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The Sunday Best (07/10/2022)


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!





When I started this site in early 2016, there were a handful of physicians writing about personal finance. Since then, more than 100 have sprung up. While some have come and gone, many have had staying power. The Motivated MD asks Why Are There So Many Physician Finance Blogs? 


One answer is the fact that there are so many physicians that could use the help! Is this doctor doing the right thing for her career and family? FIRE Crossroads 032: Working Nights in Another State – A Sustainable Approach to FI?


Speaking of sustainability, the FI Physician shows us how annuities, in spite of their bad reputation, can provide a steady income stream later in life. How to Use an Annuity in Retirement.


On the other end of the investing spectrum, funding startups can give you big results quickly, but returns are far from guaranteed. The Female Professional says Before Investing in Startups, Be Aware of These 6 Things.


Will a recession bring more pain to the stock market, or has that expectation already been factored in? What about continued inflation? A housing bubble? Ben Carlson with A Wealth of Common Sense asks, What’s Priced Into the Stock Market?


It’s easy to be upset when the stock market tanks, but the Banker on FIRE takes a glass-half-full approach. The Truth About Bear Markets.


The Irrelevant Investor‘s glass appears to be half-empty after The Worst First Half Ever. And no, he’s not talking about the Patriots’ start against the Falcons in Super Bowl LI.


For another perspective on both current and long-term market conditions, we turn to Bitches Get Riches. Wait… Did I Just Lose All My Money Investing in the Stock Market? I hope not!


Add investing $7 Million at age 54 to this list if you’re looking for a sixth possibility. 5 Ways to Retire With $5 Million by Age 55.


In general, real estate tends to be less volatile than the stock market. Financial Success MD sees other benefits, too. The Reasons EVERY Physician Should Own Investment Real Estate.


Investment real estate and residential real estate are not the same. Kevin Thompson, a former professional baseball player, has realized who actually makes money in residential real estate. Home Sweet Whatever.


When Elvis, Willie, and the Pet Shop Boys (among others) crooned “You Were Always On My Mind,” would you believe they were singing about estate planning? Well, you shouldn’t, but believe it or not, that’s what’s on the mind of Passive Income MD. Estate Planning On My Mind.


Locked in 2.9% Interest


With 30-year mortgage rates above 6% in recent weeks, those of you who locked in a low interest rate last year must be glad you did.

Count Drs. Peter Kim, Pranay Parikh, and Mithulan Jegapragasan, the principals of site sponsor Ascent Equity Group, among the pleased. For their current investment opportunity, they’ve locked in a 2.9% loan for a time period that extends well beyond the anticipated 4-year hold period. Watch the video for all the details or read the summary just below.



Ascent Equity Group is offering a value-add multifamily deal with NET 17-19% IRR with a fixed 2.9% interest loan for nine years. The deal will be held for 4 years and is a great investment in uncertain times. The deal has many exit strategies and stability from fixed long-term debt. The minimum investment is $35,000 and the deal is already >80% full already.

  • 312 Unit deal in Oklahoma City. This hot submarket has a projected 12% rent growth and only 7% vacancy
  • The plan is to hold for 4 years
  • Cost segregation and bonus depreciation will be done
  • Investor level returns are projected to be 17-19% IRR and EM ~1.8x (after all fees and waterfall)

You can get more info and invest here. Please reach out to Ascent at  if you have any questions.


Take a Break If You Need One


I tell you this, because it’s a message I need to tell myself quite often. I rarely listen.

Have you noticed that The Sunday Best has been published every Sunday for over 6 years? It’s true.

It’s also true that my Duolingo streak will hit 1,000 in a few weeks (with the help of an occasional “streak freeze”) and that I’ve done at least 100 pushups and situps daily for 800+ days now, no streak freeze required. I am a creature of habit, and I thrive on consistency.

As my wife and I have been training for at least a half-marathon and possibly a full, I felt a familiar pain return in my medial left knee. It was dull at first, but within a couple of weeks, the pain grew sharper and navigating stairs without wincing was difficult. My wife told me to take a break from running, and in a rare feat, I both heard her and listened to her!

After 16 days out of the running shoes — I used a spin bike to keep up some cardiovascular activity — I ran an organized 5k July 2nd. I fully expected the run to set my recovery back and have me walking with a gangsta lean afterward, but to my surprise, I not only met my 8-minute-mile pace goal, but I had zero pain afterwards.

I returned to the marathon training plan, and enjoyed a pain-free 12-mile run the other day. I was starting to wonder if I needed an MRI, but it turned out all I needed was a break.



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A post shared by Physician on FIRE (@physicianonfire)

I also took a break this week with my friends Victor and Kate Mangona at my favorite local beer company.


WCI Course Sale Ends Tomorrow!


This is the biggest discount you’ll ever see on a WCI course, and from now through tomorrow, July 11th, you can get 20% off of any WCI course, including those with CME. If you’ve got some CME funds to use up, an online course that provides you with a written financial plan may be a great use of that money.


You can earn CME with the following courses:


To get the 20% discount, enter CODE BIRTHDAY2022 at checkout.


Get Your 20% Discount from WCI


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


A Useful 529 Plan Resource


What are your options for a 529 Plan in your state? What tax benefits will you receive? Do you have to invest in your own state’s plan to get the tax incentive?

Click on your home state to find out quickly.

For a whole lot more on 529 Plans, see my extensive guide: 529 Plans: What You Need to Know About College Savings Plans.


Annual fee
Intro APR
Regular APR
Recommended credit
Bonus Intro Rewards
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Have an outstanding week!

-Physician on FIRE


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6 thoughts on “The Sunday Best (07/10/2022)”

  1. Hopefully 2022 has a Patriots-esque comeback in store! Falcons out here catching strays during the bear market haha.

  2. Subscribe to get more great content like this, an awesome spreadsheet, and more!

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