Category: Finance

If you want to FIRE, one of my regrets was pulling the ripcord too early […]

During a bull market, most investors get excited about chasing risk. Despite sky-high valuations, there’s […]

The older I get, the more I dislike being a landlord. There’s too much potential […]

I haven’t checked my net worth for four months until recently. That wasn’t on purpose, […]

Embattled Federal Reserve Governor Lisa Cook is facing accusations of mortgage fraud—specifically, owner-occupancy mortgage fraud. […]

I recently had a zero-coupon Treasury Bill redeem in the amount of $102,000. This money […]

If you decide to forsake making maximum money to become a FIRE parent or stay-at-home […]

If my posts on the mistake of chasing value stocks or the need to invest […]

Back in 2012, I thought I had finally conquered financial FOMO after walking away from […]

In my post, “How You’ll Feel Achieving Various Millionaire Milestones,” a commenter named Joseph shared these thoughts: […]

Since writing about FIRE in 2009, I’ve favored investing in growth stocks over value stocks. […]

This type of post only surfaces during a bull market, when greed tug at us […]

After a week of reviewing the tax-free exclusion rule for selling a rental property, I […]

On the latest episode of the Financial Samurai podcast, I sat down with Ben Miller, cofounder and […]

When I worked at Goldman Sachs and Credit Suisse, we would occasionally bring a hot […]

In Spring 2025, I sold one of my properties and successfully excluded $500,000 in capital […]

Since starting Financial Samurai in 2009, I’ve encouraged folks to keep an open mind and […]

As soon as both my children were born in 2017 and 2019, I superfunded their […]

When I lived overseas, one of the most celebrated aspects of my international schools was […]

After remodeling a fixer I bought in 2019 between 2019–2022, I swore I would never […]

One of the main reasons I refused to spend a small fortune renting a vacation […]

How much money do you need to feel financially comfortable or wealthy? The answer depends […]

I love index funds and ETFs for their low-cost nature and simplicity of ownership. However, […]

Imagine spending your life building wealth, investing in real estate, stocks, or your business, with […]

The value of owning a big, beautiful home is underappreciated. Somewhere along the way, society […]

One of the things that gives me great comfort about the health of the U.S. economy is […]

A typical supercommuter spends 90 minutes or more one way commuting to work or school. As the […]

On July 3, the House narrowly passed the One Big Beautiful Bill Act (OBBBA) with a 218–214 […]

If you became a newly minted millionaire, where would you migrate to? Due to inertia, […]

Ever since I left my day job in 2012, I’ve used a form of the […]

We’re staying with our parents for five weeks in Honolulu, and I wanted to share […]

About a year ago, a relative asked me to help manage her money. She had […]

I’m convinced that if you wake up just one hour earlier every day for the […]

When the U.S. bombed three locations in Iran, my initial reaction was a mix of […]

If you want to grow your wealth faster than the average person, I suggest trying […]

When I first started Financial Samurai back in 2009, I had idyllic dreams of helping […]

One of the most overlooked risks in real estate investing isn’t rising interest rates, leverage, […]

When my son was born in 2017, I decided to focus on being a stay-at-home […]

In late 2022, my wife and I were finally able to lock in matching 20-year […]

I recently received a question that boils down to this: How do you know when […]

Feeling burned out and underappreciated? Tired of managing people and just want to focus on […]

I’ve been focused on building passive income since 1999, back when I had to be […]

I’ve been focused on building passive income since 1999, back when I had to be […]

Have you heard of the no-spend chalenge? It’s a popular concept among budget-minded and minimalist […]

If you are a parent, your mission is clear: develop into a rich Bank of […]

There is more wealth out there than you think. But the government and media sometimes […]

After publishing Why We Keep Spending Even Though We Know We Shouldn’t, I realized something important: […]

Spending money is an American pastime. With a national saving rate hovering around 5%, it’s […]

When you decide to sell a house, you might encounter a preemptive offer—a bid that […]

