Aug 20, 2026 · Investing
The New Clinician’s Order of Operations for Money
Emergency fund, match, high-interest debt, tax-advantaged accounts: the sequence that answers 80% of “what should I do first?”
Read more →Financial independence for every clinician.
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Current net worth$100,000
Annual spending$80,000
Monthly savings$4,000
Time to financial independence
17.6 years
Your FI number$2,000,000
Rule25× annual spending
Assumes 7% returns and a 4% withdrawal rate.Full calculator →
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annual spending: the whole FI rule, explained and calculated25×
for every article, calculator, spreadsheet, and the member library$0
topics, from student loans to taxes, in the order we would teach a colleague8
of paid relationships disclosed on the page where they appear100%
Popular posts
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Read more →Aug 8, 2026 · Insurance
Own-Occupation Disability Insurance, Explained
The single most important policy most clinicians buy, and the riders that actually matter.
Read more →Aug 5, 2026 · Taxes
Backdoor Roth IRA: The Clinician’s Step-by-Step
Over the income limit? You can still fund a Roth. The steps, the pro-rata trap, and the tax form.
Read more →photo: the team, white coats off
Who we are
We learned money the expensive way, so you don’t have to.
We spent a decade learning medicine and about four hours learning money, most of it from a rep selling whole life insurance in a hospital parking lot. The debt, the late start, the burnout with no exit: we lived the whole pattern.
ClinWealth is the site we wish someone had handed us at graduation. Free education, honest math, and disclosed partnerships, for every clinician rather than only physicians.
Read more →How we help
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Learn the curriculum
Start Here walks the money topics training skipped, in the order we would teach a colleague: loans, budgeting, investing, insurance, taxes.
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Run your numbers
Free calculators and spreadsheets: your FI number, compound growth, and the trackers we use ourselves. No login for the basics.
Open the calculators →03
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Student loan help, disability insurance agents, and advisors we would send a colleague to. Partners pay us, your price never changes, and everything is disclosed.
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The member library
Webinar recordings from people worth hearing, member-only downloads, and a full budgeting app on the way. Free, because the rest of the site pays the bills. Sign in with an email link, no password to remember.
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Coming next: a full budgeting and net worth app
Questions, answered
What is ClinWealth?+
A free personal finance publication for clinicians. We write about student loans, investing, taxes, income, and the path to financial independence, and we build tools that make the math concrete.
Who is it for?+
Every clinician: physicians, dentists, nurse practitioners, physician associates, nurses, pharmacists, and therapists. If you hold a license and a loan balance, this is for you.
Is this financial advice?+
No. Everything here is educational. We explain concepts and trade-offs so you can make your own decisions or bring sharper questions to a professional who knows your situation.
How does the site make money?+
Some companies on our Recommended pages pay referral or advertising fees, and sponsors can buy clearly labeled placements. That funds the free content. Paid relationships are disclosed on the page where they appear, and being listed cannot be bought.
What is the member library?+
A free members area with webinar recordings, downloads, and tools, including a full budgeting app we are standing up. You sign in with an email link, no password.
How do I get help with something specific?+
Reply to any of our emails or use the contact page. We read everything, and what readers ask decides what we write next.