Moments In Geologic Time

crispydoc Uncategorized 4 Comments

This morning I was getting my lazy butt back into the swing of cycling when I noticed a chunk of rock sliding down a hillside next to the road. It was a fist-sized chunk, and did not threaten to strike me, but it focused my attention on something I seldom consider, the geologic time scale. Rocks like this scatter alongside …

Missed Connections: Administrator Seeks Pit Doc

crispydoc Uncategorized 3 Comments

Craigslist runs a Missed Connections column where would-be romantics (and unsubtle sex seekers) anonymously confess sightings of potential mates that got away in often mundane settings, a wonderful place to explore vulnerable admissions by folks who regret not having voiced their feelings in the lost moment. One of the finest adaptations I’ve seen of this column is the artist Sophie …

Whole Life Insurance And Craniotomies

crispydoc Uncategorized 1 Comment

A friend recounted his recent experience interviewing a prospective financial advisor. He’d been favorably impressed. The would-be advisor informed him that he would not only help with investments, but provide tax strategy recommendations as an added value, to show how far he was willing to go above and beyond the less comprehensive services provided by his peers. The suitor’s first …

Does Being An Employee Confer Greater Flexibility For Female Physicians?

crispydoc Uncategorized 4 Comments

Mass media is a fickle entity. One minute medicine is approaching peak burnout and physicians are in crisis. The next we’ve never had it so good. The New York Times recently published the provocatively entitled article, “How Medicine Became the Stealth Family-Friendly Profession.” The article profiled several female physicians who are also young mothers: All of these physicians cited work-life …

Newbie Wants To Accelerate To Supersaver (2 of 2)

crispydoc Uncategorized 2 Comments

We’ve calculated you’ll need an income of at least $280k in order to max out your i401k. To max out the contributions we’ve discussed as an independent contractor you’ll be saving Total savings: $75k. A very respectable sum that corresponds to a 27% savings rate on an income of $280k. Sure, you can fund those as well (especially if your …

Newbie Wants To Accelerate To Supersaver (1 of 2)

crispydoc Uncategorized 4 Comments

A reader is an independent contractor in emergency medicine. He is married with young kids, looking to buy a house in the next 1-2 years in a high cost of living (HCOL) area in a high income tax state. He graduated residency fewer than five years ago and is on an accelerated learning program toward financial literacy, devouring books on …

The Budget Bon Vivant

crispydoc Uncategorized 3 Comments

We’re baa-aack! This summer’s big trip (vacation is a term my wife and I reserve for travel without children; trip refers to travel with children) was to Spain, and I thought it might be worthwhile to share the tips and tricks that made this one wonderful, as well as the fails that we’ll learn from going forward. We began in …

Taking On A Loved One’s Emotional Burden

crispydoc Uncategorized 5 Comments

Yesterday I watched a particularly moving film, The Farewell. [I hate spoilers, so nothing that follows is not already evident in the trailers.] The film follows the Americanized branch of a Chinese family through the eyes of a millennial granddaughter as she returns home for a final visit to the family matriarch who has been diagnosed with terminal cancer. Heavily …

Does Your Career In Medicine Cause You Shrinkage?

crispydoc Uncategorized 14 Comments

I was in junior high school the first time I accepted a friend’s invitation to join him in the Pacific Ocean. He’d been surfing since grade school, and agreed to lend me a spare bodyboard for our afternoon at the beach. After his mom dropped us off, he wrapped a towel around his waist and shimmied into a full length …

Primary Care Business Owner Wants To Cut Back (3 of 3)

crispydoc Uncategorized 3 Comments

In our second installment, we explored variables within Dr. PBO’s control that might reduce the unpleasant aspects of his job. Assuming he has adjusted those within his control, let’s talk about he might go about becoming (apologies to Seinfeld fans) a master outside his domain. Dr. PBO’s scenario already has one great advantage: he is a business owner, an increasingly …