Steiny, DO, MBA
@JeffSteinerDO
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Following
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Media
277
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Early retired Pedi Anesthesiologist from Texas. Currently on sabbatical. Tweets are not advice - medical nor financial
Joined June 2021
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@DrLongissimus
If you want to know how to procure a cup of coffee in any hospital - ask an anesthesiologist.
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@blondenerdx
The real question is why someone has not come up with an auto-login for zoom conferences.
Like, how hard would it be to have zoom boot that bad boy up whilst you are otherwise engaged in life?
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Hey Med Students/ Residents -
Is $5,000 enough for a relocation loan between med school and residency?
If not - what is the “bare bones” amount that makes sense?
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@olsonplanner
1. As others have said - this is not acceptable.
2. Screenshot the tweet to document it.
3. Report it to ERAS with the tweet screenshot.
4. If ERAS refuses to do anything, report to the Institution’s DIO
5. Happy to talk to the applicant if they have questions - DMs open
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For my anesthesia peeps - if you are going to have command of airway control, you can’t be limited.
You will be glad you know how to use different blades when you are by yourself, at night, in the PACU with only one type of blade, and a crumping patient. (this happened to me)
Hot take:
I cringe when people tell medical trainees learning how to intubate…
“You really only need to get good with one type of blade while intubating… I am a Mac person.”
If you intubate, you should be able to use every type of blade. Full stop.
#MedTwitter
#MedEd
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@brothergram
Congratulations!
Besides the typical snack foods, what else do you like to put in college vending machines? There has got to be some high yield things out there.
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@smalltownDO
Tell me you are on IM service, without telling me you are on IM service.
Dr. Thomas will go first.
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@amandamen
Congratulations on making a difficult decision, Dr. Menotto. Lean on the community of us physicians who understand.
My DM’s are open if you have financial questions you would like to talk through as you make the transition to your next chapter.
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@jennyrozelle
What if … just hear me out … part of the decedent’s wishes were to have a reading of the will and required the beneficiaries dress like a character from Pirates of the Caribbean? 🏴☠️
I know you are not a fan of the “hand from the grave” … but you have to admit it would be 🔥
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@MaVictoriaRMD
@StoriesImg
I don’t know the specific program, but these types of letters are typically sent out when a program closes.
This might have saved you from Matching to a program that was going to be closed.
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@olsonplanner
Float it out -
1- run dishwasher
2- fill the other side of the sink full of water.
3- when the dishwasher empties, release the other sink drain to fill the common drain
4- this may overwhelm the drain and the dishwasher draining may float the lid out
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I don’t know who needs this.
Did you give up on yourself?
There are people in your life that know and love you - they have not given up on you.
You need you.
They need you.
The world needs you.
Get to it. Make it happen.
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@MeasureTwiceMNY
@MichaelKitces
Wish existed - a Monte Carlo retirement simulator with “guardrail withdrawal” calculations to simulate changing withdrawal % based on the increase/decrease of the market - in reality, you will not continue to withdraw at the same % if the market tanks
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@natashaabadilla
You know it’s been too long when the garage door light automatically turns off and you are still there scrolling.
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@Kamali_Thompson
cira 1960s (well before my time)
The Ohio State Uni maternity ward was next to the football stadium.
When a patient went into labor, the nurses hung a sheet out the window to summon the OB to return to the hospital to deliver the patient.
We have come a long way.
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@kjdelay1
The Surgeon
Lower stress levels for the surgeon when the surgeon picks the music.
Yes. They actually did a study about this.
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@lady__bost
Great time to start investing -
1. Everything is on sale
2. They didn't lose much
3. They may be less likely to bail when the next one comes and they have 💰 invested because they will remember the bounce back.
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@factorshe07
Everyone will “tube the goose”.
Anyone who says they have never missed an intubation has not done enough of them.
You got this.
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@fuzzymittens
I echo what others have said about quicksand … it was such a prevalent trope in TV and movies that I really thought it would be bigger problem.
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@FiSurgi
People get all out of shape about the “Retire Early” part of FIRE because those that FIRE tend to earn money during retirement.
I think
@MeasureTwiceMNY
has it right
-
Financial Independence
Recreational Employment
-
You are working not b/c you HAVE to, but b/c you WANT to.
