The Financial Samurai Podcast

Latest Episodes:

The Ideal Age To Retire And Live Your Best Life Oct 15, 2020

Show notes

My wife and I discuss our retirements at 34 and 35, respectively. We also discuss the ideal age we think people should retire if they can. Life is both short and long. We all want to maximize happiness and minimize regrets.

Read the post: The Ideal Age To Retire To Minimize Regrets

Big City Living Is Alive And Kicking Oct 01, 2020

Show notes

The demise of big city living is overblown. Big city living has gotten better post pandemic given there's less congestion, less competition, and more living options.

I'm focused on buying more big city real estate before the inevitable V-shaped recovery in the next couple of years.

See the post here.

The Right Amount Of Money To Give And Leave Our Children Sep 01, 2020

Show notes

What is the right amount of money to give our adult children while we are alive without spoiling the heck out of them? What is the right amount of money to leave our children after we die? I've developed a logical framework to maximize our giving and supporting of our family.

See the post here.

The 4 Percent Rule Is Obsolete: Follow A 0.5 Percent Safe Withdrawal Rate Instead Aug 17, 2020

Show notes

The 4 percent rule is outdated. It was established in 1998 when the 10-year bond yield was at ~5 percent. Of course you're never going to run out of money withdrawing at 4 percent when you can make 1 percent more risk-free! Follow the 0.5 percent rule instead for a safe withdrawal rate in retirement. Follow the times or suffer the consequences.

Read the post here.

Homeschool For Life! The End Of Traditional Education Starts Now Jul 30, 2020

Show notes

After giving homeschooling a lot of though, my wife and I have decided to go the homeschooling route. COVID-19 was just the catalyst to get us over the hump. We tried preschool for a solid 5 months and enjoyed it. However, there were lots of downsides as well.

My wife joins me on this episode.

Hunting For Unicorns: Don't Get Too Carried Away With Active Investing Jul 15, 2020

Show notes

So you love chasing unicorn stocks to get rich. So do I! However, you should probably be more judicious with your active and passive investing split. It's really easy to get caught up in stock market mania and then blow yourself up. Here's my recommended passive and active investing split by personality so we can get rich more responsibly. Read more here.

Should We Worried About Inflation? Don't Be Silly Jul 01, 2020

Show notes

For those who are worried about inflation, don't be. There is not going to be inflation or inflation worries for years, if ever.

I've got to believe the only people who are worried about inflation are people who took out a 30-year-fixed mortgage or who are against America!

Relevant post: Why An ARM Is Superior To A Fixed-Rate Mortgage

The State Of The Housing And Mortgage Industry During A Pandemic Jun 23, 2020

Show notes

It looks like demand for buying a home has hit an 11-year high. Before you buy a home, it's good to know what's going on in the mortgage industry. The mortgage industry / banks hold the key to a steady real estate market.

See this post for more charts and details.

How Climate Change May Affect Real Estate Prices Jun 18, 2020

Show notes

Let's have a discussion on how climate change may affect real estate prices. Your desire for a beachfront home might be misplaced. But maybe it's best to live life now!

Post: How Climate Change May Affect Real Estate Prices

Pay Down Mortgage Debt Or Invest? A Logical Framework Jun 09, 2020

Show notes

Wondering whether to pay down your mortgage debt or invest? I go through a logical framework of how to do both, and also highlight the extra benefits of paying off a mortgage: more courage!

Mentioned posts:

No Mortgage More Courage

FS-DAIR: Invest and Debt Framework