The ER DOC Finance Blog

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





Other Cool Stuff

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.

Other Cool Stuff

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

Latest Posts At A Glance

Locum Tenens Taxes: The Complete Guide

When you work locum tenens, taxes are more complex, but there's more opportunity too. Not to worry: We've done the research for you and compiled it here. This guide gives you the confidence to enjoy the independence of locum tenens work. As a result, you'll direct...

How To Freeze Your Kids’ Credit

You can and should freeze your kids' credit. Here's why and how. Background Minor children are targets for identity theft because no one monitors their credit. A fraudster could get loans in your kid's name for years. Then your child applies for their first job or...

How to Run Your LLC Properly

If you use a limited liability company (LLC) for locums shifts or other 1099 work, know how to run your LLC properly to get the liability protection you desire. Here’s what to do. What Protection Does An LLC Offer? Malpractice liability is always personal. In other...

Monitoring Financial Health: Debt Rate

What is Debt Rate? Debt Rate is a key indicator of your financial health. It's the percentage of your annual gross income that goes to debt payments. Total Annual Debt Payments / Total Personal Income = Debt Rate Example: Assume your annual income is $300K. If you're...

Monitoring Financial Health: Qualified Term

What is Qualified Term? Qualified Term indicates the number of years you could live on your current qualified assets. "Qualified assets" refers to money in retirement accounts. This includes pre-tax accounts like Traditional 401(k)s and IRAs, and tax-free accounts...

Monitoring Financial Health: Equity Rate

What is Equity Rate? Equity Rate is an important financial metric.  It's the percentage of your investment portfolio that's in stocks. "Equity" is another word for "stock." Equity (Stock) Investments / Total Investments = Equity Rate Example: Assume you have $2...

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


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