The Sunday Best (11/27/2022)

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!




A month into an 8-month family adventure, a 39-year old Jillian Johnsrud reminds us of Five Big Reasons to Retire Often.


The headline is oversimplified, but Darius Foroux makes an excellent point that too many people have forgotten. To Build Inevitable Wealth, Simply Avoid Financial Ruin.


Wealthy Doc shows us some true safe havens when it seems like financial ruin is lurking around every corner. Never Lose Money.


When inflation is raging, you don’t have to “lose money” to effectively lose money. How bad can it get? This bad. The 10 Worst Cases of Hyperinflation in History.


A little bit of inflation is good for the economy as it encourages consumers to spend. Luke Smith with Humble Dollar does his best inflation impersonation. Go Ahead. Spend It. I double-dog dare you!


As we shop around for deals between Black Friday and Cyber Monday, Ben Carlson with A Wealth of Common Sense ponders that It Might Take a Recession to Slow Down the Consumer.


As a nation, we’ve shifted from savers to spenders over the last two years, and we’re saving much less than the Japanese, Koreans, Mexicans, and Swedes. Derek with Life and My Finances digs deep into the data. 100+ American Savings Statistics: Averages, Rates, and Retirement Stats.


To make a fair comparison between passive and active investing, S&P Indices Versus Active (SPIVA) data has been collected for two decades. The Evidence Based Investor shares Eight Key Takeaways from 20 Years of SPIVA Data.


After 12_ years of raising a daughter, millionaire retiree Jim with Route to Retire shows us strategies for avoiding Entitled Kid Syndrome… Our 4-Part Preventative Strategy.


Let’s hear from a rich kid. Jack Rosenthal built a six-figure portfolio as a high-schooler and wrote the book on teenage investing. He shows us How to Teach Teens About Investing.


What happens when you get what you want? The White Coat Investor gets philosophical while discussing the downside of success in The Challenge of Choice.


Ether to FI may be halfway to what he wants, which is financial independence. In his 19th update after more than five years as an anesthesiologist, he submits Ether to FI: Halfway to FI? (a Net Worth Update).


We’ve heard from a few millionaires today, but this survey draws from over 10,000 of them. From Path to Simple, A National Study of Millionaires – Who They Are, How They Live, and How They Got There.


We’re not done learning from the habits of millionaires. Here’s another batch of five from ESI Money:



Answer quick MicroSurveys for cash. Designed with convenience and timeliness in mind, 70% of surveys are answered on a mobile device in just a few minutes.

Physicians, Pharmacists, and other healthcare professionals are invited to join Incrowd today!


Last Call for 80,000 Point Welcome Bonus on the CSR


One of my go-to credit cards, the Chase Sapphire Reserve, is about to lose its outsized 80,000 point welcome bonus, which you can earn by spending $4,000 on the card in your first three months. This card gives you airport lounge access, Global Entry / TSA Precheck, a $300 travel credit, and a bunch of other perks.

If you don’t have this premium rewards card and you haven’t gotten a welcome bonus for either of the Sapphire cards in the last 48 months, now may be the time to get in while the getting is good!

This offer expires at 6 pm EST on Tuesday, November 30th.

A comparison of the two Chase Sapphire cards: Which is Better? Chase Sapphire Preferred versus Sapphire Reserve


Chase Sapphire Preferred® Card

80,000 Points with a $4,000 spend in 3 months
PoF Summary

The Chase Sapphire Preferred® Card is an excellent first (or only) rewards card. $50 annual hotel credit for bookings via the Chase UR tavel portal & 5x points for all travel via the portal. 3x points on dining, 2x on other travel. Flexible rewards good for cash, travel, or transfer to travel partners, great travel protection & new Peloton, Lyft & DoorDash perks! $95 Annual Fee

Chase Sapphire Reserve

60,000 Points with a $4,000 spend in 3 months
PoF Summary

The Chase Sapphire Reserve offers great travel perks including Priority Pass lounge access, a credit for Global Entry or TSA Pre✓ and a $300 annual travel credit. When using Chase Ultimate Rewards travel portal, get 10x points on hotels and car rental & 5x points on flights. 3x points on other travel & dining. Elevated Peloton, Lyft and DoorDash benefits. $550 Annual Fee


Home Sweet Home


It started with the longest run of my life and ended with a festive Thanksgiving feast. In between, we spent time in Krakow, Stockholm, and London and took a 16-day cruise across the ocean after stopping two times each in France, Spain, and Portugal.

Six weeks later, we’re back home in northern Michigan, experiencing real life with snow on the ground, appointments to attend, and no waiter to take my drink or dessert order. Giovanni and Savio, I miss you guys!

Traveling has been great; I believe we’ve been away for at least 5 months this year, but it’s always nice to get home and back into a regular routine. I don’t know how digital nomads do without a home base. I love me some adventure, but at some point, it’s nice to come home.


10% Off Every WCI Course


I’m pretty sure WCI was already “in the black” before Friday, but they’ve gone ahead and put together a nice Black Friday / Cyber Monday sale for you. You can now save 10% on every WCI Course with code WCICFE2022.

You can find all the courses here, and these are my top recommendations:

Each course comes with a money-back guarantee, so you’ve got nothing to lose and so much to gain by furthering your financial education!


Check Out All WCI Courses



Have an outstanding week!

-Physician on FIRE

1 thought on “The Sunday Best (11/27/2022)”

  1. Glad you are back in Michigan, and you’re right it’s such a blessing to have a home base you can go back to when you’re tired of traveling. I travel some for work, and while it may seem all ‘romantic’ to be on the road, nothing beats being home in your own bed! Welcome back, hope Mother Nature goes easy on you this winter season!


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