Well, folks, after 16 years of diligently writing three free posts a week, I’ve finally decided to erect a paywall. Originally, starting in 2009, my goal was to provide free financial insights for 10 years to help people achieve financial independence sooner. Success! I’ve always believed that if you’re lucky enough to learn something valuable, you should share it and help as many people as possible.

But as a father of two young children in expensive San Francisco, I need to optimize my time better. I can’t keep spending ~20 hours a week writing for Financial Samurai without compensation. I’m six years past my original 10-year commitment, and punishing college tuition looms large on the horizon.

Meanwhile, future inflation expectations are at their highest levels since 2022, thanks in part to renewed trade wars. Everything—food, clothing, cars, medical services—is getting more expensive. At the same time, the expected 10-year

Keep reading this article on Financial Samurai.