Audiobooks are great. They let you listen to books on road trips and during your commute. Sometimes on Audible the book is even cheaper than the paperback version. However, one downside of an audiobook is that you can't see the images, graphs, tables, and diagrams that are in the print book. Another downside is that you can't click on the URL links like you can with the eBook or scan the URL QR codes like you can in the hard copy book.

In The White Coat Investor's Financial Boot Camp book, the visual information enhances the content. You will find below the tables, images, and diagrams referenced within the audiobook, the end-of-chapter “Additional Resources” URLs, and the text notes for all referenced outside sources. The Table of Contents links will help you easily navigate to the information you are looking for.

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Table of Contents

Tables, Images, and Diagrams

Step 1 – Disability Insurance

• Table 1 – Recommended Disability Insurance Riders

Step 2 – Life Insurance

• Image 1 – NPER Calculation

Step 7 – Retirement Accounts

• Table 2 – Federal Income Tax Brackets
• Diagram 1 – Why You Should Use a 401(k) During Your Peak Earning Years
• Table 3 – Retirement Accounts

Step 8 – Investing

• Table 4 – Years to Reach $3M on $250K Gross Income

Step 10 – Saving for College

• Image 2 – Future Value Calculation

 

Additional Resources

Step 1 – Disability Insurance

Step 2 – Life Insurance

Step 3 – Spending Plan

Step 4 – Student Loan Plan

Step 5 – Boosting Income

Step 6 – Housing Plan

Step 7 – Retirement Accounts

Step 8 – Investing

Step 9 – Correcting Past Mistakes

Step 10 – Saving for College

Step 11 – Estate Planning

Step 12 – Asset Protection

Notes

Introduction

Step 1 – Disability Insurance

Step 2 – Life Insurance

Step 3 – Spending Plan

Step 4 – Student Loan Plan

Step 5 – Boosting Income

Step 7 – Retirement Accounts

Step 8 – Investing

Step 9 – Correcting Past Mistakes

Step 10 – Saving for College

Step 11 – Estate Planning

Step 12 – Asset Protection

Tables, Images, and Diagrams

Step 1 – Disability Insurance

Step 2 – Life Insurance

Step 7 – Retirement Accounts

Step 8 – Investing

Step 10 – Saving for College

Additional Resources

Step 1 – Disability Insurance

For a wide scope of information on disability insurance and other important topics, visit the “Start Here” page.

Blog Posts:

Physician Disability Insurance

17 Physician Disability Insurance Mistakes

Disability Insurance for Military Physicians

Disability Insurance for Physician Couples

A Personal Look at Disability Insurance

Resources:

Recommended Independent Insurance Agents

Calculator for Estimating Personal Chance of Disability

American Medical Association Group Policy

American Academy of Family Practice Group Policy

American College of Physicians Group Policy

American Academy of Pediatrics Group Policy

American College of Emergency Physicians Group Policy

Step 2 – Life Insurance

For a wide scope of information on term life insurance and other important topics, visit the “Start Here” page.

Blog Posts:

How to Buy Life Insurance

Term Life Insurance Strategies for Physicians

Whole Life Insurance for Doctors – Your Questions Answered

12 Questions to Ask About Whole Life Insurance Policies

Debunking the Myths of Whole Life Insurance

How to Cancel Your Whole Life Insurance Policy

Resources:

Recommended Independent Insurance Agents

Term4Sale – Instant Quotes and Compulife Database Access

Insuring Income – Instant Quotes and Compulife Database Access

Step 3 – Spending Plan

For a wide scope of information on spending plans and other important topics, visit the“Start Here” page.

Blog Posts:

Doctors Need to Budget Too!

Budgets Are for Rookies

How Fast Can You Get Out of Debt

The Wrong Way to Think About Debt

Quit Buying Cars on Credit – 15 Reasons to Pay Cash

Loosening the Purse Strings

Stuff We Waited to Buy

Resources:

Kevin MD Article: A Financial Checklist for the Pregnant Woman Physician

Step 4 – Student Loan Plan

For a wide scope of information on student loan plans and other important topics, visit the “Start Here” page.

