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Welcome to The White Coat Investor website! We have a lot of fun here while we help each other to avoid doing dumb things with our money. All the information on the site is 100% free to you. There is a ton of information here, and I understand it can be overwhelming to THE DISABILITY INSURANCE PROCESS The purpose of the COLA rider is to help benefits keep pace with inflation in the event of a disability lasting longer than 12 months. Increases start to accrue after the insured is disabled for 12 months. The options are 3% simple, 3% compounded, 0 to 150 PORTFOLIOS BETTER THAN YOURS For a cost of just 14 basis points, the 2030 Fund uses the same 4 funds that the Life Strategy funds use (in a 69/31 allocation) but gradually makes the asset allocation less aggressive as the years go by. The portfolios range from 90/10 (2045 and higher) to 30/70 (Income). 2020 and newer add a short-term TIPS fund to the mix. DON'T GIVE UP ON YOUR SMALL-CAP VALUE STRATEGY In my case, my US stock portfolio looks like this: 25% Total Stock Market Index Fund. 15% Small Cap Value Index Fund. Yes, I know those two numbers don't add up to 100%, but that's because my portfolio also has 20% international stocks (split 15% large, 5% small), 20% real estate, and 20% bonds. That's actually a pretty decent tilt. TOP 12 REASONS TO BUY DISABILITY INSURANCE AS A RESIDENT Might Be Considered a Cheaper Specialty. Access to Unique Products. Portability Matters More. Locks in Insurability. Student Loans May Not Go Away. Lots of residents wonder if they should buy disability insurance. The short answer is almost always yes. The long answer is a bit more complicated. MY JOURNEY OPENING A KETAMINE CLINICTHE SECOND MILLION
[Update April 2019: This post was originally written in 2015 while my wife and I were working on our second million. As discussed in a post later that year, our second million is now well in the rear view mirror and at some point in 2017 or 2018, we became financially independent.In some ways I miss the hard work, discipline, and concentration it took to hit a net worth of $100K. SCHEDULE L (BALANCE SHEETS PER BOOKS) FOR FORM 1120-S Schedule L (Balance Sheets per Books) for Form 1120-S. Last year I wrote a post about the S Corp tax return, aka IRS Form 1120-S. Near the end of the post, I briefly mentioned Schedule L, the balance sheet. Here's an excerpt from that section. One of my big beefs with Form 1120-S is that the instructions for Schedule L are very skimpy. HOW TO MAKE A PORTFOLIO REBALANCING SPREADSHEET In order to get this, you'll need some totals. So let's work on that bottom row for a minute. Write “total” in column one, then in column two, add up the entire column. In spreadsheet speak, that looks like this: =sum (B2:B6) where it adds up all of cells B2, B3, B4, B5, and B6 and spits out the total in THE $2500 DE MINIMIS SAFE HARBOR ON You can also use this $2,500 safe harbor for repairs and maintenance expenses. In fact, you may be able to go over $2500 and still be in a safe harbor under two other scenarios: First, If the business has revenue < $10M and the property is worth less than $1M, then you can expense up to $10,000 or 2% of the value of the property, whichever is HOME | WHITE COAT INVESTORSTART HEREBLOGFORUM/SOCIALTHE BOOKSWCIPLUSRECOMMENDED
Welcome to The White Coat Investor website! We have a lot of fun here while we help each other to avoid doing dumb things with our money. All the information on the site is 100% free to you. There is a ton of information here, and I understand it can be overwhelming to THE DISABILITY INSURANCE PROCESS The purpose of the COLA rider is to help benefits keep pace with inflation in the event of a disability lasting longer than 12 months. Increases start to accrue after the insured is disabled for 12 months. The options are 3% simple, 3% compounded, 0 to 150 PORTFOLIOS BETTER THAN YOURS For a cost of just 14 basis points, the 2030 Fund uses the same 4 funds that the Life Strategy funds use (in a 69/31 allocation) but gradually makes the asset allocation less aggressive as the years go by. The portfolios range from 90/10 (2045 and higher) to 30/70 (Income). 