{"id":93474,"date":"2026-04-22T21:27:57","date_gmt":"2026-04-23T02:27:57","guid":{"rendered":"https:\/\/www.bricktowntom.com\/blog\/?p=93474"},"modified":"2026-04-22T21:27:57","modified_gmt":"2026-04-23T02:27:57","slug":"buy-this-not-that-showing-up-is-more-than-half-the-battle","status":"publish","type":"post","link":"https:\/\/www.bricktowntom.com\/blog\/04\/buy-this-not-that-showing-up-is-more-than-half-the-battle.html","title":{"rendered":"Buy This, Not That: Showing Up Is More Than Half The Battle\u00a0"},"content":{"rendered":"<p>Hey everyone! Today, we have a guest post from Sam Dogan aka. Financial Samurai. I am chilling in the Maldives and I <a href=\"https:\/\/retireby40.org\/travel-and-work-dont-mix\/\">can&#8217;t get any work done<\/a>. Fortunately, Sam offered to write a guest post for Retire by 40 and sent me his new book to review. I&#8217;m about halfway through <strong>Buy This, Not That<\/strong> and it is the best book on Financial Independence I&#8217;ve ever read. Sam will show you how to achieve financial independence and stay there. I&#8217;ve read many books on financial independence, but they all seem a bit outdated. Buy This, Not That is 100% applicable for us today. It&#8217;s really good. Check it out if you haven&#8217;t read it yet. <strong>Sam, take it away!<\/strong><\/p>\n<div class=\"wp-block-image\">\n<figure class=\"alignright size-full\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"350\" height=\"437\" src=\"https:\/\/i0.wp.com\/retireby40.org\/wp-content\/uploads\/2022\/08\/Dogen-jacket.jpg?resize=350%2C437&#038;ssl=1\" alt=\"\" class=\"wp-image-26807\" \/><\/figure>\n<\/div>\n<p>One of the reasons why I like to follow Retire By 40 is because Joe and I actually have pretty similar backgrounds. He&#8217;s an Asian guy. I&#8217;m an Asian guy. He has a son. I have a son. We both retired in 2012 and we both run personal finance sites.\u00a0<\/p>\n<p>The main difference between us is that I consider myself a&nbsp;<a href=\"https:\/\/www.financialsamurai.com\/fake-retirement\/\" rel=\"noreferrer noopener\" target=\"_blank\">fake retiree<\/a>. After all, these posts don&#8217;t write themselves! After 10 years of not having a day job, I&#8217;ve come to realize I always need to be doing something challenging. Perhaps part of it is because my wife also doesn&#8217;t have a day job and we&#8217;ve got two young kids.<\/p>\n<p>Once my son was born in 2017, it seemed like my DNA kicked in where I had to step it up. There was no more leisure lifestyle as a stay at home dad who enjoyed writing online. Instead, I felt like I needed to make more active income and&nbsp;<a href=\"https:\/\/www.financialsamurai.com\/ranking-the-best-passive-income-investments\/\" rel=\"noreferrer noopener\" target=\"_blank\">passive income<\/a>&nbsp;to provide.&nbsp;<\/p>\n<p>Without the safety net of employment, it&#8217;s been hard to completely let go. As a result, I&#8217;ve always been open to new challenges and opportunities.<\/p>\n<h2>The Opportunity To Write A New Personal Finance Book During COVID<\/h2>\n<p>When an editor at Portfolio Penguin approached me at the end of 2019 to write a book, I was intrigued. I didn&#8217;t want to write a book given our&nbsp;<a href=\"https:\/\/www.financialsamurai.com\/why-i-failed-at-early-retirement-a-love-story\/\" rel=\"noreferrer noopener\" target=\"_blank\">daughter was just born in December 2019<\/a>. The 4th trimester is generally the hardest period to raise a child. Further, we also had a rambunctious 2.5-year-old to care for as well.&nbsp;<\/p>\n<p>However, back in 2012-2013, I tried my best to get a literary agent with no luck. Therefore, for an editor from a reputable publishing house to offer me a book deal felt too hard to turn down. I knew if I didn&#8217;t accept the offer, I would look back with regret.