General
Why Physicians Skip Disability Insurance (And Why That's a Mistake)
You spent four years in undergrad. Four years in med school. Three to seven years in residency. You're finally earning real money as an attending.…
Physician Financial Planning
Financial Advisor for Physicians, Residents, and Attendings
Your income rises quickly, but student debt, contracts, and tax drag can delay wealth. Get a physician-specific plan for what to do now and next.
PSLF versus refinance modeling by career path
Attending transition cash flow and tax setup
Contract and compensation package strategy
Backdoor Roth and HSA optimization
Disability and risk protection planning
High-income physician wealth accumulation systems
Free Calculator
PSLF vs Refinance: 10-Year Estimate
Plug in your numbers. We'll compare estimated total cost of staying in an income-driven repayment plan with PSLF forgiveness against a 5% / 10-year private refinance. This is a directional estimate, not advice.
PSLF: total payments / 10 yrs
$239,510
PSLF: estimated forgiveness
$260,316
Refinance @ 5% / 10 yr: total
$381,836
Estimated PSLF advantage: PSLF saves you about $142,325 over 10 years
These numbers are directional only. Actual IDR payments depend on the plan rules in effect each year, family-size adjustments, employer certification, and tax filing status. SAVE has been in legal limbo since 2024 — treat SAVE projections as a range. This is not legal, tax, or financial advice.
Physician-Specific Resources
General
Why Do Smart Physicians Feel Lost With Money?
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General
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General
Why Physicians Struggle to Enjoy Their Wealth
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General
What Is a 457(b) Plan and Should Physicians Use It?
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Physicians
How Physicians Building Health Tech Startups Can Save $500K+ on Taxes with QSBS
Physician health tech founders pay $500K+ in taxes on exits. QSBS tax exclusion could change that. Learn if your startup qualifies and the 83(b) election timing that matters.
Physicians
Should Physicians Invest in Crypto?
Physician financial planning often ignores crypto. Learn if Bitcoin and digital assets belong in a doctor's portfolio and how much allocation makes sense.
General
When Should Physicians Invest in Real Estate?
Physician financial planning gets complicated when real estate enters the picture. You've saved during residency, you're finally attending, and everyone's telling you to buy rental…
General
Why Should Physicians Get Disability Insurance Before Residency Ends?
Most residents I work with think disability insurance can wait until they're attending. They're focused on surviving 80-hour weeks, passing boards, and keeping their heads above wa…
General
How Early Should Physicians Start Investing? The Number That Will Surprise You
But you're also looking at six figures of student loans, maybe a car payment, maybe you want to buy a house eventually. So you tell yourself: I'll start investing next year. When I…