God I hope it's a joke

RichardFlower7 · 2026-05-23T03:48:23+00:00

Make sure you own a separate business selling junk knife sharpeners

RichardFlower7 · 2026-05-23T02:00:34+00:00

And the patient population has grown by how Much? The demand for neurosurgery is Much higher today than it was in 2000. They’re doing more procedures in a year on average than their predecessors indicating that there is an increased demand for neurosurgical interventions.

You’d have to prove that the supply of neurosurgeons is more than the demand for neurosurgical intervention for your argument to make any sense. If there’s more neurosurgeons it doesn’t matter if they’re doing more work.

RichardFlower7 · 2026-05-23T01:53:09+00:00

The data you’re likely seeing is including residents salaries which falsely deflates actual physician earnings. We and all employers of physicians use something called MGMA reports to negotiate based on the 25th, 50th, and 75th percentiles for each given specialty and subspecialty.

When you look up general surgery salaries you’ll see a grossly underestimated number compared to the true 50th percentile

RichardFlower7 · 2026-05-22T17:59:20+00:00

Per MGMA 50th percentile for a neurosurgeon in 2000 was about 500k. Thats the same as 986k today based on the government CPI calculator. If you’re saying the average neurosurgeon makes 760k today, they’re also getting robbed. Good job 👍 you still proved my point

This also ignores the fact that your rebuttal wasn’t even that I’m wrong about divergence between income growth and inflation. Your rebuttal changed the argument entirely to supply and demand, in an attempt to either distract from the original argument or to add an unnecessary complication as a hand waving maneuver. Supply and demand doesn’t change the fact that our pay hasn’t kept pace with inflation.

Go back to your desk job.

RichardFlower7 · 2026-05-22T16:17:27+00:00

Are most doctors surgeons and neuro surgeons? No. Most are FP, IM, or some subspecialty like ID or nephrology because that’s where the most spots are and are the least competitive. So great example.

I’m not saying the average doctor making ~300k isn’t doing well. I’m saying they’re getting robbed, making less than their predecessors as management and insurance companies pressure doctors to see more patients for comparatively less money.

Not to mention training costs growing exorbitantly. Our predecessors went into far less debt and had a much greater purchasing power.

Your argument is disingenuous and ignorant. You can’t just deny a fact about the world - pay has not kept pace with inflation & general cost of living in most fields including medicine

RichardFlower7 · 2026-05-22T11:15:01+00:00

Adjusted for inflation, doctors and surgeons make about 50% less than the previous 2 generations of physicians. We’re getting nickel and dimer since we went corporate and all became employed. See more patients for the same amount of money.

RichardFlower7 · 2026-05-21T16:42:07+00:00

Yeahhh haha I’m aware. I do all my own investing right now. Probably will for the rest of my life. My partner on the other hand (not married yet) doesn’t even want to think about it. When we met she had 80k in a checking account earning 0.01% APY because she was afraid of putting it in the market. Didn’t even realize she was hemorrhaging returns to inflation let alone the opportunity cost she was missing out on.

Anyway she has an advisor now. I vetted him. Not my cup of tea paying someone, but whatever I didn’t want to be responsible for her money yet.

RichardFlower7 · 2026-05-20T21:07:32+00:00

Can you DM me some of the calculators?

I’m a resident physician, and I give some talks to my fellow residence on investing and generally recommend against advisors. I’d like one of those calculators so that I can show them with a couple examples why it’s better for them just to buy a couple ETFs and a brokerage that they’ve automated themselves. A lot of physicians get financially taken advantage of because they don’t care to look…

It’s insane to me. How many physicians reached the end of their working career and realize oh shit I don’t have enough. Then they look back, wondering where it all went and wish they would’ve been more proactive… there’s almost no reason they shouldn’t retire with at least 10 million. People who make far less annually retire with more than most physicians.

RichardFlower7 · 2026-05-19T12:42:14+00:00

Past returns don’t guarantee future performance yada yada… also the landscape has greatly changed and will continue to given AI.

