Retirement investing is the process of setting aside money during your working years with the goal of generating income to support you during retirement. It's important to start saving for retirement as early as possible, because the earlier you start, the more time your money has to grow through compound interest.
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Too many docs and high-income earners actually think half their money goes to taxes. So, let's talk about effective and marginal tax rates. The post Marginal vs. Effective Tax Rates appeared first on ...
Tail coverage is no longer a technical add-on for malpractice insurance when terminating a contract. It is long-term financial protection. The post Malpractice Tail Coverage in the Age of Nuclear Verd...
An interview with Ben Carlson, where we talk about how investors can better think through risk, reward, and the tradeoffs that come with building wealth. We also discuss market fear, portfolio complex...
We asked you to fill out the 2026 WCI survey, and so many of you did. Here's what you said, what you like, and what you want us to improve. The post WCIers Are Crushing It! appeared first on The White...
John Q. Taxpayer is in the home stretch of his career, looking for the best way to catch-up and build his tax-free bucket. Meanwhile, a pair of young financial nerds in Omaha are already strong savers...
Lucky Lou is 48, burned out and wants to punch at 50. How should he bridge the gap before pensions and Social Security? Joe Anderson, CFP®, and Big Al Clopine, CPA walk through the Rule of 55, 72(t)s,...
Today on Your Money, Your Wealth® podcast 560, Joe Anderson, CFP® and Big Al Clopine, CPA spitball business development company (BDC) funds for Edward in Illinois before diving into buckets of cash, T...
Coast FIRE can produce many of the benefits of retirement, all while providing many of the benefits of still working. Here's what to know. The post Coast FIRE — How to Spend All Your Money and Still R...
We get plenty of questions about housing, home buying, and mortgages around here. Let's go through some of the common ones. The post What White Coat Investors Should Know About Mortgages and Home Buyi...
Planning on retirement in a couple years. Long time investor - actively screening and investing into my 50s. Late 50s then switched to more of a Bogle approach, which now accounts for the majority of ...
Many doctors are making critical errors when buying disability insurance. Here's what you need to know to protect yourself and loved ones. The post 17 Physician Disability Insurance Mistakes to Avoid ...
Hi everyone! My Gen X husband (60M) and I (58F) are considering retirement in the next 12-18 months. We recently met with a fiduciary financial planner. He was a great guy, and we felt a good connecti...
It's time to announce the 2026 WCI Financial Educator of the Year award. The winner received a truly great nomination. The post The 2026 Financial Educator of the Year Goes to Dr. Alan Anzai appeared ...
Answering listener questions, where we talk through reverse mortgages, refinancing during residency, LLC and brokerage account questions, and more. The post Financial Questions New and Established Doc...
This tax-advantage savings account is perfect for students.
Roger Whitney continues the decluttering series by focusing on the hidden challenges that keep people stuck. Rather than treating decluttering as a massive life overhaul, he explains how perfectionism...
Episode 521 00:00 Introduction 01:58 AI layoffs impact on commercial real estate 03:30 Logistic & Industrial real estate growth 05:05 Intel exponential performance of past 12 months 15:44 Boeing too b...
Let's talk about the key tasks—from must-buy items to financial decisions—so that you can hit the ground running while going into residency. The post The Ultimate New Resident Physician Checklist: Ess...
Due to its potential tax efficiencies, direct indexing can make sense for many investors. Here's what to know, including potential downsides. The post Direct Indexing: 3 Great Use Cases for High Net W...
Several major transition points in our lives have an oversized impact. Retirement is one of those. Here's how I'm thinking about it. The post Hanging Up the White Coat: Planning the Emotional Side of ...
Holding a significant portion of your wealth in one or a handful of individual stocks can be both exhilarating and nerve-wracking. While the rewards of watching a single company's meteoric rise can be...
Let’s journey back in time and discover how and why a tech enthusiast thought it'd be a good idea to spend 10,000 Bitcoin for some pizza. The post Happy Anniversary to the Bitcoin Miner Who Spent Hund...
Long-time readers are well aware that my wife and I give away lots of money. Here's why giving to charity is so important to our own wealth. The post Become a Giver, Get Rich appeared first on The Whi...
I still talk to my accountant about everything. The difference now is that those conversations happen alongside all my other wealth planners. The post Why Accountants Should Not Be Your Go-To for Fina...
