The Food and Drug Administration is investigating six outbreaks of foodborne diarrheal illnesses caused by Cyclospora, a unicellular parasite known for spreading from human feces onto fresh produce. About 40 percent of Americans are now buying or eating less produce amid the outbreak.
For most of your working life, retirement looks like the reward at the end of a long race: work hard, save consistently, build the portfolio and, eventually, earn the right to stop. That framework makes sense when work is primarily an obligation. But once you reach financial independence, it may simply mean that work still adds something valuable to your life.
Important information: read all the changes to Public Service Loan Forgiveness in 2026 including which repayment plans count, what a qualifying employer looks like on paper, how much a missed month costs you, and what it actually costs to buy back time you lost along the way.
SAVE is officially dead. A federal court entered judgment back in March, ending the plan for good, and loan servicers started sending the official 90-day notices on July 1. Here’s what it means for you.
What you do and who you are aren’t the same thing. You aren’t your job. You aren’t your tasks. But over time it can feel like they’ve merged. Many people love their work. The issue is that when the work ends, it leaves a hole where an identity used to be.
A micro-retirement is an extended, unpaid career break taken years before traditional retirement age, usually to travel, rest, or reset, with the explicit plan to return to work afterward. FIRE, on the other hand, aims to free you from the workforce permanently through aggressive saving.
A Washington Post analysis of the finances of thousands of seniors in the last decade of their lives found that, for many families, the cost of care eats away much of what they had hoped to pass on. And within a growing segment, elder care costs are not just diminishing their savings, but obliterating them.
RAP vs IBR for Physicians: Choosing the Right One
Defined contribution plans, specifically the 401(k)s, have become the dominant form of retirement plan in the U.S., and employees with access must navigate a variety of choices. Could couples increase their retirement wealth simply by shifting a dollar of savings from one person to the other? It turns out, not every couple is taking advantage of this free money.
Previous generations were able to take advantage of highly valuable and productive social capital as well as their exploding financial capital to move through life stages in a fiscally efficient manner. Our current young must engage in enormous outlays of purely financial capital in order to achieve the same levels of stability and accomplishment — capital that they do not have.
One of economist Gary Becker’s lasting ideas is that the “full price” for anything combines the direct monetary price and the indirect opportunity cost of the time required to consume it or produce it. In the business world, they call this “asset utilization.” It’s not just about how much that new assembly line costs. It’s about how efficiently the company uses it going forward.
Americans suck at outsourcing. Most of our problems are of a fiduciary nature. The people we pick to look out for our best interests are failing miserably. Conflicts of interest are the rule, not the exception.
Germany is getting rid of paper checks at the end of 2027. Australia is bidding them farewell by 2030. U.S. President Donald Trump followed up his order killing off the penny with an executive order stopping check writing by the federal government. Should the U.S. follow these other countries and broadly eliminate the ability to write checks?
Wedding registries are weird. They’re supposed to help your loved ones celebrate you and give you a head start on your lives together, but instead, they’ve become an opportunity to collect a dozen ways to serve cheese. Consider this swap list your real-life starter pack, built around our personal lessons and thoughtful research.
The secret sauce of bettering yourself in the finance industry is some combination of communication, sales, analysis and process.
Upcoming Event
The Questions I Wish I’d Asked Before My First Deal
A colleague of mine put $100K into a value-add multifamily deal in 2021 because the sponsor’s webinar was slick and the projected IRR had two digits. He never asked how the debt was structured. Floating rate, three-year term, rate cap expiring in year two. You can guess what happened next.
That’s the failure mode for physicians in private real estate. We’re trained to interrogate a study design before we change a treatment plan, then we hand over six figures based on a glossy deck and a friendly Zoom call.
Kerry Peoples, Head of Capital Markets at Bonaventure, is walking through the 10 questions worth asking before you fund any private REIT, DST, or syndication. August 4th, 1:00 PM ET. Alignment, fee stacks, debt terms, and what portion of your distribution actually gets taxed versus what shows up as return of capital.If you’ve never done a private deal, this is your cheapest tuition. The questions themselves are the education, because once you know what to ask, sales pitches start sounding a lot less persuasive and a lot more like the sales pitches they are.
Already an LP in something? Pull up your last quarterly report while you watch. Do you know when your loan matures? What the sponsor collects in acquisition, asset management, and disposition fees before you see a dollar of preferred return? Whether your promote structure kicks in before or after you get your capital back? Most physicians I talk to can’t answer those questions about deals they already own, which is a strange place to be with money you’ve already committed.
Every registrant gets the 10 questions as a one-page PDF plus the full recording, so a clinic day conflict costs you nothing.
Ten questions. One hour. Ask them before you write the check, not after.
