Financial &amp; Legal Aspects

Should I Choose a Lower-Paying PSLF-Eligible Job Over Higher Salary Elsewhere?

Decide whether a lower-paying PSLF-eligible job beats a higher private salary with a 10-year comparison, loan math, and when PSLF wins.

Should I Pay Med School Interest During School or Wait Until Residency?

Learn when to pay med school loan interest—during school or residency—to lower total cost, compare strategies, and choose the best plan for you.

When Does Buying a House With Med School Loans Actually Make Sense?

When buying a house with med school loans makes sense: practical DTI, timing, and loan-strategy rules for residents and new attendings — avoid costly mistakes.

Intern Year Money Timeline: When to Enroll in IDR, Refinance, and Reassess

Intern year money timeline: month-by-month steps to enroll in IDR/SAVE, refinance, and reassess student loans to maximize PSLF and lower payments.

PGY2–PGY3: Annual Loan Checkups and Adjustments You Should Schedule

PGY2-PGY3 student loan checklist: schedule annual audits, quarterly IDR checks, PSLF verifications and tax planning to avoid costly mistakes before attending.

MS1 to Match: Year-by-Year Checklist to Keep Med School Debt Under Control

Physician Salaries

135 articles

What’s the Real Difference Between $300K and $500K Physician Incomes?

Compare $300K vs $500K physician income: taxes, lifestyle tradeoffs, time costs, and how each affects savings, burnout, and path to financial independence.

Side Gig Medicine: What Surveys Show About Supplemental Physician Income

Final Year of Residency: Month-by-Month Guide to Maximizing Your First Salary

How Much Do Residents Really Earn by Year, and What Does That Cover?

Are Academic Appointments Worth the Pay Cut? How to Decide for Yourself

Locums or Permanent Job First? A Timeline Framework for New Attendings

Private Practice Exit Scenarios: Valuations, Payouts, and Income Consequences

Physician Income Growth vs Student Debt: 10-Year Trend Lines by Specialty

Income Volatility in Medicine: Which Specialties Have the Steadiest Pay?

Understanding Tail Coverage, Malpractice Premiums, and Their Impact on Net Pay

RVU Targets by Specialty: What the Numbers Say About Realistic Productivity

Physician Tax Planning

124 articles

Latest

What If I Owe More Taxes Than I Have Saved as a New Attending Doctor?

First Two Years After Fellowship: Sequencing Big Tax Decisions Wisely

Why ‘Max Your 401(k) and You’re Set’ Fails High‑Earning Physicians

Dual‑Physician Couple With Kids: Coordinating Tax Credits and Deductions

Should I Pay My Quarterly Taxes as a Physician or Just Adjust Withholding?

If You’re Joining a Private Group as a Partner: Tax Questions to Ask First

State Income Tax Impact: Comparing Net Pay for Physicians Across 10 States

Do Doctors Really Get Audited More? What IRS Data Actually Shows

Backdoor Roth vs Taxable Brokerage: Long‑Term Projections for Physicians

Married Filing Joint vs Separate for Dual‑Physician Couples: A Comparison

Defined Benefit Plan vs 401(k) Only: Modeled Tax Savings for Senior Doctors

W‑2 vs 1099 for Physicians: Deep Dive on Tax Trade‑Offs and Structures

Malpractice Insurance

115 articles

I Signed a Contract Without Understanding Malpractice Terms—Now What?

Fix a signed employment contract with unclear malpractice terms - learn to identify claims-made vs occurrence, tail coverage, and next negotiation steps.

Terrified of Depositions: What Actually Happens When You’re Called

Understand medical depositions: what happens, how malpractice insurance and defense attorneys protect you, plus practical deposition prep tips.

Can I Get Malpractice Coverage With Prior Claims on My Record?

Learn how to secure malpractice coverage after prior claims: options, underwriting factors, and steps to improve insurability and avoid costly surcharges.

How to Build a Personal Risk-Management Plan as a Junior Attending

Create a personal risk-management plan for junior attendings: inventory malpractice coverage, document practices, and prepare incident response to protect your career.

Why Suing Patients for Unpaid Bills Can Backfire in Malpractice Risk

Learn why suing patients over unpaid bills raises malpractice risk and patient complaints—practical billing tips to protect reputation and reduce claims.

Does Apologizing to Patients Increase Lawsuits? Malpractice Evidence Review

Malpractice Riders for Teaching, Consulting, and Expert Witness Work

Can One Malpractice Lawsuit Destroy My Residency or Fellowship Chances?

Malpractice Claim Filed Against You: A Step-by-Step Response Playbook

Investment Strategies for Doctors

95 articles

Just Became an Attending? A 24‑Month Roadmap to Your First $100K Invested

New attending? Follow a 24‑month roadmap to invest your first $100K: budgeting, automated savings, emergency fund, and simple diversified investments.

How to Automate Investing on a Resident Salary Without Feeling Deprived

5‑Year Timeline From Fellowship End to Financially Stable Portfolio

Already Behind at 40? Catch‑Up Investing Strategy for Mid‑Career Physicians

How Starting to Invest in Residency Changes Your Net Worth by Age 50

What If My Partner Handles All the Money? Protecting Yourself as a Physician

What If Another 2008 Happens? How Doctors Protect Portfolios From Crashes

Tax Season Timeline: Key Investing Moves Doctors Should Make Each Quarter

Afraid of Making a ‘Wrong’ Investment Move? How to Start Without Regret

Index Funds vs Actively Managed Funds: What Physicians Actually Earn

Private Practice Equity: Structuring Buy‑Ins to Protect Your Investment

Physician Real Estate Investing

95 articles

Latest

Tax Season Timeline: Key Real Estate Deadlines Physicians Can’t Miss

How Much Cash Reserve Should Physicians Keep for Real Estate?

Ground Leases and Build-to-Suit Deals: Niche Plays for Physician Investors

Cash-on-Cash Return Benchmarks for Physician Real Estate Investors by Market

International Medical Graduate Physician: Investing in U.S. Real Estate

What If a Bad Real Estate Deal Wrecks My Debt-to-Income for a Mortgage?

Is Investing Near My Hospital Better Than Out-of-State Properties?

Do I Need an LLC for My First Real Estate Property as a Physician?

Sale–Leaseback of Your Practice Building: Mechanics and Risk Analysis

Is Joining a Physician Real Estate Syndication Network Worth It?

Your First 12 Months After Graduation: Real Estate Moves to Consider

Late-Career Physician With No Rentals: Catch-Up Real Estate Blueprint

Retirement Planning

114 articles

Five Years Before Retirement: Physician Transition-To-Exit Timeline

Plan your five-year physician retirement: step-by-step timeline for finances, contracts, licensure, and lifestyle to protect income, equity, and patient continuity.

How to Protect Your Retirement Plan if You Expect to Support Extended Family

Planning Retirement After Switching From W-2 to 1099 Locums Work

Should My Spouse Stop Working Once I Make Attending Income?

What If I Burn Out Before I’m Financially Ready to Retire?