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20% Profit Margin for a Primary Care Practice

My buddy owns multiple fast-food restaurants. Each location has a net profit margin of around 15% after the food costs, rent, employee payroll, insurance, repairs, and utilities. The average primary care practice doesn’t do much better than that. The kicker is that my buddy doesn’t have to flip burgers or put his finger in someone’s […]

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About Those Predictions…

So, real estate was supposed to crash, driving down housing costs to make them much more affordable. AI was supposed to read X-rays for us freeing up more time for physicians to focus on other things. And stocks would come down by a lot, making it the perfect time to buy with all that cash […]

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Short-Term Health Insurance

I’m a healthy 40-year-old male with a BMI of 23 who doesn’t smoke. I have no heart disease in the family and don’t do any drugs. I don’t have any pre-existing medical conditions and eat a 99% whole plant-based diet. I would say that such an individual is unlikely to develop a chronic medical condition. […]

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Saving for Retirement After Age 50

For the new readers here, I retired from medicine in 2016 at age 38. I still continued to do some income-generating work but at a much slower pace. I even continued to contribute to retirement accounts but never understood the value of saving for retirement after age 50. Retirement Contributions After 50 I have a […]

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The Burden of a Mortgage

In 2022 I obtained a mortgage after nearly 2 decades of being debt-free. Here is how the burden of a mortgage has affected my lifestyle. The Downside of Debt I own 2 properties that I bought in cash – Portland (2014) and Spain (2018). Other than HOA dues and property taxes, these are relatively inexpensive […]