2020 and newer add a short-term TIPS fund to the mix. DON'T GIVE UP ON YOUR SMALL-CAP VALUE STRATEGY In my case, my US stock portfolio looks like this: 25% Total Stock Market Index Fund. 15% Small Cap Value Index Fund. Yes, I know those two numbers don't add up to 100%, but that's because my portfolio also has 20% international stocks (split 15% large, 5% small), 20% real estate, and 20% bonds. That's actually a pretty decent tilt. TOP 12 REASONS TO BUY DISABILITY INSURANCE AS A RESIDENT Might Be Considered a Cheaper Specialty. Access to Unique Products. Portability Matters More. Locks in Insurability. Student Loans May Not Go Away. Lots of residents wonder if they should buy disability insurance. The short answer is almost always yes. The long answer is a bit more complicated. MY JOURNEY OPENING A KETAMINE CLINICTHE SECOND MILLION
[Update April 2019: This post was originally written in 2015 while my wife and I were working on our second million. As discussed in a post later that year, our second million is now well in the rear view mirror and at some point in 2017 or 2018, we became financially independent.In some ways I miss the hard work, discipline, and concentration it took to hit a net worth of $100K. SCHEDULE L (BALANCE SHEETS PER BOOKS) FOR FORM 1120-S Schedule L (Balance Sheets per Books) for Form 1120-S. Last year I wrote a post about the S Corp tax return, aka IRS Form 1120-S. Near the end of the post, I briefly mentioned Schedule L, the balance sheet. Here's an excerpt from that section. One of my big beefs with Form 1120-S is that the instructions for Schedule L are very skimpy. HOW TO MAKE A PORTFOLIO REBALANCING SPREADSHEET In order to get this, you'll need some totals. So let's work on that bottom row for a minute. Write “total” in column one, then in column two, add up the entire column. In spreadsheet speak, that looks like this: =sum (B2:B6) where it adds up all of cells B2, B3, B4, B5, and B6 and spits out the total in THE $2500 DE MINIMIS SAFE HARBOR ON You can also use this $2,500 safe harbor for repairs and maintenance expenses. In fact, you may be able to go over $2500 and still be in a safe harbor under two other scenarios: First, If the business has revenue < $10M and the property is worth less than $1M, then you can expense up to $10,000 or 2% of the value of the property, whichever is DON'T GIVE UP ON YOUR SMALL-CAP VALUE STRATEGY In my case, my US stock portfolio looks like this: 25% Total Stock Market Index Fund. 15% Small Cap Value Index Fund. Yes, I know those two numbers don't add up to 100%, but that's because my portfolio also has 20% international stocks (split 15% large, 5% small), 20% real estate, and 20% bonds. That's actually a pretty decent tilt. WILL STUDENT LOANS BE FORGIVEN? 16 hours ago · Laurel Road is committed to serving the financial needs of doctors. You take care of us. It’s time someone took care of you. With the new Laurel Road High Yield Savings℠ account, you can earn 10x the national average. SHOP PRODUCTS & MERCHANDISE Find the latest WCI products including books, shirts, stickers and more. With The White Coat Investor, you can increase your financial literacy and stop doing dumb things with your money. BEST RETIREMENT ACCOUNTS FOR INDEPENDENT CONTRACTORS The mainstay of retirement saving for the self-employed should be an individual 401 (k), sometimes called a solo 401 (k). These plans allow you to make a $19,500 “employee” contribution ($26,000 if older than age 50) and then make “employer” contributions of 20 percent of your net income up to the plan contribution limit of $57,000 MY JOURNEY OPENING A KETAMINE CLINIC SHOULD I FILE TAXES SEPARATELY FOR STUDENT LOANS? Total monthly payment $169 + $710 = $879. Filing taxes MFS reduces their overall monthly payment by $331 per month compared to MFJ. This is an annual savings of $3,972. Keep in mind, annual taxes paid would increase by approximately $1,000 ($83 per month) for the year byfiling MFS.
FORUM - THE WHITE COAT INVESTOR FORUM - INVESTING IRAs, Roth IRAs, Backdoor Roth IRAs, 401(k)s, 403(b)s, 457(b)s, Profit-sharing Plans, Defined Benefit Plans, Individual 401(k)s, SIMPLE IRAs, SEP-IRAs, Health Savings Accounts etc. THE DAVE RAMSEY ASSET ALLOCATION Dave Ramsey has the third most popular radio show in the country and the largest one with a financial focus. It is also far from the worst financial shows out there which tend to be thinly-disguised infomercials put on by insurance agents and loaded mutual fundsalesmen.
