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# The Physician Philosopher

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## Posts

- [How Much Money Should I Be Saving Each Year?](https://thephysicianphilosopher.com/annual-savings-goal/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″] People often ask me for practical advice on getting started with investing. Given the fact that many people have just transitioned to new jobs, I thought I’d give you my
- [Investing Advice for Doctors: The Pareto Principle](https://thephysicianphilosopher.com/practical-investing-advice/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”]The Pareto Principle can be stated many ways, but the premise is that 20% of the work will get you 80% of the results. Investing advice for doctors is no different. It may
- [The 3 Ways to Get to Financial Independence](https://thephysicianphilosopher.com/what-is-financial-independence/) - Do you need 25 times your annual expenses? What if you have enough passive income coming in each month to cover your expenses? How exactly do YOU define financial independence? Definitions matter. Come find out why.
- [The Importance of Investing Money in Residency](https://thephysicianphilosopher.com/investing-money-residency/) - Saving money is tough. Saving money during residency might be tougher. But is also might be more important. Join along as we discuss the importance (and benefits) behind investing during residency.
- [5 Tax Deductions for High Earners (plus a Tax Hack)](https://thephysicianphilosopher.com/tax-deductions-high-earner/) - Taxes often feel like the enemy around this time of year, particularly for high earners. However, there are some great ways to minimize your tax burden. This post has 5 of them plus a 6th tax hack.
- [Saving Money. How Much is Enough? The 30% Rule](https://thephysicianphilosopher.com/third-decree-30-rule/) - What percentage of your annual income should you be putting towards your financial goals each year? If you haven't answered this question, you probably should. The 30% Rule can help guide you.
- [6.5 Ways to Overcome The Early Retirement Gap to Age 59.5](https://thephysicianphilosopher.com/the-early-retirement-gap/) - Everyone loves talking about FIRE, but not the inherent problem that FIRE creates - the Early Retirement Gap. What is it and how can you avoid it? Keep reading to find out.
- [Should I Invest in My 457 Plan?](https://thephysicianphilosopher.com/should-i-invest-in-my-457/) - Investing in your 401K/403B is a straight-forward decision, even if you are loaded up with debt. A much more complicated question to answer is whether you should contribute to your company's deferred compensation 457 plan. Today's post will answer the question, "Should I invest in my 457?" The What, when, and why.
- [How Much Money Do Doctors Make & Why It Doesn't Matter](https://thephysicianphilosopher.com/how-much-money-do-doctors-make-why-it-doesnt-matter/) - People often wonder how much money different doctors make. I'll tell you, but then I am going to tell you why that income doesn't matter - because of a fatal flaw in how doctors think about money.
- [Money and Burnout: Taking the Road Less Traveled](https://thephysicianphilosopher.com/money-and-burnout/) - [et_pb_section fb_built=”1″ theme_builder_area=”post_content” _builder_version=”4.17.6″ _module_preset=”default”][et_pb_row _builder_version=”4.17.6″ _module_preset=”default” theme_builder_area=”post_content”][et_pb_column _builder_version=”4.17.6″ _module_preset=”default” type=”4_4″ theme_builder_area=”post_content”][et_pb_text _builder_version=”4.17.6″ _module_preset=”default” theme_builder_area=”post_content” hover_enabled=”0″ sticky_enabled=”0″ custom_padding=”0px||0px||false|false” custom_margin=”0px||0px||false|false”]You may have made your way here from reading my book, Determined: How Burned-Out Doctors Can Thrive in a Broken Medical System. If so, welcome! Below are a list of resources you can use to improve your personal finance
- [Budgeting That You Won't Hate: Backwards Budgeting](https://thephysicianphilosopher.com/budgeting-that-you-wont-hate-backwards-budgeting/) - Let's be real. Most of us hate budgeting. I know that I do. That said, I am a big believer that unintentional plans lead to lots of people ending up broke. What if I told you that there is a way to budget that you won't hate, and it will accomplish all of your goals automatically? Too good to be true? Read on to find out...
- [10 Milestones to Financial Independence Worth Celebrating](https://thephysicianphilosopher.com/financial-independence-milestones/) - Some things in life are worth celebrating. We know that the road to financial independence can be long, and so we must not wait to get there before we have cause for celebration. Here are ten milestones on the financial independence journey that should make you pause, take notice, and take a moment to enjoy.
- [Why Do Doctors Kill Themselves?](https://thephysicianphilosopher.com/why-do-doctors-kill-themselves/) - I still remember exactly where I was when suicide first touched my life. I was in my second year of residency. I was sleeping. It was 2 am two days before Christmas when I received the call from my mom. I can't explain why, but I knew immediately. This started my journey into wondering why doctors kill themselves.
- [AUM versus Flat-Fee: A Financial Advisor's Perspective](https://thephysicianphilosopher.com/aum-vs-flat-fee/) - Have you ever wanted a financial advisor's inside perspective on fee-models? Well, today is your day. If you have a financial advisor (or if you are considering one), this post is a must-read.
- [5 Examples of Bad Financial Advice from Dave Ramsey (for Doctors)](https://thephysicianphilosopher.com/ramsey-bad-for-doctors/) - Many people hail Dave Ramsey as a financial guru. He is a bit of a lightning rod, though. Particularly in the physician world where he provides terrible financial advice for doctors. Don't believe me? Here are 5 examples.
- [Refinancing with a Physician Home Loan](https://thephysicianphilosopher.com/refinance-physician-home-loan/) - Have you considered refinancing (or purchasing) a home recently? We have, and we did refinance our home. If you've ever had questions about the process, click the link to read the post.
- [Tips for Moonlighting in Residency: Making Extra Cash](https://thephysicianphilosopher.com/moonlighting-in-residency/) - [et_pb_section fb_built=”1″ _builder_version=”3.22″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.14.8″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”]As a PGY-4 in my anesthesiology residency, I easily doubled my salary by moonlighting in residency. Many opportunities exist for moonlighting, and the pay usually ranges from $60/hour to $150/hour depending on the
- [The Top 10 Things Doctors Need to Know About Disability Insurance](https://thephysicianphilosopher.com/the-top-10-things-doctors-need-to-know-about-disability-insurance/) - It is not a sexy topic, but it is one of the most important (if not THE most important) topic in personal finance for doctors. Here are the top 10 questions about disability insurance for doctors, and an answer to each. Don't skip this. It's important, and that is coming from someone who screwed this up and cannot get disability insurance now.
- [The 2 Worst Ways to Pay for Financial Advice](https://thephysicianphilosopher.com/worst-financial-advice/) - There's good financial advice out there. And then there is financial advice that is not only bad, but costly. Here are 2 of the worst ways to pay for financial advice (and why you should avoid them).
- [Pros and Cons of Going Part Time as a Doctor](https://thephysicianphilosopher.com/pros-and-cons-of-going-part-time-as-a-doctor/) - Going part-time as a doctor is a big decision. There are certainly benefits and consequences to making that decision. Here is a list of the pros and cons you must consider before taking the plunge.
- [The Monthly Checkout: June 2019](https://thephysicianphilosopher.com/the-monthly-checkout-june-2019/) - It's that time of month again. Here are this month's posts that you should checkout.
- [You Don't have to Wait to Live the Good Life](https://thephysicianphilosopher.com/good-life/) - Too many people spend their lives going through the motions. They wake up each day, live the same life, and go to sleep wondering if their is more to this life. What if I told you there was a crazy group of people who intentionally design their lives to live the good life now?
- [You Are Who You Hang Out With: Why it Matters](https://thephysicianphilosopher.com/average-of-five/) - Have you ever noticed that like minded people tend to congregate? Sometimes it even causes an echo chamber. The truth is, you are the average of the five people you hang out with most. This has major ramifications.
- [You Are The Average of these Five Doctors](https://thephysicianphilosopher.com/average-of-five-2/) - Who you hang out with matters...and not just because it determines how much fun you have. It may determine who and what you become.
- [You Are Strong: Don't Let Burnout Win](https://thephysicianphilosopher.com/you-are-strong/) - You were strong enough when you lost your autonomy for the first time along this journey to becoming a doctor. You were strong when your empathy began to fade. You are still strong enough today to fight this fight.
- [Will More Money Make Me Happier?](https://thephysicianphilosopher.com/will-more-money-make-me-happier/) - [et_pb_section fb_built=”1″ _builder_version=”3.22″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.14.8″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]I published a post discussing the most recent Medscape burnout & depression survey results for physicians. An interesting point of discussion was that many physicians felt that if they made more
- [Why You Should Wait to Buy the House (The Diderot Effect)](https://thephysicianphilosopher.com/diderot-effect/) - Are you one of the many doctors who struggle with the Diderot effect? In the 1700s a French Philosopher learned about keeping up with the Joneses the hard way. In fact, he was such an example that The Diderot Effect was named after him. Keep reading to find out if you struggle with it, too!
- [Why You Have Nothing to Lose, & Everything to Gain](https://thephysicianphilosopher.com/everything-to-gain/) - You spend hundreds of thousands of dollars on your education. Despite this, very few people invest in themselves outside of their education. You have nothing to lose & everything to gain.
- [Why You Drink/Eat/Work Too Much](https://thephysicianphilosopher.com/why-you-drink-eat-work-too-much/) - We all have a buffer that we use to avoid negative emotions and situations? Do you know what yours is? You’ll learn to figure it out in today’s podcast.
- [Why The Best Investors Are Good at Solitaire, Too](https://thephysicianphilosopher.com/the-best-investors/) - We all do it. We compare our lives to those around us. The same happens with money, but it often proves harmful. Come find out why personal finance is personal (and why it should stay that way).
- [Why Now is the Perfect Time to Start A Side Hustle](https://thephysicianphilosopher.com/why-now-is-the-perfect-time-to-start-a-side-hustle/) - Now is the perfect time for you to start a side hustle. If you don’t believe me, listen to Pete from Passive Income MD. He has all the reasons.
- [Why I Won't Quit Medicine](https://thephysicianphilosopher.com/why-i-wont-quit-medicine/) - Have you ever thought about leaving medicine? Have you realized that the hospital won't love you back? Tag along for today's post as we discuss why sometimes leaving medicine isn't the best answer.
- [Why I Wear My Scarlet Letter of Financial Mistakes](https://thephysicianphilosopher.com/scarlett-letter/) - What would the typical person who knows very little about personal finance think if they stumbled upon the personal finance blogging world? Would they feel welcomed...or shunned? How should we focus on having these conversations with others?
- [Why I Decided NOT to Become a Financial Advisor](https://thephysicianphilosopher.com/why-i-decided-not-to-become-a-financial-advisor/) - It's been a crazy roller-coaster of a ride. Gonna become a financial adivsor. Now I am not. Come read today's post where I discuss why I decided not to become a financial advisor.
- [Why Hospital Administrators Should Eat Last](https://thephysicianphilosopher.com/state-of-medicine/) - In the military, leaders eat last. They let their more junior soldiers get their meals first. The troops must eat! This isn't just a tradition. It is an intentional decision to build trust, loyalty, and a culture of pride. Medicine has a lot to learn from this...as you'll find out today.
- [Why FIRE Shouldn't Be Your Focus](https://thephysicianphilosopher.com/fire-without-re/) - I'm going to say something wildly unpopular... I'm not a fan of FIRE. At least not half of it. Come find out which half, and why.
- [Why Finding the Flow Might Be the Most Important Goal](https://thephysicianphilosopher.com/finding-the-flow/) - We all know the experience. We are working hard, sometimes without even realizing how much work is being put in. As we diligently take care of our task, we are immersed. At some point, our concentration is broken (maybe because the task is done), and we realize that hours have passed. You have just found the "flow," and I am here to tell you that it might be the most important goal we should have.
- [Why does the stock market go up?](https://thephysicianphilosopher.com/why-does-the-stock-market-go-up/) - We go back to basics in this week's Saturday Selection. The White Coat Investor shares foundational knowledge about the stock market to help grow your financial literacy.
- [Why Aren't Doctors Rich? Goldberg's Experiment](https://thephysicianphilosopher.com/why-arent-doctors-rich/) - [et_pb_section fb_built=”1″ _builder_version=”3.22″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.14.8″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]In the 1960’s, Lew Goldberg showed that a physician’s intuition and judgment can be fatally flawed. Interestingly, the same fatal flaw that was exposed by Goldberg is the same fatal flaw
- [Why are Doctors Burning Out? And 3 Ways FI Can Save Them](https://thephysicianphilosopher.com/fi-saves-medicine/) - Burnout has been a problem looming over the practice of medicine. It has many causes. We will discuss some of those causes and how financial independence directly counteracts some of them. This post ties in exactly why I see wealth and wellness as one big picture.
- [Who is The Physician Philosopher?](https://thephysicianphilosopher.com/who-is-the-physician-philosopher/) - I've been blogging for 15 months, and I guess it's time I officially introduce myself... My name is Jimmy Turner, and it's good to meet you! Tag along as we discuss the background, the big reveal, and the future direction of the blog.
- [Which Retirement Accounts Should I Use?  The Order of Investing](https://thephysicianphilosopher.com/waterfall-investing-where-should-i-save-my-money/) - Getting started is sometimes the most challenging part of a "set it and forget it" investing model. Which retirement accounts should you use? And, in what order? Today's post is here to help you out.
- [When Should a Doctor Get Disability Insurance?](https://thephysicianphilosopher.com/disability-insurance/) - I told him I needed life insurance. He said sure. He told me I needed disability insurance. I told him no (three times in fact). He asked if I was healthy, and I mentioned a couple of medical problems for which I get treatment. Eventually, though he sold me on the idea of going for it. "What could it hurt to try...." It hurt a lot.
- [When Personal Finance Isn't Personal: Brain Coupling & Mirroring](https://thephysicianphilosopher.com/brain-coupling-and-mirroring/) - [et_pb_section fb_built=”1″ _builder_version=”3.22″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.14.8″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]Child: “Why can’t I go? All of my friends are going.“ Parent: “Well, if your friend jumped off of a bridge, would you want to do that, too?” Child: “It depends
- [We're All One Phone Call From Our Knees](https://thephysicianphilosopher.com/suicide/) - When I was in residency, I found the truth in the saying, "We're All One Phone Call From Our Knees." This was probably the hardest moment of my life so far. There is a reason that I view wealth and wellness as intrinsically linked. Today, you'll find out why.
- [We Bought a $90,000 House. And Yes, We Moved In.](https://thephysicianphilosopher.com/we-bought-a-90000-house-and-yes-we-moved-in/) - We spent $90,000 on a house and we're in the process of moving into it. Why would we spend so little? And what can you get for $90,000, anyway?
- [TPP Net Worth Update: 6 Months Out](https://thephysicianphilosopher.com/net-worth-update-1/) - This is my first of (at least) quarterly TPP Net Worth updates. This will help hold me accountable, help provide transparency to my readers, and hopefully provide those coming behind me some proof that financial goals can be achieved in a way to make both the head and the heart happy!
- [Top 5 Money Lessons for Physicians](https://thephysicianphilosopher.com/money-lessons-for-doctors/) - Distilling personal finance into its most important topics can prove challenging. What are the top 5 money lessons you need to learn? Come find out.
- [Time is money, but money can't buy time](https://thephysicianphilosopher.com/time-is-money/) - Please, tell me I am not the only one who thinks like this? My monetary mindset currently revolves around our biggest (current) financial goal: Paying off our student loans. I hope that some day I can truly learn that Time is Money and that money is a means to an end. It's not an end in itself.
- [Three Ways Financial Independence Can Harm Us](https://thephysicianphilosopher.com/three-ways-financial-independence-can-harm-us/) - Anyone who reads this site knows that I am a big of a proponent of financial independence. However, too much of a good thing can be a bad thing. Today's post dives into just this topic as we explore how too much focus on financial independence can cause harm.
- [Three Ways Being American Causes Financial Failure](https://thephysicianphilosopher.com/american-exceptionalism/) - Let's bring you back to my roots as a philosophy major in college. Everything in philosophy is about "isms." Some of them are religious philosophies like Buddhism and Judaism, or pluralism versus monotheism. Others are political in nature like communism or fascism. Today we are going to talk about another "ism" that dramatically impacts our ability to build wealth and achieve early financial independence: American exceptionalism.
- [Three Ways "First, Do No Harm" Applies to Personal Finance](https://thephysicianphilosopher.com/first-do-no-harm/) - Early and often we are taught to advocate for our patients and "First, Do No Harm." What if I told you that the same principle applies to personal finance and, in particular, physician finance? It is your job to protect yourself from harm. Today we will discuss three key concepts in this arena.
- [Three Lessons the Dalai Lama taught the Doctor](https://thephysicianphilosopher.com/1465-2/) - As health care providers, we often feel like we have it all figured out. Yet, we get stuck in the rut and routine of our daily lives. Instead, we miss the present. The Dalai Lama is here to teach us what we are missing in three lessons from the Dalai Lama for the doctor and other health care workers.
- [There is Hope on The Road to Burnout: Will You Join Me?](https://thephysicianphilosopher.com/there-is-hope/) - There is an ongoing battle in medicine waged in the space between each physician's skull. This battle became very personal when I hit my own wall of burnout over the last six months. With a better perspective and new goals, I am doing my part to prevent this same burnout for our future doctors. Will you join me in this fight?
- [The Worst Money Decisions I Could Make](https://thephysicianphilosopher.com/7476-2/) - This Saturday Selection details some of the poor financial decisions made by Physician on Fire, and why he doesn’t regret them!
- [The ten financial independence milestones](https://thephysicianphilosopher.com/the-ten-financial-independence-milestones/) - [et_pb_section fb_built=”1″ _builder_version=”3.22″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.14.8″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]The Ten Financial Independence Milestones Though these milestones are listed in numerical order, they don’t have to happen that way. For example, you might accomplish number 5 before you accomplish number
- [The White Coat Investor's Financial Boot Camp Book Review](https://thephysicianphilosopher.com/the-white-coat-investors-financial-boot-camp-book-review/) - Jim Dahle over at WCI wrote an epic book only a few years ago. Yet, he felt the need to write another. What's that all about? Come find out in this review of his new book: Financial Boot Camp.
- [The Sixth Philosophy: If you fail to plan, you plan to fail](https://thephysicianphilosopher.com/the-sixth-philosophy-making-a-manifesto/) - Let's discuss the Sixth TPP Philosophy: making a financial plan! How do you expect to get there? What does this entail? What is the best product I've found to form a comprehensive (and affordable) financial plan? Read more...
- [The Second Philosophy: The One Month Rule](https://thephysicianphilosopher.com/second-decree-one-month-rule/) - We all know the feeling. You purchase something in a moment of brilliance that you have to buy. You think it's great. Surely, this new (insert: financed car/home, expensive clothes, computer, etc) is going to make you happy. It's the best thing since sliced bread. Then it hits.... buyer's remorse. Let the One Month Rule help you out next time.
- [The Road To Burnout Helped Me Find My Purpose](https://thephysicianphilosopher.com/my-purpose/) - We all know the story. The happy and forward looking medical student entering their first year, and the end result of the burned out and depressed doctor at the end. The road to hell is paved with good intentions. How did we get here? This is why I write.
- [The Real Secret To Financial Success](https://thephysicianphilosopher.com/contentment/) - It's like that recurring dream where you can't move. The harder we run, we just can't seem to catch up to anyone else. Often times, people in real life can feel this way when it comes to finances, because they don't know the real secret to financial success. This post should help.
- [The Power of Saying No: What Barry Sanders Taught Me](https://thephysicianphilosopher.com/the-power-of-saying-no/) - When my residency program asked me to help with a problem in the residency and didn't value my time, I realized the power of saying no. Come join the conversation as I get real with what determines my self-worth, Barry Sanders, saying no, and how I'll end my career after reaching FI.
- [The Power of Financial Freedom](https://thephysicianphilosopher.com/the-power-of-financial-freedom/) - Financial freedom is amazing. It holds so much power. Through passive income, you can have the freedom to enjoy you life without anything holding you back.
- [The Physician Philosopher Net Worth: 30 Months Out](https://thephysicianphilosopher.com/30-month-net-worth/) - The net worth updates continue as I outline where my family stands 2 and a half years after finishing training. I include our current assets, debts, when we will make $1 million in assets, and the age by which we should be financially independent.
- [The Physician Philosopher Joins the White Coat Investor Network](https://thephysicianphilosopher.com/white-coat-investor-network/) - The biggest moment of this blog happens today. The Physician Philosopher blog has joined the White Coat Investor network. If you are a first time reader, welcome. If you are a long-time reader, read more to find out what you can expect. Come find out how it all went down!
- [The Ninth Philosophy: DIY Personal Finance](https://thephysicianphilosopher.com/the-ninth-philosophy-how-to-stay-on-top-of-finances/) - I often ask people, "Do you think you are dumb enough, if you put just a little time in, to make 10 million dollars worth of mistakes?" The point I am trying to make is that, with just a little bit of do-it-your self personal finance education, you can be your own financial advisor. Today we will discuss exactly how to go about this!
- [The Most Important Thing About Investing](https://thephysicianphilosopher.com/pyschology-of-investing/) - There is a lot that you can learn about investing, and yet even the experts don't believe the "how to" portion is the most important thing you should learn about investing. What is it then? What is the most important determinant to your investing success? Keep reading to find out.
- [The Most Important Financial Decision You Will Ever Make](https://thephysicianphilosopher.com/the-most-important-financial-decision-you-will-ever-make/) - What matters most? The short term or the long term? Dr. Joshua White talks about the most important financial decision you’ll ever make. Keep on reading!
- [The Monthly Checkout: September 2018](https://thephysicianphilosopher.com/tmc-september-2018/) - Here is (last) month's monthly checkout. Come checkout some awesome wealth and wellness articles that are worth your time. I've done the hard work so that you don't have to. You're welcome.
- [The Monthly Checkout: October 2018](https://thephysicianphilosopher.com/the-monthly-checkout-october-2018/) - This is the monthly checkout October 2018. Do you know your cash burn rate? Are you a financial fake? What can fantasy football teach you about personal finance? All of these questions will be answered and more.
- [The Monthly Checkout: November 2018](https://thephysicianphilosopher.com/the-monthly-checkout-november-2018/) - This is The Monthly Checkout for November 2018. I do the hard work so that you don't have to.
- [The Monthly Checkout: May 2019](https://thephysicianphilosopher.com/monthly-checkout-may-2019/) - It's that time of the month. Tag along as I feature some of the best content on the internet! From moral injury to financial independence and cognitive biases, it's all covered! I even feature an awesome new brand and my favorite physician burnout blogger.
- [I am a Doctor and I Hate My Job: The Cure for Burnout](https://thephysicianphilosopher.com/i-am-a-doctor-and-i-hate-my-job/) - I typed in "I am a doctor and" into google, and was amazed to see the most popular ending to the question. Are you a doctor who hates their job?
- [The Monthly Checkout: July 2019](https://thephysicianphilosopher.com/the-monthly-checkout-july-2019/) - I share some big news today at the end of the monthly checkout. Before that, I share some awesome posts that are worth your time. From burnout to financial independence to the impact of the student loan crisis on women physicians. It's all in this month's monthly checkout.
- [The Monthly Checkout: February 2019](https://thephysicianphilosopher.com/the-monthly-checkout-february-2019/) - Tag along for February's monthly checkout where I feature posts from other sites that I've curated for you. Also, there is an update on a podcast I've been featured on, progress with the book, and more...
- [The Monthly Checkout: December 2019](https://thephysicianphilosopher.com/monthly-checkout-december19/) - [et_pb_section fb_built=”1″ _builder_version=”3.22″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.14.8″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]The Monthly Checkout: December 2019 Every month, I like to highlight some noteworthy posts that I’ve found. I pass them along to you so that you can enjoy them, too. The posts
- [The Mindset of the Wealthy](https://thephysicianphilosopher.com/the-mindset-of-the-wealthy/) - Wealthy people have a different mindset from poor people regarding earning, saving, spending, and investing. Luckily, you can change the way you think.
- [The Last Quarterly Net Worth Update: 2 Years Later](https://thephysicianphilosopher.com/the-last-quarterly-net-worth-update/) - Some of you have been here from the beginning. My family started at a net worth of negative $208,000 when we finished training. Where do we stand two years later? You'll have to read the post to find out.
- [The July Monthly Checkout: 2018](https://thephysicianphilosopher.com/the-monthly-checkout-july-2018/) - Each month I highlight some posts from other sites that I thought were particularly helpful reads. By way of curating the internet for these articles, I hope to save you some time in having to do so yourself.
- [The Importance of Finding Contentment Today](https://thephysicianphilosopher.com/content-with-today/) - In the journey to becoming doctors, we get used to the four year transition periods. There is always a next step. This produces a problem that leads to worse burnout, an inability to find contentment today.
- [The Guide to Guilt-Free Spending](https://thephysicianphilosopher.com/guilt-free-spending/) - Do you ever feel guilty later for a purchase you made? Maybe it was the car. Or the house. Or that fancy new bike, clothes, or purse. Regardless, there is an answer to guilt-free spending that involves spending MORE money on what you love. Read this post to find out more.
- [The Fear of Spending Money](https://thephysicianphilosopher.com/fear-of-spending-money/) - It's okay to stick to our guns, but sometimes being frugal can make spending money an anxiety provoking experience. Do I have the fear of spending money? We bought a house. Am I a hypocrite? Come take a walk through my mind.
- [The Doctrine of Charity](https://thephysicianphilosopher.com/the-doctrine-of-charity/) - [et_pb_section fb_built=”1″ _builder_version=”3.22″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.14.8″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]Did you know that most people turn into mind readers when they have been around someone for long enough? This ability to read minds is one of the most common reasons
- [The Code, Conflicts, and Client Interests](https://thephysicianphilosopher.com/the-code-conflicts-and-client-interests/) - Did you know that as of October 1st, 2019 all CFP's are required to act as a fiduciary? Ever wondered if your CFP was putting your needs (or the company's) first? Now, they have to tell you. Even Northwestern Mutual.
- [The Business Man and The Mexican Fisherman](https://thephysicianphilosopher.com/the-fisherman/) - It's easy to go through the motions. Life gets busy. Work is never ending. Is there a better way to look at life? Will you regret not having lived when it is all said and done?
- [The Best Alternative Investments With the Least Regret](https://thephysicianphilosopher.com/best-alternative-investments/) - A lot of time on this site is spent on personal finance, financial independence, and money. What if I told you that the best investments have nothing to do with any of those things? You might think I'm crazy, but you also might think I'm right.
- [Should You Manage Your Own Rental Properties?](https://thephysicianphilosopher.com/should-you-manage-your-own-rental-properties/) - The choice to manage your own rental properties can be a money-saver, but a time-suck. Take a look at the questions you should ask yourself when deciding.
- [Should I Invest or Pay Off Debt? A Case Study](https://thephysicianphilosopher.com/invest-or-pay-off-debt/) - Ever wondered if you should pay off your debt or invest? This case study could help. And, if it doesn't, the step-by-step guide at the end of the post definitely will. Check it out.
- [Retired Not Retired](https://thephysicianphilosopher.com/retired-not-retired/) - Ever think about retiring, but not truly giving everything up? Learn how Physician on FIRE defines his life as “retired not retired” in today’s Saturday Selection.
- [Residents & Fellows: Don’t Miss This Key Step Before You Graduate!](https://thephysicianphilosopher.com/residents-fellows-dont-miss-this-key-step-before-you-graduate/) - As many of you know, I had a really rough experience with an insurance salesman. I now can not get personal disability insurance because of that. Because of that, I want you to know more about it than I did. No better time to learn than right before graduation! Come take a peek.
- [Poverty in Older Generations: A History Lesson](https://thephysicianphilosopher.com/history-lesson/) - A recent WSJ article looked into the poverty in our older generation and their inability to retire. It's important to understand history or else we are doomed to repeat it. Come take a walk with me as we look at the reasons why they are unable to retire and how we can prevent this from happening to the current generations.
- [Physician, Know Thyself: A Self-Identity Crisis](https://thephysicianphilosopher.com/physician-know-thyself/) - It's easy to lose your identity to this profession. Yet, we must remember who and what we are before we have a self-identity crisis like the one Steve had when I was in medical school.
- [Physician Heal Thyself...And Why Doctors Don't](https://thephysicianphilosopher.com/physician-heal-thyself/) - Have you ever wondered where the phrase "Physician heal thyself" comes from? It might have a different meaning than you thought, and it certainly has a different meaning today.
- [Physician Finance Interview #10: Pediatrician Finds FI](https://thephysicianphilosopher.com/pfi-10/) - [et_pb_section fb_built=”1″ _builder_version=”3.22″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.14.8″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]This is Physician Finance Interview #10. You can find all of the other PFI posts here. As the interview has progressed, we have broadened the category of people being interviewed. Each
- [Physician Finance Interview # 13](https://thephysicianphilosopher.com/pfi-13/) - Today's PFI interviewee is a retired general surgeon who accumulated his wealth through a mix of securities, dividends, real estate, and much more. Come tag along as PFI #13 takes us on their money journey.
- [Physician Finance Interview # 1](https://thephysicianphilosopher.com/physician-finance-interview-1/) - Today's post is the first of what will be many Physician Finance Interviews where we ask doctors (and/or their significant others) questions about the debts, assets, and personal finance decisions. Come read about the successes, failures, and advice from other people who have walked in your shoes.
- [Philosophy and Finance Podcast: Social Arbitrage and Friends](https://thephysicianphilosopher.com/philosophy-and-finance-2/) - In Episode 2 of the Philosophy and Finance Podcast series, Justin Harvey and I discuss the topics of social arbitrage and how our friends impact our finances. The lesson? Choose your friends wisely. Come find out more.
- [Personal Finances are Personal: Invest or Pay Off Debt?](https://thephysicianphilosopher.com/personal-finances-debt/) - The best advice is specific to each person's situation. Come take a peak as I discuss two people's situations and how I gave opposite advice to each of them. Why would I do such a thing? Personal finances are personal.
- [Paying Yourself First - 6 Ways to Automate Your Financial Life](https://thephysicianphilosopher.com/pay-yourself-first/) - If you aren't automating your financial tasks, you are likely leaving money on the table. Learn 6 ways to pay yourself first, so that you can find efficient financial success.
