Credit Cards for People Who Love Free Travel and Money

Credit Cards Travel Money

I love travel. Money, too! I might earn money if you apply for a card via links on this page, and I will donate half of my profits if that happens. Not many sites make that pledge, so please, do your research wherever the world wide web takes you, but consider coming back to this site for your credit card needs and support our charitable mission. Cheers! Jump to:     Additional Credit Card Posts:     For many years, […]

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Rewards Made Easy: The Best Cash Back Credit Cards

Top Cash Back Cards

Every time you swipe a credit card, the merchant pays a fee in the neighborhood of 3%. Businesses that want to be profitable will factor those costs into the price of the products and services they offer. If you assume you’re paying about a 3% premium on everything you purchase, you might as well do what you can to get most of that money back. As someone who likes to optimize, I’ve often found ways to get more than 3% […]

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The Best Business Credit Cards for Your Small Business

I’ve been a small business owner for most of my career. In recent years, I’ve learned how to leverage various credit cards to maximize rewards. You may be a small business owner, too. If you have a private practice or a partnership, that’s obviously a business. If you earn money with a blog or podcast, do freelance work, or sell products online, that’s a business. When I was a locum tenens physician, I had a business for that. Now that […]

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Cruise to Cuba With Me for Free Using Travel Rewards

Cruise Ship Decks

That’s right. My family and I are headed to Havana, Cuba. We’ll also visit Key West on a four-day cruise leaving from Tampa this coming September. And you can join us! And by us, I’m referring to my family and a growing list of fun people in the personal finance blogging, writing, and podcasting worlds, including: Mr. & Mrs. WOW from Waffles on Wednesday Dr. & Mrs. Cory S. Fawcett, published author and blogger. Dr. B.C. Krygowski Nomads with a […]

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The Sunday Best (8/25/2019)

The Sunday Best

The Sunday Best is a collection of articles I’ve curated from the furthest reaches of the internet for your reading pleasure. Every week, I scan hundreds of headlines, read dozens of posts, and bring you the best of the best to save you time and mental energy. Financial Independence (FI) is a primary focus, but it’s an awfully broad topic. I tend to approach FI and early retirement from a fatFIRE perspective and through the lens of a physician, so […]

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The Sunday Best (8/4/2019)

The Sunday Best

The Sunday Best is a collection of articles I’ve curated from the furthest reaches of the internet for your reading pleasure. Every week, I scan hundreds of headlines, read dozens of posts, and bring you the best of the best to save you time and mental energy. Financial Independence (FI) is a primary focus, but it’s an awfully broad topic. I tend to approach FI and early retirement from a fatFIRE perspective and through the lens of a physician, so […]

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2019 Q2 PoF Portfolio & Blog Performance Update

Every three months, I publish an update to let you know how well my own portfolio has performed and what’s going on with the blog. Some people like to know the blog stats, believe it or not. I used to track spending, too, but after three years of consistent spending, I decided there was little value-add for us to continue such close tracking. I may start to track our post-FI budget when we are settled into our new, more nomadic […]

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The Sunday Best (6/16/2019)

The Sunday Best is a collection of articles I’ve curated from the furthest reaches of the internet for your reading pleasure. Every week, I scan hundreds of headlines, read dozens of posts, and bring you the best of the best to save you time and mental energy. Financial Independence (FI) is a primary focus, but it’s an awfully broad topic. I tend to approach FI and early retirement from a fatFIRE perspective and through the lens of a physician, so […]

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The Sunday Best (5/26/2019)

The Sunday Best is a collection of articles I’ve curated from the furthest reaches of the internet for your reading pleasure. Every week, I scan hundreds of headlines, read dozens of posts, and bring you the best of the best to save you time and mental energy. Financial Independence (FI) is a primary focus, but it’s an awfully broad topic. I tend to approach FI and early retirement from a fatFIRE perspective and through the lens of a physician, so […]

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The Sunday Best (5/12/2019)

The Sunday Best is a collection of articles I’ve curated from the furthest reaches of the internet for your reading pleasure. Every week, I scan hundreds of headlines, read dozens of posts, and bring you the best of the best to save you time and mental energy. Financial Independence (FI) is a primary focus, but it’s an awfully broad topic. I tend to approach FI and early retirement from a fatFIRE perspective and through the lens of a physician, so […]

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The 10 Percent Rule: Limiting Lifestyle Creep

