Financial Freedom Rx

Chirag P. Shah, MD, MPH is an assistant professor at Tufts University School of Medicine, a lecturer at Harvard Medical School, and vitreoretinal surgeon in Boston. He teaches Financial Literacy 101 at Harvard Medical School, and also to residents and fellows around the United States. He is coeditor of the Wills Eye Manual, Fifth Edition, the all-time best-selling book in ophthalmology. He was deputy editor of the American Academy of Ophthalmology’s Online News and Education Network, a site that 110,000 ophthalmologists and other health care providers access every month. His professional awards include the Secretariat Award from the American Academy of Ophthalmology and the Senior Honor Award from the American Society of Retina Specialists, awards for outstanding service to the educational missions of both societies. He also won the coveted Ron Michels Award, given annually to the most accomplished graduating retinal surgery fellows in the nation. Dr. Shah was one of 25 medical students nationwide to win the Leadership Award from the American Medical Association. He is the editor of the Clinical Trials section of Retina Times, a bimonthly publication read by nearly every retinal specialist in the United States and in 63 other countries. He is well known as a key opinion leader in his field and is an engaging speaker at national and international conferences. He has authored more than 70 scientific papers. An avid marathoner, Dr. Shah enjoys coaching his kids’ soccer teams and cycling with his family.Jayanth Sridhar, MD is the creator and host of the most popular and most listened-to podcast in the field of ophthalmology, Straight from the Cutter’s Mouth: A Retina Podcast. He has appeared as a correspondent on CNN, and he also serves as section editor for the American Academy of Ophthalmology’s Online News and Education Network. He is a highly sought-after speaker at medical meetings throughout the United States and has earned several honors, including the Secretariat Award from the American Academy of Ophthalmology, the Senior Honor Award from the American Society of Retina Specialists, and the “Best Cool Idea” educational award from the Innovations in Medical Education conference for his podcast. He is a retina surgeon and an associate professor at the top-ranked Bascom Palmer Eye Institute in Miami, Florida, and has authored more than 125 scientific papers. In his spare time, he enjoys traveling with his wife and is an avid basketball fan.

• Dedication Acknowledgments About the Authors Foreword by Mel Lindauer, CFS, WMS Introduction Chapter 1 Why Financial Planning Matters Chapter 2 Jobs and Contracts Chapter 3 Initial Steps Post­Training Chapter 4 Defense Part 1: Disability, Health, and Malpractice Insurance Chapter 5 Student Loans and Retiring Debt Chapter 6 Tax-Advantaged Investing Chapter 7 Taxable Investing Chapter 8 Diversification and Asset Allocation Chapter 9 Defense Part 2: Life, Homeowners, and Umbrella Insurance Chapter 10 Financial Advisors Chapter 11 Estate Planning Chapter 12 Have I Won the Game? Chapter 13 Retirement Distributions Chapter 14 Pitfalls to Avoid Epilogue Appendix A Checklist Appendix B Resources Index

"The best physician-specific general financial book published in 2021."—James M. Dahle, MD, author of The White Coat Investor“Doctors often have too little of one (time) and more than enough of the other (money), and that makes them prime targets for get-rich schemes, so keep your antennas up when the “sharks” come calling. The information contained in this book constitutes great shark protection. So dive right in!” – Mel Lindauer, Founder and President (2010-2019) of The John C. Bogle Center for Financial Literacy, Co-author of The Bogleheads’ Guide to Investing and The Bogleheads’ Guide to Retirement Planning