iiinova — where your digital self keeps evolving

Cobin Soelberg, M.D., J.D. @greeleywealth.bsky.social · 01/08/2026

How many times must we watch our residents and trainees suffer and die before we act? Please check-in with your residents. Don’t accept “fine” as an answer. Residency is an isolating time. Our sleep is poor. We take awful care of our health.

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Cobin Soelberg, M.D., J.D. @greeleywealth.bsky.social · 31/07/2026

Do financially independent physicians need Long Term Care Insurance? Everything I read and learn tells me no. Why spend (a lot) of money on premiums with a limited benefit? It seems if you are FI then you can afford to self-insure against this risk. What am I missing?

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Cobin Soelberg, M.D., J.D. @greeleywealth.bsky.social · 31/07/2026

One of my favorite finance topics with my colleagues is Coast FIRE. I can see the light click on in their heads. And then their brains melt a little bit. “You mean I don’t have to work this hard till I’m 60 or 65?”

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Cobin Soelberg, M.D., J.D. @greeleywealth.bsky.social · 30/07/2026

I was talking to a surgical colleague this morning in the physician’s lounge. She wanted to work part-time or at the very least, stop taking overnight call. And she was running into all sorts of roadblocks. So much so, the path forward may be to leave medicine altogether.

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Cobin Soelberg, M.D., J.D. @greeleywealth.bsky.social · 30/07/2026

For all of the anesthesia residents and fellows applying for jobs, here is the first thing you want to look for in any employer. Are you ready? It’s not compensation. Yes, this is important but not #1. It’s flexibility.

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Cobin Soelberg, M.D., J.D. @greeleywealth.bsky.social · 29/07/2026

For all the physicians out there, how do you pick vacation or time off? I’ve seen a few different examples. Currently, we pick our entire allotment for the upcoming year in August or September.

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Cobin Soelberg, M.D., J.D. @greeleywealth.bsky.social · 28/07/2026

Many fintwit folks prefer a 30 year mortgage for the increased cash flow flexibility. And then claim they can always make *extra* payments to pay off the mortgage faster. I totally understand how you could value the flexibility.

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Cobin Soelberg, M.D., J.D. @greeleywealth.bsky.social · 28/07/2026

Is a 15 year mortgage always the best choice for you? Or should you pick the 30 year mortgage to have more cash flow flexibility? As with so many things in finance, the choice is *personal* and depends on what you value.

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Cobin Soelberg, M.D., J.D. @greeleywealth.bsky.social · 28/07/2026

I know many physicians who bought homes over the last year or two. All are anxious to refinance their mortgage and get a lower rate. Yes, rates are *slowly* dropping and it may be time to consider Here are a few considerations:

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Cobin Soelberg, M.D., J.D. @greeleywealth.bsky.social · 27/07/2026

Doctors do not need to budget. This may be selection bias with my clients. And… there still is value in tracking your cash flow.

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Cobin Soelberg, M.D., J.D. @greeleywealth.bsky.social · 25/07/2026

Does our struggle all come down to mindset? What if we saw everything that happened simply as *life*? I know this is not an easy question to answer. But it keeps coming up for me. In many different forms. Podcasts that come my way. An article or Substack post.

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Cobin Soelberg, M.D., J.D. @greeleywealth.bsky.social · 25/07/2026

Many clients reach out during periods of life change. Graduating residency. Changing attending jobs. Getting married. Money - of course - touches all parts of our life. Marriage requires us to figure out our money story AND our partner’s

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Cobin Soelberg, M.D., J.D. @greeleywealth.bsky.social · 24/07/2026

What does your ideal life look like? Or to make it more concrete, what’s your ideal day look like? Where are you? In the mountains, or near water? Or exploring in a big city?

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Cobin Soelberg, M.D., J.D. @greeleywealth.bsky.social · 23/07/2026

I often talk about skiing with patients. We live in Bend and have a solid mountain here. She said the dream is to ski 100 days a season. And it brought me back to my 4th year of med school. My home resort - Alta - got 702” of snow.

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Cobin Soelberg, M.D., J.D. @greeleywealth.bsky.social · 23/07/2026

Do any doctors truly love working 60-80 hours/week? I know plenty who think you *have* to work this much to be a *good* doctor. Who sold us this nonsense? And why do we believe it?

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Cobin Soelberg, M.D., J.D. @greeleywealth.bsky.social · 23/07/2026

Would you like to feel better about your money decisions? Or worry less about your money, knowing you are making the best decisions for your future AND still enjoying today? Almost every single person I work with wants to feel more confident about their money choices.

