Imposter Syndrome and Retirement

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Imposter Syndrome and Retirement   “Face it Til You Make It” is my new favorite slogan. You all are familiar with” fake it til you make it,” as imposter syndrome is common in medicine. We have all faced high-stress situ...

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Fulfillment in Retirement

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Fulfillment in Retirement   Fulfillment in retirement is my new goal. As part of my post-honeymoon period of retirement wanderings, I had a sort-of-crisis of success. After all, my career was successful! What more does one need in life? Once [&#82...

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Grandparents Gifting Money to Grandkids

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How should Grandparents Give Money to Grandkids? How can grandparents give money to their grandkids? How nice of you to ask! Let’s start with tax-free giving and go from there! How Much Money Can a Grandparent give a Grandchild Tax-Free? […]

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How Long Does a Bear Market Last?

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How Long Does a Market Drawdown Last? We are in a bear market. How long do drawdowns last? That is, how many years might it take your portfolio to recover from the current bear market? All we have is history […]

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Synchronicity in Retirement

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Retirement Synchronicity   Finding synchronicity in retirement is enjoyable; you might want to try it. Why do you ask? Why not increase the chance of meaningful coincidences? After all, some of the best moments in life are unplanned and unscripted...

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Are Target Date Funds Useful In Retirement?

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Are Target Date Funds Useful In Retirement?   Let’s discuss reasons not to use target-date funds during the retirement drawdown phase. A fund-of-funds (like a target-date fund) is simple, efficient, and easy during accumulation. Remember, th...

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Family Vision Statement

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Family Vision Statement     I think having shared family values is important in a growing family. Is a Family Vision Statement the way to go? Or should it be a Family Mission Statement? What is the difference?     […]

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IRMAA 2023 Brackets: Avoid the Cliff

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IRMAA 2023 Brackets IRMAA stands for Income-Related Monthly Adjustment Amount. What a mouthful-She is a modest penalty for a high-income retiree to swallow. What you do now affects your IRMAA Brackets two years from now! Two aspects make IRMAAs particu...

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Long-Term Capital Gains Stack on Top of Ordinary Income Tax

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Does Standard Deduction Apply to Capital Gains? There is a separate (and some would say mystical) taxation system for long-term capital gains and qualified dividends. Let’s talk about Long-Term Capital Gains Tax and how the standard deduction app...

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The answer to a happy retirement is in the “unknown”

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Retirement and the Johari Window The Johari Window is a novel through which to view retirement. In a simple 2×2 grid, you can better understand the challenges you’d like to take on in this phase of life. In management, the […]

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Transmogrify Your Investment Portfolio

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A Preposterous Metamorphosis of your Portfolio   Transmogrify your portfolio. If you are considering retirement in the next few years, it is time to prepare your portfolio. While “Portfolio Makeovers” are popular, a superficial change ...

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Burnout, Meditation, and Turning the Mind into an Ally

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Burnout, Meditation, and Turning the Mind into an Ally     I’m not much into meditation. Despite the data, it just doesn’t seem to fit logically into a physician’s life. However, chronic burnout does not leave much room (...

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How to Discuss an Argument with your Physician Partners

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How to Discuss an Argument with your Physician Partners     Arguments happen, especially in physician practice. Once it happens, how should you discuss an argument you’ve had with your physician partners? Since you are not married, thou...

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Quiet Quitting in Medicine

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Quiet Quitting in Medicine     Quiet quitting in medicine is topical given epidemic levels of burnout in physicians. While burnout is increasingly discussed, quiet quitting in medicine offers a new spin. Though perhaps a paradox or a contradi...

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Non-Deductible IRAs – A Comprehensive Guide

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Non-Deductible IRA vs. Brokerage Account Which is better: investing in a non-deductible IRA or a Brokerage account? Well, after-tax contributions to a traditional IRA are a common problem. These results in basis in your IRA. That is, you have money [&#...

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Retirement Spending Smile vs. Lumpy Retirement Expenses

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Retirement Spending Smile or Lumpy Expenses? The Retirement Spending Smile is one way to consider expenses in retirement. After years of setting money aside for the future, the future is now! If you have saved enough to retire, you need […]

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The Riskiest Word in Investing: Hedge

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Never Hedge Your Retirement Portfolio   Never hedge your retirement portfolio! This is one risk you must control without a hedge. Why is “hedge” the riskiest word in investing? Because it shows that you don’t understand risk. ...

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Sequence of Inflation Risk

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Sequence of Inflation Risk Sequence of inflation risk may be a new phrase for you, but we all know that inflation significantly affects those in retirement. Well, we forgot about inflation over the last several decades. But, now that inflation […]

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Tax Planning Window in Retirement

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Tax Strategies for Retirement – The Tax Planning Window What are the best tax strategies for retirement? First, we will discuss the tax planning window, and the optimal time to do tax management strategies in retirement. Next, not infrequently, t...

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ACA Tax Credits or Roth Conversions?

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Choosing between Premium ACA Tax Credits and Roth Conversions Health care is perhaps the most challenging decision in early retirement. Health care insurance is expensive, yet, the risk of inadequate coverage is potentially devastating. For an early re...

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