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[EH]

This sounds like an easy logistical problem to overcome especially given where you work. I am typically annoyed when I am asked to order tests that the...

[EH]

I have no idea how the math works if you think you are going to spend 150k on housing for 30 years but reach FI at 15, while paying for college costs...

[EH]

Probably negative net worth? I get waiting if you have exorbitant loans, but once those are done I don’t see any reason to work full time given how...

[EH]

We've had one car for 20 years and just got a second one out of necessity for school drop offs (seriously, you can't bike with a kid with an AQI of 150...

[EH]

You’ll be fine - enjoy the extra space! It’s not like it’s a mc mansion....

[EH]

Nope, someone has to take off work. Thankfully husband usually has a flexible work schedule so more often him than me. We've never had luck calling in...

[EH]

Best to talk to local families about what they like about the schools. 10k is insanely cheap - I would think about it just for the language immersion...

[EH]

Are peds salaries really that low still in NE? Don’t come to where I am (vhcol) but should be able to make 200k working 4 days a week. Not quite 9-5...

[EH]

I still feel we need massive/easy drive through screening. I feel it’s relatively low risk for health care workers and people pay attention if positive,...

[EH]

Agreed. Shut down stat. The quicker we get this under control the quicker we get to normalcy and economic recovery. I’d much rather be in South Korea...

[EH]

Yes, you need a plan now!!! We are doing everything by phone/video visit or email. Still young folks coming in and older folks with urgent need. All cough...

[EH]

Nooooooo!!!!! Phone evaluation and drive by testing is the only good option I see. Public health does not have funding or personnel to do all of this...

[EH]

No idea how public health is doing things - I think they are chronically underfunded but doubt they are stockpiling tests. I’m not involved on the planning...

[EH]

Isn’t ID involved? This sounds insane that these wouldn’t be tested if there is no other clear cause. ID is running the show and working with public...

[EH]

That’s nice but there is still limited availability. Public health is still saying no a lot of the time. Quest does not have capacity for all of the...

[EH]

You are right she should have 12 weeks of fmla. I think some people chose less so they could graduate on time. Of course she should have kids now if she...

[EH]

15% for 15 year. Was more like 25% when we bought. The numbers here are insanely low if you are in a vhcol area...

[EH]

You have jobs you like, growing income, and reasonable house prices. I don’t see anything wrong with buying a house now if you want to. We bought before...

[EH]

If you want a kid now go for it. Nothing is going to change unless someone changes things up. Unfortunately having a kid is residency is tough even if...

[EH]

What’s their capacity though? If literally everyone with a cough/cold right now in the country orders a test I’m imagining they will not be able to...

[EH]

That’s going to be hard to beat in BA. It was hard to stick to that budget several years ago when I bought and my home is worth 400-500k more now! Maybe...

[EH]

What do you consider reasonably priced?? My tiny home is worth over 1m now. It’s crazy. Some areas that 1m will buy you a little more but most areas...

[EH]

I’ve certainly typed things not where I meant to just because the cursor moved or whatever, and Could see this happening. The fact that they notified...

[EH]

It probably depends why you want to move and if you are the only source of income. I don’t know that CA is so terrible for docs but housing is outrageous...

[EH]

I’d cut back hours for sure. Most primary care docs I know work 4 days a week. It’s just to much otherwise. I’m thinking about cutting back a bit...

[EH]

Oooh I was going to say the first one for being near family for sure, but that call schedule.... I might choose the second location just for that. I chose...

[EH]

Yes as above - you don’t have a job until you have a contract. I thought I had a job post college but it never panned out due to funding issues too...

[EH]

I’m not sure who said anything about evil for profit docs. Most of the benefit of kaiser is systems level work by non docs rather than any difference...

[EH]

I’m certainly not saying she should have made a different decision - I get it, life happens and you need to make the best decisions you can along the...

[EH]

This is kind of the Kaiser idea......

[EH]

mostly seems like a waste of a medical school/residency/fellowship spot to me. I certainly get having a stay at home parent (kind of wish I had one!!),...

[EH]

Probably around 15 here too. Except for a couple of dressy pairs they all get worn a lot and will be worn until they wear out. I can’t remember the...

[EH]

We showed offer letter. They want to know your compensation that’s pretty much the point. Everywhere I looked was thrilled to have a doc....

[EH]

I don’t understand. You make 800k in an mcol area. Buy whatever you want to buy. A 2600 sf house is already bigger than nearly everything in my vhcol...

