Financial Samurai
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Slicing Through Money's Mysteries
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The Hidden Benefit Of Being Retired In A Bear Market
As my public equity portfolio gets obliterated thanks to being overweight tech stocks, something interesting happened. Once I stopped feeling sorry for myself, I started to look on the bright side. We're not in an official bear market, yet. But plenty of individual tech names have already fallen by…
How To Keep Your Middle Class Membership Card
The middle class is the best class in the world. It is the largest class, which means it’s the most important class. Politicians pander to us by saying nice things and giving us all sorts of random benefits, like the child tax credit or stimulus checks if you make a middle-class income. But once…
The Cheap FIRE Stereotype Deserves To Be Retired
The popular image of a FIRE practitioner is someone eating rice and beans, clipping coupons, and driving a car older than their kids. All luxuries are shunned in order to grow their wealth as large as possible to break free sooner. FIRE folks are cheap and should enjoy life more critics say…
Google’s Collapse Gives Hope For The Middle Class
I’ve been a Google shareholder since 2010 and I'm thankful. But yesterday’s earnings, and the 12% collapse that followed, left me thoroughly disappointed. Search is under siege. Gemini isn’t leading the AI race. And Google is spending like a drunken sailor to catch up. Spending $200 billion in…
A Landlord’s Moral Dilemma When Tenants Strike It Rich
With Anthropic’s S-1 now filed with the SEC, over 5,000 employees are about to become extremely wealthy. We’re talking about the median employee making $3 million to $10 million within three years, and likely at least a thousand people making well into eight figures or more. The numbers behind it…
Beware, A Disability Can Force You Into Early Retirement
Earlier this year, I was sick for two weeks. Unfortunately, I’ve had asthma since I was a kid. So when a respiratory illness hits, I tend to cough and suffer longer than the average person. During COVID, my asthma flared up more often, likely due to the stress of having a baby during a pandemic…
Pain And Penalty: Why A Dad Bod Challenge Works When Willpower Doesn’t
If you want to lose weight and gain muscle, join a dad bod or a mom bod challenge. The social pressure to hit your goals will be immense. And if you put a financial penalty for not meeting your goals by a certain date, you will be even more motivated to get fitter. Since graduating […] The post…
Upgrading To A Home You Don’t Need: A Three-Year Review
Toward the end of 2023, we upgraded to a larger finished home we didn't need. Three years later, I want to share whether it was worth it, so you can make a better decision if you're tempted to do the same. More than any other material item money can buy, a home is the most […] The post Upgrading To…
You Won’t Be Able To Spend Your Money When You’re Old
If you wait too long to start spending your money, you will have wasted many years of unnecessary work, stress, and worry. You'll have traded your best decades for a number on a screen that eventually gets passed to someone else. After another summer living with my parents, I'm even more convinced…
Buy The Finished Home, Skip The Remodeling Misery
At almost 50, I’m never doing a gut remodel again. Everyone who has survived one has the same thousand-yard stare. It’s the look of someone who spent two years arguing about grout color and waiting on inspectors who never show up when they say they will. Remodeling might be the most unpleasant…
Why Aggressive Venture Investing After FIRE Isn’t Reckless
After my posts on being broke again at 49 and feeling silent stress, some of you let me have it. Irresponsible. Reckless. Top of the market psychology. Fair. I asked for it. I appreciate the pushback because it forced me to look hard at my risk profile and explain it out loud. So here’s my […] The…
The Silent Stress Of Taking A Family Vacation On A Razor’s Edge
A couple days before I published Broke Again At 49, my wife said going to Las Vegas over the long weekend would be a lot of fun. I had floated the idea a couple weeks earlier. Unbeknownst to me, she then spent several hours one night researching hotels, flights, shows, and costs to make it happen…
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