action In College Admissions

  • Post published:2023-06-12
  • Post category:Investing

With the Supreme Court decision on affirmative action in college admissions imminent, I thought it would be fascinating to see what artificial intelligence (using ChatGPT) thinks about the topic. This way, we can hopefully get a more balanced perspective about affirmative…

Continue ReadingAn Asian-American’s Perspective On Affirmative Action In College Admissions

Why Renters Also Won Big During The Pandemic: Higher Utilization Rates

  • Post published:2023-06-09
  • Post category:Investing

As a landlord who did a post-mortem pandemic review, I've come to realize renters also won big once the lockdowns began. I'm not talking about the renters who decided to stop paying rent even though they continued to be gainfully employed.…

Continue ReadingWhy Renters Also Won Big During The Pandemic: Higher Utilization Rates

The Easiest Way Landlords Can Automatically Increase Rent (With Minimum Tension)

  • Post published:2023-06-07
  • Post category:Investing

Every landlord wants to increase rent to at least keep up with inflation. However, regularly increasing rent is hard to do. Let me show you how you can increase rent with minimum tension. Recently, I received a surprise automatic rental increase…

Continue ReadingThe Easiest Way Landlords Can Automatically Increase Rent (With Minimum Tension)

No Regrets Getting An ARM Despite Higher Mortgage Rates

  • Post published:2023-06-05
  • Post category:Investing

On August 1, 2020, I took out a 7/1 adjustable rate mortgage (ARM) at 2.125%. I could have gotten a 30-year fixed-rate mortgage for 2.75%. However, I wanted to save 0.625% in interest. Years later, mortgage rates have zoomed higher thanks…

Continue ReadingNo Regrets Getting An ARM Despite Higher Mortgage Rates

The Risks Of Upgrading Homes Nobody Really Thinks About

  • Post published:2023-05-31
  • Post category:Investing

I currently have an opportunity of upgrading homes but am unsure whether it's the right move. Maybe you're going through this dilemma as well and need to talk things through. The house I wanted to buy a year ago failed to…

Continue ReadingThe Risks Of Upgrading Homes Nobody Really Thinks About

Active Funds: Why Wealthy People Continue To Invest In Them

  • Post published:2023-05-29
  • Post category:Investing

Have you ever wondered why wealthy people are more willing to invest in hedge funds, venture capital, venture debt, private equity, and specialty funds? These are all actively-run funds that mostly have a history of underperforming the S&P 500. Yet, billions…

Continue ReadingActive Funds: Why Wealthy People Continue To Invest In Them

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