Why You Could Make More In Retirement Than While Working
Release Date: 01/09/2025
Helping Millions And Making Millions On YouTube And TikTok With Humphrey Yang
The Financial Samurai Podcast
I have the pleasure of speaking with , a personal finance content creator with over 1.6 million followers on YouTube and over 3.3 million followers on TikTok. Humphrey burst onto the scene in 2020 when COVID-19 began and has been growing steadily ever since. According to polls by YouGov and toy-maker Lego, being a YouTuber or TikToker consistently ranks as one of the top aspirations for teenagers and young adults today. Given this trend, I thought it would be insightful to chat with Humphrey about his journey. With the soaring cost of college and the increasingly cutthroat competition to...
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Uncertainty, Fear, And Chaos: A Real Estate Investor's Best Friends
The Financial Samurai Podcast
With trade wars, massive federal government employee cuts, fallout with Ukraine, and worsening relationships with European countries, the Trump administration is kicking off with significant uncertainty and chaos. I spoke with Ben Miller, co-founder and CEO of , about how this turbulence could impact the real estate market. In essence, chaos can be good for real estate, and he believes real estate will outperform stocks in 2025 and potentially 2026. Read the post with charts: Join 60,000+ others and sign up for the free Financial Samurai newsletter . Financial Samurai is the leading...
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The Million-Dollar Mindset By Personal Finance Enthusiasts
The Financial Samurai Podcast
With stock market volatility returning and the potential for an economic slowdown ahead, I can’t help but feel grateful for the incredible gains we’ve made in 2023 and 2024. This reflection led me to record why I believe those who actively manage their finances are among the luckiest people on earth. With our (post), we’re not just accumulating wealth—we’re creating happier, healthier, and more fulfilling lives than those who neglect their finances. Since 2020, those of us who prioritize financial growth have seen our investments soar, making life significantly easier. My hope is...
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Building Purpose, Minimizing Regret, And Getting Off The Achievement Treadmill
The Financial Samurai Podcast
I speak with Dr. Jordan Grumet about building purpose for a happier and more meaningful life. If you're feeling stuck, as many of us so inevitably do at some point, Dr. Grumet has a new book out called (Amazon) to help you find your way. You can learn more about Dr. Grumet's book and his podcast, Earn & Invest, at If you enjoyed this episode, I'd appreciate a share, rate and review. Each podcast takes hours to record and produce and your reviews keep me going. If you want to stay on top of everything I write on Financial Samurai, you can subscribe to my free weekly...
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How An Open-Ended Venture Capital Fund Operates
The Financial Samurai Podcast
In part 2 of my discussion with Ben Miller, CEO of , and sponsor of Financial Samurai, I ask him about how an open-ended venture capital fund works. If I’m going to build a $500,000+ position in an open-ended fund to gain more exposure to , I want to fully understand how the fund operates. Here are some of the questions I asked during our discussion: What happens to a private company that successfully goes public, and how does this impact the fund? Is it harder to identify a promising company or to actually invest in that company? How does Fundrise and other venture capital firms...
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The Bull Case For Commercial Real Estate In 2025 And Beyond
The Financial Samurai Podcast
In this episode, I speak to Ben Miller, co-founder and CEO of about his outlook for commercial real estate in 2025. Despite high mortgage rates, he's taken a positive view and he shares the main reasons why. Investing in stocks and bonds in your 401(k) or IRA are classic staples for retirement investing. However, I also suggest diversifying into real estate—an investment that combines the income stability of bonds with greater upside potential. I’ve personally invested over $300,000 with Fundrise, and they’ve been a trusted partner and long-time sponsor of Financial Samurai. With...
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Why You Could Make More In Retirement Than While Working
The Financial Samurai Podcast
One of the biggest reasons I was is my belief that most people won’t make more money in retirement than while working. As a result, they’re unlikely to pay a higher tax rate in retirement than during their working years. While most Americans earn less in retirement, you aren’t most people. You subscribe to the and are obsessed about money and living an incredible life! Readers of personal finance sites like this one are likely saving far more and investing more strategically than the average individual. We're a nerdy bunch who care immensely about our financial future. Thanks to the...
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What To Expect In 2025 For Stocks, Real Estate, And Financial Samurai
The Financial Samurai Podcast
Happy New Year everyone! I hope you’re enjoying the time off and doing some reflecting. I’ve returned to San Francisco after eight days of being in Oahu and am ready to relax some more! Here are some quick thoughts about what to expect in 2025 for the stock market, real estate market, and Financial Samurai. Mentioned posts: Join 60,000+ other readers achieving financial sooner by subscribing to my free weekly newsletter .
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How To Increase Your Chances Of Getting Into A Top College
The Financial Samurai Podcast
I speak to high school principal, John Durante, about his latest book, We also talk in depth about how high school students can boost their chances of getting into a top college. John has interviewed hundreds of college admissions officers on his podcast, , and plans to interview hundreds more! If you have any questions you’d like John to cover on future episodes, or any comments you’d like to share, please email him at: And don’t forget to visit his website at More resources: Monica Romero Matthews - Facebook Group: Scholarship Help & College Talk for Parents ...
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Concerns From Retirement Planners With Steve Chen, Founder of Boldin (formerly NewRetirement)
The Financial Samurai Podcast
I recently spoke with Steve Chen, founder of (formerly NewRetirement), about common concerns retirees face. Boldin stands out as the most comprehensive DIY financial planning software I’ve encountered. It goes beyond analyzing stocks and bonds, incorporating other investments to optimize your net worth. Boldin also helps address key financial goals like buying a house, saving for college, planning for retirement, and more. You can start with —it’s far more detailed than a typical retirement calculator. For just $120 a year, you can upgrade to PlannerPlus, unlocking its full potential....
info_outlineOne of the biggest reasons I was against contributing to a Roth IRA is my belief that most people won’t make more money in retirement than while working. As a result, they’re unlikely to pay a higher tax rate in retirement than during their working years.
While most Americans earn less in retirement, you aren’t most people. You subscribe to the free Financial Samurai newsletter and are obsessed about money and living an incredible life!
Readers of personal finance sites like this one are likely saving far more and investing more strategically than the average individual. We're a nerdy bunch who care immensely about our financial future.
Thanks to the power of compounding, decades of disciplined saving and investing could result in you earning far more in retirement than you ever anticipated.
And perhaps equally as important is understanding how 401(k) and IRA withdrawals are taxed. They are considered deferred income and will be taxed as income, not capital gains.
You can read more and discuss on my post: Why You May Make More In Retirement Than While Working. There's an example too.
Reach Financial Freedom Sooner With Boldin
If you’re serious about building wealth and retiring comfortably, consider signing up for Boldin’s powerful retirement planning tools. They offer a free version and a PlannerPlus version for just $120/year—an affordable alternative to hiring a financial advisor. For the paid version, there's a free 14-days trial.
Boldin was specifically designed for retirement planning, providing a holistic approach to financial management. It goes beyond managing your stock and bond portfolio by integrating real estate investments, guiding Roth conversions to minimize taxes, helping with college savings, and addressing other real-life financial scenarios we all face.
As I approach the traditional retirement age, I’ve found Boldin’s tools particularly helpful in deciding how much to convert to a Roth IRA. The ability to model various “what if” scenarios has been invaluable for planning my future, especially for when I’m older and less able to manage my finances.
To Your Financial Freedom,
Sam
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