Should I Retire: a False Dichotomy Whether I should retire is not a yes or no question. Whenever you only have two choices, that’s a false dichotomy. There are always more than two choices if you are honest. So, since […]
Imposter Syndrome and Retirement “Face it Til You Make It” is the cure for imposter syndrome. It is an obvious variation of fake it til you make it. We all face high-stress situations when we feel inadequately prepared. Imposter […]
Are lower expectations the key to a successful retirement? We demand a lot out of retirement. What if the key to a successful retirement is lower expectations? We spend a third or more of our life retired. After all […]
Freedom Freedom is the ability to respond rather than react. This means that the amygdala has detected a threat. And you become conscious that your body has detected a stressor. Viktor Frankl says: “Between stimulus and response, there is […]
Lock in Training Rates for Disability Insurance I’ve been giving financial talks to third-year family medicine residents for seven years, and I have been impressed with the degree of improvement in their financial literacy. The one exception is that […]
Accumulation Basics for Physicians Assume you make a doctor’s salary and are just starting. You need to understand the basics of accumulation. Of course, you got a late start since you are old after med school and residency and […]
Investing as Simple as Possible Investing made as simple as possible: Buy stocks when you have the money Sell when you need the money Simple and easy. But let’s get into the details to determine what you should do. […]
In a New Era of Bonds Do I need Bonds in my portfolio? We are in a new bond era with a non-zero interest rate, so I thought it was time to ask whether I need bonds in my […]
Should I buy short-term TIPS or just a regular TIPS fund? TIPS, like other governmental bonds, have duration. Duration reflects the investment’s sensitivity to changes in interest rates. Should you buy short-term TIPS or, perhaps, an intermediate-duration TIPS ETF? […]