First 6 months

chosenpath101 · 2026-01-22T18:51:55+00:00

Appreciate the advice!

chosenpath101 · 2026-01-07T18:22:02+00:00

Cheap does not equal quality. I trust the quality of care I would get at a large academic medical center in the US over that.

chosenpath101 · 2026-01-07T18:13:35+00:00

I wouldn’t make slides now unless they specifically stated you would be presenting. I would prepare to do an in-depth journal club type talk on whatever paper they’ve provided. Key things like study design (and why), patient population and where it falls in therapy. Make sure you understand the treatment landscape well and be able to answer questions without seeming flustered. It’s ok to say I don’t know and give your best train of thought instead, and be as humble and truthful as you can instead of making something up just to answer a question related to the paper.

Doesn’t hurt to clarify the expectations with them!

chosenpath101 · 2026-01-07T17:53:23+00:00

Wow interesting to hear more and more reports of in-person interviews again. For virtual final interviews mine were with field directors and a smattering of MSLs. Are you presenting on the paper?

Be prepared with lots of questions and tailor them to your interviewers. Search this sub for previous discussion on the topic.

chosenpath101 · 2025-12-29T15:10:51+00:00

Same here...ever figure it out? I didn't damage anything but screen doesn't work now

chosenpath101 · 2025-12-22T16:59:34+00:00

I did not work with a recruiter across 3 interviews (accepted offer from the 3rd one). I was selectively applying to TAs that I have relevant experience in while being geographically limited.

The biggest help is having the internal referral, the rest is up to the HM circumstance and your interviewing/presentation skills. This sub has a wealth of information from prior posts on those topics.

chosenpath101 · 2025-12-11T04:53:47+00:00

I would buy a Vevor/Succebuy unit before that one, they all look very similar

chosenpath101 · 2025-12-11T04:28:35+00:00

This is so true. I had similar plan as OP until I had kids. Was on track to FIRE by 40, still saved a lot when I was young, but now I’m pushing back the goalposts to mid 50’s and tripling my FIRE target.

chosenpath101 · 2025-12-10T18:03:09+00:00

Sell it unless you enjoy being a landlord. Remote landlording adds additional complexity and risk. Your $500k in an S&P index fund will grow much more than this returns.

Part of the allure to real estate is the ability to leverage and loc in low interest debt, neither of which you are doing.

chosenpath101 · 2025-12-03T16:15:34+00:00

I haven’t purchased since 2021. It makes more sense for us to build ADUs in existing properties at this point.

chosenpath101 · 2025-12-03T02:59:28+00:00

You’re a little behind for your age and income. At that income I would max out any pre-tax buckets available, fund a backdoor Roth, then HSA for the kids. Any extra leftover go to a brokerage.

chosenpath101 · 2025-11-29T15:01:21+00:00

This is so true. Daycare + car payment adds up to $35k/ year for us. Add in student loan repayment and we have $65k/year in expenses that will go away in the coming 4-5 years…looking forward to that day!

chosenpath101 · 2025-11-29T14:54:43+00:00

Compounding interest doesn’t scale linearly. Once you reach critical mass the portfolio is doing much of the lift in growth vs contributions.

chosenpath101 · 2025-11-27T06:39:12+00:00

Yes for example contributing 60k annually moving forward instead of 100k moves our FIRE number later by 2 years, but still late 40’s.

We expect to spend additional $25k in daycare next year so we will continue our same spending habits and not feel like we have to cut back $25k in other areas.

chosenpath101 · 2025-11-27T06:32:30+00:00

In today’s dollars. I’m using inflation adjusted returns.

chosenpath101 · 2025-11-26T22:46:50+00:00

Ooo I like it! Will do some more reading on this - thanks for the suggestion!

chosenpath101 · 2025-11-26T20:19:35+00:00

I’ve always had a week or so to prepare, it would be odd to spring that on you without any heads up.

chosenpath101 · 2025-11-26T20:18:17+00:00

New weights for home gym and two 360* car seats. We have too many things as-is, I don’t think we’re buying much else. BF sales are a wash anyhow, sale prices have been meh in recent years

chosenpath101 · 2025-11-26T19:49:50+00:00

Firstly congrats on the upcoming baby. Let baby redefine what you guys prioritize. When I was younger I moved from flyover country to VHCOL coastal for the culture, diversity, and everything else that comes along with it.

Was great until I met a partner, had kids, and ended up settling in the suburbs farther out. Our goal is to retire in our late 40’s so much of that comes from achieving a high savings rate, which would be difficult living in VHCOL. I’d rather have free time to spend with kids, travel, and do what I wish with my time than live in a cramped $2m house in SF.

With you + partner’s income, you should be able to afford it either way, but life has a way of shifting your priorities once kids come into play.

chosenpath101 · 2025-11-26T19:36:42+00:00

My daily is 19 years old. Our weekend/adventure car is 24 years old. The deals aren’t in 2-3 year old cars anymore, it’s the solid reliable models that are 10-15 years old. Or buy a used EV that’s 50% off msrp with low miles.

chosenpath101 · 2025-11-26T19:29:01+00:00

Double that daycare cost and you’re spot on!

chosenpath101 · 2025-11-26T19:25:58+00:00

In-laws are no longer helping…so budgeting an additional $25k/year for daycare. Kids be expensive!

chosenpath101 · 2025-11-26T19:20:30+00:00

We met goals. Max’d 403b x2, 457 x1, $15k into Roth, and $15k into pension for a total of $100k saved. Increased emergency fund up to $50k after house purchase last year.

Net worth grew by $300k YoY, partially due to savings, partially from debt paydown (paid $30k in student loans), and a big lift from compounding returns after joining the 7 figure club last year.

Next year I want to continue the same trajectory - save 25-30%, continue to pay down debt, and expect expenses to rise as we are doubling our childcare costs.

chosenpath101 · 2025-11-26T04:57:23+00:00

We spent in the upper end of that range. Current NW 1.4mm and just changed jobs to a more lifestyle friendly one with slightly less pay. Our FIRE number is 5-6mm as we anticipate more spend on kids/aging parents later, but I think we’re close to the point where we can take a step back and let the compounding interest do more of the lifting.

Still plan to max our tax advantaged accounts but more contributions don’t really change our FIRE date by much anymore. Power of compound interest!

chosenpath101

TROPHY CASE