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.
I am a fan of periodic investing, which is different than dollar cost averaging. I recently shared an update on my investment portfolio along with the latest statistics from this website. Six million pageviews and counting in the 2019 Q2 PoF Portfolio & Blog Performance Update.
By this date next month, I will be officially funemployed.
It’s going to be an interesting transition. I’ve gotten used to having money left over to invest every month. That won’t necessarily be the case anymore. From a mathematical standpoint, I know I don’t need to do that anymore, but from a psychological standpoint, I know I’ll miss it.
My original stated goals on this site were to leave my job when we had 40x to 50x our annual spending in accounts available to us in retirement. I later revisited and revised my investor policy statement to say that we’d be plenty comfortable with 33x.
The stock market has smiled upon us, and depending on what I use for a budget number, we’ve met or exceeded not only the revised goal, but also that original lofty goal number.
I’ve also been blessed with the good fortune of a blog that became a business, and even after donating half of the profits and paying taxes, we should have about enough leftover to support our anticipated annual budget.
If you’re saying I won’t really be retired, I would agree with you. Retired Not Retired is a term I’ve used in the past. I will continue to “work” online, generating income, but now it’s optional.
I’m not going to lie. I love doing this, but there are times when I’d rather take a break. For example, as I write this after dinner on Saturday, I’ve played both bags (cornhole) and croquet. There’s some bocce ball in my future and maybe some game involving two black cans and a frisbee. It’s probably too windy for badminton.
But the pull of the blog is keeping me inside a bit longer than I’d like to be. It is remarkable, though, to see how efficient I can be when I’ve got a goal in mind. I can spend hours online and accomplish next to nothing, or I can sit my butt down and focus on this stuff, and knock out The Sunday Best in about 90 minutes (assuming I’ve already curated the articles, which I do throughout the week).
I do think it will be easier to find that blog / life balance when I’m not playing catchup after a busy 7 or 14 days of clinical work. After an 0300 epidural Monday morning, my 550-mile drive over to join my family was not the most fun. To be honest, I haven’t completely recovered and my sleep pattern has been off ever since.
I’ve updated the Student Loan Resource Page with an easy to read, user-friendly widget that displays the latest rates and cash back offerings from our Student Loan Refinancing partners.
As always, if you use my link (and we are both credited), I will not only donate half of my resulting profit, but I will also donate $50 to a charity of your choice on your behalf (and send you proof).
If you’ve refinanced before, you may be able to refinance again now at an even lower rate. SoFi and Laurel Road offer resident refinancing with payments of $100 a month.
For those of you who would rather not DIY, I maintain a list of 10 recommended financial advisors. Among the good guys and gals who work frequently with physicians, only the lowest cost, fee-only fiduciary advisors were invited to be on this short list.