u/Dependent_Gold5692

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I am a long time listener of Whitecoat Investor. I’ve listened to basically every podcast, especially Milestones to Millionaires. I made a promise to myself that I would follow the advice when I got out of residency.

Looking for an objective assessment on how I have done, what I can do better, and mistakes to avoid.

For context, I come from a low income family and I do support my parents so I finished residency with maybe $10k in savings and $0 in retirement and investments.

-I am 2 years out of training
-I paid off ~$200k in student loans
-I have around $600k between my retirement accounts and personal brokerage
-I am still renting so I do not own a home
-My goal is to hit $5 million in 10 years
-Household income is currently $900k (yes I have a very high savings rate)
-I want to buy a house because I have 2 kids but interests rates are high and houses in my city are around $2-3m because it is HCOL

I am proud of myself because of my high savings rate and a huge swing since I have been out from residency but I am working a ton and I worry that I will regret missing time from family. At the same time, I want to take advantage of my early earnings years while kids are very young to maximize my investments so that I can FIRE in my mid to late 40s.

Any advice? Thank you guys in advance!

32 years old, have ~$800k between my retirement accounts and taxable brokerage. This was all due to working a ton and having a very high savings rate and living within my means. I don’t have a fancy car or house but that’s not important to me.

I still plan to add monthly to my investments of course but am just curious if I can safely say that I’ve reached COAST Fire?

I have tried everything. I’ve commented on his posts. I’ve DM’d him here. I’ve sent what’s app messages. It has literally been months and not a single reply. I am a previous customer x 2 as well.

I work in anesthesia but have always wondered. How much does Medicare pay you for your procedures?

An EGD or colonoscopy for example? Or a lap chole? Or a cysto/stent? What about a cardiac cath? Or a c-section? Etc

I have always been curious but very shy to ask my surgeon colleges. I hear that reimbursements have gone down a ton.

For example, my pain friends told me a SCS implant barely pays much anymore compared to before.

Looking for places like Montage Laguna bay or sesnei porcupine creek. Thanks!

No budget. In June.

Places like CHS, Sensei porcupine creek, etc. I’ve already been to amangiri and rosewood Miramar.

Any recs? Want to stay in continental US

I am in a tough situation. Need a large house for my family and my parents (I support my parents entirely and they don’t own a home). The only houses that allow for this much sqft are in the $2-3m range in my city? Household income is $1.2m pre-tax. No debt. We have around $600k in investments between 401k and private brokerage account. Around $100k in savings. My main concern is current interest rates of course. I know I can afford it but I don’t want to be house poor.

Edit: I have been out of training for 1 year. I am honestly leaning towards saving for 2-3 more years before buying such a home.

No budget. Prefer to stay in continental US, want a nice relaxing place with beautiful scenery. Plan to go in June/July

Has anyone gotten a good mortgage rate recently?