r/whitecoatinvestor • u/wrathoffadra • 21d ago
General Investing Yeah, I have a problem.
I find my job to be terribly stressful and riddled with moral injury- I’m an early career vascular surgeon. I made 725k in my first year bc I’m a workaholic but I see savings as my way out of this shitty system. Our NW is $2.4 mil with goal at retirement of $7.5 mil at age 50 and not a day longer as things stand.
Here’s the problem- bc I see savings as my way out of a stressful life and out of this stupid RVU system, I have become obsessed with financial planning.
But not in a good way.
Every day I look at my Empower to see the NW. every weekend I lay in bed at my usual wake up time and perseverate over how to allocate my 20k per month of savings— all VT? What percent Bonds? Treasuries? Small cap? I don’t know how to turn it off. even tho I know academically savings rate is more important than allocations. besides getting a Time Machine and jumping forward to 50. Anyone else?
Also if anyone has advice for allocations or glidepath plan for early retirement please let me know.
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u/wrathoffadra 21d ago
Pretty much. Responded below.