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  116. <li id="menu-item-42344" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-42344"><a href="http://www.financialsamurai.com/free-wealth-management/" itemprop="url"><span itemprop="name">Free Wealth Management</span></a></li>
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  120. </ul></div></nav><div class="site-inner"><div class="content-sidebar-wrap"><main class="content"><article class="post-2 page type-page status-publish pmpro-has-access entry" itemscope itemtype="http://schema.org/CreativeWork"><header class="entry-header"><h1 class="entry-title" itemprop="headline">About</h1>
  121. </header><div class="entry-content" itemprop="text"><p><img class="alignright size-medium wp-image-51986" src="http://cdn.financialsamurai.com/wp-content/uploads/2015/06/hawaii-house-overlooking-ocean-350x263.jpg" alt="Who Is Financial Samurai? " width="350" height="263" srcset="http://cdn.financialsamurai.com/wp-content/uploads/2015/06/hawaii-house-overlooking-ocean-350x263.jpg 350w, http://cdn.financialsamurai.com/wp-content/uploads/2015/06/hawaii-house-overlooking-ocean-667x500.jpg 667w, http://cdn.financialsamurai.com/wp-content/uploads/2015/06/hawaii-house-overlooking-ocean.jpg 728w" sizes="(max-width: 350px) 100vw, 350px" />Dear Readers,</p>
  122. <p>In 2009, the world was falling apart, and my net worth was taking a beating. I thought it would be a good idea to start a personal finance site to help myself and others make sense of chaos. After all, I had spent 10 years working in the finance industry, got my MBA from Cal, invested and saved aggressively, and still got financially rocked!</p>
  123. <p>Since the financial crisis, more than 20 million visitors have stopped by Financial Samurai to learn, share, and grow. Financial Samurai delves deeper into investing, real estate, retirement planning, career strategies, money philosophy, and more, so we can all achieve financial independence sooner, rather than later. Every article is written based off first hand experience to provide the most helpful insights possible. Money matters are too important to be left up to pontification.</p>
  124. <p>Financial Samurai has been highlighted in major publications such as <em>Forbes, The Wall Street Journal Online, Business Insider, The Consumerist, The Sydney Herald, The Chicago Tribune </em>and <em>The Los Angeles Times. </em>I&#8217;ve also done interviews with<em> AARP, Newstalk Radio 910AM (KKSF San Francisco) </em>and<em> Bloomberg.</em></p>
  125. <p>If you are looking to get an honest and in-depth review of the best financial products to help you achieve financial independence, take a look at my <a href="http://www.financialsamurai.com/top-financial-products/" target="_blank">Top Financial Products</a> page. I&#8217;ve literally spent hundreds of hours researching, analyzing, and using these products to make sure I only highlight the best products for my users. I&#8217;ve cut through the clutter so you don&#8217;t have to.</p>
  126. <p>Audio intro:</p>
  127. <!--[if lt IE 9]><script>document.createElement('audio');</script><![endif]-->
  128. <audio class="wp-audio-shortcode" id="audio-2-1" preload="none" style="width: 100%;" controls="controls"><source type="audio/mpeg" src="http://cdn.financialsamurai.com/wp-content/uploads/2016/12/FS-Intro-Final.m4a?_=1" /><a href="http://cdn.financialsamurai.com/wp-content/uploads/2016/12/FS-Intro-Final.m4a">http://www.financialsamurai.com/wp-content/uploads/2016/12/FS-Intro-Final.m4a</a></audio>
  129. <h2><span style="color: #000000;">About The Writer &#8211; The Long Version</span></h2>
  130. <p>After thirteen years of working in Corporate America, money ceased to be a major driving factor. Instead, living absolutely free became my biggest motivation. I fantasized about what it would be like to just write, spend time with family, and travel, with little financial worries. Three years after starting this site in 2009 I <a href="http://www.financialsamurai.com/taking-a-leap-of-faith-retiring-on-own-terms/" target="_blank">took the leap of faith</a>.</p>
