The Sunday Best 02/06/2022

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!




First, you purchase it. Then… Everything Must Be Paid For Twice, as David Cain of Raptitude explains.


Are you making too many purchases? The White Coat Investor comes up with 10 Reasons Doctors Spend Too Much Money. I think #10 is where a lot of people get tripped up.


The more you spend, the more you’ll need. The more you save, the more you’ll have. This oncologist is trying to find the right balance. FIRE Crossroads 019: When $10 Million is Not Enough.


Their best laid tax planning was blown to bits by an unexpected payout from Vanguard. Tic Toc Life shares How a NYE Windfall Made Our Biggest Money Mistake of 2021. Don’t repeat their mistake!


Is Dr. Cory Fawcett from Financial Success MD making a mistake with his 0% bond allocation? Yes, he was eschewing bonds before it was the cool thing to do. My Portfolio and Why I Don’t Invest in Bonds.


If you do choose to own bonds, as I do, Dr. David Graham, the FI Physician has some tips. What is the Best Kind of Bond Fund?


I keep my bond allocation to 10%, which is almost identical to my current passive real estate allocation, and I just updated my holdings and performance numbers for each and every current and completed investment I’ve made. A 2022 Update on the Returns of My Many Real Estate Investments.


My largest passive real estate investment is in Origin Investment‘s IncomePlusFund, which has given me an IRR of 16.5% annually in the 16 months I’ve owned it. Origin provides an outlook for the year in real estate. Our Top 10 Private Real Estate Investing Trends for 2022.


If hands-on real estate sounds like too much work, Semi-Retired MD suggests you share the responsibility (and costs), as they have done recently. Characteristics to Look For in a Real Estate Partner. They found their latest partner via their master course, Zero to Freedom Through Cashflowing Rentals, which is now taking new clients.


Four years after retiring from an engineering career, the writer behind Canadian Dream Free at 45 compares expectations with reality. The part-time librarian job was certainly unexpected! What I Got Wrong.


If you expected the stock market in 2022 to continue the upward trend of 2021, you’d have gotten that wrong. Mr. Tako Escapes shows us how investors are like clams, happiest when the tide is high, but exposed in a perilous position when the tide goes out. Nevertheless, in this market, he’s Happy as a Clam.


I’m not the only anesthesiologist (former, in my case) curating content to share with my friends. Be sure to check out Passive Income MD’s weekly Journal Club. Here’s what you may have missed this year:


I've got my 2 acres of non-leveraged, crop-producing, cashflowing farmland via AcreTrader. Get yours.


Greece -> Michigan -> Arizona


After about 4 hours of sleep, I woke up way too early on Thursday at 2:40 a.m. in Athens (that would be 7:40pm Eastern time Wednesday), to catch the first of three flights to get home, a 5:45 a.m. departure to Amserdam.

That first flight went well, and I spent about half of the next eight-hour flight to Detroit writing and half of it watching two pretty bad movies. M. Night Shyamalan’s Old was OK, I guess, and it had a decent twist as his movies always do. Clint Eastwood’s Cry Macho was predictable, slow, contrived garbage. I had high hopes after loving 2009’s Gran Torino, but I’m afraid Dirty Harry is officially over the hill.

We had one 30-minute flight left and our scheduled three-hour layover turned into six hours, but I was thankful to get home at all given the winter storm situation.

After landing in Alpena and picking up the Walmart pick-up grocery order that was waiting for us, we drove the final 20 minutes home, quickly unpacked, and crashed hard, head hitting the pillow at 9:40 p.m. or 26 hours getting out of bed the day before.

Days like that might have been routine during residency, but that was almost 20 years ago. Still, I recover pretty quickly, and I feel pretty well adapted to the time change already, just in time to go 2 hours further west!

I’ll miss the mild weather of the Mediterranean, but it won’t be long before I’m back in warmer weather.



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On Tuesday evening, I’ll be heading out to Phoenix for the White Coat Investor’s Physician Wellness & Financial Literacy Hybrid Conference 2022.

This will be the third in-person WCICON in five years, and I’m really excited to bump fists, rub elbows, and click pint glasses with friends new and old. Be sure to say hello if you’re out there with me.

It is, unfortunately, too late to register to join us in Arizona, but you’ve got a few days to join as a virtual participant. 100% of you were virtual last year, and I thought that went really well.


Can I Get a Witness?


With side income from expert witness work, where earnings of $500 to $1,000 an hour is not unheard of, you could start building a passive real estate empire of your own! Learn how with Dr. Gretchen Green’s Expert Witness Startup School. The enrollment period is on now through Valentine’s Day, 2/14. Dr. Green is donating course profits to two charities benefitting The National Women’s History Museum & Space Camp.

Enroll and remain enrolled, and I’ll send you 2 free books of your choice from Amazon (up to a total value of $50). The same offer stands for SemiRetired MD’s Zero to Freedom Through Cashfolowing Rentals, which will remain available through this coming Wednesday, 2/9.



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Have an outstanding week!

-Physician on FIRE


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