Are people still keeping their I-Bonds?

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Like most of the financial community, I purchased i-Bonds in 2021 and 2022 (spouse, myself and business) when rates were the highest. At this point, rates...

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I'm looking to see if anyone has any good recommendations for Father's Day. I'm a dad myself but usually I just try and doing something with my father...

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All of my assets are currently at Vanguard but I will be opening up a new retirement account fund at Schwab. All will be tax protected accounts. I currently...

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…or that....

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Agree with above. As a fellow Derm I make around just under $80 per encounter (East Coast) as well and that's higher than most of my gen Derm colleagues....

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Appreciate all the feedback from everyone. Definitely lots to great input and things to mull over. I also appreciate oslerweber's comments on lower per...

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Interesting counter perspective from prior posters. I’m in Northeast so likely different than Midwest in terms of competition…but maybe I’m wrong....

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Yes. I do have non-compete. Hence I'd have to open the practice outside the 10 mile radius if I were to go that route. Good point about working a friend...makes...

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Yes. Definitely on the much higher end for non-mohs but I work my tail off for it. I probably have one more year at this pace and income. Realistically...

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That was my thoughts as well but sometimes comparison is the thief of joy when you hear of other people doing even better. Hence the reason for this post...

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Appreciate the feedback. I am currently working in a suburbs and not rural. Yes, definitely high for Derm but I have high volume and work very hard when...

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Current situation: mid 30s general dermatologist working in private practice as an independent contractor for 5 years that was acquired by private equity...

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I've read about several of your adventures on the blog but seeing it all laid out on an annual timeframe is very impressive. Something to aspire to for...

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35yo early/mid career attending physician with young family (currently 3 and 6 years old). Definitely not FIRE at this point but certainly on that trajectory...

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Thanks for the reply SR. You always have great insight into such matters and are an incredibly valuable member of the WCI forum community. I really do...

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That's my gut instinct but yes, let's see what Spirit Rider thinks. He seems to be the expert on these matters

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I established a sole proprietorship when I started doing medical surveys back in residency. I had a minimal amount of 1099 money and subsequently started...

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I have an individual 401k that I've been funding the last several years. My balance 1/1/22 was $225,544 and my 12/31/22 balance was $246,648. Throughout...

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Wow, love the input. Appreciate all the great ideas. We do Ocean City, NJ almost annually but I hadn't thought about Hershey Park as a couple people posted....

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I am looking for some ideas for family vacations for the next several years. My kids (currently 3, 6 yo) are starting to get a little older which opens...

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I've always invested at Vanguard but will have my first tax protected account in 2023 at Schwab. I was wondering what bond fund do most people use at...

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I will be starting an individual Cash Balance Plan in 2023 for tax purposes and I plan on putting the majority of my bonds into this account according...

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I am a 1099 physician working at a group. All of the providers were asked this year if they would like to contribute to the holiday work party (as well...

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I'm a dermatologist and was recently offered the opportunity to supervise one of the midlevels in the practice after another one of the doctors left....

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I recently went away for a weekend long trip to a football game and realized I was woefully underprepared for the rain throughout the trip. So for the...

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Thanks for all the input. I'm not sure how/why they gave me such high anticipated contributions...actually about 200k/year which admittedly did seem high...

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Background: 35 yo specialist currently investing ~300k/year. I am entirely a 1099 independent contractor who just switched to an S-corp as income has...

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I just started a single member S-corp this year due to sufficiently high income to make it worthwhile compared to sole proprietor. As such, I need to...

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Have steadily built and added to the home gym each year since residency and now it is quite impressive. Typically cheapest to buy during black Friday...

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Yes, I’d be very interested in WCI and PoF reply to this if it is true that they are now promoting whole life insurance. I was about to invest with...

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This summer we will be looking into a kitchen renovation. We've just started the process and would appreciate any recommendations, specifically......

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I've been an attending now for a few years and I'm starting to check off multiple financial milestones. I still very much enjoy what I do but was curious...

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I am currently an independent contractor physician and have been in practice for several years as a sole proprietor. As my income has grown it was recommended...

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I've been doing some reading on WCI and talking to colleagues and I'm trying to evaluate whether I should be switching from a sole proprietor to a single...

