Story at-a-glance Being proactive means taking control, not waiting for problems to happen. Proactive doctors avoid burnout, grow faster, and lead healthier practices and teams. Focus on your “Circle of Influence”—your skills, planning, habits—not outside forces. Small changes, like better

Story at-a-glance Going from residency to practice means a big income jump—but also a big risk of overspending.Create a clear plan for saving, debt payoff, and spending before your first full paycheck hits.Avoid lifestyle inflation—celebrate your success, but don’t overcommit to big purchases

Story at-a-glance Start 2025 with a financial check-up: Know your income, debt, and savings to build a smart plan.Set clear goals using the SMART method to stay focused and motivated.Max out retirement accounts and build an emergency fund to protect your future.Review disability and life

Story at-a-glance Needle stick injuries are common—especially in residents, with nearly all surgical trainees affected.Exposure can lead to serious illness like Hepatitis B, C, or HIV—and major financial consequences.Disability insurance protects your income if a health event stops you from

Story at-a-glance Keep living like a resident after you become an attending—it can fast-track your financial goals.Pay down student debt faster and save thousands in interest by keeping expenses low.Avoid lifestyle creep so you can build savings, invest early, and gain financial freedom.Simple

Story at-a-glance Becoming an attending means more independence—you make the calls, but help is still okay.Confidence builds over time through preparation, case reviews, and mentorship.A strong support system matters—mentors, peers, and interdisciplinary teams help you grow.Communication is

Story at-a-glance Estate planning protects your children – It ensures guardianship, financial care, and clarity during life’s worst moments.Wills and trusts are essential tools – A will names guardians and asset plans, while trusts avoid probate and add privacy.Powers of attorney and