The Financial Samurai Podcast

Sam Dogen: Financial Samurai founder, personal finance blogger

Helping listeners achieve financial freedom sooner rather than later. Financial Samurai is America's number one personal finance blog and podcast helping you make more money, save more money, and live the life that you truly want.

  1. vor 5 Tagen

    Nobody Is Ever Truly Independent: Caring for Parents, Raising Kids, and the 37-Year-Olds Still Cashing Dad's Checks

    Being an adult is hard, and nobody is ever truly independent. In this episode, my wife and I talk about spending 30 days in Honolulu with my parents and what it's like to slowly shift from being cared for to being the caretaker. We also get into a bizarre encounter with two park rangers on an empty public tennis court while I was teaching my own kids, and a discussion about what a real adult actually is when a 37-year-old still depends on her father for money. Three generations, one uncomfortable question about who takes care of who. We also touch on how hard it was to spend our Summer YOLO Fund. The full accounting comes in tomorrow's post. Related posts: Real Adults Are Not Financially Dependent On Their Parents (But That's OK): https://www.financialsamurai.com/real-adults-are-not-financially-dependent-on-parents/    How Much A Family Needs To Earn To Live Comfortably By City: SF #1!: https://www.financialsamurai.com/how-much-a-family-needs-to-earn-to-live-comfortably-by-city-sf-1/   You'll Never Be Free From The Government: Introducing The Leash Ratio: https://www.financialsamurai.com/leash-ratio/    A Tax Identification System For Determining Your Level Of Freedom: https://www.financialsamurai.com/backwards-tax-identification-system/ Podcast Support If you enjoyed this podcast, please rate, review, and share. Every review means a lot, as each episode takes hours to produce. And if you want to achieve financial freedom sooner, sign up for the free weekly Financial Samurai newsletter at https://www.financialsamurai.com/news. You can sign up for ProjectionLab or Empower to help you better manage your finances, for free. I use both and they are long-time affiliates of Financial Samurai.

  2. 23. Juni

    From Mexico To A Symantec Exit: How Domingo Guerra Built Appthority

    In this episode, I sit down with my friend and fellow school dad Domingo Guerra to trace his entrepreneurial journey: from growing up in Mexico, to studying engineering at UT Austin, to co-founding the mobile cybersecurity company Appthority with my poker and softball buddy Kevin, to selling it to Symantec in 2018. Today, Domingo runs his own seed-stage venture fund focused on cybersecurity, called Chispa VC. It always fascinates me how people become entrepreneurs, given that most of us just go to college and get a job. I wanted to start a company myself for the longest time, but I chickened out after Goldman Sachs offered me a job out of William & Mary. It took me until 2009 to finally stop waiting for permission and build something of my own. Domingo's story is the version where you take the leap much sooner, and it's a great one. If you'd like to connect with Domingo, the easiest way is to reach out to him on LinkedIn. Related posts: Y Combinator Demo Day: The Quest To Invest In The Best Startups The Startup Grind Will Make You An AI Maximalist Subscribe To Financial Samurai Enjoy the show? Please subscribe to the Financial Samurai podcast on Apple Podcasts, Spotify, or wherever you listen, and leave a quick rating and review. Reviews genuinely help more people discover the show, and they only take a minute. It's the easiest way to support the podcast for free. And if you want my best insights on money, investing, and building wealth delivered straight to your inbox, join 60,000+ readers and sign up for my free weekly newsletter. I've been writing it every week since 2009, and it's still the best way to never miss a thing.

  3. 26. März

    Public Venture Capital Is Here: Why VCX Has Soared and What Fundrise Investors Should Do Now

    With Fundrise's successful listing of VCX on March 19, 2026, its venture capital product, I want to discuss what's potentially next for the fund and for investors. The listing has far surpassed my expectations, and the expectations of most investors. Anything can happen during the 6-month lock-up period, so it's important to keep expectations low and stay humble. Don't spend any paper profits until you actually have liquidity. Financial Samurai has been working with Fundrise as a corporate partner for over 10 years now. I'm proud of what Ben Miller and his team have accomplished in democratizing access to venture capital through public venture capital. Let's see what the future holds! Related posts: After A Big Investment Win Stay Humble: Clean A Toilet How ETFs, Open End Funds, and Closed End Funds Trade Recommended Net Worth Asset Allocation By Age and Work Experience Subscribe and Support Financial Samurai Every podcast episode takes hours to record, edit, and produce. Your shares and positive reviews mean a lot and are greatly appreciated. If you've benefited from my writing in any way, please pick up a copy of Millionaire Milestones and Buy This Not That, and leave a review on Amazon. These national bestselling books will help you make better financial decisions and reach financial independence sooner rather than later. For more nuanced personal finance content, join 60,000+ subscribers and sign up for my free newsletter. Financial Samurai started in 2009 and is one of the top independently run personal finance sites today. Fundrise is a long-time sponsor of Financial Samurai and Financial Samurai is an investor in Fundrise products. Our investment philosophies are aligned.  Best, Sam

  4. 24. Feb.