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There is a lot of discussion on a variety of financial blogs about designing your "ideal life" and how money is merely a tool to give you time...

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We have close family friends (older husband/wife) that are essentially family (she's basically acted as a 2nd mother to my wife) who sold their previous...

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~3 years out of residency with stable family/professional life and in our "forever" home. We are looking to add an outdoor living space and...

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I'm an independent contractor physician a few years out of training. Like most physicians, at the height of the pandemic I was hit pretty hard financially....

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Just read WCI article this morning - Debt is a Negative Bond (https://www.whitecoatinvestor.com/de...negative-bond/). The item that stood out to...

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Concept2 without a doubt. Not a serious rower but I’m in pretty good shape. And after some research it was the obvious choice...no questions asked....

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Appreciate everyone's comments so far. Lots of competing feelings. I am keeping all options open and have reached out to a couple other practices (some...

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I'm currently in my third year as an attending dermatologist. I've been a WCI follower for years and following his script as best I can. First year out...

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In general I prefer index mutual funds over ETF's but then I came across this article.
https://humbledollar.com/2020/09/it-sure-adds-up/
...

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Appreciate all the input even though it did go off track a bit.

Agree that there is too much midlevel entry into the field and it probably...

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Thanks for all the replies, especially MM and EntrepreneurMD. Surprisingly, it's hard to find good data for a lot of this information but will work on...

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Background: I am a relatively new attending (~2 years out of residency) in private practice dermatology (no partnership option). My income is based solely...

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Background: Early/mid 30's. No student debt. Specialty. Student loans paid off. ~1mil NW and above average salary so doing well there. Into year 3 as...

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My wife and I are in the process of buying our first home. I know the data that experiences > material items in terms of happiness but that's not the...

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We will be moving into a new home (residential, safe neighborhood) later this summer and plan on switching out the locks on our exterior doors. A quick...

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Over the past year I've started to commit much more to fitness but the muscles just don't recover "like they used to". I've heard a lot about...

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My wife will be turning 34 in a couple months and it got me thinking about possible gift ideas. I'm curious from both husbands/wives...what were the best...

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My wife and I are both medical professionals. I am currently working as full time independent contractor physician while my physician assistant wife is...

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I am in the process of buying our first home and looking at homeowner's insurance for the first time. Previously we've only been renters. I am in the...

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Long time WCI reader. First time homebuyer on Eastern side of Pennsylvania. Family/financial situation stable and mortgage < 1x 2019 income (although...

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I am a 1099 independent contractor who works at a private practice clinic who just received Medicare stimulus money based upon 2019 earnings. That money...

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There has obviously been a lot of talk about PPE, N95, etc... in the news - mainly related to shortages, wearing the same mask for an entire shift or...

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1099 IC. As most physicians, income is down to 5-10% of precoronavirus levels. I’ve never applied for unemployment before - are you allowed to apply...

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I’m just curious the consensus of when people plan on bringing back some of their household help (or maybe some people never got rid of them). We are...

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I was curious if anybody has used a No-Penalty CD before, specifically the one at Ally Bank. I'm a normal Ally Bank customer (have been for years), but...

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Ketoconazole 2% shampoo to both the scalp and face three times a week (use as face wash in shower). Leave on for 5 minutes before rinsing off. Treating...

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A few quick questions regarding PPP and CARES ACT:
1) Just to continue the thread - has anybody had luck with banks if you are not an existing customer...

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As most docs out there, COVID has drastically impacted my income. Limited to telemedicine only, I will likely only make 5% (tops 10%) of what I was making...

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-Background: 1.5 years out of training. Married (stay at home spouse) with 2 young kids. Early 30s. 1099 contractor in dermatology. Great income first...

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Just saw the new ruling that they are delaying 2019 tax payments to July. Does everyone on this forum plan on delaying those payments? Also, when/if they...

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The stock market has already been impacted by the coronavirus and mortgage rates have dropped significantly. I'm just curious people's thoughts as to...

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Background: ~1.5 years out from training. I interviewed at several private practices near my parents as it is a desirable area to live and I have a family...

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In the process of buying our first home post-residency and have read several threads on WCI about the 15 vs 30 year fixed mortgages and there are obviously...