EXCEL XIRR- HOW TO CALCULATE YOUR RETURN It looks like this: =DATE (2004,8,16) where 2004 is the year, 8 is the month, and 16 is the date. Now, in another cell, put in the XIRR function. It looks like this: =XIRR (A1:A10, B1:B10, 5%) where your cash flows are in cells A1 to A10, your date functions are 8 FINANCIAL TIPS FOR MEDICAL STUDENTS Begin your financial education. I advise residents and attendings to read one good financial book a year. You might as well get started as a student. While I wouldn’t recommend you worry much about investing until you get out of medical school, learning about insurance and budgeting could yield some hefty dividends. HOME | WHITE COAT INVESTORSTART HEREBLOGFORUM/SOCIALTHE BOOKSWCIPLUSRECOMMENDED
Welcome to The White Coat Investor website! We have a lot of fun here while we help each other to avoid doing dumb things with our money. All the information on the site is 100% free to you. There is a ton of information here, and I understand it can be overwhelming to THE DISABILITY INSURANCE PROCESS The purpose of the COLA rider is to help benefits keep pace with inflation in the event of a disability lasting longer than 12 months. Increases start to accrue after the insured is disabled for 12 months. The options are 3% simple, 3% compounded, 0 to 150 PORTFOLIOS BETTER THAN YOURS For a cost of just 14 basis points, the 2030 Fund uses the same 4 funds that the Life Strategy funds use (in a 69/31 allocation) but gradually makes the asset allocation less aggressive as the years go by. The portfolios range from 90/10 (2045 and higher) to 30/70 (Income). 2020 and newer add a short-term TIPS fund to the mix. DON'T GIVE UP ON YOUR SMALL-CAP VALUE STRATEGY In my case, my US stock portfolio looks like this: 25% Total Stock Market Index Fund. 15% Small Cap Value Index Fund. Yes, I know those two numbers don't add up to 100%, but that's because my portfolio also has 20% international stocks (split 15% large, 5% small), 20% real estate, and 20% bonds. That's actually a pretty decent tilt. TOP 12 REASONS TO BUY DISABILITY INSURANCE AS A RESIDENT Might Be Considered a Cheaper Specialty. Access to Unique Products. Portability Matters More. Locks in Insurability. Student Loans May Not Go Away. Lots of residents wonder if they should buy disability insurance. The short answer is almost always yes. The long answer is a bit more complicated. MY JOURNEY OPENING A KETAMINE CLINICTHE SECOND MILLION
[Update April 2019: This post was originally written in 2015 while my wife and I were working on our second million. As discussed in a post later that year, our second million is now well in the rear view mirror and at some point in 2017 or 2018, we became financially independent.In some ways I miss the hard work, discipline, and concentration it took to hit a net worth of $100K. SCHEDULE L (BALANCE SHEETS PER BOOKS) FOR FORM 1120-S Schedule L (Balance Sheets per Books) for Form 1120-S. Last year I wrote a post about the S Corp tax return, aka IRS Form 1120-S. Near the end of the post, I briefly mentioned Schedule L, the balance sheet. Here's an excerpt from that section. One of my big beefs with Form 1120-S is that the instructions for Schedule L are very skimpy. HOW TO MAKE A PORTFOLIO REBALANCING SPREADSHEET In order to get this, you'll need some totals. So let's work on that bottom row for a minute. Write “total” in column one, then in column two, add up the entire column. In spreadsheet speak, that looks like this: =sum (B2:B6) where it adds up all of cells B2, B3, B4, B5, and B6 and spits out the total in THE $2500 DE MINIMIS SAFE HARBOR ON You can also use this $2,500 safe harbor for repairs and maintenance expenses. In fact, you may be able to go over $2500 and still be in a safe harbor under two other scenarios: First, If the business has revenue < $10M and the property is worth less than $1M, then you can expense up to $10,000 or 2% of the value of the property, whichever is HOME | WHITE COAT INVESTORSTART HEREBLOGFORUM/SOCIALTHE BOOKSWCIPLUSRECOMMENDED
