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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!
To say that he’s been through a lot since retiring early is a gross understatement, but he’s gained some valuable perspective living Life Outside the Maze. Lessons Learned From 4 Years Outside the Maze.
Ali & Alison of All Options Considered (the other AOC) celebrate the same milestone. Why the bear market doesn’t phase them, the many things that do scare them, and what looks like now in Life After FI – 4 Years in Retirement.
In our fourth year of FIRE, we’ve made travel a priority before settling down soon for the high school years. We began our current trip in a place with a rich and tumultuous history. Family FIRE Travels: Krakow, Poland.
Before you reach FI, term life insurance is a really cheap way to ensure your next of kin will indeed be FI if you meet an early demise. James McGlynn with Humble Dollar shares Six Tips on Term Life.
- Specific tips for those on the FI path: A FIRE-Minded Approach to Life Insurance
The focal point of the FIRE-Minded approach to investing is index funds. Ben Carlson with A Wealth of Common Sense shows us The Agony & Ecstasy of Stock-Picking. Agony has been winning out recently.
Along those lines, Alexander Hurst was making all the right moves… until he wasn’t. How I Turned $15,000 Into $1.2m During the Pandemic – Then Lost It All from The Guardian.
You know what’s done relatively well lately? Value stocks, at least as compared to growth stocks. Larry Swedroe with Evidence Investor explains why value stocks tend to outperform growth even as the companies earnings do not. Valuations and Earnings Growth Rates.
Let’s not leave bonds out of the conversation. Allen Roth with Advisor Perspectives has built an ultra-safe portfolio providing returns 4.3% above inflation for 30 years. The 4% Rule Just Became a Whole Lot Easier.
Couples, do you combine your money or keep finances separate? I’ve done the former, but some people say you gotta keep ’em separated. Reader Case Study: Separate Finances = Happy Couple from Frugalwoods.
Dr. Cory S. Fawcett of Financial Success MD was taken advantage of. Thankfully, he didn’t lose a whole lot. How This Doctor got Scammed Last Summer. p.s. Cory, I know what you did last summer.
- Related: Physicians Scammed out of Tens of Millions of Dollars
- An Important Read: Top 5 Ways to Spot (and Avoid) Investment Scams
Butterfield identified three. Passive Income MD finds five. The Different Levels of Wealth Categorized and Explained.
“Millionaire” has forever been a level of wealth target, even if its value has been cheapened by inflation over the decades. Alpha Architect is Pulling the curtain back: what do millionaires invest in? My equity exposure is well above average!
How do individual millionaires invest? There’s a wide range, but here are another five millionaires who share their specifics with ESI Money.
- Millionaire Interview 330
- Millionaire Interview 330, Part 2
- Millionaire Interview 331
- Millionaire Interview 332
- Millionaire Interview 333
- Millionaire Interview 334

Look, Kids!
I must have said “Look, kids! Big Ben, Parliament” at least a dozen times. For me, it never gets old. For the kids, it was old before I said it a second time, but I didn’t let that stop me!
For those of you not up on your classic ’80s movies references, here’s the scene.

Yes, we’re in London, enjoying a strong dollar that’s worth 88 pence. The last time my wife and I were here was 15 years ago when a British pound was worth $2 USD. The pound is now devalued to $1.14, making these theatre tickets, concert tickets, ales, and groceries from the Amazon Fresh store all the more affordable.
Hooray, strong dollar! Amidst rising interest rates and inflation, some things are quite a bit cheaper than they were in recent history, including European travel.
Rising Interest Rates are Not All Bad
The Federal Reserve raised the target federal funds rate by 75 basis points yet again this last week. That stinks if you’re about to borrow money, but it can be great if you’re in a position to lend money by investing in debt and fixed income.
Percent is a platform for such investments that we’ve partnered with, and the average annual percentage yield for deals on their platform for accredited investors now sits at about 15% with an average investment term of 8 months.
As a Physician on Fire reader, you’re eligible for a bonus of $100 to $500 with your first investment with Percent.
The private credit markets (privately negotiated loans) offer risk and return profiles that are not well correlated with the stock market, and institutional investors like Blackstone, Goldman Sachs, and KKR deploy hundreds of billions of dollars into them.
As is true of any investment offering returns well above the risk-free rate, there is some risk. The default rate to date for investments via Percent is 1.38% after 376 offerings and $735 Million in funded loans.
Intrigued? Learn more.
Increased Welcome Bonuses for Top Business Cards
Two of the best business credit cards out there just increased their welcome bonuses to $900!
Better yet, these cards, the Chase Ink Business Unlimited® Credit Card and Chase Ink Business Cash® Credit Card have no annual fees, ever.
To earn the $900 welcome bonus, you must spend $6,000 on these Chase business cards in your first 3 months with them.
What’s the difference? The Unlimited card gives you a fixed reward per dollar spent (in Chase Ultimate Rewards points, a cash equivalent) and the Cash card gives you more points in certain categories, less in others. I like to think of these cards as the Business equivalent of the personal cards Chase Freedom Unlimited (minimum 1.5% cash back on every purchase) and Chase Freedom Flex (5% cash back on rotating categories on up to $1,500 in purchases per quarter and 1% on everything else).
Chase Ink Business Cash: $900 cash back
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Chase Ink Business Unlimited: $900 cash back
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Pro tip: Sign up for both the Ink Cash and the Ink Unlimited sequentially, collect both welcome bonuses, and transfer those UR points to a card with even stronger redemption options like one of the personal Chase Sapphire credit cards. For more on how this works (it’s not complicated), see how to Earn 2.25% to 15% Back on Purchases With These 2 Credit Cards.
A Premium Chase Business Card
Did you know that Chase offers a Premium card for business owners? This one is great if you make big purchases, as you’ll get 2.5% back on purchases of $5,000 or more with the Chase Ink Business Premier℠ Credit Card. You’ll earn 2% back on all other purchases, and the rewards accumulate in Chase Ultimate Rewards points that can be transferred to other cards with valuable redemption options.
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One last credit card mention. The limited time offers of increased welcome bonuses of 65,000 to 80,000 miles on certain Delta co-branded credit cards are ending this week. Check ’em out while you still can!
Have an outstanding week!
-Physician on FIRE
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