The Financial Samurai Podcast

We are currently experiencing a tridemic: flu, RSV, and COVID-19. Many children are sick this winter and it reminds me of the importance of life insurance. Life insurance applications increased to record highs during the pandemic. But more concering is that life insurance payouts increased by 5X more than demand! To shop around for affordable life insurance, take a look at PolicyGenius. Both my wife and I have used PolicyGenius to save, double our coverage, and renew our policies. I've known the founder for 10 years.  Posts mentioned: Your Anxiety Of Death Can Be Quantified By Life Insurance Demand Data The Best Age To Get Life Insurance Based On Logic And Reasoning To never miss a thing, joing 55,000+ others and subscribe to my free weekly newsletter. You'll boost your personal finance knowledge and make better decisions. 

Thinking about retiring? Contrary to popular belief, the ideal age to retire is not ASAP! After 10 years of early retirement, or fake retirement as I like to call it, let me share the best age range to retire to minimize regret and maximize happiness. Post for more details and charts: The Ideal Age To Retire To Minimize Regret And Maximize Happiness  Great retirement products: Personal Capital - Favorite free wealth management app. I've been using the app since 2012. NewRetirement - A fantastic retirement speciality planner with more powerful features.  More Financial Samurai: Buy This, Not That - My WSJ bestselling book on helping you achieve financial freedom sooner, rather than later.  Financial Samurai Free Weekly Newsletter - Join 55,000+ others and never miss a thing. 

Recently, I came up with a thesis on November 1, 2022 that the 2.7% decline in the Series I Bond rate was the most bullish economic indicator I've seen all year. See: The Most Bullish Indicator Yet Nine days later, on November 10, 2022, the thesis was spot on as October inflation numbers came in below expectations. How did well-paid PhD economists & Wall Street strategists not recognize upcoming inflation figures will likely come in below EXPECTATIONS? Conversely, how did a tired, stay-at-home dad without a job since 2012 get it right? This episode is on how to make better investment forecasts to hopefully make more money. We won't be able to get investing right all the time, but we can do work to help increase our odds of making better decisions. To Support Financial Samurai: Buy This, Not That: How To Spend Your Way To Wealth And Freedom (Instant Wall Street Journal Bestseller to help you build more wealth and make more optimal choices.) How To Engineer Your Layoff: Make A Small Fortune By Saying Goodbye (The #1 book on helping you negotiate a severance. Mass layoff season is here. Prepare yourself to walk away with potentially more money.) Free Financial Samurai Newsletter (Join 55,000+ subscribers so you never miss a thing) Follow On Twitter @FinancialSamura

FTX, the second largest cryptocurrency exchange collapse overnight from over $16 billion to $0. A discussion on what happened and what we can learn as financial freedom seekers and small business owners to preserve our wealth. The developments are still ongoing.  See: Lessons Learned From The FTX Collapse Also, mass layoffs are heating up. I recommend preparing for a layoff before you are actually laid off. Because once you're laid off, you no longer have leverage. Please read How To Engineer Your Layoff: Make A Small Fortune By Saying Goodbye. You can save $10 off the book by inputting "saveten" during check out.  Join 55,000+ others and sign up for my free weekly newsletter so you never miss a thing on Financial Samurai. Everything is written based off firsthand experience and knowledge. 

This week, the Treasury department announced Series I bonds will pay an annualized interest from November 1, 2022 through April 2023 of 6.89%, down from the 9.62% rate offered since May 2022. A 2.73% decline is massive.  Learn what it means for the economy, stocks, and real estate.  Key links: Post to read: It's Easier To Generate More Passive Income In A Bear Market Purchase a hard copy of my instant Wall Street Journal bestseller, Buy This, Not That. It will be the best personal finance book that you will ever read.  Join 60,000+ other subscribers and sign up for my free weekly newsletter here. I review all the week's key insights and posts.   

Although going through another bear market is a bummer, the positive is we can all generate more passive income! And given we can now generate more passive income we can also get that much closer to financial freedom! Mentioned posts: It's Easier To Generate More Passive Income In A Bear Market How To Have A Risk-Appropriate Asset Allocation When Investing Great Products: NewRetirement - An excellent retirement planning software Fundrise - My favorite way to invest in private real estate and diversify a portfolio for less volatility and more passive income Buy This, Not That: How To Spend Your way To Wealth And Freedom - The best personal finance book  

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.