The Sunday Best (11/4/2018)

The Sunday Best
The Sunday Best is a collection of articles I’ve curated for your reading pleasure.

Expect most of the writing to be from recent weeks and consistent with the themes presented on this website: investing & taxes, financial independence, early retirement, and physician issues.


Presenting, this week’s Sunday Best:


I recently sat down with Side Hustle Scrubs to talk about one of my side hustles. No, not the blog. The breweries. Belly up to the bar for the Side Hustle Sit Down: Physician on FIRE.


The Locum Guy has a different side hustle. Or is it his main hustle? Either way, learn to get the most out of your locum tenens work. How to Negotiate Locum Rates like a Pro: No BS Guide to Getting What You Deserve.


Have you subscribed to Dr. Carrie Reynolds’ Hippocratic Hustle? If not you missed her chat with Jim Dahle, MD: The White Coat Investor and the Friends Talk Finance: FinCon18 Recap.


The stock market had a rocky October. Why. The White Coat Investor jinxed it, that’s why. It all went downhill after he answered the question Should I Invest at All Time Highs?


The stoics didn’t notice the S&P 500 enter correction territory; if they did, they didn’t care. It’s beyond their control. Mr. Waffles on Wednesday explains the philosophy in Goals, Stoicism, and Net Worth.


Speaking of goals, it’s incredible what can be accomplished when one focuses on a particular goal. For Adam Thielen, an undrafted nobody who was almost a dental supply salesman, it was getting noticed by the NFL. In his own words at The Players Tribune, Made in Minnesota.


Spoiler alert: Thielen did make it into the league, and can now afford a few splurges. Visit Personal Finance for Beginners to learn how some of your favorite bloggers spend big. 31 Bloggers Share Their Favorite Financial Splurges.


Learn how to better manage your student loan debt, and explore refinancing to a lower rate with cash back offers!
Student Loan Resource Page
Physicians can live on half their take-home pay and still afford a few splurges. This relative frugality can come in handy when life throws you for a loop. A reader shares her story with J. Money at Budgets are Sexy. “Living Off 50% of Our Income Saved Me in an Unexpected Way.”


When you save as much as you spend, you can afford to make unconventional choices. Lee Huffman, the follicularly challenged man behind Bald Thoughts, shares Why I Quit My $200K Job and Moved to Nashville.


The good news is you’re well on your way to becoming a millionaire if you’re not there already. I’m a millionaire, ESI Money is a millionaire, and so are these five folks. Check them out and learn from their stories.


Car Shopping or One of Two Reasons We’re in Chicago Right Now


A few weeks ago, we sold our family van to neighbors of ours. We weren’t planning to sell just yet, but they seemed very interested in finding a similar make and model. We were able to hook them up at a price they wouldn’t have found on the open market, and we got at least as much as we would have eventually if we were to try trading our van in.

We looked in town first, and we were hoping to purchase locally. It would be the simplest thing to do and there is value in keeping money close to home.

Having done some research into vehicles capable of pulling a decent sized travel trailer, I was pretty sure we wanted a Ford Expedition. The towing capacity is advertised as 9,200 pounds, which is pretty much tops for large SUVs.

When I started looking for Expeditions in our area, I learned that most only towed about 6,600. Only the models with the factory installed upgraded towing package were rated for 9,200 pounds, and it’s a whole package with a larger radiator, oil cooling system, etc… no simple aftermarket add-on.



We found an Expedition with the towing package a little above our price range and the dealer also had a couple of Nissan Armadas, a model that was redone in 2017 and all models have a towing capacity of 8,500 pounds. We test drove both models and preferred the smoother ride and standard features of the Armada.

We found some comparables and were hoping to get a 2017 Nissan Armada with under 50,000 miles for under $30,000. The dealership was willing to budge a little, but not a lot, and didn’t care much about the comps we had found.

And so, we’re in Chicago.

We actually have an even better reason to be in Chicago this weekend. We were invited to a couples shower for a wedding of a close relative that both my wife and I will be very much involved in. With a lot of other travel coming up (mostly for the wedding and football games), we weren’t sure we could swing this one.

But it just so happens that the best deal I’ve seen on the vehicle we want, which also happens to be in my favorite color, is about 10 miles from the wedding shower venue.

It’s a try-before-you-buy situation, and if all goes well, we’ll be the proud owners of a beastly SUV before the week is over. Please don’t tell Mr. Money Mustache.



Have an outstanding week!

-Physician on FIRE


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