The Financial Samurai Podcast

I think sometimes, we focus too much on saving, investing, and working hard to build more wealth. Instead, there's an easier way, and that's finding a partner with your same ideals.  Post mentioned: https://www.financialsamurai.com/my-secret-to-retiring-early-with-only-a-4-million-net-worth-and-two-kids/

If you want to have a better retirement, feel less stressed, and be happier, follow a dynamic safe withdrawal rate.  Posts mentioned: https://www.financialsamurai.com/dynamic-safe-withdrawal-rate-in-retirement/ https://www.financialsamurai.com/withdrawal-rate-in-retirement-bear-market/ https://www.financialsamurai.com/the-negatives-of-early-retirement-life-nobody-likes-to-talks-about/

Have you ever wondered how some millionaires and multi-millionaires can pay zero federal income taxes? You'll find out how in this post. Posts referenced:  https://www.financialsamurai.com/how-to-feel-less-guilty-about-paying-no-federal-income-taxes/ https://www.financialsamurai.com/how-to-pay-little-to-no-taxes-for-the-rest-of-your-life/

Here are 8 reasons why you may want to invest in private funds. There are a couple reasons that nobody really talks about or thinks about that could make you a lot more money than you think. Linked post: Why Invest In Private Funds Despite High Fees

The Fed has finally started to raise rates for the first time since December, 2018. Let's look at how stocks have performed during previous rate hike cycles and how higher Fed Funds Rates will impact borrowing costs across different sectors. Posts with graphs mentioned:  Stock Market Performance During Previous Rate-Hike Cycles Fed Rate Hikes Won't Significantly Impact Borrowing Costs For an easy...

Unfortunately, there's a high likelihood a recession will arrive in the U.S. over the next 12 months. Let me share four reasons why and what to do about it. Also, a discusson between a bear market and a recession.  Post Mention: Recession Indicator Charts

As a student of finance, here are five important financial observations I observed since Russia started a war with Ukraine. Knowing these five things might protect your finances and your livelihood in the future. Posts mentioned: Financial Observations Since The Start Of The War Financial SEER: How To Quantify Your Risk Tolerance

Inflation hit a 40-year high at 7.5% recently. There also seems to be a lot of panic and misguided fears. Here are 3 reasons why inflation will fade by the end of the year and to not worry.  Post mentioned: How To Hedge Your Bets After You've Made A Mistake

With 2022 off to a rocky start, I thought it would be good to discuss about capital preservation investments and the right contribution order between your investment accounts. The Right Contribution Order Capital Preservation Investments

Here is my 2022 stock market forecast and the reasons why. It's going to be a much tougher year to make money in the stock market, which is why I recommend allocating capital to other risk assets for greater risk-adjust returns.  Posts mentioned: 2022 Stock Market Forecast Why Real Estate Is Preferred I nvestment Returns vs. Active Income

Here is my 2022 housing market forecast where I predict how much the median home price will increase, the 11 reasons why I think they will, and the areas of the country with the most opportunity. Enjoy! Select posts mentioned: 2022 Housing Market Forecast (see the charts) Foreigns Are Coming To Buy Up Our Homes It's Time To Focus On Big City Living Again

Being an entrepreneur might sound nice, but the pressure is always on. The benefits of being an employee are the most apparent during the winter holidays. Appreciate being able to make money while on vacation. It's one of the best perks you'll miss. Posts mentioned: How Much You Have To Make As An Entrepreneur To Replace Your Day Job Income 10 Best Reasons To Start An Online Business Today Reflect...

When you can borrow money at a negative real interest rate and invest in a guaranteed positive real return, you've got it made! Let's discuss this fascinating scenario for investors. Posts Mentioned: I Bond Returns Negative Real Mortgage Rates

CEO of Better.com Vishal Garg said 250 of the 900 people he laid off were stealing from him and his clients by only working two hours a day. Is slacking off considered stealing if you are getting your work done? My wife and I discuss. Relevant posts: The Best Time To Work Is During A Pandemic In Search For The Two-Hour Work Day The Top 10 Worst Times To Retire  

Investing in two target-date funds for my children's 529 plans has cost me over $30,000 so far in lost profits. Here are some downsides to target-date funds and who should invest in target-date funds.  Mentioned post: The Problem With Target Date Funds Historical Returns Of Different Stock And Bond Portfolio Weightings Different Investing Strategies For Different Life Stages Recommended 529 Plan A...

Although inflation is at its highest rate in 30 years, inflation should normalize in 2022 and beyond. Instead, we should start worrying about a boom BUST cycle due to excess supply in the future.  Posts mentioned: Cities Most At Risk Of A Housing Downturn

In a bull market, it's easy to get carried away. Just be careful not to think you're an investing genius when it's really the bull market that is helping you make winning investments.  Work on building your strong mind for more financial security . It's your ultimate secret weapon!  Posts mentioned:  https://www.financialsamurai.com/the-ultimate-source-of-financial-security-your-strong-mind/ https...

We only have about a 20-year window to own the nicest house we can afford. After this 20-year window closes, it will likely be shut forever. If you're looking to buy a nicer home, let's explore when we should spend the most money on where we live. Posts Mentioned: Primary Residence As A Percentage Of Net Worth Guide How A Big Expensive House Can Ruin Your Life The Best Time To Own The Nicest House...

There is a tremendous amount of data that can help you make better investment decisions. One strategy I used was the FS20 guide for property buying. Another interesting data source is the Yelp Economic Average report for buying stocks. Let's discuss! Posts mentioned: The FS20 Property Indicator For Buyers Health And Fitness Stocks: The Last Reopening Trade  

Social Security is our national pension fund that is underfunded by about 22%. With a massive cost-of-living adjustment in 2022, Social Security actually robs from poorer generations to give to the wealthiest generation of all time! Let's discuss why Social Security is actually turning out better than expected and how we should change our retirement planning.  Posts mentioned: Social Security Cost...

I've thought a lot about doing a Roth IRA conversion lately given it might go away in 2022 and beyond. But I've come to the conclusion that for most people, converting to a Roth IRA won't save you any taxes. Instead, contribute to a Roth IRA when you can and just keep your traditional IRA and other retirement vehicles. Here's the analysis. See post for more: A Roth IRA Conversion Is Probably A Was...

As a public school graduate and parent, the debate between public school versus private school is fascinating. I think for the vast majority of people, going to public school and handing your kid a $1 million check upon graduation is the way to go. Posts mentioned: https://www.financialsamurai.com/why-public-schools-will-rank-higher-than-private-schools/ https://www.financialsamurai.com/the-wide-i...

Is the grass greener on the other side? Maybe! But it sure seems like work is awesome for knowledge workers during the pandemic. I discuss this topic with my wife. We'll talk about public school rankings later! Posts mentioned: Working During A Pandemic How To Convince Your Spouse To Work Longer So You Can Retire Earlier

Are you feeling less and less motivated to work because your investment  returns are surpassing your active income? Let's discuss the crossover point where spending any amount of time working no longer makes sense. I've talked to regular income-earning folks and folks making millions a year. The growing feeling of apathy towards work is the same! Post: When Investment Returns Are Greater Than Acti...

If you dare to publicly think ahead, you may be beaten over the head. However, it's important to always plan for the future and forecast how things might turn out if you want to build greater wealth and happiness.  Come up with a Blue Sky, Realistic, and Bear Case model. You won't be able to forecast all the events that will happen in the world. But if you plan ahead, you will be better prepared t...