Finance Xpress

About a year ago, a relative asked me to help manage her money. She had been paying a ~1% asset management fee with Goldman Sachs Asset Management (GSAM), even though she wasn’t their typical high-net-worth client. The account had been set up through her ex, but since she wanted a clean break, she was ready […]

The post Why I’ll Never Manage Money for Anyone for Free Again appeared first on Financial Samurai.

I’m convinced that if you wake up just one hour earlier every day for the next 10 years, you’ll not only accomplish far more, but also build significant wealth and unlock countless opportunities in life. Conquering the magic of the morning—while most are still asleep—will give you a massive edge. No doubt about it. I’m […]

The post Sleep In, Stay Broke: Wake Up Earlier for Financial Success appeared first on Financial Samurai.

When the U.S. bombed three locations in Iran, my initial reaction was a mix of hope and sadness. Hope—because I wished it might lead to a reduction in weapons of mass destruction. Sadness—because of the likely loss of innocent civilian lives and the heightened danger now facing Americans abroad. I shared these thoughts and feelings […]

The post Your Perception of War and Death Depends on Your Experiences appeared first on Financial Samurai.

If you want to grow your wealth faster than the average person, I suggest trying to think in two timelines that move together in unison. The first timeline is analyzing what's going on right now. The second timeline is analyzing what could happen in the future, with a consistent spread. It's like having a dual […]

The post Think In Two Timelines If You Want To Build Greater Wealth appeared first on Financial Samurai.

When I first started Financial Samurai back in 2009, I had idyllic dreams of helping as many people as possible achieve financial freedom. My finances were crumbling during the global financial crisis, and I wanted to break free from the corporate grind. So I wrote about how to do just that. But like anything, over […]

The post You Can’t Save The World, So Mind Your Own Finances appeared first on Financial Samurai.

One of the most overlooked risks in real estate investing isn’t rising interest rates, leverage, or even tenant issues—it’s execution fear. You run the numbers. The property checks all the boxes. It fits your timeline and lifestyle. You can even picture the steady cash flow hitting your account… Yet you still don’t pull the trigger. It’s […]

The post Execution Fear: The Silent Killer of Great Real Estate Deals appeared first on Financial Samurai.

When my son was born in 2017, I decided to focus on being a stay-at-home dad (SAHD). Every early childhood development book I read emphasized that the first five years are the most critical for a child’s growth. So I figured, why not spend that time with him? It wasn’t a difficult decision since I […]

The post Mommies, Nannies, Au Pairs, and Me: The End Of Being A SAHD appeared first on Financial Samurai.

In late 2022, my wife and I were finally able to lock in matching 20-year term life insurance policies at an affordable rate through Policygenius. For three years prior, I had been concerned that I wouldn’t be able to get approved at a reasonable price—all because of a mistake I made by visiting an overzealous […]

The post A Terrible Life Insurance Mistake That Cost Me A Fortune appeared first on Financial Samurai.

I recently received a question that boils down to this: How do you know when you have enough money? And once you do, when is it time to shift from chasing excess returns to simply maintaining what you have? There are several ways to approach this question, which I’ll explore in this post. I've come […]

The post The Best Way To Determine If You Have Enough Money appeared first on Financial Samurai.

Feeling burned out and underappreciated? Tired of managing people and just want to focus on your craft? Thinking about going back to school to do something more meaningful? If any of this resonates, don’t quit your job. Instead, it might be time to consider a strategic descent down the corporate ladder to take back control […]

The post Descending The Corporate Ladder: A Great Solution To A Better Life appeared first on Financial Samurai.

I’ve been focused on building passive income since 1999, back when I had to be in the office by 5:30 a.m. and often worked past 7 p.m. every night. Weekends were another eight hours or so. I knew I couldn’t sustain a traditional 40-year career working those kinds of hours, so I began saving and […]

The post The Hidden Dangers of Earning Risk-Free Passive Income appeared first on Financial Samurai.

Have you heard of the no-spend chalenge? It’s a popular concept among budget-minded and minimalist bloggers who encourage us to save more and declutter our lives. The idea is simple: stop spending on non-essentials for a set period and see how much you can save. The more you save (and invest), the sooner you'll achieve […]

The post The Time To Participate In A No Spend Challenge Is Now appeared first on Financial Samurai.