This week, the Treasury department announced Series I bonds will pay an annualized interest from November 1, 2022 through April 2023 of 6.89% , down from the 9.62% rate offered since May 2022. A 2.73% decline is massive. Learn what it means for the economy, stocks, and real estate. Key links: Post to read: It's Easier To Generate More Passive Income In A Bear Market Purchase a hard copy of my instant Wall Street Journal bestseller, Buy This, Not That. It will be the best personal finance book th...
Nov 01, 2022•10 min
Although going through another bear market is a bummer, the positive is we can all generate more passive income! And given we can now generate more passive income we can also get that much closer to financial freedom! Mentioned posts: It's Easier To Generate More Passive Income In A Bear Market How To Have A Risk-Appropriate Asset Allocation When Investing Great Products: NewRetirement - An excellent retirement planning software Fundrise - My favorite way to invest in private real estate and div...
Oct 26, 2022•18 min
Investing during a bear market can be a very emotional experience. Learn how to quantify your risk tolerance, have a more risk-appropriate asset allocation, and feel more calm in any market. Mentioned posts: How To Have A Risk-Appropriate Asset Allocation How To Quanity Your Risk Tolerance With FS SEER How To Enjoy Your Life As The Fed Ruins The World Sign up for free weekly newsletter here . Pick up a hard copy of Buy This, Not That if you want an unfair competitive advantage in building more w...
Oct 18, 2022•19 min
Here's a deep dive into how I'm investing my cash stash in this bear market to make money, stay liquid, and take advantage of the current situation. Post mentioned: How I'm Investing $250,000 In Today's Bear Market . This became a viral post that got picked up by Flipboard and Google. To gain an unfair competitive advantage in building wealth, pick up a hard copy of Buy This, Not That: How To Spend Your Way To Wealth And Freedom . I synthesize my 27 years of investing experience to help you grow...
Oct 03, 2022•16 min
This may be the most important episode you will listen to this month. With interest rates zooming higher, the interest in treasury bonds has also skyrocketed. Learn how to buy treasury bonds directly and on the secondary market. I'll also share my treasury bond buying strategies to help you make more informed decisions. Mentioned post: How To Buy Treasury Bonds One of the main reasons why I wrote Buy This, Not That was to better protect people during downturns. There is simply too much wild Wild...
Sep 28, 2022•20 min
Although the Fed still plans to aggressively hike the Fed Funds rate as inflation and the economy is slowing down, look at the positive. Short-term treasury bills are yielding 4%! Even though the yield curve is inverted , portending to a deeper recession, at least we can earn a higher rate on our risk-free money. If you are a homeowner with a mortgage rate of less than 4%, you can now live for free ! HOORAY! Actions Items Pick up a hardcopy of my new Wall Street Journal bestseller, Buy This, Not...
Sep 20, 2022•8 min
Unfortunately, August 2022 inflation data came in above expectations, resulting in rising bond yields and a collapse in the S&P 500. In this episode, I discuss three ways to perserve capital given stocks will likely struggle for the rest of the year. * High yield cash account Personal Capital Cash * 3-month treasury bills * Heartland real estate to capture strong rents with Fundrise I also share my thoughts on the best time to upgrade to your move-up property . One of the few silver linings ...
Sep 13, 2022•16 min
Ever wonder what the ideal income and net worth is for maximum happiness? Look no further than the income threshold the federal government decided for receiving student loan forgiveness! Check out the post here and leave a comment with your opinion. Here's a post if you want to learn how to convince people you are middle class when you're actually rich! Finally, if you want an unfair competitive advantage in building more wealth and tackling some of life's biggest dilemmas, pick up a hard copy o...
Sep 01, 2022•18 min
You could view the Quiet Quitting Movement as just another weak excuse by the younger generation not to work as hard. Or, you could see it as a huge net positive for society to help alleviate constant stress and anxiety in a post-COVID world. The boundary between work and personal life has completely blurred for millions of work-from-home folks in particular. As a result, more people are burning out. Quiet Quitting is also wonderful for parents, whom I think suffered the most during the pandemic...
Aug 23, 2022•19 min
I started investing in private real estate funds and syndication deals at the end of 2016. I'm now firmly in the window where distributions will start to be paid. Let me share with you my key lessons learned to help you make better private real estate investment decisions. If you want to go deeper into real estate, I discuss real estate over three chapters in my Wall Street Journal Bestselling book, Buy This, Not That . Amazon is having a great 31% off sale. Also, shoutout to Fundrise , my favor...
