White Coat Investor Podcast
Episodes
WCI #363: Women and Their Finances
18 Apr 2024
Contributed by Lukas
Today we are talking with Britt Williams Baker, co-founder of Dow Janes. We explore the question of if there is a difference in finances for women vs....
MtoM #166: Family Docs Pay Off $705,000 in Student Loans and Finance 101: Rich Dad Poor Dad
15 Apr 2024
Contributed by Lukas
This dual physician couple has paid off over $700,000 of student debt only four years out of training. They are both family docs living in California....
WCI #362: Recasting a Mortgage and Beating a Non Compete
11 Apr 2024
Contributed by Lukas
Today we are answering your questions about how to get rid of a timeshare that was gifted to you, if it is legal or a good idea to use student loan mo...
MtoM #165: Pediatric Resident Gets Back to Broke and Finance 101: Mutual Funds
08 Apr 2024
Contributed by Lukas
This pediatric resident is preaching the importance of having a written financial plan. He is a second year resident and got back to broke by knowing ...
WCI #361: Financial Pathways for Attorneys
04 Apr 2024
Contributed by Lukas
Today we are having our first ever full episode focused on lawyers. Our friend and lawyer, Chris Avery, joins Dr. Dahle to discuss education costs and...
MtoM #164: Orthopedist Starts a Real Estate Empire as a Resident and Finance 101: Real Estate Professional Status
01 Apr 2024
Contributed by Lukas
This Orthopedist got started building his real estate portfolio while he was still a resident! Now after only 4 years he has a multi million dollar re...
WCI #360: Student Loans and Filing Your Taxes
28 Mar 2024
Contributed by Lukas
Today we had a handful of tricky student loan questions particularly in regards to taxes. It is always hard to answer questions with that level of spe...
MtoM #163: 74 Year Old Woman Becomes A Millionaire and Finance 101: Choosing a 529 Plan
25 Mar 2024
Contributed by Lukas
Today we are talking with an entrepreneur and author who became a millionaire in her 70s! She has a passion for inspiring others to live their fullest...
WCI #359: Tax Deferred vs. Roth Contributions: A Deep Dive
21 Mar 2024
Contributed by Lukas
Today Chris Davin, engineer and self taught master of all things Roth, joins Dr. Dahle on the podcast. For anyone who has ever wanted to get all the w...
MtoM #162: Ophthalmologist Acquires $50 Million and Finance 101: Estate Taxes
18 Mar 2024
Contributed by Lukas
This doc recently retired after a 40 year career that he loved with a nearly $50 million portfolio. He has been living and preaching the WCI methodolo...
WCI #358: What to Do When You Don't Match, and Annual Survey Results
14 Mar 2024
Contributed by Lukas
Today we are talking about what your options are if you do not match this week. It can be one of the hardest things to face and knowing what your opti...
MtoM #161: Nurse Becomes a Millionaire and Finance 101: How to Get Started
11 Mar 2024
Contributed by Lukas
Today we talk with a nurse who is currently in school to become a CRNA and is officially a millionaire. Roughly 10 years ago he and his wife took cont...
WCI #357: Roth IRAs, Conversions and Backdoor Contributions
07 Mar 2024
Contributed by Lukas
Today our friend Chad Chubb is joining us for our next Friends of WCI episode. It is Roth season they answer more of your Roth questions. They cover R...
MtoM #160: Dermatologist Pays Off Student Loans In Less Than A Year And Finance 101: Physician Mortgages
04 Mar 2024
Contributed by Lukas
This dermatologist paid off his student loans and built his net worth to $150K just one year out of training. Not only did he accomplish all of that b...
WCI #356: Navigating The Struggle To Financially Support Parents And Still Save The Way You Want To
29 Feb 2024
Contributed by Lukas
Today we are answering your questions from email and social media. We discuss what happens inside a 401(k) or 403(b) if you change your type of contri...
MtoM #159: Surgeon Gets PSLF Via the Waiver and Finance 101: Probate
26 Feb 2024
Contributed by Lukas
Our guest today is a surgeon who got almost $250,000 of student loans forgiven with PSLF thanks to the new waiver. She was the beneficiary of having h...
WCI #355: Burnout in Women with Dr. Darria Long
22 Feb 2024
Contributed by Lukas
Today on the podcast Dr. Darria Long joins Dr. Dahle. Dr. Long is an ER doc, mom of 3, author, National TV contributor, educator, entrepreneur and res...