Welcome to The White Coat Investor website! We have a lot of fun here while we help each other to avoid doing dumb things with our money. All the information on the site is 100% free to you. There is a ton of information here, and I understand it can be overwhelming to THE DISABILITY INSURANCE PROCESS The purpose of the COLA rider is to help benefits keep pace with inflation in the event of a disability lasting longer than 12 months. Increases start to accrue after the insured is disabled for 12 months. The options are 3% simple, 3% compounded, 0 to 150 PORTFOLIOS BETTER THAN YOURS For a cost of just 14 basis points, the 2030 Fund uses the same 4 funds that the Life Strategy funds use (in a 69/31 allocation) but gradually makes the asset allocation less aggressive as the years go by. The portfolios range from 90/10 (2045 and higher) to 30/70 (Income). 2020 and newer add a short-term TIPS fund to the mix. DON'T GIVE UP ON YOUR SMALL-CAP VALUE STRATEGY In my case, my US stock portfolio looks like this: 25% Total Stock Market Index Fund. 15% Small Cap Value Index Fund. Yes, I know those two numbers don't add up to 100%, but that's because my portfolio also has 20% international stocks (split 15% large, 5% small), 20% real estate, and 20% bonds. That's actually a pretty decent tilt. TOP 12 REASONS TO BUY DISABILITY INSURANCE AS A RESIDENT Might Be Considered a Cheaper Specialty. Access to Unique Products. Portability Matters More. Locks in Insurability. Student Loans May Not Go Away. Lots of residents wonder if they should buy disability insurance. The short answer is almost always yes. The long answer is a bit more complicated. MY JOURNEY OPENING A KETAMINE CLINICTHE SECOND MILLION
[Update April 2019: This post was originally written in 2015 while my wife and I were working on our second million. As discussed in a post later that year, our second million is now well in the rear view mirror and at some point in 2017 or 2018, we became financially independent.In some ways I miss the hard work, discipline, and concentration it took to hit a net worth of $100K. SCHEDULE L (BALANCE SHEETS PER BOOKS) FOR FORM 1120-S Schedule L (Balance Sheets per Books) for Form 1120-S. Last year I wrote a post about the S Corp tax return, aka IRS Form 1120-S. Near the end of the post, I briefly mentioned Schedule L, the balance sheet. Here's an excerpt from that section. One of my big beefs with Form 1120-S is that the instructions for Schedule L are very skimpy. HOW TO MAKE A PORTFOLIO REBALANCING SPREADSHEET In order to get this, you'll need some totals. So let's work on that bottom row for a minute. Write “total” in column one, then in column two, add up the entire column. In spreadsheet speak, that looks like this: =sum (B2:B6) where it adds up all of cells B2, B3, B4, B5, and B6 and spits out the total in THE $2500 DE MINIMIS SAFE HARBOR ON You can also use this $2,500 safe harbor for repairs and maintenance expenses. In fact, you may be able to go over $2500 and still be in a safe harbor under two other scenarios: First, If the business has revenue < $10M and the property is worth less than $1M, then you can expense up to $10,000 or 2% of the value of the property, whichever is DON'T GIVE UP ON YOUR SMALL-CAP VALUE STRATEGY In my case, my US stock portfolio looks like this: 25% Total Stock Market Index Fund. 15% Small Cap Value Index Fund. Yes, I know those two numbers don't add up to 100%, but that's because my portfolio also has 20% international stocks (split 15% large, 5% small), 20% real estate, and 20% bonds. That's actually a pretty decent tilt. WILL STUDENT LOANS BE FORGIVEN? 11 hours ago · Laurel Road is committed to serving the financial needs of doctors. You take care of us. It’s time someone took care of you. With the new Laurel Road High Yield Savings℠ account, you can earn 10x the national average. SHOP PRODUCTS & MERCHANDISE Find the latest WCI products including books, shirts, stickers and more. With The White Coat Investor, you can increase your financial literacy and stop doing dumb things with your money. BEST RETIREMENT ACCOUNTS FOR INDEPENDENT CONTRACTORS The mainstay of retirement saving for the self-employed should be an individual 401 (k), sometimes called a solo 401 (k). These plans allow you to make a $19,500 “employee” contribution ($26,000 if older than age 50) and then make “employer” contributions of 20 percent of your net income up to the plan contribution limit of $57,000 MY JOURNEY OPENING A KETAMINE CLINIC SHOULD I FILE TAXES SEPARATELY FOR STUDENT LOANS? Total monthly payment $169 + $710 = $879. Filing taxes MFS reduces their overall monthly payment by $331 per month compared to MFJ. This is an annual savings of $3,972. Keep in mind, annual taxes paid would increase by approximately $1,000 ($83 per month) for the year byfiling MFS.
FORUM - THE WHITE COAT INVESTOR FORUM - INVESTING IRAs, Roth IRAs, Backdoor Roth IRAs, 401(k)s, 403(b)s, 457(b)s, Profit-sharing Plans, Defined Benefit Plans, Individual 401(k)s, SIMPLE IRAs, SEP-IRAs, Health Savings Accounts etc. THE DAVE RAMSEY ASSET ALLOCATION Dave Ramsey has the third most popular radio show in the country and the largest one with a financial focus. It is also far from the worst financial shows out there which tend to be thinly-disguised infomercials put on by insurance agents and loaded mutual fundsalesmen.
