Being able to make a difference in someone’s life as a physical therapist can be one of the benefits of the job. One of the downsides? You might have a lot of debt to show for it. According to a 2017 survey by the American Physical Therapy Association, recent physical therapy graduates owe an...
Financial planning is important for all of us. But a pharmacist retirement plan may require more strategy and thought than other professions. Why? Because pharmacists tend to have two things — high incomes and high student debt. When you have a high income, tax-sheltered investing options become...
If you’re a nurse, you’ve dedicated your working years to helping others live fulfilling and healthy lives. When it comes to a nurse’s retirement, however, you don’t want to shortchange yourself by not planning ahead. Although outstanding student loan debt is the reality for many nurses, you...
According to a QuickBooks survey in collaboration with Gallup, as many as 44 million workers reported being self-employed at some point during any given week in 2019. But that number has jumped significantly with the growing popularity of side hustles and with the impact of the COVID-19...
As traditional pension plans become less and less available, employer-sponsored retirement plans that allow employees to contribute a portion of their earnings have become extremely popular. These include 401(k)s, 403(b)s, 457(b)s and 401(a)s. Employers have marketed these plans as an...
Student loans can feel like a giant, lead-filled ball and chain that borrowers must drag behind them. If your balance is over $100,000, it can feel like you’re stuck with a mortgage, maybe even before you have your first mortgage. Some borrowers grew up allergic to debt, so they focus their...
A strategic approach to saving and investing can mean the difference between working well into your 60s and 70s versus living life on your own terms. Whether you want to hang up your white coat early or just want to comfortably cut back hours, doctors have more retirement planning options than...
Dentists generally earn high salaries and have a unique industry where owning a practice is the norm. They also report moderate-to-high job satisfaction overall, particularly for specialists. But just because you enjoy your job doesn’t necessarily mean you want to grind away well into your 70s...
In 2022, Congress passed an expansion of the 2019 Setting Every Community Up for Retirement Act, known as The Secure Act 2.0. It aimed to bolster retirement readiness among Americans. Section 110 of the legislation includes a novel provision that addresses the specific challenges student loan...
After working your way through medical school and the grueling hours of residency or fellowship, facing 80-hour weeks and 24-hour shifts, the idea of retirement planning might seem almost laughable. You’re earning a PGY salary that amounts to around 20% to 35% of what you’ll receive in your...
One thing you quickly learn when traveling around third world countries is that they play by an entirely different set of rules than what you’re used to. Routine motions like going from A to B or making simple transactions can be frustrating enough to make you want to punch a durian.
Frugal...
There wasn’t any deliberation process when I decided to respond to a post on the Melbourne Backpacker facebook group offering a place on a roadtrip and camping adventure to Wilsons Promontory.
Frugal Frolicker specializes in outdoor travel adventures. The post When a 30-Something Travels With...
“How was your weekend?”, asks every king and queen of Small Talk who happens to engage me in a conversation on a Sunday night or Monday.
Weekends have meant nothing to me since I left the corporate world 1.5 years ago, so I don’t know how to answer this question anymore.
Frugal Frolicker...
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