&nbsp;<\/p>\n<p>When the COVID lockdowns began in March 2020, life got real tough real quick for stay at home parents. Signing a book deal was essentially like taking on a full-time job again along with my writing on Financial Samurai. I was overwhelmed and constantly felt under pressure.\u00a0<\/p>\n<p>But the great thing about hard work is that it doesn&#8217;t last forever. Two and a half years later on July 19, 2022, I published,&nbsp;<a href=\"https:\/\/www.financialsamurai.com\/btnt\/\" rel=\"noreferrer noopener\" target=\"_blank\">Buy This, Not That: How To Spend Your Way To Wealth And Freedom<\/a>.<\/p>\n<p>The book became an instant Wall Street Journal Bestseller and #1 Bestseller on Amazon. In a sea of established book authors, it was fun to break the status quo.&nbsp;<\/p>\n<p>What&#8217;s unique about the book is that it not only helps you build wealth sooner, it also tackles some of life&#8217;s most common dilemmas. These include:<\/p>\n<ul>\n<li>Pay for private school or public school<\/li>\n<li>Join a startup or work for an established company<\/li>\n<li>Job hop or stay a loyal soldier<\/li>\n<li>Live in an expensive coastal city or move to a low-cost area&nbsp;<\/li>\n<li>Invest in real estate or stocks<\/li>\n<li>When to rent or buy<\/li>\n<li>When to invest in tax-advantaged versus taxable accounts<\/li>\n<li>Angel invest or don\u2019t<\/li>\n<li>Dividend stocks or growth stocks<\/li>\n<li>Buy a fixer or a fully remodeled home<\/li>\n<li>Marry or cohabitate<\/li>\n<li>Marry for love or marry for money<\/li>\n<li>Have children early or late<\/li>\n<li>Return to work or be a stay-at-home-parent<\/li>\n<li>Combine your finances or keep separate accounts<\/li>\n<li>Get a divorce or stay married<\/li>\n<li>Seek fame or stay low key<\/li>\n<li>Buy or lease a car<\/li>\n<li>Keep The Bank Of Mom And Dad open or closed for your adult children<\/li>\n<\/ul>\n<p>At the end of the day, money is only a means to an end. We want to live better lifestyles with the money we have. Instead of hoarding our wealth, we should find ways to strategically spend to live a richer and more purposeful life.&nbsp;<\/p>\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/ci4.googleusercontent.com\/proxy\/yVKoexa4nqshXMpzuhqLJ6_z_kFGJ04w42qoQ7nBVCxBC74pmfvauVebQpsUdb3xBziVIl2IdOTOnCDFIRxfO69xYUTHMK1IiLTNsitIk1Fa95jrw6Y5AOzKXc7U1f_QlkcnmNRo7rTnB6RWY1ribalkNA=s0-d-e1-ft#https:\/\/www.financialsamurai.com\/wp-content\/uploads\/2022\/07\/buy-this-not-that-bestseller-wsj.png\" alt=\"Buy This Not That Wall Street Journal Bestseller\" \/><\/figure>\n<h2 id=\"m_184104808885344625gmail-h-live-life-with-no-regrets\">Live Life With No Regrets<\/h2>\n<p><em><a href=\"https:\/\/www.financialsamurai.com\/buythisnotthat\" rel=\"noreferrer noopener\" target=\"_blank\">Buy This, Not That<\/a><\/em>&nbsp;isn\u2019t only about optimizing your choices; it\u2019s also about optimizing your attitude. Although life was harder than it had to be with the writing of the book during COVID, I have no regrets. Here is an excerpt of the book&#8217;s introduction.<\/p>\n<p>I came to America with my family from Kuala Lumpur. I was born in Manila while my parents, who worked for the U.S. Foreign Service, were stationed there. We lived in Zambia, the Philippines, Virginia, Japan, Taiwan, and Malaysia, in that order, before coming to northern Virginia when I was fourteen years old. At the time, only about 6% of the population in our town looked like me. It was quite a shock going from being a part of the majority to being a minority.