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Public resources for Substance Abuse, Mental Health, & Developmental Disability treatment. Several weeks ago I was thinking about ways to earn a bit of extra money and I had an idea – what if Paul and I each started with a small amount of money and used it to make even more money over the course of a year. The challenge is simply this – we each get one $20 bill and at the end of the year the person who has made the most money wins. Subscribe for free email updates from Money Saving Mom® and get my Guide to Freezer Cooking for free!
I love everyones idea of doing it with their kids- I hadn’t thought of that but when my boys are older just might try it!! Last year I had a goal to make $1000 by the end of the year- I started in August and I made it- so this year my goal is $2000 for the whole year. I love the subject of Personal Finance, and enjoy books, podcasts, newsletters, and especially Yakezie network blogs.
Over the course of the next two brutal months, I lost the equivalent of four months’ salary; it was inconceivable to my callow mind. After leaving a job with my 401(k), and attempting to avoid paying taxes and penalties for early withdrawal, I was referred to a financial professional. I said ‘OK,’ because it sounded great with all these tertiary benefits like Life Insurance and a guarantee of return of principal. Note from Sam: I encourage everyone to see how they can reduce their 401(k) fees as they add up tremendously over time.
I had built up the equivalent of eight months’ salary in the 401(k) in five years, as the first employee in a small business. I had been receiving annual 401(k) plan summaries, but it turns out they had been falsified.
The employer then paid them all their money but not mine, solving their problems and isolating me from them.
Long story short, we had some difficulty with malicious neighbors, and double-standards for HOA (un)enforcement. But eight years later, employment was at 4.4% (I know, right?), and the future appeared somewhat hopeful.
The most horrific day of this slow downward grind was the worst one-day decline since Black Monday two decades prior, and my portfolio shrank by the cost of a Rolls-Royce Ghost. Well, my wife is the greatest; she understood the potential consequences for us immediately, and went back to work to help us rebuild our savings (at her employer’s request, a win-win if there is anything positive out of this). And if you, dear reader, have any PF blunders you would like to share, as along as there is a lesson to learn I would like to hear them, too.
The best tool is their Portfolio Fee Analyzer which runs your investment portfolio through its software to see what you are paying. In the long run, it is very hard to outperform any index, therefore, the key is to pay the lowest fees possible while being invested in the market.
About the Author: Sam began investing his own money ever since he opened an online brokerage account online in 1995.
Filed Under: Investments, Retirement Sam started Financial Samurai in 2009 during the depths of the financial crisis as a way to make sense of all the chaos.
For those with an entrepreneurial spirit, Sam recommends building your brand online by starting your own website.
You can sign up to receive his articles via email every time they are published three times a week. If you lend money to friends, and never see your friends again, it was money well spent… thank you for sharing your stories, I have lost a ton of money as well but like you bounced back quite easily. Thanks for the kind words, Pauline, it might seem like I bounced back easily because I left out all the time I spent sobbing, wiping away tears and snot, and drinking myself to sleep. One of the things that has drawn me to the Financial Samurai blog, is Sam’s ability to see things the way they really are instead of how he wants them to be.
I admire your positive attitude through all of your PF hurdles and for learning from your mistakes. Thanks, Sydney, with some years of hindsight I can now appreciate my former employer’s move as a brilliant strategy.
Aside from just not investing adequately and spending most of my life like a consumer, my biggest financial blunder was buying a house at the top of the market. Now, I rent that house for a loss, I’m still 60,000 upside down, and I pay the mortgage plus an additional $1000 monthly principal payment trying to get back ahead.
Mike, I salute your service and thank you and your family for what you are doing for all of us. My own thought is a bit different from most on this board; I do not see a primary residence as an investment, although some (including host Finanical Samurai) have turned some very tidy profits by doing so. I’m getting close to the acceptance stage now and am much more pragmatic about my investing. Jay, interesting situation with your father – who handled that unfortunate event like a pro. Krantcents, if I have done my math right, you bought your first home and investment properties right in the sweet-spot of the ’70s. PF blunders abound in my own life as well, including being under the impression that there’s ever a good reason to borrow money from a creditor, other than for a house or for education.
One of the things I’ve learned over the years is to press ALT + 162 to make the cents symbol. If you’ve ever read the eight-digit serial number on a dollar bill, it was probably to play liar’s poker—or out of sheer boredom. Low serial numbers, from 00000001 to 00000100, are sought after, as well as palindromes (23599532), solids (with a digit that repeats eight times), seven-of-a-kinds (66666665), ladders (45678901) and important dates (12071941). Which is too bad when you consider how much these fancy numbers can sell for—quite a bit more than the bill’s face value, in some cases.
You can also peruse the Cool Serial Numbers collection, displayed via Google+, and get a sense for how oddly soothing a row of zeros can be, although “radar repeaters” have an interesting effect of their own, and who could resist collecting the elegant numbers of the Fibonacci sequence? For all their fine specimens, however, Undis and his website are always on the lookout for new and fancier ones and have made available a comprehensive list of “Wanted” numbers, with any owners encouraged to get in touch about a sale or trade. So the next time you’re about to pay the bartender or grocery store clerk, take a minute to examine your cash.
