White Coat Investor

The White Coat Investor website and blog launched in May 2011 with the goal of providing doctors and other high-earning professionals with a fair opportunity in the financial world. It offers valuable resources on personal finance, managing student loans, mortgages, investing, protecting assets, estate planning, and minimizing taxes. In February 2014, I released a new book called The White Coat Investor: A Doctor's Guide to Personal Finance and Investing, which is available for purchase on Amazon!

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WCI Travel Club: Memorable Trips to Chile, Lake Powell, and the Oregon Wine Country

5 days ago | whitecoatinvestor.com | Josh Katzowitz

By Josh Katzowitz, WCI Content DirectorOccasionally writing about our travel experiences and what lessons (financial and otherwise) we can learn from them has become a fun and meaningful activity here at The White Coat Investor.
The Case for Ending PSLF — And What You Should Do | White Coat Investor

1 week ago | whitecoatinvestor.com | Josh Katzowitz

[EDITOR'S NOTE: For those who want to inspire the WCI community and teach the wisdom they’ve gained in the financial and/or wellness spaces, we are officially calling for WCICON26 speakers. We’re headed to Las Vegas on March 25-28, 2026, and we want readers like you to teach attendees about investing, wellness, or something completely unique. All you have to do is apply at wcievents.com.
Life Changes and Renters Insurance Needs: How Residency, Moving, and Marriage Affect Your Coverage

1 week ago | whitecoatinvestor.com | Josh Katzowitz

By Travis Christy, White Coat InsuranceResidency and fellowship come with significant life changes, from moving for training to starting a family. These transitions bring unique financial challenges, especially when managing tight budgets. Many in the medical community, particularly during training, find little room to save after paying for rent, utilities, and other basic expenses.
Lessons Learned from Achieving Financial Independence

2 weeks ago | whitecoatinvestor.com | Josh Katzowitz

By Dr. Erik Hofmeister, WCI ColumnistWe achieved financial independence three years ago. Even though we kept working for a couple of years, I remember some changes that happened almost immediately. I’ve read hundreds of blog posts and numerous books, but it was quite remarkable to discover the difference between aiming for FI and reaching FI. I have two math lessons and two psychology lessons to share with you. Let’s start with the math lessons.
The Best (and Cringiest) Pro Wrestling Characters Who Played Doctors

2 weeks ago | whitecoatinvestor.com | Josh Katzowitz

By Josh Katzowitz, WCI Content DirectorMost of us can agree that pro wrestling is a silly spectacle.
Seeking Mental Health Support as a Doctor

3 weeks ago | whitecoatinvestor.com | Josh Katzowitz

By Dr. Julie Alonso, WCI ColumnistTwo topics that people often shy away from in conversation are mental illness and money. Thankfully, as a psychiatrist and WCI columnist, I am comfortable talking about both. I last wrote about wellness and how to optimize it with a focus on lifestyle factors (nutrition, physical activity, sleep, social relationships, and interests), but those interventions can only do so much when someone really starts to feel like they’re drowning.
How to Tax-Loss Harvest at Vanguard

4 weeks ago | whitecoatinvestor.com | Josh Katzowitz

By Dr. Jim Dahle, WCI FounderWhen it comes to investing, small optimizations can make a big difference. For example, if you had a $100,000 portfolio, boosting your returns by just 0.1% over 30 years would mean earning an extra $8,221 in returns. Tax-loss harvesting in your taxable brokerage account (if, for instance, you are with Vanguard, Fidelity, or Schwab) is one way to optimize your investments.
A New Way to Think About DIYing Your Financial Life

1 month ago | whitecoatinvestor.com | Genhee So |Josh Katzowitz

[EDITOR'S NOTE: One positive aspect of having private student loans is that you can refinance them whenever interest rates drop or whenever you find a better deal than your current lender. And it’s always a good time to check to see what the WCI-vetted student loan refinancing companies are offering. You’ll even get a cashback bonus if you go through the WCI links. If you’re still sitting on loans that can be refinanced, what are you waiting for?
High State Income Taxes: The Ugly, the Bad, and the Good

1 month ago | whitecoatinvestor.com | Josh Katzowitz

By Dr. Rikki Racela, WCI ColumnistThey say a picture is worth 1,000 words, so let the following picture of my state taxes owed explain why I hate New Jersey:Yes, you read that right! No photoshopping, no deep faking. This picture shows that my wife and I owed close to $100,000 in New Jersey state tax.
The Stock Market Tanked This Week; Is This Time Different?

1 month ago | whitecoatinvestor.com | Josh Katzowitz

By Josh Katzowitz, WCI Content DirectorEvery time a bull market enters a correction period or, even worse, becomes a bear market and white coat investors lose tens of thousands, hundreds of thousands, or millions of dollars in a short amount of time, the question inevitably appears:“Is this time different?”We know that the stock market has always gone up and to the right over time. If you need proof, here's a good illustration of how time in the market has always worked to your advantage.