  131. <p>Leaving a healthy paycheck was not easy, but I knew if I didn&#8217;t take the risk then, I would probably never leave. I actually planted the seeds for my early exit at the very beginning of my career. Starting with my first job at a investment bank out of college in NYC, I saved over 50% of my after tax income every year because I knew I wouldn&#8217;t be able to last a lifetime working 70+ hours a week. I used my savings to buy rental properties, stocks, bonds, and CDs in order to <a href="http://www.financialsamurai.com/how-to-build-passive-income-for-financial-independence/" target="_blank">build passive income streams</a> so I might one day be more free.</p>
  132. <p>Things were going well until the 2008 financial crisis hit, wiping away 35% of my net worth in just 12 months. Financial Samurai began as a cathartic way to make sense of all the carnage and ease the pain. By the time I decided to leave Corporate America in 2012, I was generating about $80,000 in passive income, while Financial Samurai had grown to provide an additional source of income as well. <a href="http://www.financialsamurai.com/how-to-start-a-profitable-blog/" target="_blank">Starting a blog changed my life for the better</a> and I recommend everybody do the same to at least build their brand online. Never in my wildest dreams did I imagine not having to work a day job after age 34 due to this site and my investing efforts.</p>
  133. <p>Life speed accelerates because the older we get, the less time we have left to live. Getting our financial lives in order early allows us time to fully live our dreams. This site shares my strategies for achieving financial freedom as soon as possible. I also share my ideas for building wealth through <a href="http://www.financialsamurai.com/category/real-estate/" target="_blank">real estate</a>, <a href="http://www.financialsamurai.com/category/investments/" target="_blank">stocks and bonds</a>, private equity, and <a href="http://www.financialsamurai.com/blogging-for-a-living-how-much-can-you-really-make-online/" target="_blank">online entrepreneurship</a>.</p>
  134. <p>I truly believe there is unlimited upside to building wealth. The key is to adopt an abundance mentality!</p>
  135. <h2>Philosophy</h2>
  136. <p>Any time you can combine generating real value with having fun, you’ve hit a grand slam. I write because I enjoy the experience. Readers and your comments are what make running this site a blast. Dialog matters; the more we communicate with others, the more complete we become ourselves.</p>
  137. <p>Sushi (surprise, surprise) is one of my favorite foods, and I can watch college football and basketball all day long. I&#8217;m an avid USTA 5.0-ranked tennis player who would play five days a week if my knees didn&#8217;t break down. There is a mental-to-physical connection in everything we do, so I try to balance all the blog work with keeping active and fit.</p>
  138. <p>I used to own a luxury automobile; now I own a 2015 Honda Fit named Rhino for less than $20,000. It&#8217;s funny how I no longer care about flashy things the older I get. It&#8217;s all about <a href="http://www.financialsamurai.com/the-rise-of-stealth-wealth-guide-to-staying-invisible-from-society-rage/" target="_blank">Stealth Wealth</a> nowadays.</p>
  139. <p>I&#8217;ve made and lost hundreds of thousands of dollars in real estate and the stock market. As a result, I’ve learned the hard way that rebalancing and having a <a href="http://www.financialsamurai.com/the-proper-asset-allocation-of-stocks-and-bonds-by-age/" target="_blank">proper asset allocation of stocks and bonds</a> is important to make sure that my risk exposure is not too great.</p>
  140. <p>I now keep track of all my finances using the free online wealth manager from <a href="http://personalcapital.go2cloud.org/SHKY" target="_blank" rel="nofollow">Personal Capital</a>. Personal Capital has been fantastic for helping me monitor my net worth, manage my expenses, and cut down on exorbitant mutual fund fees in my 401K. They&#8217;ve got the best Retirement Planning Calculator I&#8217;ve seen on the web because they use your real data to calculate what your retirement cash flow will be like. Everybody should link up their accounts and see their results. Here&#8217;s mine.</p>
