The Financial Samurai Podcast

The 4 percent rule is outdated. It was established in 1998 when the 10-year bond yield was at ~5 percent. Of course you're never going to run out of money withdrawing at 4 percent when you can make 1 percent more risk-free! Follow the 0.5 percent rule instead for a safe withdrawal rate in retirement. Follow the times or suffer the consequences. Read the post here.

After giving homeschooling a lot of though, my wife and I have decided to go the homeschooling route. COVID-19 was just the catalyst to get us over the hump. We tried preschool for a solid 5 months and enjoyed it. However, there were lots of downsides as well. My wife joins me on this episode. 

So you love chasing unicorn stocks to get rich. So do I! However, you should probably be more judicious with your active and passive investing split. It's really easy to get caught up in stock market mania and then blow yourself up. Here's my recommended passive and active investing split by personality so we can get rich more responsibly.  Read more here.

For those who are worried about inflation, don't be. There is not going to be inflation or inflation worries for years, if ever.  I've got to believe the only people who are worried about inflation are people who took out a 30-year-fixed mortgage or who are against America! Relevant post: Why An ARM Is Superior To A Fixed-Rate Mortgage

It looks like demand for buying a home has hit an 11-year high. Before you buy a home, it's good to know what's going on in the mortgage industry. The mortgage industry / banks hold the key to a steady real estate market.  See this post for more charts and details. 

Let's have a discussion on how climate change may affect real estate prices. Your desire for a beachfront home might be misplaced. But maybe it's best to live life now! Post: How Climate Change May Affect Real Estate Prices 

Wondering whether to pay down your mortgage debt or invest? I go through a logical framework of how to do both, and also highlight the extra benefits of paying off a mortgage: more courage! Mentioned posts: No Mortgage More Courage  FS-DAIR: Invest and Debt Framework

Racism is systemic in America. We must speak up and fight back against racism. We must share our stories and hold racists accountable for their actions. Do not stay silent during this time of crisis. Let us do our part in helping end the cycle of hate.  Mentioned posts: Dear Minorities, Please Use Racism As Motivation To Achieve Financial Independence The Importance Of Feeling Consistently Uncomfortable For Personal Growth    

I've been skeptical about college for a while, but now that the pandemic has hit and tens of millions of jobs are lost and perhaps never coming back, I find college to be too risky of an investment to make for the average middle class family.  Pertinent posts: https://www.financialsamurai.com/should-i-go-to-public-school-or-private-school/ https://www.financialsamurai.com/recommended-529-plan-amounts-by-age/ https://www.financialsamurai.com/accept-1000000-to-attend-public-school-over-private-school/

With such a massive 30%+ rebound from the lows in March 2020, the S&P 500 is almost back to 3,000. I discuss why I've de-risked in my taxable investment portfolio. At the same time, I also discuss why you may want to keep holding onto your stocks.  Here are some bearish charts and some bullish charts for you to review and consider.