Advertiser disclosure

Terms and Restrictions Apply
Physician on FIRE has partnered with CardRatings for our coverage of credit card products. Physician on FIRE and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on the website are from advertisers. Compensation may impact on how and where card products appear on the site. POF does not include all card companies or all available card offers. Credit Card Providers determine the underwriting criteria necessary for approval, you should review each Provider’s terms and conditions to determine which card works for you and your personal financial situation.
Editorial Disclosure: Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed, or approved by any of these entities.

The Sunday Best (4/16/2017)

the sunday best

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.

I’ve had early retirement on the brain lately, and the blogosphere has quenched my thirst for insightful posts from writers with some experience on the topic. With the recent MOAB-like explosion of articles on the subject, I ended up with a theme here today.


Presenting, this week’s Sunday Best:


Wealthy Doc shows us how a Family Practioner with a Financial Plan can retire early and comfortably. FP from Residency to Retirement. Retire at 55.


Early retiree Joe Udo @ Retire by 40 has found his early retirement is not quite what he envisioned. He shares 5 Dreams That Did Not Come True in Early Retirement.


Only a few months into his early retirement, Steve @ Think Save Retire has already altered his expectations. The Thing that Surprised Me Most About Early Retirement.


To avoid surprises, you should consider following Early Retirement Dude‘s The Ten Commandments of Early Retirement.


Here’s a doc who has chatted up a couple early retirees recently. What lessons did Dr. Mo of Urgent Care Career learn? Stories of an Early Retiree.


ESI Money teamed up with Budgets are Sexy to describe 10 Things I Didn’t Expect in Early Retirement. There’s not a bad thing among them.


Freedom is Groovy, a recently retired couple, reached out to others who have chosen a similar path to learn from their experience. Early Retirement Highs and Lows: Eight Top Bloggers Weigh In.


The Groovy couple got some wise perspective from some blogging greats, but not from Financial Samurai. Fear not — he wrote an entire post of his own. Early Retirement Five Years Later.


For some, the goal isn’t necessarily early retirement, but location independence, or the ability to earn enough to live a rich life anywhere in the world you choose to be. Laurie of The Three Year Experiment explains Why Location Independence is So Important to Us.


Check Your Spam Box!


This public service announcement is brought to you by the fact that e-mails of my own blog posts from Mailchimp have been going to my Gmail spam box. The nerve!

Furthermore, when I actually looked at the Spam folder for the first time in many months, there were several real e-mails from real people like you written directly to a real person like me.

I don’t know exactly what the Spam filter looks for, but the number of false positives was alarming.

I rescued a handful of personal e-mails, and have sent my replies, but if you’ve sent me a genuine e-mail in the past, and I completely ignored you, it was unintentional.

If you have subscribed to my e-mails and have not been receiving regular e-mails, be sure to add my e-mail address to your contact list. pof [at symbol] physicianonfire dot com

If you haven’t subscribed, and would like to, here’s a great opportunity to do so!





Physicians and pharmacists, Register with Incrowd for the opportunity to earn easy money with quick "microsurveys" tailored to your specialty.

An Almost Free Vacation


I’ll be heading west for a meeting late next week, and after a 96-hour call shift that ends Monday morning, I’ve got the whole week off.

When I went to book my flight, I found that I could save the kind people who are reimbursing me for the flight by taking two flights with an extended layover. With my wife’s permission, I stretched that layover to four days.

I scored a $10 a day “special car” from Hotwire, which comes out to $71 after fees and taxes.

My buddy, a class clown turned entrepreneur who’s been a close friend of mine for 37 of our 41 years on this earth, bought a motel and log cabin in the mountains last year, so I’ve got my choice of free places to stay, and fantastic company while I’m there.

As soon as I booked the flight, I started running again. Not literally that minute, but I’ve tried to run at least a few miles most days this last week.

You see, my friend is an avid athlete and ultra-marathoner. I have no aspirations to literally follow in his footsteps, but If I’m going to visit him in mile high country, I’d like to have a fighting chance to keep up on a few short hikes.

I’m looking forward to seeing some waterfalls, walking ’til weary, and resting my wobbly legs in the motel lounge. I’m told they have Ska Brewing on draft! Next week, MH stands not for Malignant Hyperthermia, but for Modus Hoperandi. Cheers!

Later in the week, before heading to the meeting, I’ll spend an evening with the 1500s — the man of the house will have been early retired for one full week by then. If you missed his announcement, I’ve got a bonus post for you, simply titled Free.


Have a great week!

-Physician on FIRE


Share this post:

13 thoughts on “The Sunday Best (4/16/2017)”

  1. I did notice a few of your posts and the replies to comments were getting pushed to spam. Bummer, but its fixed now!

    Love the article on what they didnt expect in retirement.

    Really like this comment. “The difference is that I went from doing things I HAD to do, though, to doing things I WANT to do. Which makes all the difference in the world.”

  2. Subscribe to get more great content like this, an awesome spreadsheet, and more!
  3. Enjoy your almost free vacation PoF! Didn’t you *just* go on vacation?

    Ahh…the life of a doctor. *This* is why it’s always hard for me to get an appointment with my doctor. I understand now! 😉

    Say “Hi” to Mr. 1500 for me.

  4. Another great Sunday Best! Looking forward to read these articles. Early retirement is gaining steam for sure, but I suspect it is still only 0.05% of the people out there.

  5. The early retirement idea is spreading like wildfire!! I’ve starting drafting some posts on my thoughts and running numbers to see when I could retire. I’m a little concerned about writing these thoughts on my blog because I have coworkers that read it… part of me doesn’t care and just wants to publish some of these thoughts I have. We’ll see what happens!!

    Nice write up and have fun on the trip!!

  6. Looks like an early retirement trend is gaining steam!

    It’s crazy how fast time flies.

    If you have your money down, and also don’t care about money as much, early retirement is totally worth it!


    • Thank you, Sam! Congrats on five years of freedom.

      For me, it’s getting closer. Closer everday. Almost paradise…


  7. Thanks for including our post on Freedom is Groovy! Looking forward to reading a few of the others I missed, and your upcoming interview with Mr. 1500.

    Enjoy your trip out west and have a great Easter!

    • And thank you for interviewing so many early retirees — the post fit perfectly with the theme that formed here today.

      My visit with the 1500s will be more of a social call, but I did do a Q&A with Mr. 1500 last year.


  8. Nice round up. How do you take call for 96 hours straight in anesthesia? I thought anesthesia call was in-house.

    Have a great vacation and Happy Easter!

    • Thanks, WaSP! I missed the Easter Egg Hunt at home this morning, but helped a little guy get his elbow fixed. It seems the Easter Bunny pushed him off the top bunk in his sleep.

      Regarding call, it depends on the size of the hospital and the trauma designation, but many community hospitals allow anesthesia to take home call. It’s not unusual for me to make 3 or 4 round trips back and forth per 24 hours, which is why it’s paramount to live close to the hospital for better quality of life.

      About half the time, I’ll sleep through the night in my own bed, but I’ve been woken up for a labor epidural sometime around midnight for three consecutive nights, and called back first thing in the morning for OR cases. That’s why they pay us the big bucks, right?



Leave a Comment


Doctor Loan up to 100% Financing

Related Articles

Subscribe to Physician on FIRE

If you do not see a subscription box above, please navigate here to subscribe.

Join Thousands of Doctors on the Path to FIRE

Get exclusive tips on how to reclaim control of your time and finances.