[EH]

I love Usaa but they were waaay more expensive so left them for insurance. If it had only been a little more expensive I would have stayed. Definitely...

[EH]

I wouldn’t get worked up about 60k. I might try to unmingle - it’s CA so it’s probably a mute point if your wife wants the money. That being said...

[EH]

That sounds horrible. Can’t a nurse fill out the easy stuff and you sign?...

[EH]

Definitely shop around. I’d look for a 15 year fixed unless you are planning on paying off in 7. If CA brokers can manage a 20 day close someone should...

[EH]

It’s very unclear to me what the difference is between sleeping on a used mattress vs a hotel (the hotel one sounds much ickier) - my last mattress...

[EH]

How does your family deal with it??? After a few years of too much stuff we decided if it doesn’t fit in a shoe box you have to ask first. Usually the...

[EH]

I think I would leave medicine if I had to use nextgen. That thing is horrendous. Perfectly happy with epic. I write the history while patient is talking....

[EH]

Also might help if you have specific questions. Folks leave for all sorts - decide not to do primary care, move geographic areas, a few go to other practices,...

[EH]

Is the payment per rvu or rvu expectations the same? Appointment length difference? Pto difference? Most pcps I know do not enjoy more than 32 clinical...

[EH]

My folks are in this situation - thing is I’m not going to see the money (if I do at all) until I’m 50 or 60 so It hasn’t affected me at all except...

[EH]

I’ll leave the math comparison to someone else but would add that kaiser docs can use the 53k of 401k space too (19k regular, 15k aftertax, plus employer...

[EH]

There needs to be a way to take people off the list - we can do this we just need to document why. Lots of people end up on it erroneously (most commonly...

[EH]

I mean, there are pluses and minuses to all jobs right? I like it because I don’t have to deal with the coding and insurance stuff. I don’t do things...

[EH]

This is when I’m glad to be a Kaiser doc. I just need to code something that is accurate (which the computer decides). No one really cares what as far...

[EH]

Eh. Kind of weird to advertise, but we use mid levels in our institution in limited capacity. There are lots of things we do that don’t need 7+ years...

[EH]

At least where I am Kaiser breaks down your total compensation including how much they are putting towards pension. Can’t you access that info online...

[EH]

Agree there really isn’t much point - you’ll just be throwing money away. Only thing that is negotiable potentially is signing bonus but that really...

[EH]

Probably 40-50% pension if Kaiser (not sure where they are and how much variation there is). At any rate with pension, ss, and 20% savings going forward...

[EH]

Why is this even a question? Unless you are waaaay overspending in other parts of your life this should be easy to afford. My judgement may be clouded...

[EH]

Fidelity does this too. Good reminder that I need to set it up - newly automatic this year!!

[EH]

I don’t understand. This is something people want. I would like this but am too cheap to pay an additional ER for it. Mostly they are likely greenwashing....

[EH]

Not unless I believed in abstinence until marriage.... if gf lived with parents I can’t imagine moving in with mine. Sounds like a terrible life choice....

[EH]

I would try to stick to mortgage under 2x income to be comfortable unless you are very frugal otherwise (and factor in kid cost if you don’t have them...

[EH]

Sounds like a reasonable plan once you have attending jobs. I’d lock in location of jobs before buying - I’m not terribly familiar with NY but assume...

[EH]

We rented a house in residency - it was great! We had outdoor space to garden, no loud neighbors, gardener included, etc. when the water heater burst...

[EH]

Nope. After enough harassing I eventually get him to log into his 401k so I can move things around. That’s about the extent of it....

[EH]

Aren’t there single people around here?? Maybe it’s bias based on marital status not gender....

[EH]

I don’t have many bonds yet but about half are munis in taxable. WCI has recommended bonds in taxable: https://www.whitecoatinvestor.com/asset-locati...

[EH]

Y’all will be making 4-500k in pretty lcol areas. I wouldn’t factor income tax into the equation at all. You’ll have oodles of money either way...

[EH]

Mortgage will still be less than 2x income. I live in a vhcol area and make significantly less and am planning to reduce hours because I don’t need...

[EH]

You’ll be fine either way in terms of salary if you keep expenses reasonable. The higher income could make retiring at 50 a bit easier. I’d focus...

[EH]

We can’t use these shenanigans - you’ll only be reimbursed for the cme amount not the $1000 gift card part. I think that’s fair. They are super...

[EH]

No direct personal experience but had a family member that did this. Being away at a party school was a bit too much temptation so came back home, enrolled...

