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, financial, loan, student loans, 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?"
45 posts
#2
Money Talk
: "Accept parents' money for medical school (with strings attached) or take out loans?"
39 posts
#3
Pain & Anger
: "Do we have a spending problem, or is this just life now?"
4 posts
#4
Solution Requests
: "How to invest for 4-5 years in residency"
1 post
#5
Opportunities
: "Cheap Med School or Software Engineering Job?"
1 post
Popular Topics in r/whitecoatinvestor
#1
Loans
: "500k+ in Loans, recent grad"
34 posts
#2
Financial
: "Is going into Diagnostic Radiology in 2026 a bad Financial choice?"
27 posts
#3
Loan
: "Accept parents' money for medical school (with strings attached) or take out Loans?"
22 posts
#4
Student Loans
: "Gamified paying off Student Loans for travel miles/points."
21 posts
#5
Insurance
: "own occupation disability Insurance opinion"
21 posts
#6
Residency
: "Sofi doesn't consider pathology a valid Residency"
20 posts
#7
Investment
: "Who here uses real estate as an Investment vehicle? Not seeing much discussion about it."
19 posts
#8
Retirement
: "Attendings - what Retirement accounts are you maxing out?"
16 posts
#9
Financial Advice
: "Advice for inheritance as high income earners"
15 posts
#10
Investing
: "Investing beyond maxed 403b / 457b / backdoor Roth x 2"
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"
66 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."
46 posts
#3
Student Loan Management
: "Gamified paying off student loans for travel miles/points."
27 posts
#4
General Investing
: "We have reached a point where saving more does not make sense anymore!"
19 posts
#5
Mortgages and Home Buying
: "For Physicians in HCOL areas (NY) How much was your home?"
11 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."
9 posts
#7
Practice Management
: "Why do so few physicians aim to start their own private practice? Private Equity is eating medicine alive"
7 posts
#8
Insurance
: "Starting to get a little skeptical about disability insurance"
7 posts
#9
Real Estate Investing
: "Be very careful with syndicated real estate"
5 posts
#10
Tax Reduction
: "Advice for inheritance as high income earners"
2 posts
Member Growth in r/whitecoatinvestor
Yearly
+26k members(25.0%)
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About
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This page gives a focused view of r/whitecoatinvestor, including current member size, discussion patterns, product reviews, and related communities to explore.
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Last updated: June 10, 2026