- [Passive Real Estate Academy Review](https://thephysicianphilosopher.com/passive-real-estate-academy-review/) - Ever wanted to learn all about real estate investing? Pete at Passive Income MD’s investing course is the perfect place to get started.
- [Partner, Parent, or Physician?  A False Dilemma](https://thephysicianphilosopher.com/partner-parent-physician/) - Many of us in medicine feel compelled to choose between being a good partner/parent and a good physician. Do we really have to choose, though? Are there ways financial freedom can help us find better balance? Let this post help you out. Click here to keep reading.
- [Partial FIRE: The Solution to Your Problems?](https://thephysicianphilosopher.com/partial-fire/) - There has been a lot of focus on FIRE (Financial Independence Retire Early), but I am here to tell you that you can experience a lot of the benefit of FIRE before you get there. In fact, I'd argue FIRE can be detrimental to your life, and that partial FIRE could prove to be a better solution...it just might solve your problems.
- [The Tale of Two Doctors:  The First Paycheck](https://thephysicianphilosopher.com/tale-of-two-doctors/) - You've made it to your first attending pay check. Great! Now what? Is it really that important to start investing? Surely I can enjoy the big pay bump. Let this Tale of Two Doctors answer the question "What do I do with my first paycheck"? Come join Dr. Jones and Dr. EFI as they tell their tale.
- [My Life After FI: Lessons from Mariokart](https://thephysicianphilosopher.com/5-things-ill-retire-to-when-i-hit-my-number/) - The realization hit me the other day while reading the book A Doctor's Guide to Eliminating Debt. At the end, the book poses a great question: "What are you retiring to?" It talks about the finish line. So, I'd like to discuss five things that I'll do much more often when I cross my financial independence (FI) number, or life after financial independence.
- [Moderately Frugal: Wealth without Wellness](https://thephysicianphilosopher.com/moderately-frugal-wealth-without-wellness/) - Quite possibly, this should have been my first post. A significant portion of this blog is going to be focused on building wealth and my personal journey to get there. Being a philosophy major in undergrad, this begs the question: What is the purpose of obtaining wealth?
- [Moderate Minimalism: The Key to Living in the Moment](https://thephysicianphilosopher.com/moderate-minimalism-the-key-to-living-in-the-moment/) - Sometimes working harder does not produce better results. Or, maybe you've heard it said that "Less is more"? Either way, the modern life is full of distractions that prevent us from living in the moment. Moderate minimalism is the key to fixing that problem.
- [Making the Naysayers Shut Their Mouth](https://thephysicianphilosopher.com/you-cant/) - I still remember this conversation from the first year of medical school like it was yesterday. This was one of the first times in my life someone so profoundly told me "You can't" or "You won't" straight to my face.
- [Make Spending Money Music to Your Ears: Spending Equalizer](https://thephysicianphilosopher.com/equalizer/) - All things in moderation, right? That's not the tune that I am singing in this post. I want you to spend money. A lot of it. And I want you to do it guilt-free. It's all about dialing in that personal finance equalizer to make that spending music to our ears. Come find out in this post.
- [Live Now Or Save for Later: The Now or Later Fallacy](https://thephysicianphilosopher.com/now-or-later-fallacy/) - Should you save for tomorrow or live for today? It can be a challenging problem for many to figure out. Can we have our cake and eat it too?
- [Lifestyle Inflation After The First Big Paycheck](https://thephysicianphilosopher.com/first-attending-paycheck/) - This is a story familiar to us all. We watch (or anticipate watching) our paycheck jump in size after we finish training. We then make all of the lifestyle changes to accompany the big increase. This is the big dilemma. Today we will discuss a better way.
- [Joining a Cult: The Financial Independence Counterculture](https://thephysicianphilosopher.com/financial-independence-community/) - There is a strong current sweeping through the American culture. It is filled with the counterculture of the financial independence community. How is this community different from others? Why should you join it? Keep reading to find out.
- [It's Wrong for Doctors to Retire Early](https://thephysicianphilosopher.com/immoral-fi/) - Today's post strikes deep into the heart of the message on this site. Some people attack doctors who plan to achieve early financial independence and retire early. In fact, I've seen some people say that its wrong for doctors to retire early. Them is fighting words to me. Agree? Disagree? Come find out.
- [It's Never Too Late for New Year's Resolutions!](https://thephysicianphilosopher.com/blogging-personal-goals-for-2019/) - Most bloggers write their New Year's Resolutions right on or after New Year's Day. Not this guy. Tag along as we discuss my personal, financial, and website goals for 2019.
- [Is Being Frugal Worth it?](https://thephysicianphilosopher.com/drop-in-the-bucket/) - Making big financial decisions can be tough. Particularly during residency. Sometimes we want to take the big trip. Or buy the nicer car. Is being frugal really worth it?
- [Is an IRS Refund On Your Tax Return A Good Thing?](https://thephysicianphilosopher.com/irs-refunds-tax-returns/) - People love getting their big tax returns. It has even made news for those (for and against) the new tax bill. But is getting a tax refund a good thing? Read the post to see what I think, and how I recommend you figure it out to get it right.
- [Investing in What Matters Most: The Best Investments](https://thephysicianphilosopher.com/best-investments/) - [et_pb_section fb_built=”1″ _builder_version=”3.22″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.14.7″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]Much of the personal finance blogosphere directed at physicians spends time discussing spending money. And for good reason. Physicians have a spending problem. While I am all about educating people about
- [Individual & Group Disability Insurance: The Facts](https://thephysicianphilosopher.com/group-disability-insurance/) - Have you ever wondered if your group disability policy would be sufficient to cover you in the case of disability? Today's post can help you sort this issue out.
- [I Love My Job, But I am Burned Out](https://thephysicianphilosopher.com/i-am-burned-out/) - [et_pb_section fb_built=”1″ _builder_version=”3.22″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.14.7″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]I’ve written about physician burnout since The Physician Philosopher started in November of 2017. At the time, I was not burned out. In fact, I loved my job, and my work-life
- [10 Personal Finance YouTube Channels You Should Be Watching](https://thephysicianphilosopher.com/10-personal-finance-youtube/) - Do you find yourself caught into the never-ending vortex of YouTube. Well, make your time educational with these 10 personal finance YouTube channels!
- [11 SMART Financial Goals for Your New Years Resolutions](https://thephysicianphilosopher.com/smart-goals-new-years/) - Each New Year, many of us spend some time creating New Years resolutions. If you have trouble coming up with good financial goals, here are 11 SMART financial goals worth pursuing and how to go about creating them...
- [A Tale of 4 Single Primary Care Physicians](https://thephysicianphilosopher.com/a-tale-of-4-single-primary-care-physicians/) - Your finances as an unmarried individual filing taxes a single filer while earning significantly less than a specialist or a dual-income household will look a lot different. Read today's guest post to learn more.
- [Avoiding Buyers Remorse with Intentional Spending](https://thephysicianphilosopher.com/intentional-spending/) - We've all been there. We make a big purchase only to find out later... we regret the purchase. Buyers remorse is the real deal. Fortunately, there is a way to prevent this and spend money in a healthier and happier way.
- [5 Reasons Doctors Prefer Passive Real Estate Investing](https://thephysicianphilosopher.com/5-reasons-doctors-prefer-passive-real-estate-investing/) - Roughly 25% of physicians prefer directly owning rental properties (active) while the remaining 75% prefer investing in other people’s deals (passive). The thing is, many think you need to choose either one side and stick with it. The truth is, you can do both. I’ve maintained a hybrid approach investing in deals dependent on how much capital I have and what the opportunities are. Read today's guest post to learn more.
- [Disability Insurance: The Cost Of Waiting](https://thephysicianphilosopher.com/disability-insurance-the-cost-of-waiting/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”3.22″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row admin_label=”row” _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text admin_label=”Text” _builder_version=”3.27.4″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”]Editor’s Note from Jimmy: This article was written by Larry Keller at Physician Financial Services. Larry was the first sponsor on The Physician Philosopher and remains one to this day
- [End of Year Financial Checklist for High Earners](https://thephysicianphilosopher.com/financial-checklist/) - The end of the year can be a very busy time, which makes it easy to drop one of the many balls that are up in the air. Using this financial checklist for high income earners, your personal finances don't have to be one of the missed items this year!
- [10 Best Gifts for Doctors (Written By a Doctor)](https://thephysicianphilosopher.com/gifts-for-doctors/) - It's that time of the year where friends and family exchange gifts! If you are friends or family with a doctor, you might consider checking out this list of gifts to consider for your doctor friends. If you are a doctor yourself, you might consider sharing it!
- [6 Signs You May Have The Wrong Disability Insurance Policy](https://thephysicianphilosopher.com/wrong-disability-insurance/) - If you have disability insurance from Northwestern Mutual (or are considering it), this post is a must read. I'm often asked how doctors can know whether the disability insurance policy they have been offered (or already have) is any good. This comprehensive post goes a long way towards figuring that out. Break out your policy, and find out if you need to make a change!
- [From Frugal to Fancy to Buying a Peloton](https://thephysicianphilosopher.com/frugal-to-fancy/) - Would you believe that my wife and I bought a peloton? Are we crazy? Did we just join a cult? Come find out why I thought it was okay to go from frugal to fancy, and when you can do the same!
- [How to Get Rich: Curbing Spending on the Big 5](https://thephysicianphilosopher.com/how-to-get-rich/) - There is one simple reason why most physicians do not get rich early in their careers - the Big 5. Learn how to get rich by avoiding the Big 5 expenses until you are at a point that you can afford them.
- [I am Burned Out Now What? Causes and Solutions](https://thephysicianphilosopher.com/i-am-burned-out-now-what/) - [et_pb_section fb_built=”1″ _builder_version=”3.22″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.12.0″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″] In March of 1977, two 747 passenger planes collided on a runway. 583 people lost their life on Tenerife island that day. After the Tenerife investigation, it was determined that their
- [How to Use an Emergency Fund Without the Stress](https://thephysicianphilosopher.com/emergency-fund-stress/) - Let's be real. People talk about emergency funds all the time, but not how to use them. How do we go about using money we have saved (and don't like to touch) without overwhelming stress? Keep reading to find out.
- [How to Tell a Good Financial Advisor from the Rest](https://thephysicianphilosopher.com/conflicted-financial-advisors/) - [et_pb_section fb_built=”1″ _builder_version=”3.22″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.12.0″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″] In The Physician Philosopher’s Guide to Personal Finance, one of the chapters is on conflict of interest. Why? Because conflicted financial advice is one of the biggest reasons that physicians
- [How to access 401K early (before 59.5 & avoid 10% penalty)](https://thephysicianphilosopher.com/how-to-access-401k-before-59-5/) - He was planning to retire early at age 40 and didn't want to have to deal with the tax implications of getting money out of a 401K/403B prior to age 59.5 years old (10% penalty!). Let's discuss the options on how to access 401K before age 59 for those considering early retirement, and how to avoid the 10% penalty.
- [How the Framing Bias Impacts Your Financial Decisions (BFS #1)](https://thephysicianphilosopher.com/how-the-framing-bias-impacts-your-financial-decisions-bfs-1/) - Politicians, media, and advertisers use the framing effect every day to their advantage. Without you even knowing it. I am here to tell you that the bias imposed by the framing effect has a major impact on your financial decisions, too. Come learn how to stop doing dumb things with your money in the first post of the behavioral finance series (BFS #1).
- [How Should I Spend My Money? Our Key to Success](https://thephysicianphilosopher.com/how-should-i-spend-my-money/) - We all have tips and tricks for the things we do each day at work. Today we will discuss the major tool that my family uses to accomplish our financial goals. Hopefully, this will leave you with some tools to help you and yours get to your goals, too.
- [How Should I Save For My Kid's College?  Plus a 529 Plan Hack](https://thephysicianphilosopher.com/saving-for-college/) - Investing money for your kid's college education can be a tough choice. Should you do it at all? If you do, what's the best way? Are there any hacks for this sort of thing? All this and more in today's post.
- [How Should A Doctor Learn About Personal Finance?](https://thephysicianphilosopher.com/personal-finance-for-doctors/) - [et_pb_section fb_built=”1″ _builder_version=”3.22″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.12.0″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″] It is the time of year when freshly minted interns are about to be made, and graduating residents are about to become brand new attending physicians. So, I thought it
- [How Personal Fitness Can Shape Your Personal Finances (and Your Belly)](https://thephysicianphilosopher.com/working-out/) - I've found that the discipline that comes from workout out and regularly exercising spreads to other areas of my life including spiritual, financial, and even work related areas. Once you learn to be disciplined in one area, its contagious and spreads to others. Today's post discusses the intersection between personal finance and personal fitness.
- [How Locum Tenens Saved My Life](https://thephysicianphilosopher.com/locum-tenens/) - Locums tenens is something that many doctors don't think about, but it is a great solution to many of our problems. In this guest post, we hear about one doctors journey utilizing locums tenens to achieve life goals while being a practicing physician.
- [How I Paid Off My Student Loans: $200,000 in 19 Months](https://thephysicianphilosopher.com/how-we-paid-off-our-student-loans/) - It has been quite the journey to pay off our student loans, but we did it. Tag along as we discuss exactly how we achieved this goal (five months sooner than we anticipated).
- [Health Savings Account (HSA): Everything You Need to Know](https://thephysicianphilosopher.com/hsa/) - What is a Health Savings Account (HSA)? How is it diferrent than an FSA? Why does everyone talk about it? What expenses does an HSA cover? Should you use your HSA for that big procedure you just had? All that and more in today's post.
- [Hard Times Teach Us About Money](https://thephysicianphilosopher.com/covid-part-2/) - These hard times have taught us a lot about money. What can we cut? How long should our money last? It is tough to know, but it is something we must also consider...
- [Going Part-Time: Is it Worth it?](https://thephysicianphilosopher.com/partial-fire-2/) - The last 12 months have been some of the hardest of my life. This led me to ask for more time off from work. Was the time off worth it? What benefits and consequences came from this decision? Read on to find out.
- [Financial Mistakes For the Financially Literate](https://thephysicianphilosopher.com/continuing-financial-mistakes/) - I've never pretended to be perfect, which is why I think it's the right thing to do to air out some of the financial mistakes I still make today. Some are more recent than others, but the theme is the same. I struggle with financial discipline and decisions just as much as you. Read on to hear about some of my dirty financial laundry.
- [Financial Burdens and Physician Burnout](https://thephysicianphilosopher.com/financial-burdens/) - Let's get real for a minute. Our debt is a big burden in most of our lives. It limits our freedom, and our choices. Is there anything that we can do?
- [Doctors Aren't Burned Out, They are Morally Injured](https://thephysicianphilosopher.com/moral-injury/) - In philosophy, terms are important. They have connotations and meanings that dictate the conversation. Even when we have the term, we spend time defining them. And it is time we stop defining what is happening in medicine as "burn out" and start using the right term - moral injury.
- [Do You Suffer from Someday Syndrome?](https://thephysicianphilosopher.com/someday-syndrome/) - We all suffer from Someday Syndrome in one way or another. Someday, things will be better. Someday, I'll have this (or that). But, the truth is that we might live our entire life waiting for "someday" to come when what we needed was there in front of us the whole time...
- [Do I need a Financial Advisor? Four Reasons to Use a Financial Advisor](https://thephysicianphilosopher.com/reasons-to-use-a-financial-advisor/) - We all need help sometimes. But is it worth paying for it? Come see what I think about whether there are any reasons to use a financial advisor. If you've been following along, you might be surprised to see what I say.
- [Creating A Personal Finance Curriculum: 5 Questions](https://thephysicianphilosopher.com/personal-finance-curriculum/) - Over the last year, I've created a 10-week personal finance curriculum for the 4th year med students at Wake. If you've ever thought about doing something similar, here are 5 questions you should ask yourself before getting started.
- [Conflicts of Interest: Are You Getting Good Advice?](https://thephysicianphilosopher.com/conflicts-of-interest/) - All that many want is good financial advice, at a good price, for the least conflict of interest. That can't be too hard to find, right? Not if you know what you are looking for...
- [Confessions of an Ex-AUM Financial Advisor](https://thephysicianphilosopher.com/financial-advisor-confessions/) - Financial advisors can be paid in a number of different ways, and it can be difficult to know how yours is paid and how much if you don’t ask.
- [Comparison is the Thief of Joy](https://thephysicianphilosopher.com/thief-of-joy/) - Teddy Roosevelt famously said that "Comparison is the thief of joy." I'd argue that it not only steals your joy, it can steal your wealth, too. And cause burnout.
- [Coaching for the Burned Out Doctor](https://thephysicianphilosopher.com/physician-life-coaching-burnout/) - An article in JAMA 2019 showed that life coaching helped physicians decrease burnout and increase overall life satisfaction. Too good to be true, or a perfect solution to individual physician burnout? Read this to find out.
- [Choosing the Right Asset Allocation: Avoiding Analysis Paralysis (BFS #2)](https://thephysicianphilosopher.com/the-right-asset-allocation/) - Getting started is sometimes the toughest part about investing. How do we pick the right asset allocation? What IS the right asset allocation? Behavioral Finance has something to teach us about why limiting our choices, and making things simple, is often the best way to figure it all out.
- [Choose FI over FIRE](https://thephysicianphilosopher.com/fire-shouldnt-be-the-goal/) - FIRE is all the rage lately, but I often feel like it can prove unhealthy - particularly for those of us early in our careers. Come see why I think you should choose FI over FIRE.
- [Can Money Buy You Happiness?](https://thephysicianphilosopher.com/can-money-buy-happiness/) - Can money buy happiness? The short answer? It depends. The long answer is a whole lot more interesting. And it is all in this post.
- [Burnout Isn't Always Caused By Work](https://thephysicianphilosopher.com/graves-disease/) - My palms got sweaty. I started to have palpitations in my chest. And my emotions were out of control. For the first time in my life, I was having an anxiety attack. Suddenly, everything started making sense... including my burnout.
- [Burnout and Your Mindset](https://thephysicianphilosopher.com/guest-post/) - Burnout is a big problem that doctors face. Dr. Jordan Frey shares his experience with burnout in today’s guest post.
- [Attending Your Own Funeral: Thoughts on Finances and Legacies](https://thephysicianphilosopher.com/attending-your-own-funeral-thoughts-on-finances-and-legacies/) - After watching some of their interactions it became clear that something spectacular was happening. The patient was attending their own funeral. They were cognizant enough to have conversations with these people that clearly loved him. They shared memories and times together. What would you discuss if that happened?
- [Are You Ready to Become Financially Free?](https://thephysicianphilosopher.com/medical-degree-financially-free/) - Do you know whether to pay down debt or invest? Having trouble getting on the same financial page with your spouse? Have you tried (and failed) budgeting? It is time for a cash flow plan that helps you find your financial freedom. Here is how to do it!
- [Acts of Congress: The Impact of Coronavirus on Your Finances](https://thephysicianphilosopher.com/coronavirus-and-resident-physicians-proactive-steps-in-light-of-current-circumstances/) - [et_pb_section fb_built=”1″ _builder_version=”3.22″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.12.0″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″] Things have changed a lot in the financial world recently with multiple acts being passed in congress. If you are a resident, fellow, or early attending physician this post covers
- [A Lesson on Delayed Gratification](https://thephysicianphilosopher.com/delayed-gratification/) - We all know the feeling of wanting to buy something right now. It might be a house, car, clothes, new phone, or some other gadget. The truth is that impulse buys are usually unhelpful. Today is a lesson on delayed gratification.
- [A Book Review: The Doctor's Guide to Eliminating Debt](https://thephysicianphilosopher.com/a-book-review-the-doctors-guide-to-eliminating-debt/) - Little did Dr. Fawcett know, that book would lead him on a journey to pay off all of his debt in less than six years. This led him to write a guide specific for doctor's called The Doctor's Guide to Eliminating Debt. Today, I'll review Dr. Fawcett's book and tell you if I think it's worth the read.
- [9 Practical Tips to Find Contentment](https://thephysicianphilosopher.com/contentment-wealth/) - Life today can be exceptionally busy. We spend all of our time looking for contentment while the busyness often prevents our ability to find it. Here are 9 ways that I've found to be present in the moments that are most important.
- [9 Perks of Being a Side Hustle Business Owner](https://thephysicianphilosopher.com/side-hustle-benefits/) - Having a side hustle can seem daunting, but being a business owner does provide some very real tangible benefits. Have you ever considered starting your own business? Here are 8 benefits of owning a business that may help you take the leap.
- [5 Ways to Use Extra Cash Flow](https://thephysicianphilosopher.com/extra-cash-flow/) - One of the biggest steps towards true financial freedom is paying down debt. Yet, when you get there you might feel like a deer caught in the headlights. What will you do with the extra cash flow? Spend it? Save it? I'll tell you this, if you don't think about it, you won't do the right thing.
- [5 Virtual Assistant Services That Improve My Life](https://thephysicianphilosopher.com/virtual-assistant-services/) - [et_pb_section fb_built=”1″ _builder_version=”3.22″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.12.0″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]After running this blog for about 18 months, I came to the realization that things had to change. Between my family life with my full-time (and amazingly gifted) wife and our
- [5 Things You Need Know Before Making an Invention](https://thephysicianphilosopher.com/making-an-invention/) - The Physician Philosopher website is geared towards helping young medical professionals and trainees, I think it's useful to talk about ways to supplement our incomes. After all, this really helps us build wealth more quickly. This is often done through side hustles such as locum tenens work, medical malpractice reviews, incentives, and even making an invention!
- [5 Steps To Winning at Personal Finance](https://thephysicianphilosopher.com/personal-finance-puzzle/) - Unfortunately, many of us are left to figure out personal finance all on our own. Yet, there is a better way. And it starts with figuring out the puzzle one step at a time. Here are 5 of the most important steps.
- [5 Reasons to Pay Off Your Debt (Instead of Investing)](https://thephysicianphilosopher.com/pay-off-debt/) - Should I pay off my debt or invest? That's a tough question. Yet, I firmly fall into the debt pay off group much of the time. Am I just bad at math? Or is there more to it? Here are 5 reasons you should consider focusing on paying off your debt.
- [5 Reasons Investing in Individual Stocks is for Losers](https://thephysicianphilosopher.com/individual-stocks-losers-game/) - Many people have enjoyed the successes (and more often the failures) of investing in individual stocks. If you have ever wondered if you should invest in individual stocks, this post is for you. And, if you currently do this sort of thing, I might call you a loser in this post. Read it at your own peril.
- [5 Reasons I'm Not Joining the Drop Out Club](https://thephysicianphilosopher.com/drop-out-club/) - With all my talk of financial independence, I plan on dropping out of medicine as soon as I can. Right? Nope. Here are 5 reasons I don't plan on joining the drop out cub.
- [5 Money Myths That Explain Why Doctors Are Bad With Money](https://thephysicianphilosopher.com/why-are-doctors-bad-with-money/) - There are a lot of reasons why doctors make financial mistakes. Many of them - that I am going to spend some time disproving today - were caused by lies, myths, and otherwise untrue statements that are told to us. Today we will dispel four lies about money that are told to physicians, which prevent them from making the right choices.
- [5 Misconceptions About Teaching Personal Finance](https://thephysicianphilosopher.com/5-misconceptions-about-teaching-personal-finance/) - Teaching personal finance in training can be a touchy subject. While people mean well, they often bring with them misconceptions about teaching personal finance. These misconceptions prove problematic if we don't respond...
- [5 Financial Tasks to Boost Your Financial Health](https://thephysicianphilosopher.com/boost-financial-health/) - Going back to the basics is almost always a good thing. Are you taking care of these 5 essential financial tasks?
- [5 Attributes that Make You An Easy Financial Target](https://thephysicianphilosopher.com/financial-target/) - Today's post hopes to answer the following question: As doctors, why do we have a target painted on our back by financial professionals? Let's talk about five targets that doctors provide. Hopefully, through this discussion, you will be more aware of how and why people aim to steal a part of the pie that is rightly yours.
- [Should I Tithe Pre-tax or Post-tax (or at all)?](https://thephysicianphilosopher.com/tithing/) - Charitable giving and tithing can be a touchy subject. This website is not here to tell you what to do, but it is here to challenge you and to get you to make intentional financial decisions. That's just what this post on tithing does.
- [A FIRE-Minded Approach to Life Insurance](https://thephysicianphilosopher.com/a-fire-minded-approach-to-life-insurance/) - Editor's Note: I have very strong opinions on insurance after my own personal experience. That's why today I wanted to share with you this guest post from Physician's on Fire, because it is one of the few great ones out there on term life insurance advice. When you’ve got the goal of early financial independence (FI),
- [Why Creating Additional Income Streams is No Longer Optional](https://thephysicianphilosopher.com/why-creating-additional-income-streams-is-no-longer-optional/) - It's becoming more and more common to see people, regardless of their careers, lifestyles, or situations, working towards creating streams of income outside of their day job. I’m here to tell you why it’s no longer a fun hobby. Now, it’s a necessity.
- [4 Ways to Draw Lines in the Sand at Work](https://thephysicianphilosopher.com/setting-expectations/) - [et_pb_section fb_built=”1″ _builder_version=”3.22″ global_colors_info=”{}”][et_pb_row _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”3.27.4″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”] Over 50% of physicians will change jobs within two to five years after taking their first job. That’s a pretty staggering number. It is not surprising, though. While we can be dedicated and loyal employees, we
- [4 Ways Financial Independence Fights Burnout](https://thephysicianphilosopher.com/financial-independence-can-fight-burnout/) - Burnout has been in the news a lot lately. Maybe the big time media is finally catching on to what the rest of us have been talking about. It is now an official diagnosis, and TIME investigated how costly it is to medicine. We will explore all of that and outline 4 ways that financial independence can fight burnout.
- [3 Reasons Why You Can Take More Risk with a 529](https://thephysicianphilosopher.com/3-reasons-why-you-can-take-more-risk-with-a-529/) - Most people invest in their children's 529 accounts way too conservatively. You can be a lot more aggressive than you might at first suppose.
- [20 Point Financial Checklist for Doctors](https://thephysicianphilosopher.com/20-point-financial-checklist-for-doctors/) - Have you ever wanted a financial checklist to make sure you are starting off on the right foot? Well, this guest post written by a fee-only financial planner should point you in the right direction!
- [10 Reasons to Consider a Nonclinical Job to Defeat Burnout](https://thephysicianphilosopher.com/i-recommend-considering-a-nonclinical-job-to-prevent-and-combat-burnout-here-are-10-reasons-why/) - In today’s guest post, Dr. Sylvie Stacy, gives ten reasons why doctors should look for Nonclinical positions to help with burnout.
- [Why You Shouldn't Trust the Financial Industry](https://thephysicianphilosopher.com/financial-industry-trust/) - [et_pb_section fb_built=”1″ _builder_version=”3.22″ global_colors_info=”{}”][et_pb_row _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.9.7″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”] It doesn’t take long reading physician finance blogs (or really any personal finance blog) to realize that there isn’t a lot of love lost between bloggers and the financial industry. Without knowing the background, it might
- [Why Some Financial Advisory Models are Better Than Others](https://thephysicianphilosopher.com/financial-advisor-near-me/) - [et_pb_section fb_built=”1″ _builder_version=”3.22″ global_colors_info=”{}”][et_pb_row _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”3.27.4″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”] I was listening to one of the What’s Up Next podcasts (Episode 18). This particular episode featured four financial advisors. Interestingly, I know all four of them (and one of them is a recommended financial advisor
- [Why PSLF Will Work](https://thephysicianphilosopher.com/pslf-will-work/) - Many students I talk to are concerned that PSLF is going away. They've seen it in congressional acts and presidential budgets. In this guest post, a student loan expert (Travis Hornsby) walks us through why you should have a little trust. Come check it out.
- [When You Should Get Student Loan Help](https://thephysicianphilosopher.com/student-loan-help/) - I get emails all of the time (and in-person consults, too) about student loans. What should I do? Is this program right or is that one better? It can be a complicated mess, and sometimes we need to get help with our student loans. This post will help you figure out where you sit with your loans, and when and where to get help should you need it.
- [What is Physician Burnout?  You Aren't Alone](https://thephysicianphilosopher.com/what-is-physician-burnout/) - How much does burnout cost? What is the prevalence of burnout in our resident physicians? Am I burned out? We answer these questions and more in this classic post.
- [The Hospital Will Not Love You Back](https://thephysicianphilosopher.com/vagabond-guest-post-2/) - Have you ever felt resentful towards your job? Sick of the constant requirements, administrative tasks, and lack of autonomy? You might be feeling bitter, and Vagabond MD has written a guest post to help you figure it out.
- [The Do's and Don'ts of Physician Contract Reviews](https://thephysicianphilosopher.com/the-dos-and-donts-of-physician-contract-reviews/) - In today’s guest post you’re going to learn all about how to not get trapped in a bad contract. Make sure you’re in the contact that suits your needs!
- [Student Loan Refinance Ladder:    A Case Study](https://thephysicianphilosopher.com/student-loan-refinance-ladder/) - Knowledge is power, and when it comes to dealing with student loans, it seems like there is so much to learn! Come read about an awesome way to make the most of student loan refinancing through student loan refinance ladders!
- [Student Loan Forgiveness - PSLF, IDR, & Much More](https://thephysicianphilosopher.com/student-loan-forgiveness/) - Student loans can be forgiven in a variety of ways. Most people focus on Public Service Loan Forgiveness (PSLF), but this is not the only option for student loan forgiveness. This epic post explains all.
- [Student Loan Advice: 7 Rules of Thumb](https://thephysicianphilosopher.com/student-loan-advice/) - In a survey conducted by the American Psychological Association, it was determined that the number 1 cause of stress for most Americans is money. With the ever-burgeoning student loan crisis that is taking shape in this country, it is unsurprising that this is also true in the medical community. Here are 7 guiding rules to help you out.
- [So, you want to be a medical expert witness: Part 2](https://thephysicianphilosopher.com/medical-expert-witness-part-2/) - This is part 2 on medical expert witness work. Part 1 was featured on White Coat Investor. So, naturally, you should read both! Part 1 focused on how to get things started. Part 2 has more information one what to do (and not do) once you accept your first case.
