Mike,

Good points. You're right. Real estate and health are huge niches and certainly not going away any time soon.

What bothers me though is the idea of specializing right out of the gate. I followed that advice when I got started. And looking back, I think it was bad advice for someone just getting going.

Do you decide to specialize or do you let your specialization find you?

You know, I sat down and thought about that specialist vs. generalist issue. You know we've all heard that a million times.

But does the heart specialist get paid more than a GP because he's a specialist or because he solves a more valuable problem for the client?