Sam Dogen, Financial Samurai Sam Dogen, Financial Samurai Most Recent Why households need to earn $300,000 a year to live a middle-class lifestyle In order to comfortably raise a family in an expensive coastal city like San Francisco or New York, you’ve got to make at least $300,000 a year. Why married couples should have separate bank accounts Welcome to the terrible world of financial dependence, where no matter how much your household earns, you’ll never feel free if you aren’t earning your own income. Why one couple feels like they're scraping by on $500K a year Many people consider an income of $500,000 a year to be very wealthy, but one couple in New York feels like they're scraping by on that amount. The fear of running out of money in retirement is overblown One of my biggest concerns about early retirement was running out of money. What if Financial Samurai died? Whether you decide to retire in your 60s or in your 30s, I’m here to say the fear of running out of money in retirement is overblown. The dark side of early retirement While early retirement might feel like the Holy Grail, there are definitely some drawbacks.