- [REPAYE Versus PAYE for Two-Income Couples](https://thephysicianphilosopher.com/how-marriage-impacts-the-paye-versus-repaye-decision/) - REPAYE or PAYE? If you are married to someone else who earns an income, this can complicate which student loan program you should use to pay back your loans. If you are both paying back loans and making an income, it gets even more complicated! This post is here to help you figure it all out.
- [How to Pay Off Debt? The 3 Methods Explained](https://thephysicianphilosopher.com/pay-off-debt-avalanche-versus-snowball/) - Money is the number 1 cause of stress in America. Most often, this stress is caused by mortgage, student loan, and consumer debt. If you are wondering how to pay off your debt, this post will help.
- [How Should I Save For My Kid's College?  Plus a 529 Plan Hack](https://thephysicianphilosopher.com/how-should-i-save-for-my-kids-college-plus-a-529-plan-hack/) - Investing money for your kid's college education can be a tough choice. Should you do it at all? If you do, what's the best way? Are there any hacks for this sort of thing? All this and more in today's post.
- [Can I trust PSLF?  The PSLF Side Fund](https://thephysicianphilosopher.com/pslf-side-fund/) - A recent area in physician personal finance that has the same dilemma, which requires the Trust, But Verify method is PSLF (Public Service Loan Forgiveness). People often ask, "Can I trust PSLF?" My answer? Have a back-up plan. And trust, but verify. Let's dig in.
- [6 Disability Insurance Riders You MUST Have](https://thephysicianphilosopher.com/disability-insurance-2/) - Readers sometimes ask me if they have a good disability insurance policy. I would argue that you should start with this post and check if you have these 6 must-have features in your disability insurance policy...
- [Why VTSAX?](https://thephysicianphilosopher.com/why-vtsax/) - The Vanguard Total Stock Market Fund, ticker symbol VTSAX, gets a lot of attention and love from authors and investors alike. But why VTSAX? I’ll dig into what VTSAX actually is and how it’s performed while discussing what makes the “Vermont Saxophone” such a popular choice for do-it-yourself investors.
- [5 tax benefits of investing in a syndication](https://thephysicianphilosopher.com/5-tax-benefits-investing-in-a-syndication/) - Ah, tax season – the time of year almost no one enjoys. For doctors, it’s the time of year to realize just how much of their incomes are being given to their silent partner: good old Uncle Sam.
- [The Physician Philosopher Book: Get a Free Copy](https://thephysicianphilosopher.com/the-physician-philosopher-book/) - The Physician Philosopher Book publishes soon! Come find out how to snag a free copy. I want this book to be helpful for as many people as possible. So, share the details with your friends, too. Oh, and you won't believe who is writing the foreword!
- [How My Investing Changed After Financial Independence](https://thephysicianphilosopher.com/how-my-investing-changed-after-financial-independence/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”3.22″ global_colors_info=”{}”][et_pb_row admin_label=”row” _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”Text” _builder_version=”3.27.4″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”]Editor: I’ve changed up the way I’ve invested additional money. I’d like to share how and why my investing has changed. Originally posted on Physician on Fire. For the first decade or so of my
- [Why You Shouldn’t Trust the Financial Industry](https://thephysicianphilosopher.com/why-you-shouldnt-trust-the-financial-industry/) - Getting good financial advice can prove challenging. One reason? Trust. Here are are five reasons you should'nt trust the financial industry.
- [5 Steps To Winning at Personal Finance](https://thephysicianphilosopher.com/5-steps-to-winning-at-personal-finance/) - Money can be tough. But htere are ways to make sure you are winning at personal finance. Here are your first five steps on your journey to wealth.
- [The Physician Philosopher Manifesto: A Journey to Wealth](https://thephysicianphilosopher.com/the-physician-philosopher-manifesto-a-journey-to-wealth/) - Throughout the first thirty years of my existence I did not learn a thing about personal finance from just about anyone. Not my parents. Not my grandparents. Certainly not my medical school. I had to learn it on my own, which I found to be very frustrating. In fact, my journey started when I noticed a book (Boglehead's Guide to Investing) sitting on my friend's coffee table.
- [Why I Adopted The "Hell Yes" Policy](https://thephysicianphilosopher.com/done-explaining-myself/) - The time has come. I am done explaining to others why I refuse to let being a physician define me. Burnout has made me choose life.
- [The Bogleheads’ Guide to the Three-Fund Portfolio](https://thephysicianphilosopher.com/the-bogleheads-guide-to-the-three-fund-portfolio/) - The Bogleheads' Guide to the Three-Fund Portfolio teaches a simple and effective way to invest so you can move on with your life.
- [Top 5 Financial Priorities for an Early Career Physician](https://thephysicianphilosopher.com/top-5-financial-priorities-for-an-early-career-physician/) - An early career physician has a lot going on and doesn't need to get everything just right, but there are a few financial priorities that should be recognized.
- [Three Keys to Starting a Physician-run Business](https://thephysicianphilosopher.com/three-keys-to-starting-a-physician-run-business/) - Here are three very important keys to keep in mind when starting your business.
- [The Value of Patience](https://thephysicianphilosopher.com/the-value-of-patience-2/) - While a doctor's most important wealth-building tool is their income, and the more of that you can siphon off from your lifestyle in order to build wealth, and the longer you can do that, the better off you'll be. And the key to all of this is patience. Learn how having just a little more patience can help you reach physician freedom.
- [How Early Retirement Prepared Us for the Pandemic](https://thephysicianphilosopher.com/how-early-retirement-prepared-us-for-the-pandemic/) - I often talk about how one of the ways to start practicing medicine because you want to and not because you have to it by reaching financial independence. In today's guest post, Physicians on FIRE explains how this idea also prepared their for the pandemic in ways they never could have imagined.
- [The 5 Most Important Money Lessons I Give My Residents](https://thephysicianphilosopher.com/the-5-most-important-money-lessons-i-give-my-residents/) - How to avoid costly financial mistakes and ultimately go through life with less weight on your shoulders after residency. Here is some of the best advice I can give any resident.
- [How I Lost 10 Pounds in 24 Days (and What That Has To Do With Personal Finance)](https://thephysicianphilosopher.com/how-i-lost-10-pounds/) - In an effort to avoid the "Dad bod," I decided to lose some weight. Read how the Physician on Fire lost 10 pounds in 24 days and what that has to do with personal finance.
- [The Value of Patience](https://thephysicianphilosopher.com/the-value-of-patience/) - Impatience is a disease that keeps high-income professionals stressed about finances and running on the treadmill to keep up with their lifestyle. Show some patience and you'll have all the stuff you desire including financial independence.
- [4 Huge Benefits of Having a Virtual Assistant](https://thephysicianphilosopher.com/4-huge-benefits-of-having-a-virtual-assistant/) - Virtual assistants are a fantastic way to reduce your workload while simultaneously growing your practice or business. Learn exactly how an assistant can reduce your stress and increase efficiency.
- [The Dave Ramsey Asset Allocation](https://thephysicianphilosopher.com/the-dave-ramsey-asset-allocation/) - Should you follow Dave Ramsey's recommended asset allocation for your portfolio? Come read how the WCI thinks you should decipher if this is right for physicians.
- [How do I Choose the Right Mutual Fund?](https://thephysicianphilosopher.com/choosing-the-right-mutual-fund/) - The first investing decision many physicians make happens when a 401K or 403B form is slid across the table at our first job. Suddenly, your heart races as you see over 30 funds to choose from. How in the world do you decide? That's what today's post is all about.
- [How Do Financial Advisors Get Paid? A Financial Planner's Perspective](https://thephysicianphilosopher.com/how-do-financial-advisors-get-paid/) - When someone asks "How does my financial advisor get paid" it should be a relatively easy question to answer and understand. Unfortunately, that's not the case much of the time. Fortunately, this post will not only answer that, but provide you an awesome chart to see exactly where conflicts of interest exist in all of the most common financial advisory models!
- [How a Productivity System Can Decrease Burnout](https://thephysicianphilosopher.com/personal-productivity/) - Everyday it seems like there aren't enough hours in the day to get everything done that requires our attention. What if I told you that there was a systematic solution to this problem? And you could start fixing it today?
- [Your Fear of Loss Impacts Your Finances](https://thephysicianphilosopher.com/loss-aversion/) - Why are you more likely to go to the gym after buying a membership? Why can't you sell that car at a loss, even if it is what is best? Why do we buy insurance products on everything? Because you are afraid of loss, and it might be killing your finances.
- [You Are Strong: Don't Let Burnout Win](https://thephysicianphilosopher.com/you-are-strong-dont-let-burnout-win/) - You were strong enough when you lost your autonomy for the first time along this journey to becoming a doctor. You were strong when your empathy began to fade. You are still strong enough today to fight this fight.
- [Will I be able to retire? The Mice and Money Model](https://thephysicianphilosopher.com/mice-money-model/) - Mouse is a self-described husband (to a doctor), father, engineer, and finance blogger. He builds awesome money models to predict the chances people have at successfully reaching their goals. Today, we will see Mouse's model for me and answer the pen-ultimate question: Will I be able to retire?
- [Why You Should Consider Investing in Berkshire Hathaway](https://thephysicianphilosopher.com/berkshire-hathaway/) - I am a big fan of investing in index funds. Anyone who has read this blog for the last two years knows that. Yet, there is one individual stock that interests me more than any other. I could have written this post, but I didn't. Check out what Physician on FIRE has to say in this Saturday Selection about Berkshire Hathaway.
- [Why My Broke Side Hustle is Better Than Your Main Hustle](https://thephysicianphilosopher.com/satisfaction-from-side-hustles/) - People often focus on the monetary aspect of side hustles. However, it's not all about the money. You can find satisfaction from side hustles in other ways. I'll walk you through five reasons you should pursue your side hustle even if it might not make money.
- [Why I Adopted The "Hell Yes" Policy](https://thephysicianphilosopher.com/why-i-adopted-the-hell-yes-policy/) - The time has come. I am done explaining to others why I refuse to let being a physician define me. Burnout has made me choose life.
- [Why Doctors Lack Empathy: A War Story](https://thephysicianphilosopher.com/intubating-at-the-beach/) - We all have our war stories. Come tag along as I share one of mine and how it made me realize that medicine has impacted my ability to process my emotions. When I should have felt like a hero, I felt nothing at all.
- [Why Chasing Returns is a Sure Way to Lose: A Lesson From History](https://thephysicianphilosopher.com/why-chasing-returns-is-a-sure-way-to-lose-a-lesson-from-history/) - If you aren’t familiar with the history of the CGM Fund you’re going to learn all about it’s rise and fall. You’ll also learn why chasing returns is a sure way to lose.
- [When is the right time to buy the next house?](https://thephysicianphilosopher.com/next-house/) - Our networth exploded this year because we have been living on 20% of our income, which was only possible because we didn't buy a house. In fact, the more that I think about it, the more I realize that buying a house after residency is likely the number one reason physicians take so long to reach financial independence, if they reach it at all. Today's post discusses our thought process.
- [When Helping Hurts: Medical Mission Work](https://thephysicianphilosopher.com/does-mission-work-help/) - What is your view of medical mission work? Is it all helpful? Does some of it hurt the community we are attempting to serve? What does effective mission work look like? Today we will discuss this and discuss when helping hurts!
- [When Can I Loosen the Purse Strings on Expensive Items?](https://thephysicianphilosopher.com/loosen-the-purse-strings/) - When you join the personal finance community and start seeking financial independence, frugality becomes second nature. This can make spending tough. When is it okay to loosen the purse strings and enjoy some of your hard work? After you read this post, you'll have some handy guidelines...
- [What is the Best Asset Allocation for Retirement?](https://thephysicianphilosopher.com/best-allocation-for-retirement/) - Accumulating a decent savings isn't actually the hard part... the hard part is keeping enough of it around to last during retirement. Will you fall to sequence of return risk? Or will you be prepared with the best asset allocation?
- [What if your Financial Goals don't agree with your Life Goals?](https://thephysicianphilosopher.com/life-goals-meet-financial-goals-now-play-nice/) - The sister of one of my best friends went off the deep end in college. We will call her Trinity. She got caught up in the wrong crowd, made some bad decisions, and ended up dropping out of college. The direction that Trinity ended up going was really distressing to her parents. The crazy part? They blamed it on the college that she attended. This is a lesson in making sure our life goals play nice with our financial goals.
- [What COVID Taught Me About Money](https://thephysicianphilosopher.com/what-covid-taught-me-about-money/) - COVID has had a profound impact both in and outside of medicine, including in the financial world. Here is what COVID has taught me about money...
- [We want prenup! We want prenup!](https://thephysicianphilosopher.com/we-want-prenup/) - Should you get a prenup? That's an important question to consider. Let the White Coat Investor help you out.
- [Using Your Investment Philosophy to Pay Off Debt Faster](https://thephysicianphilosopher.com/1687-2/) - When your life goals have you pinned up against the wall, it's time to fight back. Today, I talk about how I fought back to achieve both my investment goals and my goal to destroy my debt. With a fixed timeline to get my little girl to a different school by 2019, I had to become a little more intentional about paying off debt faster.
- [TPP Blogging Manifesto: Part 1 My Background](https://thephysicianphilosopher.com/tpp-blogging-manifesto/) - In recent news, FIRE bloggers have been charged with creating a manifesto to describe their background and means for financial independence and early retirement. In Part 1 of the TPP Blogging Manifesto, I plan to lay out exactly what my financial beginnings looked like. Come step inside my head a bit & get to know me.
- [TPP Blogging Manifesto-Part 2](https://thephysicianphilosopher.com/tpp-blogging-manifesto-part-2/) - If you made it through Part 1 (My background), congratulations. That was probably not what you expected to read, but I bet the rest of this post will be. FIRE bloggers have been charged to come clean, and so here it goes! The TPP Blogging Manifesto. Part 2: Coming clean.
- [Three Reasons People Don't Care About Wellness (& Why They're Wrong)](https://thephysicianphilosopher.com/three-reasons-no-one-cares-wellness/) - Some people just don't get it. They think talking about burnout, physician suicide, and wellness is unnecessary and soft. Let's look at three of the biggest reasons why some people don't care about wellness, and why they're wrong.
- [The Tenth Philosophy: TMF Personal Finance Calendar](https://thephysicianphilosopher.com/the-tenth-philosophy-the-moderately-frugal-calendar/) - Ever wondered if there are certain months where specific financial tasks should be completed? Ever forget a deadline because you forgot to write it down? How often should you rebalance your assets? The Moderately Frugal Personal Finance Calendar aims to answer this, and much more.
- [The Seventh Philosophy: The Platonic Creed](https://thephysicianphilosopher.com/the-seventh-philosophy-teaching-others/) - For those of us who have "seen the light" and realized that the financial shadows that dance on the wall are created by the industrial machine that want us to believe the personal finance is too hard to do ourselves. Once we are freed to realize that it is not as difficult as it used to seem, it is our responsibility to go back and to free the other prisoners. This is the Seventh Philosophy: A Responsibility to Teach
- [The Physician Philosopher Portfolio](https://thephysicianphilosopher.com/tpp-portfolio/) - [et_pb_section fb_built=”1″ _builder_version=”3.22″][et_pb_row _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_text _builder_version=”3.27.4″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”] As part of this website I plan to follow my success in increasing my net worth and gaining ground towards becoming financially independent. I want to be as transparent as I can to allow people to see how this can
- [The Physician Philosopher Blog: Two Years Later](https://thephysicianphilosopher.com/physician-philosopher-update-2/) - The Physician Philosopher blog has come a long way since it's inception in November 2017! If you want the details, you have to read the post.
- [The Monthly Checkout:  March 2019](https://thephysicianphilosopher.com/the-monthly-checkout-march-2019-2/) - It's that time of the month again! Come check out some amazing posts that I've curated for you. From comprehensive guides to disability insurance to physician wellness topics, we cover a lot of ground. All in The Monthly Checkout for March!
- [The Monthly Checkout: Belated Thanksgiving Edition](https://thephysicianphilosopher.com/the-monthly-checkout-thanksgiving-edition/) - From personal finance topics to those on burnout, this month's monthly checkout is a Belated Thanksgiving Edition. Also, don't miss the update at the end of the post... it hasn't been all rainbows and unicorns at The Physician Philosopher this year.
- [The Monthly Checkout: April 2019](https://thephysicianphilosopher.com/the-monthly-checkout-april-2019/) - It's that time of the month again! Join in as I curate some of the best content out there. It is called a checkout, because you are supposed to read the posts I share. Now, come do your job! (Please!)
- [The June Monthly Checkout: June 15th, 2018](https://thephysicianphilosopher.com/the-june-monthly-checkout-2018/) - In medicine, we have to handover care to the medical providers coming behind us. Just like we run the list to "check out" on the patients we are taking care of, we will run a list of articles I think are worth your time to read. Today, we will discuss The June Monthly Checkout.
- [The Greatest Wrinkle in Time: Blinded By the Lights](https://thephysicianphilosopher.com/blinded-by-the-lights/) - We've all been in the tunnel. It's dark and dreary. There never seems to be an end to it. So, we just keep on walking; hoping at some point to see the light. The anticipated light can be so bright, it can prevent us from being here and now. Don't become blinded by the lights.
- [The Great Divorce: The bank, the bedroom, and raising children](https://thephysicianphilosopher.com/the-great-divorce-the-bedroom-the-bank-and-raising-children/) - Today we discuss some sage advice that I was given before I got married on three of the biggest causes of divorce. A touchy subject to be sure, but one that influences both your wealth and wellness more than just about anything. Come join the conversation as we discuss a tough topic.
- [The Fourth Philosophy: Make Investing Exciting!](https://thephysicianphilosopher.com/exciting-investing/) - The reason that The Fourth Philosophy is so important is that it encourages us to stick to the method that we know works and to recognize that the excitement involved is in the profits we know we are likely to make over the next 10, 20, or 30 years. This is how we make investing exciting!
- [The Fifth Philosophy: How to Slay a Bear Market](https://thephysicianphilosopher.com/slaying-the-bear-market/) - Could you stomach watching $500,000 turn into $250,000 over the course of months, or lose $100,000 in one week? A Bear Market is not the time to find out who you are in terms of your ability to withstand corrections and recessions. You need to have a plan to slay the bear market before it comes!
- [The day my professional identity tasted like Humble Pie](https://thephysicianphilosopher.com/i-thought-it-was-just-a-sandwich-nope-just-humble-pie/) - Right then, I realized I had made a big mistake by not taking a stand on this one, and not even realizing I should have... I deserved what was coming... my resident read me the riot act. "You know that not having your professional identity recognized is one of the biggest causes of burnout, right..."
- [The Cost of Preventing Burnout](https://thephysicianphilosopher.com/wellness-worth-cost/) - Burnout is costly. Yet, preventing burnout can also cost a lot of money. Would it be worth it for hospitals to chase after this goal?
- [The 100th Post:  Traffic, Guest Posts, and Much More](https://thephysicianphilosopher.com/100th-post/) - I have posted three posts every week for 100 straight posts. This has occurred since the blog started at the very end of November 2017. Today's post will break away a little bit from our typical content covering wealth building, financial independence, and wealth building topics to follow the progress of both this site. It'll be fun to look back a few years from now and see where we were at this point. We will discuss traffic, my most popular posts, and much more.
- [State of the blog (6 Months Later).  Traffic, Profit, and much more](https://thephysicianphilosopher.com/state-of-tpp-website-6-months-later/) - Today, we will try and be as objective as possible as I share the numbers for traffic, referral sources, revenue, etc. I started this website at the very end of November 2017. This is the first state of the blog.
- [Slow Travel in Guanajuato Mexico](https://thephysicianphilosopher.com/slow-travel/) - Slow travel is an art. And this post sets a great example. So, if you've ever considered the idea, come find out what it looks like!
- [Sizzlin' or Fizzlin'? Learning how to live in the moment](https://thephysicianphilosopher.com/1681-2/) - Moments like this have a way of waking us up from our daily routine. The daily hustle we all perform everyday can make our mind numb. We just start going through the actions. As Americans, we have a hard time learning to live in the moment. Have you checked to see if you are fizzlin' or sizzlin' recently?
- [Should I Sell When the Market is Low?  Dealing with the Bear Market](https://thephysicianphilosopher.com/bear-market/) - Market downturns and bear markets scare people witless. The reason behind the fear is just as interesting as what to do about it. Come learn why you get scared, and how to deal with that fear. This may be the advice that keeps your financial life on track.
- [Should I Invest Pre-Tax or Roth for my 401k?](https://thephysicianphilosopher.com/pre-tax-versus-roth-403b-401k/) - If you are reading this site, then you have likely come across other websites geared towards high income earners. The vast majority of them will tell you to invest your 401k/403b money in a traditional (pre-tax) manner. The reasons for this are many, but let me lay out the opponents argument before I tell you why I prefer a ROTH contribution to my 403B:
- [Should I do research?  Five commonly asked questions](https://thephysicianphilosopher.com/should-i-do-research/) - Given that I had the experience of thinking research was pretty worthless and then transitioned to "seeing the light," I wanted to spend some time answering five questions that medical students often ask me regarding research:
- [Roth or Traditional 401(k): Which is Best for You?](https://thephysicianphilosopher.com/roth-or-traditional-401k-which-is-best-for-you/) - Roth or a Traditional 401(k)? Which one is better for you? Check out the key factors of each option to see what suits your needs!
- [Quarterly Net Worth Update: 21 Months Out From Training](https://thephysicianphilosopher.com/net-worth-update-21-months/) - In this second to last net worth update, I give everyone an idea of our financial picture. This is the nitty gritty details of our triumphs and failures. Follow along, if you dare.
- [Quarterly Net Worth Update: 18 Months Out From Training](https://thephysicianphilosopher.com/quarterly-net-worth-update-18-months-out-from-training/) - Come check out the fifth installment of the quarterly net worth update. We are 18 months out from training, and have one MAJOR accomplishment to announce. Don't miss out on examining how we have obtained our goals. Hopefully, this will help you obtain yours as well!
- [Quarterly Net Worth Update #4: 15 months Out](https://thephysicianphilosopher.com/net-worth-update-four/) - This is the Quarterly Networth Update #4. Today we will discuss where my family is 15 months out from training. Have our decisions led to progress or failure? Come find out.
- [Private School During the Pandemic: Visiting an Old Debate](https://thephysicianphilosopher.com/private-school-pandemic/) - The age old debate of private versus public school has taken on a new wrinkle during this pandemic. Many private schools are providing in-person teaching while public schools are not. Does this new wrinkle make it worth it? How will you pay? Keep reading to find out.
- [Physician Philosopher Net Worth Update: 33 Months Out From Training](https://thephysicianphilosopher.com/net_worth_update_33months/) - Here is the latest installment of our net worth. It is quite a doozy! Like everyone else, the market made us take a hit. How big of a hit was it? Read the post to find out.
- [Physician Philosopher Net Worth Update: 27 Months](https://thephysicianphilosopher.com/27-month-net-worth/) - Hell must have frozen over, because the the quarterly net worth series continues after much support. Come find out where the Physician Philosopher net worth sits 27 months out from training.
- [Pay off my student loans or invest?](https://thephysicianphilosopher.com/student-loans-or-invest/) - Sometimes the head and the heart just can't agree. Paying off debt provides more peace of mind than making more in the market investing. The math doesn't make sense, but what is the point of wealth if you aren't content? What does your head and heart think/feel?
- [Patient Perspectives #1:  Financial Independence and Multiple Sclerosis](https://thephysicianphilosopher.com/patient-perspectives-kate/) - This is a guest post by Kate. Kate is a nurse practitioner, financial independence junkie, travel fanatic, and homeschool mom. She blogs at On Our Way World. We have no financial relationship at this time. I hope to introduce this is as the first of many "Patient Perspectives" presented on this web site. Take it away, Kate!
- [One Year Blog Anniversary: State of the Blog](https://thephysicianphilosopher.com/one-year-blog-anniversary/) - It's that time: The time where we take a look back on the past year and how the website has done. We will also discuss the future direction of the blog and what it is like writing in the physician finance blogging world.
- [Net Worth Update #10: Three Years Later](https://thephysicianphilosopher.com/net-worth-3-years/) - Here is the hotly anticipated net worth update. How does The Physician Philosopher net worth look 3 years after fellowship? Keep reading to find out.
- [My Worst Financial Decisions of 2019](https://thephysicianphilosopher.com/my-worst-financial-decisions-of-2019/) - Making bad financial decisions is easier than we care to admit. Check out the worst financial decisions of 2019 so you don't make the same mistakes in 2020.
- [My "Why" is also my best return on investment](https://thephysicianphilosopher.com/my-best-return-on-investment/) - This investment has provided the highest return on investment and biggest annual interest growth. It is what keeps me in the market and sticking to the plan. In fact, it is my "why" behind much of the plan in the first place. What is your why? Come read about mine.
- [Maybe You're Not Passionate Enough?  Passion Projects: Making Time](https://thephysicianphilosopher.com/productive-passion-projects-how-to-crush-it/) - Side hustles can take up a lot of time. But when your side hustles turn into passion projects, the time seems to be worth it. That doesn't solve the problem of putting more hours into the day, though. Come tag along as we answer the question: how do you make time for passion projects?
- [Mainstream Media Misses the Mark on the FIRE Movement](https://thephysicianphilosopher.com/mainstream-media-misses-the-mark-on-the-fire-movement/) - The concept of FIRE Is a hotly debated one. One failure is that mainstream media does a poor job of doing it any justice. Tune in with Physician on FIRE to find out why!
- [Low Income Doctor in a High Cost of Living Area](https://thephysicianphilosopher.com/low-income-doctor-in-a-high-cost-of-living-area/) - It's not impossible to reach financial security as a low-income doc in a high COLA but success is surely more difficult. These tips will help you achieve it.
- [Lessons Driving an $800 Car Can Teach Your Kid](https://thephysicianphilosopher.com/lessons-driving-an-800-car-can-teach-your-kid/) - Driving a cheap, old car can teach important financial lessons to a teenager. We could have bought brand new but what message would that have sent?
- [Lazy Workers are Bad; Lazy Portfolios Are Great](https://thephysicianphilosopher.com/lazy-portfolio/) - Being lazy while practicing medicine doesn't likely lead to the results you want. However, being lazy in the market is ideal. Here are five lazy portfolios that will provide great success, including the one I prescribe to (The Physician Philosopher Five Fund Portfolio). Come see why lazy is best.
- [It's (not) all about the Benjamins: Remember Why](https://thephysicianphilosopher.com/dont-leave-memories-table-memories-last/) - The more and the faster you get into the market, the more that magical compound interest will do for you. I am a proponent of this theory. Yet, what I want to focus on today is "not leaving memories on the table." It's not all about the Benjamins. .
- [Is Real Estate Crowdfunding in Trouble?](https://thephysicianphilosopher.com/real-estate-crowdfunding/) - [et_pb_section fb_built=”1″ _builder_version=”3.22″][et_pb_row _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_text _builder_version=”3.27.4″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” custom_padding=”||18px|||”] Peter over at Passive Income MD has become a go-to source on real estate investing. In particular, he possesses a great deal of knowledge regarding real estate syndications. In today’s post, he discusses some of the recent concerns in
- [Is Becoming a Real Estate Professional Right For You?](https://thephysicianphilosopher.com/real-estate-pro/) - Is gaining professional status within real estate right for you? Find out if the tax benefits of being a real estate professional could be worth it!
- [Investing in turn key real estate](https://thephysicianphilosopher.com/turn-key-real-estate/) - [et_pb_section fb_built=”1″ _builder_version=”3.22″][et_pb_row _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_text _builder_version=”3.27.4″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”] We can get to “our number” through investing in order to get to financial independence. Or we can get there by creating passive inome. While I enjoy the hybrid model between the two approaches, today we will focus on the
- [Introducing The Monthly Checkout](https://thephysicianphilosopher.com/tpp-monthly-checkout/) - In medicine, we have to handover care to the physicians coming behind us. At least, for those of us that do shift work that is true. Just like we run the list to check out on the patients we are taking care of, we will run a list of articles I think you should read. So, this will be the first of many Monthly Checkouts where I hand select articles that I really think are worth checking out to you.
- [In Defense of Earned Income](https://thephysicianphilosopher.com/in-defense-of-earned-income/) - Today we're celebrating earned or active income. That's right, your daily job. It's likely to play the largest role in your plan to build wealth.
- [Imposter Syndrome, Duning-Kruger Effect, and Attending Land Mines](https://thephysicianphilosopher.com/imposter-syndrome-duning-kruger/) - Have you ever felt that impending doom of being seen as a failure? If you have any humility about yourself, the answer is probably yes. It's called "imposter syndrome." The prescription? Avoid the Duning-Kruger effect. Want to know what that is and how to avoid it? Just keep reading.
- [I Hate Budgeting (or Why I Use a Cash Flow Plan)](https://thephysicianphilosopher.com/i-hate-budgeting/) - I absolutely HATE budgeting. I've never liked it. Never will. Fortunately, there are other options to find financial success. I talk about my favorite - the cash flow plan - and its benefits in this post. Keep reading to find out more!
- [How To Think About Money: A Review](https://thephysicianphilosopher.com/think-money-review/) - Follow along to see whether I recommend this book or not, outline my favorite portions, and highlight some favorite quotes.
- [How to Think About Money: A POF Review](https://thephysicianphilosopher.com/how-to-think-about-money-review/) - [et_pb_section fb_built=”1″ _builder_version=”3.22″][et_pb_row _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_text _builder_version=”3.27.4″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”] When I saw what this week’s Saturday Selection was going to be from Physician on FIRE, I was really excited. Why? Because this is his review of one of my top 3 favorite money books I’ve ever read. In fact,
- [How to Stop Feeling Overwhelmed](https://thephysicianphilosopher.com/how-to-stop-feeling-overwhelmed/) - Feeling stressed out? Is your to-do list wearing you out. Keep on reading for how to stop feeling overwhelmed!