    Forget Learn To Code, Learn To Invest Instead To Survive

    For more than a decade, the mantra for boosting your career and income was simple: learn to code. Becoming a programmer or engineer was seen as the clearest path to job security and high pay. But with the rapid rise of AI, coding is no longer the protective moat it once was. As I revisited my own FIRE plans after leaving work in 2012, I realized the one financial buffer that has consistently stood the test of time: knowing how to invest well. Forget "learn to code." Learn to invest. Becoming a competent investor may be the most important skill you develop to survive - and thrive - in the coming AI wave. Posts mentioned: Becoming A Competent Investor Is A Vital Skill To Master Gain Financial Security By Creating Financial Buffers For Your Financial Buffers The FIRE Movement Is So Back Due To AI Disruption Free Financial Analysis Offer From Empower Stay on top of your net worth with Empower, the web's #1 free financial app. Track your cash flow, x-ray your investment portfolio for excessive fees and inappropriate risk exposure, and use their retirement calculator to plan for the future. If you have over $100,000 in investable assets—whether in savings, taxable brokerage accounts, 401(k)s, or IRAs—you can sign up for a free financial check-up from a professional at Empower. It's a no-obligation opportunity to have a seasoned advisor—someone who analyzes portfolios for a living—take a fresh look at your finances. A professional review can help you identify hidden fees, inefficient allocations, or missed opportunities to grow and protect your wealth. More importantly, it can give you the clarity and confidence to know whether your current savings and investment strategy aligns with your long-term financial goals. I've taken advantage of three free consultations with Empower over the past decade and each session has helped me build more wealth. There's no rewind button in life. Make the most of everything, especially things that are helpful and free. The statement is provided to you by Financial Samurai ("Promoter") who has entered into a written referral agreement with Empower Advisory Group, LLC ("EAG").  Diversify Your Retirement Investments Stocks and bonds are classic staples for retirement investing. However, I also suggest diversifying into real estate. It is an investment that combines the income stability of bonds with greater upside potential. Consider Fundrise, a platform that allows you to 100% passively invest in residential and industrial real estate. With over $3.5 billion in private real estate assets under management, Fundrise focuses on properties in the Sunbelt region, where valuations are lower, and yields tend to be higher. Residential commercial real estate is attract. Meanwhile, the Fed is set to cut rates further. I've personally invested over $500,000 with Fundrise, and they've been a trusted partner and long-time sponsor of Financial Samurai. With a $10 investment minimum, diversifying your portfolio has never been easier. Subscribe To Financial Samurai To increase your chances of achieving financial independence, join 60,000+ readers and subscribe to my free Financial Samurai newsletter here. Financial Samurai began in 2009 and is the leading independently-owned personal finance site today.

  5. 13.11.2025

    Housing Security: The Underappreciated Benefit of Owning In A Rising Rent World

    The debate between owning and renting will go on forever — it all depends on your stage in life, finances, and lifestyle. But as you get older, one thing becomes clear: housing security matters more than ever. The last thing you want in retirement is to be forced out of your neighborhood because of rising rent. Yet as a renter, you have little control over how much your landlord raises prices, especially if you're not in a rent-stabilized home. With housing inflation outpacing wage growth, it's time to get neutral real estate by at least owning your primary residence. In this episode, I'll share why ownership becomes more valuable with age — and how to think about real estate in a world where affordability keeps shrinking. Read the post for more details and discussion: Please Don't Rent For Life: Housing Security Is Vital Other related post: Why I'll Never Manage Money For Anyone For Free Again Invest In Real Estate Passively If you can't buy a home yet, don't sit on the sidelines while housing prices and rents keep rising. You can still participate in the real estate market and build wealth over time — without needing to come up with a massive down payment. That's why I've invested with Fundrise, a platform that allows everyday investors to gain exposure to residential and industrial properties nationwide. With over $3 billion in assets under management and 350,000+ investors, Fundrise makes it easy to own a piece of the real estate market that continues to compound in value. Real estate has historically been one of the best ways to hedge against inflation and grow wealth passively. And with a minimum investment of only $10, anyone can start investing today. Fundrise has been a long-time sponsor of Financial Samurai because our philosophies align — consistent, disciplined investing in tangible assets to build financial freedom. Regards, Sam To expedite your journey to financial freedom, join over 60,000 others and subscribe to the free Financial Samurai newsletter. You can also get my posts in your e-mail inbox as soon as they come out by signing up here. Financial Samurai is among the largest independently-owned personal finance websites, established in 2009. Everything is written based on firsthand experience and expertise.

  6. 22.10.2025

    Permission To Live It Up In Retirement With Bill Bengen, Father Of The 4% Rule Going To 5%

    Bill Bengen, the father of the 4% Rule, is back with a new book titled A Richer Retirement. In it, he raises his SAFEMAX—or safe withdrawal rate—from 4% to 5%. This change has major implications: retirees can confidently spend more and enjoy life to the fullest, while those pursuing FIRE or traditional retirement may not need to save as aggressively or work as long to achieve financial freedom. See related Financial Samurai post: Persmission To Live It Up In Retirement Free Financial Analysis Offer From Empower If you have over $100,000 in investable assets—whether in savings, taxable accounts, 401(k)s, or IRAs—you can get a free financial check-up from an Empower financial professional by signing up here. It's a no-obligation way to have a seasoned expert, who builds and analyzes portfolios for a living, review your finances.  A fresh set of eyes could uncover hidden fees, inefficient allocations, or opportunities to optimize—giving you greater clarity and confidence in your retirement financial plan. The statement is provided to you by Financial Samurai ("Promoter") who has entered into a written referral agreement with Empower Advisory Group, LLC ("EAG"). Click here to learn more. Subscribe To Financial Samurai To increase your chances of achieving financial independence, join 60,000+ readers and subscribe to my free Financial Samurai newsletter here. Financial Samurai began in 2009 and is the leading independently-owned personal finance site today. Everything is written based off firsthand experience.

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Helping listeners achieve financial freedom sooner rather than later. Financial Samurai is America's number one personal finance blog and podcast helping you make more money, save more money, and live the life that you truly want.

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