What happens when a "late-starter" ER doc finally hits FI at 60, then must figure out how to actually spend the money without blowing it—or hoarding it forever? Bill joins Mindy and Scott on the BiggerPockets Money podcast to walk through his full "caught up to FI" debrief. Here his decade-long sprint from single-digit savings to 40%, taking his money back from a private bank, and the 60th-birthday retirement-readiness check that came back with a 100% success rate. From there, they dig into his move from a simple three-fund portfolio to a risk-parity setup, why he hired a flat-fee planner after years as a DIY investor, and how he's using FI to buy back time and jump-start his kids' wealth with Roth IRAs, HSAs, and tax-savvy living gifts.

This episode covers:

➡️ Going from "rich but broke doctor" to FI in about 10 years

➡️ Boosting a savings rate from single digits to ~40% without feeling deprived

➡️ Shifting from a three-fund portfolio to a risk-parity decumulation strategy

➡️ Using flat-fee, advice-only planner instead of 1% AUM

➡️ Order of withdrawals: taxable, pre-tax, Roth, plus asset location

➡️ Modeling taxes, RMDs, and Social Security timing in real life

➡️ Building a "3-1-1" spending plan for needs, comfort, and luxury/giving

➡️ Helping adult kids fill Roth IRAs and HSAs as part of generational wealth

➡️ Weighing when to actually leave medicine once money is no longer the boss

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