The ideal time to contribute to a Roth IRA is when you're young and poor. In other words, if you're a student and in your 20s earning less than the maximum income limit, you should be contributing. However, if you're about the 22% federal marginal income tax rate, it's a push. Tax diversification in retirement is important!  https://www.financialsamurai.com/disadvantages-of-the-roth-ira-not-all-is-what-it-seems/ https://www.financialsamurai.com/never-contribute-to-roth-ira/

The housing market is hot, hot, hot! Even though I think with 80% certainly that the housing market will continue to go up every year for the next three years, there's still a 20% chance it could correct. Let me share what happens if you buy a home at the top of the market. If you decide to buy today, make sure you following my 30/30/3 home buying rule! Posts: https://www.financialsamurai.com/what-if-you-buy-a-home-at-the-top-of-the-market-and-a-recession-hits/ https://www.financialsamurai.com/three-home-buying-rules-for-all-to-follow/ https://www.financialsamurai.com/why-the-housing-market-wont-crash/  

The retirement philosophy you follow will determine whether you agree with the 4% rule or the Financial Samurai Safe Withdrawal Rate Rule. Posts mentioned: Two Retirement Philosophies To Think About The Proper Safe Withdrawal Rate

Once you have housing FOMO, there's no escape. Your housing FOMO tends to increase dramatically after having kids. Beware! Related post: Why Real Estate Will Always Be More Desirable Than Stocks

Here are 15 reasons why the housing market won't crash. I predict high single-digit price appreciation for the next three years. Stay long and strong. 

Let's discuss the absolute biggest negative of paying down your mortgage early. Here are all the negatives of paying down your mortgage early as well. 

Are you wondering whether the stock market is in a bubble due to all the mania surrounding Gamestop, AMC Entertainment and more? Let's discuss what happened during past manias and the last time hedge funds lost billions of dollars of their client's money.

2021 Financial Samurai forecast for stocks, bonds, real estate, the economy, and the 10-year bond yield. These forecasts will dictate how I asset allocate and put real money to work to maintain financial freedom or help you gain financial freedom! See post: 2021 Financial Samurai Predictions

Hi Folks! Checking in during the holidays. We've been trying to take things easier and plan for a long winter a head. My wife and I talk about French Laundry, money, kids, and the future. 

There are two mortgage market abnormalities worth taking advantage of right now by homeowners and potential homeowners.   Further, if economic forecasts are as rosy for 2021 as some banks believe, then mortgage rates will likely go higher. This also means your bond portfolio will likely underperform as well.   See the post here.