The Financial Samurai Podcast

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 wealth. 

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 your wealth and make better decisions.  Sign up for my free weekly newsletter here. Every week, I'll recap the most important posts and financial topics with my own spin so you never miss a thing.  Disclaimer: This episode is not investing advice for you since we have different financial situations and you are not my client. I have no clients. This is my own thought process on how I'm deploying my cash. Please do your own due diligence before making any investment. Your decisions are yours alone. 

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 West nonsense in the investing space. The book is on sale at Amazon today.  Join 50,000+ others and sign up for my free weekly newsletter here. I highlight the latest events and share my candid thoughts on why they matter. 

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 That. If you want an unfair competitive advantage to building more wealth, this book is it. Join 50,000+ others and sign up for my free weekly newsletter. I recap the week's main events and share my thoughts as a 28-year finance veteran. 

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 of an aggressive Fed!

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 of my WSJ bestseller, Buy This, Not That. The book has the biggest sale on Amazon. 

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. Feel free to share your thoughts in my Quiet Quitting post. Support my work by picking up a hardcopy of my WSJ bestseller, Buy This, Not That. It is your unfair competitive advantage to building more wealth and making better decisions.  Finally, join 50,000+ others and sign up for my free weekly newsletter. I highly the major events of the week and my candid thoughts. 

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 favorite real estate investing platform that focuses on single family and multi-family homes in the Sunbelt. Relocating to lower-cost areas of the country is a multi-decade trend I am investing in thanks to technology. 

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 Retirement Planning and is tracking to be a WSJ Bestseller. Thank you for your support and I'd appreciate a postiive 5-star review online if you enjoyed it.  -Sam, Financial Samurai 

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!

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 Freedom. Order a hardcopy today! It'll be one of the best personal finance books you'll ever read. 

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 free weekly newsletter so you never miss a thing. Financial Samurai started in 2009 and is one of the largest personal finance sites today with over 1 million organic pageviews a month.  

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. 

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.

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-makes-a-million-dollars-a-year-exploring-the-top-0-1-income-earners/

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. 

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

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/

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/