About once a month, I get an email or comment from a reader criticizing adjustable-rate […]

Believing you deserve to be rich is one of the most powerful psychological tricks to […]

I’m bullish on real estate. Yet I recently sold another rental property. This type of […]

During the recent stock market correction, I decided to buy the dip. But this time, […]

Before I retired from finance in 2012, I struggled with chronic back pain, sciatica, and […]

To celebrate the launch of Millionaire Milestones: Simple Steps To Seven Figures, I want to share […]

After three years of writing, rewriting, and refining, I’m thrilled to officially celebrate the launch […]

There comes a moment when your child might look up and say, with wide-eyed innocence: […]

If we’re not already in a recession, we may soon enter one due to aggressive […]

If you’re a personal finance enthusiast with kids, you’ve probably wondered: at what household income […]

Nobody enjoys a stock market downturn, especially those who rely more on returns to survive […]

In 1997, Gary Winnick founded Global Crossing, a company with the bold vision of laying […]

To celebrate the launch of my new book, Millionaire Milestones: Simple Steps To Seven Figures, […]

When it comes to saving for retirement, knowing which account to fund first is like […]

Only when the stock market goes down do people start to wonder whether they have […]

When it comes to selling a home, first impressions are everything. Yet, many sellers make […]

The first year after purchasing a house is the most dangerous and potentially challenging period. […]

With a likely recession and potentially stagflation on the horizon, I suspect many more families […]

Creating an investment game plan is a crucial part of building lasting wealth. Without one, […]

As stocks plummet and recession fears grow, there’s one silver lining worth highlighting: the increasing […]

Reciprocal tariffs will drive up the cost of most goods, making everyday life more expensive […]

Well, folks, after 16 years of diligently writing three free posts a week, I’ve finally […]

Stagflation is a rare and challenging economic condition where slow or stagnant growth, high unemployment, […]

One of my goals is to put my kids to work so they can earn […]

Back in 2019, I remember being surprised at a survey by toy maker Lego that […]

To my dismay, my beloved hot tub stopped working the other day. It had been […]

Since 2009, I’ve been writing about the importance of working to live—accumulating wealth to achieve […]

Despite the wonderful peace of mind that comes with owning a home free and clear, […]

While visiting my parents in Honolulu this past winter, I ended up driving my dad’s […]

As I sadly watch my stock portfolio correct by over 10%, I find serenity in […]

Unfortunately, the chances of another recession are increasing, largely due to the uncertainty set forth […]

Let’s say you’ve come into a large sum of money—perhaps $1 million or more from […]

With fears of a recession rising again largely thanks to the Trump administration’s aggressive policy […]

As I watch my stock portfolio correct, I take solace in knowing that my real […]

I recently came across an eye-opening chart by the National Association of Realtors showing that […]

If you don’t believe the world will grant your children a fair chance to succeed, […]

If you knew that no matter how hard you tried, success was impossible or practically […]

I keep reflecting on how incredible 2024 was. With the S&P 500 up 23%, Bitcoin […]

Unless you are incredibly rich, it’s highly likely that your vacation property is smaller than […]

There are plenty of reasons people choose not to have kids, with the cost of […]

When I lived in the Marina neighborhood of San Francisco, I could walk to endless […]

Recently, I went off the deep end—living like a degenerate gambler and party animal—and I […]

One of the reasons I left my job at Credit Suisse was that I no […]

If there’s one lesson I’ve learned the hard way in real estate, it’s that a […]

On February 6, 2025, the White House announced a series of tax cuts primarily benefitting the middle […]

The beauty of hard work is that any able-bodied person can do it. If you […]

As a stock market investor, I’m disappointed in the new tariffs President Trump has imposed—10% […]

As someone who literally wrote the book on how to negotiate a severance package, I […]

One adjustment I’m making to my net worth asset allocation is reducing exposure to closed-end […]

China’s DeepSeek has shaken up the AI world with the release of an open-source AI […]

After over two years of writing and editing, I’m thrilled to finally share my upcoming […]

