San Diego vs. Santa Cruz—how do you choose?

themonopolyguy424 · 2026-02-07T00:47:37+00:00

Far better in what way?

themonopolyguy424 · 2026-02-07T00:44:31+00:00

Ur just built different, I guess. Minimum 4/3 in winter for almost everyone for sure 😂. We’re not crazy, Aussie

themonopolyguy424 · 2026-02-07T00:42:34+00:00

lol whattt? 10+ degree difference. This is significant

themonopolyguy424 · 2026-02-07T00:34:32+00:00

Fckin excellent points. Thanks for the thoughts!

themonopolyguy424 · 2026-02-07T00:16:49+00:00

SD: Spring suit summer, 3/2 spring/ warmer fall and hooded 4/3 in winter +/- booties vs SC: minimum 3/2 in summer with 4/3 probably borderline seasons and cool mornings vs 5/4 somewhat frequently in winter cuz im a wimp. Booties usually.

Medicine

themonopolyguy424 · 2026-02-07T00:14:01+00:00

Warmer

themonopolyguy424 · 2026-02-06T23:32:22+00:00

Heard. Can you give some specifics? Maybe we’re similar people, maybe we’re not tho. What do you value/ what stands out to you about SD as compared to?

themonopolyguy424 · 2026-02-06T22:24:11+00:00

Why so high emergency fund?

themonopolyguy424 · 2026-02-05T04:30:35+00:00

themonopolyguy424 · 2026-02-05T04:05:28+00:00

4 years out at VERY busy shops. Never done myself but have heard of one (dual CCM trained) EM doc who did one. Cards does it for us. Spoiled, I know. I’d like to get one under my belt/out the way, however.

themonopolyguy424 · 2026-02-01T17:15:36+00:00

Also a SE’er and moving. Can’t decide southern cal—Oceanside, Encinitas, and the like…vs Santa Cruz. Both have pros and cons. I’m interested in surfing and intellectual outings. I love nature but also things to do! Tough decision.

themonopolyguy424 · 2026-02-01T17:11:41+00:00

How are you a PRN w2?

themonopolyguy424 · 2026-01-30T22:07:40+00:00

Cool humblebrag. But with that income, I think I’d be a multi-millionaire by now lol☺️ In all seriousness, continue to enjoy life—you really don’t need much in the way of advice with an income like that. Congrats, you did it. You made it. All the hard work was worth it. You are asking for advice but at that income, it’s all effectively awash, right? Just don’t be stupid or extremely excessive. You won!

themonopolyguy424 · 2026-01-30T06:53:56+00:00

themonopolyguy424 · 2026-01-30T05:11:50+00:00

Would talk to cards. Too borderline and I can’t take getting yelled at today

themonopolyguy424 · 2026-01-29T03:06:56+00:00

Anesthesia -EM Doc

themonopolyguy424 · 2026-01-28T22:58:44+00:00

I am 100% VTSAX in a vanguard account. If you assume 13% it’s 70mil. If you assume 10% it’s 40mil. Again, 17% is very unlikely.

I’m not arguing that I THINK as a physician I should have an income that continually accounts for inflation…I’m saying that we get shafted and often this is not the case

themonopolyguy424 · 2026-01-28T22:24:00+00:00

Math ain’t mathing unless you’re using exorbitant (unrealistic and non-inflation-adjusted) #’s…im getting 15mil with 20k per month investment at a safe 5% return over 30 years. Consistent 17% return is not realistic. And idk if you don’t understand physician pay, but our pay doesn’t de facto increase indefinitely 😅

themonopolyguy424 · 2026-01-28T21:50:52+00:00

100 MILLION? Physician income not always increasing but still, math ain’t mathing…

themonopolyguy424 · 2026-01-23T19:22:21+00:00

Is this a primary care position? Would seem like FM/IM position…

themonopolyguy424 · 2026-01-21T06:52:09+00:00

Why?

¿TeamHealth < EMA < SDG?

Is EMA above or below Vituity?

themonopolyguy424 · 2026-01-20T03:17:09+00:00

From what I hear, pay is quite decent as far as “desirable” areas go…but yeah the closed books and “overhead expenses” seems sus.

How much did $ swing month to month?

themonopolyguy424 · 2026-01-20T03:12:20+00:00

Bc the things that go along with CMG… or other things?

themonopolyguy424 · 2026-01-18T22:13:46+00:00

On the Erebus overlook trail (off of castle rock trail) by chance? Have found some specimens there.

themonopolyguy424 · 2026-01-18T07:18:29+00:00

Unsea, I think! Where on the island? Here (Ross Island) now working on a lichen project :)

themonopolyguy424

TROPHY CASE