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The Sunday Best (04/09/2023)

PoF: 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 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!

PoF: Sunday Best


Side income, Roth conversions, and deferred compensation. How the early retiree behind Stop Ironing Shirts manages cash flow. Four Years of FIRE: The Drawdown Strategy.


Reflecting on these years, he identifies three stages of recovery after ditching a career that left him burned out. How long did it take? Four Years of FIRE: “Detoxing” from Corporate Life.


Retirement isn’t just about leaving a job behind. Bob from Tawcan reminds us to think about what comes next by sharing a sad tale from a fellow Canadian. Make Sure You Know What You’re Retiring To.


It’s not just what you own, but where you own it, says Mike Piper with Oblivious Investor. Asset Location Fundamentals (Which Investments to Own in Which Account).


A lost has changed in the last century. Investors’ temperament is not one of them. From Joe Wiggins with Behavioural Investment, What Can a Book Published in 1912 Teach Us About Investor Psychology?


Fates on FIRE gets psychological as he explores what it takes to meet and exceed your goals. “The person with no regrets is a person who lives a very unexamined life.” Get Serious.


The Darwinian Doctor has been getting serious about reducing his debt load. Unsurprisingly, no one has noticed. Implementing The Stealth Wealth Strategy of Principal Paydown.


Some people take stealth wealth a bit too far while harboring a fear of spending money despite a large surplus of it. Allan Roth with Advisor Perspectives approaches How to Get Clients to Spend More Money.


Spending more money has a negative impact on your savings rate and progress toward financial independence, but it can be just what the doctor ordered in the battle against burnout. Fight Career Burnout by Saving Money AND Spending Money.


With the ugly statistics on physician burnout and knowledge of the long and arduous path to become a physician, the White Coat Investor asks a fair question. Is Medical School Worth It?


Let’s say you did decide to go to medical school (which we know is true for most of you) and you want to get started on the right foot. Passive Income MD shares 6 Early Budget Considerations That Lead to Financial Freedom.


Too many Americans take Social Security early for fear of the program running out of money. In most cases, that’s a poor choice or at least a poor reason, according to David Johnson with Humble Dollar. Going for Broke.



The Sunday Best, Compiled and Written by Artificial Intelligence


“Did I just read something written by a well-trained supercomputer?” I find myself asking that question more and more. The bots tend to put words together in predictable and repetitive ways that simply don’t flow naturally like a decent human writer’s words do. But the bots are getting better.

In this case, no, you did not just read the latest work from ChatGPT or any other massive algorithmic word organizer. It’s just me, Leif, the guy that’s been doing this for the last seven-plus years.

Now, if I could feed one of these robots the 360 or so Sunday Bests I’ve written to learn my presentation style and cadence,  I would. I’d also make sure they have full access to the hundreds of blogs whose headlines I peruse every week to find top-notch content to bring to you every week.

Alas, the technology’s not there yet and may never be, so I plan to implement the next best thing, which is actually an even better thing: more humans!

I’ve been sensing that seven-year itch for some time now, and it seems that hydrocortisone is impotent against this particular pruritus. In the coming weeks, you can expect to see more contributions from people other than me on this site, including right here in The Sunday Best.

New perspectives will be a welcomed addition; I’ve got a couple fresh voices lined up and several others in mind. If you have a passion for all things FIRE and would be interested in lending your unique voice, please feel free to reach out and let us know!


Learn how to better manage your student loan debt, and explore refinancing to a lower rate with cash back offers up to $1,000! Student Loan Resource Page


Physician Mortgage Lenders in Every State


One of the more common questions in our doctors-only Physicians on FIRE Facebook Group (join here — MD, DO or foreign equivalents only, please) is where to find a mortgage lender who can offer a physician loan.

These loans offer the benefit of a down payment less than 20% while not requiring expensive Private Mortgage Insurance (PMI), which is typical when financing more than 80% of the value of a home. You may have an extra quarter or half percent of interest on the loan, but the math works out in your favor as compared to paying PMI, and you can always plan on refinancing to a conventional loan when you have more equity in the home and/or mortgage rates drop.

You can find lenders in all 50 states on our Physician Mortgage Lenders  page or simply select your state below.



AK | AL | AR | AZ | CA | CO | CT | DE | DC | FL | GA | HI | IA | ID | IL | IN | KS | KY | LA | MA | MD | ME | MI | MN | MO | MS | MT | NC | ND | NE | NH | NJ | NM | NV | NY | OH | OK | OR | PA | RI | SC | SD | TN | TX | UT | VA | VT | WA | WI | WV | WY



Happy Easter!


I’m still 11 to 14 hours ahead of those of you in the continental U.S., so by the time this has been published, I will have already enjoyed my Easter Sunday.

Our day started not with an Easter egg hunt, but with an 0500 alarm to catch a rescheduled flight after spending the night in a complimentary Travelodge near the Hobart airport in Tasmania. By mid-morning, we were in Sydney and settling in to our Airbnb just in time to fire up the Amazon Fire stick to watch my Golden Gophers compete for the NCAA hockey national championship. Congratulations to the Quinnipiac Bobcats for the overtime victory.

After a trip to Aldi — they have those here, too — we squeezed in an afternoon Easter Egg hunt near the waterfront. We’re excited to get acquainted with this bustling Australian city for the next 6 days, and by this time next week, we’ll be sailing away on a cruise ship bound for Hawaii.

I’ll talk to you then! Or will I?



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Have an outstanding week!

-Physician on FIRE


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