Phew! We made it! What a year 2020 has been. I’m absolutely exhausted from taking care of my two young kids, experiencing so much uncertainty, and writing so much. Unfortunately, the first half of 2021 likely won’t be much different. Many cities and counties will still be under shelter-in-place. Most of us still won’t get
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Fundrise is a leading real estate crowdfunding platform for non-accredited investors. Founded in 2012, Fundrise pioneered the eREIT asset, a private diversified real estate investment trust that enables everyday people to invest in private real estate once reserved for ultra-high net worth individuals or institutions. Currently, Fundrise manages over $1 billion in equity and has
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There’s a saying that goes something like this: To feel rich, take whatever you earn and triple it. Once you get there, triple it again. In other words, due to hedonic adaptation, it’s impossible to ever feel rich! But I’ve noticed on my path to financial freedom there were several times when I felt incredibly rich.
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Merry Christmas and Happy Holidays! Given Christmas is an annual festival commemorating the birth of Jesus Christ, I thought it would be a good idea to discuss when to have more children. Having children is a personal choice. There is no right or wrong answer. However, once you have children, it’s hard to imagine anything more
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One of the keys to being a successful landlord is finding good tenants. At some point in your landlord journey, you may come across a situation where you have to decide between better tenants or higher rent. Of course, in an ideal situation, you would love to have both. This post will share my latest
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This is a joint sponsored post by FarmTogether, Masterworks, and Vinovest. They’ve helped keep the lights on all year here at Financial Samurai. With the S&P 500 close to a record-high you might wisely be thinking more about portfolio diversification. Portfolio diversification can help smooth out volatility. Further, you may be able to find investments
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In the debate between stocks versus real estate as a better investment, a common issue that comes up is real estate’s lack of liquidity. Due to its lack of liquidity, it should be considered inferior to stocks. However, I believe the need for liquidity is overrated. If you are financially competent, there will rarely be
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Have you ever wondered how the rich invest? Well, look no further than seeing how the ~$31 billion Yale endowment fund invests its money. Endowments invest like many of the world’s wealthiest people. Both want income to fund their operations or lifestyles indefinitely. And ultimately, both want consistently strong absolute returns, regardless of what the markets are doing.
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When I was growing up, our house was always pretty neat because I hardly had any toys. For example, I had no lego blocks for my parents to accidentally step on. My parents would only get me a present once a year. And that something was usually an action figure, not something expensive like a
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Right before negotiating my severance in 2012, I wondered whether I should get a Ph.D. After 13 years in the private sector, I thought it would be nice to switch things up. Besides, if I got my Ph.D., I could demand people call me doctor, just like how our incoming First Lady demands to be
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Opening a Roth IRA for your kids is a must once they start generating earned income. Not only will opening a Roth IRA help build wealth for your kids, if you have a business, it will also help you save on taxes. If you start contributing to your kid’s Roth IRA young enough, there’s a
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When everybody seems to be getting rich but you, it’s a disconcerting feeling. However, after 20 years of living in San Francisco, the startup capital of the world, I say that if you want to get rich, don’t join a startup. We always hear about hugely successful startups in the news. Names such as DoorDash
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Ever since the global pandemic began, the private jet market has been booming. But as a financially savvy person, you might wonder how much does it cost to fly private? Further, are there any cost-efficient ways to fly private? Flying private is one luxury that can improve your life once you become rich. No more
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For the past 10 years, traffic for the post, West Coast Living: Yes It Really Is Better, starts picking up around Thanksgiving. In the past, people landing on this post would come mainly from the East Coast. However, this year, I’m seeing more people coming from the Midwest and the South. The topic of migrating
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Accurate passive income forecasting is important for tax minimization, better time utilization, stronger mental health, and increased overall happiness. For 2020, I made a big mistake by inaccurately estimating my passive income. At the beginning of 2020, I estimated I would earn roughly $70,000 from my various real estate crowdfunding investments. The combined estimate for
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Back in 2011, I decided I wouldn’t pay off my mortgage until I retired. I was still working in banking and had a strong amount of cash flow. I thought I was going to work for at least another five years. Then, in 2012, I retired by negotiating a severance package that provided for six
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Taxes are our largest ongoing liability. As a result, it behooves us to optimize our taxes as much as possible. This post will discuss all the smart money-saving tax moves to make by year-end. The good thing about having multiple income streams is the financial security it provides. The bad thing about having multiple sources of
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November 2020 was a solid month. After a disappointing October 2020, the S&P 500 and NASDAQ returned 10.8% and 11.8%, respectively. After November’s gains, the S&P 500 is up 12% for the year. Could you have guessed that after being up ~30% in 2019, we’d be up another 12% during the middle of a pandemic?
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Dollar-cost averaging is the act of consistently investing in a particularly security over a set interval of time. Whether you know it or not, you are likely dollar-cost averaging every time you get a bi-weekly or monthly paycheck. For example, at the beginning of the year, you may elect a fixed percentage of your pre-tax
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