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Message History

This month marks nine years since I retired from practicing medicine.At age 54, even though my wife, an accountant, assured me we were financially ready for retirement, I wondered if we had enough passive income and retirement savings to meet our needs for the rest of our lives. I also wondered if I would miss surgery.

Today, I know the answer to those questions, an...


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One of the biggest complaints I hear when I discuss becoming debt free is the dread of living on a shoestring. We did enough of that in medical school and we don’t want to do it anymore. Let me make something perfectly clear right up front, you absolutely do not need to scrimp and sacrifice to get out of debt and live debt free. Simply continuing to use the things you already...


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I enjoy reading books for both education and entertainment. I learned a long time ago that leaders are readers, so I make it a point to constantly be reading a book or two at a time. I read 71 books this year not counting the duds I put down after only reading a chapter or two. With such a large annual reading list, people often ask me for book recommendations, which cuts dow...


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Burnout is very prevalent in the medical field. I have coached many physicians that feel burned-out. When I ask them what they think the cause is, 100% tell me it is due to something about their work. No one ever mentions their workaholic tendencies as being a contributing factor. Yet when we begin discussing the details, it becomes clear that many of them are workaholics.


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The year seems to fly by faster every time I write this letter. I hope you all had a good year.

Keith: Our youngest son is working for the power company, trimming the trees back from the power lines. He has always liked heights much more than the rest of us. In his climbing class, where they were trained in rescuing an unconscious coworker from high in a tree, he se...


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