Finance Xpress

A couple earning $500,000 a year should feel rich, right? That’s top 2% territory in America—plenty of cash to save, invest, and splurge on the finer things in life. Or so you’d think. But when I dive into the financial lives of high-income households, the reality often doesn’t match the perception. Take, for example, this […]

The post From Struggling To Living Well On $500K A Year: Escaping the Rat Race Faster appeared first on Financial Samurai.

Did you know that a whole life insurance policy can actually help you make money? It’s true—and it’s a strategy often used by those with higher incomes. For those seeking life insurance coverage, a term life insurance policy is typically the more affordable and simpler choice. Both Sam and I opted for matching 20-year term […]

The post How To Make Money From A Whole Life Insurance Policy appeared first on Financial Samurai.

With the tragic fire that occurred in Lahaina, Maui, hurricanes ripping through Florida yearly, and now the devastating Southern California fires, it's important to review your home insurance policy and understand what it does and does not cover. You also need to have contingency plans in case your house burns down. If you have not […]

The post What’s In A Home Insurance Policy? Know The Details Before A Fire Occurs appeared first on Financial Samurai.

When times are good, we must celebrate our excess investment returns because we sure as heck aren't celebrating when times are bad! When times are bad, it can feel downright terrible due to a psychological concept called loss aversion. The pain of losing $10,000 often feels far worse than the joy of gaining $10,000. Because […]

The post Calculate Your Excess Investment Returns To Feel Awesome appeared first on Financial Samurai.

Artificial intelligence (AI) is causing an existential crisis for many workers, myself included. With the rise of AI, I’ve often found myself wondering: what’s the point? If AI is going to take over, why bother trying? Maybe you’ve felt the same way—worried about how to safeguard your future from AI. Or perhaps you’re a parent […]

The post Safeguarding Your Future from AI: The Existential Crisis Playbook appeared first on Financial Samurai.

One of my goals for 2025 is to simplify life by selling a rental property. A key decision in this process is whether to hire a top-tier real estate agent, who charges a higher commission, or opt for a mid-tier agent to save on costs. By “top-tier real estate agent,” I’m referring to an agent […]

The post Hire A Top-Tier or Average Real Estate Agent at Lower Commission appeared first on Financial Samurai.

One of the biggest reasons I’ve been against contributing to a Roth IRA is my belief that most people won’t make more money in retirement than while working. As a result, they’re unlikely to pay a higher tax rate in retirement than during their working years. This belief also assumes that tax rates will stay […]

The post Why You Could Make More In Retirement Than While Working appeared first on Financial Samurai.