EXCEL XIRR- HOW TO CALCULATE YOUR RETURN It looks like this: =DATE (2004,8,16) where 2004 is the year, 8 is the month, and 16 is the date. Now, in another cell, put in the XIRR function. It looks like this: =XIRR (A1:A10, B1:B10, 5%) where your cash flows are in cells A1 to A10, your date functions are 8 FINANCIAL TIPS FOR MEDICAL STUDENTS Begin your financial education. I advise residents and attendings to read one good financial book a year. You might as well get started as a student. While I wouldn’t recommend you worry much about investing until you get out of medical school, learning about insurance and budgeting could yield some hefty dividends. HOME | WHITE COAT INVESTORSTART HEREBLOGFORUM/SOCIALTHE BOOKSWCIPLUSRECOMMENDED
Welcome to The White Coat Investor website! We have a lot of fun here while we help each other to avoid doing dumb things with our money. All the information on the site is 100% free to you. There is a ton of information here, and I understand it can be overwhelming to THE WCI MEDICAL SCHOOL SCHOLARSHIP 2021 The White Coat Investor Scholarship is a way for the entire WCI Community to “pay it forward.”. This community includes blog readers, podcast listeners, Facebook Group and WCI Forum members, WCI Redditors, sponsors, staff, and owners. The Scholarship has no endowment fund so the scholarship money is raised anew every year. 150 PORTFOLIOS BETTER THAN YOURS For a cost of just 14 basis points, the 2030 Fund uses the same 4 funds that the Life Strategy funds use (in a 69/31 allocation) but gradually makes the asset allocation less aggressive as the years go by. The portfolios range from 90/10 (2045 and higher) to 30/70 (Income). 2020 and newer add a short-term TIPS fund to the mix. THE 60 DAY QUALIFIED DIVIDEND RULE The idea behind qualifying some dividends and not others is to encourage long-term investment. So one of the qualified dividend rules is that you must hold the investment for at least 60 days around the ex-div date (i.e. when the dividend is paid). So perhaps 45 days before the ex-div and 15 days after. Or 10 days before and 50 daysafter.
9 WAYS TO INCREASE YOUR INVESTING RETURN For example, let's assume you improve your investment return from 5% real (after-inflation) to 7% real. Assuming you're saving $50K a year over 30 years, that means you end up with 45% more money—$5.1M versus $3.5M. Or, alternatively, you could end up with the same money, but retire 4 1/2 years earlier. Or, you could save 32% less ($34,000 a THE DAVE RAMSEY ASSET ALLOCATION Due to his reach, a lot of people have heard of his recommended asset allocation. Unfortunately, this asset allocation, while it sounds very specific, is actually incredibly vague. It usually goes something like this: 25% Growth and Income. 25% RISK LESS AND PROSPER Risk Less And Prosper — A Review. A reader recommended I read and review a book by Zvi Bodie a few months ago and I recently had the opportunity to read Risk Less and Prosper – Your Guide To Safer Investing, a book he co-wrote with Rachelle Taqqu. Zvi is an academic who in recent years has been writing more and more on the topic of HOW TO MAKE A PORTFOLIO REBALANCING SPREADSHEET In order to get this, you'll need some totals. So let's work on that bottom row for a minute. Write “total” in column one, then in column two, add up the entire column. In spreadsheet speak, that looks like this: =sum (B2:B6) where it adds up all of cells B2, B3, B4, B5, and B6 and spits out the total in RESTRICTED PROPERTY TRUST -- A PRO/CON The only question left is whether $3.75 million of life insurance coverage is enough to support the desired $100,000 contribution. Given the fact pattern, a $100,000 contribution would require a $3,305,581 initial death benefit. For the Restricted Property Trust to work the company is required to make the contribution. TOP 16 ASSET PROTECTION MOVES FOR DOCTORS In some states, 401 (k)s receive significantly more protection than IRAs do. This protection allows for a fair number of asset protection techniques. The first is simply to max out your retirement accounts before investing in a taxable account. The second is, HOME | WHITE COAT INVESTORSTART HEREBLOGFORUM/SOCIALTHE BOOKSWCIPLUSRECOMMENDED
Welcome to The White Coat Investor website! We have a lot of fun here while we help each other to avoid doing dumb things with our money. All the information on the site is 100% free to you. There is a ton of information here, and I understand it can be overwhelming to THE WCI MEDICAL SCHOOL SCHOLARSHIP 2021 The White Coat Investor Scholarship is a way for the entire WCI Community to “pay it forward.”. This community includes blog readers, podcast listeners, Facebook Group and WCI Forum members, WCI Redditors, sponsors, staff, and owners. The Scholarship has no endowment fund so the scholarship money is raised anew every year. 150 PORTFOLIOS BETTER THAN YOURS For a cost of just 14 basis points, the 2030 Fund uses the same 4 funds that the Life Strategy funds use (in a 69/31 allocation) but gradually makes the asset allocation less aggressive as the years go by. The portfolios range from 90/10 (2045 and higher) to 30/70 (Income). 2020 and newer add a short-term TIPS fund to the mix. THE 60 DAY QUALIFIED DIVIDEND RULE The idea behind qualifying some dividends and not others is to encourage long-term investment. So one of the qualified dividend rules is that you must hold the investment for at least 60 days around the ex-div date (i.e. when the dividend is paid). So perhaps 45 days before the ex-div and 15 days after. Or 10 days before and 50 daysafter.