The best financial planning software for FIRE just got even better! Check out the incredible new features that have changed how I invest! Read more → The post The Best FIRE Software Just Got Even Bett...
Balanced funds simplify investing while you’re saving. But proportional withdrawals can limit flexibility in retirement when it matters most. The post Balanced Funds: Are They a Good Choice in Retirem...
An interview with Dr. Josh Daily, where he talks about a recurrence of his brain tumor and how it changed the way he thinks about work, money, and what really matters. The post What My Brain Tumor Tau...
Do you struggle with your financial behavior—even though you earn a great income and “know better?” Let's talk about the reasons why. The post Understanding Your Financial Behavior: Why ‘Knowing Bette...
There are bad ways to spend your HSA, good ways to spend it, and great ways to spend it. Let's discuss how we decided to spend our HSA. The post 4 Reasons Why We’re Spending Our HSA Money — And Why Yo...
I have enough money in my retirement accounts and 401ks I think for the rest of my life. My question is this should I take the lump sum for the pension or monthly payments. There is no Cola. My inclin...
Working part-time as a physician is fantastic. But for it to meet all your expectations for work-life balance, it has to be structured right. The post How to Be a Part-Time Physician appeared first on...
Are you taking needless risks? It might be time for a financial check-in to see how much you really need to invest in the markets.
Discover the key differences between saving and investing and how your choice impacts your ability to retire. Learn how to balance these to retire comfortably.
You should be aware about the Reciprocal Trust Doctrine when creating trusts as part of your estate plan, especially if they're irrevocable. The post The Reciprocal Trust Doctrine appeared first on Th...
The first quarter of 2026 brought a whirlwind of market events—geopolitical shocks, surging energy prices, and a notable shift away from mega-cap US growth stocks. Despite the turbulence, the markets ...
In this post, we discuss how you can use the Actuarial Approach and its funded status metric to help you feel more confident about your spending plan in retirement. It is a follow-up to our post of Ja...
The student loan landscape has changed, and medical students will need to take out more private student loans. Here's how WCI can help. The post Need Private Student Loans? We Can Help! appeared first...
Erin Moriarty of Erin Talks Money explores the emotional side of money, retirement spending, and how AI is reshaping financial planning. The post Podcast 109: Personal Finance for Real People: DIY Inv...
Exploring how physicians and other high-income professionals can approach charitable giving in a more intentional and effective way and how reaching financial independence early can maximize the impac...
Here's everything you need to know about pet insurance, how much it costs, and whether it's ultimately worth it for you to purchase. The post Pet Insurance: Worth It or Just Hype? A Practical Look for...
Roger Whitney kicks off a new series on decluttering for retirement, explaining how the accumulation of “stuff”—from physical belongings to financial accounts to relationships—can unconsciously shape ...
If you're an investor, you're going to make mistakes. But if you can recognize them before they start festering, you'll be in a good spot. The post 13 Common Investing Mistakes Wealthy People Make (Ho...
Episode 512 00:00 Iran conflict from a cynically optimistic contrarian viewpoint 00:39 Spike in Oil is less severe than media narrative 01:17 S&P 500 turbulent but only slightly off highs 01:46 Higher...
The decade-long advice to “learn to code” is losing its edge. With tools like Claude Code handling the heavy lifting, a basic three-month online course may be all anyone needs to build what they can i...
Some people believe you should never spend your principal in retirement. Here's why I totally disagree with that philosophy. The post Believing ‘Never Spend Principal’ Will Cost You Your 60s appeared ...
Going from accumulator to decumulator is not like flipping a switch. It’s psychologically recalibrating your entire money life. The post The Psychology of Spending in Retirement appeared first on The ...
Surrounded by other high-income docs, I’ve felt the cultural pull to push my kids to excel. Should that include an Ivy League education? The post Should I Send My Kid to the Ivy Leagues? A Parent’s Pe...
One of the best online courses of the year, Continuing Financial Education 2026, has dropped—order it now to continue your financial journey. The post The Best Bang for Your CME Buck appeared first on...
Time is our most precious resource. We think of bucket list in retirement. Invest it in memories now. Create a bucket list of memories throughout your life.
Answering listener questions about comparing REITs and syndications, how to spot red flags in private deals before you commit your money, and how to avoid PMI when buying a home. The post Real Estate ...