  141. <div id="attachment_56726" style="width: 738px" class="wp-caption aligncenter"><a href="http://personalcapital.go2cloud.org/SHKY" target="_blank" rel="nofollow"><img class="wp-image-56726 size-full" src="http://cdn.financialsamurai.com/wp-content/uploads/2015/12/Retirement-Planner-Personal-Capital-Financial-Samurai.png" alt="Retirement Planner Personal Capital" width="728" height="405" srcset="http://cdn.financialsamurai.com/wp-content/uploads/2015/12/Retirement-Planner-Personal-Capital-Financial-Samurai.png 728w, http://cdn.financialsamurai.com/wp-content/uploads/2015/12/Retirement-Planner-Personal-Capital-Financial-Samurai-350x195.png 350w, http://cdn.financialsamurai.com/wp-content/uploads/2015/12/Retirement-Planner-Personal-Capital-Financial-Samurai-360x200.png 360w" sizes="(max-width: 728px) 100vw, 728px" /></a><p class="wp-caption-text">Is your retirement on track? Click to find out</p></div>
  142. <p>If all I could ever earn was $80,000 (gross) a year, I&#8217;d be content; I really don’t need a whole lot to be happy. Without debt it doesn&#8217;t take much to live a comfortable life. After all, there are only so many things one can buy and experience. While all this may be true, however, I still make the argument that $200,000 &#8211; $250,000 a year per individual and $250,000 &#8211; $300,000 per household is the ideal income for maximum happiness. Studies show that the poor and rich are equally happy, so why not strive to be rich?</p>
  143. <p>Education is absolutely the key to freedom. When I graduated from The College of William &amp; Mary in 1999, I swore I&#8217;d never go back to school again. Two years after working in finance, the dotcom meltdown happened and things weren&#8217;t so fun any more.</p>
  144. <p>Under those sobering circumstances I changed my mind about school and proceeded to earn my MBA from UC Berkeley&#8217;s Haas School of Business in 2006. And I discovered something funny: school actually becomes enjoyable when you focus on the learning and stop worrying about grades. Work is also more fun if you don&#8217;t need the money!</p>
  145. <h2>LATEST INVESTMENT FOCUS</h2>
  146. <p>For 2017, I&#8217;m looking to deploy capital more surgically in higher returning real estate investments around <a href="http://www.financialsamurai.com/focus-on-investment-trends-why-im-investing-in-the-heartland-of-america/" target="_blank">the heartland of America</a>. The coastal cities have become too expensive, and I no longer want to own more physical property given I have three properties inn San Francisco, one property in Lake Tahoe, and one property in Honolulu. Instead, I want to simplify life and not have to deal with tenants.</p>
  147. <p>The most attractive investment opportunities are in the South and the Midwest through real estate crowdsourcing platform <a href="http://www.financialsamurai.com/RS" target="_blank">RealtyShares</a>. They are the largest, and most trustworthy platforms having done over 400 deals valued at more than $200M across their platform so far. The CEO is a fellow Berkeley MBA alumni, and I&#8217;ve met with him and a bunch of their staff.</p>
  148. <p>The great thing about real estate crowdsourcing is that you can invest in projects with potentially 9 &#8211; 15% annual returns with as little as $5,000. If I wanted to buy another SF property, I need to come up with a $220,000 downpayment since the median home price here is ~$1.1 million. That&#8217;s too risky of an investment to make after this long bull run.</p>
  149. <div id="attachment_62791" style="width: 738px" class="wp-caption aligncenter"><img class="size-large wp-image-62791" src="http://cdn.financialsamurai.com/wp-content/uploads/2016/10/realty-shares-debt-deals-728x318.png" alt="RealtyShares debt investment opportunities" width="728" height="318" srcset="http://cdn.financialsamurai.com/wp-content/uploads/2016/10/realty-shares-debt-deals.png 728w, http://cdn.financialsamurai.com/wp-content/uploads/2016/10/realty-shares-debt-deals-350x153.png 350w" sizes="(max-width: 728px) 100vw, 728px" /><p class="wp-caption-text">Example of closed Realtyshares debt deals. You can see the open deals on their platform.</p></div>
  150. <p>I&#8217;m excited about the transition to a higher interest rate environment in 2017 and beyond. Real estate sponsors are forced to offer higher returns for its investors to stay competitive since interest rates have risen post Trump&#8217;s election. Real estate crowdsourcing, REITs, and bonds are all on my focus list.</p>
  151. <p>You can <a href="http://www.financialsamurai.com/RS" target="_blank">check out the RealtyShares platform for free</a> and see what type of offerings they currently have. My goal is to build a $250,000+ real estate crowdsourcing fund to diversify into much more attractive Red states with higher cap rates.</p>