MtoM #158: Hospitalist Pays Off Student Loans in Just Over 2 Years and Finance 101: Emergency Funds
19 Feb 2024
Contributed by Lukas
This hospitalist paid off $235,000 only 2 years out of residency. She has always been very debt averse and knew she wanted to get rid of it as quickly...
WCI #354: Mega Backdoor Roth Contributions with Minimal 1099 Income
15 Feb 2024
Contributed by Lukas
Today we tackle a few of your questions about 529s. We answer some questions about when you have to pay taxes on your rollover IRA contributions to Ro...
MtoM #157: Dual Income Couple Pays Off Mortgage Among Other Financial Milestones and Finance 101: Dividend Investing
12 Feb 2024
Contributed by Lukas
This dual doc couple got a bit later start getting their finances in order. Once they realized that they had been practicing for around 10 years and t...
WCI #353: Lesser Known Tax Strategies
08 Feb 2024
Contributed by Lukas
Today we are talking to Alexis Gallati of Cerebral Tax Advisors all about controversial, aggressive and often little known tax deductions. We ask her ...
MtoM #156: Family Doc Pays For a Dream Wedding With Cash and Finance 101: How to Wire Money
05 Feb 2024
Contributed by Lukas
Today we are celebrating this family practice doc cash flowing his dream wedding! This super saver had to get comfortable spending a pretty big chunk ...
WCI #352: How to Reduce Capital Gains on Property Sales
01 Feb 2024
Contributed by Lukas
Today we are answering your questions. We talk about capital gains taxes when selling a vacation home, then get into the age old debate about if it is...
MtoM #155: Pediatric Dentist Gets Back to Broke and More and Finance 101: Ways to Earn More Money as a Doc
29 Jan 2024
Contributed by Lukas
This pediatric dentist has gotten back to broke and a little beyond. In only a few years out of training her net worth has had nearly a half a million...
WCI #351: Physician Side Gigs
25 Jan 2024
Contributed by Lukas
Today we are talking about physician side gigs. Docs have all kinds of side gigs that make a big impact on their financial life. Today we have 3 guest...
MtoM #154: Psychiatrist Pays Off $460,000 in Student Loans and Finance 101: Rebalancing Your Portfolio
22 Jan 2024
Contributed by Lukas
This Psychiatrist paid off a whopping $460,000 in only 2 1/2 years! How did he do it? He picked up an extra job and worked as much as possible to br...
WCI #350: Paula Pant & Permabears
18 Jan 2024
Contributed by Lukas
Today we have our friend Paula Pant on the podcast. She is one of our Keynote speakers at WCICON24 that you will not want to miss. Today Paula and Dr ...
MtoM #153: Emergency Medicine Physician Pays Off $315,000 of Student Loans in One Year and Finance 101: Health Insurance in Early Retirement
15 Jan 2024
Contributed by Lukas
This emergency medicine doc paid off a whopping $315,000 in only 12 months! He and his wife made some aggressive goals during residency to live like r...
WCI #349: Is Over Contributing to Your 403(b) Ever a Good Idea?
11 Jan 2024
Contributed by Lukas
Today is another Friends of WCI episode. Tyler Olson of Olson Consulting joins Dr. Dahle to answer your questions. They talk about paying taxes and if...
MtoM #152: Neuroradiologist Hits a Net Worth of Half a Million Dollars Upon Exiting Training and Finance 101: Schedule A Tax Return
08 Jan 2024
Contributed by Lukas
This Neuroradiologist is growing his net worth like crazy. He discovered WCI in training and educated himself on how to reach financial independence. ...
WCI #348: How Much Should Location Matter When Choosing a Residency?
04 Jan 2024
Contributed by Lukas
Today we are answering your questions! Before we get to those we have a few follow up comments from listeners from episode #345 about DAFs. We talk ab...
MtoM #151: Family Doc Gets His 457(b) Plan Changed For the Better and Finance 101: 457(b) Plans
01 Jan 2024
Contributed by Lukas
This doc wanted to see big changes made to his 457(b) plan so he got involved with the committee and ultimately helped to make massive changes. He hel...
