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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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Blogger Bio

Los Angeles, California, United States
Life stage:
DIK (Dual Income, Kids)
Physician (Doctor)
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Latest Blog Posts

I use a Feedly account to follow ~50 blogs. 35 of them are physician finance blogs. The other 15 are FI/RE blogs. The vast majority of them espouse low cost index funds and eschew market timing in favor of long-term, buy and hold investing. Recently, an interesting facet of human behavioral psychology has repeatedly been surfacing in this slice of the blogosphere: CAPE fear. ...
Posted: Mar 21 2018 @ 4:00 AM
True story from approximately 2002. It’s 3am the day after St. Patrick’s Day when an extremely concerned 21 year old woman accompanied by her bleary-eyed boyfriend arrive in the Emergency Department of a large urban trauma center. I am the resident on the night shift who sees them.Me: How can I help you today'Patient: My pooh is green! ...
Posted: Mar 16 2018 @ 3:00 AM
 It’s Match Day! You’re happy, relieved, and a few hundred grand in the hole. Which makes you feel a helluva lot better than the med school sweetheart couple that is in twice as much collective debt as you are. Now that you know where you’ll be training, your educational debt gets bumped up a notch to your number one source of anxiety.Fear not, young grasshopper:  the White Coat Investor ...
Posted: Mar 14 2018 @ 5:20 PM
If I were to create a TV show, it would be a romantic comedy for finance and efficiency nerds named “Battle of the Optimizers.” The husband and wife protagonists would constantly try to help one another by assuming household duties, resulting in well-intentioned mayhem and confusion. The battle, as it were, would pit efficiency vs. intrusiveness. The pilot would introduce us to the ...
Posted: Mar 14 2018 @ 3:00 AM
As part of the process of losing a loved one, I’ve made myself available to help a widow get through the tedious and at times overwhelming process of dotting i’s and crossing t’s in ensuring the timely legal transfer of assets into her name.During this process, we had occasion to discuss finances in a fleeting fashion. She and her late husband have had a decades-long relationship with their financial ...
Posted: Mar 09 2018 @ 4:00 AM
My eight year old son and I were lounging on the sofa with a few minutes to spare before piano lessons commenced. Sun was streaming through windows overlooking the Pacific, warming the exposed bare skin on our arms. We were at opposite ends of the sofa, playing that game where we plant the soles of our bare feet against one another’s and attempt to “foot wrestle” the other into ...
Posted: Mar 07 2018 @ 4:00 AM
I’ve never been a manly man - I'm the Michael Cera of physician finance bloggers. I sang a capella and participated in the annual high school musical. I never cared for ESPN, and my final year playing in a league was as a t-ball player. If I go a week without shaving, I resemble the Latvian exchange student who probably started the chess club at your high school - ...
Posted: Mar 02 2018 @ 4:00 AM
Dr. Jim Dahle (aka, the White Coat Investor) authored a famous 2014 post describing 150 Portfolios Better Than Yours. While an impressive feat, this is not terribly helpful to the newbie physician investor who just doesn’t want to screw things up while she figures things out. Social science and economics research have demonstrated that too many choices can increase anxiety, result in analysis paralysis, and in some cases lead ...
Posted: Feb 28 2018 @ 4:00 AM
Assuming control of your financial life involves scrutinizing multiple aspects of your income stream(s), accounting for assets and liabilities, and establishing a timeline for achieving specific financial milestones . The Financial To Do List I’ve assembled is a checklist that you can run through as superficially or carefully as you see fit. I thought applying it to my own situation could be helpful in demonstrating how other readers might ...
Posted: Feb 23 2018 @ 4:00 AM
This morning I read a book review in the New Yorker exploring the inherent tensions in raising a child prodigy: you want your special snowflake to make the most of their potential without spending so much time in competitive mode that their childhood is defined exclusively as a long and dreadful slog toward adulthood. Every elementary school classroom has at least one parent ...
Posted: Feb 21 2018 @ 4:00 AM


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