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Placing Up A Paywall To Battle AI And Help My Household

admin by admin
April 6, 2025
in Financial News
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Placing Up A Paywall To Battle AI And Help My Household
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Properly, of us, after 16 years of diligently writing three free posts per week, I’ve lastly determined to erect a paywall. Initially, beginning in 2009, my aim was to offer free monetary insights for 10 years to assist folks obtain monetary independence sooner. Success! I’ve at all times believed that in case you’re fortunate sufficient to study one thing invaluable, you must share it and assist as many individuals as potential.

However as a father of two younger youngsters in costly San Francisco, I must optimize my time higher. I can’t hold spending ~20 hours per week writing for Monetary Samurai with out worthwhile compensation. I’m six years previous my authentic 10-year dedication, and punishing school tuition looms giant on the horizon.

In the meantime, future inflation expectations are at their highest ranges since 2022, thanks partially to renewed commerce wars. Every little thing—meals, clothes, vehicles, medical companies—is getting costlier. On the identical time, the anticipated 10-year return for shares is within the low single digits largely attributable to excessive valuations.

I’ve crunched the numbers, and the free mannequin is not sustainable because the adverts on this website barely cowl my rising working prices. I both must cost for my content material or dramatically reduce my writing and get a job.

For these of you who’ve loved my work all these years, I apologize. However as a father, my precedence now’s offering for my household.

Earlier than you angrily click on away in disgust on the thought of a author incomes cash from their work, stick round till the top. You would possibly simply discover an surprising shock.

Rising consumer inflation expectations over a year from the University of Michigan survey
Inflation expectations going approach up

Whereas debating this paywall transfer for over a 12 months, I spotted one thing ironic. Mother-and-pop publishers like me hold our content material free, whereas main media retailers put up paywalls left and proper. I can’t depend the variety of instances I’ve needed to learn an article, solely to be blocked except I forked over $9.99 a month.

Ultimately, I caved. I now pay Apple Information+ simply to learn the identical publications that was once free! And but right here I’m, making a gift of my content material—primarily based on firsthand expertise and deep monetary data—for nothing.

Not solely have my articles helped folks construct wealth, however they’ve additionally given readers the boldness to alter their lives for the higher. I even take the time to answer reader feedback. And but, in some way, I’m the one working at no cost whereas billion-dollar firms cost for entry. That appears unbalanced.

Thank you note to Sam Dogen of Financial Samurai from a reader
A latest reader e-mail like this has stored me impressed to write down

A Paywall = Safety From AI Theft

Another excuse for this shift? Synthetic intelligence has been scraping freely accessible content material for years with out correct attribution. AI chatbots regurgitate my insights with out linking again to Monetary Samurai, and Google is prioritizing AI-generated summaries over authentic sources.

By placing my content material behind a paywall, AI crawlers received’t be capable of steal my work. I must do what I can to safeguard my future and my youngsters’s future from AI.

Keep in mind, OpenAI started as a nonprofit with the mission of serving to humanity. However after elevating billions and producing much more in income, it shifted to a for-profit mannequin. Workers stay silent concerning the bait-and-switch, afraid of dropping their shares—and with them, generational wealth.

Consequently, unbiased publishers are in a full-blown battle for survival. Happily, I’ve invested in non-public AI corporations like OpenAI via an open-ended enterprise fund to learn from their development. In any other case, I’d be much more outraged at AI corporations profiting off writers and creators at no cost.

OpenAI raised $40 billion in funding
OpenAI getting wealthy off writers like me

Make investments In AI As A Hedge

We will both complain about AI or learn to leverage its instruments to develop into extra productive. Since I do know I can’t beat AI, I will proceed to spend money on AI as a hedge.

Should you’re additionally involved about AI taking away jobs out of your youngsters sooner or later, think about hedging by investing in AI itself. Fundrise’s enterprise capital product provides publicity to corporations like OpenAI, Anthropic, Anduril, Databricks, Canva, and extra.

If AI does make most people out of date in 10 years, as Invoice Gates predicts, your investments may benefit. And if AI seems to be overhyped, not less than your youngsters will nonetheless have alternatives to safe well-paying jobs. Both approach, you’ll be ready.

I’ve personally invested $153,000 in Fundrise enterprise to date, with plans to get my publicity to $250,000 by the top of the 12 months. Fundrise is a long-time sponsor of Monetary Samurai as our funding philosophies are aligned. Thanks for serving to by me hold the lights on!

Financial Samurai Fundrise venture capital investment dashboard investment amount 2025
My Fundrise enterprise funding dashboard

School Tuition Received’t Pay Itself

No guardian ought to assume their youngsters will earn scholarships or grants. As an alternative, we must always all put together to pay full tuition or take out loans at the costliest non-public universities.

By 2040, 4 years at a high 50 non-public college might value $750,000–$1,000,000. Can the common middle-class household afford that? In all probability not—except they tackle huge debt or work for many years longer than deliberate.

