When did you open a DAF?

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I don’t know if you were just making a joke or not, but it very well could be gas.

OP, is there a gas powered whole home generator? ...

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This is simple. Your realtor tells their realtor “have your client take their s. Are they just trash people? What’s the deal?” They don’t...

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Seriously....

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I mean, there’s no asking....

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Yea. There was a great Babylon bee article titled something like “Biden commissions trillion dollar task force to study what’s causing inflation.”...

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I thought it was blow and ecstasy with a heavy dose of alcohol and hookers.

Also, preclinical years are too full with sunshine, rainbows...

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Let it go. Enough real problems in the world....

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That’s not at all what I’m advocating for. And if this was simply a math problem, we’d all just eat ramen and live in hostels. Why not just save...

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Sure. But making <100k vs 300+, social security will likely be more robust and his retirement tax bill will likely be lower.

I think...

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I mean, the 20% is necessary for docs, not necessarily as important for the gen pop for reasons Jim has explained earlier.

First, he needs...

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I just read an article yesterday - all production for MachE is shut down. Some safety issue they haven’t figured out yet.

I think the...

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9%. I think our economy is going to be hosed for the next 5 years with a flat stock market.

I wouldn’t say I’m “happy” about it,...

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Huh....

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Occasionally our surgeons would do trachs or Pegs in the middle of the night if they were on trauma or in the sicu and nothing was happening....

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Who would cover the med-mal? Current carrier, or Geico?

https://nypost.com/2022/06/09/geico-...-claims-she-ca...

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I started to respond, but thought better of it. Suffice it to say, I disagree strongly with your general position....

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Same. We’re up to 2 cases of Covid on our icu service of about 50-60 patients. One has a GI bleed, the other has decompensated cirrhosis and is intubated...

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Sure, low is a subjective term. But sub 1% is not subjective. If you don’t consider something occurring less than 1% of the time is “low risk”...

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So I guess your response is oddly confrontational to me. I gave you base rates and then the ability up and down based on what you expect risk to be based...

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I mean, what exactly are you looking for? Since Covid started, using the cumulative NY times cases for my state, we’re at about a 1.6% mortality. ...

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Bummer. I mean, I don’t really have any complaints about working in the icu during daytime, but the only constant at work is change....

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Yea, but I’d honestly probably be comfortable with more like a 5% withdrawal rate for early retirement. If I retire early, I have much more ability...

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Uhhhhhh….....

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I mean, I wouldn’t just give a stack of books. If you know her favorite book or favorite author, I might buy a signed copy....

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I have a close family member who is elderly and has a bone cancer. We take no special precautions as we are all aware his life is shorter. He doesn’t...

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Do you really need a study? I honestly think we’re approaching the parachute argument. Just look at your community. COVID’s back, but deaths are approaching...

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Agree with CordMcNally. I’ve been an attending for 4 years, I asked for help this week. No shame. People who don’t want help will eventually cause...

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That’s kind of my point: “protecting them” via avoiding crowded situations is almost assuredly unnecessary and not doing anything to serve your...

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The number of kids who have been critically ill or died is vanishingly small. I understand the desire to protect children (I have three), but the odds...

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Chances you get sick seeing sick people? Nearly 100%. Chances it means you get hospitalized if you aren’t 80, have IPF or weight 1000 lbs? Very low....

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You can sell everything in the Roth without consequence. If you have any funds that are down, I would sell them immediately and rebalance into the asset...

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1. Not an attorney
2. Not an accountant

With that disclaimer, I’d be comfortable with that. Not saying that it’s ok. Not recommending...

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I work predominantly in the ICU. We do our own then turf to IR if can’t get it (maybe 5-20% of the time). Same goes for the ER. The hospitalist group...

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That probably violates the wash sale rule as the two funds combined mirror the one fund. There’s very little guidance, but I’d have a hard time saying...

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Is this in a brokerage account?...

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Either they will “send to much” and ask you to Venmo some back, or they will ask for the car immediately then the check will bounce....

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You think 100k is living large in California?...

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Not triggered. You just came off sounding like anyone who doesn’t publicly agree with you is lesser....

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There’s like 600 wineries in Napa begging to be tasted....

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I bought a home for 725k with 100k down 2 years into being an attending and didn’t regret it. But we had our loans paid off. We’re 4 years in now....

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Your condescension aside, most of us have a lot of stuff going on in our lives. I’m ignorant to much of the data regarding energy production. It doesn’t...

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That’s the lesson you learned???...

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I’ve come to realize that I’m just going to invest in (what I think is) the best way possible, shop at stores and restaurants that provide the best...

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The biggest benefit is that you can walk away clean if the market drops. Also, outside of physician loans, you may get better terms. It’s also a barrier...

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I’ve read that you can have them switch from the fund to the ETF without it being a taxable event similar to how you used to be able to swap to admiral...

