iiinova — where your digital self keeps evolving

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

We lose track of our friends. And the work we do is often dehumanizing. It can get better. It must.

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.

100

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?

000

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

For most of my clients, their largest yearly expense is saving for retirement. Imagine how much less you could work if you didn;t have this expense? What would you do with that extra time? Can you even imagine? Learn more about COast fire and other physician finance topics here…

greeleywealth.com

Greeley Wealth Management

Greeley Wealth Management Email Forms

000

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

This is where Coast FIRE comes in. It takes some upfront loading of your savings and retirement accounts. But sooner than you think, you reach a point where your capital is doing the heavy lifting. And you get the benefit of backing off at work. You can stop saving for retirement! And coast

100

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

Coast FIRE makes sense for physicians. You trained for years. You enjoy your work. And you don’t want to full on retire at 45 or 50. You also don’t want to work this hard and take this much call forever.

100

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

“You mean I can work part-time?” “Or I can give away my overnight call shifts?” Brains melting left and right!

100

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?”

100

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

This made me grateful for being an anesthesiologist in a mid-sized (and rapidly growing) group. Where I can sell my call to partners. And we all walk away better. I can rest and spend time with my family. And my colleagues earn extra money to pay down their student loans.

000

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.

100

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

Salary or base pay matter. Benefits matter. Who you work with matters. But more than any of these, is flexibility. Life comes at you fast. If you don’t stop and look around once in a while, you could miss it - Ferris Bueller The ability to navigate your days and weeks IS your life.

100

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

Can you trade your schedule when your kid makes the state cross country finals? Or take a day off when it snows 12” at your local mountain? Or trade a few days to make a close friend's wedding?

100

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.

100

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

Suboptimal for all the different ways life changes over the course of a year. I get that requesting a day off for next week might be a struggle. But what about planning a quarter ahead?

000

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.

100

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

I hate debt and want to pay off my mortgage fast. I’m on a 15 year mortgage. And… I know plenty of smart, intelligent and intentional people I respect who are carrying a 30 year mortgage. Is one of us right? Not at all. We are both comfortable with our decisions and the impact on our lives.

000

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

How much do you value flexibility? How much do you value paying off debt? There is not a right or wrong answer here. It takes intention to determine what you value and how that plays out in your life.

100

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

Let’s say you paid the difference ($1K) every single month towards your 30 year mortgage. You would pay off the loan in roughly the same time - 16.5 years. With interest totaling ~ $285K. Now we have something to work with.

100

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

Your payment jumps to $4K, but now your interest payment is closer to $2K. With $1800 going towards principal. Your total interest is ~ $210K Here’s where it is interesting.

100

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

Let’s say you have a $500k mortgage at 6% for 30 years, Your monthly payment is $3K. Of that, interest is $2500! Only $500 is going towards principal. With total interest of about $580K! What about a 15 year mortgage? Your rate will drop. Let’s say it’s 5%

100

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

But, you almost always pay more interest with a 30 year mortgage, even if you make additional payments. Here’s why

100

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.

100

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

As a physician you can afford either option. The Important point is to know what you’re buying.

000

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

A 15 year mortgage is a great choice if you want to pay the least amount of interest and don’t mind being locked into a higher payment. A 30 year mortgage makes sense if you value cash flow flexibility.

100

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.

100

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

Is the hassle worth it for a 0.5% interest rate reduction? Likely not. But for 1% or more, you are likely to save significantly over a longer time horizon.

000

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

Here (www.calculator.net/refinance-ca...) is a great calculator that makes it easy to compare and figure out your break even point with costs and fees.

100

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

What is your current mortgage rate? What rate would you qualify for? What are the closing costs with the new mortgage? How long are you planning to hold the new mortgage?

100

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:

100

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

Think of understanding cash flow as ordering diagnostic tests. An EKG, or a full set of labs. Until you understand where you are starting, how can you possibly make an accurate diagnosis? There are many great ways to track your money. You Need a Budget. Or Monarch Money

001

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

Many physicians come to me with no idea what money is coming in. And they definitely do NOT want to see what money is going out. Building wealth starts with cash flow

100

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.

100

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

What if saving felt easier? I know it can be when you have a deeply personal *why* for saving. What if your entire financial life felt this way? Effortless. Let’s go on this adventure together. If you’d like to learn more, read my weekly newsletter here.

greeleywealth.com

Greeley Wealth Management

Greeley Wealth Management Email Forms

000

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

Here (openheartproject.com/getting-stuf...) is an example. By changing her mindset, the author accomplished her most valuable activities. But in a way that was light and fun, instead of effortful and heavy. Doesn’t this feel so much better? I know it does for me.

openheartproject.com

Getting Stuff Done By Not Being Mean to Yourself - The Open Heart Project

I’ve spent a lot of time in my life trying to force myself to do things. Really good things. Things that are important to me. Things like meditating, journaling, going... READ MORE

100

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.

100

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

Does your spending match this? Or are you wasting money on Amazon on items you don’t remember and threw away the next week? We don’t have to get this right 100% of the time. Part of your monthly meeting, you can review spending and ask if it aligns with your values. Super powerful stuff.

000

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

Be intentional with your spending. Money is a tool to create a full and abundant life. What that life looks life is different for each of us. But in order to create that abundant life, you need to understand what brings you joy, or what moments light you up.

100

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

What’s your why? I’ve found when couples have a strong “why” helps accelerate building wealth and creating an abundant financial life. This strong foundation makes saving feel like you are working towards something, rather than a daily sacrifice.

110

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

Then have a monthly money meeting. Make this fun. Go to dinner or something you both enjoy. What is working? Where do you feel you are struggling? What are you building towards?

100

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

Here’s what I’ve found helps physician families. Track expenses. This doesn’t have to be “budgeting.” Just track. In order to pay off student loans, or save for your first house, and begging to save for retirement, you MUST understand where you are starting from.

100

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

100

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

Now ask yourself, are these stories true? Sign up here to learn more about money and mindset…

greeleywealth.com

Greeley Wealth Management

Greeley Wealth Management Email Forms

000

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

Here’s the more challenging question. What (limiting) stories are you telling yourself that keep you stuck? Think about what just came up for you. Don’t filter. Write these stories down. www.greeleywealth.com/newsletter

100

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

Now is the time to make this life a reality. Now is the time to practice gratitude in every moment. And be present. As a physician, you know that our lives can be derailed by illness and injury at any moment.

110

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

Who are you with? Family? Friends? Work colleagues? And what are you doing? How are you spending your time? Here’s the kicker…

100

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?

100

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

And it made me realize that this was a choice I was making. A mindset. Even with a toddler at home, and a full clinical practice, I can choose to live lightly. To choose fun and joy. Who wants to join me in joy?

000

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

What happened to that playful spirit? That said yes to new adventures. That plays in the mountains all the time. When did life get so heavy?

100

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

I hit over 100 days that year… Yes, as a 4th year med student! And I was on the Admissions Committee that year. This got me thinking…

100

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.

100