The-10-Rule_-Limiting-Lifestyle-Creep

We have the 1% rule for rental properties, the 4% rule for safe withdrawals in retirement, and now the 10% rule from Dr. James Turner for limiting lifestyle creep. Lifestyle creep, also known as lifestyle inflation, keeps many high-income professionals from obtaining the wealth they deserve given all the sacrifices and hard work involved in their careers. What I like about Dr. Turner’s approach is that he doesn’t say you can’t have more, he just tempers the amount of extravagance […]

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Top 5 Factors that Make Financial Independence Easier to Achieve

locums_paystub

How easy or difficult will your quest to achieve financial independence be? The math doesn’t much vary from person to person. You’re going to want at least 25x your future expenses saved up or passive income that exceeds your spending. If you don’t have either, or some combination of both capital and passive income, that can be expected to cover your future expenses indefinitely, you’d be hard pressed to call yourself financially independent. If you feel like financial independence is […]

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Christopher Guest Post: The Physician Philosopher

CGP_TPP_350

The White Coat Investor Network has expanded! I’m proud to introduce a physician and blogger who is very likely familiar to you, Dr. James Turner a.k.a. The Physician Philosopher. The good doctor commonly goes by “Jimmy,” which conjures up several images, most prominently the one with Jimmy from Good Times saying Dyn-o-mite! And we can’t call him Jim because we already have a Jim Dahle, so I’m going to stick with James. We don’t have written criteria for new additions […]

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2019 Q1 PoF Portfolio & Blog Performance Update

Q1_2019_featured

Every three months, I publish an update to let you know how well my own portfolio has performed and what’s going on with the blog. Some people like to know the blog stats, believe it or not. I used to track spending, too, but after three years of consistent spending, I decided there was little value-add for us to continue such close tracking. I may start to track our post-FI budget when we are settled into our new, more nomadic […]

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What’s Keeping You from Financial Freedom?

Havana Club Mojito

Dr. Peter Kim poses a simple question in today’s Saturday Selection. It’s a great question to ask, and an important question to ponder. If you’re not making good progress towards financial independence or financial freedom, what’s holding you back? Most people reading this website have the income to make it happen in a couple of decades or less. Live on half your takehome pay, use the rest to retire debts and invest, and you’ll be FI about 15 years after […]

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Create Your Own Comprehensive Financial Plan

If you’d like to create a comprehensive financial plan, I can think of three good options. One: Work with a vetted fiduciary, fee-only financial advisor. You should come out with a sound plan, some understanding of what goes into the plan, and it will probably set you back a few thousand dollars. Two: Go it alone. Read books and blogs to learn everything you can about investment management, debt management, appropriate insurance, asset protection, etc… It will likely take the […]

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My Life Costs $220 a Day. A Realistic Budget for a Post-FI Family of Four.

Family of Four

Two hundred and twenty dollars a day. That seems like a lot of money! It’s pretty rare that I actually go out and spend $220. We couldn’t possibly be doing so day in and day out. Or could we? While I may not be handing over eleven $20 bills to someone every day, or charging $220 on our credit cards on a daily basis, expense tracking has shown us that, as a family of four, our burn rate is in […]

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Christopher Guest Post: Wealth Well Done

Wealth_Well_Done

I prefer my wealth medium-rare, just like my filet mignon. My friend Bill also likes his beef medium-rare, as well learn below, and I believe we enjoyed a couple of rare tuna sandwiches after a bike ride in Crosby, MN a couple of years ago. When it comes to wealth, however, Bill prefers his wealth well done. That’s the name of his blog, a site that he’s used as a creative outlet to help others find purpose and fulfillment while growing […]

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The Sunday Best (3/10/2019)

The Sunday Best is a collection of articles I’ve curated for your reading pleasure. Expect most of the writing to be from recent weeks and consistent with the themes presented on this website: investing & taxes, financial independence, early retirement, and physician issues.     Presenting, this week’s Sunday Best:   The FIRE is spreading to the backtable. Time to grab the extinguisher and pull, aim, squeeze, and sweep? Nah. It’s just me and Dr. Chris Beck talking financial independence […]

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Christopher Guest Post: Mad Fientist

CGP_Mad_Fientist_featured

It is my distinct pleasure to bring you a guest who has been a part of this online financial independence movement for a good long while, more than twice as long as I have, in fact. Physician on FIRE is in its fourth year, while Brandon has been writing and podcasting at Mad Fientist since 2012, and is now in year number eight. That pretty much makes him an O.G. in this space along with people like Mr. Money Mustache, […]

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