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I put 100% of my taxable into VTSAX then tax loss harvested into VTWAX....

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Oh yea. A couple months ago someone was talking about how we were all stupid because they were getting 8-12% interest on a stable coin account and we...

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Also, it’s a little disingenuous to invoke Bogle in speculation. Yes, he was a buy and hold investor, but that was only one of his ideals. He also...

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Eh, yes and no. I agree short term returns don’t matter, but 50% is pretty dang big. That’s pretty significant volatility....

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Well, BTC is down 50.03% in the past 6 months….so…....

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And yet we’ve heard how we’re all idiots for not putting our emergency funds in “stable” coins....

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It’s almost like some of us have been saying the cyrpto zealots are crazy....

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Net worth....

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Yea - we’re going to itemize for a while, I think. Mortgage interest is about 15k, tithe 20k, SALT, few other donations here and there....

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Yea, we haven’t speculated at all, nor do we plan on it (assuming I can stay strong to my convictions). Everything we invest, we have in either a total...

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Good point....

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So you just tithe from your DAF and put the equivalent amount from your paycheck into your taxable?...

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When did you decide to open a donor advised fund? Was it a taxable account value? Amount of unrealized gains?

I’m a few years out of...

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I forget where I saw it, but there was a cartoon or video of a radiologist giving out compliments. He told one ER doctor that “all of his studies are...

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I don’t know what you’re trying to accomplish here. Like 90+% of orthos are male and almost every female orthopod I’ve ever met (all 2 of them)...

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Outstanding....

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Not hold a phone....

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But why???...

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Another vote for cell phone. Plus it can keep your pace.

Are you male or female? If male, do you wear lined running shorts? I mostly...

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I think small cap value likely will have outsized returns over the next 40 years, but I’m not willing to bet 10% of my portfolio on my ability to stay...

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hipaa...

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You been on a nice vacation recently?

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No thank you x 2 followed by “I said no.”

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Is that because you donate your appreciated shares?...

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If you argue with a fool, it’s difficult to determine who is who.

I think it probably says a lot about your specialty that this hasn’t...

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I’ve been clearly “secretly” recorded as you describe. It bothers me greatly. Not because I’m afraid I will say or do something improper, but...

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“You have 6 months to find a new doctor; on an unrelated note, my schedule is full the next 6 months.”

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I did my first TLH this week. The more I’m learning, the more I’m leaning towards a more globally diversified portfolio, so I swapped out about 25k...

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It seems like you have earned the right to make financially nonoptimal decisions. Moving up in interest rate may sting a little (probably more psychologically...

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She said it better....

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May be overvalued, but my timeline is >10y and I don’t know of another asset class that will get me where I want to go. I’m not investing in BTC...

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The problem is that you may hate your job....

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I mean, if there is a bro specialty…....

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Where do you hide $100 from an orthopod? His stethoscope....

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You lost me...

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You make a ton of money with minimal debt. You can 100% make this work.

You need to stop screwing around with crypto and put 200-300k...

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Very nice. I have a bottle of Blantons in my cabinet I’m waiting for a special occasion for. My FIL always drinks it, so I get to drink it quite often....

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Have you ever been to Napa?...

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Uhhh……I’m going to stop you right there. I know you’ve been here too long to be a troll, but what you’re saying is simply absurd. I don’t...

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Does the moderator need a moderator? Lol...

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We are literally sitting in a B&B in Napa currently, so I’m going to say a California cab....

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It’s astounding that everyone doesn’t follow the above rules with their children....

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I’ve had maybe 4 mortgages, current one with KeyBank. They were all somewhat painful but KeyBank wasn’t memorably more painful than the others....

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I mingle enough with the proles at work, I’ll take the luxurious travel....

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Not very sophisticated, but not a bad place to start:

https://www.mrmoneymustache.com/2012...h-behind-early...

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there’s truly awful medicine being practiced in lots of tiny hospitals....

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Really?...

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I worked with a CT surgeon in fellowship who had previously been was one of his trainees. Easily my least favorite person in the entire institution....

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I don’t think there’s a number. If you have a 2% withdrawal rate and want to spend 30%, that’s probably fine. If you need 6%, any amount is too...

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I have enough things to worry about, so I rarely get in arguments. That’s not to say I don’t let people know what I think. I’m pretty comfortable...

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I bought my wife and myself nice new luggage yesterday. I posted on here a year ago asking about nice luggage and kind of hemmed and hawed because we...

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I mean, sounds like you bought a house you’re excited about for a price that you felt was fair and you can comfortably afford. Sounds good to me....

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About to go to on a big California trip for our 10th anniversary. Flying first class. Eating at the French Laundry. Great wineries. Going to a game...

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Nice. My FIL just got a ram 2500 fully loaded. The new trucks with all the bells and whistles are NICE.

Out of curiosity, why’d you...

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If it is, I feel like FLP and EMD have a case against most of us…...