WCI #347: How To Live a Regret Free Life with Jordan Grumet
28 Dec 2023
Contributed by Lukas
Today we talk with Dr. Jordan Grumet about how to live a regret free life. Dr. Grumet first read The White Coat Investor's Guide for Doctors back in 2...
MtoM #150: Physiatrist Gets Back to Broke and Finance 101: Term Life vs. Whole Life Insurance
25 Dec 2023
Contributed by Lukas
This doc made it back to broke only one year out of training. He was diligent about tracking his spending since med school and he attributes much of h...
WCI #346: Roth IRAs are NOT a Bad Investment
21 Dec 2023
Contributed by Lukas
Today Dr. Dahle debunks an article recently published titled "Why a ROTH is a Bad Idea (Yes, You Can Lose Money)". You can find that article here: htt...
MtoM #149: Doctor Gives Away $1 Million and Finance 101: Charitable Giving
18 Dec 2023
Contributed by Lukas
Today we are celebrating a milestone we have never discussion on the podcast before. This doc has given more than $1 million to charity! This doc talk...
WCI #345: Charitable Giving and Donor Advised Funds
14 Dec 2023
Contributed by Lukas
Today we are talking with Adam Nash, founder and CEO of Daffy. We talk all about charitable giving, the most effective ways to give, what DAFs are and...
MtoM #148: Nurse Practitioner Hits $250,000 Net Worth and Finance 101: Pathways with the Military
11 Dec 2023
Contributed by Lukas
This family nurse practitioner hit a net worth of $250,000 only a few years out of training. This NP served our country and saved a lot of money while...
WCI #344: Are Structured Notes More Than A Product To Be Sold?
07 Dec 2023
Contributed by Lukas
Today we are answering your questions off the SpeakPipe. We talk about structured notes, asset protection, I Bonds, Cash Balance funds, and fees for d...
MtoM #147: Anesthesiologist Pays Off Student Loans In 2 Years Despite Becoming Disabled and Finance 101: Disability Insurance
04 Dec 2023
Contributed by Lukas
This doctor paid off $260,000 of student loans only 2 years out of training. Not only did he pay off his loans quickly, he did it despite becoming dis...
WCI #343: How Do You Know If You Are Getting Good Advice at a Fair Price?
30 Nov 2023
Contributed by Lukas
WCI Columnist, pediatrician, and WCICON speaker, Margaret Curtis, joins Dr. Dahle today on the podcast to help answer your questions. They debate the ...
MtoM #146: Urologist Pays Off $300,000 in 2 Years and Finance 101: Contribution Limits
27 Nov 2023
Contributed by Lukas
This doc has paid off $300,000 of student loans only 2 years out of training. He put nearly half of his income towards his loans every month. Not only...
WCI #342: Captive Insurance
23 Nov 2023
Contributed by Lukas
Today we are talking with Van Carlson of SRA 831(b) Admin all about captive insurance. We talk about who captive insurance is for, how to evaluate a g...
MtoM #145: Family Doc Gets Back to Broke and Finance 101: Wills
20 Nov 2023
Contributed by Lukas
This family medicine doc is back to broke only 2 years out of training. When he came out of training his net worth was nearly negative $300,000! He ha...
WCI #341: How to Surrender One of Those Nasty Indexed Universal Life Insurance Policies
16 Nov 2023
Contributed by Lukas
How to Surrender One of Those Nasty Indexed Universal Life Insurance Policies. Today we are answering your questions on the speakpipe. If you want you...
MtoM #144: IMG Comes to America and Becomes Financially Successful and Finance 101: Guidance for International Medical Graduates
13 Nov 2023
Contributed by Lukas
This radiologist moved here from Brazil 20 years ago after completing medical school. She wanted to come on the podcast to help educate other internat...
WCI #340: Choosing To Thrive With Stacy Taniguchi
09 Nov 2023
Contributed by Lukas
Today we are talking with Dr. Stacy Taniguchi about choosing to thrive and creating a life you would want to live over and over again. Dr. Taniguchi t...
MtoM #143: Emergency Doc Becomes Millionaire in 2 Years and Finance 101: How to Spend in Retirement
06 Nov 2023
Contributed by Lukas
Today we are talking with an emergency medicine doc who became a millionaire only 2 years after training. He is the perfect example of how quickly you...