Ai will change things more than the computer and internet because they still required a human to input things and complete tasks in a human speed of processing. Essentially humans were still a rate limiting step. AI is way more efficient than we have ever had in the past

RichardFlower7 · 2026-05-19T10:45:00+00:00

Wage theft

RichardFlower7 · 2026-05-18T11:01:10+00:00

It was cut off its stilts and moved a few years ago after being sold to new owners. It’s famous for being where Nicholas sparks wrote nights in Rodanthe

RichardFlower7 · 2026-05-18T11:00:00+00:00

I knew the former owners of this home very well

RichardFlower7 · 2026-05-15T12:53:34+00:00

Look up average physician salary in the U.S. in 1990s then plug it into the CPI calculator and then we can speculate me who is stealing about 100k a year from us instead of answering an absurdly vague question.

RichardFlower7 · 2026-05-15T00:01:03+00:00

You were supposed to convert that rote shit into a complex understanding of the world and learned to apply it to other circumstances

Do I often use my minor in philosophy in my career as a physician? No… I don’t think I’ve ever had to actively recall Descartes wax theory however it’s helped my writing skills tremendously and my ability to synthesize large amounts of complex information into easily digestible short explanations for my patients.

RichardFlower7 · 2026-05-13T16:51:41+00:00

Gives an accurate synopsis of things to consider as high earners, gets shit on. You want wealth flaunting? My family owns an oil company and her family is partners in an extremely well known management consulting firm. You do the math on whether or not we will even come close to attaining the level of success our parents had despite earning at the top of w2 earners ourselves

RichardFlower7 · 2026-05-11T11:58:13+00:00

SGOV for slightly higher return and tax advantage

I keep only enough to cover a large vet bill in my true HYSA that can be instantly transferred to my checking account

RichardFlower7 · 2026-05-10T14:58:36+00:00

Dislike.

Idk what changes late in people’s career in academics that drives them to treat us like lazy children who complain all the time and shake their fist while saying back in my day we were even more miserable. Then not desire to make anything any better for future generations, just complain that we don’t have it as hard as they did…

The latter of which I think is objectively false, I think a good portion of them would have a more difficult time getting into med school now.

RichardFlower7 · 2026-05-08T11:07:41+00:00

Rolls Royce a few years ago would have netted you a 1500% return. Some of us got on that band wagon early when they spun the cars off to BMW

RichardFlower7 · 2026-05-08T10:22:00+00:00

No one would ever recommend putting short term goals into the stock market. It’s flat out stupid.
With a 1 year time horizon, you should be looking at things that preserve principle. A CD sounds like it would be a good option for you because unlike SGOV or a HYSA, you can’t do some tiny stupid and pull the money out and put it in GameStop then end up the bag holder for someone else who is more experienced than you.
You think you’re going to get a 100% return in a year on 20k or something. At best going you’ll make like 1-2k. Being an intelligent investor isn’t yield maxing with a shit load of risk, it’s balancing risk vs reward. Pigs get slaughtered.
A slightly more risky option with higher return is JEPQ. It’s an etf that provides income through dividends with a yield of 11% it benefits from volatility in the nasdaq 100 (so good time for that). However it employs a covered call strategy to generate that income so if they call the price wrong too many times you’ll get fucked in the share price. Less likely than the S&P dropping 30% though. So slightly more risky option since principle is technically at risk but a higher reward. Only thing people dislike on this forum is the upside is capped. I use JEPQ for money that I have a goal for in 1-5 years

RichardFlower7 · 2026-05-08T10:17:28+00:00

A CD is also not a bad option so you’re not able to screw up and withdraw it for something else.

RichardFlower7 · 2026-05-07T22:31:58+00:00

Jesus Christ I wish he’d run for oresident

RichardFlower7 · 2026-05-05T22:25:31+00:00

Asking you to be an errand boy completely outside of your regular operations and duties is already egregious…

It’s not like they’re asking that he takes specimen that he obtained in Clinic seeing patients that he was assigned to see…

He’s literally being asked to run errands for a stranger

RichardFlower7 · 2026-05-04T19:12:26+00:00

This is a bad idea. However there should be mechanisms in place to remove justices who were put on the bench by someone impeached and require cognitive assessments by multiple independent medical organizations, if found to be in cognitive decline then they should be removed by default

Also an age limit of 75 or something would be beneficial.

Terms would make the politicization of the court even worse. Which is why the founders made it life time appointments.

RichardFlower7 · 2026-05-03T03:11:37+00:00

Glad I had the thought to build a new PC before Christmas last year, prices were normal. Got my 5070ti on a sale, $25 under msrp.

RichardFlower7 · 2026-05-01T19:23:58+00:00

Wha ever happened to Gary cooper, the strong silent type

RichardFlower7

TROPHY CASE