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You spent a decade learning medicine and roughly four hours learning money, probably from a rep who wanted to sell you whole life insurance. This page is the curriculum training skipped, in the order we’d teach it to a colleague: physicians, dentists, NPs, PAs, nurses, pharmacists, therapists, anyone with a license and a loan balance.
Work through it with us
Subscribe and we’ll walk these topics in order, one email at a time, starting with whichever one you tell us hurts most.
01Student Loans
Six figures of debt is the clinician starting line, not a life sentence. Understand PSLF, income-driven repayment, and when refinancing beats forgiveness.
Compare refinancing offers02Budgeting & Spending
You can’t invest what you never see. Build a spending plan that survives shift work, moonlighting income, and the post-training pay jump.
Try the Time-to-FI calculator03Investing
A three-fund index portfolio beats most professionals over a career. Learn the accounts, the order of operations, and how to stay the course.
See compound growth in action04Retirement & FI
Your FI number is just 25× annual spending. Whether you want to retire early or just work on your own terms, the math is the same.
Find your FI number05Insurance
Your income is your biggest asset. Own-occupation disability insurance and term life are the two policies almost every clinician needs.
Get independent agent quotes06Taxes
The tax code is written for people who read it. Retirement accounts, HSAs, and practice structure can save clinicians five figures a year.
Read the latest tax strategies07Grow Your Income
Negotiation, locums, telehealth, surveys, expert-witness work, side businesses. Your license can earn more than your W-2 suggests.
Explore income ideas08Burnout & Career
Financial independence is burnout insurance. Money in the bank turns “I have to” into “I choose to.”
Read the burnout-proofing guide