  152. <h2><span style="color: #000000;">ABOUT THE WRITER &#8211; THE BULLET-POINT VERSION</span></h2>
  153. <p>* A 13 year finance veteran with an MBA from Cal Berkeley who&#8217;s been writing about personal finance for over seven years. Got my undergrad degree at William &amp; Mary studying Economics and Mandarin.</p>
  154. <p>* Will never fail due to a lack of effort because effort requires no skill. What a shame to never succeed because I didn&#8217;t see things through to the very end.</p>
  155. <p>* If asked to define &#8220;happiness&#8221; in one word, I would choose the word &#8220;progress.&#8221; Progress in our relationships with loved ones, progress in our occupations, and progress in our spirituality all create happiness.</p>
  156. <p>* Loved writing in high school and was the teacher&#8217;s pet in AP English. Sadly, I never took another writing course again.</p>
  157. <p>* Have lived in seven different countries and been to roughly 60 countries as of January 20, 2017.</p>
  158. <p>* Used to speak three languages pretty well. Now I only speak Mandarin and English. My Spanish is horrible, despite 8 years of learning.</p>
  159. <p>* Overcame severe asthma as a kid and can now play three hours of tennis at a time. Yet, I still can&#8217;t run five miles straight without hacking up a lung.</p>
  160. <p>* Was a 16 handicapper in golf for years until I made it a goal to break 10 one year. I&#8217;m currently sitting at 9.8.</p>
  161. <p>* US Tennis Association 5.0 ranked player for the past three years(top 1.2%)</p>
  162. <p>* Entrepreneurship fascinates me, but I turned down a golden opportunity in China upon graduation to work for a golden opportunity in NYC. Sixteen years after graduation, I&#8217;ve now come full circle and have <a href="http://www.financialsamurai.com/how-to-start-a-profitable-blog/" target="_blank">built a lifestyle business with Financial Samurai</a>.</p>
  163. <p>* Series 7 and Series 63 registered from 1999-2014. Finally expired after not working full-time for a registered broker-deal since 2012.</p>
  164. <p>* Can happily function on just six hours of sleep (or less) per day because I&#8217;m so excited to wake up and see what happened in the world while I dreamt.</p>
  165. <p>* Achieved my goal of making ~$211,000 a year from <a href="http://www.financialsamurai.com/how-to-build-passive-income-for-financial-independence/" target="_blank">various passive income investments.</a></p>
  166. <p>* Fiercely loyal and will always take care of the people who helped out.</p>
  167. <p>* The regrets I will have will be the things I don&#8217;t do.</p>
  168. <p>* Wrote a 150-page book in its second edition for 2017 entitled, <a href="http://www.financialsamurai.com/how-to-make-money-quitting-your-job/" target="_blank"><em>How To Engineer Your Layoff: Make A Small Fortune By Saying Goodbye</em></a>. The book empowers employees with their legal rights and provides a framework for how to negotiate a healthy severance package. Never quit, get laid off instead.</p>
  169. <h2><span style="color: #000000;">FINANCIAL SAMURAI SITE STATISTICS</span></h2>
  170. <div id="attachment_65843" style="width: 738px" class="wp-caption aligncenter"><img class="size-large wp-image-65843" src="http://cdn.financialsamurai.com/wp-content/uploads/2017/01/Financial-Samurai-2017-traffic-728x336.png" alt="Financial Samurai Traffic Statistics" width="728" height="336" srcset="http://cdn.financialsamurai.com/wp-content/uploads/2017/01/Financial-Samurai-2017-traffic.png 728w, http://cdn.financialsamurai.com/wp-content/uploads/2017/01/Financial-Samurai-2017-traffic-350x162.png 350w" sizes="(max-width: 728px) 100vw, 728px" /><p class="wp-caption-text">Over 1 million organic pageviews a month</p></div>
  171. <p>* 30,000 &#8211; 40,000 pageviews a day on average.</p>
  172. <p>* Over 1,000,000 organic (no advertisement) pageviews a month.</p>
  173. <p>* Reader demographics: Majority are ages 25-45, college educated, top 20% income earners, 30% with net worth of over $500,000. Roughly 30% are accredited investors. Here&#8217;s a comprehensive post highlighting the <a href="http://www.financialsamurai.com/who-is-the-typical-financial-samurai-reader/" target="_blank">Financial Samurai Reader Demographic</a> based off over 80 surveys conducted since 2012.</p>
  174. <p>* Started in July, 2009.</p>
  175. <h2><span style="color: #000000;"><strong>CONTACT ME FOR</strong></span></h2>