If there’s one thing I don’t recommend, it’s buying stock on margin. Due to the […]

In this Financial Samurai podcast episode, I speak to Ben Miller, co-founder and CEO of Fundrise about […]

A couple earning $500,000 a year should feel rich, right? That’s top 2% territory in […]

Did you know that a whole life insurance policy can actually help you make money? […]

With the tragic fire that occurred in Lahaina, Maui, hurricanes ripping through Florida yearly, and […]

2025 has gotten off to a rough start with devastating fires and corrections in stocks, […]

Artificial intelligence (AI) is causing an existential crisis for many workers, myself included. With the […]

One of my goals for 2025 is to simplify life by selling a rental property. […]

One of the biggest reasons I was against contributing to a Roth IRA is my […]

If you’re a FIRE parent, one of your biggest concerns might be raising a spoiled […]

Happy New Year everyone! I hope you’re enjoying the time off and doing some reflecting. […]

With 2024 almost done, I’d like to share my year in review. For the vast […]

As we wrap up 2024, it’s time to highlight the best posts from Financial Samurai […]

Merry Christmas and Happy Holidays, everyone! I’m spending the week with my parents in Oahu […]

When you reach financial independence or retirement you may eventually experience a sense of emptiness. […]

“Flexing” is a slang term that means showing off or boasting about one’s accomplishments, possessions, […]

With another strong year in the stock market, it’s time for investors to celebrate! While […]

After speaking to dozens of parents, a principal a couple of times, and a financial […]

Real estate is inherently local, with property values closely tied to the economic drivers and […]

Now that I’ve shared the 2025 S&P 500 target price forecast, let’s dive into housing […]

Sin—actions deemed morally wrong or harmful—can be difficult to resist, especially when money is involved. A […]

I recently had dinner with Steve Chen, founder of Boldin, in San Francisco, and I’m […]

There’s a lot of enthusiasm for Roth IRA conversions and Mega Backdoor Roth IRAs—and for […]

The 2025 Wall Street S&P 500 forecasts are rolling in, and so far, the outlook […]

I firmly believe that above-average wealth is largely a result of luck. If we fail […]

The Santa Claus Rally refers to a historically observed stock market phenomenon where U.S. equity markets tend […]

Ever since I started saving for retirement in 1999, I’ve been a proponent of tax-deferred […]

Health insurance is one of the most complex and aggravating topics for both consumers and […]

If you want to optimize your life, it’s essential to understand the concept of Return […]

Being financially independent means having enough passive income to cover your essential or desired living […]

I had the pleasure of speaking with Bill Bengen, creator of the “4% Rule” for […]

After reviewing my analysis on a conversation I had with a financial professional in 2013, […]

One reason many people shy away from competition is that they dislike losing. With often […]

The 401(k) contribution limit for employees in 2025 has increased to $23,500, up from $23,000 […]

With Donald Trump set to become the 47th President of the United States, it’s natural […]

Every time a political candidate asks if you’re better off than four years ago, I […]

The IRS has announced new income limits for its seven tax brackets for 2025, with […]

Out of all the things you could donate your hard-earned money to, giving to your […]

As an investor, it’s essential to understand that risk assets come with no guaranteed returns. […]

Since the bottom of the global financial crisis in July 2009, the S&P 500 has […]

Before retiring in 2012, I didn’t fear boredom or loneliness. It never occurred to me […]

October 2024 marks one year since I purchased the most expensive house I could afford. […]

Empower is offering free financial consultations until October 31, 2024, for anyone with over $250,000 […]

This guest post is by Vaughn, a long-time Financial Samurai reader who retired at 44 […]

One of the worst experiences for a homeowner is filing a home insurance claim only […]

Retiring early with a severance package is one of the smartest ways to leave the […]

As a parent, your top priority is to protect your children until they are old […]

There are two things most financially-conscience people aspire to: retiring rich or retiring early. But […]

For about 10 years, my father has been my primary editor on Financial Samurai. When […]

