Some Random Guy Online welcomes you to his blog!  I am an Emergency Medicine physician who practices in the San Francisco Bay Area with many interests, including personal finance.  My wife, Random Gal, is a physician as well.   We have one kid (a boy) who I call Little Random Guy, and we also have a Random Dog.  I graduated from residency training in 2014 with over $400,000 in student loan debt.  We were able to pay this off in a little over three years by living below our means and putting over half of our take home pay toward paying of the debt.  Now that my student loans are gone, we are one step closer to our goal of financial independence.


This Site:

The main purpose of this site is to entertain you, the reader.  In doing so, however, I hope to share with you some of the things I’ve learned about personal finance.  Posts on this blog will cover such topics as saving for retirement, investing, and getting out of debt.  I also plan to chronicle my journey toward financial independence, a journey I’ve decided to call PTFO.  I am still several years away from financial independence, but once there I will no longer “have” to work and will be able to say “Peace The F_@k Out!” to my job.  And while most of the articles will cover financial topics, I reserve the right, in true Random Guy fashion, to post about random topics that have nothing to do with finances whatsoever.


First Time Visiting?

If it’s your first time visiting this site, you might want to check out how this blog got started.  You can also read about how my PTFO journey began.  If you’re new to the world of personal finance, you might want to take a look at my Finance 101 Page which has posts on various financial topics, such as getting out of debt and investing.


Follow Me On Social Media and Sign Up For Updates by Email

Like what you see?  Even if you don’t, you should still follow me on social media by clicking on the icons in the upper right hand corner.  You can also sign up for email updates and be notified of new posts and content that way.  Thanks for stopping by!




I am not a financial expert or certified financial planner.  I am just Some Random Guy who is interested in personal finance.  The content of my posts should not be taken as investing or financial advice.  I am also not a professional writer, so please excuse any grammatical or spelling errors that make it through to the site.  I’ll try to keep them at a minimum.


I have no financial relationships with any of the companies or products discussed on this site.