Sure, elite colleges like Harvard and MIT supply beneficiant monetary help. However with acceptance charges beneath 5%, your child most likely isn’t getting in. Be practical about your youngster’s school prospects and funds. Assume the worst, plan accordingly, and hope for the most effective.

Personally, I’m hoping my youngsters could have the practicality to attend group school for 2 years earlier than transferring to a public college. However on condition that their frontal cortex received’t absolutely develop till round age 25, I can’t depend on them making sensible choices.

College tuition inflation

The Paywall Plan: How A lot Will It Price?

Regardless that I spend 2–4 hours writing and enhancing every put up, I perceive that individuals want free content material. Satirically, those self same folks wouldn’t work at no cost themselves. Can somebody clarify how why their perception does not match up with their conduct?

I do know most readers will depart as soon as a paywall is up—that’s actuality. The problem is setting a worth low sufficient to retain as many readers as potential whereas offering far more worth. My greatest guess? A subscription between $1.99 to $4.99 per thirty days. It could embody entry to my weekly publication, which incorporates real-time insights on investing.

Let’s say Monetary Samurai will get 500,000 readers a month, and 98% refuse to pay. That leaves 10,000 loyal readers left. In the event that they pay a median of $3.99 per thirty days, that’s $39,900 in month-to-month income.

At that degree, mixed with my passive earnings, I’d lastly be capable of breathe simpler as a father. No extra worrying about school tuition, property tax funds, automotive upkeep, or meals prices. Even at simply $2 per subscriber a month, that’s nonetheless $20,000 a month—a lot to maintain this website working and pay for some fundamental residing bills.

Thank You For Letting Me Assist All These Years!

I do really feel a way of unhappiness on the considered not offering free content material. Having come to America at 14, I’m deeply grateful for the alternatives I’ve had. One in every of my best joys has been serving to folks get their funds on observe by sharing actual tales and sensible options.

However all good issues should come to an finish. As an unbiased writer, I would like to face up towards AI’s exploitation and do what’s needed to guard and supply for my household.

Since our second youngster was born in December 2019, it hasn’t been straightforward financially for my spouse and me to each stay stay-at-home dad and mom. To maintain FS free for readers, I even took on a part-time job at a startup, however that solely lasted 4 months as I could not stand all of the conferences and directives.

At this level, I’ve no selection however to attempt to earn a residing from my writing. Thousands and thousands of individuals receives a commission for his or her work—so why shouldn’t I?

The economic system isn’t wanting nice anymore, the inventory market is faltering, and stagflation might be coming quickly. Adaptation is vital. So please get pleasure from this final free month of Monetary Samurai—a subscription menu might be rolling out quickly!

Reader Questions

Readers, what have been a few of your favourite articles on Monetary Samurai? Which of them have helped you essentially the most in enhancing your funds?

Are there another private finance websites that commonly publish in-depth articles from skilled writers at no cost that we must always take a look at?

Why do those that demand free content material refuse to work at no cost themselves? Why not be constant of their beliefs and actions? Do I should earn a residing from my writing?

Liberation Day Is Right here!

Phew! Thanks for letting me get my ideas out on this robust dilemma. Occasions are clearly difficult.

That mentioned—Pleased April Idiot’s Day! I initially deliberate to publish this on April 1, Tuesday, however since I had simply posted on Monday, I needed to house issues out.

I made a promise over a decade in the past to maintain Monetary Samurai free, and I intend to maintain that promise. To the child on the library browsing the web since you don’t have web at residence—I see you.

The challenges I face—AI disruptions, search algorithms sidelining unbiased websites, elevating a household in an costly metropolis—are all actual. However they’re mine to bear, not anybody else’s.

Writing has by no means been a simple technique to earn a living, and it’s even harder at present. There’s a motive phrases like “ravenous author” or “ravenous artist” exist. However I really like the craft, and the rewarding suggestions from readers such as you retains me going.

How To Help Monetary Samurai

If my work since 2009 has introduced you worth—made you snigger, eased your worries, given you the braveness to alter your life, or helped you construct extra wealth than you thought potential—please up a duplicate of Millionaire Milestones: Easy Steps To Seven Figures.

For much lower than the price of a typical yearly subscription, you’ll get probably the greatest guides to constructing wealth and attaining monetary freedom. You should purchase a duplicate on Amazon or wherever you want to purchase books.

Millionaire Milestones book by Sam Dogen, Financial Samurai
Click on to pre-order a duplicate on Amazon at present

Thanks to your help! And if not, I admire you anyway. Keep in mind, if the path is right, eventually you’ll get there.

To Your Monetary Freedom,

Sam

Monetary Samurai is likely one of the main independently-owned private finance website, based in 2009. It attracts round 1 million natural pageviews per thirty days, with each article primarily based on firsthand expertise—as a result of cash is simply too essential to faux. You may also help my work by sharing my articles, subscribing to my free weekly publication and podcast on Apple or Spotify. Be taught extra on my About web page.



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