The ER DOC Finance Blog

The #1 Resource For ER Docs Who Want Trusted Money Advice





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ER Doctors Are In A Unique Financial Position.

Your training taught you to handle anything that walks in the door. It probably didn’t teach you how to handle the money you make.


Student loans, mortgages, credit cards, oh my! How to optimize your debt.


Practice investing like you practice medicine: Evidence-Based.


Retire on your terms and still enjoy life today.


Keep your biggest expense as low as (legally) possible.

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Charitable giving, estate planning, behavioral finance, and more.

Latest Posts At A Glance

HSA Pro Tips For Retirement

If you're savvy enough to use your HSA for retirement, here are some HSA pro tips to squeeze out the most value. Save receipts You should be paying current medical expenses from your bank account, not your HSA. But you'll want to reimburse yourself from your HSA in...

Using An HSA For Retirement

Most people spend their HSA money on current medical expenses. This is fine, but using an HSA for retirement is even better! HSA as a retirement account A Health Savings Account (HSA) lets you deduct your contributions, and pay medical expenses tax-free. Thus, an HSA...

Is Your Disability Insurance Taxable?

You know how much your disability insurance will pay (or do you?) But is your disability insurance taxable? Here's how to tell. Is Your Disability Insurance Taxable? Your disability insurance is: Taxable if you didn't pay tax on the premiums. Tax-free if you paid tax...

What Is An HSA?

What is an HSA? A Health Savings Account (HSA) is a powerful tool to save on medical expenses. You deduct your contributions on your tax return, and pay medical expenses tax-free. Background HSAs were first available way back in 2004. They were little-used for many...

Managing Student Loans During Residency

Managing student loans during residency is often overlooked, but it has a huge impact on your financial future! This article assumes the following: You have federal loans. You're early in residency. For now, you're managing your existing loans as they are. When you...

When Can You Withdraw From Your 401(k)?

When can you withdraw from your 401(k)?  This is really a three-part question: When can you withdraw? What tax will you owe? What penalty will you owe? When can you withdraw from your 401(k)? First, let's take a step back and look at different retirement accounts you...

5 Benefits of a Donor-Advised Fund

A donor-advised fund (DAF) is a charitable investment account that is owned by a 501(c)(3) nonprofit, but controlled by you. This article reviews 5 benefits of a donor-advised fund. 5 Benefits of a Donor-Advised Fund Benefit #1: Get an immediate tax deduction A key...

The 5 Biggest Financial Mistakes ER Doctors Make And Simple Ways To Solve Them


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