The Financial Samurai Podcast

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 way to invest in real estate, a top-performing sector in a rising interest rate environment, check out Fundrise. Fundrise invests in single-family and multi-family rentals across the Sunbelt.

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 Investment 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 Reflections On Making Money Online Since 2009

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 Amounts By Age

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://www.financialsamurai.com/perpetual-failure-the-reason-why-i-continue-to-save-so-much/

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 You Can Afford

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 Of Living Adjustments $3 Million Is The New $1 Million The New Three-Legged Stool In Retirement

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 Waste Of Time And Money Opening A Roth IRA For Your Kids Is A No Brainer Living A Middle Class Lifestyle On $300,000 A Year

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-implications-of-the-college-admissions-bribery-scandal/ https://www.financialsamurai.com/accept-1000000-to-attend-public-school-over-private-school/

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 Active Income

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 to capitalize. It's your life at stake. Posts mentioned: Proper Safe Withdrawal Rate To Get Rich, Practice Predicting The Future Strong Reasons To Hire A Financial Advisor

Although the U.S. housing market is very strong, there's a likelihood prices could go up even further if it gets as hot as the Canadian housing market. International investors and a self-realization by Americans are the two X factors that could cause the U.S. housing market to jump by another 30% - 75%. Why should Canada have all the fun! Posts Mentioned U.S. Housing Market Upside If Compared To Canada U.S. Real Estate Market: One Of The Cheapest In The World

Investors have gotten surprisingly much wealthier since the pandemic began. Therefore, it's important to protect your assets with an umbrella policy. If you haven't updated your umbrella policy in several years, you are likely underinsured for liability and lawsuits. See: Your Umbrella Policy Needs To Be Updated

The ideal time to contribute to a Roth IRA is when you're young and poor. In other words, if you're a student and in your 20s earning less than the maximum income limit, you should be contributing. However, if you're about the 22% federal marginal income tax rate, it's a push. Tax diversification in retirement is important! https://www.financialsamurai.com/disadvantages-of-the-roth-ira-not-all-is-what-it-seems/ https://www.financialsamurai.com/never-contribute-to-roth-ira/

The housing market is hot, hot, hot! Even though I think with 80% certainly that the housing market will continue to go up every year for the next three years, there's still a 20% chance it could correct. Let me share what happens if you buy a home at the top of the market. If you decide to buy today, make sure you following my 30/30/3 home buying rule! Posts: https://www.financialsamurai.com/what-if-you-buy-a-home-at-the-top-of-the-market-and-a-recession-hits/ https://www.financialsamurai.com/three-home-buying-rules-for-all-to-follow/ https://www.financialsamurai.com/why-the-housing-market-wont-crash/

The retirement philosophy you follow will determine whether you agree with the 4% rule or the Financial Samurai Safe Withdrawal Rate Rule. Posts mentioned: Two Retirement Philosophies To Think About The Proper Safe Withdrawal Rate

Once you have housing FOMO, there's no escape. Your housing FOMO tends to increase dramatically after having kids. Beware! Related post: Why Real Estate Will Always Be More Desirable Than Stocks

Here are 15 reasons why the housing market won't crash. I predict high single-digit price appreciation for the next three years. Stay long and strong.

Let's discuss the absolute biggest negative of paying down your mortgage early. Here are all the negatives of paying down your mortgage early as well.

Are you wondering whether the stock market is in a bubble due to all the mania surrounding Gamestop, AMC Entertainment and more? Let's discuss what happened during past manias and the last time hedge funds lost billions of dollars of their client's money.

2021 Financial Samurai forecast for stocks, bonds, real estate, the economy, and the 10-year bond yield. These forecasts will dictate how I asset allocate and put real money to work to maintain financial freedom or help you gain financial freedom! See post: 2021 Financial Samurai Predictions

Hi Folks! Checking in during the holidays. We've been trying to take things easier and plan for a long winter a head. My wife and I talk about French Laundry, money, kids, and the future.