<\/p>\n<p>I had to start over and find new friends while also navigating encounters with&nbsp;<a href=\"https:\/\/www.financialsamurai.com\/dear-minorities-use-racism-as-motivation-for-achieving-financial-independence\/\" rel=\"noreferrer noopener\" target=\"_blank\">bullying and racism<\/a>. I was also a misfit who lacked the ability to think quickly because my mind constantly bounced between English and Mandarin. My grades and SAT scores were unremarkable too.<\/p>\n<p>I knew my parents weren\u2019t rich. They drove beaters and frowned on ordering any drink other than water when we went out to eat. We lived in a modest townhouse in a grungier part of town. I never had a Nintendo. My Air Jordans were hand-me-downs from a friend and two sizes too large. We weren\u2019t poor, but we never had more than what we truly needed.<\/p>\n<h2>Get On The Damn Bus<\/h2>\n<p>After high school, I attended William &amp; Mary, a public university in Williamsburg, Virginia. We couldn\u2019t afford a higher-priced school, and I wasn\u2019t smart enough or athletic enough to get scholarships. I did well enough at William &amp; Mary, but that\u2019s not how I ended up getting a job at Goldman Sachs after college. The only reason I got a job at Goldman Sachs was because I got on a 6:00 a.m. bus one chilly Saturday morning.<\/p>\n<p>The bus was heading from college to a career fair two hours away in Washington, D.C. Twenty other students signed up to attend, but I was the only person who showed up. After waiting over an hour for the no-shows, the bus driver took me to his company\u2019s headquarters, swapped out the bus for a black Lincoln Town car, and personally chauffeured me to the fair. This was the first time I realized that<strong>&nbsp;just showing up is more than half the battle.<\/strong><\/p>\n<p>Seven months, six rounds, and&nbsp;<em>fifty-five interviews<\/em>&nbsp;later, I finally got the job at One New York Plaza, Goldman\u2019s equities headquarters. All because I showed up and stuck with it.<\/p>\n<p>Never in my wildest dreams did I imagine I could leave the corporate grind at age thirty-four to focus on my life\u2019s passions. But thanks to&nbsp;Financial Samurai&nbsp;and my investing efforts, I\u2019m now forty-five and financially free to spend time with my wife and two kids, and to work on the things I love.<\/p>\n<p>One saying keeps me going whenever things are hard and I feel like making excuses: \u201c<em>Never fail due to a lack of effort, because effort requires no skill.<\/em>\u201d I can fail because the competition was too good, or because an unforeseen event knocked me off my feet. But if I fail because I just didn\u2019t try hard enough, I know I\u2019ll be filled with regret as an old man.<\/p>\n<p><strong>Grit, consistency, and confidence<\/strong> are the most important attributes for achieving your goals. Don\u2019t think you need to have special skills, innate talent, or rich parents to get ahead. Who you are is good enough already.<\/p>\n<p>I truly believe&nbsp;<em><a href=\"https:\/\/www.financialsamurai.com\/btnt\/\" rel=\"noreferrer noopener\" target=\"_blank\">Buy This, Not That<\/a><\/em>&nbsp;will be one of the best personal finance books because it goes deep into each subject matter. It also provides you the courage to make optimal decisions when faced with a big dilemma. Pick up a copy at&nbsp;<a href=\"https:\/\/www.financialsamurai.com\/buythisnotthat\" rel=\"noreferrer noopener\" target=\"_blank\">Amazon<\/a>, Barnes &amp; Noble, or anywhere that sells books.&nbsp;<\/p>\n<p>Thank You!<\/p>\n<p>&#8211; Sam<\/p>\n<p>The post <a rel=\"nofollow\" href=\"https:\/\/retireby40.org\/buy-this-not-that-showing-up-is-more-than-half-the-battle\/\">Buy This, Not That: Showing Up Is More Than Half The Battle\u00a0<\/a> appeared first on <a rel=\"nofollow\" href=\"https:\/\/retireby40.org\">Retire by 40<\/a>.