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[fasteddie911]

Assuming you have DI and life insurance squared away. Babies aren't very expensive. I say just buy the absolute essentials at first then buy things as...

[fasteddie911]

Sure, as long as you qualify for match as a new employee and/or the investment options and fees are equal or better

[fasteddie911]

I've gone back to cable. We only did netflix before and still have it, but most of my tv watching now is cable. I started to get bored of netflix's offerings....

[fasteddie911]

I've become more hesitant on the RE part in recent years, especially if you "just" have 25-30x expenses. Relying on your investments for that...

[fasteddie911]

I agree to start now. Especially since you have a specific area in mind it won't hurt to get a head start and put your name out there. Reach out to as...

[fasteddie911]

This is common with young folks in general. Maybe it's their lack of serious income, not having much to their name yet, not having much responsibilities...

[fasteddie911]

We moved back to our HCOL hometown from a MCOL for the sake of being near family, after spending years away due to school, training, job. Salaries are...

[fasteddie911]

#1 all around. No worries about skinhead look because the rest of me doesn't look like that at all. Wahl cordless clippers have been a nice upgrade.

[fasteddie911]

With a relatively small portfolio and early career, my risk tolerance is high. At near 100% stocks I've barely thought about my portfolio and keep contributing...

[fasteddie911]

Feel bad for HS/college seniors in these times. With colleges shutting down and going online, it's a reminder of what we value in them and what we pay...

[fasteddie911]

For parents staying home with their kids, I think it'll be a baby bust for awhile.

[fasteddie911]

Interesting problem and perspectives. I see both sides. I truly do feel for your wife and understand the discontent, primary care always gets the shaft....

[fasteddie911]

Pretty much the same. Takeout has gone up (supporting local restaurants and avoiding stores) and groceries have gone down. Travel wasn't a huge part...

[fasteddie911]

A lot of physicians aren't essential. Some may try to spin it like they are, especially to insurers with the procedures they do. When all is said and...

[fasteddie911]

While this pandemic brings up potential for change (economy, environment, education, healthcare, etc.), realistically I doubt things will change much...

[fasteddie911]

I agree that we're playing catch up. Even the often suggested method of testing and tracing, like South Korea does, is playing chase and I don't think...

[fasteddie911]

Everyone is different. I was heavily stock in 2008 (though had little anyway) and still heavily stock now (still relatively small portfolio). I'm still...

[fasteddie911]

I think the key is not just testing but tracking and tracing their footsteps. That takes a lot of resources and we'll always be chasing. Also there's...

[fasteddie911]

Great points made so far. I've been trying to figure out this messaging regarding testing, by the media and public, the outrage over it, etc. and I just...

[fasteddie911]

Yeah, working for an academic place I believe....

[fasteddie911]

Friend is in NYC working mostly outpatient with some inpatient, not front lines though. Says a few colleagues have completely ghosted without a word,...

[fasteddie911]

We should just have everyone wear a full-blown face mask, like the kind auto body shops use.

[fasteddie911]

We're actually probably going to spend less on groceries as we're trying to minimize those visits but more on eating out to support local businesses and...

[fasteddie911]

We too are gonna do more takeout. To support local businesses but also to avoid grocery shopping when we can....

[fasteddie911]

Probably. I'd also look into how long you should wait after getting DI to get seen. May be an issue there.

[fasteddie911]

Interesting thoughts shared. I like the idea of social distancing at least delaying the spread so that we can learn more. We're already somewhat in that...

[fasteddie911]

I cross-shopped with a few other highly rated companies (forget which ones though, sorry) and healthypaws had the best rates.

[fasteddie911]

Went to costco yesterday to stock up on some stuff, particularly for our little one. It was packed but orderly at least. Definitely saw lots of water...

[fasteddie911]

We have healthypaws. Purchased as a puppy and it has more than paid for itself by now. I could see us eventually dropping it though and just paying out...

[fasteddie911]

While we're not there yet, friends/family with teens often lament how difficult it is with phones and social media these days. The chart doesn't capture...

[fasteddie911]

Not that I think it's their reasoning, but I do wonder about controlling panic and fear. Fear can be powerful. Human behavior can be interesting....

[fasteddie911]

I'd ignore the salary difference as it seems minor and go with whichever job felt best AND where you actually want to live. Proximity to family is hit...

[fasteddie911]

We have a similar plan. We max out tax-advantaged accounts and anything left over we'll sock away in VTSAX in a taxable and let it ride. We won't be...

[fasteddie911]

Stay at home parents are often undervalued. However the headline is rather attention grabbing. 30% tax rate is too low. A GI attending's spouse is likely...

[fasteddie911]

Is Chevy bolt not an option? I've seen new ones going for mid-$20k but their minimal tax benefit is ending soon. I'm not sure how often people cross-shop...

[fasteddie911]

I believe it's the avalon that's ES equivalent. I doubt tesla owners purchase due to cost to own and the like. There's nothing wrong with that, not all...

