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[Anne]

I think you should move....

[Anne]

Your comments that your wife feels she was bottled up and sacrificed everything for your family and that she “had 4 kids for you” are a bit concerning....

[Anne]

I would expect a self-described frugal Ortho surgeon making an extra 300k on top of regular pay to have a much higher savings rate than 50%

[Anne]

Depends on what track and field. Little guys often dominate in long distance running. Meb is 65”...

[Anne]

Exactly…but the statement is still used when the select few it doesn’t apply to, who would probably be happier not working (or at least not working...

[Anne]

I’d like to see the research that backs that last statement up. Lots of confounding factors. But if you took a group of people who 1. Had enough saved...

[Anne]

Good point. It’s missing a lot and I don’t think it’s accurate. But I liked the way it made me think about how excess sitting in front of a computer...

[Anne]

Loosely related to this topic…there’s an app that I think was mentioned in Die With Zero…called Final Countdown. If you search “final countdown”...

[Anne]

One of the biggest advantages of being a slow POS when you are younger (me too) is the motivation you get from seeing improvement when you finally decide...

[Anne]

If you are PR’ing at 52 it means you weren’t maximizing your capabilities when you were younger....

[Anne]

Another way I’ve been thinking about it:
Many people make a big deal about undersaving and running out of money in your 80s…but how likely is...

[Anne]

Taste buds decline with aging as well. Drink the amazing coffee and scotch now....

[Anne]

Do you know what you spend on—I.e. do you budget or track your spending. It’s a lot easier to spend less once you have a solid idea of what you are...

[Anne]

You can use firecalc and choose the Bernicke Reality Retirement plan under spending models

https://www.i-orp.com/help/RealityRetirementP...

[Anne]

mediocre_troll would be both a classier and more fitting username...

[Anne]

If you aren’t one of the people who is unable to control their credit card use, there is absolutely no advantage and several disadvantages to not using...

[Anne]

I think it’s funny how certain people can use something like whether or not someone likes to travel or not as a basis for character judgement.
...

[Anne]

No hard rules. Has always been somewhere under 5%. DINK with family and friends in other countries.

I love travel, especially international...

[Anne]

Google capital gains exclusion for primary residence.

What do you plan to do if you lose your job? Sounds like you are currently nonclinical?...

[Anne]

The big question is how do you feel about living in an airstream for an extended period of time with 3 kids under 5?...

[Anne]

Would you choose Cape Cod as your number one vacation home location if you weren’t currently doing part time per diem work there?

[Anne]

The most difficult part of this, if they are looking for a relationship, and particularly looking to get married at some point, will be how to ensure...

[Anne]

So basically his dad strong-armed him into choosing a career goal too early, he chose doctor because his dad was a doctor and that’s what he knew, and...

[Anne]

The whole point of having good financial habits, saving, living like a resident initially out of training, etc., is so you can eventually live the life...

[Anne]

My main takeaway from number 2 is she should have seen a physiatrist skilled in early identification and treatment of CRPS sooner. Double bonus, physiatrists...

[Anne]

Yes you can afford the home. The issue is all the other stuff (including options to work less/differently) that you won’t have if you buy it....

[Anne]

If you are happy with your life why spend more?

[Anne]

I wonder what they are going to negotiate for. I haven’t put too much thought into this, but my experience with unions is that they are effective in...

[Anne]

I think there are some doctors out there who wouldn’t mind less pay to have the option to do this.

Advantages:
Learn about something...

[Anne]

Was it primarily the CMG-sponsored residencies that didn’t fill in EM or was it more of an even distribution?...

[Anne]

To me the question is if your shoes aren’t caked with mud/dirt and you just got home and really need to go to the bathroom…or you put on your shoes...

[Anne]

He talks about flexibility in the drawdown plan but he doesn’t talk at all about spending flexibility, which I think is probably the most important...

[Anne]

Definitely a cultural thing. I was raised in a clean shoes in the house culture but actually prefer the shoes off culture. I don’t insist on it with...

