Cobin Soelberg, M.D., J.D.
@greeleywealth.bsky.social
Anesthesiologist and financial planner | Lover of the outdoors | I help busy anesthesiologists build wealth and make work optional.
www.greeleywealth.com
www.greeleywealth.com
Cash balance plans sound great on paper—big tax advantages and a tidy little nest egg, right?
But let’s get real. For many, these plans can tie up money for longer than you'd like, with less payoff than expected.
Our last experience? It left us reeling.
But let’s get real. For many, these plans can tie up money for longer than you'd like, with less payoff than expected.
Our last experience? It left us reeling.
January 10, 2026 at 9:32 PM
Cash balance plans sound great on paper—big tax advantages and a tidy little nest egg, right?
But let’s get real. For many, these plans can tie up money for longer than you'd like, with less payoff than expected.
Our last experience? It left us reeling.
But let’s get real. For many, these plans can tie up money for longer than you'd like, with less payoff than expected.
Our last experience? It left us reeling.
Once your financial foundation is secure, life’s deeper questions come into focus.
For many physicians, purpose and meaning are the keys to thriving—not just surviving.
How do you nurture that purpose? Through connections, health, community, and the things that make you feel alive.
For many physicians, purpose and meaning are the keys to thriving—not just surviving.
How do you nurture that purpose? Through connections, health, community, and the things that make you feel alive.
January 10, 2026 at 1:11 AM
Once your financial foundation is secure, life’s deeper questions come into focus.
For many physicians, purpose and meaning are the keys to thriving—not just surviving.
How do you nurture that purpose? Through connections, health, community, and the things that make you feel alive.
For many physicians, purpose and meaning are the keys to thriving—not just surviving.
How do you nurture that purpose? Through connections, health, community, and the things that make you feel alive.
I read one of the more compelling quotes about fear.
When you hear the voice of fear, go the opposite direction.
You’ll live a big life.
From Yes, Yes, Hell No by @WhettenBrian
When you hear the voice of fear, go the opposite direction.
You’ll live a big life.
From Yes, Yes, Hell No by @WhettenBrian
January 9, 2026 at 5:37 PM
I read one of the more compelling quotes about fear.
When you hear the voice of fear, go the opposite direction.
You’ll live a big life.
From Yes, Yes, Hell No by @WhettenBrian
When you hear the voice of fear, go the opposite direction.
You’ll live a big life.
From Yes, Yes, Hell No by @WhettenBrian
Give me your best recommendations for OR music. I need to update my playlist.
I’m a big fan of Stevie Wonder, especially as a pick-me-up after lunch.
A friend recommended the Marcus King Band, which I’ve been enjoying.
Same with Charles Bradley.
What else ya got for me?
I’m a big fan of Stevie Wonder, especially as a pick-me-up after lunch.
A friend recommended the Marcus King Band, which I’ve been enjoying.
Same with Charles Bradley.
What else ya got for me?
January 8, 2026 at 11:59 PM
Give me your best recommendations for OR music. I need to update my playlist.
I’m a big fan of Stevie Wonder, especially as a pick-me-up after lunch.
A friend recommended the Marcus King Band, which I’ve been enjoying.
Same with Charles Bradley.
What else ya got for me?
I’m a big fan of Stevie Wonder, especially as a pick-me-up after lunch.
A friend recommended the Marcus King Band, which I’ve been enjoying.
Same with Charles Bradley.
What else ya got for me?
Paying off med school loans is hard enough without the constant drama of PSLF and SAVE lawsuits.
Borrowers need stability, not confusion, to plan for their families and futures.
Borrowers need a system that works for them—not against them.
Borrowers need stability, not confusion, to plan for their families and futures.
Borrowers need a system that works for them—not against them.
January 8, 2026 at 6:23 PM
Paying off med school loans is hard enough without the constant drama of PSLF and SAVE lawsuits.
Borrowers need stability, not confusion, to plan for their families and futures.
Borrowers need a system that works for them—not against them.
Borrowers need stability, not confusion, to plan for their families and futures.
Borrowers need a system that works for them—not against them.
I’m lucky that OR call is a rare exception for me these days.
I'm grateful for the decisions we made years ago—decisions that have given me the freedom to prioritize family while still building a fulfilling career.