- [How to Lower Financial Advisor Fees](https://thephysicianphilosopher.com/financial-advisor-fees/) - Diversification, risk, and staying the course. These are some of the bedrock principles of investing. In today's WCI network post, the White Coat Investor discusses one other key principle to investing success - limiting financial advisor fees.
- [How to get started with real estate Investing](https://thephysicianphilosopher.com/how-to-get-started-with-real-estate-investing/) - Real estate can provide a passive income stream...when done right! Read on to gain insights from PIMD on how to do just that.
- [How to Get Started in Telemedicine](https://thephysicianphilosopher.com/how-to-get-started-in-telemedicine/) - Telemedicine isn’t a new concept but it's become more well known given the world's current events. Learn how you can get started.
- [How to Find Time to Get More Done](https://thephysicianphilosopher.com/how-to-find-time-to-get-more-done/) - I don’t know about you, but as I get older, I find that I have less and less time to get things done. Here's my morning routine. Willing to give it a try?
- [How to Determine Your Savings Rate: Spend Save Ratio](https://thephysicianphilosopher.com/savings-rate/) - [et_pb_section fb_built=”1″ _builder_version=”3.22″][et_pb_row _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_text _builder_version=”3.27.4″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”] This is a guest post written by Dr. John Lim who is a well-known author in the personal finance world. He often writes for the Humble Dollar and has submitted guest posts to multiple WCI Network partners. Dr. Lim is
- [How to Buy a New Car](https://thephysicianphilosopher.com/brand-new-car/) - Have you ever have the opportunity to buy a new car? There are lots of pit falls and obstacles that are placed in your way during the process. This post is here to help you figure out how to do it right.
- [How to Be Better With Money: 5 Lessons from Sports](https://thephysicianphilosopher.com/how-to-be-better-with-money/) - There is a lot we can learn from sports, even if you don't like to play or watch. I dare you to not laugh while reading this post featuring quotes from Marshawn Lynch to Bobby Jones. These principles apply just as much to your personal finances as much as they do to sports. Check it out.
- [How to Avoid FOMO When Investing](https://thephysicianphilosopher.com/how-to-avoid-fomo-when-investing/) - Here are a few actionable steps to avoid acting purely due to the fear of missing out when investing.
- [How The Physician Philosopher Blog Makes Money](https://thephysicianphilosopher.com/how-blogs-make-money/) - Every blogger needs to be open and honest about how their blog earns money. We owe that to the readers who consume much of our content for free. It's just like a conflict of interest disclosure at the beginning of a talk. Well, here is mine for The Physician Philosopher blog...
- [How Physician Real Estate Investors Can Prepare for 2021](https://thephysicianphilosopher.com/how-physician-real-estate-investors-can-prepare-for-2021/) - Much like fashion, the trends we see year to year in real estate also experience change. With the whirlwind of 2020, there are some exciting opportunities ahead for investors. Join us as Passive Income MD outlines where he sees the trends heading in 2021.
- [How Our Annual Spending Determines Our Retirement Needs](https://thephysicianphilosopher.com/annual-spending/) - [et_pb_section fb_built=”1″ _builder_version=”3.22″][et_pb_row _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_text _builder_version=”3.27.4″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”] Money is a funny thing. When you first start gaining financial literacy it all seems very complicated. We assume that we need enough money to replace 70-100% of our current income in order to retire. It turns out that’s not
- [How Old Will I Be When I Get to Financial Independence?](https://thephysicianphilosopher.com/age-at-financial-independence/) - We all have our own individual plan. The question remains: How old will I be when I get to financial independence? This post will walk you through my plan and how I plan to get to FI by my mid 40's. Hopefully, it will help you start thinking about your own plan, too.
- [How Much Time Does it Take To Invest in Real Estate?](https://thephysicianphilosopher.com/how-much-time-does-it-take-to-invest-in-real-estate/) - I definitely don't want to get called in the middle of the night when someone's heater stops working... that's just not for me. Is that actually the reality of investing in real estate? Does it take up that much time? It doesn't have to, as you'll find out in today's WCI Network Selection.
- [How Kids Impact FIRE](https://thephysicianphilosopher.com/kids-and-fire/) - We all know that kids are expensive. But how exactly do kids impact our ability to get to FIRE? That's exactly what this post aims to answer. It even includes some real numbers to help us quantify the impact kids have on our ability to reach our financial goals.
- [How I used the 10% Rule to Increase Our Net Worth $250K in 1 Year](https://thephysicianphilosopher.com/quarterly-net-worth-3/) - Today is the third installment of the quarterly net worth update, but it is actually a full year out (I wasn't blogging during the first quarter) from training at this point. My goal for this time point was to have $100,000 in assets at this point. Two years out I planned to have a positive net worth. To find out how I did, keep reading.
- [How does the tax bill affect me and my paycheck?](https://thephysicianphilosopher.com/tax-bill-changes-paycheck/) - The new Tax Cuts and Jobs Act took changed my most recent paycheck. The increase was substantial. I had previously made the calculations to determine how much it ought to increase my paycheck, but was eager to see what the number would actually be. Today we will answer the question of "how does the tax bill affect me?"
- [How do I invest my paycheck? Attending Series](https://thephysicianphilosopher.com/1435-2/) - The most common question that I get (in real life and online) is the following: "So, I am finished (or about to finish) training. How do I invest my paycheck?" I recognize that for many readers this question may be too basic, but I don't want to skip it for those that are about to start their life as an attending. Hopefully, even for those that have it all figured out, they'll find useful information in answering the question.
- [How Contagious Discipline Killed the Bear (Market)](https://thephysicianphilosopher.com/why-discipline-matters/) - A plan that was attempted and failed is always better than failing to plan. Right? If you don't plan at all, you are just guaranteeing failure. Being mentally, relationally, spiritually, physically, and emotionally disciplined all have guaranteed dividends. But how does discipline kill a bear?
- [How Academic Medicine Made Me a Non-Academic Author](https://thephysicianphilosopher.com/brian-downs-guest-post/) - [et_pb_section fb_built=”1″ _builder_version=”3.22″][et_pb_row _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_text _builder_version=”3.27.4″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”]Introduction: Today’s post is a guest post by Brian Downs. Dr. Downs is a surgeon and a writer. Today’s post fits in perfectly with our Wellness Wednesday posts as it highlights finding joy outside of our work: being a physician author. Brian
- [How a Resident Got their Financial House in Order During Quarantine](https://thephysicianphilosopher.com/personal-finance-quarantine/) - Many of us have spent time in quarantine. While you can use this time to binge on your favorite netflix shows, you could also use this time to be productive - and get your financial house in order. Read the post to find out more.
- [Housing Options for Healthcare Workers During a Pandemic](https://thephysicianphilosopher.com/housing-options-for-healthcare-workers/) - As a physician being exposed to the risks of COVID-19 you may need a place to live to avoid exposing others to these issues. Join along as Dr. Inc gives some options for where to live during a pandemic.
- [Hidden Costs & Conflicts of Interest When Buying a Home](https://thephysicianphilosopher.com/buying-a-home/) - Today's guest post is written about the conflicts of interest and hidden costs involved when purchasing a home. We will discuss realtors, mortgage brokers, mortgage bankers, and the differences between each of them. As someone looking to buy a home, this was a helpful post to me!
- [Best Time to Buy a Car & 8 Other Steps to Get the Best Deal](https://thephysicianphilosopher.com/best-deal-new-car/) - [et_pb_section fb_built=”1″ _builder_version=”3.22″][et_pb_row _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.9.10″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ sticky_enabled=”0″]I still loved driving my Chevy SS. The roar of the naturally aspirated V-8 as I churned through the gears on my manual transmission was intoxicating. Yet, the lack of practicality eventually got to me. So, I traded in
- [Flash FIRE warning:  The Dangers of Sharing Financial Independence](https://thephysicianphilosopher.com/fire-extinguisher/) - [et_pb_section fb_built=”1″ _builder_version=”3.22″][et_pb_row _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_text _builder_version=”3.27.4″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”] Fire is a passionate and unforgiving substance. It keeps you warm, heats your meals, and provides light in the dark. When wielded carefully, it is a force to be used for good. Financial FIRE (Financial Independence Retire Early) is no
- [Five Steps to Building Wealth](https://thephysicianphilosopher.com/five-steps-to-building-wealth/) - As I started accumulating financial knowledge through reading books or visiting financial blogs aimed at high-income professionals, I started to learn that debt was something to be destroyed. It delays building wealth. I don't want that to happen to you. So, keep reading to find out more about wealth and how to build it.
- [Five Causes of Burnout](https://thephysicianphilosopher.com/cell-phone-challenge/) - The flame that is so strongly lit when applying to medical school commonly dwindles into a slow fade of burnout for many attending physicians. The impact is real and so are the consequences. Today we will discuss some of the causes.
- [First Do No Harm: An Empty Cup of Expected Wellness](https://thephysicianphilosopher.com/first-no-harm-empty-cup/) - If we are to truly live out the "Do no harm" imperative, we must first make sure that we are not being harmed ourselves. After all, we cannot expect to replenish the empty cup of wellness our patients bring if our cup is empty, too.
- [Finding A Way Out](https://thephysicianphilosopher.com/finding-a-way-out/) - What do you do in a bad situation? Obviously look for a way out! But sometimes it's best fo figure out what makes the situation so bad in the first place.
- [Top 10 Financial Tips for New Attending Physicians](https://thephysicianphilosopher.com/financial-tips-for-new-attending-physicians/) - Many doctors ask (particularly in July) what are the top 10 tasks a physician should complete when they become an attending physician. I hope this post helps you answer that question!
- [Financial Mistakes: It (mis)takes one to know one!](https://thephysicianphilosopher.com/financial-mistakes-can-make-can/) - We are going to discuss five financial mistakes that I have made in my life and the consequences of each mistake. I want you to read this in a certain light, though. The light is this: You, too, can make it to financial independence despite making stupid mistakes like me.
- [Financial Independence is the Escape Hatch to Burnout](https://thephysicianphilosopher.com/financial-independence-escape-hatch/) - The aviation industry learned its hard lesson in the 70s. Medicine is now taking its turn. Like a plane that is crashing and burning, we need an escape hatch. Is financial independence the solution?
- [Financial Freedom: Book Reviews From Generation X](https://thephysicianphilosopher.com/financial-freedom-for-generation-x/) - Generation Xers are reaching financial freedom and eager to share their stories. Two books on financial independence from Generation X reviewed.
- [Financial Freedom for Millennials: Two Book Reviews](https://thephysicianphilosopher.com/financial-freedom-for-millennials/) - Is financial freedom for millennials a possibility? I believe it is. Grant Sabatier provides the playbook and Scott Rieckens delivers the play by play. Check out Physician on Fire’s reviews in today’s Saturday Selection.
- [Facing Physician Burnout: It’s Time to Take Back Your Life](https://thephysicianphilosopher.com/facing-physician-burnout-its-time-to-take-back-your-life/) - You’ve all heard about my experience with burnout by now. I’m very passionate about the topic. In today’s guest post, Gayle Morris talks about some ways you can avoid burnout and take your life back.
- [Everything Is Coachable](https://thephysicianphilosopher.com/everything-is-coachable/) - [et_pb_section fb_built=”1″ _builder_version=”3.22″][et_pb_row _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.9.10″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ sticky_enabled=”0″] Without further ado, I want to introduce Junaid to the show and let him kind of take the reins. So Junaid, thank you so much for being on the Physician Philosopher Podcast. I couldn’t be more excited for
- [Earning Free Travel the Hard Way (and How to Make it Much Easier)](https://thephysicianphilosopher.com/earning-free-travel-the-hard-way/) - Free travel can be earned in a variety of ways. I've earned free travel the hard way a few times. Now I do it the easy way. Earn yourself some free travel!
- [Early Retirement Checklist Part Two: Insurance, Family, and Social Considerations Prior to FIRE](https://thephysicianphilosopher.com/early-retirement-checklist-part-two/) - Early retirement is much more than solving a math problem. In part two of this early retirement checklist, we discuss insurance, family, and social issues.
- [Early Retirement Checklist Part One: Money Considerations Prior to FIRE](https://thephysicianphilosopher.com/early-retirement-checklist-part-one-money-considerations-prior-to-fire/) - Before you retire, there are a number of financial considerations you should ponder and implement. An early retirement checklist for your perusal.
- [Donor Advised Funds with Vanguard Charitable](https://thephysicianphilosopher.com/donor-advised-funds-with-vanguard-charitable/) - Here's how to use the Vanguard Charitable Donor-Advised Fund to grease the wheels of giving with less hassle to you.
- [Don't Buy Things You Can't Afford](https://thephysicianphilosopher.com/cant-afford/) - Despite it being a simple premise, Americans buy things that they cannot afford all of the time. Not only does this post include a link to a hilarious (yet true) video on the idea of waiting til you can afford something to buy it, but it is also filled with practical advice on how to spend less. This will then allow you to save more. Tag along as we discuss a simple, yet effective truth.
- [Does a Higher Advertised Return Make a Better Investment?](https://thephysicianphilosopher.com/does-a-higher-advertised-return-make-a-better-investment/) - Spoiler alert: Here's the moral of the story. Do not choose one investment over another simply because it advertises a higher rate of return.
- [Doctors Can’t Spend More Than Half Their Income](https://thephysicianphilosopher.com/doctors-cant-spend-more-than-half-their-income/) - Does it feel like you're fighting an uphill battle as you try to increase your sustainable standard of living? That's because you are.
- [Do You Feel Too Busy?  What's Really Going On](https://thephysicianphilosopher.com/too-busy/) - Are you too busy? Or are you just making excuses? Come find out in this Saturday Selection post. You might find the time you've been looking for.
- [Do You Define Wealth With Your Feelings or a Number?](https://thephysicianphilosopher.com/is-physician-wealth-a-feeling-or-a-number/) - How do you define wealth? Do you need to feel wealthy? Or do you know you’re wealthy when you’ve hit the right number? How you define wealth impacts your freedom!
- [Do I Need a Financial Advisor? The Simple Truth](https://thephysicianphilosopher.com/do-i-need-a-financial-advisor/) - Do I need a financial advisor? One of the most common questions that I get in person and on the blog. The short answer is I don't know. The long answer is that you won't either, but I bet this post can help you!
- [Designing Your Portfolio Pt 3 — Choosing Asset Classes](https://thephysicianphilosopher.com/designing-your-portfolio-pt-3-choosing-asset-classes/) - When designing a multi-asset class portfolio, one of the hardest steps is to decide which asset classes you should include. Learn how to build the best doctor’s portfolio today!
- [Control What You Can Control](https://thephysicianphilosopher.com/control-what-you-can-control/) - There is a lot of question surrounding the current state of our communities. Uncertain times is creating opportunities to evaluate life as I know it.
- [Choosing the right Medical Specialty](https://thephysicianphilosopher.com/choosing-the-right-medical-specialty/) - I always tell students I work with the following: You have to LOVE the good aspects about your chosen specialty and be able to PUT UP with the negative aspects. What do I mean by that?
- [Choose to be rich](https://thephysicianphilosopher.com/choose-to-be-rich/) - Given your high income, becoming wealthy is really a choice. Once you choose, it's no longer a matter of IF you become rich, but WHEN.
- [Chasing Markets Can Be a Poor Long-Term Investment Strategy](https://thephysicianphilosopher.com/chasing-markets-can-be-a-poor-long-term-investment-strategy/) - Chasing markets is not going to be good for you in the long term. Learn the better strategy for your investments today!
- [Cash-on-Cash Return: The Most Important Calculation in Investing?](https://thephysicianphilosopher.com/cash-on-cash-return-the-most-important-calculation-in-investing/) - What’s the best way to evaluate an investment? Let's explore one of the simplest and most effective ways of calculating the return.
- [Can I Afford the Monthly Payments?  Losing The Forest for the Trees](https://thephysicianphilosopher.com/affording-monthly-payments/) - Have you ever wondered whether you could afford a monthly payment on something? Maybe a car, house, or private school payments? I would argue that people asking this question are losing the forest for the trees. And we all do it. This post is here to remind us that there is a better way to think about money, and to tell you how to find the right mindset.
- [Camp FI Review: A Weekend with FI-Curious Strangers](https://thephysicianphilosopher.com/camp-fi-review-a-weekend-with-fi-curious-strangers/) - I have attended Camp FI three times in its short existence. This Camp FI review details what the weekend retreats are all about and why you may want to go.
- [California Dreamin’ - Private School or the Doctor House?](https://thephysicianphilosopher.com/california-dreamin/) - Have you ever thoughts about private schooling for the kids? Or living in a more expensive location? Is this your current situation? Here are a physician finance expert's thoughts on that situation.
- [Burning and Turning Pages: Learning a lesson on Self-Worth](https://thephysicianphilosopher.com/burning-pages/) - My oldest kid, little Miss Philosopher has been learning a lesson in 1st grade. Ironically, I've been learning the same lesson recently. When people try to define our self-worth and our abilities, I tend to try and turn the page or burn it. What do you do?
- [Budgets Are For Rookies](https://thephysicianphilosopher.com/budgets-are-for-rookies/) - Everyone hates a budget. Everyone should hate even more a budget with "training wheels." If you don't know what that looks like, let this Saturday Selection from the WCI network teach you. After all, budgeting is for rookies.
- [Budgeting:  Four False Assumptions](https://thephysicianphilosopher.com/budgeting/) - Budgeting has earned quite the bad wrap. It is often viewed negatively whereas "tracking spending" is viewed as the positive term. Today we will look into the top four false assumptions regarding budgeting, and discuss why it may be a necessary and beneficial endeavor.
- [Book Report: The Doctors Guide to Starting Your Practice Right](https://thephysicianphilosopher.com/book-report-the-doctors-guide-to-starting-your-practice-right/) - Getting your medical practice started on the right foot can be challenging. You should know that there are resources out there to teach you how to do this. Join along as we review The Doctor's Guide to Starting Your Practice Right.
- [Avoid Analysis Paralysis with Medical Degree To Financially Free](https://thephysicianphilosopher.com/medical-degree-to-financially-free/) - Have you ever wondered whether you should pay down debt or invest? That's a problem of the past! Medical Degree to Financially Free is now on sale year-round. MDFF will provide you the step-by-step guide to help you figure it all out.
- [Attending Physicians: It's Time to Teach Personal Finance](https://thephysicianphilosopher.com/teach-personal-finance/) - I got really fired up after reading a post by WCI that mentioned money as a taboo topic in medical training culture. It's time academic attending physicians made a change, took responsibility, and stopped sucking at our jobs.
- [Application of The 10% Rule:  Winkbeds and Swagger Wagons](https://thephysicianphilosopher.com/application-of-ten-percent-rule/) - hen I laid down that night to go to sleep, those animal crackers were all up in my face. I don't care what anyone says, what I spent my 10% Rule money on smelled terrible that first night. This post is about spending money on Winkbeds and Swagger Wagons.
- [Adrian Peterson's Money Problems: 5 Lessons](https://thephysicianphilosopher.com/adrian-peterson/) - [et_pb_section fb_built=”1″ _builder_version=”3.22″][et_pb_row _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.9.7″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ sticky_enabled=”0″] Adrian Peterson (AP) made news lately. And it’s not because he is breaking records. In fact, he is breaking in a completely different way. The news that “broke” is that AP is, well, broke. Despite being one of
- [A Two Million Dollar Book: The Physician Philosopher’s Guide to Personal Finance ​](https://thephysicianphilosopher.com/a-two-million-dollar-book-the-physician-philosophers-guide-to-personal-finance-​/) - The Physician Philosopher's Guide to Personal Finance has been called a two million dollar book. An overview of this excellent primer from Dr. James Turner.
- [A new golden rule? The Doctrine of Charity](https://thephysicianphilosopher.com/new-golden-rule-doctrine-charity/) - Charity is defined as "the voluntary giving of help, typically in the form of money, to those in need." While charity via giving money is a good thing (and one we encourage!) it is not the only form of charity. Charity can be given through a variety of mechanisms to "those in need." One way is through the Doctrine of Charity.
- [A Life Without Chains](https://thephysicianphilosopher.com/a-life-without-chains/) - Breaking the chains around you. Nobody else can bind you. Take a good look around you. Now you're breaking the chains! How to live a life without chains.
- [A Doctor's Life:  Ready, Rinse, Repeat](https://thephysicianphilosopher.com/1630-2/) - As I wash my hands right after I hang up the phone, the overhead call rang out: "Attention. Your attention, please. A Level 1 trauma code has been activated in the adult emergency department." It was a gun shot wound to the right chest. I rinse my hands off, and head down to the ED... just another night in A Doctor's Life. Ready. Rinse. Repeat.
- [A Budget With No Payments: The Dream Life](https://thephysicianphilosopher.com/a-budget-with-no-payments/) - Can you image if you could create a budget without having to worry about making any debt payments? White Coat Investor shares what this is like from personal experience!
- [A $50,000 Real Estate Fund Investment, One Year Update](https://thephysicianphilosopher.com/a-50000-real-estate-fund-investment-one-year-update/) - Ever thought about investing in a real estate fund? Check out an update from Passive Income MD on his 50k real estate fund investment.
- [8 Essential Traits of a Good Property Manager](https://thephysicianphilosopher.com/8-essential-traits-of-a-good-property-manager/) - Finding a good property manager is easier said than done. How can you find one of the good ones?
- [6 Ways to Invest in Apartment Buildings](https://thephysicianphilosopher.com/6-ways-to-invest-in-apartment-buildings/) - Read about the six ways to invest in apartment buildings, from buying on your own to REITs, as you explore new options for real estate investments.
- [6 Financial Tips to Survive Residency](https://thephysicianphilosopher.com/6-financial-tips-to-survive-residency/) - Residency is tough enough without the financial stress on top of it. Surviving can be tough. In this WCI Saturday Selection, WCI spares no expense on your feelings as he lays down 6 financial tips that he feels will help you survive residency.
- [5 Ways to Increase Your Investment Returns](https://thephysicianphilosopher.com/5-ways-to-increase-your-investment-returns/) - Here are several ways to increase your investment return without ever needing a working crystal ball to reach your investing goals.
- [5 Ways to Find COVID Balance While at Home](https://thephysicianphilosopher.com/work-life-covid/) - Are you bored out of your gourd while being forced to stay at home? Here are 5 ways that I've found to flip the script and have a ton of fun while staying home. I even include some of our favorite board games that you likely haven't heard of!
- [5 Ways Financial Freedom Beats Burnout](https://thephysicianphilosopher.com/financial-freedom-burnout/) - [et_pb_section fb_built=”1″ _builder_version=”3.22″][et_pb_row _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.9.7″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ sticky_enabled=”0″] Find a job you enjoy doing, and you will never have to work a day in your life. ~Mark Twain When The Physician Philosopher first started the tag line was “Wealth & Wellness.” Why? Because I think that there is an
- [5 Reasons to Keep Working After Financial Independence](https://thephysicianphilosopher.com/keep-working/) - Have you ever considered what you would do with your job if money didn't matter? What if you were financially independent? Some would stop work immediately, while others would continue their every day routines. Here are the top 5 reasons to keep working after financial independence according to Physician on FIRE.
- [4 Steps to Get on The Same Page With Your Spouse](https://thephysicianphilosopher.com/same-financial-page/) - People often email me to ask how they should get their spouse or partner on the same page financially. Believe it or not, I tell them that talking about numbers and money is unhelpful to accomplish this. Join along as we discuss the real way to have fruitful conversations about personal finance.
- [4 Reasons Doctors Don't Save Enough Money](https://thephysicianphilosopher.com/4-reasons-doctors-arent-good-investors-and-what-makes-one/) - Whenever I tell people outside of medicine how bad doctors are with money, they are always shocked. Almost universally they wonder why we don't save enough money. They understand that - in order to become a doctor - you must be hard working, intelligent, and dedicated to the cause. These are the same attributes - when they are applied correctly - that result in financial success. How in the world can doctors be bad with money, then?
- [3 Ways to Vet Real Estate Sponsors (Syndications)](https://thephysicianphilosopher.com/real-estate-sponsor/) - [et_pb_section fb_built=”1″ _builder_version=”3.22″][et_pb_row _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_text _builder_version=”3.27.4″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”]Today’s WCI Network Saturday selection comes from Passive Income MD. While I haven’t dipped my toes into syndicated real estate deals or funds , I have learned exactly how I’ll do it when we get the funds to take the leap.
- [2nd Quarterly Net Worth Update](https://thephysicianphilosopher.com/quarterly-net-worth-update-2/) - I started blogging in November 2017. So, my first quarterly net worth update was six months out (or two quarters into being an attending anesthesiologist). How am I doing now? What goals have I achieved? Grab a drink, sit down, and come find out in the 2nd Quarterly Net Worth Update.
- [12 Questions to Ask When Hiring a Financial Advisor](https://thephysicianphilosopher.com/12-questions-to-ask-when-hiring-a-financial-advisor/) - Need a financial advisor? Consider asking him some or all of these questions at the initial meeting.
- [10 Guiding Principles for Debt Management](https://thephysicianphilosopher.com/ten-debt-management/) - Do you have any remaining debt? If you are like most physicians, of course you do! Here are ten guiding principles for debt management of all sorts packed into a single post.
- [“I want to lower my taxes” is a stupid goal](https://thephysicianphilosopher.com/smart-tax-goals/) - Being a high income earner also comes with a pretty hefty tax bill. Dr. Dahle shares tips for how to think smarter about our tax goals and actions that will impact your bottom line in this Saturday Selection, originally posted on White Coat Investor.
- [What you need to know: Vanguard financial advisors](https://thephysicianphilosopher.com/vanguard-financial-advisor/) - It's the biggest mutual fund company in existence now known for their (passive management) index funds. You guessed it. Vanguard. Yet, Vanguard is now recommending financial advisors... Why does Vanguard recommend financial advisors? Are they worth it? Let's take a look.
- [What is a Safe Withdrawal Rate? A Case Study on The 4% Rule](https://thephysicianphilosopher.com/what-is-a-safe-withdrawal-rate-a-case-study-on-the-4-rule/) - If you have ever wondered about how much you can take out in retirement or if you will be able to withstand a down market right when you retire, this post is for you. It is a case study with graphs and charts that will help you better understand the dilemma, and whether you have "enough" to be financially independent. It is a must read.
- [What Causes Physician Burnout? The Medscape Survey](https://thephysicianphilosopher.com/what-causes-physician-burnout/) - [et_pb_section fb_built=”1″ _builder_version=”3.22″][et_pb_row _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.9.7″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ sticky_enabled=”0″] In the 2018 Medscape Survey on Physician Burnout and Depression, over 15,500 physicians were surveyed. The Medscape survey was aimed at answering some vital questions, such as “What causes physician burnout?” and “What are some ways to fix physician
- [The Truth Is... A Ballad on Burnout](https://thephysicianphilosopher.com/the-truth-is/) - We all deal with our anger and burnout in different ways. For me? I write. And, sometimes, I rap. Yup. You read that write. Come take a peek, if you dare to take a look inside my head. The Truth is this is a Ballad on Burnout
- [The Stretch IRA. The Best Inheritance](https://thephysicianphilosopher.com/stretch-roth-ira/) - The Stretch IRA is the gift that keeps on giving. It provides a wonderful way to leave an inheritance and has particular benefits not seen by other kinds of inheritance money. Perhaps there is a reason why "Roth money should be touched last" in retirement.
- [The REPAYE Loop Hole & 4 REPAYE Hacks](https://thephysicianphilosopher.com/the-repaye-loop-hole-4-repaye-hacks/) - Making the most of your student loan situation is paramount to financial success. For this reason, this is a must read post if you are a medical student, resident, or academic attending. Come check it out as we discuss the REPAYE loop hole and 4 REPAYE hacks that will help you make the most of this great program.
- [The Four W's of PSLF: Student Loan Refinacing Part 1](https://thephysicianphilosopher.com/four-ws-student-loan-refinancing-part-1/) - Don't we all remember the most important money saving tip? You know. If you just brew your coffee (or tea) at home while you are a medical student and resident instead of going to Starbucks, you could save thousands of dollars on your medical school debt. We've got some talking to do: Student Loans Part 1.
- [The 10% Rule: Limiting Lifestyle Creep](https://thephysicianphilosopher.com/the-first-decree-the-10-percent-rule/) - If we ignore the desires of our heart and deny our ability to enjoy anything, this places us in an uncomfortable disposition towards discontent. Likewise, if we ignore the head we are destined towards financial ruin. Let The 10% Rule make both your head and your heart happy.
- [Passive Real Estate Academy Review](https://thephysicianphilosopher.com/passive-income-by-real-estate-syndications-course/) - Do you want to diversify your investments? Have you considered investing in real estate, but don't want the hassle of property management? Do you want to benefit from the tax advantages of real estate? Then I've got an online course for you...and this is the review of that course.
- [Mo' Money, Mo' Problems: Mastering Happiness Economics](https://thephysicianphilosopher.com/happiness-economics/) - The relationship between money and happiness is complicated. Left to our own devices, most people just don't get it. The sooner we understand this important relationship, the more likely we are to find that happiness we've been looking for. Otherwise, we'll just saying, "Mo' Money, Mo' Problems."
- [How I used the 10% Rule to Increase Our Net Worth $250K in 1 Year](https://thephysicianphilosopher.com/how-i-used-the-10-rule-to-increase-our-net-worth-250k-in-1-year/) - Today is the third installment of the quarterly net worth update, but it is actually a full year out (I wasn't blogging during the first quarter) from training at this point. My goal for this time point was to have $100,000 in assets at this point. Two years out I planned to have a positive net worth. To find out how I did, keep reading.
- [All Insurance Agents Are Not Created Equal](https://thephysicianphilosopher.com/insurance-agents-not-created-equal/) - [et_pb_section fb_built=”1″ _builder_version=”3.22″][et_pb_row _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_text _builder_version=”3.27.4″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”][This is a guest post from Lawrence B. Keller, CFP®, CLU®, ChFC®, RHU®, LUTCF. It is a basic post, but drives home a solid point, which is to discuss how to choose the insurance sales person with which you should work.
- ["Fire Your Financial Advisor" Review](https://thephysicianphilosopher.com/fire-financial-advisor-review/) - The following is a review of this course, which is called Fire Your Financial Advisor. The review is long, but this course includes over 6 hours worth of video and presentation information all-in-all. Want to sneak a peek? Read more to find out.
