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The Sunday Best (10/10/2021)


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!





Is it possible to fire in just 5 short years? The White Coat Investor shows you how to do it and why you may not want to. Fast FIRE: Is It for You?


The 9-9-6 work schedule favored by workaholics in China is seeing some backlash. That’s 9 am to 9 pm, 6 days a week. It’s no wonder some choose to “lie flat” instead. From Millennial Revolution, The Tang Ping Movement: Asia’s First Steps Towards Financial Independence.


We’re not done with numbers. Fritz Gilbert from Retirement Manifesto has realized that a 10:90 ratio gets reversed once you flip the switch to retirement mode. Introducing The 90/10 Rule of Retirement.


Downtown Josh Brown, the Reformed Broker, has a little fun with the latest speculative craze, displaying the digital assets he’s been curating. I Collect Cashflows.


With 5 types of cashflow, Late Starter FIRE is making up for lost time. My Active and Passive Income Streams.


You don’t actually need income streams to create cashflow. In fact, borrowing against your holdings at super low interest rates (2% with M1 Finance) can be far more tax-efficient than collecting cash that the government views as income. The Finance Buff shows us How To Use Securities-Based Lending to Manage Cash Flow.


Did you know that most stocks fail to match the returns of treasury bonds? Larry Swedroe, The Evidence Based Investor, shows us how Most Stocks are Duds (Yes, You Read That Right) and why you should invest in stocks, anyway.


What happens if the U.S. defaults on its debt? The can has been kicked to December, but decisions will have to be made before year’s end. Lyn Alden with Investment Strategy helps makes sense of the options in Sovereign Default, the Debt Ceiling, and the $1 Trillion Coin.


If these trends keep up, we’re going to see the first trillion dollar house! That may be a stretch, but as Ben Carlson with A Wealth of Common Sense points out, we have seen a rapid rise in housing market costs. Are U.S. Housing Prices Becoming Unaffordable? It depends on how you measure and compare.


A popular author says me’s made sense of this market and expects a huge stock market crash this month! But… he’s said the same thing more than a few times before. Jesse Cramer with Best Interest examines the current and prior claims in Rich Wolf, Poor Sheep.


One thing that author gets right, in my opinion, is having a regular morning routine to get his day started on the right foot. Passive Income MD digs into the 5 Morning Habits of Successful People.


Successful people know when it’s time to take a break from the routing. Ryan Inman and Dr. Jimmy Turner, The Physician Philosopher, decide to take a hiatus from Money Meets Medicine for the rest of the year. Don’t worry; they’ll be back! MMM 90: Hard Decisions on Money Meets Medicine.


Meanwhile, we’re just getting started with the Financial Independence Interview series. This week, we released the stories and financial details for three more readers at various points in their own FI journeys. If you’re interested in participating in one of three interview series, please download the most appropriate form for your life situation: FIRE StarterFIRE Crossroads, or Post-FI Notes.


Fuel for the FIRE


One of the many benefits of FIRE is having plenty of time and fuel to enjoy actual flaming hot fires. I’ve spent a good amount of time over the last couple of weeks clearing brush and small trees from our lakefront property.

Doing so has really opened up the view from our current house to the lake across the street. It’s also given us an excuse to invite new friends and neighbors over for fireside chats and drinks, something we’ve done three times in the last eight days as we enjoy an extended reprieve from the coming winter weather.

Our kids like the fires, too.



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People around here in northern Michigan seem to call everything a bonfire, whether it’s a little campfire for roasting weenies and marshmallows or a full-on pile of pallets burning high into the sky. Personally, I think you need flames to reach at least 10 feet high to qualify as a bona fide bonfire, but that’s just me. Feel free to weigh in on what constitutes a “bonfire” in the comments section.



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Cutting Calories


A year ago, I figured I could stand to lose 10 pounds, and that’s what I did. I wrote about how I went about it in this post: How I Lost 10 Pounds in 24 Days (and What That Has To Do With Personal Finance).

It appears that I’m something of a yo-yo dieter, but it’s a very slow yo-yo. A year later, I found that I had gained the weight back, with a non-insignificant bump at the end when I spent the better part of two weeks in Minnesota enjoying my mother’s home cooking.

When I got home three and a half weeks ago, I started some caloric restriction, and I’m now down 7 to 8 pounds. Like last year, I try limiting my food intake to about 2,000 calories daily. The main difference is that I didn’t implement a Sober October in 2021, and there are some beer calories that get in the way on select days. That’s OK; this approach seems to be working well enough for me.


DLP Introduces Two New Funds


Dream Live Prosper, a.k.a. DLP Capital, a private real estate company that I’ve been invested with for a couple of years, has increased their fund family from 3 to 5.

They’ve previously offered a lending fund, a notes fund, and an evergreen housing (equity) fund.

New this fall are a second equity fund, the DLP Building Communities Fund, which will focus on ground-up workforce housing. The fund targets a 13% annual return, net of fees, with an 8% preferred return and an 80%/20% split of additional profits.

The second new fund is the DLP Preferred Credit Fund, a debt fund that largely invests in preferred credit positions with mortgage loans for non-owner occupied (i.e. rental) single family and multifamily homes. The targeted return, net of fees, is 10% annually, with a 9% preferred return and an 80%/20% split of additional profits.

The minimum investment in these funds is listed as $500,000, but you can invest with a minimum of $100,000 when referred as a Physician on FIRE reader. This link to DLP should do the trick. I don’t earn anything extra if you sign up or invest, but DLP does support this site with a flat advertising fee.

To learn more about these funds, register for the upcoming DLP Impact Investing Webinar, this coming Wednesday, 10/14 at 4pm Eastern. If you’re working at that hour (which many of you will be, I suspect), pre-registering should give you access to a replay of the webinar.

DLP’s next Prosperity Event is a month away! See you in Florida? I’ll be there.



Have an outstanding week!

-Physician on FIRE


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2 thoughts on “The Sunday Best (10/10/2021)”

  1. The 90/10 of retirement is my favorite article for this week. The fact that:
    * Pre-retirement = 90% of time is doing financial planning, and
    * Post-retirement = 90% of the time is worrying about non-financial stuff

    Seems like there’s some more balance that could be done here to optimize life in general. For example, if retirees are focusing on other things (i.e. health etc) that aren’t financially related because they deem it more important, it might be good to start focusing on those things pre-retirement as well.

    On the other hand, the 90/10 rule could also just be interpreted as: “You must spend 90% of your time focusing on the money/planning side and sprint towards the finish line, and once you retire and hit a threshold of money, you have all the time in the world to worry about other stuff.”

    Though I’m more of the former camp: I’m heavily focused on my finances but there’s no reason why I can’t also focus on upkeeping my health and other non-financial aspects of my life and enjoy the process of becoming fatFIRE.

  2. Subscribe to get more great content like this, an awesome spreadsheet, and more!
  3. Great Sunday Best as usual PoF! Lots of wonderful articles this week! Although my favorite has to be “Most Stocks Are Duds”.

    I’ve been a great fan of Bessembinder’s stock research, and it’s good to see his studies getting shared around more.


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