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7 Ways to Increase Your Savings Rate
As investors looking for financial success and even financial independence, there are really only two levers we can control. One … Read more
Jorge Sanchez, MD
Historical Market Return and Current Expectations
Have you been looking at your portfolio’s performance lately? Has it met with what you were expecting? Do you understand … Read more
Yes, You Can Beat the Stock Market
I think, if we’re honest with ourselves, most of us think we’re smarter at many things than we are in … Read more
The Boring Early Retirement Truth: It’s What You Make It
Most of us spending decades dreaming of retirement, making bucket lists of adventures, toys, and recreation as far as the … Read more
Post FI Notes 017: Couple in Mid-Sixties Seeking Nirvana
All Indian religions assert nirvana to be a state of perfect quietude, freedom, highest happiness as well as the liberation … Read more
5 Reasons You Should Not Self-Manage Rental Properties
It has been said often around here that real estate can be an excellent way to diversify investments, create additional … Read more
FIRE Starter 013: Just Starting Out in Residency
Everyone has to start somewhere. That old adage still rings true: the best time to plant a tree was 20 … Read more
The Brutal Tax Treatment of Widows and Widowers
It’s often said that there are only two absolutely certain things in life: death and taxes. But many folks don’t … Read more
How a NYE Windfall Was Our Biggest Money Mistake of 2021
Many of us grew up picking up loose changes others dropped on the ground. We stuffed it in our piggybanks … Read more
Pros and Cons of Investing for Cash Flow
It’s one of the more hotly contested debates there is in investing. Income, or cash flow, vs. total return investing. … Read more
Going Undercover: The Truth About “Free” Financial Seminars
William J. Bernstein wrote in his short but highly useful book If You Can to beware of financial professionals. “Act … Read more
FIRE Crossroads 030: A Physician and Pharmacist are Almost There!
A watched pot never boils. And a watched investment account never grows. OK: that may be an overstatement, but today’s … Read more
Would Working Part-time Make You a Better Doctor?
Chances are you became a doctor because you felt a calling. That’s admirable, of course. The world needs more helpers. … Read more
Why This Retired Physician Owns No Bonds
Bond. James Bond. Bonds. The ballast of a robust, stable portfolio. The dramamine for those sick from the market’s ocean … Read more
FIRE Starter 012: Orthopedic Surgeon With a Lucrative Side Gig
It’s often said that multiple streams of income are not only helpful, but perhaps necessary, for most folks to achieve … Read more
How To Profit With Real Estate in a Difficult Economy
Many wealthy people have at least some assets allocated to real estate. Whether through single-family homes, multi-door units, or syndications, … Read more
Working Less is Worth Every Penny
Work hard. Save every penny you can. Hustle now, so you can escape the rat race and relax later. That … Read more
What It Actually Takes to Eliminate Debt
Most physicians have some form of debt at some point in their lives. That might be the student loans that … Read more
Who are the Happiest Retirees?
I’ve written a lot about the numbers and the math behind early retirement and financial independence. That’s with good reason, … Read more
FIRE Crossroads 029: Two CRNAs Seeking Work-Life Balance
All work and no play makes Jack a dull boy. Striking that elusive perfect balance between your job and career … Read more