- [The backdoor roth point / Counterpoint: A must-do or meh?](https://thephysicianphilosopher.com/backdoor-roth-yay-or-nay/) - Dualing viewpoints of the Backdoor Roth. Always enjoy a good guest post offering two different opinions on a controversial topic. Are you a Yay or Nay?
- [Partial FIRE: The solution to your problems?](https://thephysicianphilosopher.com/partial-fire-3/) - There has been a lot of focus on FIRE (Financial Independence Retire Early), but I am here to tell you that you can experience a lot of the benefit of FIRE before you get there. In fact, I'd argue FIRE can be detrimental to your life, and that partial FIRE could prove to be a better solution...it just might solve your problems.
- [The 6 stages of diversification — Where are you at?](https://thephysicianphilosopher.com/6-stages-of-diversification/) - Diversification means different things to different people. WCI sees six levels of diversification and recommends you nail at least the top three.
- [What is the Gross Rent Multiplier (GRM) and How is it Useful for Investors?](https://thephysicianphilosopher.com/what-is-the-gross-rent-multiplier-grm-and-how-is-it-useful-for-investors/) - Is 2021 the year of real estate? PIMD thinks so. Regardless of the market you're looking at, read on to discover why the Gross Rent Multiplier is a good metric during those initial evaluations.
- [Love your job? Why you should still pursue financial independence](https://thephysicianphilosopher.com/love-your-job-why-you-should-still-pursue-financial-independence/) - Love your job? Great! Should you pursue FIRE? Absolutely, you should! At least the Financial Independence part. What you do with it is up to to you.
- [Physicians Scammed out of Tens of Millions of Dollars](https://thephysicianphilosopher.com/physicians-scammed-out-of-tens-of-millions-of-dollars/) - Physicians scammed out of $33 million as one physician recruits dozens of colleagues to invest in a cryptocurrency volatily trading scheme he cofounded.
- [Welcome WCI Readers-->Fellowship: Worth the Return on Investment?](https://thephysicianphilosopher.com/fellowship-worth-return-investment/) - Today's post can be found on White Coat Investor where I discuss Fellowship Opportunity Cost. In other words, how much does it cost you (debt, investments, and otherwise) to pursue a fellowship. I even include a calculator to help you figure it out! Let's calculate your Fellowship Opportunity Cost today.
- [Making a Personal Finance Curriculum](https://thephysicianphilosopher.com/making-a-financial-curriculum/) - Recently I felt a bit like the dog who finally caught the tire he was chasing. I've been tasked with making a personal finance curriculum for the senior MD, PA, and SRNA students at my medical school. Now, I need your help! Please, leave a comment and let me know what you think are "musts" to include!
- [The Physician Philosopher Podcast: Philosophy and Finance](https://thephysicianphilosopher.com/podcast/) - Many have told me to podcast more often, and I am trying to listen. Maybe this will be my gateway into the podcasting world. Maybe not. Come check out the news as I discuss where you will be finding my podcasts more frequently in the future.
- [Framing Your Financial Future](https://thephysicianphilosopher.com/framing/) - [et_pb_section][et_pb_row][et_pb_column type=”4_4″][et_pb_text]I love listening to podcasts. In a very busy world, I’ve found them to be something I can do even when life is crazy. You can listen to them while you work out, commute to work, when writing notes, or as your unwind for the day. Given my affection for podcasting, I’ve been looking
- [Loss Aversion and Analysis Paralysis](https://thephysicianphilosopher.com/overcoming-loss-aversion/) - You might think you like choices... but that just isn't really true. Sometimes more choice can lead to indecision. And even when we do choose, we are constantly afraid of losing it! This all impacts your money decisions... and it's all in today's post.
- [Choose Your Financial Friends Wisely](https://thephysicianphilosopher.com/choosing-your-friends-wisely-living-financially-free/) - Who knew that choosing your friends could have such a profound impact on your finances?
- [Are Side Hustles the Best Kind of Asset Protection?](https://thephysicianphilosopher.com/side-hustle-together/) - s I was watching one day, it started to amaze me how comfortable the birds were jumping from post to post on the feeder or from branch to branch. Often times at a distance taller than the bird itself. It dawned on me that the reason they are so comfortable taking this risk was because they knew if they made a miscalculation, they had wings. Today, we talk about how side hustles give us wings - and asset protection.
- [Two Tax-Efficient Ways to Minimize Childcare Costs](https://thephysicianphilosopher.com/minimize-childcare-costs/) - Time matters. Passion means something. Professional fulfillment also has a place. For all of these reasons and more, I've fully supported and empowered my wife going back. That said, child care expenses are hella-expensive. Today we will discuss two ways to ease the pain a bit: the flexible spending account and 2018 child tax credit changes.
- [Should I Tithe or Should I Build Wealth?](https://thephysicianphilosopher.com/should-you-tithe-or-build-wealth/) - It's a topic not often discussed on personal finance websites geared towards teaching you how to build wealth, but its important: tithing and giving to charitable causes. Whether you are religious or not, this is an important topic to consider. Come dive in today's post and leave a comment.
- [The Monthly Checkout of August 2018](https://thephysicianphilosopher.com/the-monthly-checkout-august-2018/) - Stop making excuses. You have ten minutes to read this awesome stuff. I've already done the hard work for you.These articles are worth checking out. Some of them are so worth checking out that they'll be featured on much bigger sites than mine.
- [How To Teach Kids About Money: The Ultimate Guide](https://thephysicianphilosopher.com/how-to-teach-kids-about-money/) - As parents, we are charged with teaching our kids so much. Yet, just like in the medical education system, talking about money is often considered taboo in family settings. Well, today, I want to encourage you to consider ten ways on how to teach your kids about money.
- [Achieving Work Life Balance Through Part Time Work](https://thephysicianphilosopher.com/part-time-man/) - What does work-life balance look like? Right now, I am not exactly sure. I've felt a bit like I've been drowning since my wife took a full-time job. Would going part-time help out? Tag along as we discuss five reasons I'm considering it in the next few years.
- [The fear of spending money](https://thephysicianphilosopher.com/fear-of-spending-money-2/) - It's okay to stick to our guns, but sometimes being frugal can make spending money an anxiety provoking experience. Do I have the fear of spending money? We bought a house. Am I a hypocrite? Come take a walk through my mind.
- [What is Compassion Fatigue? An absence of Hesed?](https://thephysicianphilosopher.com/compassion-fatigue-absence-hesed/) - Hesed is often translated as loving-kindness, but it also encapsulates mercy, loyalty, and even compassion. Hesed seems to be the ideal way that we should think and care about others, particularly our patients. In a world that is more jaded by the day, Hesed seems to be less and less common. What is more common now is something called Compassion Fatigue. Today we will discuss exactly what Compassion Fatigue is and ways that we may be able to combat it's evil forces.
- [The Truth Is... A Ballad on Burnout](https://thephysicianphilosopher.com/the-truth-is-a-ballad-on-burnout/) - We all deal with our anger and burnout in different ways. For me? I write. And, sometimes, I rap. Yup. You read that write. Come take a peek, if you dare to take a look inside my head. The Truth is this is a Ballad on Burnout
- [Living the Dream Through Crucial Conversations](https://thephysicianphilosopher.com/living-the-dream/) - I've wanted to get more time off at work for the last 18 months. Through the tools necessary to have a crucial conversation, I was able to be brutally honest and maintain my relationship with my chair. You, too, can avoid destroying relationships while being honest about your needs. Find out how in this post.
- [The Ancestor of Every Action is a Thought (The Thought Model)](https://thephysicianphilosopher.com/8-31-podcast-launch-post-on-my-story-and-thought-model/) - Emerson had it right. I tried a lot of things that didn't work. I blamed my thyroid. I blamed my situation. Only after changing my thoughts could I change my life.
- [It Is All Your Fault](https://thephysicianphilosopher.com/it-is-all-your-fault/) - You have control over how you feel. Not your circumstances. Not anyone else in the world. How you feel is all your fault.
- [Stop Trading Time for Money by Building Non-Clinical Income](https://thephysicianphilosopher.com/stop-trading-time-for-money/) - [et_pb_section][et_pb_row][et_pb_column type=”4_4″][et_pb_text]Many doctors I know want to create nonclinical income streams but don’t know how to get started. Whether you’re thinking about starting a blog, a podcast, or a coaching business, or you’re trying to create a real estate empire, author a book, or do medical malpractice work, this episode is going to help you
- [Should I go to medical school?](https://thephysicianphilosopher.com/go-medical-school/) - It is a common question asked by those thinking about going into the field of medicine, "Would you go into medicine again if you did it all over?" Sometimes they ask, "Would you tell your son or daughter to go into medicine?" Today we are going to look strictly at the financial aspect of this decision.
- [What You Need to Know about Refinancing Student Loans](https://thephysicianphilosopher.com/refinance-student-loans/) - When I was in residency, residency refinancing companies did not exist. If you read part 1 of this series or are considering private refinancing options, then this post will help you pick the best company for you.
- [Physician Burnout and Financial Independence: A Guest Post](https://thephysicianphilosopher.com/physician-burnout-and-fi/) - This week's "Wellness Wednesday" post has two changes. 1) It wasn't posted on Wednesday (Tuesday!), and 2) It's not on this site! You'll have to venture over to Camp FIRE finance to find the article where I discuss physician burnout, financial independence, and why you should care even if you aren't a doctor!
- [The Monthly Checkout: January 2019](https://thephysicianphilosopher.com/the-monthly-checkout-january-2019/) - It's that time again. Tag along as we share the best posts of the month from this site and others. Also, check out the update on my upcoming book and some recent guest podcast episodes.
- [How Much Money Do Doctors Make & Why It Doesn't Matter](https://thephysicianphilosopher.com/how-much-money-do-doctors-make-why-it-doesnt-matter-2/) - People often wonder how much money different doctors make. I'll tell you, but then I am going to tell you why that income doesn't matter - because of a fatal flaw in how doctors think about money.
- [Alternative Minimum Tax (AMT): Will I pay the AMT?](https://thephysicianphilosopher.com/alternative-minimum-tax/) - The Alternative Minimum Tax (AMT) is an archaic tax law that was originally intended to make sure that high income earners were "paying their fair share." As if the tax law was not complicated enough, the tax law experts thought it necessary to not only calculate your taxes once, but twice. The first time it is calculated through the regular methods (brackets, etc) and the second time through the AMT. Whichever is higher is the tax you pay. So, today we will answer the question "Will I pay the AMT"
- [Six Ways To Spend Less Time On Finances](https://thephysicianphilosopher.com/spend-less-time-on-finances/) - In this WCI Saturday Selection, WCI walks us through how to spend less time on money so that we can spend more time on things we really enjoy. Who doesn't love the sound of that?!?
- [When the Hedonic Treadmill hits Ludicrous Speed](https://thephysicianphilosopher.com/hedonic-treadmill/) - [et_pb_section][et_pb_row][et_pb_column type=”4_4″][et_pb_text]This post, which was originally featured on Physician on FIRE, goes into the depth of despair that can be caused by getting stuck on ludicrous speed while on the hedonic treadmill. Sometimes the smartest thing we can do with our money isn’t to earn or save more. It is to be content with what
- [The Two Most Important Words in Personal Finance](https://thephysicianphilosopher.com/the-two-most-important-words-in-personal-finance/) - According to Passive Income MD, these are the two most important words in all of personal finance. And, I'll admit that you either wield this as a force to be reckoned with our you will succumb to its will. This is the driver of most people's financial stress, if they have it.
- [Social Arbitrage: Choosing Your Friends Wisely (BFS #4)](https://thephysicianphilosopher.com/social-arbitrage/) - You are the average of the five people you surround yourself with. This is why you must choose your friends carefully, and take advantage of social arbitrage. This might be most important determinant in your spending habits, and your chance at financial success.
- [Teaching FIRE to Your Kids](https://thephysicianphilosopher.com/children-on-fire/) - I thought about naming this post "Children on FIRE" or "Teachings Kids to Play with FIRE"... but none of those sounded right. Since I didn't write this post originally, which was first published over at Physician on FIRE, I decided to tame down the title.... never the less, this is a really important topic that all parents should spend some time thinking about.
- [6 Reasons Index Funds Remain King](https://thephysicianphilosopher.com/index-funds/) - It is plain and simple. People can argue (and those who do usually make commission off of other funds), but the truth is... Index funds are king. I'll give you six reasons why, though I bet you can tell me 10 more in the comments.
- [Should I Buy an Electric Bike? A Case Study](https://thephysicianphilosopher.com/electric-bike/) - The three biggest expenses for most people include housing, food, and transportation. Any money saved in one of these three key areas is likely to make a large difference on your spending, and how much you can save. Should you buy an electric bike to help with this cost?
- [Consumer Addiction and 5 Ways to Beat It](https://thephysicianphilosopher.com/consumerism-addiction/) - We've all experienced the high of buying something meant to make us happy, and the lows of consumer regret that we often experience after the fact. What is consumer addiction? And how can we beat it?
- [The Monthly Checkout: August 2019](https://thephysicianphilosopher.com/the-monthly-checkout/) - Here's the post everyone waits for each month. The monthly checkout highlights several posts that I found particularly worthwhile each month. I've also found a great curation site to help save you some time looking for great personal finance content.
- [Why I Don't Focus on FIRE (Financial Independence Retire Early)](https://thephysicianphilosopher.com/why-not-fire/) - [et_pb_section][et_pb_row][et_pb_column type=”4_4″][et_pb_text]A therapeutic index is a marker of a drug’s safety profile. The narrower the therapeutic index the harder it is for a drug to have its intended effect without having a serious consequence. For example, Warfarin – an anti-coagulant used for atrial fibrillation – has a very narrow therapeutic index. Not enough warfarin, and
- [Fixed versus Variable Student Loan Rates](https://thephysicianphilosopher.com/fixed-versus-variable/) - Residents and new attendings often ask me, should I get a fixed or a variable interest rate when I refinance my student loans? This is a tough question to answer unless your mindset is right. Come check out this WCI Saturday Selection to help get you in the right mind space.
- [Becoming an Investment Collector](https://thephysicianphilosopher.com/becoming-an-investment-collector/) - Seeing different points of view is a good thing. While I don't personally plan on becoming an investment collector, I think it's good for you to know what it looks like. After reading this post, you might be able to decide one way or another if it's for you.
- [The Monthly Checkout: The FinCon19 Issue](https://thephysicianphilosopher.com/fincon19-monthly-checkout/) - FinCon is the highlight of the year for many of us. While I cannot include an exhaustive list of everyone who came (there are over 2,500 people), I did want to highlight some of the physician finance bloggers I met, and their great content. Come find out what you're missing!
- [Would I Regret Leaving Medicine?](https://thephysicianphilosopher.com/leaving-medicine/) - One thing I don't do well with in life is regrets. Many physicians talk about leaving medicine. Yet, few actually pull the cord. Would you regret leaving medicine? POF tells us his thoughts in this Saturday Selection.
- [The Monthly Checkout: October 2019](https://thephysicianphilosopher.com/monthly-checkout-october-19/) - With features from two new physician blogs, new podcast episodes, and much more - this is your monthly checkout for October.
- [Herding Isn't Just for Lemmings](https://thephysicianphilosopher.com/herding/) - In your financial life, are you like a lemming? Do you follow the herd right off the cliff? In today's post, come find out how to pave your own path, and when it is okay to follow the financial herd.
- [Why Timing The Market is a Fool's Errand](https://thephysicianphilosopher.com/timing-the-market/) - Timing the market is easy. You simply buy when the market is low, and sell when the market is high. Right? Come find out why this line of thinking is a bit of fool's gold.
- [What To Do With a Bad 401K](https://thephysicianphilosopher.com/bad-401k/) - Need help dealing with a bad 401K? What should I invest in if index options aren't a choice, or my index options have high expense ratios? First, recognize it is a bad 401K. Then, read this post to figure out what to do with it.
- [Step by Step Guide: How to Open a Brokerage Account?](https://thephysicianphilosopher.com/how-to-open-a-brokerage-account/) - [et_pb_section][et_pb_row][et_pb_column type=”4_4″][et_pb_text]After spending the last few years paying off all of our non-mortgage debt, including our $200,000 in refinanced student loans, my family finally now has enough monthly cash flow to open a Vanguard brokerage account (i.e. taxable account). When considering how to open a brokerage account, I was confronted with many questions that I
- [Smart Career Alternatives for Physicians](https://thephysicianphilosopher.com/smart-career-alternatives-for-physicians/) - [et_pb_section][et_pb_row][et_pb_column type=”4_4″][et_pb_text]I’ve had the pleasure of meeting Dr. Cory Fawcett on multiple occassions at FinCon. As a result, you should know that he is a great guy with a sincere desire to help doctors figure out personal finance topics. Of note, he has written a series of books for physicians tailored towards these topics. Consequently,
- ["I am too Busy" is Just an Excuse](https://thephysicianphilosopher.com/i-am-too-busy-is-just-an-excuse/) - Far too often we limit ourselves through our own beliefs. They prevent us from achieving our dreams and accomplishing our goals. You aren't too busy. That's just an excuse. The truth provides much more freedom. Come find out more in today's post.
- [Pros and Cons of Target Date Funds](https://thephysicianphilosopher.com/pros-and-cons-of-target-date-funds/) - Most employers automatically place your investments into one of their Target Date Funds. Is this these funds the right investment for you? Read this post to find out.
- [Six Months of Part-Time Work (Saving $60K in Taxes)](https://thephysicianphilosopher.com/six-months-of-part-time-work-saving-60k-in-taxes/) - If you've ever considered part-time work, here is your chance to live vicariously through Physician on FIRE. Dig in as he explains what it was like for him going part-time for six months. Was it worth it? Read on to find out.
- [5 Myths About Teaching Personal Finance](https://thephysicianphilosopher.com/teaching-personal-finance/) - Money is too taboo to talk about with students and residents, right? That's a common line of logic, unfortunately. Here are five myths about personal finance education, and how they don't line up.
- [Review of Your Money or Your Life](https://thephysicianphilosopher.com/your-money-or-your-life/) - Your Money or Your Life is a 90s finance book that is still considered one of the most influential finance books to this day. Check out a review!
- [Four Rules I Followed To Get Wealthy](https://thephysicianphilosopher.com/four-rules-to-get-wealthy/) - Want to be wealthy? These are the four rules the White Coat Investor followed to achieve financial independence.
- [How to Stay Steady During a Bear Market](https://thephysicianphilosopher.com/steady-bear-market/) - How are you dealing with the virus and the impact of the market that is coming from it? Learn how to stay steady with your investments during this bear market!
- [Tax Loss Harvesting with Vanguard: A Step by Step Guide](https://thephysicianphilosopher.com/tax-loss-harvesting/) - With the stock market as volatile as it is, it can be super depressing to watch your net worth plummet. But it’s a good time to tax loss harvest!
- [Managing the Transition to Attendinghood Properly](https://thephysicianphilosopher.com/managing-the-transition-to-attendinghood-properly/) - What’s the right thing to do when transitioning to “attendinghood?” Is it the right time to buy a house? White Coat Investor is here to answer your questions!
- [The Financial Residency Book - A Review](https://thephysicianphilosopher.com/financial-residency/) - The Financial Residency book is hot off the press. Should you snag a copy of your own? Is it the right book for you? Come find out as I review the book written by Mr and Dr. Inman.
- [Why You Should Pay For Rental Properties In Cash](https://thephysicianphilosopher.com/why-you-should-pay-for-rental-properties-in-cash/) - There are two sides of the investing coin when it comes to purchasing rental properties. Do you pay for rental properties in cash or use leverage?
- [Most Docs](https://thephysicianphilosopher.com/most-docs/) - Most docs struggle with finances and lifestyle inflation and saving. Learn to beat these struggles with some advice from White Coat Investor.
- [Could Multiple Savings Accounts Help You?](https://thephysicianphilosopher.com/multiple-savings-accounts/) - Do you ever feel the stress of variable expenses or unanticipated costs that come up? Do you sabotage your own success by dipping into your savings? Multiple savings accounts may prove helpful for you. Keep reading to find out more!
- [One World Surgery: My Week in Honduras on a Medical Mission](https://thephysicianphilosopher.com/one-world-surgery-my-week-in-honduras-on-a-medical-mission/) - I spent a week with my family on a medical mission as an anesthesiologist with One World Surgery doing orthopedic, pediatric, and general surgical cases.
- [The FIRE Movement is Here to Stay](https://thephysicianphilosopher.com/the-fire-movement-is-here-to-stay/) - Have we reached "peak FIRE"? While the FIRE Movement may be popular in the mainstream media, I don't believe it's going away anytime soon.
- [6 Tips for Starting a Physician Side Gig](https://thephysicianphilosopher.com/physician-side-gig/) - Many doctors have asked me how to start their own business. Whether it is a blog, podcast, book, course, or a new consulting business... having a physician side gig can prove powerful in providing you the financial freedom you deserve. Click here for some tips on how to get started.
- [Stealth Wealth and Financial Independence: A Q&A with PoF](https://thephysicianphilosopher.com/stealth-wealth-and-financial-independence-a-qa-with-pof/) - The Physician on FIRE is interviewed by a big-time blog on two of his favorite topics: stealth wealth and financial independence. Read the extensive Q&A!
- [How to Be a DIY Investor](https://thephysicianphilosopher.com/how-to-be-a-diy-investor/) - Want to become a DIY investor with no need for an advisor? Then this is the article for you! Keep reading!
- [Should You Use a HELOC to Invest in More Real Estate?](https://thephysicianphilosopher.com/should-you-use-a-heloc-to-invest-in-more-real-estate/) - If you have a rental property or two already and you’re looking to increase your portfolio, a HELOC is a great way to accomplish two things.
- [Proof is in the Pudding: Live like a Resident](https://thephysicianphilosopher.com/live-like-a-resident/) - It's often said, "Live like a resident during and after reisdency!" But where's the proof that you should live like a resident after residency? Well, the proof is in the pudding. Let's look at the ingredients to see if that math adds up.
- [The Behavioral Finance Series: Preventing Financial Mistakes](https://thephysicianphilosopher.com/the-behavioral-finance-series/) - Have you ever wondered why people tend to make so many financial mistakes? We spend too much, save too little, and constantly serve as our own worst enemies. There is a reason for all of this, and a way that we can defeat it. Welcome to The Behavioral Finance Series where we will make you better with your decision making, your money, and even being a better doctor.
- [5 Ways Money Buys Happiness (BFS #3)](https://thephysicianphilosopher.com/spending-money-happiness/) - We all think we know what makes us happy, until we realize that studies show that humans are terrible at figuring out what makes us happy. Enter consumer regret, doubt, and adaptation to make sure our happiness is worse after we spend money than it was before. Surely, there must be a way to spend money that will make us happy. Right?
- [What To Do When Your Time Is Devalued](https://thephysicianphilosopher.com/what-to-do-when-your-time-is-devalued/) - Do you know what to do when your time is devalued? Here's a step by step guide to walk you through a difficult situation. Check it out now!
- [3 Reasons You Hate Your Job & What To Do About It](https://thephysicianphilosopher.com/i-hate-my-job/) - While I can't say that I hate my job, I bet I can explain why you hate yours. Come tag along as we examine the three key factors that lead to work satisfaction and how to get them back if they are missing in your life.
- [Small Wins Make a Big Impact](https://thephysicianphilosopher.com/small-wins/) - Goals are achieved through the small wins! When was the last time your celebrated the small accomplishments that helped you get where you are today?
- [Teach Your Kids About Money with the Bank of Mom and Dad](https://thephysicianphilosopher.com/teach-your-kids-about-money-with-the-bank-of-mom-and-dad/) - How do you teach your kids about money? Talk about money, teach the magic of compound interest, model good habits and institute the Bank of Mom and Dad.

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## Tools

- [Resolve Physician Contract Review](https://thephysicianphilosopher.com/tools/resolve-physician-contract-review/) - Resolve is the #1 rated physician contract review team.
- [Aptus Financial Planning](https://thephysicianphilosopher.com/tools/aptus-financial-planning/) - Aptus Financial, founded by Sarah Catherine Gutierrez CFP, is a flat, fee-only financial planning firm.
- [Physician Financial Services](https://thephysicianphilosopher.com/tools/physician-financial-services/) - A financial services firm specializing in income protection & wealth accumulation strategies for physicians.
- [Recommended Books](https://thephysicianphilosopher.com/tools/recommended-books/) - If you want to know the behaviors and characteristics that describe most millionaires this book is for you.
- [Physician Philosopher Partners](https://thephysicianphilosopher.com/tools/the-white-coat-investor-network/) - Learn about the Partners

## Guides

- [Life Planning: The three kinder questions](https://thephysicianphilosopher.com/guides/three-kinder-questions/) - There is a reason we combine wealth and wellness on this site... they are intrinsically linked. Today's post introduces a financial tool that helps people live a more fulfilling and intentional life: The Three Kinder Questions.
- [The top 10 things doctors need to know about disability insurance](https://thephysicianphilosopher.com/guides/the-top-10-things-doctors-need-to-know-about-disability-insurance/) - It is not a sexy topic, but it is one of the most important (if not THE most important) topic in personal finance for doctors. Here are the top 10 questions about disability insurance for doctors, and an answer to each. Don't skip this. It's important, and that is coming from someone who screwed this up and cannot get disability insurance now.
- [Refinancing Student Loans](https://thephysicianphilosopher.com/guides/refinancing-student-loans/) - Discover how to refinance and get up to $750 in your pocket!
- [Backdoor Roth IRA: A step-by-step guide at Vanguard](https://thephysicianphilosopher.com/guides/first-backdoor-roth-on-vanguard/) - Performing your first backdoor Roth IRA can be confusing. It was for me, which is why I created this handy Backdoor Roth IRA guide.

## TPP Podcasts

- [TPP 85: Money Mistakes Doctors Make](https://thephysicianphilosopher.com/tpp/tpp85/) - Let’s be honest… we all love learning from other people’s financial mistakes. It is like a slow-motion car accident. You just can’t take your eyes away. Money mistakes are going to happen, and we are going to discuss a few common financial mistakes that doctors make. Come join Lisha and I as we discuss our share of financial mistakes, and some of them are very common and might resonate with you on episode 85 of The Physician Philosopher podcast.
- [The Arrival Fallacy](https://thephysicianphilosopher.com/tpp/arrival-fallacy-podcast/) - We all have ideas of what happiness looks like. We say things like, “when ___ happens, I’ll be happy.“ This is called the Arrival Fallacy. Today we’re going to talk about to find true happiness.
- [5 Steps to Lose Weight with Dr. Ali Novitsky](https://thephysicianphilosopher.com/tpp/5-steps-to-lose-weight-as-a-physician/) - Have you ever wanted to lose weight (or get a six-pack) but it always felt too hard to get it done? As a life coach for women physicians, Dr. Ali Novitsky shares her insight and expertise to show us how to achieve optimal health with simple strategies backed by science.
- [Creating Healthy Boundaries with Technology](https://thephysicianphilosopher.com/tpp/creating-healthy-boundaries-with-technology/) - Business culture indoctrination often means we find ourselves believing we need to hustle 24/7 to get results, but it doesn’t have to be that way.What’s really important about today’s episode is understanding how we can use technology not to worsen our constant availability – which can lead to burnout – but instead how to use that technology to set boundaries.
- [How Much Money Should Doctors Save?](https://thephysicianphilosopher.com/tpp/how-much-money-should-doctors-save/) - When it comes to investing, how much should a doctor save? It may be more controversial than you think! Stick around to learn why.
- [The Problematic State of Medicine](https://thephysicianphilosopher.com/tpp/the-problematic-state-of-medicine/) - With today’s episode, we’re doing things a little differently. Instead of a podcast, you’re getting a sneak peek of the audiobook version of my latest book, “Determined: How Burned Out Doctors Can Thrive in a Broken Medical System.”
- [Paying Off Debt or Investing for Physicians](https://thephysicianphilosopher.com/tpp/paying-off-debt-or-investing-for-physicians/) - When it comes to putting your hard earned money to work, should you invest when you have extra money? Or pay off debt? It may not be as black and white as you think, Let’s go.
- [3 Doctors Who Changed Their Life Through Physician Coaching](https://thephysicianphilosopher.com/tpp/3-doctors-who-changed-their-life-through-physician-coaching/) - Given that this is the 100th episode of this show, I thought it would be pretty cool to share the stories of those who have listened to this podcast and had their lives changed as a result. And today is doubly-special, because The Alpha Coaching Experience (ACE) is finally open again. It’s been six months since we opened the doors last, and we only open the program twice per year. So, instead of me telling you about the impact ACE has had on doctors, I thought I’d let three doctors who have gone through the physician coaching program share their stories. Here’s how they overcame their situations to create the time, financial freedom, and mindset shifts they needed to practice medicine on their terms.
- [Physician Side Gigs with Dr. Peter Kim](https://thephysicianphilosopher.com/tpp/physician-side-gigs-with-dr-peter-kim/) - My good friend, Peter Kim, from Passive Income MD is a serial entrepreneur, physician in anesthesiology, and a great friend and family man. Sharing my enthusiasm for physician finance strategies that prioritize freedom, Peter is also a bit of a side-gig guru. Conversations with Peter are always fun, especially when we get to talk about different approaches to financial freedom. Over the years, Peter has conducted extensive trial and error research and fine-tuned the art of the physician side hustle. I can’t wait for you to absorb the knowledge and wisdom he was willing to share with The Physician Philosopher community. https://thephysicianphilosopher.com/RISE
- [Weight Loss for Busy Physicians with Dr. Katrina Ubell](https://thephysicianphilosopher.com/tpp/weight-loss-for-busy-physicians-with-dr-katrina-ubell/) - Dr. Ubell is a master certified life and weight loss coach who struggled with her own weight for decades before finding a permanent solution. In 2016, she founded a weight loss program that has helped over 1,300 physicians achieve the same peace and freedom surrounding food. Her podcast, Weight Loss for Busy Physicians, has been downloaded over 6 million times and she is the author of the forthcoming book How to Lose Weight for the Last Time; Brain-Based Solutions for Permanent Weight Loss. In this show, we’re going to dive into her book. So, if you have ever wanted to lose weight and keep it off… this is for you. Click here to register for The Rise of The Self-Determined Physician → https://thephysicianphilosopher.com/SDP
- [TPP #17: How to Deal With Haters](https://thephysicianphilosopher.com/tpp/tpp17/) - Success comes with haters. However, your haters don't define you. Today's episode is all about how to deal with those who look down on you.
