Overcoming Blindness: Achieving Financial Independence With A Visual Impairment

33 Comments / Career & Employment, Health & Fitness, Insurance, Motivation / By

One of my goals on Financial Samurai is to share different perspectives. Roughly 15% of the world’s population (1+ billion), lives with some form of disability, of whom 2-4% experience significant difficulties in functioning. This is the minority group I’m most passionate about fighting for in this extremely competitive world. My hope is that more […]

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Why Pay Off A Negative Real Mortgage Rate When Inflation Is So High

48 Comments / Mortgages, Real Estate / By

Paying off a mortgage with a negative real interest rate is a suboptimal financial move. However, that’s exactly what I did in this unusually high inflationary environment. Bad move? Maybe. My mortgage rate was a 30-year fixed at 4.25% and the latest inflation figure was 9.1%. Therefore, it had a negative real mortgage rate of

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How To Get Life Insurance For Free: Make More Money

17 Comments / Family Finances, Insurance / By

Have you ever wondered how you can get life insurance for free? I’m not talking about getting free life insurance from work. The life insurance amount usually isn’t enough. I’m talking about how to get free life insurance outside of work. My wife and I have life insurance because with have two young children, a

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Embrace The Underdog Within To Win: Who You Are Is Good Enough

24 Comments / Motivation / By

Are you an underdog looking to succeed in this brutally competitive world? Do people ignore you, discredit you, think you’re dirt, or even hate you for just being you? Well, welcome aboard! I’ve been the underdog my entire life. The number of rejections I’ve experienced is too large to count. But you know what? I

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The Next Big Investment: Rare Books And Memorabilia With Autographs

46 Comments / Investments / By

From the guy who told you to buy heartland real estate in 2016, I’ve got another long-term investment idea I think you should consider. Investing in rare books and various types of memorabilia with autographs. Not only can investing in collectibles be lucrative, but it’s also a ton of fun as well. For example, I

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What Makes A Bestselling Nonfiction Book? Insights From A Major Publisher

25 Comments / Education, Entrepreneurship, Motivation / By

After 2.5 long years, Buy This, Not That: How To Spend Your Way To Freedom, is now available for purchase! Pick up a hardcopy on Amazon, Barnes & Noble, or your local bookstore. It also became an instant Wall Street Journal bestseller! As a result, I was offered a subsequent two-book deal from Portfolio Penguin.

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How To Convince People You’re Bad When You’re Actually Pretty Good

14 Comments / Motivation / By

One of the best strategies to get ahead is to convince people you stink when you’re actually pretty good. By posturing yourself as inferior, you lower other people’s expectations of you. Once people think you’re not much of a threat, that’s when you can better navigate your way to victory! This post is for those

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Combatting Food Inflation By Investing In Farmland

11 Comments / Investments, Real Estate / By

The latest U.S. inflation figure came in hot at 9.1%. Below is the official June inflation data by the U.S. Bureau of Labor Statistics. Overall, food prices were up 10.4% YoY with “Food at home” (groceries) up 12.2% YoY. Although elevated inflation is eroding our purchasing power, we don’t have to just sit there and

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Treat All Investments As Expenses If You Want To Grow Richer

48 Comments / Budgeting & Savings, Retirement / By

Some people who critique my various budget charts are annoyed I list retirement contributions and investments as expenses. Therefore, I thought I’d explain my logic in this post. Once you start treating your retirement contributions and investments as expenses, you will begin to build much more wealth than the average person. And once you build

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