[fasteddie911]

Similar situation, though no 275 for me, jeez. Not great at MCAT either, I had a friend not even prepare at all get a ridiculous mcat score. Something...

[fasteddie911]

It's GenZ that's affected by this, not millenials. Step 1 allowed me and many classmates to launch into good programs from our lowly State school, a state...

[fasteddie911]

Most HS kids have no concept of money and debt, and have little to no idea about majors, careers, etc. Yet they make this huge financial decision. At...

[fasteddie911]

Hugely variable depending on your goals, spending, savings, what the insurance will cover, etc. But I'd imagine following WCI principles for 20yrs you...

[fasteddie911]

You do you. Life's too short to live by other people's terms and expectations. Personally I couldn't stand academics but I know plenty who love it, though...

[fasteddie911]

Yes, I ran my spending and numbers and CSR still comes out ahead of the other options.

[fasteddie911]

Count me as someone that doesn't get it. I'm not an old fart, but maybe I'm old school. Everyone around me is into their phones, just not me. I'm not...

[fasteddie911]

Folks I know who practice in independent practice States are pretty indifferent and busy as ever. IMO, patients first choice is an MD but will settle...

[fasteddie911]

I agree that you have to spell it out in detail. Option 3 tells people exactly what they're getting and they can run the numbers and see how it works...

[fasteddie911]

Life- Enough for spouse to retire, pay for college, same lifestyle
DI- Enough to stop working, same lifestyle, save for retirement, college, et...

[fasteddie911]

I'll also plug for residents getting DI.  I knew a few folks who got into accidents in residency, one pretty seriously, had to do rehab, etc.  It's...

[fasteddie911]

Concur with the above.  You likely got your DI at a good rate, with discounts, when healthy.  You may also end up leaving your employer, going into...

[fasteddie911]

Not to sound harsh, but read the plan documents carefully and consider it a lesson learned and notice to others to pay attention.  I've seen that before...

[fasteddie911]

artemis wrote: finance dummy wrote: I don’t have a “FIRE” mentality in that I may be happy working indefinitely. I love what I do and (right now) don’t see the appeal in retiring early. Click to expand… I just noticed ...

[fasteddie911]

Different strokes. I had a friend turn down a job that paid 150k more in a desirable city near family just so he could live in a subjectively more desirable...

[fasteddie911]

Tim wrote: By the way, vet school is tough to get in. One vet school in Texas but about 9 med schools. I guess horses, cattle and pets are easier patients to deal with. No Medicare...

[fasteddie911]

I'd be more concerned about the impacts of weather and warming temperatures in the years to come.

[fasteddie911]

I still enjoy bogleheads.  That's what started me on my financial education years ago. I think it's a pretty clean, thoughtful, high-level discussion...

[fasteddie911]

I've started to lose interest in a lot of finance blogs as well.  They started to sound repetitive and the same messages rehashed over and over again,...

[fasteddie911]

I have family that lives there.  Another food for thought, there's growing discontent amongst locals in regards to housing availability and affordability,...

[fasteddie911]

It depends.  You're putting money in now that falls in say the 12% bracket, when you convert next year it'll likely be in a higher bracket. Half a year...

[fasteddie911]

Hold on here, what's the exact verbiage used on your 401k documentation?  If it says 100% match up to the first 6% of your contributions, then your friend...

[fasteddie911]

Wait and see.  Why are you committing to the area for 10yrs?  You don't know how the job will pan out, if you'll like the area, or life throws you a...

[fasteddie911]

Mostly I'm on the docs side on this, but as a recipient of an outrageous balance bill I'm not surprised it has come to this and we, or at least some of...

[fasteddie911]

I'm pretty good about ignoring the noise and not caring about what others are buying, doing, owning, etc.  But depending on your situation, a pickup...

[fasteddie911]

I created my own spreadsheet and ran different scenarios of savings rates, drawdown rates (if I die and family needs to drawdown savings+insurance) at...

[fasteddie911]

Tim wrote: I know I have guilty of ignoring domestic travel. International seems so exotic, the Great Wall and Forbidden City , world renown cities and all inclusive beach resorts. Has...

[fasteddie911]

I've been thinking of grinding my own beans, looking at the baratza encore.  Is it worth it or not?  I'm not a coffee pro or really a discerning palate,...

[fasteddie911]

I think the w2 thing means the amount paid will show up on your w2 like it does for the employer's contribution to your healthplan, which shows up under...

[fasteddie911]

I couldn't care less and don't even notice.  Scrubs are so common and it could be a doctor or a pharma rep or a nobody. Folks getting off shift or whatever,...

[fasteddie911]

nephron wrote: I am actually going through this process right now.   I hired a lawyer to review my contract when I joined the group as an employee, spent $800, the lawy...

[fasteddie911]

I reluctantly agree with you, somewhat.  The key word being OVER-rated, especially these days.  I've traveled a bit as well, I enjoy it here and there,...