I'm grateful for the decisions we made years ago—decisions that have given me the freedom to prioritize family while still building a fulfilling career.
January 8, 2026 at 12:40 AM
I’m lucky that OR call is a rare exception for me these days.
I'm grateful for the decisions we made years ago—decisions that have given me the freedom to prioritize family while still building a fulfilling career.
I'm grateful for the decisions we made years ago—decisions that have given me the freedom to prioritize family while still building a fulfilling career.
Understanding “enough” is one of the hardest—and yet, most important—concepts in financial planning.
Let’s try a quick thought experiment:
What would it take to cover just your basic expenses? Think about your mortgage, utilities, and student loans.
That’s what enough looks like.
Let’s try a quick thought experiment:
What would it take to cover just your basic expenses? Think about your mortgage, utilities, and student loans.
That’s what enough looks like.
January 7, 2026 at 6:03 PM
Understanding “enough” is one of the hardest—and yet, most important—concepts in financial planning.
Let’s try a quick thought experiment:
What would it take to cover just your basic expenses? Think about your mortgage, utilities, and student loans.
That’s what enough looks like.
Let’s try a quick thought experiment:
What would it take to cover just your basic expenses? Think about your mortgage, utilities, and student loans.
That’s what enough looks like.
I read Brian Whetten’s book, Yes, Yes, Hell No!
His decision-making framework really stuck with me.
The first yes comes from your intuition—that gut feeling telling you what’s right.
The second yes comes from your rational brain—the part that ensures your decision makes sense.
And the hell no?
His decision-making framework really stuck with me.
The first yes comes from your intuition—that gut feeling telling you what’s right.
The second yes comes from your rational brain—the part that ensures your decision makes sense.
And the hell no?
January 7, 2026 at 2:44 AM
I read Brian Whetten’s book, Yes, Yes, Hell No!
His decision-making framework really stuck with me.
The first yes comes from your intuition—that gut feeling telling you what’s right.
The second yes comes from your rational brain—the part that ensures your decision makes sense.
And the hell no?
His decision-making framework really stuck with me.
The first yes comes from your intuition—that gut feeling telling you what’s right.
The second yes comes from your rational brain—the part that ensures your decision makes sense.
And the hell no?
As an anesthesiologist, you face a unique challenge: your income often depends on “squeezing the bag.”
In other words, if you’re not actively working, you’re not getting paid.
Sure, there are exceptions for those employed by hospitals, but for many, this reality creates a critical question:
In other words, if you’re not actively working, you’re not getting paid.
Sure, there are exceptions for those employed by hospitals, but for many, this reality creates a critical question:
January 6, 2026 at 7:27 PM
As an anesthesiologist, you face a unique challenge: your income often depends on “squeezing the bag.”
In other words, if you’re not actively working, you’re not getting paid.
Sure, there are exceptions for those employed by hospitals, but for many, this reality creates a critical question:
In other words, if you’re not actively working, you’re not getting paid.
Sure, there are exceptions for those employed by hospitals, but for many, this reality creates a critical question:
For many doctors, it’s the fear of a lawsuit or an unexpected injury that halts their ability to work.
And here’s the kicker: most are underinsured for those exact risks.
Here are 7 types of insurance that are must-haves to protect your career and your loved ones.
Have you checked them all off?
And here’s the kicker: most are underinsured for those exact risks.
Here are 7 types of insurance that are must-haves to protect your career and your loved ones.
Have you checked them all off?
January 6, 2026 at 1:56 AM
For many doctors, it’s the fear of a lawsuit or an unexpected injury that halts their ability to work.
And here’s the kicker: most are underinsured for those exact risks.
Here are 7 types of insurance that are must-haves to protect your career and your loved ones.
Have you checked them all off?
And here’s the kicker: most are underinsured for those exact risks.
Here are 7 types of insurance that are must-haves to protect your career and your loved ones.
Have you checked them all off?
Many physicians lack meaning in their lives.
So we try to outhustle and outwork to create purpose.
But purpose without meaning has no direction.
It’s no wonder we have a burnout crisis in medicine.
What is the path forward?
So we try to outhustle and outwork to create purpose.
But purpose without meaning has no direction.
It’s no wonder we have a burnout crisis in medicine.
What is the path forward?
