The Best Business Credit Cards for Your Small Business

  October 2019: This post has been updated with limited time offers on Capital One cards that can get you 12% back on the first $5,000 charged in 3 months and an average of 6% back on the first $50,000 if charged within 6 months. Check out the cash back and travel versions of these cards below!   I’ve been a small business owner for most of my career. In recent years, I’ve learned how to leverage various credit cards […]

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Travel Insurance & Benefits: Evacuation Coverage & Credit Card Perks You Didn’t Know You Had


When planning a trip, we think about the destination, the sights, the history, and the fun that we’re going to have while away from home and our everyday lives. We tend to think less, and for good reason, about the things that can go wrong. Why spoil the fun when things usually go according to plan? Unfortunately, our travels don’t always go off without a hitch. Planes are delayed. Luggage gets lost. Limbs are lost in a horrific dismemberment. Wait, […]

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Walt Disney World for the FIRE Crowd

Drunkin Grownups

It takes a high savings rate to achieve financial independence and retire early. A visit to Disney World requires a significant output of money. Nevertheless, if Disney World is a high priority for you or your children, there are strategies that can help you fit a Disney trip into nearly any budget. We’ll approach it from the barista FIRE, leanFIRE, FIRE, and fatFIRE perspectives. If none of those acronyms made sense to you, fear not. All will be explained below. I’ll […]

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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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One World Surgery: My Week in Honduras on a Medical Mission


For the last fifteen years or so, I’ve thought I ought to participate in a medical mission. “Someday, I’ll do that,” I figured. In recent years, as I’ve contemplated taking an extended sabbatical that could become permanent, I realized I could be running out of time to take my skills to a part of the world where they’re more sorely needed. I started researching options and reaching out to organizations, looking for an opportunity that would both allow me to […]

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23 Days in Hawaii: Our Slow Travel Fail

Living like a local for weeks at a time. That was the dream when I went part-time. Every day spent away would be sublime. I promise the rest of this post won’t rhyme. Our first lengthy family adventure was a complete success. The four of us spent three glorious weeks in Mexico. Our apartment overlooked the friendly and vibrant city of Guanajuato. We woke up naturally to leisurely mornings. Our commute to school was a hike down the winding alleyways […]

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Take a Free Cruise Using Travel Rewards

Cruise Ship Decks

  I’m a big fan of optimizing, and sometimes that takes the shape of combining one trip with another. When I wrote this, I was away for a four-day anesthesia meeting in Hawaii, but we actually enjoyed the tropical paradise for 23 days, visiting three different islands. My flight to Hawaii was reimbursed by my employer, and the other three round-trip flights (for my wife and 7 & 9-year old boys) were booked with miles thanks the sign-up bonus miles […]

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Three Weeks in Guanajuato Mexico: A Preview of Life After FIRE

Guanajuato Hillside

We wasted no time making plans to take advantage of my newfound freedom as a part-time anesthesiologist. October was busy with a couple of conferences, but when our work schedule was published, the better part of my November and beginning of December were wide open.     My wife and I had been dreaming of a Spanish immersion experience. For the last year, we had been watching Calico Spanish videos with our boys, beefing up our vocab with Duolingo, and […]

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A Gap Year Away From Medicine: One Physician’s Experience

El Calafate

Today’s post comes from an early-career west coast cardiologist named EJ. He puts out great stuff on his own site called Dads Dollars Debts, and was kind enough to share his experience in a guest post here today. In the post, the good doctor talks about burnout, travel, a sabbatical, and more — all great topics to be discussed here at Physician on FIRE. Take it away, EJ!   Do you ever get that feeling that you can’t go any […]

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A $4,300 Family Vacation in Paris and Reykjavik

kids louvre

Last fall, my inbox teased me with a remarkable deal. Paris for $410 Roundtrip.     I clicked where the e-mail told me to click for further details. Amazingly, the deal offered lined up with time I had off from work and partially coincided with our boys’ spring break. The flights were on Icelandair, an airline I’ve flown on a couple prior trips to Europe. As I have twice before, I took advantage of the free stopover option, extending our […]