<\/p>\n<p>Source: Retire By 40<\/p>\n<p id=\"kc_opp\"><small>Republished by  <a href=\"http:\/\/www.blogtrafficexchange.com\/\">Blog Post Promoter<\/a><\/small><\/p>","protected":false},"excerpt":{"rendered":"<p>Hey everyone! Today, we have a guest post from Sam Dogan aka. Financial Samurai. I am chilling in the Maldives and I can&#8217;t &hellip;<\/p>\n","protected":false},"author":1,"featured_media":93475,"comment_status":"false","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[52],"tags":[105],"class_list":["post-93474","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-head-start","tag-strategy"],"aioseo_notices":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.bricktowntom.com\/blog\/wp-content\/uploads\/2022\/08\/Dogen-jacket.jpg?fit=350%2C437&ssl=1","jetpack_shortlink":"https:\/\/wp.me\/p3k0YU-ojE","jetpack-related-posts":[{"id":93778,"url":"https:\/\/www.bricktowntom.com\/blog\/05\/quick-book-review-designing-your-life.html","url_meta":{"origin":93474,"position":0},"title":"Quick Book Review: Designing Your Life","author":"admin","date":"May 4, 2026","format":false,"excerpt":"Hey everyone, we have a quick book review today \u2013 Designing Your Life by Bill Burnett & Dave Evans. This book is adapted from their class at Stanford University. The authors teach readers about design thinking. This process can help you figure out what you want for your life and\u2026","rel":"","context":"In &quot;A Head Start&quot;","block_context":{"text":"A Head Start","link":"https:\/\/www.bricktowntom.com\/blog\/category\/a-head-start"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.bricktowntom.com\/blog\/wp-content\/uploads\/2022\/09\/81AE76v5odL-350.jpg?fit=350%2C496&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":93664,"url":"https:\/\/www.bricktowntom.com\/blog\/04\/3-major-milestones-to-financial-independence.html","url_meta":{"origin":93474,"position":1},"title":"3 Major Milestones to Financial Independence","author":"admin","date":"April 20, 2026","format":false,"excerpt":"The journey to financial independence is a long and difficult road for regular people like you and me. After 25+ years of saving and investing, we achieved financial independence. Our passive income exceeds our expenses, but it is precarious. The last few years have been tough on our passive income.\u2026","rel":"","context":"In &quot;A Head Start&quot;","block_context":{"text":"A Head Start","link":"https:\/\/www.bricktowntom.com\/blog\/category\/a-head-start"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.bricktowntom.com\/blog\/wp-content\/uploads\/2022\/09\/FIdropshadow.jpg?fit=410%2C463&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":93618,"url":"https:\/\/www.bricktowntom.com\/blog\/04\/quiet-quitting-is-a-downward-spiral.html","url_meta":{"origin":93474,"position":2},"title":"Quiet Quitting is A Downward Spiral","author":"admin","date":"April 16, 2026","format":false,"excerpt":"Wow, this \u201cQuiet Quitting\u201d movement is the meme of the moment. Even WSJ and NYT did stories on this \u201cmovement\u201d. You know, this isn\u2019t exactly new. We had this same thing way back in my working days. We called it coasting. I guess that isn\u2019t catchy enough so the whippersnappers\u2026","rel":"","context":"In &quot;A Head Start&quot;","block_context":{"text":"A Head Start","link":"https:\/\/www.bricktowntom.com\/blog\/category\/a-head-start"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.bricktowntom.com\/blog\/wp-content\/uploads\/2022\/08\/Quiet-Quitting-is-A-Downward-Spiral-350.jpg?fit=350%2C525&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":93601,"url":"https:\/\/www.bricktowntom.com\/blog\/05\/can-you-really-retire-for-60-years.html","url_meta":{"origin":93474,"position":3},"title":"Can