  176. <p>* TV, radio, or written interviews. I&#8217;m always happy to help a reporter or broadcaster out.</p>
  177. <p>* Advertising opportunities. See the FS Reader Demographics post above.</p>
  178. <p>* <a href="http://www.financialsamurai.com/fs-online-services/career-personal-finance/" target="_blank">1X1 Career and Personal Finance Consulting</a> (I currently have a 1 month long waiting list as of 1Q2017)</p>
  179. <p>Email: financialsamurai at gmail dot com (Publicists, please DO NOT add me to your blast lists)<strong><br />
  180. </strong></p>
  181. <p><em>Regards,</em></p>
  182. <p><em>Sam Dogen &#8211; </em><em>&#8220;Slicing Through Money&#8217;s Mysteries&#8221;</em></p>
  183. <p><em>Please sign up for updates via<a href="http://feeds.feedburner.com/FinancialSamurai" target="_blank" rel="nofollow"> RSS </a>, <a href="http://feedburner.google.com/fb/a/mailverify?uri=FinancialSamurai&amp;loc=en_US" target="_blank" rel="nofollow">E-mail</a> (get my posts in your inbox ~3X a week), or my <a href="http://forms.aweber.com/form/70/414890070.htm" target="_blank">monthly newsletter</a> (new content not publicly published).</em></p>
  184. <h2><span style="color: #000000;"><strong>DISCLOSURES</strong></span></h2>
  185. <p><strong>Privacy Policy</strong></p>
  186. <p><em>Per FTC guidelines, this website may be compensated by companies mentioned through advertising, affiliate programs or otherwise. Any references to third party products, rates, or websites are subject to change without notice. Please do the appropriate research before participating in any third party offers.</em></p>
  187. <p>Your privacy is very important to us. Accordingly, we have developed this Policy in order for you to understand how we collect, use, communicate and disclose and make use of personal information. The following outlines our privacy policy.</p>
  188. <ul>
  189. <li>Before or at the time of collecting personal information, we will identify the purposes for which information is being collected.</li>
  190. <li>We will collect and use of personal information solely with the objective of fulfilling those purposes specified by us and for other compatible purposes, unless we obtain the consent of the individual concerned or as required by law.</li>
  191. <li>We will only retain personal information as long as necessary for the fulfillment of those purposes.</li>
  192. <li>We will collect personal information by lawful and fair means and, where appropriate, with the knowledge or consent of the individual concerned.</li>
  193. <li>Personal data should be relevant to the purposes for which it is to be used, and, to the extent necessary for those purposes, should be accurate, complete, and up-to-date.</li>
  194. <li>We will protect personal information by reasonable security safeguards against loss or theft, as well as unauthorized access, disclosure, copying, use or modification.</li>
  195. <li>We will make readily available to customers information about our policies and practices relating to the management of personal information.</li>
  196. </ul>
  197. <p>We are committed to conducting our business in accordance with these principles in order to ensure that the confidentiality of personal information is protected and maintained.</p>
  198. <p><strong>Web Site Terms and Conditions of Use</strong></p>
  199. <p><strong>1. Terms</strong><br />
  200. By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this web site are protected by applicable copyright and trademark law.</p>
  201. <p><strong>2. Use License</strong><br />
  202. a. Permission is granted to temporarily download one copy of the materials<br />
  203. (information or software) on Financialsamurai.com’s web site for personal,<br />
  204. non-commercial transitory viewing only. This is the grant of a license,<br />
  205. not a transfer of title, and under this license you may not:<br />
  206. i. modify or copy the materials;<br />
  207. ii. use the materials for any commercial purpose, or for any public display (commercial or non-commercial);<br />
  208. iii. attempt to decompile or reverse engineer any software contained on Financialsamurai.com’s web site;<br />
  209. iv. remove any copyright or other proprietary notations from the materials; or<br />
  210. v. transfer the materials to another person or “mirror” the materials on any other server.<br />
