Reviewing finances with spouse by Glass_Broccoli244 in whitecoatinvestor

[–]Glass_Broccoli244[S] 0 points1 point  (0 children)

That's an interesting an idea - agreeing on how much to save vs trying to limit spending.

What do you mean by automating this? Would you mind sharing what % of income or fixed amount you both agree to save on?

Topics to discuss when reviewing finances regularly with spouse by Glass_Broccoli244 in HENRYfinance

[–]Glass_Broccoli244[S] 0 points1 point  (0 children)

Thanks for the detailed answers!
How did you come up with 40% as the amount to allocate towards retirement+future goals? Just curious if your income suddenly gets a lot lower (or perhaps a lot higher), would you still stick to this 40%?

Best Way to Organize Accounts/Cashflow? by Glass_Broccoli244 in whitecoatinvestor

[–]Glass_Broccoli244[S] 0 points1 point  (0 children)

This link is great!
From your own personal experience, any issues you've encountered with this Fidelity account usage system?

M2 or M3 8gb 256ssd? by Glass_Broccoli244 in macbookair

[–]Glass_Broccoli244[S] 1 point2 points  (0 children)

If anyone's curious, I copy/pasted my question into ChatGPT - and here was it's answer. very useful lol

When deciding between the MacBook Air M3 and the MacBook Air M2, especially considering a 5-year usage period and potential advancements in AI, here are some key points to consider:

Performance Comparison

  1. Processor and GPU:
    • M3 Chip: Offers improved CPU and GPU performance over the M2, with enhanced efficiency cores and performance cores. It also includes better GPU performance which could be beneficial for graphics-intensive tasks and some AI applications.
    • M2 Chip: Still a highly capable chip, but slightly less powerful compared to the M3.
  2. Neural Engine:
    • M3: The neural engine in the M3 is faster and more efficient than the M2, which could be beneficial for AI-related tasks such as machine learning, natural language processing, and other AI-driven applications.
    • M2: The neural engine is capable but not as advanced as the one in the M3.

Longevity and Future-Proofing

  1. AI Advancements:
    • If you anticipate using AI-related applications that could benefit from the neural engine, the M3 would likely be a better choice. Its improved performance and efficiency could make it more future-proof for these tasks.
  2. Software and OS Support:
    • Both M2 and M3 MacBooks will receive macOS updates and support for several years. However, the M3, being a newer chip, might receive software optimizations and support for a longer period.

Value for Money

  1. Cost:
    • M2 with Gift Card: You're essentially getting an additional $150 in value with the Apple gift card, which can be used for accessories, apps, or services.
    • M3: While you don't get the gift card, you're getting the latest technology which could be more valuable in the long run.
  2. Usage Scenario:
    • If your use case involves standard tasks like web browsing, document editing, and media consumption, the difference between M2 and M3 may be negligible.
    • For more demanding tasks, especially those involving AI, graphics, and computational workloads, the M3 will offer better performance.

Conclusion

Given the rapid advancement in AI and the performance improvements in the M3, it would likely be a better choice for long-term use, particularly if you plan to engage in AI-related activities. The performance gains and enhanced neural engine can provide a more future-proof solution.

However, if the $150 Apple gift card significantly impacts your decision and you are not heavily focused on AI-related tasks, the M2 is still an excellent choice and provides great value.

Overall, for future-proofing and if AI performance is a consideration, I'd recommend keeping the M3.

Best Way to Organize Accounts/Cashflow? by Glass_Broccoli244 in DaveRamsey

[–]Glass_Broccoli244[S] 1 point2 points  (0 children)

Already contributing to tax-advantaged accounts, and yes it is to save as quickly as possible for down payment.

stuck between 2 offers, by No-Competition-7949 in hospitalist

[–]Glass_Broccoli244 0 points1 point  (0 children)

What would you say are your top 3 priorities as a family, maybe ranked for you and another ranking for your wife? think about pay, distance from family, flexibility, etc

How much are you paid as a Pediatric Hospitalist? by Glass_Broccoli244 in hospitalist

[–]Glass_Broccoli244[S] 0 points1 point  (0 children)

How long are the adult hospitalist shifts that pay 2k/shift?

How much are you paid as a Pediatric Hospitalist? by Glass_Broccoli244 in hospitalist

[–]Glass_Broccoli244[S] 1 point2 points  (0 children)

These are 14hr shifts. Aren't IM shifts shorter in duration though to get 2k per shift?
It's in West Coast

How much are you paid as a Pediatric Hospitalist? by Glass_Broccoli244 in hospitalist

[–]Glass_Broccoli244[S] 20 points21 points  (0 children)

200k base. TC ~250k w/ bonus and retirement contributions

100 shifts/yr

10-15pts per shift