There are two mortgage market abnormalities worth taking advantage of right now by homeowners and potential homeowners. Further, if economic forecasts are as rosy for 2021 as some banks believe, then mortgage rates will likely go higher. This also means your bond portfolio will likely underperform as well. See the post here.

My wife and I debate whether a lottery admissions or an entrance exam is better for students, teachers, parents, and society. You can read the post here and vote on which is best too.

My wife and I discuss our retirements at 34 and 35, respectively. We also discuss the ideal age we think people should retire if they can. Life is both short and long. We all want to maximize happiness and minimize regrets. Read the post: The Ideal Age To Retire To Minimize Regrets

The demise of big city living is overblown. Big city living has gotten better post pandemic given there's less congestion, less competition, and more living options. I'm focused on buying more big city real estate before the inevitable V-shaped recovery in the next couple of years. See the post here.

What is the right amount of money to give our adult children while we are alive without spoiling the heck out of them? What is the right amount of money to leave our children after we die? I've developed a logical framework to maximize our giving and supporting of our family. See the post here.

The 4 percent rule is outdated. It was established in 1998 when the 10-year bond yield was at ~5 percent. Of course you're never going to run out of money withdrawing at 4 percent when you can make 1 percent more risk-free! Follow the 0.5 percent rule instead for a safe withdrawal rate in retirement. Follow the times or suffer the consequences. Read the post here.

After giving homeschooling a lot of though, my wife and I have decided to go the homeschooling route. COVID-19 was just the catalyst to get us over the hump. We tried preschool for a solid 5 months and enjoyed it. However, there were lots of downsides as well. My wife joins me on this episode.

So you love chasing unicorn stocks to get rich. So do I! However, you should probably be more judicious with your active and passive investing split. It's really easy to get caught up in stock market mania and then blow yourself up. Here's my recommended passive and active investing split by personality so we can get rich more responsibly. Read more here.

For those who are worried about inflation, don't be. There is not going to be inflation or inflation worries for years, if ever. I've got to believe the only people who are worried about inflation are people who took out a 30-year-fixed mortgage or who are against America! Relevant post: Why An ARM Is Superior To A Fixed-Rate Mortgage

It looks like demand for buying a home has hit an 11-year high. Before you buy a home, it's good to know what's going on in the mortgage industry. The mortgage industry / banks hold the key to a steady real estate market. See this post for more charts and details.

Let's have a discussion on how climate change may affect real estate prices. Your desire for a beachfront home might be misplaced. But maybe it's best to live life now! Post: How Climate Change May Affect Real Estate Prices

Wondering whether to pay down your mortgage debt or invest? I go through a logical framework of how to do both, and also highlight the extra benefits of paying off a mortgage: more courage! Mentioned posts: No Mortgage More Courage FS-DAIR: Invest and Debt Framework

Racism is systemic in America. We must speak up and fight back against racism. We must share our stories and hold racists accountable for their actions. Do not stay silent during this time of crisis. Let us do our part in helping end the cycle of hate. Mentioned posts: Dear Minorities, Please Use Racism As Motivation To Achieve Financial Independence The Importance Of Feeling Consistently Uncomfortable For Personal Growth

I've been skeptical about college for a while, but now that the pandemic has hit and tens of millions of jobs are lost and perhaps never coming back, I find college to be too risky of an investment to make for the average middle class family. Pertinent posts: https://www.financialsamurai.com/should-i-go-to-public-school-or-private-school/ https://www.financialsamurai.com/recommended-529-plan-amounts-by-age/ https://www.financialsamurai.com/accept-1000000-to-attend-public-school-over-private-school/

With such a massive 30%+ rebound from the lows in March 2020, the S&P 500 is almost back to 3,000. I discuss why I've de-risked in my taxable investment portfolio. At the same time, I also discuss why you may want to keep holding onto your stocks. Here are some bearish charts and some bullish charts for you to review and consider.