The Five Stages Of Lawsuit Grief – Part One

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I was tired – it had been a busy winter shift and my head was spinning, but I was slowly winding down after a nice family dinner and some reading time with my daughter.  My wife and I had put our toddler to bed and were catching up when the doorbell rang.  Taking a perverse pleasure in the humiliation he …

Notes from a Financial Toxic Wasteland

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  I’d heard California called many things before. The Golden State.  A nature lover’s paradise.  A youth and beauty parade.  But the White Coat Investor (WCI) was the first to call it out as a Financial Toxic Wasteland.  I describe myself as an unrepentant Californian, owning up to my idiosyncrasies and accepting the faults (and more reluctantly, the fault lines) …

Too Much

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My wife runs a side hustle that has been in full swing all summer, and which despite being mostly a word of mouth endeavor has evolved over a decade into a full-time job. On top of this, she works one clinical day shift per week in the ED to maintain her skills.  My 10 hour shift yesterday turned into a …

Cutting Back

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Once upon a time, a strapping young buck dove into the field of Emergency Medicine with ne’er a thought of night shift fatigue.  He loved his work, headed into each shift bright-eyed and bushy-tailed and relished the butterflies in his stomach that multiplied commensurate with the number of ambulance rigs in the emergency lot.  He loved the social justice aspect …

What the Bogleheads Taught Me About a Child Roth IRA

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As a JV blogger looking up to my varsity role models, I’ve noticed that lots of folks seem to post photos of their children on their blog.  I’ve always suspected their motives transcended vanity.  As an evolving finance geek, this trend naturally piqued my interest: Could I pay my kids as child models on my blog and invest their earned …

High Income Vagabonding?

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Since this blog is in many ways a time capsule from the current version of me to the person I was 15 years ago, there are concepts that occasionally resonate with the unencumbered new attending far more than they do with the married father of two with a mortgage and a bum shoulder.  One such idea is the concept underlying …

The Ascetic Treadmill

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As part of a fellowship in International Emergency Medicine, I spent six months (multiple trips over a two year period) in northern Ethiopia. One of the most otherworldly experiences I had during that time was exploring Lalibela, a town which occupies a revered place in Ethiopian Orthodox Christianity.  A walk through town revealed temples hewn from single enormous slabs of …

Insensible Losses

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I was introduced to the concept of “insensible losses” in medical school.  Briefly, excess fluids lost from the human body are difficult to measure via the lungs, skin and GI tract, but can take a significant toll on the state of hydration.  Conditions that stress the body and increase metabolic rate (burns, fever, a pint of Ben and Jerry’s in …

Financial Independence Skills For Kids: A Shallow Pursuit?

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This morning I took a hike with a friend through the hills along the California coast.  My friend is a thoughtful, deeply intellectual academic, and our conversation turned to the topic of what legacies we hope to pass onto our children. Reflecting my current preoccupation, I said that I hoped to pass onto my kids the keys to achieving financial …

Crossing The Bridge

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What’s a saver to do?  We’ve invested early and often in our tax-deferred retirement accounts, and our goals for these accounts should be reached in the next couple of years.  This leaves us to cover the more worrisome bridge period: that time after we quit our day jobs but before we can withdraw from our retirement accounts.  What options are …