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I recently wrote an article on Doximity.com about what I felt after the death of one of my medical school classmates.  He died of metastatic pancreatic cancer at the age of 58.  It forced me to pause and reflect on what is truly matters, starting with meaningful relationships, especially with those closest to us.  It was a stark reminder that despite our best planning, life does not always unfold that way we expect .  When that happens, we have the choice: succumb to our cir

One of my clients asked me to review a proposal for long-term care insurance for him this past week, and the result was instructive.  I thought it would make a good post.  First let me start with a few points: Although I am not a fan, in general, of commission-based financial advising as a compensation model—I think the conflicts of interest are too strong to be truly fiduciary—, I have nothing against the people who work for insurance companies.  I think that most of them fe

In my last blog post, I mentioned that I was on the precipice of retirement from medicine.  Well, a couple of weeks ago, I officially worked my last shift. My personal perspective on the transition is still fresh, perhaps still too fresh, but that may be precisely what makes it worth examining. So, let’s dive a little bit deeper into some thoughts as I look forward to the first post-medicine year.  Maybe I will revisit it a year later with the perspective of looking back.  It

Why leaving clinical medicine can amplify volatility — even if your math works. Sequence risk is typically framed as a retirement math problem. But it’s often a life-timing problem. The real danger isn’t just poor early returns — it’s when volatility collides with income reduction and identity shifts. Anyone familiar with me from my website, blog articles or podcast appearances knows that I am a second shifter.  "The Second Shift" is the name of a new podcast that I am co-ho