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Cobin Soelberg, M.D., J.D. @greeleywealth.bsky.social · 22/07/2026

Did you know your chance of having a partial or permanent disability during your working years is 25%? Your chance of having some interruption to your career due to disability is higher than your chance of dying too young. Are you appropriately insured? Is your income protected?

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Cobin Soelberg, M.D., J.D. @greeleywealth.bsky.social · 21/07/2026

How many docs out there are working part time? Are you in private practice? Or academics? What specialty?

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Cobin Soelberg, M.D., J.D. @greeleywealth.bsky.social · 21/07/2026

When was the last time you got to say no? To a patient, or a hospital administrator? Or your residency director? Yeah, I know it's been a while. We will learn to flex this muscle together.

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Cobin Soelberg, M.D., J.D. @greeleywealth.bsky.social · 21/07/2026

I’ve been out of residency for twelve years. The most common refrain from this training cohort (10-15 years out of residency) is boredom.

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Cobin Soelberg, M.D., J.D. @greeleywealth.bsky.social · 20/07/2026

One of the best parts of my job working with physicians is telling them I See and understand you. And together we will get to the other side.

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Cobin Soelberg, M.D., J.D. @greeleywealth.bsky.social · 18/07/2026

People often ask who I do my best work with. My people are the doctors who studied and trained for years to become the incredible physicians they are. But more specifically, my folks are the anesthesiologists and the ED docs. You have unique planning challenges and needs.

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Cobin Soelberg, M.D., J.D. @greeleywealth.bsky.social · 18/07/2026

Who taught you about money? Did you listen? My family didn’t have much money growing up. But my dad always told me to pay myself first. Just 10%. No lessons on investing or ownership. But it was a start.

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Cobin Soelberg, M.D., J.D. @greeleywealth.bsky.social · 18/07/2026

I used to think I had to “retire” from medicine to live my best life. To have time for my family. Or a long mountain bike ride. To read voraciously and write daily. But I had two insightful conversations this past month with close friends.

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Cobin Soelberg, M.D., J.D. @greeleywealth.bsky.social · 17/07/2026

I had no idea what a crazy world navigating nannies, Au Pairs, and childcare in general was before having a child. Yes, great childcare is expensive AND, as a society, caregivers are wildly underpaid and undervalued.

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Cobin Soelberg, M.D., J.D. @greeleywealth.bsky.social · 16/07/2026

If you asked me when I graduated if PSLF was going to fail, I would have said absolutely. This worked against me as I had a 501(c)(3) job lined up and would’ve qualified.

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Cobin Soelberg, M.D., J.D. @greeleywealth.bsky.social · 16/07/2026

A common question for my planning business is, “How are you going to manage my investments?” Usually followed by, “How are you going to beat the market?” Investing is the easy part. We know what works. A diversified portfolio of low-cost ETFs and Index Funds.

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Cobin Soelberg, M.D., J.D. @greeleywealth.bsky.social · 15/07/2026

It’s easy to add more. More investments. More complications. More houses. More cars. Simple is not easy. Simple is stripping away all the parts that are not necessary.

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Cobin Soelberg, M.D., J.D. @greeleywealth.bsky.social · 15/07/2026

It seems like many people pushing passive income on doctors are making most of their income from selling courses. This drives me NUTS! Real estate is NOT passive!

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Cobin Soelberg, M.D., J.D. @greeleywealth.bsky.social · 14/07/2026

While I have an enormous stack of books next to my bed in the “To Read” pile, I want some new recommendations. What is the best fiction you’ve read recently? Or even over the last few years? What about the book resonated?

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Cobin Soelberg, M.D., J.D. @greeleywealth.bsky.social · 14/07/2026

What is the number one hurdle physician’s face in building wealth? Debt. And most commonly, student loan debt. You start with a negative net worth and have to shovel fast to fill in that huge hole.

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Cobin Soelberg, M.D., J.D. @greeleywealth.bsky.social · 14/07/2026

I just finished an intense five-day, forty-eight hour NOLS Wilderness First Responder training. We had a blast! It was incredible to learn how to use our clinical skill set in remote and austere environments.

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Cobin Soelberg, M.D., J.D. @greeleywealth.bsky.social · 13/07/2026

In my work with physician clients, one of the first topics is accountability. No, not accounting, or budgeting. Accountability. As in, take complete and total responsibility for your current financial state.