WCI #339: Dave Ramsey Gives Poor Advice to Unmatched Doc
02 Nov 2023
Contributed by Lukas
Today we are answering you questions about taxes. We talk about how investing can impact taxes, how to manage estimated payments for your taxes and qu...
MtoM #142: Emergency Physician Becomes Multi-Deca Millionaire and Finance 101: Cash Balance Plans
30 Oct 2023
Contributed by Lukas
This ER doc is celebrating his success building his net worth and his impending retirement. He did not do anything fancy with investments, he didn't b...
WCI #338: Is It Ever a Good Idea to Over Fund a Roth IRA?
26 Oct 2023
Contributed by Lukas
Today we talk about are if it is reasonable to use 457(b) money to help fund your child's college education, how to do a 401(k) rollover and then how ...
MtoM #141: Doctors Pay Off Student Loans Before Even Finishing Training and Finance 101: The Importance of Saving
23 Oct 2023
Contributed by Lukas
This Hospitalist and Cardiology Fellow couple paid off almost $400,000 of student loans before they were both out of training! They put their noses to...
WCI #337: Entrepreneurship and Angel Investing
19 Oct 2023
Contributed by Lukas
Today we are talking with Drs Niki Kennedy and Dan Pipitone of Arborhive. We are talking all about entrepreneurship and how doctors can use their expe...
MtoM #140: Vascular Surgeon Lives Like a Resident and Finance 101: Car Insurance
16 Oct 2023
Contributed by Lukas
Our interview today is with a doc who has mastered the art of living like a resident. She shows us what working hard, saving and advocating for yourse...
WCI #336: Asset Protection In Real Estate Investing
12 Oct 2023
Contributed by Lukas
Today we tackle your questions about renting out a property, buying a house, estate planning, and the home office deduction. We also talk about a new ...
MtoM #139: Academic Pulmonologist Hits Half Million Dollar Net Worth and Finance 101: Financial Advisors
09 Oct 2023
Contributed by Lukas
Today we are talking with a doc that has hit a half million dollar net worth. He took our Fire Your Financial Advisor course and gained the confidence...
WCI #335: Solo 401(k) Questions
05 Oct 2023
Contributed by Lukas
Today we are answering your solo 401(k) questions. We tackle topics like what to do when you change from W2 to K1, when to create an S-Corp, how to co...
MtoM #138: Doc Helps Change His 401(k) Plan and Finance 101: Tax Brackets
02 Oct 2023
Contributed by Lukas
We loved hearing from this doc about how he advocated for changes to be made to his employer 401(k) plan. After a few years of requests he was happy t...
WCI #334: How You're Being Ripped Off By Incompetent and Corrupt CMS Bureaucrats with Dr. Alex Shteynshlyuger
28 Sep 2023
Contributed by Lukas
Our guest today is Dr. Alex Shteynshlyuger. We learned about him in a ProPublica article we recently came across. Dr. Alex is on a crusade to educate ...
MtoM #137: Roadie Becomes a Millionaire and Finance 101: Retirement Accounts for the Self Employed
25 Sep 2023
Contributed by Lukas
On this episode we have a great interview with a concert roadie who has become a millionaire. This White Coat Investor lives in Brazil and has a degre...
WCI #333: Investing in India's Stock Market and More!
21 Sep 2023
Contributed by Lukas
Today we answer your questions about agency bonds, what to invest HSA money in, factor investing, and whether to pay off debt or invest. We also discu...
MtoM #136: Cutting Back To Full Time and Finance 101: Home Buying
18 Sep 2023
Contributed by Lukas
This pathologist is celebrating getting her financial ducks in a row and finally feeling ready to give up her side gigs and just work one job. She mad...
WCI #332: Getting A Financial Plan In Place
14 Sep 2023
Contributed by Lukas
Today, SC Gutierrez, long time friend of WCI and the podcast is joining Dr. Dahle to help answer your questions. Together they answer questions about ...
MtoM #135: Opening a Franchise and Finance 101: Tilting Your Portfolio
11 Sep 2023
Contributed by Lukas
This doc decided to take some lemons that came his way and make lemonade. After being let go from his job he decided to continue to work part time in ...
WCI #331: 401K and IRA Limits are Totally Separate
07 Sep 2023
Contributed by Lukas
Today Dr. Dahle reminds us that 401K and IRA limits are totally separate. He once again reviews the changes that happened with the Secure Act 2.0 and ...
