Today's episode tackles a wide mix of practical questions. We explore the pros and cons of unions for doctors, how to protect yourself from ACATS fraud, and what you need to know about vesting rules. We also dig into an asset allocation question, upcoming changes to HSA plans in 2026, and whether it makes sense to exchange a mutual fund for its ETF counterpart. It's a packed episode with insights you can put to use right away. Today's episode is brought to us by <a href= "https://www.whitecoatinvestor.com/a/sofi">SoFi</a>, the folks who help you get your money right. Paying off student debt quickly and getting your finances back on track isn't easy, but that's where <a href="https://www.whitecoatinvestor.com/a/sofi">SoFi</a> can help — they have exclusive, low rates designed to help medical residents refinance student loans—and that could end up saving you thousands of dollars, helping you get out of student debt sooner. <a href="https://www.whitecoatinvestor.com/a/sofi">SoFi</a> also offers the ability to lower your payments to just $100 a month* while you're still in residency. And if you're already out of residency, <a href= "https://www.whitecoatinvestor.com/a/sofi">SoFi</a>'s got you covered there too. For more information, go to <a href= "https://www.whitecoatinvestor.com/a/sofi">https://www.whitecoatinvestor.com/Sofi</a> SoFi Student Loans are originated by SoFi Bank, N.A. Member FDIC. Additional terms and conditions apply. NMLS 696891. The White Coat Investor has been helping doctors, dentists, and other high-income professionals with their money since 2011. Our free personal finance resource covers an array of topics including how to use your retirement accounts, getting a doctor mortgage loan, how to manage your student loans, buying physician disability and malpractice insurance, asset allocation & asset location, how to invest in real estate, and so much more. We will help you learn how to manage your finances like a pro so you can stop worrying about money and start living your best life. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you! Find 1000's of written articles on the blog: <a href= "https://www.whitecoatinvestor.com">https://www.whitecoatinvestor.com</a> Our YouTube channel if you prefer watching videos to learn: <a href="https://www.whitecoatinvestor.com/youtube">https://www.whitecoatinvestor.com/youtube</a> Student Loan Advice for all your student loan needs: <a href= "https://studentloanadvice.com">https://studentloanadvice.com</a> Join the community on Facebook: <a href= "https://www.facebook.com/thewhitecoatinvestor">https://www.facebook.com/thewhitecoatinvestor</a> Join the community on Twitter: <a href= "https://twitter.com/WCInvestor">https://twitter.com/WCInvestor</a> Join the community on Instagram: <a href= "https://www.instagram.com/thewhitecoatinvestor">https://www.instagram.com/thewhitecoatinvestor</a> Join the community on Reddit: <a href= "https://www.reddit.com/r/whitecoatinvestor">https://www.reddit.com/r/whitecoatinvestor</a> Learn faster with our Online Courses: <a href= "https://whitecoatinvestor.teachable.com">https://whitecoatinvestor.teachable.com</a> Sign up for our Newsletter here: <a href= "https://www.whitecoatinvestor.com/free-monthly-newsletter">https://www.whitecoatinvestor.com/free-monthly-newsletter</a> 00:00 WCI Podcast #449 01:19 Unions in Healthcare 05:43 ACATS Fraud: What You Need to Know 16:43 Vesting in Employer's Retirement Accounts 19:42 Rebalancing vs. Paying Capital Gains 27:33 HSA Eligible Healthcare Plans 34:34 Swapping Mutual Funds for ETFs

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WCI #449: Unions, ACATS Fraud, Vesting, HSAs, and ETFs: What Doctors Need to Know

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