Velocity Banking Calculator Does mortgage acceleration work? How can you more efficiently use your paycheck to accelerate your mortgage payoff? Use “offset accounting” to make interest while offsetting or reducing the balance of another account. So, for instance, you have […]
Merton, SeLFIES, and Target Retirement Solutions Merton is a smart guy. He started publishing on lifecycle investing in 1969. He won a Nobel for valuing derivatives. Like most academics, he looks at the retirement problem differently than us in […]
Retiring Physician Checklist Retiring Physician Checklist. Physicians love to make lists and check off stuff. ABG, check. CXR, check. Notes and basic hygiene… later. What about retirement? What list of items do you need to check off in your retiring […]
Medical Gaslighting After gaslighting became the world of the year, it is not surprising to hear of its use outside of the abusive relationship. What is medical gaslighting, and how does it affect physicians? Since this is a blog […]
Tax Gain Harvesting Should you Tax Gain Harvest? Maybe! Let’s explore if you can and how to harvest capital gains and determine if it is worth the hassle. When is Tax Gain harvesting right for you? Can You Harvest Gains? […]
Upstream Gifting and Gifting Gains What is upstream gifting? What if you gift your elderly parent an asset with massive capital gains? What if they hold it until they get the step-up in basis at death, and then you inherit […]
Planning for a SEPP 72(t) and FIRE Learning about a SEPP 72(t) is a rite of passage on the journey to FIRE. Do you need a SEPP 72(t)? How can you model one? Or, wait, should I build a 5-year […]
401a, 403b, and 457b Plans Physicians are high-income professionals who optimally defer income into retirement plans during peak earning years. If you have access to a 401a vs 403b vs 457b then you either work for the government or a […]
Cash-out a 401k for real estate investors Have you thought about cashing out a 401k to invest in real estate? Real Estate Investors invest in real assets rather than retirement accounts. Investors with significant qualified retirement accounts discuss cashing out […]