One of the most significant developments to come out of the pandemic, if not the […]

I remember being a broke college student during my senior year at The College of […]

Recently, I hit a major milestone in my journey to overcome what I like to […]

Have you ever walked into a home and instantly felt cozy, even in the heart […]

At long last, after four years, the Federal Reserve has finally cut the Fed Funds […]

If you’re increasing your safe withdrawal rate for retirement now, you’re likely making a mistake. […]

With record-high home equity and declining mortgage rates, the temptation to do a cash-out refinance […]

In my post about illegal immigration, a commenter pointed out that I was lucky to […]

Like millions of others, I watched with intrigue the first—and potentially only—Donald Trump and Kamala […]

At long last, the time has finally come for the Fed to begin cutting rates […]

In 2013, Students for Fair Admissions (SFFA) filed a lawsuit against Harvard University in the […]

One of the investing strategies growing in popularity with the wealthy is Direct Indexing. Before […]

In April 2017, I made a commitment to be a stay-at-home parent for the first […]

Since I purchased my house in October 2023, I’ve been feeling broke. I’m living paycheck […]

Last month, I missed a $25,000 capital call without even realizing it. The Managing Partner […]

Needless to say, a $20 million net worth is a substantial amount of money. It […]

Like most people, I enjoyed watching the Olympics. Some of us might even imagine our […]

If you’re a real estate investor with children, you may face two significant challenges or […]

With the real estate industry finally lowering commission rates after August 17, 2024, a battle […]

I recently received an email from an agent at Sotheby’s, a prominent real estate brokerage […]

In a previous post, I discussed the futility of working when your net worth is […]

The latest stock market correction cost me about five times what I made consulting part-time […]

Life is easier when you can make a positive connection with other people. As I […]

Starting on July 16, 2024, we had a mini-stock market crash with the S&P 500 […]

Starting at age 45 in 2022, I consciously started focusing on decumulating wealth. I realized […]

In today’s world, we are increasingly aware of the challenges that affect our mental health. […]

Money dysmorphia is a negative and unrealistic perception of one’s financial wellness or position. If […]

With elections approaching, let the political mudslinging and dirt-digging begin! This time, it’s regarding being […]

After publishing my post, “When To Stop Contributing To A 529 Plan,” I felt a […]

After 12 years of FIRE (financial independence retire early), I went back to work. Unfortunately, […]

I’m a fan of both stock dividends and rental property income, my two favorite sources […]

There’s a classic saying, “Youth is wasted on the young.” It’s meant to convey that […]

Everyone with children should contribute to a 529 plan. It is a tax-efficient way to […]

The failed assassination attempt on Donald Trump reminds us that more important than political bickering […]

We’ve all heard the phrase, “Be greedy when others are fearful, and fearful when others […]

If you have a rental property that is generating positive cash flow and is expected […]

If you own a rental property and are thinking of selling, don’t do it unless […]

During a recent liquidity crunch, I kept thinking how nice it would be to have […]

In the second half of 2023, I significantly impacted our passive income, causing our household […]

After taking my family on a nine-day vacation to Honolulu, Hawaii, my plan to relocate […]

As an investor, understanding financial ratios is important to help assess the current state of […]

A large part of building wealth involves delaying gratification. Therefore, you might find yourself wondering […]

If you bought a home during a high-interest rate environment, it’s wise to prepare for […]

Since 2003, I’ve been climbing up the property ladder to find the perfect house in […]

If you want career, financial, and social success, don’t beat up your opponents too badly […]

During my days of purchasing homes with mortgages, I had a fondness for adjustable-rate mortgages […]

When my son was born in April 2017, I promised to become a full-time father […]

One of the most common pushbacks I get from some of my investing and economy-related […]

Wondering how much to spend on vacation while being fiscally responsible and still having a […]

Have you ever feared running out of money? I have. This fear is why there’s […]

For over a decade, I’ve been witnessing a phenomenon that has left me scratching my […]