Aug 16, 2022•19 min
My new book, Buy This, Not That: How To Spend Your Way To Wealth And Freedom , is now LIVE! Order a hardcopy online today by clicking the link or call your local bookstore and order from them. After a long 2.5-year journey, my wife and I reflect on what it took to create this new bestseller. When in doubt, do hard things! I'm certain BTNT will help change your life for the better. You can purchase on Amazon , Barnes & Noble , or anywhere that sells books. It is a #1 bestseller on Amazon in R...
Jul 19, 2022•24 min
If you don't speak up for yourself, nobody else will. As a result, you must fight for every opportunity you think you deserve. Don't be shy. Don't feel like you don't belong. Because you do. Mentioned posts: How To Convince Someone You Are Bad When You're Actually Pretty Good I Could Have Been A White Man, But I Remained Asian It's launch week! Pick up a hard copy of Buy This, Not That: How To Spend Your Way To Wealth And Freedom . And if want to listen to audio, it's over 12 hours long!...
Jul 18, 2022•7 min
Here is a logical and smart way to determine your financial satisfication and happiness. The Financial Samurai Wealth Reality Ratio will also determine whether you are reasonable or delusional in your wealth accumulation goals. The ratio will also help you determine how big of a net worth you need to feel wealthy before relocating to another city. You'll find more of this type of insightful and derivative thinking in my new bestseller, Buy This, Not That: How To Spend Your Way To Wealth And Free...
Jul 13, 2022•17 min
Thinking of retiring early to pursue new interests? In June 2022, I celebrated my 10-year anniversary of early retirement, or as I like to say, fake retirement. Here are my 11 most important takeaways. FIRE is worth it! To help you achieve financial independence sooner, pick up a hard copy of my new book, Buy This, Not That: How To Spend Your Way To Wealth And Freedom . It's full of actionable advice that also helps you tackle some of life's biggest dilemmas with less regret. Also sign up for my...
Jul 04, 2022•27 min
Mythoughts on investing in stocks and real estate for the second half of 2022. I'm getting more optimistic that inflation is currently peaking. As a result, I'm deploying more capital to both asset classes. Sign up for my free weekly newsletter here . Also, pick up a hard copy of my new book, Buy This, Not That: How To Spend Your Way To Wealth And Freedom .
Jun 26, 2022•7 min
The bear market is here again! But there is a silver lining that I want to talk about in this episode. It's for all you hard-working, burned out folks out there! Post mentioned: 10 Years Of Fake Retirement Later: Important Lessons Learned Please pre-order a hard copy of my upcoming book, Buy This, Not That: How To Spend Your Way To Wealth And Freedom . It'll be the best book you'll ever read....
Jun 16, 2022•8 min
Most of the personal finance community loves to recommend index funds as a way to get rich. However, the truly rich didn't get rich by investing in index funds. They got rich by taking concentrated bets in individual positions and building businesses. Let's discuss! Posts mentioned: https://www.financialsamurai.com/the-two-levels-of-rich/ https://www.financialsamurai.com/what-is-considered-mass-affluent-definition-based-off-income-net-worth-investable-assets/ https://www.financialsamurai.com/who...
Jun 02, 2022•17 min
As a landlord, you are always faced with a dilemma about whether to sell or keep renting out your property after there's turnover. As a result, let me go through the pros and cons to help you make the right decision. I use this methodology for tackling some of life's biggest dilemmas in my upcoming book, Buy This, Not That: How To Spend Your Way To Wealth And Freedom. You can check out the latest rent and inflation charts here ....
May 24, 2022•18 min
Hi everyone! Thanks to all of you who pre-order a hard copy of my new book coming out on June 28, 2022 with Portfolio Penguin. If you haven't ordered yet, you can click here to purchase on Amazon or anywhere you like to buy books. I think it's going to be the best personal finance book out there. In this episode, let me share with you 5 reasons why I wrote the book. www.financialsamurai.com/buythisnotthat...
May 05, 2022•20 min
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/
May 01, 2022•10 min
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/...
Apr 25, 2022•19 min
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/...
Apr 18, 2022•17 min
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
Apr 05, 2022•16 min
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 ou...
Mar 17, 2022•20 min
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
Mar 08, 2022•12 min
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...
Feb 26, 2022•15 min
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
Feb 16, 2022•7 min
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
Jan 20, 2022•18 min
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...
Jan 03, 2022•12 min
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...
Dec 30, 2021•21 min