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@FilledWithMoney
Surely you have seen the website … I first thought it satirical website, then I realized it was for real. Read an article about how to keep from mixing up your jobs by using different browser types and color coding work spaces. 🤪
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@olsonplanner
Good points made below. I would also add 🚩 "This is the same contact everyone signs. Don't waste your $ on a contract laywer.". 🚩ALWAYS have an attorney who specializes in physician contracts review the contract.
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@fuzzymittens
[in hushes tones]. If we are really quiet and look through the difficult airway cart, you can find the Shikani scope in it's natural habitat ... Lurking in bottom drawer, because a senior partner loved it, but hasn't been used since they retired ...
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@MeasureTwiceMNY
I’ve thought about this … a lot.
Perhaps -
being frugal affects only you.
being cheap affects those around you.
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@PedsDrJeff
@DocWithBowtie
@schadhayes
Eye injuries were common enough to be specifically written into the articles of agreement, along with losing a hand or foot. Yes -pirates had disability policies that paid an amount based on the injury. (2 your point - Most patches were used to protect night vision)
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@FilledWithMoney
Depends what you are optimizing for … there are a lot of factors that have been left out of that equation on both sides.
- Time - PTO and time spent at work vs control over your schedule
- Benefits - which cost $
- Stress or lack thereof.
- Enjoyment in what you do
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Dear
@FI_Squirrel
-
Not gonna lie. Deep down, I imagine you are a squirrel in a tiny suit complete with bow tie and a vest.
I can’t be the only one.
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@hugosays
@olsonplanner
You are correct about filing. The specific reason for med students to file a tax return is to provide an AGI for the income driven repayment (IDR) system. A $0 AGI provides newly minted doctors with 12+ months of $0 payments towards Public Service Loan Forgiveness.
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@TheMoneyAvenger
Congratulations! great problem to have.
Your options -
1. Pull out excess contributions, and place in a Trad IRA - then do a Backdoor Roth with that $.
(Watch out for the pro-rata rule)
2. ⬇️ your AGI by contributing to a 401k, HSA, or donating $,
For 2023 - Backdoor Roth
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A little Friday study session on Bonds … with a glass of 🍷
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@mbontrager5
I am seriously considering adding a couple of slides to my lecture to the graduating med students about the buffoonery of IUL and MPI. 🤦🏻♂️
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@jidebam
Thanks for the repost - great 🧵
Khneman & Deaton published “High income improves evaluation of life but not emotional well-being” in 2010 and their salary for max happiness was $75k
If you adjust for inflation the salary in 2022 is ….
Wait for it ….
Wait for it …
$100k
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@StuDrBrittany
Be honest. This is a “getting to know you” question. A variation on this question for resident applicants is “if you couldn’t do [speciality] what would you do?” When do you answer, follow up immediately with the “why” Now we are all curious … what would you do and why?
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@ErinWood402
@FiSurgi
@TR401
@SonyaDreizler
Great article - you really covered a taboo subject thoroughly.
Disappointing the FB group only wants to talk about comfortable subjects.
I'm sure there were people in the group that could have benefitted from the information.
Personal finance is sometimes messy.
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@olsonplanner
Former PD here. We encourage our pedi anesthesiology fellows to take the month of July off to move, study for the boards and rest ... then start in August. We are able to do this b/c we do not use our fellows as a labor pool ... They are with us for a year to learn.
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@doctornontrad
I have interviewed applicants for med school, residency, fellowship, and attending positions. I always thought it was weird when they apologized for not having a family member in medicine. Now I know where the unnecessary apologies come from - meaningless small talk.
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Great Podcast with
@TKopelman
and
@MarkMcGrathCFP
talking about financial planning for physicians.
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@Nina_Mrkdo
It can be an overwhelming event. Tons of lectures going on all at the same time, on topics you want see.
- Check out the resident section - they have res specific lectures
- Go to the med student meet&greet
- Map out the lectures you want to attend
- Cafe Du Monde!
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Calling all med students & residents interested in pediatric anesthesiology! So excited to launch the Spotlight on Careers in Pediatric Anesthesiology Webinar Series. Use the QR code to register!!
@PediAnesthesia
@UMichAnesthesia
@UCSFAnesthesia
@YAnesthesiology
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@mbontrager5
If these TikTokers are selling MPI, how does this kind of video not constitute a regulation issue for these sales persons?
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Please let your MS4 friends know this is happening!
I feel honored to “share the stage” with this lineup of speakers. Tyler put together a fantastic lineup for this event.
Want to see the schedule of instructors and topics for the upcoming
@adviceresidency
Post-Match Financial Education Seminar?
