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The Sunday Best (10/15/2023)

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 frugalitytax issuestravelphysician 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!

Jorge Sanchez, MD, curated this week’s articles.



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In this week’s post, we compare VTI and VTSAX, in terms of fees, investment minimums, and tax efficiency: VTI vs VTSAX: Which Vanguard Investment Option Is Better?


Will baby boomers regret not being more aggressive with Roth conversion? The Retirement Manifesto thinks so. In his article, he gives five reasons why we’re living in The Golden Age of Roth Conversions.


What is an appropriate nest egg for financial freedom? For Dr. Jordan Frey and his family, that number is $5 million. In his latest article posted on The Prudent Plastic Surgeon, Dr. Frey discusses what is an appropriate nest egg for financial freedom and how to get there: How Much Do You Need to Save for a $5 Million Nest Egg?


With interest rates at historical highs and the cost of living rising, even high-income earners are reaching their limit on how far they can stretch a dollar. How can one survive, if not thrive, in these uncertain circumstances? The Motivated M.D. shares 8 extreme ways to cut costs and save money.


The Darwinian Doctor bought his first home during residency. When faced with the dilemma of whether to sell or rent his home in Los Angeles when his residency ended, he and his wife chose to rent. In his latest article, he lists important questions to ask should you find yourself in the same situation: Should Doctors Sell or Rent Out Their Old Homes?


Beyond a personal and emotional commitment, raising children is also a huge financial commitment. My Own Advisor tackles one of life’s most important decisions and its financial impact: What are the costs to raise children? 


Are you dreading the current sideways market? You’re not alone. The Monevator shares his latest portfolio update in The Slow and Steady passive portfolio update: Q3 2023 and why, despite the glum period, you should take heart and stay the course. 


If you have people in your life who rely on your income, it’s important to have life insurance. Marriage Kids and Money lists the different things you should consider when calculating How Much Life Insurance Do You Need? 


Debt service coverage ratio loans have become an increasingly popular option among investors in our community. But what are they? And why are investors choosing these loans over more traditional options? In this article, Semi-Retired M.D. covers The Pros and Cons of Using DSCR Loans to Buy an Investment Property. 


Ever thought about where you’ll want to spend your golden years? Leisure and Freak talks about how you can transcend traditional notions of settling into a single retirement location: Snowbird Living: The Art of Seasonal Retirement Relocations.


What’s the biggest threat to your retirement? For young adults, we know a key pitfall is failing to invest in stocks because they’re so afraid of the market’s short-term ups and downs, thus unwittingly risking impoverishment later in life. William Ehart, from Humble Dollar, shares the financial decision he made in his 40s that devastated his portfolio now that he’s 62: Some Gain, Less Pain.


VUSXX and VMFXX are two money market funds offered by Vanguard. How do you decide between these two conservative investment options?  In this post, we compare VUSXX and VMFXX in terms of performance, fees, and tax efficiency.



Elderly care is hard, no matter how prepared you are. In this insightful article from Humble Dollar, Nancy Fagan, chronicles her experience caring for her parents, the challenges she faced, and the lessons she’s learned: Stepping Up


The Financial Samurai invites Dr. Daniel Shin to speak about the different ways doctors can make money today outside of medicine: Making Money As A Doctor Today, Burning Out, And Pursuing Entrepreneurship With Daniel Shin, MD


So much of retirement planning advice revolves around kids and grandkids. But what if you don’t have kids? How different would your retirement plan look? Lauren and her husband Warren made the decision not to have children many years ago. Now, in their 60s, Lauren from Humble Dollar shares their three basic retirement rules tailor-made for a couple without kids. Interestingly enough, the guidelines are relevant to anyone, kids or not:  In Just the Two of Us


Earned Wealth: Tailored Financial Services for Physicians

As a dedicated physician, you’ve invested years in perfecting your skills and putting your patients first. However, when it comes to securing your financial future, you might find yourself facing unique challenges and uncertainties. Enter Earned Wealth (previously Forme Financial) offers specialized financial services designed to simplify your life and ensure your financial well-being.


A Physician-Centric Advisory Board:

You can count on Earned Wealth’s advisory board, composed of respected physicians (including POF’s Leif Dahleen)  and healthcare professionals, to keep us informed and accountable to your unique needs. They serve as a guiding force, ensuring that Earned Wealth’s services are finely tuned to cater to the specific challenges and goals that medical professionals like you encounter. With their insights, Earned Wealth continually refines its offerings to better serve your financial requirements.


Streamlined, 360° Wealth Management:

At Earned Wealth, they recognize the value of your time and understand the relentless demands of your profession. That’s why they’ve tailored their services to provide you with a seamless, white-glove experience. Their 360° wealth management approach covers every aspect, from managing debt to optimizing investments to efficient tax planning. You’ll have one dedicated wealth manager as your primary point of contact, ensuring simplicity and peace of mind.


Physician-Tailored Services:

Recognizing your career as a physician stands as a distinct path, your unique journey guides data-driven recommendations. Embracing a comprehensive approach that surpasses standard investment strategies, they attend to every aspect of wealth acceleration, safeguarding your financial future.


Accessibility and Efficiency:

With Earned Wealth, you can oversee your wealth in one convenient location. All your documents, valuable advice, and more are easily accessible through our user-friendly digital platform. Their Intelligent Advice Engine empowers their advisors to provide precisely tailored financial guidance, ensuring you achieve your financial objectives efficiently.


Personalized Financial Planning:

What I really like is their approach which involves crafting individualized plans to help you make the most of your career choices and investments. They assist you in navigating debt, protecting your assets through insurance and estate planning, and optimizing your financial strategy. The blend of cutting-edge technology and human advisors provides you with a clear trajectory of your net worth and how various financial decisions can impact it.

They understand that our time as a physician is invaluable. They have streamlined the process of establishing an advisory relationship with their physician clients, making it efficient and effortless. They handle everything, from securely transferring your financial details to providing a delightful and engaging experience.

At Earned Wealth, they firmly believe that physicians deserve the best when it comes to their financial future. Take the first step today and experience firsthand the power of tailored financial services.



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