[fasteddie911]

I'm not a big spender, with a paid off house, college saved for, etc. my spending is in the 50k range, or even less.  Throw in another 30k or so for...

[fasteddie911]

Title is a bit misleading, you're looking for casual clothes not dress clothes.  For casual clothes it doesn't have to be fancy or expensive, simple...

[fasteddie911]

It sounds like you've made your decision already but I'd chime in and say hold off until you actually have kids, a family and see what things are like...

[fasteddie911]

I don't think you need to set a budget.  Just plan and buy what you need, on sale or cheaper brands if you wish.  And you shouldn't need an annual budget....

[fasteddie911]

You can easily get away with the minimal simplistic approach as well without spending much money.  Apply the same concept of having your personal uniform. ...

[fasteddie911]

How long have you been in Hawaii? I only ask because I know many don't stick around too long, including doctors.  In which case I maybe wouldn't rely...

[fasteddie911]

Policy A does sound better and taking into consideration the benefit, or lack thereof, of a catastrophic rider, I'd probably go with Policy A all else...

[fasteddie911]

That sounds like a terrible schedule to work at 35wks.  However, in fairness to the program, this is on you/your wife for not saying something earlier...

[fasteddie911]

Just needed to comment as I saw this happen with many of my peers that did fellowship.  In residency they were ok renting thinking it's 3yrs and they...

[fasteddie911]

Have a family friend living in Ellicott City.  They work for the gov't as it seems many in the area do, and they really like the schools and diversity...

[fasteddie911]

I may be in the minority on this one but something just doesn't feel right about an outside company coming in and using your patients to make a buck,...

[fasteddie911]

SValleyMD wrote: “Forced or willing” for the Hospitalist to actually admit the patient. Most of the hospitals I’ve worked at the Hospitalists could pick and choose what they were w...

[fasteddie911]

Thanks, good to know. OP, it sounds like you did your research but have you also run the numbers accounting for inflation (eating at the policy amou...

[fasteddie911]

Scott at MD Financial Services wrote: You can typically change/reduce benefits in any amount with most carriers based on when you want to decrease coverage. Look around, you can probably build better rates when looking a...

[fasteddie911]

The issue is that seeing this photos makes me (and everyone else) want to see it in person, which can negatively impact said area.  I think pictures...

[fasteddie911]

DI in residency is also to protect insurability, beyond just the 3+yrs of residency.  Especially while you're young, healthy and may have hospital discounts...

[fasteddie911]

Watched The Inventor on HBO, about theranos and it touched on this.  Watching it I was shocked by the disconnect between all the non-med people (investors,...

[fasteddie911]

JWeb wrote: WRONG!! Talk to your wife and figure it out. It doesn’t matter how “right” someone is. If she’s not happy, you won’t be either. Even if you’re making more. “Hey, honey, there’s this guy named fast...

[fasteddie911]

Renting makes sense no matter what.  But add to that your hesitancy of homeownership overall, and that favors renting even further.  Depending on where...

[fasteddie911]

What's your current benefit and premium?

[fasteddie911]

wawot1 wrote:   Invest $12 in this book: https://www.amazon.com/Baby-Bargains-Secrets-Saving-strollers/dp/188939257X   We had a prior version of the book when our first son was born about...

[fasteddie911]

I have a older family member who runs what I consider a "lean" surgical practice.  It's just them, their spouse and hiring help for in-office OR days. ...

[fasteddie911]

Of course talk it over with the spouse, very subjective and personal.  But to be blunt, your spouse needs to get over it.  Did this resentment only...

[fasteddie911]

I'd stay put in your rental and suck it up for a year.  What kind of issues are we talking about here? Not sure how it doesn't work with your current...

[fasteddie911]

I'm one of those considering a taxable over 529.  My state offers no tax benefits and I question the traditional view of college, it's future, costs,...

[fasteddie911]

You can afford either.  I'd base it off of location, commute, overall traffic patterns, neighborhood, location within neighborhood, neighbors, proximity...

[fasteddie911]

I'd choose the first one, but I also am not single and not into the social scene.  What is that worth to you in term of money and job security/happiness? ...

[fasteddie911]

I never cared to work with percentages or rules of thumb based on percentages, I always prefer amounts.

[fasteddie911]

I had the option of 0% on our recent car, paid all cash instead.  The "hassle" of monthly payment, no title in hand, etc. wasn't worth it, I just wanted...

[fasteddie911]

RogueDad, well said and I completely agree and understand it. I admit I just have some bitterness towards academics.  I did med school at more of a...

[fasteddie911]

I don't know of any books but I bet is much more complex and nuanced to be covered in a single book.  Maybe a discussion could be started around here...

[fasteddie911]

Wait until your IR year and see how you feel, it may scratch that OR itch.  This could very well be the grass being greener or glamorizing surgery with...