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Crispy Doc

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Crispy Doc
Early Retirement
Physicians, financial independence, investing, quality of life, balance, Bogleheads
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Los Angeles, California, United States
Life stage:
DIK (Dual Income, Kids)
Physician (Doctor)
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Latest Blog Posts

Just as arbitrage deals with using inefficiencies in pricing to extract additional value in a financial transaction, ego arbitrage uses inefficiencies in the status of certain tasks or behaviors to create additional value (or savings) in your career and in your life. This morning I awoke to read a mind-blowing blog post over at Freedom Is Groovy where ...
Posted: Dec 13 2017 @ 4:04 PM
It’s not at Vanguard. I was not an accredited investor at the time of purchase. And it’s beaten the S&P in value added every single year since I went all in. Trouble is, it’s closed to new investors. A recent thread on the WCI forum got me thinking about my single most important investment. It was the summer of 2004, just after the ...
Posted: Dec 07 2017 @ 4:00 AM
This post takes it title from a charismatic flight attendant's announcement prior to takeoff on a recent flight from California to Texas. It resonated for me. Like many other FI bloggers, I'm a recovering neurotic transitioning to calm. Also like these bloggers, now that I've got the big rocks in my financial life straightened out, there's a lot of free time to kill. ...
Posted: Dec 01 2017 @ 4:00 AM
In the FI blogging world, certain names get referenced by folks whose opinions you respect until you reach a tipping point and decide to spend a few hours digging through their website to see what the hype is all about. Ms. Montana at Montana Money Adventures was toasted by so many of the bloggers I admire that I prepared myself for disappointment.This had nothing to do with Ms. Montana ...
Posted: Nov 27 2017 @ 2:28 PM
I was recently entrusted to read a friend’s memoir about coping with his wife’s major unexpected health crisis one year into their marriage. Spoiler alert - she survived, they remain together, and her recovery continues to make strides three years later.My friend describes, among many other things, the experience of being disappointed by friends he considered intimates who seemed to recede from view when he most needed their support. ...
Posted: Nov 24 2017 @ 3:00 AM
In medicine, the Tanner scale of development uses physical characteristics to determine where an individual falls in their development from child to adulthood. Here’s my financial equivalent for newbie physicians (with minor modifications, it can apply to non-medical folks just as easily): Tanner I:Your sibling or parent gifted you a mediocre personal finance book in college, which you started but did not finish. ...
Posted: Nov 20 2017 @ 3:00 AM
For physicians with specialties than enable them to scale back time commitments, I've always suspected that creating a "glide path to retirement" could make a significant difference in day to day quality of life. Time to test that hypothesis! It's been six weeks at my reduced shift load as an emergency physician, and I thought it would be a worthwhile exercise to review what they’ve been like.   ...
Posted: Nov 17 2017 @ 3:00 AM
It’s the one year anniversary of Leonard Cohen’s death. Here’s my tribute.You’re probably thinking I shouldn’t quit my day job.Once I reach my FI number, I may just quit anyway!(For best results, play the video and read the revised lyrics below in time to the music) And who by FIRE, who will early retireWho will play ...
Posted: Nov 14 2017 @ 3:00 AM
Doctor goggling means diagnosing yourself with a new new terminal disease every week or so. It’s morbidity for the morbidly curious. It disproportionately affects those who know just enough to be dangerous.  While it’s considered to be more of a med student malady, for lucky shmoes like me, it can endure far beyond residency. Ordinarily I enjoy being under the Lake ...
Posted: Nov 11 2017 @ 3:00 AM
Years ago, I bought an album because the title caught my eye: Some People Have Real Problems. I was browsing used CDs in a music store back when both of those existed, and I felt the universe trying to restore perspective to my personal pity party. Fast forward a decade, and I had fallen off the wagon again into whining doctor mode: headed into my ...
Posted: Nov 06 2017 @ 3:00 AM


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