The seasons have changed, and fall is coming to an end, which means the holidays are here! While Nate may not be the biggest fan of Thanksgiving food, he and Chelsea take some time to reflect on life and money lessons they are thankful to have learned, often around a dinner table. Nate Reineke and Chelsea Jones break down some of the valuable lessons they learned when they were young, like “don’t spend money you don’t have yet,” and Chelsea’s favorite, “pay yourself first.” We also discuss your colleagues' questions. A Neurosurgeon in New York just got a bonus payment and has a large lump sum to invest. Should they do a one-time deposit to their taxable account or dollar cost average? A Cardiologist in Oregon says, “We earn $700k/year and we watch what we spend to some extent, yet at the end of the month, we are out of money. What do you think the problem is?” The wife of a retired General Surgeon in Oregon asks, “My husband is on Medicare, but I am not, and my insurance covers our youngest son. Should I have an HSA?” A Dermatologist in Texas says, ”My in-laws are selling their home and we are thinking about buying it and turning it into a rental property. What do you think?” However you celebrate the upcoming holiday season, we at Physician Family Financial Advisors are thankful for you! Are you ready to turn worries about taxes and investing into all the money you need for college and retirement? It’s time to make a plan and get on track. To find out if we’re a match visit physicianfamily.com and click get started or, you can ask a question of your own by emailing [email protected]. See marketing disclosures at physicianfamily.com/disclosures