MtoM #134: Primary Care Doc Becomes A Millionaire And Pays Off Student Loans in 4.5 Years And Finance 101: Hitting The Ground Running
04 Sep 2023
Contributed by Lukas
This doc has been a White Coat Investor since he was a med student. He got started with his financial journey during residency and has hit financial m...
WCI #330: Financial Therapy with Aja Evans
31 Aug 2023
Contributed by Lukas
Today Dr. Dahle speaks with financial therapist, Aja Evans. Aja is a licensed therapist with over a decade of experience in the mental health industry...
MtoM #133: CRNA Becomes a Millionaire and Finance 101: Disability Insurance
28 Aug 2023
Contributed by Lukas
This CRNA just became a millionaire. He had his financial awakening after an expensive divorce and realized he needed to learn more about finances if ...
WCI #329: Why Mixing Insurance and Investing Causes So Many Problems
24 Aug 2023
Contributed by Lukas
Today we get into the weeds about annuities. We talk all about what they are and when (or if) they are worth owning. We answer a question about if you...
MtoM #132: Emergency Medicine Resident Hits $100K in Retirement Accounts and Finance 101: Cash
21 Aug 2023
Contributed by Lukas
This emergency medicine resident saved $100,000 in his retirement accounts all during residency. He said living in the midwest helped because of low c...
WCI #328: A Conversation With Locums Docs
17 Aug 2023
Contributed by Lukas
Today we have two locums docs on the podcast. One doc started his career as a locums doc before moving into long term employment. The other doc left l...
MtoM #131: Nurse Becomes a Millionaire and Finance 101: Student Loan Refinancing
14 Aug 2023
Contributed by Lukas
Our guest today is a nurse who has a networth of $1.8 million only 12 years out of training. He wanted to come on the podcast to make sure people know...
WCI #327: Send Your Kids to College
10 Aug 2023
Contributed by Lukas
Today we are answering your questions about 529 accounts. We talk about what a reasonable amount to put in a 529 is and what to do if you over fund it...
MtoM #130:Family and Sports Medicine Doc is Back to Broke and Finance 101: Tenant Contracts
07 Aug 2023
Contributed by Lukas
This dual board certified doc is back to broke. She was in denial for a very long time about her finances and how much debt she had taken on and had t...
WCI #326: Finances for Doctors With a Terminal Illness
03 Aug 2023
Contributed by Lukas
Today we are talking with Dr. Adam Maclauchlan, a family medicine doc who was diagnosed with stage 4 lung cancer. He shares his inspiring story about ...
MtoM #129:Family Physician Lives Like a Resident and Finance 101: Inflation
31 Jul 2023
Contributed by Lukas
This family medicine doc shows us the power of living like a resident for a few years. This family has continued to live frugally since training and w...
WCI #325: What is the 4% Rule?
27 Jul 2023
Contributed by Lukas
Today we are answering your questions off of the speak pipe. We spend some time learning about the 4% rule and what it is and how it works. We answer ...
MtoM #128 - Podiatrist Pays Off Student Loans and Finance 101: Dave Ramsey's Baby Steps
24 Jul 2023
Contributed by Lukas
This podiatrist paid off his student loans only a few years after training. He shared how freeing it has been to be completely out of debt. He said bu...
WCI #324: Pilots Can Reach Financial Independence Too
20 Jul 2023
Contributed by Lukas
Dr. Dahle chats with Australian pilot, Captain FI, about creating the life you want today and making the most of the time you have. Captain FI walked ...
MtoM #127 - Veterinarian Starts Her Own Business and Finance 101: 457(b) Plans
17 Jul 2023
Contributed by Lukas
This veterinarian shares her journey of graduating with $300,000 of debt and getting her first job making only $28,000 a year, to opening her own busi...
WCI #323: When is the Right Time to Invest in Real Estate?
13 Jul 2023
Contributed by Lukas
Today we are answering all of your real estate questions. We spend a big chunk of time talking about when the right time to invest in real estate is. ...
MtoM #126 - Pharmacist Writes a Book and Pays Off a Mortgage and Finance 101: Index Funds
10 Jul 2023
Contributed by Lukas
This pharmacist turned educator paid off his investment property mortgage. He shares his fascinating story of moving through several different careers...
