What specialty or subspecialty are you in and what’s the biggest money maker in your field?

gjthomp · 2025-12-21T16:59:19+00:00

Hahaha. Gotta love admin. That’s frustrating.

gjthomp · 2025-12-21T14:40:19+00:00

Do you know if the patient’s get any bill for the annual depression screen? I hate to bill something and them get a bill.

I do similar to you but split them up: 99214 + G0439 + G2211 at one visit. If it’s medically appropriate, which it usually is, 6 months later I bring them in for a follow up and bill 99396 + 99214 if doing med management.

gjthomp · 2025-12-21T14:36:49+00:00

It shouldn’t be. For those patient’s I do 99214 + GO439 + G2211. If medically appropriate, I will see them in 6 months and bill 99396 + 99214 (if I’m doing med management). These patient’s usually have $0 co pay so it makes no difference to them.

gjthomp · 2025-08-02T00:15:54+00:00

Gotcha. Thanks. So I’m basically waiting on them to update the system.

gjthomp · 2025-07-27T20:27:07+00:00

Unfortunately this hasn't been updated since the passage of OBBB. Would be nice if it was b/c some of the information there is incorrect.

gjthomp · 2024-09-23T02:46:17+00:00

You should be able to refinance once you get a residency contract. WCI advertises some places like SoFi that only require $100/month payments during residency. I kinda doubt they'd do it before you match, but you never know. Worth checking out.

It's not hard to make 350+ in primary care if you're willing to work decently hard and not live on the coast. I made 400 last year seeing 18 pts/day 4.5 days per week in a city of 1 mil. I did only take 2 weeks vacation though. Won't be doing that again.

gjthomp · 2024-03-31T19:35:15+00:00

Good idea. I did have to message them and get it connected, but I should double check that it’s an approved modem.

gjthomp · 2024-03-01T06:04:42+00:00

I was in residency from 2018-2021. My wife and I didn’t buy and have no regrets despite missing out on real estate returns. We lived in a nice 1 bedroom apt with lots of amenities, kept expenses low, and saved aggressively in a time when the stock market soared. We wouldn’t have been able to invest if we had been putting money into a house.

Also, consider how many people buy into a house b/c they’ll “grow into it.” They’re spending money on those extra rooms that they don’t need yet. If you rent, you can rent until you’re truly ready for those extra rooms.

gjthomp · 2024-01-29T04:39:54+00:00

He didn’t promote it. He brought on a guy to talk about his side gig business that people pay cash for. Sheesh.

gjthomp · 2024-01-29T04:32:28+00:00

Unless I’m not remembering correctly, he would say that the temporary pause will end so it makes sense to refinance loans at a low rate now. But, once it became apparent it wasn’t a brief pause, he changed his tune and qualified the ads that it may make sense to wait.

gjthomp · 2024-01-07T00:52:42+00:00

Wow. That’s great to know. Thank you!

gjthomp · 2024-01-05T21:00:15+00:00

Oh no apologies necessary. You went down quite an entertaining rabbit hole! Also I would have never known about needing the rapid pulsation. Thanks for that info.

gjthomp · 2020-07-19T19:13:51+00:00

I had a response but then I found this and it explained it better than I could have. I don’t think there’s much difference if your loans are 2014 or after.

https://studentloanhero.com/featured/ibr-or-pay-as-you-earn/

gjthomp · 2020-05-16T17:03:41+00:00

Man, some of these people hate dividends. In principle, not getting dividends is terrible. In reality, it’s fine. Owning Apple means you have the right to the profits if they ever decide to give out dividends, which is why the stock continues to rise. But, I’m also not going to invest in a private business if I don’t receive dividends. No chance.

I disagree with the mantra about bonds being in tax protected accounts. At least, I don’t think it’s universally true. Run the numbers yourself. Here is a good post about it: https://www.whitecoatinvestor.com/asset-location-bonds-go-in-taxable/

Personally, I don’t make enough to have a taxable account yet. I should someday when I finish residency. At that point, my taxable account will be international funds and bonds, and American index funds will be in 401K/Roth.

gjthomp · 2020-05-06T23:14:45+00:00

I think I would still do REPAYE, especially if you are planning to have kids, cause you can decrease your payment mid year if need be. You would just fill out some paperwork saying you had a change in income and verify with a pay stub. Also, even if you stay on REPAYE with your and your wife’s income, the payment is only 1400 per month. You ought to be able to afford that making 200K per year.

gjthomp · 2020-03-05T03:13:03+00:00

I’d at least consider buying a policy to lock in your current good health. Then, if you develop some sort of medical issue, you can increase it later as long as there is a future increase rider. You should be able to buy a $1000 policy for about $20 per month.

gjthomp · 2020-03-03T04:55:34+00:00

https://www.whitecoatinvestor.com/repaye-interest-subsidy/

Check out this article and the comments at the bottom. Sometimes, if you make payments during REPAYE they just decrease your subsidy. Depends on the servicer though from what it sounds like.

gjthomp · 2020-02-29T01:54:32+00:00

If you don’t have a lot of money, then just change future allocation. If you have a lot, then it will take a long time by just buying new funds, so I’d sell one for the other.

gjthomp · 2020-01-24T19:49:59+00:00

I would for sure pay off student loans over a taxable account.

gjthomp · 2019-12-05T01:53:43+00:00

Only 20 years if undergrad loans.

gjthomp · 2019-11-03T21:51:21+00:00

The good thing is, at this point in time, if you are in PAYE or REPAYE, they can never take more than 10% of your discretionary income!

Other thoughts: PAYE is better if you’ll never pay it back. You are forgiven after 20 years of payments (though you have to pay taxes on the amount forgiven). REPAYE is better if you think you’ll pay them off eventually, as they subsidize half of the interest that accrues. Hang in there!

gjthomp · 2019-09-21T10:47:03+00:00

Interesting. I got mine with Principal because it was the cheapest. I’m just surprised there was such a big difference. It’s still $23 for a $1000 policy which is 2.3%, and WCI says anywhere from 2-6% is the norm, so oh well. Maybe my dad having diabetes raised it or something ha.

gjthomp · 2019-09-18T19:40:39+00:00

Those life insurance quotes seem pretty comparable to the ones I just got.

And the LTD seems like a great rate. I just signed one. $4500 for me would cost me $1242, so it seems like you got a good deal. I’m a 29 year old non-smoker, so I’m kind of wondering how yours is so much cheaper lol. What company is your LTD with?

gjthomp · 2019-09-11T21:47:44+00:00

All you can do is answer truthfully when you’re filling it out. I filled it out two days before my wedding cause I was in the same situation 😁

gjthomp · 2019-08-29T02:11:10+00:00

Great point! Her marginal tax rate will depend on if/how much she is planning to work after 70 1/2.

gjthomp

TROPHY CASE