- [TPP #18: Faith & Coaching](https://thephysicianphilosopher.com/tpp/tpp18/) - I often get asked if faith and coaching are able to go hand in hand. It can definitely be a complex topic. Keep on reading to learn more!
- [TPP #19: New Year, New You - Building/Breaking Habits](https://thephysicianphilosopher.com/tpp/tpp19/) - Want an amazing 2021? Learn how to create and break habits that will set you up for the best year yet!
- [TPP #23: How to Have a Healthy Money Mindset](https://thephysicianphilosopher.com/tpp/tpp23-2/) - Are you living the life you’ve always wanted? Or are you letting something holding you back? What if you don’t have to do that? Keep reading to find how to change your life.
- [TPP #24: Quid Pro Quo & Disappointing Relationships](https://thephysicianphilosopher.com/tpp/tpp24/) - Many of us face challenges with our relationships both at home and at work. In this episode, we will show you why and what you can do to enjoy the people around you and create better relationships.
- [TPP #25: 5 Keys to Financial Freedom through Physician Side Gigs](https://thephysicianphilosopher.com/tpp/tpp25/) - Many of you have thought about creating a physician side gig, but don't know where to start. Here are 5 key take-aways to creating financial freedom through a physician side gig.
- [TPP #26: Should Doctors Get Professional Coaching?](https://thephysicianphilosopher.com/tpp/tpp26/) - Is professional coaching for doctors worth all the buzz? Is it effective? And how do you find a good coach. It is all inside
- [TPP #27: Getting Clear on Your "Why"](https://thephysicianphilosopher.com/tpp/tpp27-2/) - Are you living the life you’ve always wanted? Or are you letting something holding you back? What if you don’t have to do that? Keep reading to find how to change your life.
- [TPP #28: Why Physician Entrepreneurs Work Less & Earn More](https://thephysicianphilosopher.com/tpp/tpp28/) - So many things about being a physician will make you a GREAT entrepreneur... but there are also a few things about being a doctor that will make you stumble. Come learn how to work less and earn more as a physician entrepreneur.
- [TPP #29: I Drive a F***ing Corolla with Dr. Lil Surprenant](https://thephysicianphilosopher.com/tpp/tpp29/) - Why would a Corolla ever empower anyone? You'll have to listen to this episode to see how this little car provides all the power that Dr. Lil Suprenant needs. (Plus hear about physician side gigs, deciding to leave fellowship, and much more)
- [TPP 33: Being an Entrepreneur is the Secret Sauce to Physician Freedom](https://thephysicianphilosopher.com/tpp/tpp33/) - We teach the Hybrid Model to FI at The Physician Philosopher. Slow and steady saving for tomorrow plus cash flow today. Is being an entrepreneur the secret sauce to this second ingredient? That's what this episode is all about.
- [TPP 36: Working More Shifts is NOT the Answer to Financial Freedom](https://thephysicianphilosopher.com/tpp/tpp36/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ background_color=”#24314B” custom_padding=”100px||0px||false|false” locked=”off” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ max_width=”650px” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ text_font=”Montserrat|700||on|||||” text_text_color=”#E9AE4C” link_font=”Montserrat|700||on|||||” link_text_color=”#E9AE4C” text_orientation=”center” max_width=”700px” module_alignment=”center” custom_margin=”||24px|||” link_option_url=”/podcasts/the-physician-philosopher/” global_colors_info=”{}”] The Physician Philosopher Podcast [/et_pb_text][et_pb_text _builder_version=”4.16″ _dynamic_attributes=”content” text_font=”|300|||||||” text_text_color=”#3a373a” text_font_size=”44px” header_text_color=”#FFFFFF” text_orientation=”center” max_width=”700px” module_alignment=”center” global_colors_info=”{}”]@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF90aXRsZSIsInNldHRpbmdzIjp7ImJlZm9yZSI6IjxoMT4iLCJhZnRlciI6IjwvaDE+In19@[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ background_color=”#24314B” use_background_color_gradient=”on” background_color_gradient_stops=”#24314b 50%|#ffffff 50%” background_color_gradient_start=”#24314b” background_color_gradient_start_position=”50%” background_color_gradient_end=”#ffffff” background_color_gradient_end_position=”0%” custom_padding=”30px||30px||true|false” locked=”off” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ custom_padding=”0px||0px||true|false”
- [TPP 38: How This Physician Quit Their Job](https://thephysicianphilosopher.com/tpp/tpp38/) - Many doctors feel helpless in medicine and it is this learned helplessness that makes many physicians feel trapped. Come take a listen to this episode of The Physician Philosopher podcast to learn how to take your autonomy back.
- [TPP 40: Common Money Mindset Mistakes Physicians Make](https://thephysicianphilosopher.com/tpp/tpp40/) - The purpose of money is to be able to live your life however you want. However, some people build narratives about money that force them to keep working instead of enjoying their life. In this episode learn the common mistakes physicians make and how to avoid them.
- [TPP 42: How To Fall Back in Love With Medicine](https://thephysicianphilosopher.com/tpp/tpp42/) - In coaching, we spend time diving into what thoughts you are having and how these are driving those feelings. Why? Because your feelings determine everything you do in life. In today’s episode, learn the secret to falling back in love with medicine and how your mindset can lead you to the balanced life you are looking for.
- [TPP 43: Are You a Physician Philosopher?](https://thephysicianphilosopher.com/tpp/tpp43/) - Where exactly are you on your journey to freedom? Do you feel like you often don’t have a choice? What if I told you that you ALWAYS have a choice. Listen today to determine where you are and what your next step might be in the journey!
- [TPP: 44: Be The Hero (Not the Victim) in Medicine](https://thephysicianphilosopher.com/tpp/tpp44/) - This episode is about doctors and a big turning point - realizing that leaving medicine isn’t the answer to feeling trapped in medicine.
- [TPP 45: Get Out of Your Head (To Get Out Of Your Way)](https://thephysicianphilosopher.com/tpp/tpp45/) - Most of us have this thought wired into our brains that we have to work hard all the time or we are not going to be successful or enough. But what if the answer to being both successful and enough wasn’t found is how much time we spend on work. What if the answer actually was found in taking time away from work?In today’s episode of The Physician Philosopher, we dive into the idea that when your to-do list is piling up and you aren’t exactly sure what the next step ought to be, maybe it is time for you to step back and take a break.
- [TPP 46: Physician Lawsuit Fear: How to Beat It](https://thephysicianphilosopher.com/tpp/tpp46/) - With 30-40% of physicians being sued on average, this is a topic that needs to be discussed in terms of how we can help doctors mentally and emotionally handle the fear of a lawsuit. If you have ever been in this situation or if you are living in fear that you someday will be, this episode is for you. Join me today as I walk you through how you can beat the fear of a lawsuit so that this one idea that maybe has happened to you, or the fear that it may happen in the future, not impact how you practice medicine and live life.
- [TPP 47: Cell Phone Buffering and Physician Families: Lessons from Napolean](https://thephysicianphilosopher.com/tpp/tpp47/) - When you find yourself reaching for your phone when you are off the clock to check your email. Or drinking not because you are enjoying that IPA, but because you are avoiding something. Or when you begin to think about all the people that need you to respond to their text within minutes, you might be buffering. Buffering is very common in our culture today, but it isn’t a way to live life that will help us feel like the person, parent, and physician we want to be. Today I am going to talk about something Napoleon taught us years ago that might just help you uncover the real reason you are buffering today.
- [TPP 48: The Achievement Treadmill (The Contentment of Enough)](https://thephysicianphilosopher.com/tpp/tpp48/) - People often talk about the hamster wheel of life or, what I call, the achievement treadmill. Why do physicians run on the achievement treadmill even once they have achieved success? What does it mean to be content or to have enough? There is a beautiful place in life where we operate not out of anxiety. On today’s episode we are going to talk about the art of having enough. Hang on, because it might just change your life.
- [TPP 49: Knowing Your Self-Worth as a Spouse, Parent, & Physician](https://thephysicianphilosopher.com/tpp/tpp49/) - The number one thing people talk about when approaching death is the idea that they wish they had been unapologetic about who they are and what they wanted in life. So often as physicians we seek the validation of others rather than unapologetically seeking our own validation. The current system of medicine doesn’t help either. This system quickly turns doctors into external validation junkies. Our entire self-worth can become attached to who and what other people think about us as physicians. But what if you knew your self-worth and made decisions from what is most important to you? This idea (and how you get there) is what we are going to dive into on today’s episode.
- [TPP 50: Is Coaching the Cure to Physician Burnout and Moral Injury?](https://thephysicianphilosopher.com/tpp/tpp50/) - So many doctors and physicians would agree that the medical system is broken. The system has been built to accommodate so much paperwork and those that hold the money and doctors are at the mercy of it all. While I agree there are a lot of things that need to be fixed about the system, I have also seen firsthand how doctors can overcome these systematic problems in medicine. Coaching just might be the cure doctors have been searching for. The answer you have been looking for. Listen to today’s episode to find out if you can finally cure your burnout. The current system of medicine doesn’t help either. This system quickly turns doctors into external validation junkies. Our entire self-worth can become attached to who and what other people think about us as physicians. But what if you knew your self-worth and made decisions from what is most important to you? This idea (and how you get there) is what we are going to dive into on today’s episode.
- [TPP 51: Coaching versus Therapy for Doctors](https://thephysicianphilosopher.com/tpp/tpp51/) - One of the most common questions that I get asked about physician coaching is, “How is coaching different from therapy?” And this is one of the most important questions to answer for doctors who feel trapped in medicine because Trapped Physicians often feel burned out and they want help but aren’t sure what help to get.
- [TPP 52: Self Coaching Through Physician Mom (or Dad) Guilt](https://thephysicianphilosopher.com/tpp/tpp52/) - Understanding how to self-coach through situations and feelings like this is ultimately what can change not only how you feel, but the choices you are making. You have more control over every situation than you think.
- [TPP 53: The Key to Physician Work-Life Balance](https://thephysicianphilosopher.com/tpp/tpp53/) - Physicians often think there isn’t enough time in the day to get everything done (and this thought often is a key thought that leads to burn out). Did you know that you have the power to create more time in your life? Time that allows you the work-life balance you are desperately seeking. But in this episode I am going to show you exactly how you can create more hours in your day so that you can have the life you want.
- [TPP 54: Vaccines, Shaming, and American Individualism](https://thephysicianphilosopher.com/tpp/tpp54/) - Today I am going to take an unapologetic look into the current state of this country when it comes to vaccines, shaming, and American individualism. This episode I’m going to get real about this pandemic, what I think one of the major problems is that uniquely sets America up to be ravaged by this disease, and how we can fix it. Spoiler, I do not think this is the patient’s fault. I do not think this is the fault of those that are not vaccinated. Listen to today's episode to learn how we can come together to truly end this pandemic.
- [TPP 55: The Therapeutic Index of Physician Thought Work](https://thephysicianphilosopher.com/tpp/tpp55/) - In this podcast, I dive into the therapeutic window of coaching (yes, one exists). Because it is important to understand how coaching tools can be used to create great change or can be used to inflict pain on yourself. I want to talk about how to avoid the later and use these tools correctly.
- [TPP 56: Money is the Great Amplifier](https://thephysicianphilosopher.com/tpp/tpp56/) - There are many people out there who think that money is not only the root of all evil, but that it is a taboo topic that should not be discussed. Particularly in medical education. But today I am going to call B.S. on this idea. Money is a great amplifier in our lives, but we need to understand a few important points to use it this way. Today I am going to share a couple of important views on money that will change your life. So, join me today and learn why every doctor should be madly in love with money, why that’s not a bad thing, and how to create more of it.
- [TPP 57: What Doctors Can Learn from German Shepherds](https://thephysicianphilosopher.com/tpp/tpp57/) - Perhaps one of the most common sayings we hear from many doctors is “That’s just the way it is” as if there is nothing that they can do about their current situation. In today’s episode, understand why the idea that you don’t have a choice is just a story you have learned and how this study on German Shepherds proves it. Learn why things don't have to continue the way they are, and how you can start to change them.
- [TPP 58: The Art and Importance of Saying No](https://thephysicianphilosopher.com/tpp/tpp58/) - Everything in life has trade offs. Unfortunately, most of us don’t realize that this is happening, and so these trade offs happen unintentionally. We say “yes” to all sorts of things, and don’t realize that this means we are saying “no” to many others. If you aren’t clear about what your priorities are, someone or something else will set them for you. Maybe it’s your job, your boss, or someone else in your life. If you haven’t mastered the art of saying no, then today’s episode is exactly what you need.
- [TPP 59: The Importance of Rest](https://thephysicianphilosopher.com/tpp/tpp59/) - Everything in life has trade offs. Unfortunately, most of us don’t realize that this is happening, and so these trade offs happen unintentionally. We say “yes” to all sorts of things, and don’t realize that this means we are saying “no” to many others. If you aren’t clear about what your priorities are, someone or something else will set them for you. Maybe it’s your job, your boss, or someone else in your life. If you haven’t mastered the art of saying no, then today’s episode is exactly what you need.
- [TPP #30: Part 1 - 3 Pillars of Freedom for Physicians Who Feel Trapped](https://thephysicianphilosopher.com/tpp/tpp30/) - One of the common beliefs I hear from physicians is that they feel trapped or stuck in medicine. And I totally get it. I used to feel the same, which is why I created a 3 pillar framework for you to become a fulfilled physician.
- [TPP 31: Part 2 - Mastering Your Money (Physicians Who Feel Stuck/Trapped)](https://thephysicianphilosopher.com/tpp/tpp31/) - If you want work-life balance, it requires you to have the fuel in the car to get to that destination. And that fuel is money. Tag along as we discuss The Hyrbid FI Model to help you enjoy today while you save for tomorrow.
- [TPP 32: Do You Feel Trapped, Stuck, or Burned Out in Medicine? Then Let’s Fix It.](https://thephysicianphilosopher.com/tpp/tpp32/) - Want to hear about the time I was told I'd fail out of medical school? That I couldn't hack it? That the medical system "is the way it is"? Yeah... I rage against the machine in this episode. So, if you are tired of the status quo, come join the team. And let's fix this broken system
- [TPP 34: The Physician Should Come First (Not the Patient)](https://thephysicianphilosopher.com/tpp/tpp34/) - In medicine, we learn it early and often that "The patient comes first!" What if I told you that this outdated belief not only harms our physicians (who often come last), but it also isn't good for the patient either. Listen in to learn why physicians should come first.
- [TPP 35: What Legacy are we leaving for The Next Generation of Physicians?](https://thephysicianphilosopher.com/tpp/tpp35/) - What sort of legacy will we leave for the next generation of physicians? Will we let business as usual continue in medicine? Or will we stand up and make a change? That's what this episode is all about.
- [TPP 37: How To Start Before You’re Ready (Getting “Unstuck”)](https://thephysicianphilosopher.com/tpp/tpp37/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ background_color=”#24314B” custom_padding=”100px||0px||false|false” locked=”off” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ max_width=”650px” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ text_font=”Montserrat|700||on|||||” text_text_color=”#E9AE4C” link_font=”Montserrat|700||on|||||” link_text_color=”#E9AE4C” text_orientation=”center” max_width=”700px” module_alignment=”center” custom_margin=”||24px|||” link_option_url=”/podcasts/the-physician-philosopher/” global_colors_info=”{}”] The Physician Philosopher Podcast [/et_pb_text][et_pb_text _builder_version=”4.16″ _dynamic_attributes=”content” text_font=”|300|||||||” text_text_color=”#3a373a” text_font_size=”44px” header_text_color=”#FFFFFF” text_orientation=”center” max_width=”700px” module_alignment=”center” global_colors_info=”{}”]@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF90aXRsZSIsInNldHRpbmdzIjp7ImJlZm9yZSI6IjxoMT4iLCJhZnRlciI6IjwvaDE+In19@[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ background_color=”#24314B” use_background_color_gradient=”on” background_color_gradient_stops=”#24314b 50%|#ffffff 50%” background_color_gradient_start=”#24314b” background_color_gradient_start_position=”50%” background_color_gradient_end=”#ffffff” background_color_gradient_end_position=”0%” custom_padding=”30px||30px||true|false” locked=”off” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ custom_padding=”0px||0px||true|false”
- [TPP 39: Is Death the Greatest Teacher for Trapped Physicians?](https://thephysicianphilosopher.com/tpp/tpp39/) - If you're not careful, you can easily go through life on auto-pilot working as hard as possible but never making time for what is important. You can get clarity on what is important in your life by focusing on death. Learn how in this episode.
- [TPP 41: How Trapped Physicians Can Put Themselves First](https://thephysicianphilosopher.com/tpp/tpp41/) - While many physicians can relate to, “The Physician First Mentality,” it is not always obvious how to actually do this. So today you will learn what steps you can take to begin to put yourself first. What shifts you need to make and how to begin to empower yourself.
- [TPP #20: Building a Hell Yes Policy](https://thephysicianphilosopher.com/tpp/tpp20/) - When you say, “Living the dream,” do you actually want to mean it? I’ll teach you how with your very own Hell Yes Policy!
- [TPP #21: Choose Curiosity Over Shame](https://thephysicianphilosopher.com/tpp/tpp21/) - How do you treat yourself when you “fail” at the things you’re working at? You have no reason to be ashamed! Learn about you and know you can always try something new next time!
- [TPP #22: 4 Reasons to Stop Being a People Pleaser](https://thephysicianphilosopher.com/tpp/tpp22/) - It may seem like the right thing to make people happy, but it can actually ruin your life. Keep listening so you can know why you need to stop being a people pleaser.
- [Practicing Medicine On Your Own Terms with Dr. Vikram Raya](https://thephysicianphilosopher.com/tpp/practicing-medicine-on-your-own-terms-with-dr-vikram-raya/) - Physicians that have carved out a life they love through entrepreneurship have one major thing in common: they work on their mindset. I once had massive skepticism about mindset work and coaching. But there's a reason why people say that when it comes to personal finance, it's 20% math, 80% mindset. If you’ve been around here for a while, you’ve come to hear that phrase over and over and over.
- [What Stops Doctors From Making a Change](https://thephysicianphilosopher.com/tpp/what-stops-doctors-from-making-a-change/) - Why are so many intelligent, educated, and hard-working physicians struggling? Why don’t they just take themselves out of their current situation and find something better?
- [Should a Doctor Go Into Academics or Private Practice?](https://thephysicianphilosopher.com/tpp/should-a-doctor-go-into-academics-or-private-practice/) - I tell my residents that academics is about depth and private practice is about breadth. In a lot of specialist fields, the private practice opportunities can provide some of that breadth. What you choose really depends on your preferences and how you feel you can work best in a given environment when weighed against all the factors that are important to you.
- [TPP #60: The Importance of Physician Self-Care](https://thephysicianphilosopher.com/tpp/tpp60/) - Self-compassion does not come easily to many physicians, but it is one of the most important things we can do for ourselves, families, and patients. Listen to today’s episode to learn how you can start making self-care a priority in your life and why you need to start sooner rather than later.
- [TPP #61: The Year of Yes](https://thephysicianphilosopher.com/tpp/tpp61/) - It is usually at this time that many physicians make goals for the New Year. But half way through the year, most have fallen off the path to reach their goals. So, what happens? Why don’t we tend to stick to the goals we set each year? Listen today to find out why this happens and what doctors can do to make sure that they actually meet their goals!
- [TPP #62: The Self Determined Physician (Burned Out to BadA$$)](https://thephysicianphilosopher.com/tpp/tpp62/) - You don’t have to fall victim to the system and I can show you how to go from burned out to a Self-Determined Physician with the work-life balance you are desperately searching for. Listen to today’s episode to learn more.
- [TPP #63: Creating More Time and Money as Doctors](https://thephysicianphilosopher.com/tpp/tpp63/) - What is holding you back from setting boundaries in multiple areas of your life? In today’s episode I am going to dive into why the solution to a more balanced life as a doctor is setting boundaries and the one tool that can help you.
- [TPP #64: The Importance of Financial Freedom and Mindset with Dr. Daniel Shin](https://thephysicianphilosopher.com/tpp/tpp64/) - Dr. Daniel Shin, the Darwinian Doctor, is a practicing urologic surgeon. He's also a really experienced investor, in particular, in real estate. Daniel is not only successful in the financial realm, but he's also a prior client of the Alpha Coaching Experience. He has lived and experienced how doctors can really tie together the three things that we focus on the most- your mindset, your money, and your time.
- [TPP #65: The Difference Between Simple and Easy](https://thephysicianphilosopher.com/tpp/tpp65/) - Have you ever wondered why you have a hard time sticking to your goals? Maybe you think it is willpower or motivation? Maybe you think you end up not having enough time to put in the work required? What you will learn in today’s episode is the ONE thing you need to know to reach your goal.
- [TPP #66: What Communism and Physician Culture Have in Common](https://thephysicianphilosopher.com/tpp/tpp66/) - Burnout in medicine is expensive. Each year it costs us billions of dollars. What if the healthcare industry can transition to a different model of care that centers people over profit? When leaders learn to choose people first, the results are positive and endless. In this episode, I spend some time explaining a fundamental concept that will help physician leaders make a decision that not only reduces burnout but provides a return on their investment.
- [TPP #67: Money Matters: When Losing Feels Like Winning](https://thephysicianphilosopher.com/tpp/tpp67/) - When you learn to act in spite of the risk of fear and failure, that’s when you can unlock financial success. It is also when you can make the change you need to make at work. If we want the freedom that money can provide, we must operate against our fear-based money mindset.
- [TPP #68: What Pizza Can Teach Physicians About Priorities](https://thephysicianphilosopher.com/tpp/tpp68/) - The natural process that most people go through when trying to gain clarity often complicates things. But what happens if you start with a clean slate and build up to your ideal situation?
- [TPP #69: Money and Mindset with the Prudent Plastic Surgeon](https://thephysicianphilosopher.com/tpp/tpp69/) - In this episode, the Prudent Plastic Surgeon and I discuss money and mindset. We dive into his burnout experience following his fellowship, how his mindset shifted when he established a financial plan, and his equation for reaching nearly $1 million in assets. After all, money is a double-edged sword. It can be used as a weapon to bludgeon you into submission or to provide great freedom in your life.
- [TPP #70: Family, Finances, and Faith with Rogue Dad MD](https://thephysicianphilosopher.com/tpp/tpp70/) - This week, Dr. Fahd Ahmad from Rogue Dad MD joins me for a discussion about divorce, money, faith, and how those things interact with being a parent and physician. When we give voice to our experiences and shame, it brings light and might resonate with someone else
- [TPP #71: Physician Suicide and Moral Injury](https://thephysicianphilosopher.com/tpp/tpp71/) - This show is not for the faint of heart. We discuss some very real topics in it including physician suicide, physician disability, and physician burnout. Link: https://thephysicianlifecoach.com
- [TPP #73: The Importance of Cash Flow in Physician Personal Finances](https://thephysicianphilosopher.com/tpp/tpp73/) - One of the ways that burned out doctors can reduce stress is to learn how to properly wield cash flow as a weapon to achieve their life goals. This does not mean working more hours at the hospital. Actually, it is quite the opposite.
- [TPP #74: Finding Work-Life Balance as a Physician](https://thephysicianphilosopher.com/tpp/tpp74/) - How can we find balance as physicians with all the daily responsibilities that we face? In today’s episode we’ll learn three ways to prioritize your time as a busy physician to create a healthy work-life balance that will allow you to fall back in love with medicine.
- [TPP #75: Imposter Syndrome in Medicine - How Doctors Can Overcome](https://thephysicianphilosopher.com/tpp/tpp75/) - One of the most popular methods to deal with this has been to fake it till you make it. The problem, of course, is that this doesn’t work. You can’t outrun the internal work of figuring out who and what you are. In today’s episode of The Physician Philosopher podcast we dive into a few tools you can use to defeat impostor syndrome.
- [TPP #76: The Benefits of a Disciplined Life](https://thephysicianphilosopher.com/tpp/tpp76/) - It turns out that very few of us are naturally skilled at discipline by nature. Most of us have to learn how to be more disciplined and that's why In today’s episode of The Physician Philosopher Podcast will teach you how you can incorporate more discipline into your life.
- [TPP 77: #Money: Slaying Medical Student Loans With Dr. Lisha Taylor](https://thephysicianphilosopher.com/tpp/tpp77/) - In today’s episode of The Physician Philosopher podcast I am joined by Dr. Lisha Taylor - a family medicine physician, student loan slayer, and Do-It-Yourself personal finance guru, and we are diving into ways you can avoid accumulating five or six -figure student loans.
- [TPP 78: Doctor Fitness with The White Coat Trainer](https://thephysicianphilosopher.com/tpp/tpp78/) - On Episode 78 of The Physician Philosopher we talked all about balancing life, money, and mindset with fitness in mind. Dr. Alex Robles, a NASM certified personal trainer and OBGYN, helped us get a grasp on how we can juggle the demands of working out and eating right with the demands of our everyday lives and careers.
- [TPP 79: Bonds, I Bonds. Is it Worth the Hype?](https://thephysicianphilosopher.com/tpp/tpp79/) - Unless you have been living under a financial rock, you have probably heard about investing in I Bonds recently. It seems to be all the rage right now, but is it worth it? As you know there are different types of investments available to you, and bonds are one of them. There are also a lot of different types of bonds available, but I Bonds have been what everybody has been talking about lately. Are they just another financial gimmick?
- [How Virtual Assistants Can Benefit Doctors](https://thephysicianphilosopher.com/tpp/how-virtual-assistants-can-benefit-doctors/) - I'm a big fan of delegating tasks and freeing up my time so that I can focus on what I need to focus on in my business. And finding work-life balance (or life-life balance as some people like to call it) is one of the most common things doctors want. But how do we go about finding that?
- [TPP 80: How Busy Physicians Can Rest (Reframing Productivity)](https://thephysicianphilosopher.com/tpp/tpp80/) - Today I'm going to share 5 essential rules for a productive day. So, what happens when you try to rest? Does your break feel productive or do you feel lazy? Do you feel a constant need to be productive? After a successful and productive day, do you feel like you deserve your rest? A lot of us feel like we're never doing enough. ➡️ Listen to Episode 80 to learn how to reframe rest and learn to live in the now.
- [TPP 81: The Opportunity Cost of Emergency Funds for Doctors](https://thephysicianphilosopher.com/tpp/tpp81/) - The purpose of emergency funds is to be separate, accessible, and available when you need. But is an emergency fund really just a huge opportunity cost for most doctors? Join Dr.Lisha and I as we dive into everything you need to know on emergency funds.
- [TPP 82: How a Doctor Can Make Seven Figures with Dr. Una](https://thephysicianphilosopher.com/tpp/tpp82/) - The landscape of medicine is changing and every doctor could benefit from non-medical income. If you ever thought about starting a business but you didn’t know join Dr. Nneka Unachukwu and I on this week's episode of The Physician Philosopher podcast to learn how. PS - if you want to increase your financial literacy in order to get to financial independence faster, then make sure to sign up for the 2-Day Financial Freedom Workshop for Physicians that I’ll be running on June 14th and June 16th. You can register for the event and download your Financial Freedom Toolkit PDF by going to thephysicianphilosopher.com/workshop!
- [TPP 83: Do Doctors Need Budgets?](https://thephysicianphilosopher.com/tpp/tpp83/) - Giving every single dollar a job is a highly effective way to find financial success. Yet, it is also a highly successful way to stress both me and my marriage out. I’m just not a detail-oriented person. When I started becoming financially literate, I was bound and determined to find another way to achieve our financial goals. PS - if you want to increase your financial literacy in order to get to financial independence faster, then make sure to sign up for the 2-Day Financial Freedom Workshop for Physicians that I’ll be running on June 14th and June 16th. You can register for the event and download your Financial Freedom Toolkit PDF by going to thephysicianphilosopher.com/workshop!
- [TPP 84: The 3 Best Financial Mindsets for Physicians](https://thephysicianphilosopher.com/tpp/tpp84/) - Money is a tool, it’s not the means to an end. If you can learn medicine, you can learn how to create a positive money mindset. Lose your fear of making financial mistakes and get started now. P.s Learn how to create the FINANCIAL FREEDOM to make practicing medicine OPTIONAL!
- [TPP 86: Finding Your Self-Worth as a Physician](https://thephysicianphilosopher.com/tpp/tpp86/) - How often do you look for external validation for your self-worth? When our goals and ambitions are determined by what makes other people happy, our focus is not on what will actually make us happy. Our vision is taken off of what our own purpose and connection is in life. Listen to episode 86 of The Physician Philosopher podcast and learn where this often comes from, and how to defeat it. https://thephysicianphilosopher.com/alpha-coaching-experience/
- [TPP 87: Can Money Buy Doctors Happiness?](https://thephysicianphilosopher.com/tpp/tpp87/) - Did you hear I recently purchased a third car?? All the science says this is the dumbest thing in the world to do…but is it? Join me on this weeks Podcast talk about ways people can find happiness using money and what the studies say.
- [TPP 88: How Burned-Out Doctors Can Thrive in a Broken Medical System (Determined Book Release)](https://thephysicianphilosopher.com/tpp/tpp88/) - This episode is different from our typical episodes on The Physician Philosopher Podcast. Today, I have something special that I want to share with you, and I want you to share this episode with all of your friends in medicine. My biggest goal is to empower doctors while also fixing our broken medical system. And one of the ways that I am going to achieve that goal is by sharing tools and strategies with all physicians in a manner that is easily accessible.
