The Sunday Best (3/17//2019)

Sunday Best Dino
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.


Happy St. Patrick’s Day!

Presenting, this week’s Sunday Best:


I was a guest on The FI show! Cody Berman and I had a great chat talking about my path to financial independence, charitable giving, curling, and more. Have a listen: From Full-Time Anesthesiologist to Charitable Entrepreneur | Physician on FIRE


Geoarbitrage is the real deal. But should a retired person consider moving up north? Mr. 1500 visits an abandoned cubicle to ask a simple question. Should I Move to Minnesota? (Asks Mr. 1500 Days to Freedom) If nothing else, view this one for the pic of me astonished by a too-long corn dog and another of me behind some beers flashing a vein that makes phlebotomists drool.


The Physician Philosopher asks a different question. Why Aren’t Doctors Rich? Goldberg’s Experiment. Perhaps they’re not interested in moving to Minnesota?


Maybe they’re too busy to focus on their finances. I think many of us feel too busy much of the time, and that’s not a good thing according to The Fioneers. Busyness is Not a Virtue.


If you were too busy to second guess an insurance salesman (no one should ever be that busy!), you might have ended up with some form of cash value life insurance. Grant Bledsoe of Three Oaks Capital guest posts on The White Coat Investor. The Good, the Bad, and the Ugly of Variable Universal Life Insurance (VUL). Note, it’s mostly bad and ugly.


Location independence is something I’m sincerely excited about. Your Money Geek features a couple of nomads who blog at 43 Blue Doors. Meet the Couple Who Used Frugal Living to Retire Early and Embrace the Nomadic Lifestyle


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Have you done you 2018 taxes yet? Did you know you can do them with TurboTax for free? The Young and the Invested breaks down all the changes from the Tax Cut and Jobs Act in Tax Reform 2018 Explained – Understanding the Tax Reform Changes.


Financial Independence is supposed to make life better and retiring early is a common dream. It doesn’t always go as planned, though, as Chris Mamula from Can I Retire Yet will tell you. Can FIRE Make Life Harder?


A reader reached out to me with a touching, tragic story. I love what they’re doing to honor their son — building a playground. From Aaron’s Playground, What I want you to know about infant loss.


The interview series over at ESI Money continues to feature the stories of millionaires and how they got there.



Graduating Med Students Have Matched!


It’s always an exciting time of year with St. Patrick’s Day and NCAA tournament time (Go Gophers!) coinciding, but that small detail of finding out where you’re going to live for the next 3to 7 years is kind of a big deal. Match Day this year was on Friday, and I want to say congratulations to all who will be moving on to residency this summer!

How much interest are you earning in your checking and savings accounts? Explore accounts offering 20x what many banks are offering. High Interest Savings Accounts
I vividly remember opening an envelope and celebrating the fact that I was about to become a Gator sedater about 17 years ago to this day. Before long, I was the proud owner of a one-bedroom condo in Gainesville that I owned for about 12 years altogether.

Renting may be a better option than owning depending on where you’re going and for how long, but if you are considering home ownership and would like assistance with a physician mortgage, I’ve compiled a list of physician mortgage lenders who offer loans throughout the country.

The three main features you will see with most physician loans are:

  1. No PMI despite a down payment of only 0-10%.
  2. Special treatment for the student loans (usually that they only take required payments into consideration).
  3. Will close before you start working by accepting a contract instead of paystubs as evidence of future earnings.


Have an outstanding week!

-Physician on FIRE


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