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Posts by DatBuiOD

What Should I Do First? A Complete Guideline Step-By-Step

Personal finance is called personal for a reason; it is just as much a science as it is an art (similar to prescribing glasses). But seriously, this is probably one of the most difficult decisions that a lot of doctor investors will face and has starved me of sleep a lot – simply deciding which…

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5 Mistakes People Make with Insurance Planning

Editor’s Note: This is a guest post written by one of our sponsorship partners.  Aaron and Dat are extremely strict about guest requirements in that they must be educational and informative to our readers. Every guest post is vetted, read and upheld to the highest standards of ODsonFinance. Your trust is the most valuable factor…

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Annual Report: 2019

Dear ODs on Finance Members, We are excited to write our First Official Annual Report! As many of you know, Aaron and I started this small community of personal finance “enthusiasts” back in January 2018, over a couple of beers after a long day of clinic. We were frustrated with the lack of financial education…

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The Optometrist’s Guide to Student Loans: Refinance (Part 4)

How do I Refinance into Private Loans? This might be one of the most hotly debated topics among optometrists mainly because it is a ONE-time decision. Once you decide to refinance your federal loans with a private lender, you unfortunately cannot go back. You will lose all the perks of federal programs like flexible repayment…

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The Optometrist’s Guide to Student Loan: Loan Forgiveness (Part 3)

3) Loan Forgiveness programs There are there main ways where an optometrist can get their loans fully forgiven: (a) Public-Service Loan Forgiveness (PSLF) 10 years (b) Total Loan Forgiveness (IBR) 25 years (c) Total Loan Forgiveness (PAYE/REPAYE) 20 years (a) Public-Service Loan Forgiveness (PSLF) 10 years: Started in 10/2007, doctors that work for non-profit organization…

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The Optometrist’s Guide to Student Loans: Federal Program (Part 2)

If you are not pursuing any loan forgiveness programs or not eligible for tuition reimbursement programs, then the only option is to simply to pay off all your student loans. This can be accomplished on your own either via a federal repayment program, or the more intelligent route, which is refinancing into private loans to…

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Long-Term Disability Insurance Guide for the Optometrist

Optometrists with an average salary of $120,000 will make approximately $10 million dollars over their working career when factoring in raises and inflation. It took you 8-10 years of schooling to get to where your career is, in addition you probably took over $200,000 worth of student loans to invest in your future. Therefore, with…

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2019-2020 Comparison Retirement & IRS Limits

The year 2020 is just around the corner, which means it’s time for updates on limits to tax advantage retirement account and other important accounts from the IRS. Here is a complete list of all retirement account and other IRS limits for the year 2020: Highlights for 2020: 401(k), 403(b) & Thrift Savings Plans -…

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The Optometrist’s Guide to Life Insurance

Life insurance is one of those situations that no one wants to address or even think about, because frankly, it is quite morbid. If you are single and have nobody that depends on your income (ex: Elderly parents, spouse or children), then to be honest, you don’t really need life insurance. For the mass majority…

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