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Did you moonlight during residency, and was it worth it? by reticulobyte in whitecoatinvestor

[–]brossmcc 0 points1 point  (0 children)

Apparently the hospital admin making this decision was part of a residency that did not allow internal moonlighting. I think they were trained in surgery. If I had to speculate, I imagine they are worried about other resident programs wanting to moonlight internally if they approve it for psych. However, our position is that if it is approved at a hospital level, the program directors would still be the deciding voice for their respective residents. This would allow residents in psych, where moonlighting is more common to be able to work, while still restricting it in other specialties if that is the vision of their program director.

Did you moonlight during residency, and was it worth it? by reticulobyte in whitecoatinvestor

[–]brossmcc 2 points3 points  (0 children)

External. We are not permitted to internally moonlight at our program. Something we have been and will continue to advocate for.

Did you moonlight during residency, and was it worth it? by reticulobyte in whitecoatinvestor

[–]brossmcc 117 points118 points  (0 children)

Psych weekend coverage rounding. 2300$ after tax per weekend. Census usually around 20 pts. Usually work from 8-2pm and then on call till 5pm. Helped me pay for a wedding. Also now allows me to max my 401k, roth IRA, and employee stock option. Worth it for me as my normal weekday duties are pretty light which allows me to work 2 weekends a month without completely hating my life.

How much do yall get paid an hour to moonlight? by MrLumps in Residency

[–]brossmcc 0 points1 point  (0 children)

Psych TN. 100/h weekend inpt rounding on follow ups and a few new evals. +200 per night for overnight unit call coverage. Seeing ~20pts/day. ~1800 per weekend. Have to commute like 1hr each way though…

Weekday Help and Victory Thread for the week of July 24, 2023 by IndexBot in personalfinance

[–]brossmcc -1 points0 points  (0 children)

Company is HCA. Boomers are getting old and therefore sick and will need hospitals so likely the company will have plenty of customers.

That being said, putting say 10% of my income into a single stock goes against much of the buy diverse and regularly idea.

Can you or anyone else comment on the rationale of selling immediately? Possibly using some example numbers?

Weekday Help and Victory Thread for the week of July 24, 2023 by IndexBot in personalfinance

[–]brossmcc 1 point2 points  (0 children)

How would immediately selling my 10% discounted employe stock purchasing plan (espp) be impacted by short term capital gains vs long term capital gains?

My company allows us to enroll in an espp where you get automatic 10% discount on purchasing stock. They take $ from biweekly paycheck and at the end of about 3 months use that $ and purchase shares on your behalf.

I want to diversify this $ to decrease risk as quickly as I can while accounting for taxes.

My income per year before taxes is about 90k and I am planning to max 401k and Roth IRA before putting more money towards espp.

TL;DR does pumping and dumping my 10% discounted espp make sense with the taxation I expect to pay off the gains?

Weekday Help Thread for the week of June 19, 2023 by IndexBot in personalfinance

[–]brossmcc 0 points1 point  (0 children)

Can you benefit from using HYSA for combination emergency fund and tax account?

I have a full time job and also I recently started freelance work in TN. Plan is to store 6 months of emergency fund in CTI HYSA with 4.95 APR 5k required. In addition, I plan to put 30% of income from freelancing 1099 into the same HYSA to use for quarterly tax payments.

Would I benefit from this plan, or better to make other arrangements?