[EH]

Did you rent a 2 br apartment? 3k is a lot in rent - there aren’t too many places where you can’t find cheaper rent than this. Could you live further...

[EH]

I mean you are still going to be high income at $190k... unless you are sure you want to live in the condo again I’d plan on selling. I’d keep saving...

[EH]

It’s sounds like you just want out which is fine but ownership is always going to involve things breaking and work. If you otherwise like the house...

[EH]

Team just pay it off. Seriously. Do it now. At 2 years post residency and working part time with 3 kids I wouldn’t give up on medicine yet. Don’t...

[EH]

I waited until at least 21 to start dating my spouse. so maybe I shouldn’t comment, but I’d think being a physician should make it easier in terms...

[EH]

With low expenses and hefty salary I would put in a plug for giving to charity NOW. It's complicated to decide who to give money to, so I can't imagine...

[EH]

For induction you really have to look at your pan size that you use. We went with Miele 36" because you could use 3 12" skillets on it (or 2 12" and a...

[EH]

Bought locally - prices all seemed comparable. I think we got a discount with buying everything. Bosch dw with 3rd rack. Cheaper than Miele, may not l...

[EH]

Also, you need a lightweight stroller and would consider moving. You have the money to rent something more child friendly so do it - being able to get...

[EH]

I only see the dentist once a year, every other time it's just the hygienist. I assume they would bring in the dentist if there was an issue. I've never...

[EH]

Most of this stuff sounds like stuff you are going to do anyway if high income - eating out, cleaning, massage, gift cards. I’m not a jewelry person...

[EH]

Front desk knows but no one tells me as a lowly doc, so I don’t see it making any difference. Honestly the squeaky wheel gets extra stuff done - docs...

[EH]

Usually nothing? Or a $100 donation? Seriously I actually can’t remember the last wedding we went to that didn’t say no gifts, which is also what...

[EH]

I’d think about renting for a bit to see how the long distance job, move, etc go. Especially if you aren’t seeing anything you love. You can certainly...

[EH]

Eh I’d keep it in ally myself and try to buy in 5 years. At least keep options open in case of downturn. Either is fine and you obviously can gain...

[EH]

I have a smallish amount like this that is being actively managed. It has tended to outperform the market by a bit (or so they say) - honestly it’s...

[EH]

Buy a bike now and see how winter goes without using your car (or pay attention to how often you need it). You’ll save money and get more exercise regardless...

[EH]

Wow. I live in CA so we can take 4 weeks prior to due date and 12 weeks after birth as disability. I am not ED and work in a large group but certainly...

[EH]

Sounds like a no brained to me to buy in the better district. The homes all sound new to me. It’s not that much of a price difference - around me you’d...

[EH]

If we bought a minivan we’d definitely got for the Pacifica plug in but I value the efficiency of it over the possible increased costs. Depending on...

[EH]

We had a defined contribution plan instead of ss which was great from my perspective. I don’t need the ss years and I got that and the Roth IRA I contributed...

[EH]

Around 5% gross. If I didn’t live in one of the highest cost of living areas I’d probably give 10% but that isn’t terribly practical for me right...

[EH]

It depends on whether you are saving enough for retirement or not. If you are already saving 20% to retirement it’s a different story than if you are...

[EH]

I wouldn’t buy unless you could do a 15 year mortgage. Unless there is a compelling need to move at that net worth I would stay put though...

[EH]

I second the dfa plan. I just gave away 10k worth of stocks that had appreciated that I didn’t want in my portfolio anymore. Very easy to do with vanguard...

[EH]

Eh I have some retirement in primecap. It’s done well and I figure if my highest ER in my 401k is 0.3 I’m doing better than most.

[EH]

Around 10k. We picked a beautiful location but DIYed a lot of stuff. My parents paid but we easily could have ourselves. Many of my friends have catered...

[EH]

If it's still a 1% interest rate you could just put it in an ally or capital 360 account and break even...

[EH]

We've told family members on both sides. We know what our parents and other siblings make too. It's just money - not a big deal to us to share. There's...

[EH]

We can look at ours - this is usually how I get meds! You can look at kids but have to document in the chart....

[EH]

If I include zestimate I crossed the 1m mark! Although most of this is house (yay vhcol areas!) that could come down in a major quake so it doesn't feel...

[EH]

I meant in response to mrsimdoc's comment....

[EH]

This is well said and I couldn't agree more, Jim....