Miss Bonnie MD

financial independence | wanderlust | epicure

Roth, Roth, Roth

There is a lot of confusion about Roths - Roth IRAs, Roth conversions, Roth 403(b)s and Roth 401(k)s. They are all different but share a common theme - tax-free growth and tax-free income on withdrawals. Who is this Roth person anyway??... Continue Reading →


Rethinking emergency funds

Go on any major finance forum or site and the old adage is to stash 3-6 months of expenses towards an "emergency fund" before investing and saving for other purposes. Let's define emergency fund first. Well, that's the problem right... Continue Reading →

“I promise to always keep our net worth positive …”

Apologies for the hiatus. I was in Hawaii for CME and play. I also got engaged! The above quote is what Matt said to me (after he promised some other important things like love and happiness). There are 3 major things... Continue Reading →

I started a 529 account and I do not have a child

A great thing to do if you know you want kid(s) and are able to is to start funding their college account now. Why? The cost of college tuition has been outpacing inflation at an astronomical rate. I started college in... Continue Reading →

How I invested my money in 2016

First, a bit of (short) investing history. I invested $1,000 into a Roth IRA during my third year of residency (2015). This account is at Vanguard and I initially invested all of it in their 2045 Target Retirement Fund. I had... Continue Reading →

Miss Bonnie MD’s library

Here are some books that got me on my way to financial independence and more.  This page will be updated as I read more. Almost all of the books are also available as an audiobook as well. The first book I... Continue Reading →

2016 Wrap-up

I am 1.33 years out of residency. Using White Coat Investor's net worth formula, I ended 2016 not up to par: Expected Net Worth of a Doctor (ENWD) = Average Post-Residency Income X Years Since Training X 0.25 = + $93,100 or... Continue Reading →

Miss Bonnie MD’s Money History

I was born in Seoul, South Korea and my family moved to the U.S. when I was 2 years old. My family never made much money - I guess a typical middle class income for a family of 4.  I... Continue Reading →

Butternut squash risotto with Israeli Couscous

So, I have a butternut squash. I was going to make soup. Which was especially enticing since it doesn't requiring spending too much time cutting up the squash, which I find tedious (and somewhat dangerous). Then I felt like making... Continue Reading →

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