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20-Day Radical Financial Makeover

A Radical Financial Makeover Yesterday I published a 20-day guideline for physicians who want to rein in their finances. It was rather benign. I have revised it to make it a little more radical. For anyone who has truly committed themselves to a goal or process, they know that it rarely feels like a sacrifice. It’s […]

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Ending 7 Years of Budgeting

I started budgeting in 2012 when I first found the YNAB software. It was a life changer. I had no clue how much I was spending every month until I could track it and plan out my spending. After 7 years, I’m bring my budgeting to an end. Just last month, January 2020, I decided […]

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20-Day Financial Makeover

Transforming Your Financial Life Here is the milder version of my financial makeover plan for a physician. The radical version can be found on this page. To me, it’s all about freedom. Yes, it’s a sacrifice but it doesn’t mean that you have to suffer. I retired in my late 30’s from medicine and moved […]

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Living on Less in the US

I’ve decided to get up and leave and live in Spain. That’s one way that I’ve managed to lower my lifestyle expenses. Since I can earn my money from US customers, I get to still enjoy a high location-independent income and spend in a cheap economy. But that’s a drastic way of living an affordable […]

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Spending Money Socializing with Doctors

I’m not naturally frugal, so when I’m outside of my comfort zone I tend to revert back to old habits. Spending money socializing is one of my weaknesses. Well, among many others. I know the counterargument is that your friends and family are worth spending money on. Supposedly, if your friends matter to you then […]