Blog Posts:

Student Loans 101: Ultimate Guide to Student Loans

Live Like a Resident

Public Service Loan Forgiveness (PSLF)

I Switched to REPAYE and I Like It

Resources:

Student Loan Refinancing Guide

Student Loan Advice

PSLF Certification Form

Federal Student Aid Article: Income-Driven Repayment Plans

Step 5 – Boosting Income

For a wide scope of information on boosting income and other important topics, visit the “Start Here” page.

Blog Posts:

Contract Negotiations – 10 Tips from the Trenches

Financial Advice for “Low Income” Doctors

Multiple Streams of Income

Resources:

Contract Review Services Recommendations

Physician Burnout Coaching

Passive Income MD

Step 6 – Housing Plan

For a wide scope of information on housing plans and other important topics, visit the “Start Here” page.

Blog Posts:

10 Reasons Why Residents Shouldn’t Buy a House

California Dreamin’ – Private School vs. Nicer House

10 Errors to Avoid When Refinancing a Mortgage

Resource:

Physician Mortgage Loans

Step 7 – Retirement Accounts

For a wide scope of information on retirement accounts and other important topics, visit the“Start Here” page.

Blog Posts:

How Much Do Doctors Make a Year After Taxes?

10 Reasons Why I Pay Less Tax Than Mitt Romney

How to Do a Backdoor Roth IRA [Ultimate Guide & Tutorial]

Health Savings Account: The Stealth IRA

The Best Health Savings Account

Multiple 401(k) Rules – What to Do with Multiple 401(k) Accounts

Early Retirees Should Max Out Retirement Accounts

59 ½ Rule – How to Get to Your Money Before “Retirement Age”

Resource:

Morningstar

Step 8 – Investing

For a wide scope of information on investing and other important topics, visit the “Start Here” page.

Course:

Fire Your Financial Advisor

Blog Posts:

Best Investment Portfolios – 150 Portfolios Better Than Yours

How to Learn About Mutual Funds

How to Be a DIY Investor

Calculate Compound Interest with the Future Value Formula

5 Steps to Help You Choose the Right Mutual Funds

My 2 Asset Allocation Pet Peeves

Rebalancing Your Investment Portfolio – Back to Basics

What to Do with a Crummy 401(k)

Investing in Real Estate vs. Stocks

Resource:

What You Need to Know About Financial Advisors

Step 9 – Correcting Past Mistakes

For a wide scope of information on correcting past mistakes and other important topics, visit the“Start Here” page.

Course:

Fire Your Financial Advisor

Blog Posts:

Whole Life Insurance for Doctors – Your Questions Answered

What You Need to Know About Annuities

How to Fire Your Financial Advisor

How to Be a DIY Investor

10 Ways to Know You Are Competent to DIY Your Investments

Avoid Being an Investment Collector

Tax-Deferred Retirement Accounts: A Gift from the Government

The Pros and Cons of Prenuptial Agreements

Resource:

What You Need to Know About Financial Advisors

Step 10 – Saving for College

For a wide scope of information on saving for college and other important topics, visit the “Start Here” page.

Blog Posts:

4 Pillars for High Income Families Paying for College

Best 529 Plans: Reviews, Ratings, and Rankings

3 Reasons Why You Can Take More Risk with a 529

How to Use Real Estate to Pay for College

Resources:

Saving for College Data: Ratings of 529 Plans for Both Residents and Non-Residents

The Utah 529 Plan

The New York 529 Plan

The Nevada (aka Vanguard) 529 Plan

Step 11 – Estate Planning

For a wide scope of information on estate planning and other important topics, visit the “Start Here” page.

Blog Posts:

What You Need to Know About Estate Planning

The Importance of Revocable Living Trusts

Living Trusts for Everyone – Book Review

You Don’t Have to Buy Life Insurance with Your Irrevocable Trust

Difference Between an Irrevocable and Revocable Trust

Charitable Trusts – CRATs, CRUTs, CLATs, CLUTs

Resources:

Estate Tax Exemption Limits by State

Estate Planning Attorney Recommendations

Step 12 – Asset Protection

For a wide scope of information on asset protection and other important topics, visit the “Start Here” page.

Book:

The White Coat Investor’s Guide to Asset Protection: How to Protect Your Life Savings from Frivolous Lawsuits and Runaway Judgments

Blog Post:

Asset Protection for Doctors

Portable Offshore Asset Protection Trusts

Asset Protection – Debunking the Myths

The Importance of Revocable Living Trusts

You Don't Have to Buy Life Insurance with Your Irrevocable Trust

Resource:

Asset Protection Strategists

Does Tenancy by the Entirety Apply to Your State?