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Cobin Soelberg, M.D., J.D. @greeleywealth.bsky.social · 11/07/2026

The majority of physicians will be well served with a great own-occupation disability policy and a term life insurance policy.

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Cobin Soelberg, M.D., J.D. @greeleywealth.bsky.social · 10/07/2026

How many doctors are turned off to financial “professionals” trying to sell them unnecessary and wildly expensive whole life insurance policies? Do you know how many doctors absolutely need great financial advice from someone who understands their life and what their pain points are?

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Cobin Soelberg, M.D., J.D. @greeleywealth.bsky.social · 10/07/2026

Do you ever start telling an OR story to your non-medical friends and then notice the look of shock and horror on their faces? Our jobs are gross - we get blood and piss and poop on us.

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Cobin Soelberg, M.D., J.D. @greeleywealth.bsky.social · 09/07/2026

Just finished hours worth of hospital required computer based learning. I opened the course on four!!! computers at once. I clicked through every page. And this still took several hours.

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Cobin Soelberg, M.D., J.D. @greeleywealth.bsky.social · 09/07/2026

This is a shameless plug for my anesthesia private practice group. If you love playing outside in the mountains, lakes and rivers. Or enjoy some world class fly-fishing. And working with some incredible and world-class anesthesiologists.

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Cobin Soelberg, M.D., J.D. @greeleywealth.bsky.social · 09/07/2026

We are all playing status games whether we want to or not. Being a physician. Where you went to school. Where you went trained for residency or fellowship. Whether you work in academics or private practice.

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Cobin Soelberg, M.D., J.D. @greeleywealth.bsky.social · 08/07/2026

I’ve been doing a lot of work on identity and self. Who are you? Who am I? We all have many roles - doctor, father and mother, sons and daughters, husband and wife, friend. We could name many more.

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Cobin Soelberg, M.D., J.D. @greeleywealth.bsky.social · 08/07/2026

Your relationship with your spouse or partner. Your relationship with your kids. Your health. Your values. NONE of these are money problems. None of them can be fixed with more money. And yet, I see docs trying to work harder, make more money, and save more. As if MORE money is the answer.

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Cobin Soelberg, M.D., J.D. @greeleywealth.bsky.social · 07/07/2026

You say your family is your highest priority. Or working out. Or spending time with your friends. And yet… Here you are working eighty hours a week. Taking extra call. Working extra weekends. Do you see the disconnect?

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Cobin Soelberg, M.D., J.D. @greeleywealth.bsky.social · 07/07/2026

Most people are not getting the maximum benefits from their HSA. Especially doctors. For doctors, an HSA is a stealth retirement account. Here’s why

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Cobin Soelberg, M.D., J.D. @greeleywealth.bsky.social · 06/07/2026

I used to think that once I was an attending my money stress would stop. But it didn’t. Then I thought that once our student loans were paid off my money worries would be gone.

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Cobin Soelberg, M.D., J.D. @greeleywealth.bsky.social · 04/07/2026

Do you remember the latest financial drama? Or all the talk about interest rates? OR how about the last time the market dropped 2%? That we are headed for a recession?

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Cobin Soelberg, M.D., J.D. @greeleywealth.bsky.social · 04/07/2026

You can choose to focus on money. Saving more. Investing more. Making your number your end goal. I know plenty of doctors who focus only on the money. Or you decide that money is simply a tool. A necessary and important tool to live a fulfilling life.

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Cobin Soelberg, M.D., J.D. @greeleywealth.bsky.social · 03/07/2026

The best time to plant a tree was twenty years ago. The second best time is today. How do you even get started tackling your personal finances? There are stacks of student loan paperwork for years or decades of borrowing.

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Cobin Soelberg, M.D., J.D. @greeleywealth.bsky.social · 03/07/2026

Explain to me why I should pay for the COLA rider on my disability insurance. It’s an expensive rider. The increase doesn’t kick in until you have a disability claim. Maybe COLA makes sense early in your medical career. Consider dropping it as you get mid-career or later.

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Cobin Soelberg, M.D., J.D. @greeleywealth.bsky.social · 02/07/2026

I read a Medscape survey asking what would help make physician work better. The #1 answer was more money. Do you think that’s really true?

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Cobin Soelberg, M.D., J.D. @greeleywealth.bsky.social · 02/07/2026

When I take on a new client, most of our discussions revolve around values. Not money. Or even goals. But values. Why? When big decisions come up or life knocks you around, we already know the answer.

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