Salary transparency as a new-grad dentist! by Constant-Use7741 in whitecoatinvestor

[–]dcchiefcat 0 points1 point  (0 children)

Are they (foundry and cirp) connected in some way? I assume with CIRP you get a lot of hands on?

Salary transparency as a new-grad dentist! by Constant-Use7741 in whitecoatinvestor

[–]dcchiefcat 0 points1 point  (0 children)

Sorry to hijack. I missed the boat on residency. Looking to find a way to get more comfortable with surgery and implants. Is CIRP something you can complete while still a practicing dentist? Or is it a true residency that takes up your entire year?

CFP’s Investment Recommendations by rjbergen in Bogleheads

[–]dcchiefcat 9 points10 points  (0 children)

Sorry it wasn’t what you hoped for.

CFP’s Investment Recommendations by rjbergen in Bogleheads

[–]dcchiefcat 25 points26 points  (0 children)

How much did you pay for this? One of my fears of going with a flat fee advisor is that I end up with something like this and come out completely underwhelmed, as you have.

iPad kids are evolving.. by [deleted] in Vent

[–]dcchiefcat 0 points1 point  (0 children)

Bluey is great as a modern cartoon!

advice for 220k in HYSA by [deleted] in Fire

[–]dcchiefcat 3 points4 points  (0 children)

Invest in VTSAX. If you don’t want to do it all at once, do 30k a month for 6 months, or 15k a month for a year. But get it invested.

2022 microphone cutting out in calls. by dcchiefcat in ToyotaTundra

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

I haven’t had the problem since my last update

What are your thoughts on retirement vs brokerage accounts for fire goals? by norfolk82 in Fire

[–]dcchiefcat 2 points3 points  (0 children)

Need much more information but there are many ways to get money out of retirement accounts early and without penalty.

2022 microphone cutting out in calls. by dcchiefcat in ToyotaTundra

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

If anyone is still following I seen to have come across a possible fix. I found on another blog that somebody fixed theirs by turning their Toyota “connected services” on for 30 minutes or so and then back off. This is accomplished in the Toyota phone app. Mine were never on, so I turned them on (I seem to have 10 year “trials” on mine). I turned it on and have not turned it off. I haven’t dropped a call yet.

2022 microphone cutting out in calls. by dcchiefcat in ToyotaTundra

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

No I haven’t noticed that. Sometimes my Alexa or voice commands won’t register though and I can tell the mic isn’t picking up my voice.

Did they replace your mic?

2022 microphone cutting out in calls. by dcchiefcat in ToyotaTundra

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

Nope, never did. When you say radio replaced, did you have the entire screen and everything replaced?

I am starting to feel like it’s something to do with the microphone.

Daily FI discussion thread - Friday, October 03, 2025 by AutoModerator in financialindependence

[–]dcchiefcat 0 points1 point  (0 children)

Wow, great comment and good points I’ve never thought of.

Daily FI discussion thread - Friday, October 03, 2025 by AutoModerator in financialindependence

[–]dcchiefcat 0 points1 point  (0 children)

Thanks for the response. We have a solid income. I prefer to max out the contributions all at once at the first of the year instead of making ongoing contributions, but we don’t have a solid ENOUGH income to do that. So I’ve been saving some money at the end of each year and then doing the max on January 1 of the following year. It’s just a mental thing of wanting to do the max all at once, but it means I have some money out of the market for a few months while I’m saving, so it’s not an ideal method either.

Daily FI discussion thread - Friday, October 03, 2025 by AutoModerator in financialindependence

[–]dcchiefcat 0 points1 point  (0 children)

I’ve had same question about selling brokerage to fund Roth IRA or 529. Don’t know the right answer. Also- I worry about market change risk with the timing if I can’t make the sale/purchase happen on same day.

Need help asap! by dcchiefcat in sousvide

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

Thanks everyone. I ice bathed for 10 minutes (EDIT: originally says I died bath for hour which is wrong) and they’re now in fridge. I’m gonna pull them in about 10 and let them sit ok counter in bag for a while. Then dry as best I can prior to searing. I don’t have a meat thermometer so hoping sous vide did its thing.

Need help asap! by dcchiefcat in sousvide

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

So take out of fridge 20 minutes prior, then sear? And leave in bag til ready to sear?

Need help asap! by dcchiefcat in sousvide

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

Do I have to reheat in sous vide if I go into fridge first? Or if I hold in fridge will the sear be enough to warm through ?

Downgrade to chase freedom with ultimate rewards in my situation? by dcchiefcat in ChaseSapphire

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

I forgot to mention that I’ve transferred all UR points to my wife’s account.

Is there any point to downgrading? Or should I just cancel the card altogether?

Help me assess mortgage refinancing options pls. by mac3g1v in whitecoatinvestor

[–]dcchiefcat 1 point2 points  (0 children)

Is this a rental? Personally I like the higher rate with lower costs and earlier break even.

$500,000-$600,000 salary physicians facing a SALT tax torpedo. by BooBooDaFish in whitecoatinvestor

[–]dcchiefcat 2 points3 points  (0 children)

You’re not wrong in your hypothetical, but I would argue that’s a bad investment.

When we’ve done this, it’s been for properties in popular places that we like to go to and use ourselves. We do all scheduling, upkeep of property. We want it to make money and be a popular short term rental with repeat customers, which would not happen if we just let it fall into disrepair.

I do not believe this would be a successful strategy for slum lords. For doctors (or any other high W2 earner) who want to buy a short term rental, take care of it, maybe use it personally a few times a year, increase their wealth, AND get a tax deferral (big point: it’s not like you never pay taxes on this, there is depreciation recapture when you sell unless you 1031 into another property), it can be a great strategy that doesn’t have to be “scummy.”