Damage control is a tricky thing: One wrong move can make a small crisis exponentially worse. Instantly Download My New, Easy-to-Read $29.95 Grants & Scholarship Treasure Hunt Map!

You (or someone you know) needs money to pay for college and 2) You know someone who needs directions on how to find and apply for scholarships from someone who has a proven track record. Fortunately for me (and now you), I found a way to stay motivated AND figure out how to persuade members of grant and scholarship committees. Since those early failures, I poured my heart and soul into learning everything I could about to get college tuition paid for by people and organizations that want to help and donate their financial resources.
A few people that have already had privileged preview access to the guide told me that the information I share in the few short pages of the guide is worth hundreds or even thousands of dollars. Governments’ Department of Education usually offers more than one type of educational grant.
One of my close friends recently told me, You do an amazing job of sharing high quality information in a creative and fun manner.
I might have to propose this to my husband (although he would probably sell everything but the kitchen sink to win!) I love the concept though! I would shorten the time frame to a month becaus one year just seems like such a long time.
I will be using a lot of the ideas I get from your site to help me out too ?? Hope you’ll come check out my progress. He is a veteran investor who shares his perspective on investing, retirement, and risk tolerance. There is a future-based element of fantasy to the subject, reaching the financial independence to allow us to say and do what we want, instead of what we have to.
So, let’s change it up for a few minutes; sit back and vicariously experience a few stories about how someone (ok, me) metaphorically burned the roof of my mouth on a hot slice of PF pizza. I lost my nerve, and sold my fledgling mutual fund that had seemed like such a smart investment a few years earlier. Guaranteed ‘Return of Principal’ is a perceived benefit one will pay dearly for, with little practical value.
The company owner and I crossed paths at a client site I had been working at for four years; he didn’t recognize me, and I had to reintroduce myself to him. Sometimes money is the only solution to a problem, and it is nice to be able to help others when you can.
I had taken the first downturn as a buying opportunity going all-in, and on schedule to join my wife in an early retirement in 2008. For those of you eager to crap on my point, allow me to assist by saying that, yes, the Ghost is the entry-level Rolls. That had to have been every retiree’s nightmare, to be out and pulled back in, but she did it without complaint. Fortunately, my wife was cool about it, very supportive; she didn’t blame me and said she would have made the same choices with the same available information. Everybody is a risk taker when the rewards come fast and easy, but the downside of failed risk is Regret. The Kubler-Ross model for Grief has five stages which go like this: Denial, Anger, Bargaining, Depression, Acceptance.
They are a free online platform which aggregates all your financial accounts in one place so you can see where you can optimize.
I found out I was paying $1,700 a year in portfolio fees I had no idea I was paying! They also recently launched the best Retirement Planning Calculator around, using your real data to run thousands of algorithms to see what your probability is for retirement success. Once you register, simply click the Advisor Tolls and Investing tab on the top right and then click Retirement Planner. Wealthfront charges $0 in fees for the first $15,000 if you sign up via my link and only 0.25% for any money over $10,000.
Sam loved investing so much that he decided to make a career out of investing by spending the next 13 years after college working at Goldman Sachs and Credit Suisse Group. After 13 years of working in finance, Sam decided to retire in 2012 to utilize everything he learned in the business to help people achieve financial freedom sooner, rather than later. Leverage the internet to connect with like-minded people, strengthen your reputation, find new work or consulting opportunities, and potentially make enough revenue from your site to never have to work again. Sam also sends out a private quarterly newsletter with information on where he's investing his money and more sensitive information. People always see the success stories, but never hear about the thousands of failures before.
Man that must have been so frustrating that your colleagues were able to get all of their money. We all run into rough patches, and learning from them is the best thing we can do to avoid future repeats. Lent one of my brothers $5,000, even though my wife and I needed that for our house purchase. But those digits are more than a passing diversion to a thriving online community, for whom they can take on a near-mystical significance.
Instead they are after certain patterns and series that fall under the flexible heading of “fancy” serial numbers. The criteria get even more obscure from there: Undis is seeking a pi note, with the number 31415927.
Right now, on Undis’ website, you can buy a $1 bill with the serial number 00000002 for a whopping $2,500.
I ate, slept, and drank this world, and as a result of being immersed in it for four years, I was awarded over $70,000.00  to pay for college tuition. I want your honest opinion because it’ll help me make further changes to enhance the guide for future readers, who’ll be paying full price! In a nutshell, he put a stop to the federal civil forfeiture of assets seized by state and local law enforcement and “adopted” under the Equitable Sharing program.
In fact, along those lines, I intentionally pay myself first (meaning my investment funds); our bills last. With the sequester now in effect, it will be interesting to see how the economy and stock markets perform with an anchor on its back.