9 WAYS TO INCREASE YOUR INVESTING RETURN For example, let's assume you improve your investment return from 5% real (after-inflation) to 7% real. Assuming you're saving $50K a year over 30 years, that means you end up with 45% more money—$5.1M versus $3.5M. Or, alternatively, you could end up with the same money, but retire 4 1/2 years earlier. Or, you could save 32% less ($34,000 a THE DAVE RAMSEY ASSET ALLOCATION Due to his reach, a lot of people have heard of his recommended asset allocation. Unfortunately, this asset allocation, while it sounds very specific, is actually incredibly vague. It usually goes something like this: 25% Growth and Income. 25% RISK LESS AND PROSPER Risk Less And Prosper — A Review. A reader recommended I read and review a book by Zvi Bodie a few months ago and I recently had the opportunity to read Risk Less and Prosper – Your Guide To Safer Investing, a book he co-wrote with Rachelle Taqqu. Zvi is an academic who in recent years has been writing more and more on the topic of HOW TO MAKE A PORTFOLIO REBALANCING SPREADSHEET In order to get this, you'll need some totals. So let's work on that bottom row for a minute. Write “total” in column one, then in column two, add up the entire column. In spreadsheet speak, that looks like this: =sum (B2:B6) where it adds up all of cells B2, B3, B4, B5, and B6 and spits out the total in RESTRICTED PROPERTY TRUST -- A PRO/CON The only question left is whether $3.75 million of life insurance coverage is enough to support the desired $100,000 contribution. Given the fact pattern, a $100,000 contribution would require a $3,305,581 initial death benefit. For the Restricted Property Trust to work the company is required to make the contribution. TOP 16 ASSET PROTECTION MOVES FOR DOCTORS In some states, 401 (k)s receive significantly more protection than IRAs do. This protection allows for a fair number of asset protection techniques. The first is simply to max out your retirement accounts before investing in a taxable account. The second is,HOME - CLASSIC BLOG
How to Be a Coffeehouse Investor with Bill Schultheis – Podcast #212. May 27, 2021 MST. The Coffeehouse Investor philosophy is essentially simplifying your investment portfolio for better returns so you can focus on living. We discuss elder care financial planning, crypto, factor investing, advisors, mistakes, and lots more.TAX STRATEGISTS
At Cerebral Tax Advisors, we are focused on minimizing your tax obligations and helping you build financial independence.As the spouse of a physician, our founder and lead tax strategist, Alexis Gallati, purposely keeps our client list small to provide an excellent client experience through proactive year-round monitoring while avoidingsurprises.