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The Sunday Best (3/19/2017)

Sunday Best Catacombs

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. I’m traveling this week, so I thought it would be appropriate to share some of my favorite bloggers’ travel posts. Presenting, the Traveler’s Sunday Best:   Matt & Daniel of the resumé gap are bona fide globe trotters and […]

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Complete Guide to a 48 Hour Stopover in Reykjavik

The other day, I shared all kinds of great tips on how to blog well. At least a couple of those tips are in play today. Specifically, make friends, and guest post up. In planning for our upcoming family vacation, I was searching for information on Iceland. I’ve been there on a stopover a couple times before, but not with kids and not in ten years. One of the first sites I found was Life With a View, a visually stunning blog […]

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Mixing Business with Pleasure: PoF Goes to SLC

Welcome Physician on FIRE

Have you ever had an amazing weekend but you couldn’t tell anyone about it? Or, at least you couldn’t tell anyone without telling a long story that you’re not ready to tell, and revealing a fact you’re not ready to reveal? Me, neither. Well, not until a few weeks ago. About a month ago, I told my parents about an incredible opportunity I had. They were nearly as excited as I was about this opportunity to collaborate, and they offered to watch […]

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The Sunday Best (11/6/2016)

The Sunday Best

  The Sunday Best is a collection of a handful of posts I share with you each week. With so many informative and inspirational writers out there, I have no trouble coming up with a number of worthwhile reads each week. Every featured post should be of interest to any physician seeking financial independence. Some will be written by your physician colleagues; others will be written by our friends and patients who share common goals and interests. Presenting, this week’s Sunday Best:   In my Financial Freedom […]

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The Earth Awaits: Where in the World is Our Family Going to Go?

  [PoF: The following is a guest post from The Frugal Vagabond. After I saw his excellent new site, The Earth Awaits, I asked him if he would like to showcase the site while doing some deep digging for me. I am not necessarily interested in retiring abroad, but would like to spend a year with my family in a true Spanish immersion situation.] Despite the differences in our lives, our professions, and families, PoF and I have a lot […]

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Find & Fuel Your Passion: One Yooper’s Story

How do you find and fuel your passion? When I daydream about my early retirement, I get lots of ideas and before long, I have too much planned than I will have time for. Eventually, I’ll be able to strike some experiences off the list, and the roster of ideas may become more manageable. Or, exploring one avenue may lead me down several alternate paths, and I’ll be busier, while learning more and having more fun, than ever. Others may know […]

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Saving Money in and Around San Francisco Part II

In the first installment of Saving Money in and Around San Francisco, I discussed the first four days of our six-day northern California adventure. I think my wife and I did a good job experiencing the greater San Francisco area and its goats without breaking the bank. Of course, there is more to northern California than bridges, museums, and goats. There’s also wine, ocean, redwoods, and beer. And if you’re lucky like me, there might even be friends! In San Francisco, we […]

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Saving Money in and Around San Francisco Part I

Tony Bennett left his heart in San Francisco, while Q-Tip left his wallet in El Segundo. My wife and I had the pleasure of visiting the lovely peninsula that is San Francisco last week. With so much to do, see, and eat, it would be easy to leave town with an empty wallet and a hefty credit card balance. This frugal physician wasn’t going to let that happen. How did we save money in San Francisco? As an employed physician, I […]

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What I Learned on Spring Break

My 7-year old was required to keep a journal to chronicle his spring break experience. “I liked the Disney Dreams show becus it was majicle!” I didn’t keep a daily log of my favorite things like he did, but I did read a couple good books and made quite a few observations that I feel are worth sharing. The day before we left, we visited the public library. In two short minutes, I grabbed a couple books from the personal […]

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