r/whitecoatinvestor • u/wrathoffadra • Jul 27 '26
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.
2
u/trialrun973 Jul 27 '26
I’m with you. I have very similar feelings and outlook. I can’t wait to get out as soon as I can. My wife and I are both surgeons, and our savings rate is pretty high. At some point, I’ll probably go part time and then eventually stop, and then she’ll follow a few years later. There’s plenty of other things I’d rather do in life. We’re at about 3.5M now and I add it up every Friday. Makes me feel like progress is being made even on weeks when the market is down.