MY INDEX FUND PERFORMANCE REPORT Vanguard Total Stock Market Fund. This is a major holding in my retirement portfolio, at about 25% of the portfolio. It also rears its ugly head in my HSA and my kids' UTMAs. According to Vanguard, its time-weighted performance in 2019 was 30.65%. Unfortunately, I CONTRACT REVIEW AND NEGOTIATION Too many physicians end up with poor contracts and when the job doesn't work out, they end up saddled with heavy costs, burdensome non-compete agreements, and unfair treatment. Spending a few hundred bucks up front to get the contract reviewed is well worth it. INTRODUCTION TO ASSET PROTECTION Introduction to Asset Protection. Asset protection is the process by which you protect the financial assets you have worked so hard for from being taken away from you by creditors of various types. This may be someone suing you, someone to whom you owe money for whatever reason, or even from being lost in divorce or other personal andfinancial
FORUMS - THE WHITE COAT INVESTOR FORUM - INVESTING IRAs, Roth IRAs, Backdoor Roth IRAs, 401(k)s, 403(b)s, 457(b)s, Profit-sharing Plans, Defined Benefit Plans, Individual 401(k)s, SIMPLE IRAs, SEP-IRAs, Health Savings Accounts etc. FINANCIAL WATERFALLS FOR NEW RESIDENTS AND ATTENDINGS The next step is an emergency fund, but this should be a resident sized emergency fund. It is likely a four-figure amount. This is enough money to replace a washing machine, fly to a funeral, and maybe even buy a beater without taking on new debt. Traditionally, an emergency fund is 3-6 months of expenses. Dave Ramsey recommendsagainst a 3-6
REQUIRED MINIMUM DISTRIBUTION Required Minimum Distribution Age. Starting at age 72, you have to start taking money out of your tax-deferred accounts like 401 (k)s and IRAs. Technically, RMDs also apply to inherited IRAs prior to age 72. They also apply to Roth 401 (k)s, but since they do not apply to Roth IRAs, the easy solution there is to roll the Roth 401 (k) over to a THE $2500 DE MINIMIS SAFE HARBOR ON There is also a safe harbor for business expenses. Prior to 2016, it was $500, but since then it is $2500. That means you no longer have to “capitalize and depreciate” anything you buy for your business (computer, furniture, etc.) over time, so long as each individual item costs less than $2,500. VARIABLE UNIVERSAL LIFE INSURANCE AS A RETIREMENT ACCOUNT Variable universal life insurance policies (VUL) are complex financial instruments. The very wealthy may get substantial tax benefits from using one, but most doctors probably won't. Since it requires a life-long commitment, think very carefully before buying one.*
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THE WHITE COAT INVESTOR Helping Those Who Wear the White Coat Get a “Fair Shake” on WallStreet
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Get Disability Insurance Today! Financial Freedom Through Real Estate WELCOME NEW READERS! Welcome to The White Coat Investor website! We have a lot of fun here while we help each other to avoid doing dumb things with our money. All the information on the site is 100% free to you. There is a ton of information here, and I understand it can be overwhelming to the first timer, so I suggest you start here with this page.Thanks
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FEATURED POSTS
BEST FINANCIAL BOOKS FOR DOCTORS What are the most unbiased, accurate, high-yielding, current, and entertaining financial books for doctors and other high income professionals? Here you go!Read on »
FIRE YOUR FINANCIAL ADVISOR! – THE WCI ONLINE COURSE Fire Your Financial Advisor is the comprehensive but high-yield course you were not given in medical school. Go from being financially illiterate to living the good life where financial worries are eliminated and you can focus on what matters most.Read on »
ULTIMATE GUIDE TO STUDENT LOAN DEBT MANAGEMENT FOR DOCTORS Student loan management can be tricky, particularly during residency. Finally, you have all the information you need to manage them from undergraduate until pay-off in one place. We're talking private and federal loans, IDR and forgiveness programs (PSLF, REPAYE, PAYE, IBR, ICR), refinancing, and how to pay off quickly.Read on »
THE VALUE PROPOSITION OF A REAL ESTATE ACCESS FUND Discussing my favorite spot on the real estate continuum--individual real estate funds--and how they can be accessed with out the typical$100K+ investment.
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WHAT’S NEW WITH STUDENT LOAN REFINANCING COMPANIES What?! Your student loans are still in the hands of the federal government or their incompetent servicers? Get with the times and refinance. Lower rates, better service, less time in debt, and a cash bonus. What's not to like?Read on »
REAL ESTATE INVESTING COMPANY PARTNERS Real estate investments can be an attractive investment for part of your portfolio, but it can be difficult to know who you can trust. Take a careful look at these WCI partners for your real estateexposure.
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12 THINGS TO KNOW ABOUT STUDENT LOAN REFINANCING Should I refinance my student loans? The answer is a no-brainer is you're not going for PSLF. Learn how it's the easiest way to save aton of money today.
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WHAT YOU NEED TO KNOW ABOUT DISABILITY INSURANCE Disability insurance is a key type of insurance for the vast majority of physicians and other high-income professionals. Buy it right the first time and you may never have to do it again.Read on »
BEST FINANCIAL BOOKS FOR DOCTORS What are the most unbiased, accurate, high-yielding, current, and entertaining financial books for doctors and other high income professionals? Here you go!Read on »
FIRE YOUR FINANCIAL ADVISOR! – THE WCI ONLINE COURSE Fire Your Financial Advisor is the comprehensive but high-yield course you were not given in medical school. Go from being financially illiterate to living the good life where financial worries are eliminated and you can focus on what matters most.Read on »
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View all Featured Posts »WCI CLASSICS
STAY THE COURSE!