- [TPP 89: How My Friend Had $100,000 in Student Loans Forgiven](https://thephysicianphilosopher.com/tpp/tpp89/) - Unless you’ve been hiding under a rock, you probably know that a lot has changed about student loans in the last year or two. There are a lot of changes happening for a lot of people who are going into fellowship, residency, or becoming an attending, and it is time to dig into your student loans. The Covid Waiver is only available until October 31, 2022, so don’t put this off! The government is going above and beyond to make the Public Service Loan Forgiveness program work. When you personally see people getting six figures forgiven, it opens your eyes and helps you trust and verify this program. On this episode of the Physician, Philosopher podcast join DR.Lisha and me as we dive deeper into getting loans forgiven Share this with a friend because you never know, you might save your friend $100,000 in student debt!
- [TPP 90: Finding Purpose and Connection Outside of Medicine w/ Dr. Jordan Grumet](https://thephysicianphilosopher.com/tpp/tpp90/) - Finding purpose in life outside of medicine can be challenging for many doctors. In this episode, I interview a good friend of mine, Dr. Jordan Grumet, a hospice and palliative care doctor who discovered financial independence to ward off physician burnout. We talk about some key ideas from his upcoming book, about the things I have been working through personally over the last two years, and a topic that MANY doctors ignore until it is too late. Listen in as we talk about how doctors can gain financial independence in order to live a fulfilling life that is full of purpose, connection, and identity.
- [TPP 91: The Top 5 Financial Tasks for Physicians](https://thephysicianphilosopher.com/tpp/tpp91/) - Staying financially healthy during transitions is hard.Summertime is a time of transition in medicine.How do you stay on the right path financially during these transitions?
- [TPP 92: Should You Leave Medicine? with Chelsea Turgeon, MD](https://thephysicianphilosopher.com/tpp/tpp92/) - Physicians often reach out to me for advice about whether they should quit being a physician. I have a hard time giving advice on that subject because it seems like there are really only two options. The first option is to tough it out and finish what you started. The second option is to follow your dreams, even if they lead you away from medicine. So how do you know which path to take?
- [The Benefits of a Roth IRA for Doctors](https://thephysicianphilosopher.com/tpp/the-benefits-of-a-roth-ira-for-doctors/) - Today, Dr. Lisha Taylor and I are going to be talking about Roth IRA money for physicians. This is an important topic because doctors often need to use any tax-advantaged space they can get their hands on since we normally have a high savings rate.
- [TPP #72: Finding Happiness in Medicine as a Doctor](https://thephysicianphilosopher.com/tpp/tpp72/) - This show is not for the faint of heart. We discuss some very real topics in it including physician suicide, physician disability, and physician burnout. Link: https://thelifecoachphysician.com
- [TPP #15: Changing Jobs: 3 Tools to Help You Make the Decision](https://thephysicianphilosopher.com/tpp/changing-jobs/) - [et_pb_section fb_built=”1″ _builder_version=”4.8.2″ background_color=”#24314B” custom_padding=”100px||0px||false|false” locked=”off”][et_pb_row _builder_version=”4.8.2″ max_width=”650px”][et_pb_column type=”4_4″ _builder_version=”4.3.3″][et_pb_text _builder_version=”4.8.2″ text_font=”Montserrat|700||on|||||” text_text_color=”#E9AE4C” link_font=”Montserrat|700||on|||||” link_text_color=”#E9AE4C” text_orientation=”center” max_width=”700px” module_alignment=”center” custom_margin=”||24px|||” link_option_url=”/podcasts/the-physician-philosopher/”] The Physician Philosopher Podcast [/et_pb_text][et_pb_text _builder_version=”4.8.2″ _dynamic_attributes=”content” text_font=”|300|||||||” text_text_color=”#3a373a” text_font_size=”44px” header_text_color=”#FFFFFF” text_orientation=”center” max_width=”700px” module_alignment=”center”]@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF90aXRsZSIsInNldHRpbmdzIjp7ImJlZm9yZSI6IjxoMT4iLCJhZnRlciI6IjwvaDE+In19@[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.9.0″ background_color=”#24314B” use_background_color_gradient=”on” background_color_gradient_start=”#24314b” background_color_gradient_end=”#ffffff” background_color_gradient_start_position=”50%” background_color_gradient_end_position=”0%” custom_padding=”30px||30px||true|false” locked=”off”][et_pb_row _builder_version=”4.8.2″ custom_padding=”0px||0px||true|false”][et_pb_column type=”4_4″ _builder_version=”4.3.3″][et_pb_code _builder_version=”4.9.2″ _module_preset=”default” background_color=”#E9AD4B” max_width=”650px” module_alignment=”center” min_height=”60px”] [/et_pb_code][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section
- [TPP #6: Alpha Coaching with Dr. Dan Presutti](https://thephysicianphilosopher.com/tpp/alpha-coaching-with-dr-dan-presutti/) - I want to introduce you to someone who is pursuing his life coaching certification and is going to be a part of the Alpha Group coaching experience. Meet Dr. Dan Presutti.
- [TPP #2: Start Before You Are Ready](https://thephysicianphilosopher.com/tpp/start-before-you-are-ready/) - What’s holding you back? What’s keeping you from moving forward? For so many, it’s the fear of failure. Don’t let anything stop you. Learn to get started on your dreams before you’re even ready.
- [TPP #11: The Fear of Failure](https://thephysicianphilosopher.com/tpp/the-fear-of-failure/) - Failure is a common fear that so many of us suffer from. Unfortunately, this fear is also holding so many of us back from success. Learn to overcome this fear to get the results you dream of.
- [TPP #8: Take the Edge Off Without Alcohol](https://thephysicianphilosopher.com/tpp/take-the-edge-off-without-alcohol/) - Have you ever found yourself drinking to take the edge off a hard day or a stressful situation? Learn how you can stop this struggle today!
- [TPP #16: YOLO vs. FIRE](https://thephysicianphilosopher.com/tpp/tpp-16/) - Are you living the life you’ve always wanted? Or are you letting something holding you back? What if you don’t have to do that? Keep reading to find how to change your life.

## MMM Podcasts

- [Following the Financial Crowd](https://thephysicianphilosopher.com/mmm/following-the-financial-crowd/) - Have you ever left a sporting event, following the crowd, and suddenly realized you were walking the wrong way? What if I told you this phenomenon has a name, and it impacts your money, too? Understanding our own behavior when it comes to finance is essential because it helps us mitigate wrong-for-us decision making around money. Unless you know these roadblocks exist, you can’t do much to stop them from derailing your financial goals. Last week, we shared why human behavior matters for our financial lives by taking a look at the first 5 out of 10 psychological phenomena that can (and do) affect your personal finance goals: greed, fear, ego/overconfidence, loss aversion, and analysis paralysis. This week, we’re diving back into behavioral finance (one of our favorite topics) to share five more types of unchecked human behavior that can sabotage your journey to building the wealth you want.
- [Greed, FOMO, and Bad Investments](https://thephysicianphilosopher.com/mmm/greed-fomo-and-bad-investments/) - Despite our best intentions, certain emotions can keep us from building wealth. After many years arming physicians with the information they need to achieve financial wellness, I had a significant realization. Information is one thing – behavior is another. As the saying goes, money is 80% behavior and only 20% math. Not only do I want to share important information about personal finance, I also want to help you recognize how certain behaviors can (and do) affect your finances. Drawing from one of the classic books about investing, let’s go over five common behaviors that could be keeping you from achieving your financial goals.
- [How Doctors Can Get Good Financial Advice](https://thephysicianphilosopher.com/mmm/how-doctors-can-get-good-financial-advice/) - Many doctors and high-income professionals hire financial advisors for any number of reasons. Either they’re too busy to handle their finances themselves, they don’t really know how to invest, or they want an expert on their side to make sure they’re on the right track. So allow me to say from the start: I’m not against financial advisors, but I am against doctors (or anyone, really) being overcharged for bad advice. There’s no shame in asking for help – you just want to get the help you need at a fair price. You should be equipped enough to vet and evaluate your financial advisor so you’ll know whether they’re working well on your behalf. How can you be as confident as possible they’re acting in your best interest? This episode will help you find out.
- [Dr. Peter Kim and Physician Entrepreneurship](https://thephysicianphilosopher.com/mmm/dr-peter-kim-and-physician-entrepreneurship/) - Have you ever thought about using real estate to reach financial independence, but you didn't want to be a landlord? Recently I sat down with one of my good friends and one of the OG partners of The Physician Philosopher. He’s an anesthesiologist, husband, father, entrepreneur, as well as a real estate and physician side gig guru – of course, I’m talking about Dr. Peter Kim. One of the interesting things about Peter's story is his transition from full-time practice as an OB anesthesiologist to stepping away from medicine and going part-time, to now his being on sabbatical. He's not sure if that's a permanent sabbatical or not, so we got to explore his thought process on that and his story. So let’s dive into this discussion with Dr. Peter Kim and the intersection of all things entrepreneurship, side gigs, medicine, money, and real estate. Need help getting disability insurance or student loan help from a company built by doctors, for doctors? Make sure to check out HelloAttend.com
- [Disappointing Physician Income and The Arrival Fallacy](https://thephysicianphilosopher.com/mmm/disappointing-physician-income-and-the-arrival-fallacy/) - How does the arrival fallacy come into play when we reach attending status and start pulling in a whole new pay grade? Let’s examine that…
- [Physician Finance Q&A with Dr. Hala Sabry of Physician Moms Group](https://thephysicianphilosopher.com/mmm/physician-finance-qa-with-d-hala-sabry-of-physician-moms-group/) - My colleague Lisha and I recently had a conversation with Dr. Hala Sabry, emergency medicine physician and founder of Physician Moms Group, a private online physicians community made up of over 120,000 physicians. Hala is passionate about helping women physicians fulfill their professional goals and discover the legacy they want to create – which includes building and managing wealth.
- [Doctors in Venture Capitalism with Dr. Omar Nije](https://thephysicianphilosopher.com/mmm/doctors-in-venture-capitalism-with-dr-omar-nije/) - Dr. Nije’s perspective is unique because he’s both a physician AND a principal, but not in public education. He’s a principal at a venture capitalist firm, which is a world that most physicians I know haven’t been exposed to. Up until about 6 months ago, it was something I didn’t know much about myself.
- [Are You Ready for September Student Loan Changes?](https://thephysicianphilosopher.com/mmm/are-you-ready-for-september-student-loan-changes/) - As they say, the only constant in life is change. The same is true when it comes to the resuming of student loan payments this fall. Staying up-to-date on all the relevant information is key to effectively managing your student loans. But the student loan landscape is changing fast. So we’re here to help. Since we last spoke about student loans in July, more important updates to loan terms have been released. If you’re someone with student loans who wants to make sure you have everything in order before payments resume September 1, let’s talk about the factors you should be aware of so you’re as prepared as possible. Looking for a comprehensive financial platform for doctors, by doctors that will help you to secure your financial future? Make sure to check out HelloAttend.com
- [Talking About Finances With Your Partner](https://thephysicianphilosopher.com/mmm/talking-about-finances-with-your-partner/) - According to studies conducted by the American Psychological Association, the number one financial stressor for households is money - personal finance. That makes talking about money with your partner a really important topic for everybody to understand.
- [The Importance of Keeping Investing Stupid Simple (KISS)](https://thephysicianphilosopher.com/mmm/the-importance-of-keeping-investing-stupid-simple/) - Did you know that when it comes to investing, keeping it simple often leads to better returns? Keeping it simple is not just my or Lisha’s opinion - studies show that this is a more effective, sustainable way to go about investing.
- [What’s Your Plan for Student Loans Once the Payment Pause Ends?](https://thephysicianphilosopher.com/mmm/whats-your-plan-for-student-loans-once-the-payment-pause-ends/) - For those who have no idea what to do with the upcoming student loan payments restarting, and the millions who will need to enroll in a student loan plan… are you overwhelmed yet? Tune in for step-by-step instructions on how to figure out your best options for student loan repayment.
- [Personal Finances and Summer Vacation](https://thephysicianphilosopher.com/mmm/personal-finances-and-summer-vacation/) - Whether you’re planning to take a vacation this summer or in the near future, you may be looking for some financially savvy ways to prepare. Lucky for you, one of the secrets of life that I've learned is how to incorporate intentional planning when it comes to personal finances and summer vacation. That’s what this week’s Money Meets Medicine podcast is all about. Just a few of the topics we’ll cover include: 3 ways vacation gives us psychological benefits How to be intentional about taking vacation Saving for vacation in a way that works for you Tips for making travel more manageable Looking for a comprehensive financial platform for doctors, by doctors that will help you to secure your financial future? Make sure to check out HelloAttend.com
- [Dr. Glaucomflecken Talks Personal Finance](https://thephysicianphilosopher.com/mmm/dr-glaucomflecken-talks-personal-finance/) - We interview Will Flanary, who is perhaps better known by his comedic stage name: Dr. Glaucomflecken. Just a few of the awesome topics we cover in our conversation: Charitable giving Will’s battle with testicular cancer and the time he had a cardiac arrest His thoughts on physician side gigs and residents unionizing … he even shares his biggest personal finance mistake Looking for a comprehensive financial platform for doctors, by doctors that will help you to secure your financial future? Make sure to check out HelloAttend.com
- [Financial Considerations When Starting a Job](https://thephysicianphilosopher.com/mmm/financial-considerations-when-starting-a-job/) - July is the time of year when those in the medical field experience the most transition – whether to your next level of training, moving to a new institution for fellowship or residency, or taking your first job as an attending. It can be overwhelming. Make sure you’re equipped with the right questions to ask to make your job transition less intimidating and stressful. Here are a few financial considerations to make when you’re starting a job. Looking for a comprehensive financial platform for doctors, by doctors that will help you to secure your financial future? Make sure to check out HelloAttend.com
- [9 Considerations When Changing Jobs](https://thephysicianphilosopher.com/mmm/9-considerations-when-changing-jobs/) - 50% of doctors change jobs in the first 2-4 years of their career, but knowing how to properly handle a job transition is relevant to every physician at every stage of their career. Financial advice for doctors doesn’t often cover this topic, so we’re more than happy to dive into it with you here. Maybe you’re coming out of your first job in training, maybe you’re an attending changing jobs, or you’re moving out of academics to another field. You honestly don’t know when certain opportunities will arise, or how life will happen and cause you to change your plans.
- [Everything You Need to Know About Student Loans as a Doctor in 2023](https://thephysicianphilosopher.com/mmm/everything-you-need-to-know-about-student-loans-as-a-doctor-in-2023/) - You may have already heard about President Biden’s student loan forgiveness plans, but what does that mean for you? We’re covering those qualifiers today, plus identifying three 2023 dates in particular that really matter for those managing student loan debt. Join us as we walk through those three important dates, what they mean, as well as the potential impact. Plus: find out how to make sure you don’t get stuck with a surprise 4-figure loan payment. It’s everything you need to know about student loans as a doctor in 2023. Full disclaimer: this episode was recorded in advance. Please know any of this information could change at any time, but all information is true and correct to the best of our knowledge as of the time we shared it with you.
- [How To Save Money and Still Enjoy Life](https://thephysicianphilosopher.com/mmm/how-to-save-money-and-still-enjoy-life/) - Did you know that it's possible to make great financial progress while you spend money on things you enjoy? Yep, you read that right. You can figure out how to save money and still enjoy life. It might be surprising to hear this in the financial space, but you worked hard to get to where you are. You already know saving money as a doctor is important. But you also deserve to enjoy some of the spoils and riches of all of the work you put in to go through college, medical school, and residency.
- [Are Bonds a Good Investment for Doctors?](https://thephysicianphilosopher.com/mmm/are-bonds-a-good-investment-for-doctors/) - Did you know that as interest rates rise, the value of bonds falls? Should you even care about that? Are bonds a good investment for doctors? In this episode, we’re tackling these questions and discussing the purpose of bonds in a doctor's portfolio, as well as the nuance of our current high interest environment
- [Pre-tax vs Roth Investments: Which Is Right For You?](https://thephysicianphilosopher.com/mmm/pre-tax-vs-roth-investments-which-is-right-for-you/) - Maybe you're starting your intern year and you're considering investing as one of your steps in that journey. As July approaches, maybe you’re transitioning as a trainee from an institution or to a new job, you might be asking yourself, “Should I be investing in pre-tax vs Roth?” It’s a really interesting topic and an important question, especially as interest rates and inflation changes.
- [The Diminishing Return of Working More](https://thephysicianphilosopher.com/mmm/the-diminishing-return-of-working-more/) - It often pays to work smarter, not harder, yet many doctors put in more and more hours to make more money in medicine. But is working more always a good idea?
- [Money Mistakes We Made In 2022](https://thephysicianphilosopher.com/mmm/high-interest-environment-invest-or-pay-off-debt/) - With inflation and interest rates being what they are, one of the most common questions that we get nowadays is, “Should I invest or pay off debt? What should I be doing with my money?”
- [Money Mistakes We Made In 2022](https://thephysicianphilosopher.com/mmm/money-mistakes-we-made-in-2022/) - Physician finance isn’t your run-of-the-mill financial strategy. We have certain exceptions and special circumstances to watch out for. And sometimes even the most seasoned pro can make money mistakes. We’re still human, after all. So let’s normalize the idea that we’ll run into snags and learn new lessons as we work to figure out our personal finance goals.
- [Superpowers of a Taxable Brokerage Account](https://thephysicianphilosopher.com/mmm/superpowers-of-a-taxable-brokerage-account/) - One of the things you'll know about us at Money Meets Medicine is that we're big proponents of saving or investing money. When you get to the point as a physician where you think, “All right, I'm going to start investing money”, your next question usually is: “How do I do that?” For a lot of physicians, one of the easiest ways to get started is by investing through your retirement accounts at your job. Many doctors choose to invest through retirement accounts because of the tax benefits that those accounts give you. But a taxable brokerage account is an investment option outside your typical retirement accounts.
- [What To Do With Unexpected Money](https://thephysicianphilosopher.com/mmm/what-to-do-with-unexpected-money/) - A lot of us have an idea of what we should do with money that we earn on a regular basis from our physician jobs. Oftentimes it goes towards our typical cost of living expenses: bills, debts, savings, investments. But what about money you get that you weren't expecting? Because yes, most of us will, at some point, get at least a little money that we didn't expect. Regardless of the source – whether it’s an inheritance, a tax refund, or a bonus at work – we end up with one question. What should we do with this extra money?
- [Is It Wrong for Doctors to Retire Early?](https://thephysicianphilosopher.com/mmm/is-it-wrong-for-doctors-to-retire-early/) - When it comes to doctors retiring early because of F.I.R.E. (financial independence retire early), there’s an inevitable argument made against it and why it’s ethically wrong for physicians to do. That argument says unless you practice medicine until the day you die, it's unacceptable. Whether it’s citing a physician shortage that doesn’t really exist or feeling as though doctors shouldn’t retire early because we’re doing something good for society, some feel like we should give of our time, skills, and talents as long as possible, discounting the sacrifices that doctors have already made up until this point. They don’t realize that a 30 year career is actually 40 based on the amount of hours most physicians work in a week. But… Why even have this conversation? Are doctors actually retiring early? Doximity’s 2021 study found that 21.8% of physicians considered early retirement due to overwork. Around 25% of women physicians considered early retirement, and 40% of medical groups saw doctors retire early from their medical group. These numbers are not small. So let’s explore some of the possibilities around F.I.R.E. for physicians that can make life feel more liveable and enjoyable again.
- [<strong>The Most Important Financial Task for Doctors</strong>](https://thephysicianphilosopher.com/mmm/the-most-important-financial-task-for-doctors/) - Physician disability insurance is something you have to get right. If you were to learn only one thing from me, this might be the one thing that I would want you to know. It’s the reason that Money Meets Medicine exists, and why I started The Physician Philosopher. Your most important financial asset is your ability to earn an income. You work hard to get your training protecting this asset, and your ability to accumulate an income and everything else we teach you doesn't matter if you don't make money first. This is why physician disability insurance is so important. But there are a lot of misconceptions about disability insurance, and our goal here is to clear some of that up.
- [Show Me the Money (In the Financial Industry)](https://thephysicianphilosopher.com/mmm/show-me-the-money-in-the-financial-industry/) - The personal finance industry is meant to help you manage your assets, but particularly for doctors, many questions remain around what that kind of support actually means. Does your financial advisor have your best interest at heart? Do you know how they get paid? Are they transparent in their disclosures about how their company actually works? Where are the conflicts of interest? Because you can rest assured there are conflicts of interest. It’s just a matter of how they show up. And once you can say “Show me the money” and find them, that’s when you can make intentional, informed decisions regarding your personal finance. In tackling this topic, we wanted to acknowledge the two main reasons you may be considering your options for charitable giving, especially as a high-earning physician. One is that you may have religious convictions that make you feel more inclined to give. Even if you don’t hold to the same belief system that we do – specifically around tithing and the historical background of that concept – giving to your community is very valuable. Not just for the recipient, but for you, the giver. This leads us into reason two, which is that giving money (or other valuable resources) and helping others has been shown to increase long-term satisfaction and fulfillment in your life. There’s also a practical side of financial charitable giving to consider, which are the tax advantages you can use to create the most bang for your buck - literally.
- [How Much Money Should Doctors Save?](https://thephysicianphilosopher.com/mmm/how-much-money-should-doctors-save/) - One thing we can agree on about today’s topic is this: doctors historically are under-savers. But when it comes to physician money management, exactly how much doctors should be saving is hotly contested. How much and how you save is going to depend on your own financial goals and your current situation - the status of your student loans, whether you’re married or have kids or plan to start a family when you want to retire, etc. In this episode, we’ll give you two different options for figuring out how much money you should save - regardless of your situation.
- [<strong>Tax Loopholes for Doctors</strong>](https://thephysicianphilosopher.com/mmm/tax-loopholes-for-doctors/) - You might be looking for tax loopholes for doctors as we enter everyone’s favorite time of year. The truth is there are tips and tricks that you likely are not taking advantage of as a doctor that will help you reduce your taxes. In this episode, we will give you the top things you can do now (and for the future) to save money on your taxes as a doctor.
- [The Benefits of a Roth IRA for Doctors](https://thephysicianphilosopher.com/mmm/the-benefits-of-a-roth-ira-for-doctors/) - Everyone has heard of a backdoor Roth IRA, but what’s the big deal with Roth IRA’s anyway? Today, Dr. Lisha Taylor and I are going to be talking about Roth IRA money for physicians. This is an important topic because doctors often need to use any tax-advantaged space they can get their hands on since we normally have a high savings rate. So join us today to learn what a Roth IRA is and why you should seriously consider one as a physician.
- [<strong>How to Teach Doctors About Money And Create A Personal Finance Curriculum</strong>](https://thephysicianphilosopher.com/mmm/how-to-teach-doctors-about-money-and-create-a-personal-finance-curriculum/) - Because of Lisha and my personal journey with personal finance, I know that there are medical professionals out there who want to provide personal finance lectures to others around them or maybe even create a personal finance curriculum if they are in academics. So if you are that resident or doctor interested in creating a personal finance curriculum for doctors or maybe just teaching friends and family about money, today’s episode is for you. Today we are going to be talking about how you can start teaching other doctors and medical professionals about money.
- [Should a Doctor Go Into Academics or Private Practice?](https://thephysicianphilosopher.com/mmm/should-a-doctor-go-into-academics-or-private-practice/) - In medicine, there’s a classic debate about pursuing academic jobs versus pursuing private practice: which category should a physician commit to? Admittedly, a lot of the debate focuses on the financial aspect and how that can affect the decision-making process. And of course, as a podcast focused on the power of well-managed money, we know finances are an important consideration. But there are components of the academic versus private practice discussion that are infinitely more important than money.
- [The Right Financial Advisor for a Doctor](https://thephysicianphilosopher.com/mmm/the-right-financial-advisor-for-a-doctor/) - If you’ve thought about getting financial advice from a professional but weren’t sure who to trust or how to start, you’re not alone – and your concerns are not unfounded. Our aim isn’t to make every doctor in our listenership into a financial guru, but to avoid being so reliant on a financial advisor that you don’t know what’s going on with your money. When it comes to finding a truly helpful financial advisor for doctors, certain criteria need to be met that might not need to be taken into consideration in other professions. To that end, I have a list of traits to share called The Four Fs, and it’s been really impactful in helping physicians find a financial advisor that makes sense for them.
- [Charitable Giving for Physicians](https://thephysicianphilosopher.com/mmm/charitable-giving-for-physicians/) - Does tithing or charitable giving play a part in your personal finances? Should it? As usual, we’re not shying away from taking a deep dive into a very personal topic. Personal finance is personal, maybe never more so than when it comes to deciding how you want to give back. In tackling this topic, we wanted to acknowledge the two main reasons you may be considering your options for charitable giving, especially as a high-earning physician. One is that you may have religious convictions that make you feel more inclined to give. Even if you don’t hold to the same belief system that we do – specifically around tithing and the historical background of that concept – giving to your community is very valuable. Not just for the recipient, but for you, the giver. This leads us into reason two, which is that giving money (or other valuable resources) and helping others has been shown to increase long-term satisfaction and fulfillment in your life. There’s also a practical side of financial charitable giving to consider, which are the tax advantages you can use to create the most bang for your buck - literally.
- [Making the Most of Your Paycheck](https://thephysicianphilosopher.com/mmm/making-the-most-of-your-paycheck/) - You’ve done it - your training is complete and now you’re finally getting a paycheck fit for an attending physician. You think, “I’ve arrived! I’m going to start making so much more money.” Famous last words. If you’re not prepared, that is. Seemingly unassuming, everyday expenses still have the potential to wreck your new paycheck and your budget. I’ve seen it many times over the years: you try to be careful, but you (understandably) want to enjoy your hard-earned money. Costs creep up on you, things snowball. Suddenly, your post-tax paycheck is no different than it was in residency. You thought you knew how to spend money wisely, but now you wonder, “What was the point of all my hard work to get here?” Don’t worry. You can still enjoy the money you make while being aware of five main money traps that a high-income earner like you could be susceptible to if you’re not paying attention.
- [7 Ways to Avoid Early Retirement Tax](https://thephysicianphilosopher.com/mmm/7-ways-to-avoid-early-retirement-tax/) - Specifically, how do you even access your retirement funds ahead of time? Because there’s a 10% tax penalty for early retirement withdrawal before you reach age 59 and a half. And that’s on top of the amount you’re already set to be taxed for using pre-tax funds. So… what gives?If you want to retire by age 45 or 50, you have to know how to bridge that 10% gap. So we’ve compiled several different options you can research (because personal finance is personal) and make educated choices towards your own early retirement goals.
- [<strong>The 7 Personal Finance Resolutions for the New Year Doctors Should Have</strong>](https://thephysicianphilosopher.com/mmm/the-7-personal-finance-resolutions-for-the-new-year-doctors-should-have/) - Doc, are you thinking about making some New Year’s resolutions that involve your personal finances? Hopefully that is a loud YES. Well, today on the podcast we are talking all about financial goals for the New Year that you likely have as a physician.
- [Money Mistakes Doctors Make](https://thephysicianphilosopher.com/mmm/money-mistakes-doctors-make/) - Let’s be honest… we all love learning from other people’s financial mistakes. It is like a slow-motion car accident. You just can’t take your eyes away. Money mistakes are going to happen, and we are going to discuss a few common financial mistakes that doctors make. Come join Lisha and I as we discuss our share of financial mistakes, and some of them are very common and might resonate with you on episode this episode of Money Meets Medicine.
- [Student Loan Changes: Everything Doctors Need to Know](https://thephysicianphilosopher.com/mmm/student-loan-changes-everything-doctors-need-to-know/) - With all the recent changes surrounding student loans, it’s easy to fall out of the loop. If you’re not up-to-date on public service loan forgiveness (PSLF) and other rule changes related to repayment of your medical school loans, you’ll want to tune into our conversation. We’re answering this question from a Money Meets Medicine listener: “Once I refinance my student loans, how can I get student loan forgiveness if I change my mind?”
- [Should I Use My HSA or FSA?](https://thephysicianphilosopher.com/mmm/should-i-use-my-hsa-or-fsa/) - As we head into the final months of the year, which is typically the time of year for open enrollment for benefits, lots of benefit questions inevitably arise - particularly in regards to spending accounts like HSA vs FSA.
- [5 Things About Retirement Accounts Every Doctor Should Know](https://thephysicianphilosopher.com/mmm/5-things-about-retirement-accounts-every-doctor-should-know/) - Retirement funds are one of the biggest points of financial confusion for doctors. We want to provide some clarity and understanding so you can learn what you need to know to start making your money grow. We’re going over five things about retirement accounts every doctor should know.
- [MMM #1: How Batching Might Save Your Personal Finances](https://thephysicianphilosopher.com/mmm/mmm-1/) - Have you ever felt overwhelmed by your financial tasks? That's because you aren't batching your personal finance tasks. Come find out what batching is, and how it'll help make your life easier.
- [MMM #2: Would a Financial Advisor Add Value for You?](https://thephysicianphilosopher.com/mmm/mmm-2/) - Will a financial advisor add any value for you? The answer of course is that it depends on which of the three personal finance groups you fall into... where do you fall and should you use an advisor? Come read and listen to find out.
- [MMM #3: Fitting a Peloton into Your Budget](https://thephysicianphilosopher.com/mmm/mmm-3/) - Is there something that you absolutely love to spend money on? In this episode, we not only tell you that it is okay... but that we highly encourage you to do it. Are we abandoning frugality completely? Is the site coming off the rails? Learn to spend lavishly in a guilt-free way.
- [MMM #4: Where’s The Car, Dude?](https://thephysicianphilosopher.com/mmm/life-planning/) - If you haven't gone through these exercises, there is a 100% chance your financial plan is not accurate or complete. Come read and listen to find out more.
- [MMM #5: Recovering From Financial Mistakes](https://thephysicianphilosopher.com/mmm/mmm-5/) - We've all made financial mistakes, myself included. All is not lost, though. These are mistakes are opportunities to learn. In this episode, Ryan and I discuss some of our own personal financial mistakes, common mistakes others make, and how we can recover from these mistakes.
