How should you approach exercising ISOs when you don't have the ability for a cashless exercise? 

Especially common in pre-IPO situations you may not have enough cash to exercise your ISOs to get the clock ticking on long-term capital gain treatment.

In this podcast episode, I share some ideas for navigating this issue.

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Plan conservatively so you can invest aggressively.

In this podcast episode, I share how you can deal with market uncertainty by focusing on the things in your control.

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Putting too much emphasis on the "retire early" aspect of financial independence can create a scarcity mindset and limit you from obtaining what you really want sooner.

In this episode, I share why "work optional" is a better mindset for most people to focus on because it allows you to take breaks along the way while create a fulfilling life experience.

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Target date funds can be a great all-in-one solution for someone early in their investing journey who's looking to get appropriate investing exposure.

However, target date funds can create some problems as you continue to grow your investment assets outside of a workplace retirement plan since they fail to take into account your complete financial picture.

In this episode, I share some of the downsides target date funds can create as the complexity of your investment assets increase.

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What are the major downsides of paying AMT when exercising ISOs? If you're not aware of the liability come tax time, you can create a cash flow nightmare. If you're aware of the liability ahead of time, the main downside is providing an interest-free loan to the IRS with the AMT credits you receive. An AMT credit is considered "non-refundable," meaning you have to have a tax liability in a future tax year that can be offset. Depending on your tax situation in future years, it could take a while to recoup your AMT credit.

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You most likely don't need to be paying for permanent life insurance. Term insurance is a far more cost-effective solution.

In this podcast episode, I break down why you should keep your investing and insurance needs separate.

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Physician On FIRE: Tax-Loss Harvesting Guide

In this episode, I break down the basics of tax-loss harvesting and some major pitfalls to be aware of.

Financial planning is the guide that leads you from the game you are playing to the game you want to be playing.

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In this podcast episode, I explore the differences between value investing and a passive investment style (market-cap-weighted).

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As we start 2022, now is a great time to map out your cash flow for the year.

How much of your income do you want to save this year and put towards growing your net worth to accelerate your path to FI.

In this episode, I share my framework for mapping out cash flow and automating planned savings goals.