And now and then, I need a break from PF blogs where everybody is smart, a critical thinker, successful, resilient, goal-oriented, a winning investor, and great-looking. At the time, I considered myself well on my way to becoming a seasoned investor who could take a punch; but was revealed as a dilettante with a glass jaw.
It all sounded great as I signed, and I wondered if maybe I was taking advantage of her helpfulness. I contacted law enforcement, and they directed me to the Department of Labor to obtain documented evidence. Don’t worry about insulting someone with a simple request for information about your own money.

If you say ‘yes’, you will keep the appearance of friendship for longer, but in reality you are no longer friends. Seven years later, we sold at a net loss of…wait for it…the entire equity amount of my first house.
One bronze age comic book, that was never what one might call a contemporary success, was ‘X-Men’.
After five years of 20%+ returns in the late 1990s, I was actually kind of relieved to see a bear market for the next three years. I had been planning an early retirement since age 16, when I looked around at people working most of their lives at jobs they were ambivalent about, and decided that I had to find an out.
For those who have not yet inferred the point I have implied above, the future is unknowable. I like to revisit those old neighborhoods now and then, but currently live in the “Acceptance” zip code. Before Personal Capital, I had to log into eight different systems to track 25+ difference accounts (brokerage, multiple banks, 401K, etc) to manage my finances. There’s no better free tool online to help you track your net worth, minimize investment expenses, and manage your wealth. During this time, Sam received his MBA from UC Berkeley with a focus on finance and real estate. Sam is a big advocate of using free financial tools like Personal Capital to help people grow their net worth, track their cash flow, x-ray their portfolios for excessive fees, and plan for retirement. It makes me mad that lawyers have to be so darn expensive too that people who really need the help have to drop cases because the fees get too high. But the more apparently jumbled the digits, the less likely it is that anyone with the bill in their wallet will ever notice.
If that sounds like chump change, consider that a $5 bill with the number 33333333 goes for $13,000.
The details are a little fuzzy, but this may be a very big deal in the world of forfeiture, for reasons Jeff Welty, UNC School of Government, discuss below. I asked her how she would make any money off this, since I did not see a commission line item.
I thought if I lived my life right, I wouldn’t have any problem like this that couldn’t be reasoned or discussed.
Sometimes trust will be broken and the issue will not be what is right, but what the other party can get away with.
In two homes on my street, grandparents who had been in the houses for decades had adult children move back in and bring their teenagers with them.
I bought a copy of Giant-Size X-Men #1, read it once and put it in plastic, and stashed it in a box for 32 years. Well, in October 2007, the S&P 500 (75% of the entire US stock market) declined 57% over the next 16 months. It was a pretty shameful thing, to go over our portfolio and see such devastation without any active decisions on my part; I just turned on the computer each day, to watch it crumble further. It is at that point, one (ok, me) realizes that life is long, and will be a lot longer for those with plans that crater under real-time stress testing. Now, I can just log into Personal Capital to see how my stock accounts are doing and how my net worth is progressing. Invest your idle money cheaply, instead of letting it lose purchasing power due to inflation.
If you’re planning to both retire, shouldn’t you have 50% in bonds or something like that? To abstract away our new platonic realm from its base underpinnings of satellites, undersea cables and their controllers.
Because the people I owe money to each month will start screaming if I didn’t pay them (and I know this!), and it that motivates me to make more money to pay the bills.
I distinctly recall hitting a ‘happy hour’ after work, and overhearing two guys who appeared to be finance pros commiserating. Accept that once you think you are a seasoned investor, you are at least five years away from being seasoned.
She replied, “Don’t worry about that, the company takes good care of us.” Imagine my relief! And a 12b-1 ‘marketing fee’ of 0.5% per year, unnecessary because the marketing had been complete when I signed the contract. And some had been fortuitous pedestrian items that the market only years later determined to have nominal value. Past Bear Markets have lasted 19 years; can you endure another six years of sideways stock movement? My attempts to control my reaction to the emotions of Greed and Fear had only led me to regret. And also admit it; after reading the headline, weren’t you kind of relieved I didn’t rework the Steve Martin joke that makes it into every PF blog post about ‘a million dollars’?
In 2012, Sam was able to retire at the age of 34 largely due to his investments that now generate roughly $175,000 a year in passive income. Our allocation is a bit heavy in stock at the moment and I’m moving some over to bonds next week. If I paid them first, I’d lack the motivation to make myself make more money, and while I might have the bills paid and stay out of debt, I would still be setting my entire life up to live on paychecks. I alerted my fellow employees to the situation, and we agreed to team up to get our money back from this fictional 401(k) plan. I settled when the cost of going to trial was revealed to be twice the amount in question, with no guarantee of results or subsequent collection.
I rationalized that they didn’t ask close family or closer friends, because they didn’t want to be embarrassed.
He spends time playing tennis, hanging out with family, consulting for leading fintech companies, and writing online to help others achieve financial freedom. But that was fine print I didn’t read until years later when the stock market went up but my IRA rollover didn’t. I liked all these guys, wanted to help them out with no other agenda, and still miss their friendship to this day.

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