- [MMM #6: Ways the Financial Industry Dupes Doctors](https://thephysicianphilosopher.com/mmm/episode-6-ways-the-financial-industry-dupes-doctors/) - The financial industry is not your friend. Don't believe me? Come listen to all of the common examples of how doctors get duped by financial advisors and insurance agents. You might be surprised to know that you've likely fallen for a few of these.
- [MMM #7: Pros and Cons of Joint Bank Accounts](https://thephysicianphilosopher.com/mmm/mmm-7/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ background_color=”#24314B” custom_padding=”100px||0px||false|false” locked=”off” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ max_width=”650px” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ text_font=”Montserrat|700||on|||||” text_text_color=”#E9AE4C” link_font=”Montserrat|700||on|||||” link_text_color=”#E9AE4C” text_orientation=”center” max_width=”700px” module_alignment=”center” custom_margin=”||24px|||” link_option_url=”/podcasts/the-physician-philosopher/” global_colors_info=”{}”] Money Meets Medicine Podcast [/et_pb_text][et_pb_text _builder_version=”4.16″ _dynamic_attributes=”content” text_font=”|300|||||||” text_text_color=”#3a373a” text_font_size=”44px” header_text_color=”#FFFFFF” text_orientation=”center” max_width=”700px” module_alignment=”center” global_colors_info=”{}”]@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF90aXRsZSIsInNldHRpbmdzIjp7ImJlZm9yZSI6IjxoMT4iLCJhZnRlciI6IjwvaDE+In19@[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ background_color=”#24314B” use_background_color_gradient=”on” background_color_gradient_stops=”#24314b 50%|#ffffff 50%” background_color_gradient_start=”#24314b” background_color_gradient_start_position=”50%” background_color_gradient_end=”#ffffff” background_color_gradient_end_position=”0%” custom_padding=”30px||30px||true|false” locked=”off” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ custom_padding=”0px||0px||true|false”
- [MMM #8: How Blogs and Podcasts Make Money](https://thephysicianphilosopher.com/mmm/mmm-8/) - Have you ever wondered how blogs or podcasts earn money? Even if you don't plan on starting one, you should. This will help you understand the conflicts that might exist, and how to be a better consumer of the information. Come listen as we bare all.
- [MMM #9: 5 Common Financial Mistakes Doctors Make and How To Fix It](https://thephysicianphilosopher.com/mmm/mmm-9/) - In this episode of Money Meets Medicine, you’re going to learn about the most common money mistakes made by doctors and how you can avoid them.
- [MMM #10: The Good, Bad, and Ugly of Student Loan Management](https://thephysicianphilosopher.com/mmm/mmm-10/) - Did you know that student loan debt is the second highest source of consumer debt in America? Learn to manage your student loans and save money on your debt in the newest episode of Money Meets Medicine!
- [MMM #11: 529 Plans for College Education](https://thephysicianphilosopher.com/mmm/mmm-11/) - Are you planning on paying for you children’s college? Learn everything you need to know about your state’s 529 plan!
- [MMM #12: Investing Waterfalls](https://thephysicianphilosopher.com/mmm/mmm-12-investing-waterfalls/) - Have you ever heard of the concept of investing waterfalls? Prepare to learn all about it and about how investing waterfalls applies to you!
- [MMM #13: It’s Okay to Hate Budgeting](https://thephysicianphilosopher.com/mmm/mmm-13/) - Budgeting isn’t the most fun topic ever. We all want to be good with money, but does it have to involve the “B” word? Learn why it’s okay to hate budgeting!
- [MMM #14: How to Avoid Getting Eaten By a Bear… Market](https://thephysicianphilosopher.com/mmm/mmm-14-how-to-avoid-getting-eaten-by-a-bear-market/) - Stressed out about the current Bear Market? Well I can’t predict the future, but we can help you avoid getting eaten alive with the newest episode of MM
- [MMM #15: Top 10 Things Doctors Need to Know About Insurance](https://thephysicianphilosopher.com/mmm/mmm-15/) - Disability insurance may not be exciting, but it is imperative to know all about it, especially BEFORE you get disabled...
- [MMM #16: Snowball vs. Avalanche vs. Snowplow](https://thephysicianphilosopher.com/mmm/mmm-16/) - What is the nest method to pay down your debt? Ryan and I discuss this in the latest podcast episode. Figure out which one works best fo
- [MMM #17: Bonds... James' Bonds “Turner”](https://thephysicianphilosopher.com/mmm/mmm-17/) - This week’s episode is all about bonds, more or less. Are they right for your portfolio? Are there better alternatives? You’ll learn everything you need to know today.
- [MMM #18: Physician Mortgages](https://thephysicianphilosopher.com/mmm/mmm-18/) - If you ever considered buying a home then this is the MMM episode for you! Learn everything you need to know about physician mortgages today!
- [MMM #19: Hell Yes Policy](https://thephysicianphilosopher.com/mmm/mmm-19/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ background_color=”#24314B” custom_padding=”100px||0px||false|false” locked=”off” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ max_width=”650px” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ text_font=”Montserrat|700||on|||||” text_text_color=”#E9AE4C” link_font=”Montserrat|700||on|||||” link_text_color=”#E9AE4C” text_orientation=”center” max_width=”700px” module_alignment=”center” custom_margin=”||24px|||” link_option_url=”/podcasts/the-physician-philosopher/” global_colors_info=”{}”]Money Meets Medicine Podcast[/et_pb_text][et_pb_text _builder_version=”4.16″ _dynamic_attributes=”content” text_font=”|300|||||||” text_text_color=”#3a373a” text_font_size=”44px” header_text_color=”#FFFFFF” text_orientation=”center” max_width=”700px” module_alignment=”center” global_colors_info=”{}”]@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF90aXRsZSIsInNldHRpbmdzIjp7ImJlZm9yZSI6IjxoMT4iLCJhZnRlciI6IjwvaDE+In19@[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ background_color=”#24314B” use_background_color_gradient=”on” background_color_gradient_stops=”#24314b 50%|#ffffff 50%” background_color_gradient_start=”#24314b” background_color_gradient_start_position=”50%” background_color_gradient_end=”#ffffff” background_color_gradient_end_position=”0%” custom_padding=”30px||30px||true|false” locked=”off” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ custom_padding=”0px||0px||true|false” global_colors_info=”{}”][et_pb_column type=”4_4″
- [MMM #20: Pre-Tax or Roth: That’s the Question](https://thephysicianphilosopher.com/mmm/mmm-20/) - Pre-tax or Roth? Which one is right for you? You'll learn everything you need to know in the latest Money Meets Medicine
- [MMM #21: Why Cash Flow is King, Queen, and Jester of the Courts](https://thephysicianphilosopher.com/mmm/mmm-21/) - No matter how many financial goals you set, you can't achieve any of them without cash flow! Learn why cash flow is king!
- [MMM #22: Lions & Tigers & Emergency Funds - Oh My!](https://thephysicianphilosopher.com/mmm/mmm-22/) - Emergency funds are so important. There is no reason to not have one, doesn’t matter what your income is. Listen in to the latest MMM for all the reasons why!
- [MMM #23: For Better or For Worse: Getting on the Same Financial Page with Your Spouse](https://thephysicianphilosopher.com/mmm/mmm-23/) - It’s so important to be on the same page financially with your spouse. Learn how to do this in the latest MMM episode!
- [MMM #24: The Two Paths to Financial Independence](https://thephysicianphilosopher.com/mmm/mmm-24/) - There’s a couple big options when it comes to becoming financially independent. Passive income or passive index fund investing? Listen to see which could be best!
- [MMM #25: Good Help Ain't Cheap When It Comes to Financial Planners](https://thephysicianphilosopher.com/mmm/mmm-25/) - Have you thought about getting a financial advisor? Listen to this MMM episode first. You’re going to learn everything you need to know before you hire!
- [MMM #26: The 457 Plan. A Secret FIRE Weapon?](https://thephysicianphilosopher.com/mmm/the-457-plan-a-secret-fire-weapon/) - What’s a non-governmetnal 457 plan? Is it right for you? Learn everything you could ever want to know about 457s today!
- [MMM #27: Strategies for Handling Market Corrections](https://thephysicianphilosopher.com/mmm/strategies-for-handling-market-corrections/) - The market can seem difficult when it turns volatile, but there’s no need to fear. You can still learn the correct way to handle it! Read more today!
- [MMM #28: YOLO Versus Saving For Tomorrow](https://thephysicianphilosopher.com/mmm/yolo-versus-saving-for-tomorrow/) - Moderation is important. Especially when it comes to money. There has to be a balance between savings and spending. So what's the best solution? Read more!
- [MMM #29: The Top 5 Riders for Disability Insurance](https://thephysicianphilosopher.com/mmm/the-top-5-riders-for-disability-insurance/) - Every single doctor needs disability insurance. But do you know which one is the best for you? Keep reading and find out!
- [MMM #30: Everyone Has a Plan Until They Get Punched in the Mouth](https://thephysicianphilosopher.com/mmm/everyone-has-a-plan-until-they-get-punched-in-the-mouth/) - Everyone has a plan until you get punched in the mouth. This is even true with money. But there's no reason to freak out! Keep reading to find out why.
- [MMM #31: Should You Be Investing In Real Estate or Building a Portfolio in Stocks?](https://thephysicianphilosopher.com/mmm/real-estate-vs-investing/) - Should you invest in real estate or stocks? Read more to find out which is the right one for you!
- [MMM #32: 10 Things You Must Do for Financial Success](https://thephysicianphilosopher.com/mmm/10-things-you-must-do-for-financial-success/) - There’s ten things you need to do to set yourself up for financial success. You’re going to learn all about them when you keep reading!
- [MMM #33: Charitable Giving: Pre-Tax, Post-Tax, or Not at All?](https://thephysicianphilosopher.com/mmm/charitable-giving-pre-tax-post-tax-or-not-at-all/) - What’s the best way to give to charity? Should you do it pre or post taxes? Have you even thought about it at all? Keep reading to figure out the best way to do it!
- [MMM #34: How to Talk About Money With Friends and Family](https://thephysicianphilosopher.com/mmm/how-to-talk-about-money-with-friends-and-family/) - We love our listener questions so much, we’ve dedicated our whole show to one. How do you talk to your friends and family about money?
- [MMM #35: Pearls on How to Manage Your Student Loans](https://thephysicianphilosopher.com/mmm/pearls-on-student-loan-management/) - Back in March, congress signed the CARES Act. This bill impacts your student loans. We give you some gems for managing your student loans in today’s post.
- [MMM #36: Ways to Take Money Out Before Age 59.5](https://thephysicianphilosopher.com/mmm/ways-to-take-money-out-before-age-59-5/) - What happens to all the money in your retirement accounts when you retire early? How can you get your money without any penalties? Keep reading to find out!
- [MMM #37: Why It’s Okay to Live Like an Attending](https://thephysicianphilosopher.com/mmm/why-its-okay-to-live-like-an-attending/) - After you’ve taught yourself to live like a resident, it can be hard to unlearn that habit. Keep on reading to learn how to live like an attending physician and enjoy the money you make.
- [MMM #38: Pandemic Proof Your Finances: How to Bulletproof Your Finances](https://thephysicianphilosopher.com/mmm/pandemic-proof-your-finances-how-to-bulletproof-your-finances/) - This pandemic has given a lot of people a new perspective on their finances. Learn how to bulletproof your finances for an emergency!
- [MMM #39: 10 Milestones to Financial Independence Worth Celebrating](https://thephysicianphilosopher.com/mmm/10-milestones-financial-independence/) - Celebrating the milestones on the journey to financial independence is a great way to keep you on the path! Keep reading to figure out what the milestones are!
- [MMM #40: Building an Investment Policy Statement](https://thephysicianphilosopher.com/mmm/building-an-investment-policy-statement/) - Do you have an investment policy statement yet? If not, now is the time to learn how to do it right!
- [MMM #41: 5 Scary Things About Money](https://thephysicianphilosopher.com/mmm/5-scary-things-about-money/) - When it comes to money there are definitely some bad decisions to be made. Your thoughts can lead you to make some scary choices. In the spirit of Halloween, keep reading to learn five scare things about money.
- [MMM #42: How to Get Rich Quick](https://thephysicianphilosopher.com/mmm/how-to-get-rich-quick/) - Want to get rich quick? Well... don’t get too excited. Unless you win the lottery, it’s usually not going to happen. However, there are ways to help you get rich eventually.
- [MMM #43: How to Build a Non-Clinical Business](https://thephysicianphilosopher.com/mmm/term-vs-whole-life-insurance/) - Building a non-clinical Business is a great way to achieve financial independence. Keep on reading to learn how!
- [MMM #44: All About HSAs](https://thephysicianphilosopher.com/mmm/all-about-hsas/) - Do you know anything about HSAs. If not, you’re going to learn all about them! Keep on reading for all the details.
- [MMM #45: Why You Should Buy Whole Term Life Insurance](https://thephysicianphilosopher.com/mmm/why-you-should-buy-whole-life-insurance/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ background_color=”#24314B” custom_padding=”100px||0px||false|false” locked=”off” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ max_width=”650px” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ text_font=”Montserrat|700||on|||||” text_text_color=”#E9AE4C” link_font=”Montserrat|700||on|||||” link_text_color=”#E9AE4C” text_orientation=”center” max_width=”700px” module_alignment=”center” custom_margin=”||24px|||” link_option_url=”/podcasts/the-physician-philosopher/” global_colors_info=”{}”] Money Meets Medicine Podcast [/et_pb_text][et_pb_text _builder_version=”4.16″ _dynamic_attributes=”content” text_font=”|300|||||||” text_text_color=”#3a373a” text_font_size=”44px” header_text_color=”#FFFFFF” text_orientation=”center” max_width=”700px” module_alignment=”center” global_colors_info=”{}”]@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF90aXRsZSIsInNldHRpbmdzIjp7ImJlZm9yZSI6IjxoMT4iLCJhZnRlciI6IjwvaDE+In19@[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ background_color=”#24314B” use_background_color_gradient=”on” background_color_gradient_stops=”#24314b 50%|#ffffff 50%” background_color_gradient_start=”#24314b” background_color_gradient_start_position=”50%” background_color_gradient_end=”#ffffff” background_color_gradient_end_position=”0%” custom_padding=”30px||30px||true|false” locked=”off” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ custom_padding=”0px||0px||true|false”
- [MMM #46: We Are in a Pandemic; Do You Have Your Financial House in Order?](https://thephysicianphilosopher.com/mmm/estate-planning-we-are-in-a-pandemic-do-you-have-your-financial-house-in-order/) - We’re in the middle of a pandemic. Do you have your finances in order? It’s time to talk about an estate plan!
- [MMM #47: Biggest Financial Mistakes You Could Make](https://thephysicianphilosopher.com/mmm/biggest-financial-mistakes-you-could-make/) - Scared you made a mistake with your money? Keep reading to learn what the biggest financial makes you could make are and how to avoid them!
- [MMM 48: How to Make a $24K Backdoor Roth in a Year](https://thephysicianphilosopher.com/mmm/mmm-48/) - Is your backdoor Roth in yet? If not, time to get to it. Keep reading for everything you need to know.
- [MMM 49: How to Teach Your Kid About Money](https://thephysicianphilosopher.com/mmm/how-to-teach-your-kid-about-money/) - Wealth has the opportunity to be generational. But it’s hard to pass on money with our passing on the knowledge. Learn how to teach your kids what they need to know about money.
- [MMM 50: Springboard Your Finances in the New Year](https://thephysicianphilosopher.com/mmm/mmm50/) - It's the time of the year we make new years resolution. Among the most common are financial resolutions. Learn how to make good ones that you’ll stick to!
- [MMM 51: Why You Shouldn’t Listen to Financial Gurus](https://thephysicianphilosopher.com/mmm/mmm-51/) - Good financial advice is important, but there’s some people you just shouldn’t listen to. Here’s why you shouldn’t listen to financial gurus!
- [MMM 52: The Good, Bad, and Ugly of Real Estate Investing](https://thephysicianphilosopher.com/mmm/mmm52-2/) - Real estate is all the craze lately, but is it right for you? You can't trust everything you hear. So, let us walk you through the good, bad, and ugly of real estate investing!
- [MMM 53: Why Hitting Home Runs Isn't the Best Way to Generate Wealth!](https://thephysicianphilosopher.com/mmm/mmm53/) - You may think you have to hit investing home runs to generate wealth. But there actually is a safer way to become wealthy!
- [MMM 54: How Much to Take Out in Retirement](https://thephysicianphilosopher.com/mmm/mmm-54-how-much-to-take-out-in-retirement/) - Do you have any idea how much money you’re going to need in retirement? Find out how much money you need to take out!
- [MMM 55: How to Create a Real Estate Empire Actively - Part 1](https://thephysicianphilosopher.com/mmm/mmm55/) - You may have heard that one of the fastest ways to get to financial independence is through real estate. Is that really true? If so, how do you get started on your real estate Empire today? Keep reading!
- [MMM 56: How to Create A Real Estate Empire Passively - Part 2](https://thephysicianphilosopher.com/mmm/mmm56/) - If the active real estate investments mentioned in last weeks episode sound like a lot of work, you’ll be happy to know there’s a lot of ways to make your investments passive as well. That’s what today’s episode is all about!
- [MMM 57: How to Avoid the Voldemort of Disability Insurance](https://thephysicianphilosopher.com/mmm/mmm57/) - Avoiding bad financial advice is as important as finding good advice. You may think you have a good disability insurance policy... but you might also be wrong. Keep listening to find out.
- [MMM 58: Stupid Mistakes Doctors Make](https://thephysicianphilosopher.com/mmm/mmm58/) - Financial mistakes are all too common. I've made them. You've made them. And, if you don't believe me, there is only one way to make sure you aren't making stupid financial mistakes. Listen in to find out!
- [MMM 59:  Jimmy's 5 Rules for Healthy and Wealthy Financial Habits](https://thephysicianphilosopher.com/mmm/mmm59/) - We all need guard-rails and benefit from rules of thumb. Particularly when it comes to money. Here are 5 rules of thumb worth following!
- [MMM 60: Ryan's Rules to Personal Finance](https://thephysicianphilosopher.com/mmm/mmm60/) - If you enjoyed last week's episode, you'll like this one, too! Tag along as we discuss (and make fun of) Ryan's personal finance rules for doctor families.
- [MMM 61: This New Technique is the best way to Make Money](https://thephysicianphilosopher.com/mmm/mmm61/) - Have you heard about the newest technique that is leading to outrageous returns for investors? You're not going to want to miss out! (Or are you?)
- [MMM 62: Pay Down Debt or Invest When Interest Rates are Low?](https://thephysicianphilosopher.com/mmm/mmm62/) - Interest rates are at historical lows. Does this impact whether you should pay off debt or invest? That's exactly what we discuss on this week's Money Meets Medicine episode.
- [MMM 63 - Get to Financial Independence Sooner with a Physician Side Gig](https://thephysicianphilosopher.com/mmm/mmm63/) - Do you want financial freedom? Are you willing to wait 15-30 years? If not, come learn how to get to financial independence sooner through a physician side gig.
- [MMM 64: How to Find Your Dream House](https://thephysicianphilosopher.com/mmm/mmm64/) - Have you found your dream house yet? Is that even a thing? That's what we discuss in this episode of Money Meets Medicine.
- [MMM 65: Living Your Ideal Life Through Personal Finance](https://thephysicianphilosopher.com/mmm/mmm65/) - Do you want to know how to live your ideal life as a physician? Personal finance can help you. And so can this episode of Money Meets Medicine.
- [MMM 66: What To Do When The Debt is Gone](https://thephysicianphilosopher.com/mmm/mmm66/) - Debt is a major theme in many of our lives for such a long time, that we often don't know what to do when it is finally gone. Whether you are on the way to paying off debt, or debt free... this episode is for you.
- [MMM 67: Mistakes Doctors Make When Switching Jobs](https://thephysicianphilosopher.com/mmm/mmm67/) - Over 50% of doctors switch jobs in 2-5 years after signing a contract. Yet, this is one of the most common times to see financial mistakes. Tag along as we discuss them (so that you can avoid them in the future yourself).
- [MMM 68: This is When The Market is Going to Crash](https://thephysicianphilosopher.com/mmm/mmm68/) - Markets go up and they go down, but when will the next market crash happen? And what should you do when it does? Because... it isn't "if" but "when"... that's what this show is all about.
- [MMM 69: The Dangers of the Monthly Payment Mindset](https://thephysicianphilosopher.com/mmm/mmm69/) - The monthly payment mindset is often what traps physicians into thinking they can afford something. Come fix your money mindset in this Money Meets Medicine episode.
- [MMM 70: This is What Made Warren Buffet Rich](https://thephysicianphilosopher.com/mmm/mmm-70/) - Over 2,000 books have been written about how Warren Buffet became rich... what can doctors learn from his example? Listen to today's episode to find out.
- [MMM 71: What to Do With Physician Side Gig Income](https://thephysicianphilosopher.com/mmm/mmm-71-what-to-do-with-physician-side-gig-income/) - Doctors are talking more and more about side gig income outside of their typical W-2. This income can be great in your path toward financial independence, or it can be fraught with mistakes. In this episode learn what to do with side gig income, things to look out for, and what to avoid.
- [MMM 72: Dangerous Money Thoughts](https://thephysicianphilosopher.com/mmm/mmm-72/) - What if the only thing holding you back from financial freedom was your mindset? When it comes to your money mindset there are two main schools of thought - the Scarcity Mentality and the Abundance Mentality. There are some dangerous, limiting money mindsets that can come from a place of scarcity. What could happen if you traded these thoughts out for ones of abundance instead?
- [MMM 73: How Financial Independence Retire Early Can Burn You](https://thephysicianphilosopher.com/mmm/mmm-73/) - Money isn't everything, but money is a tool that allows you to live life however you want. However, too many people think that getting to financial independence means you have to chase it while you're young. In today's episode, you might be surprised to hear why we don't recommend this and what you should be doing (and when) to reach financial independence... while enjoying your life.
- [MMM 74: What To Do When Your Spouse Isn't Interested in Money](https://thephysicianphilosopher.com/mmm/mmm-74-what-to-do-when-your-spouse-isnt-interested-in-money/) - You are becoming a financial guru. You have put in the work to understand your finances and all of the options you have available to you, congratulations! But there is one thing you can't seem to figure out - how to get your spouse interested in financial strategies. Together you discuss the future and what your money will be able to do for you, but your spouse just doesn't care about the details. In today's episode learn simple strategies you can use to help your spouse get on the same financial planning page as you, and how to create a step-by-step plan for your spouse if something were to happen to you.
- [MMM 75: Should You Use Target Date Funds?](https://thephysicianphilosopher.com/mmm/mmm75/) - There are so many different investment strategies when it comes to how to reach financial independence. One of those strategies we talk about often is the different types of Target Date Funds. But, you might be thinking how do you know if you should use Target Date Funds? Today we will get into the details of the good, the bad, and the ugly when it comes to using Target Date Funds so you can determine whether this is a strategy that fits your needs or not. Let's jump in a figure out how to best utilize Target Date Funds in your investment plan.
- [MMM 76: The Top Financial Rules for Residents and Fellows](https://thephysicianphilosopher.com/mmm/mmm76/) - What are the top financial rules a resident should follow while in training? Keep listening to find out what made it on our list here on Money Meets Medicine!
- [MMM 77: Should Physicians Save for Retirement or Help Their Family?](https://thephysicianphilosopher.com/mmm/mmm77/) - Should physicians save for retirement or help their family? In today's episode of Money Meets Medicine, we talk about a few different scenarios that life may present you when it comes to your finances and how to best position yourself if you ever have to make a choice.
- [MMM 78: These 5 People Determine A Physician's Financial Success](https://thephysicianphilosopher.com/mmm/mmm78/) - You might think that the only person that influences your financial success in the short term and the long term is you. The truth is you can have little to do with how successful you are in planning out your finances and investing. This is because there are certain people in your life that influence what decisions you make and how. These people ultimately determine your success.
- [MMM 79: Why Doctors Should Spend Money](https://thephysicianphilosopher.com/mmm/mmm79/) - Everyone in the personal finance space loves to tell you how you should save money. That's great, but what about spending it? That is exactly what we want to dive into today on the show. Ways to spend money that make sense we have talked about before include spending to get your time back, vacations, and spending on others (gifts, holidays). But today we want to encourage you to spend lavishly on your on things you love. Yes, as money gurus we are going to talk to you about spending lavishly (and smartly of course). So let's go.
- [MMM 80: You Are Worth The Investment](https://thephysicianphilosopher.com/mmm/mmm80/) - People often think about money as the end goal. The reason they work, save, and make decisions in life revolve around this idea that they are striving to meet a money goal. But today we are going to flip the script on this mindset around money. Instead of thinking of money as the goal, we are going to look at money as a tool.
- [MMM 81: The Most Important Numbers in Physician Finance](https://thephysicianphilosopher.com/mmm/mmm81/) - The personal finance space is full of rules. Things you should be doing with your money and things you should stop doing with your money. Certain numbers you should be aiming for at specific points in your life. But do you really need to follow every single money rule out there when it comes to personal finance? Which personal finance rules and numbers are most important and which ones might not matter at all.
- [MMM 82: Free Steak Dinners & Physician Financial Mistakes](https://thephysicianphilosopher.com/mmm/mmm82/) - The personal finance space is full of rules. Things you should be doing with your money and things you should stop doing with your money. Certain numbers you should be aiming for at specific points in your life. But do you really need to follow every single money rule out there when it comes to personal finance? Which personal finance rules and numbers are most important and which ones might not matter at all.
- [MMM 83: Whole Life Insurance for Physicians](https://thephysicianphilosopher.com/mmm/mmm83/) - Odds are you have been pitched Whole Life Insurance and have no idea if it's a good idea or a bad idea. Since it is so common for a physician to get this pitch, we thought it would be good topic to discuss on the podcast so we could help you through what Whole Life Insurance even is, where the conflicts of interest are, the different life insurance options, and what to do if you have already purchased it and want out.
- [MMM 85: Must-Do Financial Checklists for Doctors Part 2](https://thephysicianphilosopher.com/mmm/mmm85/) - If you have been wondering if you are checking the right boxes and doing the "right" things with your money, then this episode is for you. In this episode we talk about the importance of disability insurance and life insurance, and how to handle your loans and pursue public service loan forgiveness. Find out which boxes you need to check as a doctor when it comes to your personal finances and learn which ones you can skip.
- [MMM 86: Solo 401Ks and Saving Taxes on 1099 Income](https://thephysicianphilosopher.com/mmm/mmm-86/) - Taxes are a boring topic to talk about so this won’t be fun. Taxes, 401Ks, and 1099 are the least favorite topics but they need to be discussed. As a physician you are probably asking how you can save more money on your taxes. The most popular answer is…earn less income! More jokes to come today so we can try to make this topic fun! Let’s go ahead and start with 1099 income and how you can save on your taxes with this.
- [MMM 87: What Chess and Personal Finance Have in Common](https://thephysicianphilosopher.com/mmm/mmm87/) - Our brains are not wired to think exponentially. They are wired to think linearly. Maybe this explains why so many doctors, well people in general, don't invest early enough and take advantage of one of the best tools- compound interest. Today we explain the magic of compound interest and how exponential growth is going to blow your mind. The impact of compounding is massive!
- [MMM 88: Do Doctors Really Need Emergency Funds?](https://thephysicianphilosopher.com/mmm/mmm88/) - Physician turnover is high, specifically after the first 2-5 years of training. With doctors changing jobs so often, it is important to establish an emergency fund early on (and to consider the cost of leaving a job in medicine). So today we wanted to dive into why everyone, including us, says you need an emergency fund, where you should put that money, what to use it for, and what NOT to use it for. We are also going to do some real talk on doing the math BEFORE you decide to either change jobs or leave medicine altogether.
- [MMM 89: Personal Finance Masochism & Physician Self-Compassion](https://thephysicianphilosopher.com/mmm/mmm89/) - Is there a purchase you've been thinking about, but are afraid you should be spending your money in “better ways?” Listen along today as we talk about that Porsche 981 Cayman S, house, or expensive vacation you want, and how to get it. Learn how you can save for tomorrow while you also enjoy today.
- [MMM 90: Hard Decisions on Money Meets Medicine](https://thephysicianphilosopher.com/mmm/mmm90/) - Have you ever felt like things are getting really heavy? And that you need to make a change? That is what we are going to do today on the show today. We are going to pull back the curtain and talk about things that have been going on in our lives. Often people don’t think about the lives of the people behind the YouTube videos or podcasts like this one, Money Meets Medicine. So today we are going to dive in and talk about hard decisions on this podcast Money Meets Medicine. Join us as we explore why resting in your personal and financial lives is essential for healthy success.

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- [Uncategorized](https://thephysicianphilosopher.com/category/uncategorized/)
- [Building Wealth](https://thephysicianphilosopher.com/category/building-wealth/)
- [The ROAD: The Journey to becoming a Doc](https://thephysicianphilosopher.com/category/the-road-the-journey-to-becoming-a-doc/)
- [Ethos and Passion](https://thephysicianphilosopher.com/category/ethos-and-passion/)
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- [Physician Finance Interview](https://thephysicianphilosopher.com/category/physician-finance-interview/)
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- [Guest Post](https://thephysicianphilosopher.com/category/guest-post/)
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- [Student Loans](https://thephysicianphilosopher.com/category/student-loans/)
- [MMM Podcast](https://thephysicianphilosopher.com/category/mmm-podcast/)

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## Tool Categories

- [Financial Advisors](https://thephysicianphilosopher.com/recommended/financial-advisors/) - Finding a good financial planner is hard. This list makes it easy. Only financial planners with the least conflict of interest make this list. You can trust that.
- [Insurance Agents](https://thephysicianphilosopher.com/recommended/insurance-agents/) - Every doctor needs disability insurance. Period. This is an exclusive list of agents you can actually trust.
- [Other Tools](https://thephysicianphilosopher.com/recommended/other/) - Want to learn more about how to master your money and your mindset? Here are some other recommended tools:
- [Physician Contract Reviews](https://thephysicianphilosopher.com/recommended/contract-reviews/) - A contract mistake can cost you a six-figure sum of money. This is who we recommend to perform your physician contract review.