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Blogger Profile


Sam Dogen

Blog Info

Name:
Financial Samurai
Category:
Early Retirement
Tags:
Investing, Real Estate
Start Year:
2009

Blogger Bio

Location:
San Francisco, California, United States
Age:
30s
Race:
Asian
Gender:
Male
Life stage:
DIK (Dual Income, Kids)
Profession:
Blogger

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Latest Blog Posts

One of the luckiest things I’ve ever done was not sell any major assets during the downturn between 2009 – 2012. It’s understandable to panic sell when things are crashing and burning. It’s also easy to sell in a down market when you have a major life event e.g. losing your job, having a baby, etc. But fortunately, many of my investments were either illiquid (real estate) or were locked up with ...
Posted: Jun 03 2017 @ 11:28 AM
As part of their 10 year anniversary, San Francisco-based LendingClub reached out to me to sponsor an overview of their latest initiatives. It’s been over a year since I wrote about P2P lending, so this is a good time for an update. All thoughts are my own. Before 2007, the world was quite different. There was no such thing as an iPhone, blogs weren’t very popular, and I was still in my 20s. ...
Posted: Jun 01 2017 @ 6:25 AM
I don’t have very many wants in life, namely: A lovely wife A healthy family Sexy good looks Financial independence A feeling of purpose Admiration and respect from everyone A happy default predisposition A cozy home with an ocean view After these eight things, what more does a guy really want or need? I’m not greedy. But lately, I’ve been wanting one more thing to fill up the large empty space underneath my deck: a hot tub! I don’t know ...
Posted: May 30 2017 @ 5:08 AM
Dear College Graduates, I’m sorry to say, but the good times are over! I know making a living on your own might sound scary, but heck, millions of people have done so in the past, so have some faith.  From a physical standpoint, you’ll probably only get flabbier, grayer, and more stressed. Don’t be surprised if you start experiencing chronic back pain, elbow pain, shoulder pain, sciatica, and plantar fasciitis. The common cold ...
Posted: May 27 2017 @ 5:08 AM
I live by the mantra, “Never fail due to a lack of effort because hard work requires no skill.” It’s a reminder to STOP making excuses when something seems too daunting to tackle. There’ve been too many instances when I didn’t start something because I felt I lacked the skills necessary to succeed. I’ve regretted each non-action. For example, I postponed starting Financial Samurai until 2009, three years after first contemplating the idea, because I didn’t know ...
Posted: May 24 2017 @ 10:56 AM
I am a super optimist. Whenever I sprain my ankle, the first thing I think is: thank goodness I didn’t break my ankle. Whenever I lose a bidding war on a house I want, I think to myself: there will always be another one. Whenever someone says something terrible about me online, I think to myself: at least someone is reading. Perhaps perpetual failure is the reason why I’m so optimistic. ...
Posted: May 22 2017 @ 10:18 AM
“When I was trying to buy my first home, I wasn’t buying smashed avocado for $19 and four coffees at $4 each,” Tim Gurner, an Australian property mogul told 60 Minutes. “We’re at a point now where the expectations of younger people are very, very high,” Gruner said. “They want to eat out every day, they want to travel to Europe every year. The people that own homes today worked very, ...
Posted: May 17 2017 @ 10:48 AM
“When I was trying to buy my first home, I wasn’t buying smashed avocado for $19 and four coffees at $4 each,” Tim Gurner, an Australian property mogul told 60 Minutes. “We’re at a point now where the expectations of younger people are very, very high,” Gruner said. “They want to eat out every day, they want to travel to Europe every year. The people that own homes today worked very, ...
Posted: May 17 2017 @ 10:48 AM
I’ve got around ~$1,800,000 in home equity locked up in one property. The property was originally purchased for $1,520,000 at the end of 2004 with $305,000 down and a $1,217,000 mortgage. The property is now worth an estimated $2,600,000 with a remaining $800,000 mortgage at 2.375%. Although it’s nice to have $1,800,000 of home equity (31% LTV), it’s essentially “dead money” that is doing nothing to improve my net worth or lifestyle. ...
Posted: May 16 2017 @ 5:08 AM
This Mother’s Day, I’d like to highlight how difficult it is to get pregnant, stay pregnant, and work while pregnant. My hope is the more aware people are about the difficulties of pregnancy, the more compassion there will be for pregnant women and moms in general. I’ve come across too many heartless folks who make pregnant women feel uncomfortable at work and make them never want to go back to work after giving ...
Posted: May 14 2017 @ 7:55 AM

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