You Really Retire For 60 years?","author":"admin","date":"May 5, 2026","format":false,"excerpt":"Sometimes, I wonder if retiring by 40 is really sustainable. Can I really quit working full-time at 38 and sustain a comfortable retirement for 30 to 60 years? Mrs. RB40 is still working, but she plans to retire early at some point as well. Finance is a big consideration, but\u2026","rel":"","context":"In &quot;A Head Start&quot;","block_context":{"text":"A Head Start","link":"https:\/\/www.bricktowntom.com\/blog\/category\/a-head-start"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.bricktowntom.com\/blog\/wp-content\/uploads\/2022\/08\/krabi2.jpg?fit=400%2C300&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":92878,"url":"https:\/\/www.bricktowntom.com\/blog\/04\/what-were-teaching-our-kid-about-money.html","url_meta":{"origin":93474,"position":4},"title":"What we\u2019re teaching our kid about money","author":"admin","date":"April 18, 2026","format":false,"excerpt":"Kids grow up so quickly. I originally wrote this post in 2015 when our son was 4 years old. Now, he\u2019s 11! Back then, he didn\u2019t really understand money, but he knew money is nice to have. He always picked up coins whenever he saw one and put them in\u2026","rel":"","context":"In &quot;A Head Start&quot;","block_context":{"text":"A Head Start","link":"https:\/\/www.bricktowntom.com\/blog\/category\/a-head-start"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.bricktowntom.com\/blog\/wp-content\/uploads\/2022\/05\/photo.jpg?fit=400%2C267&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":93140,"url":"https:\/\/www.bricktowntom.com\/blog\/04\/bear-markets-will-make-you-rich.html","url_meta":{"origin":93474,"position":5},"title":"Bear Markets Will Make You Rich","author":"admin","date":"April 16, 2026","format":false,"excerpt":"Have you been following the stock market? Usually, I don\u2019t pay much attention to the stock market and only check when I update my net worth spreadsheet. I do that a few times per month. Lately, I\u2019ve been watching the local morning news to see the weather report. The weather\u2026","rel":"","context":"In &quot;A Head Start&quot;","block_context":{"text":"A Head Start","link":"https:\/\/www.bricktowntom.com\/blog\/category\/a-head-start"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.bricktowntom.com\/blog\/wp-content\/uploads\/2022\/06\/8e3bcc74-smush-bear.jpg?fit=320%2C230&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]}],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/www.bricktowntom.com\/blog\/wp-json\/wp\/v2\/posts\/93474","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bricktowntom.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bricktowntom.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bricktowntom.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bricktowntom.com\/blog\/wp-json\/wp\/v2\/comments?post=93474"}],"version-history":[{"count":1,"href":"https:\/\/www.bricktowntom.com\/blog\/wp-json\/wp\/v2\/posts\/93474\/revisions"}],"predecessor-version":[{"id":93564,"href":"https:\/\/www.bricktowntom.com\/blog\/wp-json\/wp\/v2\/posts\/93474\/revisions\/93564"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bricktowntom.com\/blog\/wp-json\/wp\/v2\/media\/93475"}],"wp:attachment":[{"href":"https:\/\/www.bricktowntom.com\/blog\/wp-json\/wp\/v2\/media?parent=93474"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bricktowntom.com\/blog\/wp-json\/wp\/v2\/categories?post=93474"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bricktowntom.com\/blog\/wp-json\/wp\/v2\/tags?post=93474"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}