The Sunday Best (01/29/2023)

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 expect to see those biases in the selected articles.

Related topics that have become recurrent themes include early retirement, selective frugality, tax issues, travel, physician issues, and of course, investing.

For more great articles, take a peek at The Sunday Best Archives. Now let’s get to the best… The Sunday Best!




How will the latest adjustments to retirement accounts make your future more secure? From our friends at Forme Financial, The SECURE Act 2.0: Important Considerations for Physicians.


If you’ve got a thirst for more Secure 2.0 info, drink in the convo between Brad Barrett at Choose FI and Sean Mullaney, the FI Tax Guy. Secure Act 2.0 Deep Dive | Sean Mullaney.


An anonymous rich dude shares his family’s investment portfolio, their actual net worth (not just percentages like this clown), and how both were impacted by global and personal events last year.  Mr. Tako Escapes provides a 2022 Year-End Net Worth Update


The FI Heroes spent 5 weeks in Australia, 6 weeks in Europe (Paris,primarily), and almost half the year aboard various cruise ships! Our 2022 Year in Review Part 1: Adventures of a Lifetime.


How much did this fatFIRE nomadic lifestyle cost the couple? Somehow, it seems we can’t even call it a fatFIRE budget despite their many adventures. Our 2022 Year in Review Part 1: The Money Stuff.


Another early retiree, another lifestyle that seems like it should cost a lot more than it does. Justin from Root of Good shares his Portugal Trip Recap Plus December 2022 Early Retirement Update, which also includes an annual summary of 2022.


Have you been underwhelmed by some of your “bucket list” experiences? Mr. Firestation shares the opinions of a collection of Debbie Downers in Bucket List or Garbage Can?


Two friends on FIRE turned a Twitter debate into a two-part deep dive.


ESI Money doesn’t need a friend to come up with a two-part series, but making new friends made the list.


Is retirement boring? Can you save too much? Mike Ballew with Eggstack wishes he’d asked these questions sooner. 7 Things I Wish I Knew Before I Retired.


Even in a comfortable retirement, the allure of earning money is difficult to ignore. Carl Jensen with 1500 Days explores this conundrum. Ask The Readers: What If You Couldn’t Make Money?


With passive real estate investments, like the one I have with Fundrise, you don’t have to work in retirement to earn money every day. A Fundrise Review After 5 Years Invested.


When new readers discover this financial independence concept, they often don’t know where to start. Well, here’s a guide for ya! Top 5 Ways to Start on the Path to Financial Independence.


Earning $500 to $900 or more is another way to make rapid progress towards FI. Dr. Gretchen Green, the doctor behind the well-received Expert Witness Startup School, explains How to Be an Effective and Ethical Expert Witness.

Dr. Green donates the revenue generated from her course, and this enrollment period (there are typically two per year) ends tomorrow, Monday 1/30. More info and a syllabus can be found here.


Start receiving paid survey opportunities in your area of expertise to your email inbox by joining the All Global Circle community of Physicians and Healthcare Professionals.

Use our link to Join and receive a bonus of up to $50 .


See You in Vermont?


Today is day 5 of 18 on this Epic Indy road trip using our Indy Passes to ski a couple days each at 6 different ski resorts. A week from now, we’ll be skiing Bolton Valley and staying in the Burlington area.



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A post shared by Physician on FIRE (@physicianonfire)


We’ll be wrapping up another Dry January this week, and the forecast for February looks a little wet.

If you happen to be in northwestern Vermont next weekend, come join my wife and I for an informal happy hour gathering at Mule Bar in Winooski, VT (just across the Winooski River from Burlington). We’ll be there a week from today, Sunday 2/5 at 7:00pm.  I hope to see at least a few of you there! 🍻


Zero Investment Fees for All of 2023


My preferred donor advised fund sent me this message when I moved the last of our giving fund at Fidelity Charitable to Charityvest.



This was a pleasant surprise!

I moved the bulk of our DAF money to Charityvest because their admin fees are at least 15 basis points lower than those of the big players like Fidelity Charitable, Schwab Charitable, and Vanguard Charitable. Saving 15 basis points a year means having an extra $150 to give annually for each $100,000 invested.

Saving 60 basis points means having an extra $600 to give for every $100,000 invested, and making a grant from an existing DAF to Charityvest will get you no-admin-fee investing for the rest of the year. You’ll only have the few basis points in expense ratios that you’ll find anywhere else.

See this page for more information on the promotion, and if you haven’t opened a donor advised fund, I recommend checking out Charityvest. I made all of our 150+ Giving Tuesday grants from my Charityvest DAF, and it was the quickest and easiest Giving Tuesday yet!



Have an outstanding week!

-Physician on FIRE


6 thoughts on “The Sunday Best (01/29/2023)”

  1. Great selection of articles. I particularly enjoyed the back and forth between The Retirement Manifesto vs ERN on the Bucket Strategy.

    The comments are closed on that article but thought you might have some feedback. Regarding a bucket strategy, does one set one’s asset allocation/buckets 1,2,3 on taxable and retirement accounts? If one can’t access the retirement accounts for a few more years wouldn’t you have to separate them out?

    Lastly the bucket 2 listed in the bucket strategy is generically fixed income. If your assets are heavily skewed directly owned/managed investment real estate, do you separate that out or does it act as your fixed income portion? OR do you simply do your buckets exclusive of the properties?

  2. Subscribe to get more great content like this, an awesome spreadsheet, and more!
  3. Thanks for including me in your Sunday Best PoF! I always think net worth posts come across as “braggy”, so I feel rather sheepish when posting them.

    Thanks for the feature! 🙂

  4. I usually have too many social events in January that I’d prefer to imbibe at, so I go with a Dry-ish January. Kind of defeats the purpose, but as long as I’m being conscientious about it I think it accomplishes some of the same things. Enjoy the wet February!

    Love Tako’s updates–I don’t begrudge anyone in the multi-millionaire stratosphere from not sharing their net worth, by any means. I got skittish myself after reaching six figures. But man are those valuable to study and aspire to.

  5. Thanks – as always – for the wonderful call-out! Enjoy your ski trip. I had a goal of all 50 states by age 50, but I missed it by a few years. I’m working toward 50 countries now, but that’s a bit harder! Have fun!

    • After crossing #49 (Vermont) off my list next week, the only state left to visit will be Oklahoma. Sooner or later, I’ll make that happen. I’ve got 2 years and 9+ months to find my way there if I’m going to pull it off before 50.



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