See below!
Thank you in advance to:
@StudentLoanAdv
@1GenWealth
@JeffSteinerDO
@leidengcfp
@courtranstrom
@drniidarko
@JordanFreyMD
@FrugalPhysician
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@thejenevieve
Human residency is certainly a strange place to be for Residents. They are an employee and also a trainee (sometimes the employee different than the institution that trains them.)
Usually physicians are given a relo/signing bonus when they get their “real” job after training.
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I had the privilege of speaking with the
#UTSW
MS Class of 2022 about Financial Literacy this week with two other attendings!
We had some great questions from the students and we dropped some knowledge 💣’s along the way.
Thanks for having us again this year!
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Congratulations, Dr. Winters!
The ACOP is in great hands.
Humbled to announce that I officially became the 2022-2023 Secretary/Treasurer for the American College of Osteopathic Pediatricians. I will follow the leadership track to become the 2025-2027 President!
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@olsonplanner
I would invest all the $100k in the market as opposed to Dollar Cost Averaging.
The modeling around this has been consistent that IF you have a lump sum of money to invest THEN investing it all at once will provide better returns long term than Dollar Cost Averaging.
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@lady__bost
@Josh_R_Turner
@RetirementRisks
@CPAPlanner
Totally - it also doesn’t help that the “spot” was planned for 3-5min and he is having to educate what a RMD is.
He kept saying “Required Minimum Distribution” or “RMD” hoping it would mean something to them. That’s a tough spot to be in.
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@JessicaGoedtel
Write a book as a rebuttal- self publish to Amazon - I’d buy it.
It could be cathartic.
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@olsonplanner
👋🏼
AA students, Med students, residents, fellows and attendings.
Although you asked about trainees, I included attendings, because we are life long learners. 🤓
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@cadiulus
So sorry.
Your sister and her kids are so blessed to have your family in lives.
B/c you asked -
1. Grief counseling would be helpful for your new family.
2. You may consider reviewing your estate plan with your family change and special needs trust might be appropriate.
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@FiSurgi
Daily - I usually have a non-fiction and a fiction book in the mix.
I’m currently reading “The Invisible Hook: The Hidden Economy of Pirates” - it’s an interesting mashup of finance and history 🏴☠️
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@mianhi63
@olsonplanner
It sure adds up quickly when you are bridging that gap between med school loan dispersement and the 1st paycheck as a resident.
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@ElliottMAppel
@XYPlanning
@MattFizell
@theadvisorgc
@DefineFinancial
@INNsusan
@FiSurgi
@leidengcfp
@SimonTryzna
@cathy_sikorski
@carolinebikes
@gaberissman
@anngarciacfp
@danikaw
@FrancisFinance
@kathi_balasek
@MichaelKitces
@ShannaDue
@jus10castelli
@AtlantaTax
@JamLClark
@nick_covyeau
@MegBartelt
Thank you, Elliot for taking us along on your journey and “building in public”
@behaviorgap
This first year was packed full for you (as those who follow you know. )
So excited to see what this next year brings for you, your family, and Kindness!
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@FiSurgi
@lady__bost
@olsonplanner
@MeasureTwiceMNY
@RetirementRisks
Has anyone come up with an optimal Trad : Roth ratio in retirement?
I know- “it depends”, but surely someone has come up with at least a “rule of thumb”.
I can’t be the only one that thinks about this.
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@fuzzymittens
Having that 4% of jerks just shows you have an adequate sample size. It’s like the stuff on Amazon that only has 5 star reviews … not enough people have voted.
Now you can proudly tell your group you are taking off a day week based on “the data”.
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@Dallas_Holladay
The deficiency letter was obviously intended for someone else. No need to correct it. 🙃
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@FiSurgi
We have a Concept2 rower - excited to have the classes and use the C2 we already have.
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@olsonplanner
Unfortunately, a company (who shall not be named and who is not on the list) is a common lecturer at residency programs. Program Directors, please be careful who you let have access to your residents.
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@jidebam
So sorry.
Shame on your colleagues for -
1. leaving off your credentials when making of the slides.
2. not speaking up when the slide was presented.
3. not apologizing.
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@LeslieMDPharmD
My wife thought our Apple account got hacked because there was a charge for the song “How Far I’ll Go” from the Moana soundtrack …. It was me. I bought it to play for a patient I was bringing to the OR.
