r/whitecoatinvestor is a subreddit with 129k members. The most common kinds of discussions are advice requests and money talk, and the community frequently discusses loans, loan, retirement, investment, and insurance, and they frequently recommend/review savings account, high yield savings, and business credit card.
This subreddit is a place where high income professionals of all types can ask, answer, discuss, and debate the personal finance and investing questions specific to our unique situations without being criticized, ostracized, or downvoted simply for having a high income and "first world" problems. This includes physicians, dentists, attorneys, physician assistants, nurse practitioners, pharmacists, physical therapists, occupational therapists, and others with high incomes.
Popular Themes in r/whitecoatinvestor
#1
Advice Requests
: "Why is our physician profession the only kind that gets unfair scrutiny for trying to retire early?"
43 posts
#2
Money Talk
: "Accept parents' money for medical school (with strings attached) or take out loans?"
37 posts
#3
Pain & Anger
: "Anyone else regret not meeting a significant other before becoming an attending?"
5 posts
#4
Solution Requests
: "Which student loan refinancing term would you choose?"
2 posts
#5
Opportunities
: "Cheap Med School or Software Engineering Job?"
1 post
Popular Topics in r/whitecoatinvestor
#1
Loans
: "500k+ in Loans, recent grad"
32 posts
#2
Loan
: "Accept parents' money for medical school (with strings attached) or take out Loans?"
28 posts
#3
Retirement
: "Attendings - what Retirement accounts are you maxing out?"
22 posts
#4
Investment
: "Who here uses real estate as an Investment vehicle? Not seeing much discussion about it."
21 posts
#5
Insurance
: "own occupation disability Insurance opinion"
20 posts
#6
Student Loans
: "Inspirational stories of financially thriving after paying off enormous Student Loans"
18 posts
#7
Financial
: "Is going into Diagnostic Radiology in 2026 a bad Financial choice?"
18 posts
#8
Residency
: "Sofi doesn't consider pathology a valid Residency"
17 posts
#9
Physician
: "How to create supplemental income as a Physician?"
17 posts
#10
Financial Advice
: "Advice for inheritance as high income earners"
15 posts
Products Discussed in r/whitecoatinvestor
Savings Account
15 reviews
#1
Fidelity
5.0★ from 3 reviews
#2
Ally
4.3★ from 3 reviews
#3
SoFi
4.0★ from 2 reviews
High Yield Savings
12 reviews
#1
American Express
4.5★ from 4 reviews
#2
Wealthfront
4.5★ from 2 reviews
#3
SoFi
4.0★ from 1 review
Business Credit Card
9 reviews
#1
Capital One
4.5★ from 4 reviews
#2
Chase
4.7★ from 3 reviews
#3
Ink Unlimited
4.0★ from 1 review
Flair Used in r/whitecoatinvestor
#1
Personal Finance and Budgeting
: "Sofi doesn't consider pathology a valid residency"
67 posts
#2
General/Welcome
: "“The average starting salary for a new dermatologist attending graduating from residency in the US is $525k per yr, working an average of 37.4 hrs/wk. Consequently, a huge number of quite literally the smartest people in the country are dermatologists. It’s insanely competitive.” Stop sharing comp."
51 posts
#3
Student Loan Management
: "End of PGY-1 reflection"
27 posts
#4
General Investing
: "Cardiac anesthesiologist since 2010 and currently doing locums. I started reading the wci blog back in 2010 and then started investing in fskax in 2011. Thankful everyday for the creation of the wci blog. This is this year hitting my financial goals all due to wci blog"
22 posts
#5
Mortgages and Home Buying
: "For Physicians in HCOL areas (NY) How much was your home?"
8 posts
#6
Retirement Accounts
: "Ive finally hit my financial goals last week after 20 years. I wanted to thank the white coat investors club for their advice as I heavily incorporated it into my journey after I finished residency."
6 posts
#7
Practice Management
: "Will private practice still be viable in 7 years?"
6 posts
#8
Real Estate Investing
: ""Stocks are too slow/dumb/theoretical, I'm gonna use real estate to grow wealth" -all my buddies (who have neither index funds or real estate)"
5 posts
#9
Insurance
: "Starting to get a little skeptical about disability insurance"
5 posts
#10
Tax Reduction
: "Advice for inheritance as high income earners"
2 posts
Member Growth in r/whitecoatinvestor
Yearly
+25k members(24.3%)
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Last updated: June 20, 2026