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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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 ...
With the federal student loan landscape rapidly changing, many future doctors are thinking about taking the three-year medical school route. The post Nearly 60% of Future Physicians Prefer a 3-Year MD...
One of the key ways to FIRE is to save and invest aggressively. You've forecasted your misery, therefore, you know that by the time your misery becomes a reality, you'll have invested enough money to ...
Every year or two, the market hands you a gift wrapped in anxiety. You watch your portfolio bleed, you refresh your brokerage app more than you should, and you feel helpless. But when you have childre...
One of the more common retirement concerns I hear from new subscribers is the transition from saving for retirement to spending retirement savings. During our careers, we’re programmed to sacrifice sp...
Chris Orestis, founder & president of Retirement Genius, answers the question: “Is Social Security going bankrupt?” “If we don’t address the financial shortfall… it would trigger an immediate 20% or g...
Dr. Wade Pfau explains four ways to beat sequence of return risk and turn your retirement savings into retirement income. For most of your working life, retirement planning feels relatively straightfo...
Chris Orestis, founder & president of Retirement Genius, explains how to make more informed Social Security decisions. Social Security is one of the most important decisions in retirement. And yet, ma...
We were so close to moving to our dream neighborhood in our dream city. But it turns out that not living in the "cool city" isn't a bad idea. The post The Financial Benefits of Avoiding the ‘Cool Plac...
Here's how to manage portfolio risk in uncertain times, without losing your cool. Because "a well-built plan ... should not follow the news cycle."
Many doctors assume that once they move overseas, US taxes become simpler. In reality, living abroad can make your tax life way more complex. The post The Expat Doctor’s Common Pitfalls: Why Living Ab...
We asked 15 questions to determine how those who have retired got there. So far, about 125 people have responded. Here's what they said. The post ‘I Got Poor Advice from an Accountant . . . That’s a B...
An interview with FPL's Amanda Harrell, where we talk through how to handle a 401(k) rollover without blowing up your Backdoor Roth IRA, whether direct indexing is really worth it, and what to think a...
Preparing for a bear market is critical. Because we know that another one will be coming along at some point, whether we like it or not. The post Preparing for and Surviving the Next Bear Market appea...
Cheaper doesn’t always mean better when it comes to insurance quotes. Quotes can vary widely—not just in price, but in what they cover. The post Don’t Cheap Out When It Comes to Insurance: The Cheapes...
Afternoon all - A few days ago, I saw a video from a fianancial consultant who was advocating that if you own a home you should consider selling it when you retire, take the proceeds from the sell and...
Whether you think debt is a good tool for your future or if you're appalled by it, there's plenty of nuance about the idea of being in debt. The post A Rant About Nuance in Debt Management (Stupid Deb...
Let’s examine a few cases of people who had tons and tons of money and then lost it all and see what we can learn from their mistakes. The post How Mega-Rich People Lose All of Their Money — and How Y...
Starting in 2026, the Federal Thrift Savings Plan (TSP) began allowing in-plan Roth conversions. Here's what you should know. The post Yes, You Can Now Do Roth Conversions in Your Thrift Savings Plan ...
Some might feel this is a ridiculous premise, but it actually could make sense to use airline points to manage risk in early retirement. The post Using Airline Points to Manage Sequence of Returns Ris...
Talking in depth about index fund investing, and answering listener questions about handling inheritances from your parents and making smart tax moves around withholding, estimated payments, and capit...
Should medical residents be buying a house that they'll probably only live in for 3-5 years? I don't think it's a great idea. The post The Case Against Resident Homeowners appeared first on The White ...
Since we can actually start using Trump accounts, aka 530a accounts, on July 4, 2026, let's talk about what we actually know about them. The post What You Need to Know About Trump (530A) Baby Bonus Ac...
it's worth parsing Dave Ramsey's recent discussion of the Bogleheads and then talk about what both parties get right. The post Dave Ramsey vs. the Bogleheads appeared first on The White Coat Investor ...
We’ve all read the research about the “Go-go, slow-go and no-go” periods of retirement and decreased real-dollar spending as we age, but contrary to observed research, most decumulation strategies tod...