WCI #322: Questions from Students and Residents
06 Jul 2023
Contributed by Lukas
Today we are answering a variety of questions from medical students and residents. We talk about the tax benefits of getting married and what to do wi...
MtoM #125 - Psychiatrist Pays Off Half a Million in Loans and Becomes a Millionaire and Finance 101: The Savings Rate
03 Jul 2023
Contributed by Lukas
This psychiatrist paid off over a half a million dollars of student debt in just over 5 years! Not only has she paid off this massive amount of loans,...
WCI #321: The Family Board Meeting with Jim Shiels
29 Jun 2023
Contributed by Lukas
Today we are talking with our friend Jim Shiels about his book, The Family Board Meeting. Jim is a father of 5 and passionate about helping families h...
MtoM #124 - Two Doc Couple Splits Their Student Loan Plan and Finance 101: The 5 Money Activities
26 Jun 2023
Contributed by Lukas
This two doc couple has created a great plan for getting rid of both of their loans. He is going for PSLF and they just paid off her loans. He said me...
WCI #320: Investment Accounts
22 Jun 2023
Contributed by Lukas
Today we are answering your questions about investments accounts. We answer questions about UTM accounts and what the tax implications are, how to cho...
MtoM #123 - Family/Sports Medicine Doc Becomes a Millionaire and Finance 101: 4% Rule
19 Jun 2023
Contributed by Lukas
This Doc was on the podcast a few years ago to celebrate paying off his student loans. Just a few years later he is back as a millionaire. He said the...
WCI #319: Wholesaling and Flipping Real Estate with Jamil Damji
15 Jun 2023
Contributed by Lukas
Our guest today is Jamil Damji who is a co-host of the BiggerPockets On the Market podcast and the author of How to Wholesale Real Estate: The No Cash...
MtoM #122 - Orthopedic Surgeon Hits $4 Million Net Worth and Finance 101: Taxes
12 Jun 2023
Contributed by Lukas
This doc just hit $4 million net worth. He has worked to boost his income at every step of his journey to allow for more savings. While he has a high ...
WCI #318: 1099 Income and Locums Docs
08 Jun 2023
Contributed by Lukas
Today we answer a handful of questions from docs who are interested in, or are currently doing locums. We talk about who locums might be right for and...
MtoM #121 - Couple Creates Their Own Financial Plan and Fires Their Financial Advisor
05 Jun 2023
Contributed by Lukas
A few years out of residency this couple decided to get serious about their finances. Once they started to look at their finances and the fees they we...
WCI #317: Financial Planning for a Child with a Disability
01 Jun 2023
Contributed by Lukas
Today our guest on the podcast is our friend, James Lange. He is here to talk about his personal experience of having a daughter diagnosed with a disa...
MtoM #120 - Career Military Doc Takes on Retirement
29 May 2023
Contributed by Lukas
This doc is a 28 year Air Force general surgeon who retired in the fall of 2020. He tells us about his journey in the military as well as talks about ...
WCI #316: Roth Contributions and Conversions
25 May 2023
Contributed by Lukas
We have continued to get a lot of your questions about all things Roth so we are dedicating another episode to your Roth questions. We answer question...
MtoM #119 - Opening a Franchise
22 May 2023
Contributed by Lukas
Our interviewees today are telling us about opening their first franchise. After listening to WCI podcast episode 267 about non-food franchising they ...
WCI #315: 529's, Inheritance and Roth IRAs For Kids
18 May 2023
Contributed by Lukas
Today we answer your questions about 529's. We try to help clarify the changes coming with Secure Act 2.0. We talk about if it would make sense for 52...
MtoM #118 - Cardiologist Becomes a Millionaire
15 May 2023
Contributed by Lukas
This cardiologist became a millionaire just 6 years out of training. This physician couple worked hard to pay their debt off and start saving. They ha...
WCI #314: Loving Your Timeshare with Dr. Cory Fawcett
11 May 2023
Contributed by Lukas
Dr. Cory Fawcett joins us today to make the case for timeshares. He takes the much less voiced opinion that timeshares are awesome. He shares who he t...
MtoM #117 - Sleep Doc Pays Off a Mortgage in Two Years
08 May 2023
Contributed by Lukas
This sleep medicine doc paid off his mortgage in only 2 years! He learned quickly that he does not like being in debt and first tackled $280,000 of st...