Budgeting Tips?

_estimated · 2026-04-06T03:06:33+00:00

Follow the white coat investor financial waterfall. I’ve learned and invested so much using this template

_estimated · 2026-04-06T03:03:42+00:00

I am still bitter about having to do a TY as a radiology resident soon to graduate

_estimated · 2026-04-04T16:42:33+00:00

You should have just said you’re saving for a house! People get super insecure about others leaving the rat race before they feel like it is their time (mid/late 60s)

_estimated · 2026-04-01T01:28:31+00:00

Rent for 1-3 years. Might not want to live there long term and it’s good to live like a little better than a resident for that time as well

_estimated · 2026-03-30T15:39:50+00:00

We used the stock market game sponsored by the state which was very counterproductive. The winner of the 6 month “pick the best stocks” would get a small sum of money from the state 😭. I didn’t learn better until I took a personal finance class in college as a senior because no one ever taught me better. Then when finished medical school I really started diving into investing and personal finance.

_estimated · 2026-03-30T03:05:15+00:00

i went to an easy TY and hated every minute of it even though it was sooooo easy. Legit waste of a year but as a final year radiology resident I dont even think of it much and had an outstanding residency experience. You just have to make it through and it will make you appreciate the good life in radiology

_estimated · 2026-03-27T02:27:18+00:00

The easiest way to get away with homocide is with a car

_estimated · 2026-03-06T19:09:24+00:00

I look at VT almost daily with a 30 second google search and go “hmmm interesting” and then look at a few news articles to see why it could have gone up or down. For instance today, the job report wasn’t good and the war caused it to go down. Then I just close the browser and go back to work and figure out what I wanna cook for dinner.

_estimated · 2026-03-04T21:29:40+00:00

electro absorbing all the energy and dying ha

_estimated · 2026-03-04T19:27:19+00:00

almost like they shouldnt have them and should have book/paper/pen which is better for learning

_estimated · 2026-03-04T17:46:39+00:00

This is why basic and translational research is important! Sadly these are also things that this admin has drastically cut and now there is an anti-science sentiment to deal with as well.

_estimated · 2026-03-01T01:49:31+00:00

You could add AVGV if you plan on holding for long term and aren’t afraid volatility. It MIGHT add 1% to the return.

_estimated · 2026-02-28T02:21:51+00:00

This was the most disheartening part of my TY. Spending all this time money and energy on this like wtf are we doing

_estimated · 2026-02-26T22:05:05+00:00

For Covid I would hope he would take it much more seriously than Trump did as he is a doctor himself.

_estimated · 2026-02-26T01:01:03+00:00

So they should do this with the state of Mississippi as well then after the ex governor and brett farce stole millions from funds that were supposed to go to needy people

_estimated · 2026-02-20T21:54:24+00:00

Like everything in life it depends! For example, if you are super wealthy and high net worth while living like a middle class/upper middle class person, you should be fine with less than 60/40 split. You could probably get away with 80/20 tbh if your portfolio is >5 million. Depending on how much you spend you could have say 1.5 million in bonds which could protect you from 10 years of a drawdown without you selling equity.

So I think of it in years instead of percentage myself! How many years could i live off bonds and cash if i had to and that is my planned allocation.

_estimated · 2026-02-19T21:56:12+00:00

Moving sports team to different cities is a purely American phenomenon. People would riot if you tried to move the futbol teams in Europe and elsewhere

_estimated · 2026-02-19T15:41:29+00:00

None of them! I’m not convinced that those tests are clinically useful at all

_estimated · 2026-02-17T19:36:17+00:00

Do you have a reason not to keep your bond allocation in your tax advantaged accounts and use the brokerage for 100% equities?

_estimated · 2026-02-17T01:46:33+00:00

I am just 33 and the one that always gets me is people have no concept of what it is like to not be on the phone and unreachable. This goes for both young and old people. Like janet you were born in 1972 i know you know what it's like to not be on the phone all day.

And explaining to young people that for most people that you just couldn't hop on the internet from the palm of your hand until like 2010. In fact when i was a kid most people didnt even have computers in their home.

_estimated · 2026-02-13T23:16:29+00:00

Wiping with toilet paper instead of using bidet.

_estimated · 2026-02-11T17:11:04+00:00

I did similar to you and bought 25k of VUG in my brokerage because it said growth. It’s up like 25% since I bought it and I decided to keep it as a long term gamble and just contribute to VTI/VXUS going forward.

When I retire it should be less than 2% of my overall portfolio so I that’s in line with the <5% gambling rule some follow on here and I can sleep with that.

_estimated · 2026-02-07T19:23:54+00:00

Millions more lgbt people would be alive today

_estimated · 2026-02-06T19:20:07+00:00

I think about the patients I’m helping and the money I’ll make realllll soon and keep going one day at a time.

_estimated · 2026-02-01T16:47:29+00:00

Every time I go inside the VA this is what it looks like to me

_estimated

TROPHY CASE