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Your investment process shouldn’t burn you out. Constantly checking your portfolio every day is no way to implement a long-term strategy. Life is too short to stress about the markets all the time.
Every asset in your portfolio pays you in two different currencies. The first is returns. The second is feelings.
Many investors deploy sophisticated strategies (that will likely underperform) while leaving the low-hanging fruit to rot. These investments are simple things that can almost certainly result in higher return without one iota of extra risk.
Some concerns belong in the ‘unlikely to happen/deal with it when it actually does’ bin. Here are 4 financial worries to cross off your list.
‘How much money do you make?’ Since you can’t ask your date that, ask this instead.
Americans are burning through their financial cushion at an accelerating pace, spending faster than their income is growing, as the energy shock from the Iran war slams household budgets.
Is there a way to pay less taxes? What is the best way to give money to my kids? Do I have enough to retire? And more financial questions answered.
Most negative criticism doesn’t come from people who want to help you improve. It comes from people who are frustrated with their own lives and have found a safe outlet.
Hear it from a practising physician: With kids, patients, charts, and a chaotic life, learning about investing seemed like one more impossible task piled onto an already impossible schedule. Outsourcing offered relief, but hiring a financial advisor isn’t enough.
The time you have left and the quality of that time are two different things. And if you only think about one of them, you’ll miss something important.
Don’t forget to read the best financial books for new doctors who don’t have time to waste.
Let’s take a look at 5 destinations that are drawing a growing number of retired Americans.
Previous Events
The Insurance Decision You’re Making Right Now (Without Knowing It)
A resident signs the group disability paperwork their institution emails over. Five minutes of scrolling. No real reading. Problem solved.
A new attending hears about individual disability insurance and thinks, “I’ll get to that next year once things settle down.”
A woman in her first pregnancy defers life insurance application because everything feels normal at the 12-week ultrasound. She’ll apply in her second trimester, she reasons.
None of these physicians realizes they just gave away tens of thousands of dollars.
Here’s the brutal math: trainee disability coverage costs a fraction of what you’ll pay as an attending. A resident locking in individual coverage at age 28 pays roughly 40-50 percent less in annual premiums than that same physician at age 35. Over a 30-year career, the difference compounds to six figures. You’re not just paying more. You’re paying more for decades because you waited.
For women, the cost calculus is steeper. Pregnancy complications—gestational diabetes, preeclampsia, even a miscarriage—trigger life insurance ratings that multiply premiums by 2-4X. A woman who applies before conception pays standard rates. Apply after, and you’re locked into inflated premiums for 20 years. That’s not a minor difference. That’s a $100,000+ lifetime cost difference because of timing.
These aren’t hypothetical gaps. They’re predictable, avoidable, and built into the insurance system.
But timing isn’t the only place physicians leave money on the table. Group coverage that looks protective has invisible limits that blow up during claims. Your EMR is being audited in ways you don’t expect. The underwriting rules for women’s health are stricter than you know
Stephanie Pearson, MD, walks through the full picture in a webinar that distills what you actually need to know about disability and life insurance—the traps, the timing windows, and the moves that most physicians never make until it’s too late.
You’ll learn the three main points that reshape how you approach insurance. Most importantly, you’ll learn which windows are still open—and which ones you need to act on immediately.
Don’t wait. Act on timing while you still can.
Jorge Sanchez, MD