January 5, 2026 at 5:31 PM
Many physicians lack meaning in their lives.
So we try to outhustle and outwork to create purpose.
But purpose without meaning has no direction.
It’s no wonder we have a burnout crisis in medicine.
What is the path forward?
So we try to outhustle and outwork to create purpose.
But purpose without meaning has no direction.
It’s no wonder we have a burnout crisis in medicine.
What is the path forward?
Now that the holiday lights are packed away, what stands out most from your celebrations?
For me, it wasn’t the excess—the gifts, treats, over-the-top moments. What stuck with me were the simpler things: baking cookies, cutting down our Christmas tree, sharing traditions to brought family together.
For me, it wasn’t the excess—the gifts, treats, over-the-top moments. What stuck with me were the simpler things: baking cookies, cutting down our Christmas tree, sharing traditions to brought family together.
January 3, 2026 at 9:32 PM
Now that the holiday lights are packed away, what stands out most from your celebrations?
For me, it wasn’t the excess—the gifts, treats, over-the-top moments. What stuck with me were the simpler things: baking cookies, cutting down our Christmas tree, sharing traditions to brought family together.
For me, it wasn’t the excess—the gifts, treats, over-the-top moments. What stuck with me were the simpler things: baking cookies, cutting down our Christmas tree, sharing traditions to brought family together.
𝗞𝗻𝗼𝗰𝗸 𝗢𝘂𝘁 𝗬𝗼𝘂𝗿 𝟮𝟬𝟮𝟲 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗚𝗼𝗮𝗹𝘀 𝗘𝗮𝗿𝗹𝘆. Physicians have enough to worry about without adding finances to the list.
The start of a new year is the perfect time to work on your financial to-do list. Funding your ROTH IRA, HSA, and even 529 contributions now means one less thing to worry about.
The start of a new year is the perfect time to work on your financial to-do list. Funding your ROTH IRA, HSA, and even 529 contributions now means one less thing to worry about.
January 2, 2026 at 11:42 PM
𝗞𝗻𝗼𝗰𝗸 𝗢𝘂𝘁 𝗬𝗼𝘂𝗿 𝟮𝟬𝟮𝟲 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗚𝗼𝗮𝗹𝘀 𝗘𝗮𝗿𝗹𝘆. Physicians have enough to worry about without adding finances to the list.
The start of a new year is the perfect time to work on your financial to-do list. Funding your ROTH IRA, HSA, and even 529 contributions now means one less thing to worry about.
The start of a new year is the perfect time to work on your financial to-do list. Funding your ROTH IRA, HSA, and even 529 contributions now means one less thing to worry about.
I get so frustrated seeing my colleagues get taken to the cleaners by financial scams.
Private “exclusive” investments. Losing $250K.
Or saving diligently in their 401k, but getting advised to short the market in 2021…. That hurt. Cost them 50% of their savings.
Private “exclusive” investments. Losing $250K.
Or saving diligently in their 401k, but getting advised to short the market in 2021…. That hurt. Cost them 50% of their savings.
December 31, 2025 at 10:18 PM
I get so frustrated seeing my colleagues get taken to the cleaners by financial scams.
Private “exclusive” investments. Losing $250K.
Or saving diligently in their 401k, but getting advised to short the market in 2021…. That hurt. Cost them 50% of their savings.
Private “exclusive” investments. Losing $250K.
Or saving diligently in their 401k, but getting advised to short the market in 2021…. That hurt. Cost them 50% of their savings.
How do you take care of your body during residency?
The hours and exhaustion make it difficult.
But it’s critical to move your body. Even getting outside for a walk.
The hours and exhaustion make it difficult.
But it’s critical to move your body. Even getting outside for a walk.
December 31, 2025 at 3:49 PM
How do you take care of your body during residency?
The hours and exhaustion make it difficult.
But it’s critical to move your body. Even getting outside for a walk.
The hours and exhaustion make it difficult.
But it’s critical to move your body. Even getting outside for a walk.
I am disgusted that millions of families are in limbo while this student loan debacle plays out in the courts.
No one can move forward and plan.
Should you change to an IBR plan or wait out the SAVE lawsuits?
No one can move forward and plan.
Should you change to an IBR plan or wait out the SAVE lawsuits?
