Are you aware of the risks you take online? Nearly half the U.S. population was impacted by identity fraud and financial fraud in 2020, responsible for $56B in losses. And the truth is, you’ve never been a bigger target. Technology is woven into our lives. From remote work to shopping to banking, we can send/receive […]
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Years ago, I announced why I’m paying down my mortgage early. I ended up paying off a mortgage in 15 years and feel great about it. As an early retiree who started the FIRE movement in 2009, I suggest paying off your mortgage early too. Ideally, we should all pay down our mortgage before we
Why I’m Paying Down My Mortgage Early And Why You Should Too Read More »
If you’re thinking about retiring, it’s better to retire in a bear market than in a bull market. I’ve been “fake retired” since 2012 and I want to explain why this is so. I put fake retired in quotes because these posts don’t write themselves. My podcasts don’t record themselves either. I also did some
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Quitting is considered a dirty word. I’ve always had the view you should never give up if you want to achieve your goals. Even if you break both legs, you better drag yourself through the mud and rain to reach glory on the other side! However, as I grow older, I’m slowly coming to accept
Maybe Quitting Is The Best Decision If You Can’t Give It Your 100% Best Read More »
Shoot to retire by a certain age, not by a certain financial figure. Time is finite. Money is not. You can always make more money, but you can never make more time. Live until 60 and then say good-bye. This has been my mindset ever since I moved to San Francisco in 2001. I know
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Are you excited about a stock split? Don’t be. A stock split is simply financial engineering. Some retail investors get tricked into thinking they’re getting a better deal than they really are. I still remember one of my VPs at Goldman making fun of an Associate one morning. The Associate excitedly shouted out to the
A Stock Split Doesn’t Change Fundamentals But Could Boost Share Price Read More »
I decided to invest in two private funds: 1) Kleiner Perkins 20 (KP20), and 2) Kleiner Perkins Select2. Kleiner Perkins is a top-tier venture capital shop which has made more recent home run investments in Figma and Ripple. This article will explain why I invest in private funds even though they charge higher fees. KP20
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Between 2000 – 2009, the average homeownership duration was only about four-to-five years. It was too short to build real wealth. As of 2025, the average homeownership tenure has risen to roughly 12-13 years according to First American Data & Analytics and Redfin. Post-pandemic, people are simply owning their homes for longer because we’re utilizing
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A home inspection contingency is generally recommended for all homebuyers. With a home inspection contingency, you get to thoroughly examine what could be wrong with the home before closing escrow. Perhaps just as important, a home inspection contingency enables you to back out of a deal if you find something you don’t like. It’s like
Home Inspection Contingency: Why Waiving It May Be OK Before Buying Read More »
Getting a great deal on a house has a lot to do with good negotiating. Unlike investing in stocks, where you have no ability to affect prices, a savvy real estate investor can make a difference. And one of the negotiating tactics to consider is writing a price concession letter. A price concession letter asks
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