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For all of the sole proprietors and S-corp's out there, where do you have your business checking account? My current personal savings/checking is at Ally...

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I am currently a full time dermatologist working in private practice. I am interested in exploring some telehealth opportunities as a side gig and was...

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I am currently an independent contractor (just me, no other employers) just finishing my first full year out of residency. I am currently a sole proprietor...

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My wife and I will likely be crossing $1 million in the next few months in our early/mid 30's through a combination of hard work, smart decisions and...

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My family will be flying to Orlando the week of Thanksgiving 2020 (11/20-11/28) from the East Coast for a large family reunion and also to go to DisneyWorld....

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Just curious if people plan on keeping their Chase Sapphire Reserve with the anticipated $100 annual price increase. Although not a prolific traveler...

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I've read a lot on these forums about the "big dumb doctor house" and how many WCI'ers have regretted that decision. As we are looking into...

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We are looking into our first home and was wondering if there is a rule of thumb as to how much of your monthly income should be dedicated to housing....

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We are in the process of getting our first home. It will likely cost high 6 figures, low 7 figures. I was wondering what most people have done for their...

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Situation: currently FT physician. Wife used to work full time as a midlevel but has stopped the past couple years to raise our children. She recently...

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First time homebuyer in the next year. I am in the process of saving for the 20% downpayment. My question is what is the typical timeframe for payments...

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Nose and ear hair trimmer...my wife’s not so subtle suggestion

Fitness equipment and darn tough socks on my own list.

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Appreciate all the input. Additional info per some of the responses. -No debt whatsoever at this point. Student loans paid off, own vehicles, no CC. No p...

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Early 30s. 2 years out of training. Job and family (wife, 2 kids) are stable. My wife and I are looking to buy our first home in a MCOL area given our...

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I am ~2 years out of residency and looking for the best place to store my cash reserves for an upcoming house downpayment. I will likely be storing between...

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-Background: new attending ~1-1.5 years out of training. Have been renting since finishing up residency ensuring job/life situation is stable. All signs...

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I'm looking into getting a new pair of sunglasses. Up until this point I've used cheap sunglasses, all less than $25, but usually pretty poor quality....

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I'm recently out of training and looking to take care of my estate planning. My in-laws have been very happy with their estate attorney and have been...

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It seems that there is an endless amount of robocalls coming to my cell phone - usually several per day. I always block the number after it goes through...

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I'm relatively new to investing having only been at it for the last 5 years (relatively new attending). I've essentially read most everything on WCI and...

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It seems WCI, Paul Merriman and several others in the financial community believe there is a slight long term benefit to small cap and value premiums...

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For most of my life I'd never been a coffee drinker...then studying for STEP 1 in med school happened... and coffee became a "thing" in my life. Throughout...

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Mohs Surgery - no brainer in my opinion. Once you build your practice, you don't have to do anything but surgery. Great hours, great pay. And if you decide...

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I am an independent contractor physician (no employees, just me) acting as a sole proprietor. I have been doing a lot of reading on WCI and plan to open...

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After my first increase (at the time of my contract), here are my current policy details Benefit: 16,650/month (aggregate between two policies) Premium: 5200...

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Thanks for all the feedback so far. To answer some of the questions. -Yes, I currently have a COLA rider as this was important to me since purchasing ...

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I am a new attending just out of training. I have two disability policies from MetLife and Principal (through the help of one of the excellent agents...

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Lucky me - the two people I most wanted their input both commented. Thanks Johanna and spiritrider for the input. Definitely helpful (as always).   ...

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New attending recently out of residency. During my training, I did a few medical surveys for a nominal amount and setup an i401k at Vanguard due to recommendations...

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Great opinions. Thanks for all the input. I was on the fence about whether it was worth it or not, but needed a little sense knocked into me. Much ap...

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New attending this year paid exclusively via 1099 as I am a sole proprietor. 2018 was still a (relatively) low tax year due only being an attending for...

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With all the clothing posts I saw recently, I figured I'd add one of my own. I was wondering if anybody had compression sock recommendations that they...

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Thanks for the opinions. As to clarify some of my needs over the next few years. Young kiddo at home and probably another one in the next 1-2 years. Therefore...