December 30, 2025 at 9:22 PM
I am disgusted that millions of families are in limbo while this student loan debacle plays out in the courts.
No one can move forward and plan.
Should you change to an IBR plan or wait out the SAVE lawsuits?
No one can move forward and plan.
Should you change to an IBR plan or wait out the SAVE lawsuits?
“How are we doing (financially)?”
“I see so and so saving more, or earning more or… Are we doing enough?”
Does this sound familiar?
These are very common questions. They all lead back to comparison.
What game are you playing? What are your limitations?
And what are driving your decisions?
“I see so and so saving more, or earning more or… Are we doing enough?”
Does this sound familiar?
These are very common questions. They all lead back to comparison.
What game are you playing? What are your limitations?
And what are driving your decisions?
December 30, 2025 at 6:56 PM
“How are we doing (financially)?”
“I see so and so saving more, or earning more or… Are we doing enough?”
Does this sound familiar?
These are very common questions. They all lead back to comparison.
What game are you playing? What are your limitations?
And what are driving your decisions?
“I see so and so saving more, or earning more or… Are we doing enough?”
Does this sound familiar?
These are very common questions. They all lead back to comparison.
What game are you playing? What are your limitations?
And what are driving your decisions?
One mistake I see new attendings make is buying a house right away.
Why is this a mistake?
25% leave their first job within two years.
Owning a mortgage locked in that loss.
Why is this a mistake?
25% leave their first job within two years.
Owning a mortgage locked in that loss.
December 29, 2025 at 11:46 PM
One mistake I see new attendings make is buying a house right away.
Why is this a mistake?
25% leave their first job within two years.
Owning a mortgage locked in that loss.
Why is this a mistake?
25% leave their first job within two years.
Owning a mortgage locked in that loss.
Today's residents are more engaged and aware of finances and money than I ever was.
They are learning about student loan repayment.
Saving a bit in their ROTH IRAs.
Living off cash instead of their credit cards.
These simple moves are going to level up their lives so fast.
They are learning about student loan repayment.
Saving a bit in their ROTH IRAs.
Living off cash instead of their credit cards.
These simple moves are going to level up their lives so fast.
December 29, 2025 at 4:17 PM
Today's residents are more engaged and aware of finances and money than I ever was.
They are learning about student loan repayment.
Saving a bit in their ROTH IRAs.
Living off cash instead of their credit cards.
These simple moves are going to level up their lives so fast.
They are learning about student loan repayment.
Saving a bit in their ROTH IRAs.
Living off cash instead of their credit cards.
These simple moves are going to level up their lives so fast.
What is the hardest part of residency?
Is it learning all the medicine you need to take care of your patients?
Is it the hours and unending exhaustion?
Is it the constant dehumanizing nature of the training?
How can we make this process more human for our next generation of physicians?
Is it learning all the medicine you need to take care of your patients?
Is it the hours and unending exhaustion?
Is it the constant dehumanizing nature of the training?
How can we make this process more human for our next generation of physicians?
December 27, 2025 at 6:22 PM
What is the hardest part of residency?
Is it learning all the medicine you need to take care of your patients?
Is it the hours and unending exhaustion?
Is it the constant dehumanizing nature of the training?
How can we make this process more human for our next generation of physicians?
Is it learning all the medicine you need to take care of your patients?
Is it the hours and unending exhaustion?
Is it the constant dehumanizing nature of the training?
How can we make this process more human for our next generation of physicians?
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.
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.
December 27, 2025 at 3:05 AM
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.
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.
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?
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?
December 26, 2025 at 7:27 PM
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?
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?
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?”
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?”
December 26, 2025 at 2:19 AM
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?”
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?”
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.
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.
December 25, 2025 at 6:29 PM
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.
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.
Is there a secret to a satisfying and gratifying life?
I think there is.
And it’s not $5 million or $10 million in the bank.
It’s a strong community and deep relationships.
I think there is.
And it’s not $5 million or $10 million in the bank.
It’s a strong community and deep relationships.
December 25, 2025 at 12:33 AM
Is there a secret to a satisfying and gratifying life?
I think there is.
And it’s not $5 million or $10 million in the bank.
It’s a strong community and deep relationships.
I think there is.
And it’s not $5 million or $10 million in the bank.
It’s a strong community and deep relationships.