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 […]
Category: Personal Finance
In this category I focus on all topics from investing to taxes to debt. Personal finance is a great way to make a career headway. The better you can optimize your spending, the less income you need. And the more career freedom you can enjoy.
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. […]
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 […]
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 […]
Housing is a significant expense in our lives. The more I earn, the more I rely on my medical income. I want to drive my housing expenses as far down as possible, hence this condo purchase in Southern California. As a single guy, it’s much easier for me to do these things. I understand for […]