Robuta

In late 2022, my wife and I were finally able to lock in matching 20-year term life insurance policies at an affordable rate through Policygenius. For five...

A mortgage refinance today can take a very long time due to much tighter lending standards. Ever since the financial crisis in 2008-2009, banks have really...

Dear Financial Samurais, The May CPI came in lower than expected at +0.1% MoM and +2.4% YoY, with core inflation at +2.8%. These are relatively benign figures,...

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Here's my July 2020 recap. From now until the end of the year. I've decided to focus mainly on the positives. It's too easy to get caught up in the negatives,...

December is generally a higher expenditure month given the holidays and tempting sales galore. I would ideally like to keep my personal credit card bill in the...

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When you reach financial independence or retirement you may eventually experience a sense of emptiness. After years of hard work, aggressive saving, and smart...

As a real estate investor, it's important to understand the different levels of financing with each real estate project. The better you understand the...

I've always preferred real estate over stocks as a way to build meaningful long-term wealth. To be able to just live in your home and get rich without much...

If you are a FIRE adherent, then you have likely mastered the art of saving and investing aggressively. While your neighbors and colleagues splurge on new...

People have been freaking out lately by a weak US dollar. I'm here to tell you it doesn't really matter. Did you know that 60% of Americans have never left the...

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For the record, I believe having at least 10 million dollars is the ideal amount of money to retire early today. Given interest rates have come down over the...

Introducing Financial SEER: Samurai Equity Exposure Rule

Investing you tax refund instead of spending it is recommended. If you want to achieve financial freedom, it's not enough to aggressively save most of your...

This week's newsletter is sponsored by Fundrise, my favorite platform for private real estate investing. With stock market volatility on the rise and a...

When it comes to selling a home, first impressions are everything. Yet, many sellers make the mistake of thinking buyers can look past an empty room, outdated...

Merry Christmas and Happy Holidays, everyone! I'm spending the week with my parents in Oahu and wanted to share my latest travel adventure. Personally, I can't...

One of the things that gives me great comfort about the health of the U.S. economy is our historically low household leverage (liabilities to net worth)....

This is the October 6, 2024 free Financial Samurai newsletter. To join 60,000+ others looking to achieve financial freedom sooner, subscribe here. Financial...

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The 2020 Democratic Presidential Primaries was a crowded field with at one point, 23 confirmed candidates, on exploratory committee, and multiple 'maybes.' Joe...

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The value of owning a big, beautiful home is underappreciated. Somewhere along the way, the personal finance world began favoring minimalism and smaller living...

A place where Financial Samurai readers and forum members can organize meetups and build real world community.

This newsletter is sponsored by Fundrise, my favorite platform for investing in private real estate and venture capital. With nearly $3 billion in assets under...

If you hate working out, hire a personal trainer to get you motivated. A personal trainer will help kick your ass when you don't want to do anything. Working...

In my new instant USA TODAY national bestseller, Millionaire Milestones: Simple Steps to Seven Figures, I share the strategies, mindset, and lessons that...

Core Principles Of The Financial Samurai

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As someone who literally wrote the book on how to negotiate a severance package, I love severance case studies! The second rule of FIRE (Financial Independence...

When it comes to maximizing tax-free income and withdrawals in retirement, understanding what retirement portfolio withdrawals is considered income or capital...

If you're a FIRE parent, one of your biggest concerns might be raising a spoiled and entitled child who takes hard work and money for granted. If this happens,...

Dear Financial Samurais, What a tough start to the year. From the devastating Southern California fires to the bond and stock market sell-off, 2025 is shaping...

The odds of a recession are rising, fueled by an ongoing trade war that could drive up prices, slow consumer spending, and trigger mass layoffs or business...

How do you choose between love or career? Both could last a lifetime, but perhaps not simultaneously. Yet some lucky people find and manage both beautifully....

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A place where Financial Samurai readers and forum members can organize meetups and build real world community.

The Financial Samurai Underdog Tour - Page 2

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Dear Financial Samurai, I am noticing individual stocks getting blown up left and right lately while the S&P 500 struggles to stay even. Names such as UNH,...

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Financial Samurai - Forums - Index

As an investor, understanding financial ratios is important to help assess the current state of a company. For example, we have P/E ratios, debt/equity ratios,...

Dear Financial Samurais, With the S&P 500 down for four consecutive weeks and the potential for reciprocal tariffs on April 2, the market feels like it's in a...

How much money do you need to feel financially comfortable or wealthy? The answer depends on where you live, your household size, and your lifestyle desires,...

A 5/1 ARM is a loan with a fixed rate for the first five years. After that, it has an adjustable rate that changes once each year for the remaining life of the...

Let's take a look at the average effective tax rate and how to lower it. With President Biden now in office, the capital gains tax rate and marginal income tax...

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This is the free Financial Samurai newsletter for September 29, 2024. Join 65,000 other readers and subscribe here. This way, you'll never miss a thing....

This week's newsletter is brought to you by Buy This Not That: How To Spend Your Way To Wealth And Freedom. I just picked up another copy last week and the...