The guide library
Plain-English guides for student loans, taxes, insurance, benefits, investing, home buying, and the other financial decisions that arrive fast when training ends.
Featured guide
First Attending Year
A practical order of operations for the jump in income: cash reserves, benefits, retirement accounts, student loans, insurance, taxes, and how much of the raise you can actually spend.
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Student Loans Popular
How to think through repayment when your income changes and every option seems to have a catch.
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Why timing matters, what own-occupation means, and where young physicians often get stuck.
Read guide →Home Buying
A practical way to think about mortgage payments, physician loans, taxes, insurance, and cash flow.
Read guide →Taxes
Why withholding problems often show up after a big income year and how to catch them earlier.
Read guide →Benefits
Retirement plans, HSA eligibility, disability coverage, life insurance, PTO, and the benefits that deserve a second look.
Read guide →Investing
How to evaluate fees, diversification, and risk before changing the investments inside your retirement plan.
Read guide →Insurance
A framework for replacing income, covering debts, protecting family goals, and avoiding an arbitrary round number.
Read guide →Taxes
What higher marginal rates can change about withholding, deductions, retirement savings, and estimated payments.
Read guide →Suggested reading path
The biggest value is often getting decisions in the right order, not trying to solve everything at once.
Contract, disability insurance, student loan strategy, and expected first-year cash flow.
Benefits elections, tax withholding, retirement contributions, emergency fund, and spending targets.
Home affordability, cars, lifestyle upgrades, investing, and building room for long-term goals.
No spam. Just practical resources for the transition into practice.