Blog Profile / Financial Samurai


URL :http://www.financialsamurai.com/
Filed Under:Business & Finance / Personal Finance
Posts on Regator:1124
Posts / Week:3.1
Archived Since:March 8, 2011

Blog Post Archive

Getting Rich Is About Willpower: Why Give Up When You Can Keep On Going

In the 1960s, Columbia University psychologist Walter Mischel conducted an experiment on children that is now often referred to as The Marshmallow Test. Walter invited various aged children into a room individually and asked them to sit down in front of a table with one marshmallow. Show More Summary

Five Steps To Improving Productivity: A Quora Case Study

Since making money from our investments might be getting more difficult, it’s good if everybody figures out how to improve productivity. During a downturn, corporations try to squeeze employees to do more after letting go of a bunch of people. Show More Summary

The Marriage Penalty Tax Has Been Abolished, Hooray!

In the past, I used to wonder why two individuals with high incomes or two individuals with a large income differences would ever want to get married. Paying thousands of dollars in marriage penalty taxes didn’t make sense. It seemed...Show More Summary

The Key To Living Longer: Fear Being Alone Far More Than Going Broke

I’ve always told my wife that if all goes to hell, at least we’ll still have each other. After all, we met during college when neither of us had any money. We were happy just spending time together between classes in the Sunken Gardens at The College of William & Mary. Show More Summary

Silver Linings Of A Stock Market Correction

With the S&P 500 down over 10% from its high in 2018, we’ve officially entered correction territory. If the S&P 500 closes down over 20% from its high, then we will be officially in a bear market. Whenever the stock market goes through...Show More Summary

Contingency Plans For A Digital Bank Run

When the S&P 500 futures were pointing to another -5% opening on February 6, 2018 I got excited. After all, the S&P 500 closed down 4.5% on February 5. I get aggressive whenever the stock market corrects by 10% or more because history has shown positive returns in subsequent days and months. Show More Summary

It’s Time To Start Worrying About The Housing Market Again

Despite publishing cautionary posts about investing in the stocks, bonds, and alternatives at current levels, the biggest caution I should be writing about is taking out massive debt to buy property at record highs. If you lose 50% on your stock and bond portfolio, you’ll be upset, but fine. Show More Summary

Here’s When You’ll Become A 401(k) Millionaire

Thanks to the unrelenting rise in the stock market since 2009, there’s now a trend on social media to share your 401(k) balance, especially if it’s over a million bucks. Despite the distastefulness of bragging, just the fact that more people are talking about saving for retirement via their 401(k) is a good thing. Show More Summary

How Much Investment Risk To Take In Retirement: Various Portfolio Compositions To Consider

Congratulations for being retired or having enough money to never work again! Don’t listen to the naysayers who tell you retirement life is boring. Be assured that only boring people get bored. One question you should consider thinking about, however, is exactly how much investment risk should you be taking. Show More Summary

The Best Financial Move I Ever Made Is Something Everyone Can Do

After warning about financial destruction due to scams and get rich quick schemes, I’d like to balance things out with an uplifting financial story. As part of my productivity push, I’ve been spending some time answering questions on...Show More Summary

Things To Do Before Making Any Investment If You Don’t Want To Lose Everything

This post is a reminder to myself and to all of you that we can and will lose money if we invest in risk assets for a long enough period of time. The only way to never lose money again is if we never make any investments. I’ve personally...Show More Summary

Your Net Worth According To Wealth Managers And Socialists

One of the common beliefs I’d like to overturn is the idea that one shouldn’t count their primary residence as part of their net worth. This belief is propagated by the wealth management industry because wealth managers only earn fees based on your liquid net worth. Show More Summary

The Percentage Of People With No Wealth Outside Their Home Is Sad

I recently stumbled across a fascinating chart by Deutsche Bank highlighting that more families than ever before have ZERO or NEGATIVE non-home wealth. In other words, roughly 30% of households have no 401k, no IRA, no after-tax investment...Show More Summary

The Three Levels Of Financial Independence: Because Money Is Only Part Of The Equation

Reaching financial independence is the holy grail of personal finance. But what does financial independence really mean? In this post I’d like to determine the various levels of financial independence. That’s right. Even in financial independence there is no one size fits all since everybody has a different desired standard of living. Show More Summary

2018 Investment Outlook For Stocks, Bonds, And Real Estate: The Last Easy Year

Before you read my investment outlook for 2018, you must first understand my financial situation and my biases. Our biases often warp our reality by anchoring us to past situations. Permanently left work in 2012 at the age of 34 NetShow More Summary

Financial Samurai Goals 2018: Back To Early Retirement Life!

My biggest disappointment in 2017 was pushing my mind and my body past their limits. At the age of 40, I no longer have the energy to do what I’ve been used to doing all my life, yet I worked more than I ever had before. I was a stubborn...Show More Summary

Financial Samurai 2017 Year In Review: The Most Difficult Best Year Ever

Happy 2018 Everyone! Since the year doesn’t really start until the second week of January, I’ve decided to spend more time reflecting. Hopefully you will too on a tropical island somewhere. Before 2017, the best year of my life was when I got married on a cozy beach in Oahu. Show More Summary

Investing Lessons From A Surreal 2017

At the beginning of the year, I decided to track my investments with a detailed spreadsheet because my cash flow was increasing and I wanted to make sure the money was being properly deployed based on my risk tolerance. If I force myself to...Show More Summary

The Top Financial Samurai Posts Of 2017

Merry Christmas and Happy Holidays Everyone! The best thing about hard work is when it’s over. Once finished, you can basically sit back and enjoy all of the rewards if you wish. And if you hustle long enough, you might positively change your life forever. Show More Summary

How The New Tax Plan Will Ruin Your Life If You’re Not Careful

I firmly believe tax policy changes behavior. The higher your taxes go, the BETTER your life becomes! Why? Because at the margin, the less money you keep, the less motivated you’ll be to work. Since the love of money is the root of all evil, the less time you spend desiring money, the happier you will be. Show More Summary

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