[Anne]

So I usually agree with you, but your first paragraph is untrue. Plenty of studies show improvement in OA with regards to function and pain with weight...

[Anne]

Senior Faculty hopefully means FI, particularly if they quit and retired. It’s ok to quit with “no plan in mind” if you are prepared for it. Often...

[Anne]

I’m going to posit a third reason that people don’t retire: fear of change, and fear of acknowledging that your working years are over, and retirement...

[Anne]

I’ve flown international business class (lay flat seats, etc.) multiple times to/from Europe, Asia, and South America thanks to free upgrades d/t my...

[Anne]

Sounds reasonable....

[Anne]

I would sleep in the parking lot in a tent before I ever shared a room with teenagers, even if they were my own....

[Anne]

I don’t understand the question. Why would it not be ok?

Would not give special treatment to kids based on gender. If one of your kids...

[Anne]

My guess she is doing a dual degree program, such as an MD/MPH, as she says she does research during the day and masters classes as night.

...

[Anne]

This is my take on that situation, being in a similar situation with my own parents (who have no interest in moving, although also are probably in better...

[Anne]

Agree...

[Anne]

I think she and the school actually clarified it—the policy is if the student misses, someone else more experienced steps in. Which is what happened....

[Anne]

Can you take that policy with you if you leave that job?

[Anne]

Invest in the Roth. You will have those loans paid back instantly when you become an attending, but you only get so much Roth space a year and the younger...

[Anne]

By the way, I just walked down my wooden steps in socks without realizing it. I am exhilarated by the danger. I think tomorrow I will go BASE jumpi...

[Anne]

I was really surprised these past 2 years to see how many able bodied people were queued up at the elevators in the morning to go up 1-2 flights (the...

[Anne]

This thread is making me realize that many here are extremely risk adverse in areas beyond financial....

[Anne]

My parents are in their mid 70s, no sig medical issues, and have only a half bath on their first floor. Laundry is in the death trap aka basement and...

[Anne]

I think you are more like the average doc so don’t be embarrassed.

if you bicker about spending I’m guessing your spouse is the one who...

[Anne]

This just sounds like the normal behavior I grew up with.

[Anne]

This family will be fine. It’s not clear what his degree/exact job is but he can probably easily find a job that doesn’t require him to be 2 weeks...

[Anne]

While the answer to wait 1 year to buy is probably the best advice, yes you can afford a house in that price range as long as no major outlier expenses....

[Anne]

I don’t think the people who have raised concerns about the calculator being wrong are behind on being financially prepared for retirement. They are...

[Anne]

You can also use firecalc for this…under the not retired yet tab just enter the number of years you are going to “coast” to retirement and list...

[Anne]

My mind is a steel trap for useless nuggets of information and IIRC you are derm, correct? This is crazy....

[Anne]

I plan to live part time out of the US. I have no concerns about healthcare, in many ways I have more concerns about what US healthcare may look like...

[Anne]

It is unprofessional for them not to respond, but admin isn’t interested in being professional with you. They are interested in saving money to justify...

[Anne]

In the FIRE world you see people with 6 million in assets spending 100k/year not feeling comfortable retiring early and then you have stories like this,...

[Anne]

Just go with 2. It’s part of landlording. If you do 1 and then don’t move out it’s more mental energy for him, and there’s not much he can do...

[Anne]

The comment calling spiritrider a troll on the other thread made me laugh. I pictured a wise old troll with a giant brain, carrying around a massive...

[Anne]

It is tedious and annoying. But will probably be a freeing experience, and help you clarify what you want to focus on in the later stages of your life....

[Anne]

If you think there is a good chance you will change your mind about working 20 more years/want the option of true FIRE to do something totally different...

[Anne]

“Buh-bye”
”hate me cuz you ain’t me”

probably stick with “letter of resignation”...

[Anne]

When you are active duty in the military the rules are a bit different. But as a civilian you must change your residence when you move....

[Anne]

I was net positive probably a 3 figure amount over the years from betting on horse races at the Del Mar racetrack. I picked 100% based on the name....