  211. b. This license shall automatically terminate if you violate any of these restrictions and may be terminated by Financialsamurai.com at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.</p>
  212. <p><strong>3. Disclaimer</strong><br />
  213. a. The materials on Financialsamurai.com’s web site are provided “as is”. Financialsamurai.com makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, Financialsamurai.com does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet web site or otherwise relating to such materials or on any sites linked to this site.</p>
  214. <p><strong>4. Limitations</strong><br />
  215. In no event shall Financialsamurai.com or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on Financialsamurai.com’s Internet site, even if Financialsamurai.com or a Financialsamurai.com authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.</p>
  216. <p><strong>5. Revisions and Errata</strong><br />
  217. The materials appearing on Financialsamurai.com’s web site could include technical, typographical, or photographic errors. Financialsamurai.com does not warrant that any of the materials on its web site are accurate, complete, or current. Financialsamurai.com may make changes to the materials contained on its web site at any time without notice. Financialsamurai.com does not, however, make any commitment to update the materials.</p>
  218. <p><strong>6. Links</strong><br />
  219. Financialsamurai.com has not reviewed all of the sites linked to its Internet web site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Financialsamurai.com of the site. Use of any such linked web site is at the user’s own risk.</p>
  220. <p><strong>7. Site Terms of Use Modifications</strong><br />
  221. Financialsamurai.com may revise these terms of use for its web site at any time without notice. By using this web site you are agreeing to be bound by the then current version of these Terms and Conditions of Use.</p>
  222. <p><strong>8. Governing Law</strong><br />
  223. Any claim relating to Financialsamurai.com’s web site shall be governed by the laws of the State of California without regard to its conflict of law provisions.</p>
  224. <p><strong>9. Use Of Pictures</strong><br />
  225. You may use the pictures taken by Sam of Financial Samurai if you provide a credit link back to financialsamurai.com and an e-mail notification or comment on a post that you have done so.</p>
  226. <p><strong>10. Legal Age</strong></p>
  227. <p>You may not use the Services and may not accept the Terms if 1) you are not of legal age to form a binding contract with Financial Samurai, or 2) you are a person barred from receiving the Services under the laws of the United States or other countries including the country in which you are resident or from which you use the Services.</p>
  228. <p><strong>General Terms and Conditions applicable to Use of a Web Site</strong></p>
  229. <p>Per FTC guidelines, this website may be compensated by companies mentioned through advertising, affiliate programs or otherwise. Any references to third party products, rates, or websites are subject to change without notice. Please do the appropriate research before participating in any third party offers.</p>
  230. </div></article></main><aside class="sidebar sidebar-primary widget-area" role="complementary" aria-label="Primary Sidebar" itemscope itemtype="http://schema.org/WPSideBar"><section id="search-4" class="widget widget_search"><div class="widget-wrap"><form class="search-form" itemprop="potentialAction" itemscope itemtype="http://schema.org/SearchAction" method="get" action="http://www.financialsamurai.com/" role="search"><meta itemprop="target" content="http://www.financialsamurai.com/?s={s}"/><input itemprop="query-input" type="search" name="s" placeholder="Search Financial Samurai" /><input type="submit" value="&#xf002;"  /></form></div></section>
  231. <section id="text-111" class="widget widget_text"><div class="widget-wrap">         <div class="textwidget"><center><a href="http://www.financialsamurai.com/about/" target="_blank"><img src="http://cdn.financialsamurai.com/wp-content/uploads/2016/12/AsFeaturedIn-v12.png" alt="Where Financial Samurai Has Been Featured"/></a></center>
  232. </div>
  233.         </div></section>
  234. <section id="most_popular_posts-5" class="widget widget_most_popular_posts"><div class="widget-wrap">
  235. <h4 class="widget-title widgettitle">Most Commented Posts</h4>
  236.  