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@AdviserCounsel
Want to know why physicians take issue with the “value” of financial “professionals”? We have been TARGETED by an industry who preys upon those of us who TRUST other professionals to do what is in the best interests of the patient/client.
@FiSurgi
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Finally!!!
I have bot followers that actually “like” my content, instead of just boosting my follower counts!
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@richandregular
My wife had plans to become a master knitter during her maternity leave … scarves, sweaters, hats …
Her one and only project was a blanket … it might be able to cover a potato … a small one.
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@swmplanningcpa
“Thank you for thinking of me with your tax question. As it turns out, it is against my policy to give people tax advice to people who are not my clients. Best Regards.”
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Finally finished the second edition of my finance book for physicians.
It was such a massive overhaul, I changed the name.
Physician Personal Finance Made Easy: The Review Book for the...
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@AdultingIsEasy
According to the The Florida Bar:
“The Unlicensed Practice of Law (UPL) program was established by the Supreme Court of Florida to protect the public against harm caused by unlicensed individuals practicing law.”
Do what you will with this information.
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@ianweiner90
S’more cones - waffle cones, mini-marshmallows, chocolate. Load up the cones with the mellows/ chocolate, put in tinfoil- put on the fire to melt everything - fun take on s’mores
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@olsonplanner
1. Most anesthesiology residency programs are non-profit and would qualify for PSLF. That’s at least 4 years of reduced payments - maybe more if you complete a fellowship.
2. You will mostly find non-profits in academics … a few in private practice, but rare.
1/n
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I never thought I would have to say this …. Don’t go into student loan forbearance so you can afford whole life insurance. This is right up there with sticking a fork in an electric plug.
A resident I spoke with this morning met with an insurance saleperson who is recommending they manually apply for forbearance on their loans after May 1.
Why?
To direct maximum funds to a...wait for it...
whole life insurance policy!
This is a bad idea for so many reasons!😡
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@residencyreview
Former PD here. Absolutely NOT OK.
Sorry you had to deal with garbage.
This is a NRMP (The Match) issue more than ACGME issue. It falls under illegal questions that are not to be asked.
A good article on dealing with can be found here -
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@elenaspeaking
Absolutely.
Being nice to someone is for your benefit. Being kind to someone is for their benefit.
Both actions can look similar in the moment - it’s the expected outcome of the interaction that will show if they are being kind, or just being nice.
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@olsonplanner
Many firms pride themselves on retention rate … (dependence rate?) - in the AUM & retainer models it makes sense.
Is graduation rate this the new metric of “real financial advisors”?
@behaviorgap
@MichaelKitces
@MeasureTwiceMNY
@JonLuskin
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@Bickmore57
@FiSurgi
@lady__bost
@olsonplanner
@MeasureTwiceMNY
@RetirementRisks
Adding it to my kindle …
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@ElliottMAppel
There will come a season when the caregiver needs the support as much as the the one being cared for because the care exceeds the capacity of the caregiver to give.
The love doesn’t change, just the way the care is given.
You got this.
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@theactionpod
@Budgetdog_
401 k provide a couple of advantages over a brokerage -
- asset protection - 401k plans are protected in most states
- tax advantages for contributions and growth.
I would also propose that a seasoned investor does not always equal a consistent investor.
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@HofkampMichael
@AaronWoofter
@olsonplanner
Thanks to SECURE 2.0 - starting in 2024 Roth 401k and 403b are not subject to RMDs. 🔥🏴☠️
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@RetirementRisks
@ElliottMAppel
@lady__bost
@FiSurgi
@olsonplanner
@MeasureTwiceMNY
I fully embrace my tin foil hat on this one …
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Med Students - take advantage of this opportunity that is going live in one hour! Residents - tune in so you can help your PGY-1 joining your residnecy as well.
Financial implications of the transition from medical school to residency discussion.
A preview for tonight at 7pm EST.
@TwitterSpaces
details below!
@ElliottMAppel
@awsumpowers
@KimiChernoby
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@drmoneymatters
Can you imagine the look of the PD’s face when a resident submits a moonlighting approval form to work at McDonald’s? 😬
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@DrSandman11
@DeepaKattail
Does anyone else pronounce “asystole” like the video during ALS/PALS … if not, you are missing out on some prime IRL sub-tweeting, my friends.
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@MichaelKitces
Waiting for Nerd’s Eye View to do a case study of Leeroy Jenkins in relation to the finacial planning industry ….
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