[Anne]

Agree it’s a good thing (not working through severe illness that is—having your significant other visit on a weekend you know you are supposed to...

[Anne]

I was helping my parents go through stuff a few years ago and came across some paperwork including the will etc they wrote when my brother and I were...

[Anne]

One of my friends used to be a personal banker. All of her clients were UHNW. So depends on how much $$$$$$ you have.

That said, I have had...

[Anne]

i remember hearing a case at a conference where the pcp didn’t say no to this crap and got talked into ordering some genetic testing (I think mthfr...

[Anne]

If they feel workup is needed for something outside of their area of expertise they should tell the patient to discuss the issue with their PCP who can...

[Anne]

Here’s my general thought process regarding this stuff:

Everything will be fine. Maybe not exactly as you imagined, but it will all work...

[Anne]

I got it 6 years ago in my late 30s, mid 40s now. One eye is a tiny bit undercorrected which helps with reading. Had some glare at night initially,...

[Anne]

1. 1.5-2 million when you have a 3 million dollar house and the associated maintenance/taxes is not going to be nearly enough. Not to mention you said...

[Anne]

And the bigger question…at what price will people stop driving across the parking lot from one store to another because they don’t want to walk a...

[Anne]

From clinical experience I see the opposite—the lower the SES the less water and the more other beverages a person drinks...

[Anne]

I love water. I don’t have a goal but drink a lot of it. I remember being in some work sponsored well being seminar and we were asked to make goals...

[Anne]

Much less lately. Around 5%. Depends on weather—too bad or too nice. The first really nice day after a period of blah days is probably the highe...

[Anne]

This is why I like having my spreadsheet to track —I categorize both home improvement and home maintenance. For solely home maintenance, we have spent...

[Anne]

Congrats. My net worth never dipped below 0…but I was a few months shy of 31 when I fully repaid my debt of time to the military…which was an incredible...

[Anne]

So do you PCPs out there like the patients who just come for their annual physical and don’t have any complaints/meds/etc or do you feel it is a waste...

[Anne]

See what cord wrote above. Depends on the employer. Some only match the stated percent per paycheck, some offer a true-up if you front load....

[Anne]

PoF works remotely but is also his own boss, which I think is the most important aspect. While I have not worked remotely, remote work where someone...

[Anne]

WBD, I’m going to ask a nosy question, feel free to ignore. You’ve shared previously about the importance your own father placed on work/income generation...

[Anne]

Anything in the “thoughts and prayers” department. (Except when used sarcastically)...

[Anne]

Found it. I want to do this one of these days too. I’ve traveled through this area and love it. https://financialsuccessmd.com/my-camino-de-santiag...

[Anne]

IIRC Cory Fawcett did it and blogged about it...

[Anne]

Also says she initially worked for the federal govt (which doesn’t necessarily mean VA)…currently works in industry...

[Anne]

nope, just pointing out your error. Kind of hard to determine emotion from a fact based statement....

[Anne]

You need to reread the article (or work on your reading comprehension)...

[Anne]

Even if she doubles her expenses, she’s in a solid position…and she’s still working. 60k for her half of the expenses without a mortgage etc is...

[Anne]

My parents drove the (small) moving truck across the country from med school to residency and let me keep the money the military reimbursed me for the...

[Anne]

If you want a family trip to Toronto and they get to hang out as a small part of it, sure why not. But sounds like you already did that not too long...

[Anne]

Read your post again and pretend that it was written by a friend. The answer is clear unless you are leaving something out. You should take the new...

[Anne]

What is annoying is that English is my spouse’s third language and he almost always beats me....

[Anne]

He says he didn’t have time to properly invest, but then says later that he couldn’t leave his stock investments alone, was always looking for some...

[Anne]

Match is on total salary...

[Anne]

Has nothing to do with stigma. Has to do with the necessary boundaries between a psychiatrist and a patient. Nobody is saying that you or I or anybody...

[Anne]

I think you are essentially saying the same thing as JWeb…one choice is not necessarily the correct one. Either paying off the mortgage or investing...