Notes

Introduction

• Leslie Kane, “Medscape Physician Debt and Net Worth Report 2020,” Medscape, June 24, 2020.
• MeTV Staff, “Sgt. Joe Friday never actually said ‘Just the facts, ma’am’ on Dragnet,” MeTV, January 17, 2020.
• Don Banks, “The Worst Play Call in NFL History Will Continue to Haunt Seahawks in 2015,” Sports Illustrated, July 20, 2015.

Step 1 – Disability Insurance

• Lawrence B. Keller, “Individual Disability Insurance: Back to the Basics (and Beyond),” The White Coat Investor, October 2, 2019.
• Health Insurance Association of America, “Commissioners Disability Table, 1998,” The New York Times, February 2000.

 

Step 2 – Life Insurance

• Barry Popik, “Needing Insurance Is like Needing a Parachute. . .,” The Big Apple, June 7, 2017.

 

Step 3 – Spending Plan

• Peter Adeney, “Getting Rich: From Zero to Hero in One Blog Post,” Mr. Money Mustache, February 22, 2013.
• Henry David Thoreau, Walden: And on the Duty of Civil Disobedience (Cleveland: Duke Classics, 2012), chap. Economy, Kindle.
• Leslie Kane, “Medscape Physician Debt and Net Worth Report 2020,” Medscape, June 24, 2020.
• “The Majority of US Medical Students Are Women, New Data Shows,” December 9, 2019, AAMC.
• Linda Babcock, Sara Laschever, Michele Gelfand, and Deborah Small, “Nice Girls Don't Ask,” Harvard Business Review, October 2003.

 

Step 4 – Student Loan Plan

• J. Maarten Troost, “Top 7 Tips for Traveling Around the World,” Huffpost.com, August 23, 2013.
• Adam S. Minsky, “Scary Stats for Public Service Loan Forgiveness,” Boston Student Loan Lawyer, September 20, 2018.

 

Step 5 – Boosting Income

• Twenty One Pilots, “Stressed Out,” Track 1 on Blurryface, 2015, digital download.
• Tait D. Shanafelt, Omar Hasan, Lotte N. Dyrbye, Christine Sinsky, Daniel Satele, Jeff Sloan, Colin P. West, “Changes in Burnout and Satisfaction with Work-Life Balance in Physicians and the General US Working Population Between 2011 and 2014,” Mayo Clinic Proceedings 90, no. 12 (December 1, 2015): 1600–1613.

 

Step 7 – Retirement Accounts

• James Lange, Retire Secure: Pay Taxes Later: The Key to Making Your Money Last as Long as You Do (Hoboken: John Wiley & Sons, Inc., 2006), 7.

 

Step 8 – Investing

• Warren E. Buffett, “Berkshire Hathaway Letter to Shareholders,” February 25, 2017, 24.
• Morgan Housel (@morganhousel), “About once a year people forget that the market falls 10% about once a year,” Twitter, April 2, 2018 10:32 a.m.

 

Step 9 – Correcting Past Mistakes

• Phil DeMuth, The Affluent Investor: Financial Advice to Grow and Protect Your Wealth (Barron's Educational Series, 2013), 24 and 34.
• White Coat Investor, internal data from a White Coat Investor Facebook group poll “If you've bought whole life insurance, do you regret it?,” November 29, 2018.
• Cathy Ho, Nancy S. Muise, “US Individual Life Insurance Persistency: A Joint Study Sponsored by the Society of Actuaries and LIMRA,” 2012, 14.
• “Past Stupid Tax Calls – 25th Anniversary,” The Dave Ramsey Show, July 15, 2017.

 

Step 10 – Saving for College

• Attributed to Thomas Edison.

 

Step 11 – Estate Planning

• Jonathan Clements, How to Think About Money (CreateSpace Independent Publishing Platform, 2016), book description.

 

Step 12 – Asset Protection

• Julie Johnson, Like Gravity (Julie Johnson, 2014).
• Anupam B. Jena, Seth Seabury, Darius Lakdawalla, and Amitabh Chandra, “Malpractice Risk According to Physician Specialty,” New England Journal of Medicine, August 18, 2011.