  237. <ul>    <li><a href="http://www.financialsamurai.com/how-much-money-do-the-top-income-earners-make-percent/">How Much Money Do The Top Income Earners Make?</a> (1275)</li>
  238.     <li><a href="http://www.financialsamurai.com/the-110th-rule-for-car-buying-everyone-must-follow/">The 1/10th Rule For Car Buying Everyone Must Follow</a> (836)</li>
  239.     <li><a href="http://www.financialsamurai.com/creating-powerful-friends-the-alexa-ranking-challenge/">Creating Powerful Friends: Samurai's Alexa Ranking Challenge</a> (806)</li>
  240.     <li><a href="http://www.financialsamurai.com/how-much-should-one-have-in-their-401k-at-different-ages/">How Much Should People Have Saved In Their 401Ks At Different Ages</a> (804)</li>
  241.     <li><a href="http://www.financialsamurai.com/the-average-net-worth-for-the-above-average-person/">The Average Net Worth For The Above Average Person</a> (748)</li>
  242.     <li><a href="http://www.financialsamurai.com/disadvantages-of-the-roth-ira-not-all-is-what-it-seems/">Disadvantages Of The ROTH IRA: Not All Is What It Seems</a> (454)</li>
  243.     <li><a href="http://www.financialsamurai.com/are-there-really-people-who-only-work-40-hours-a-week-or-less/">Are There Really People Who Only Work 40 Hours A Week Or Less And Complain Why They Can't Get Ahead?</a> (412)</li>
  244.     <li><a href="http://www.financialsamurai.com/were-idiots-please-tell-us-a-flat-tax-is-not-fair/">We're Ignorant Idiots! Please Tell Us Why A Flat Tax Is Not Fair</a> (400)</li>
  245.     <li><a href="http://www.financialsamurai.com/how-to-make-six-figures-income-at-almost-any-age/">How To Make Six Figures A Year At Almost Any Age</a> (318)</li>
  246.     <li><a href="http://www.financialsamurai.com/the-dark-side-of-early-retirement-risks-dangers/">The Dark Side Of Early Retirement</a> (311)</li>
  247.     <li><a href="http://www.financialsamurai.com/west-coast-living-yes-it-really-is-that-much-better/">West Coast Living - Yes It Really Is That Much Better!</a> (306)</li>
  248.     <li><a href="http://www.financialsamurai.com/how-to-get-a-rich-man-to-be-your-boyfriend-or-husband/">How To Get A Rich Man To Be Your Boyfriend Or Husband</a> (295)</li>
  249.     <li><a href="http://www.financialsamurai.com/how-much-income-do-you-consider-to-be-rich/">What Income Level Is Considered Rich?</a> (289)</li>
  250.     <li><a href="http://www.financialsamurai.com/how-to-retire-early-and-never-have-to-work-again/">How To Retire Early And Never Have To Work Again</a> (287)</li>
  251.     <li><a href="http://www.financialsamurai.com/renters-should-pay-more-taxes/">Renters Should Pay More Taxes</a> (272)</li>
  252.     <li><a href="http://www.financialsamurai.com/east-coast-living-is-it-really-that-bad/">East Coast Living - Is It Really That Bad?</a> (263)</li>
  253.     <li><a href="http://www.financialsamurai.com/how-do-people-to-live-a-comfortable-life-making-less-than-100000-in-expensive-cities-like-new-york/">How Do People Live A Comfortable Life Making Less Than Six Figures In Expensive Cities?</a> (256)</li>
  254.     <li><a href="http://www.financialsamurai.com/the-first-million-might-be-the-easiest-how-to-become-a-millionaire-by-30/">The First Million Might Be The Easiest: How To Become A Millionaire By Age 30</a> (249)</li>
  255. </ul>
  256. </div></section>
  257.  