August 06, 2011 MST
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I've said "Stay the course" a thousand times, and I meant it every time. It doesn't matter if stocks are up or down, stay the course!Read on »
BACKDOOR ROTH IRA ULTIMATE GUIDE AND TUTORIAL September 18, 2018 MST2,089 Comments
This Backdoor Roth IRA tutorial takes you step by step through the contribution process including how to fill out IRS Form 8606. We'll show you how to get it done right and avoid mistakes that can cost youtime and money.
Read on »
17 WAYS TO SCREW UP A BACKDOOR ROTH IRAApril 27, 2018 MST
406 Comments
I thought the Backdoor Roth IRA was so simple nobody would screw it up. Boy was I wrong.Read on »
7 WAYS THE RICH PAY LESS IN TAXES (AND YOU CAN TOO)June 24, 2019 MST
59 Comments
Yes, the rich do take advantage of their knowledge of the tax code to pay less in taxes. But six of their seven techniques are available toeveryone.
Read on »
PENNIES AND THE BACKDOOR ROTH IRA February 10, 2017 MST239 Comments
What do you do with the pennies your money earns between contribution and conversion to a backdoor Roth IRA? Not much.Read on »
COMPARING 14 TYPES OF RETIREMENT ACCOUNTSJuly 30, 2019 MST
106 Comments
Not sure which types of retirement accounts you should use? Here's all the information together in one place so you can get a grip on yourretirement plan.
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View all Classic Posts »LATEST POSTS
DIFFERENT WAYS TO MAKE FIVE MILLION DOLLARS IN REAL ESTATEMarch 14, 2020 MST
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$1 Million just isn't enough so PIMD is figuring out how to make $5 million in real estate. Realistic? PIMD thinks so.Read on »
HOW TO TURN YOUR FINANCIAL LIFE AROUNDMarch 13, 2020 MST
8 Comments
Broke? Buried in debt? Meager retirement savings? I want to motivate you to turn it around and have an awesome financial life in less than5 years.
Read on »
SHOULD I TIME THE MARKET? – PODCAST #149March 12, 2020 MST
12 Comments
Market corrections should be expected and aren't unusual. So, should you try to time the market? No! Also talking bond tents, mega backdoor Roths, and lots more.Read on »
THE 3 GREATEST OBSTACLES FACING PRIVATE PRACTICESMarch 11, 2020 MST
6 Comments
Today's guest post author thinks there's a simple way to push back against burnout, disappearing private practices, and the rise of megainsurers.
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A TALE OF TWO BUDGETSMarch 10, 2020 MST
40 Comments
WCI found an old budget in the filing cabinet. It was good for a few laughs, but there are serious lessons there too.Read on »
S CORP TAX RETURN — IRS FORM 1120SMarch 09, 2020 MST
19 Comments
To have a better understanding of how taxes work and how to maximize deductions, take a look at IRS Form 1120-S that I completed for my SCorp this year.
Read on »
View all posts »
BUY OUR BOOK!
THE WHITE COAT INVESTOR: A DOCTOR'S GUIDE TO PERSONAL FINANCE ANDINVESTING
not only summarizes the most important information on the blog, but also contains material not found on the site at all.READ ON »
RECOMMENDED READING
SOCIAL SECURITY MADE SIMPLE: SOCIAL SECURITY RETIREMENT BENEFITS AND RELATED PLANNING TOPICS EXPLAINED IN 100 PAGE...Mike PiperBuy
THE INVESTOR'S MANIFESTO: PREPARING FOR PROSPERITY, ARMAGEDDON, AND EVERYTHING IN BETWEEN William J. BernsteinBuy SOCIAL SECURITY MADE SIMPLE: SOCIAL SECURITY RETIREMENT BENEFITS AND RELATED PLANNING TOPICS EXPLAINED IN 100 PAGE...Mike PiperBuy
THE INVESTOR'S MANIFESTO: PREPARING FOR PROSPERITY, ARMAGEDDON, AND EVERYTHING IN BETWEEN William J. BernsteinBuyPrevNext
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summarizes the most important information on the blog and contains material not found on the site at all. Straighten out your financial life today! Also available on Audible! Click to learn more! Join Your Colleagues! Follow the blog, get the secret blog posts and enroll in FinancialBoot Camp
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IF YOU ARE FI AND STILL WORKING, WHAT ARE THE REASONS WHY? (CHECK ALLTHAT APPLY)
* Not financially independent yet * Really enjoy my job * I would be bored without work * I'd like to spend or have even more money * It is morally wrong not to use my talents to help others * It is morally wrong not to earn the money that would help othersView Results
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