Locum Independence
THE LOCUM WEALTH JOURNAL

Wealth Acceleration.

Articles and insights on wealth acceleration for locum tenens physicians.

Locum Wealth Journal — insights for physicians
Wealth Acceleration

Real Estate for Locum Physicians, Part Two: What a 1099 Income Changes

How a 1099 income changes real estate for locum physicians: why property deductions are worth more at your marginal rate, and why tax structure comes first.

David Swanson4 min read9/1/2026
Wealth Acceleration

Real Estate for Locum Physicians, Part One: Four Questions Before You Buy

Before a locum physician buys a short-term rental, four checks on goals, workload, cash reserves, and timing that decide whether it fits your income and schedule.

David Swanson4 min read8/15/2026
Wealth Acceleration

Locum Tenens Compensation: What the Rate Actually Means for Your Take-Home Pay

Locum tenens pay rates look straightforward. What you actually take home depends on structure, taxes, and decisions most physicians don't make early enough.

David Swanson6 min read4/6/2026
Wealth Acceleration

Why Physicians Reach Financial Independence Late — And How to Fix It

Most physicians start earning late, carry heavy debt, and follow conventional financial advice that wasn't built for them. Here's why the standard path delays financial independence — and what the alternative looks like.

David Swanson8 min read3/15/2026
Wealth Acceleration

The Real Cost of Fragmented Financial Advice for Physicians

When your accountant, financial advisor, and insurance broker don't talk to each other, the cost isn't just inefficiency — it's real money leaving your financial life every year.

David Swanson9 min read2/15/2026
Wealth Acceleration

Why Locum Physicians Should Think Seriously About Real Estate

Real estate offers locum physicians something their clinical income can't: passive income that doesn't depend on showing up. But the approach matters as much as the decision.

David Swanson8 min read2/1/2026
Wealth Acceleration

PSLF as a 1099 Physician: What Changes and What Doesn't

If you're considering the move from employment to locum practice, your PSLF eligibility is one of the first things that changes. Here's what to know before you transition.

David Swanson7 min read1/15/2026