  258. <div class="split-sidebars"><div class="split-sidebar-left" class="widget-area"><section id="categories-4" class="widget widget_categories"><div class="widget-wrap"><h4 class="widget-title widgettitle">Categories</h4>
  259.         <ul>
  260.     <li class="cat-item cat-item-6"><a href="http://www.financialsamurai.com/category/cars/" >Automobiles</a>
  261. </li>
  262.     <li class="cat-item cat-item-27"><a href="http://www.financialsamurai.com/category/big-government-love/" >Big Government</a>
  263. </li>
  264.     <li class="cat-item cat-item-14"><a href="http://www.financialsamurai.com/category/savings/" >Budgeting &amp; Savings</a>
  265. </li>
  266.     <li class="cat-item cat-item-9"><a href="http://www.financialsamurai.com/category/career/" >Career &amp; Employment</a>
  267. </li>
  268.     <li class="cat-item cat-item-125"><a href="http://www.financialsamurai.com/category/credit-score/" >Credit Score</a>
  269. </li>
  270.     <li class="cat-item cat-item-57"><a href="http://www.financialsamurai.com/category/debt/" >Debt</a>
  271. </li>
  272.     <li class="cat-item cat-item-12"><a href="http://www.financialsamurai.com/category/education/" >Education</a>
  273. </li>
  274.     <li class="cat-item cat-item-141"><a href="http://www.financialsamurai.com/category/entrepreneurship/" >Entrepreneurship</a>
  275. </li>
  276.     <li class="cat-item cat-item-140"><a href="http://www.financialsamurai.com/category/gig-economy/" >Gig Economy</a>
  277. </li>
  278.     <li class="cat-item cat-item-115"><a href="http://www.financialsamurai.com/category/health-fitness/" >Health &amp; Fitness</a>
  279. </li>
  280.     <li class="cat-item cat-item-19"><a href="http://www.financialsamurai.com/category/insurance/" >Insurance</a>
  281. </li>
  282.     <li class="cat-item cat-item-15"><a href="http://www.financialsamurai.com/category/investments/" >Investments</a>
  283. </li>
  284.     <li class="cat-item cat-item-114"><a href="http://www.financialsamurai.com/category/mortgages/" >Mortgages</a>
  285. </li>
  286.     <li class="cat-item cat-item-23"><a href="http://www.financialsamurai.com/category/most-popular/" >Most Popular</a>
  287. </li>
  288.     <li class="cat-item cat-item-64"><a href="http://www.financialsamurai.com/category/motivation/" >Motivation</a>
  289. </li>
  290.     <li class="cat-item cat-item-132"><a href="http://www.financialsamurai.com/category/podcast/" >Podcast</a>
  291. </li>
  292.     <li class="cat-item cat-item-18"><a href="http://www.financialsamurai.com/category/real-estate/" >Real Estate</a>
  293. </li>
  294.     <li class="cat-item cat-item-17"><a href="http://www.financialsamurai.com/category/relationships/" >Relationships</a>
  295. </li>
  296.     <li class="cat-item cat-item-8"><a href="http://www.financialsamurai.com/category/retirement/" >Retirement</a>
  297. </li>
  298.     <li class="cat-item cat-item-11"><a href="http://www.financialsamurai.com/category/taxes/" >Taxes</a>
  299. </li>
  300.     <li class="cat-item cat-item-142"><a href="http://www.financialsamurai.com/category/travel/" >Travel</a>
  301. </li>
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