GamER MD

Vaccine fun animation intro: FACTS Part 1: FACTS Part 2: Vaccine Detailed Break Down: … 5/6

Step 4: Build your cash moat (aka emergency fund) 3–6 months of expenses in a high-yield savings account. This is not for investing. It’s for sleeping at night when life punches you.

Being a new attending feels like winning the lottery. But if you treat it like free money, you’ll be the doc at 50 still grinding nights because you “can’t afford” to cut back. Do it right, and in 15 years you’ll work because you want to, not because you have to.

Do as much of this yourself as you can. You are your own best advocate! But also be modest and hire a planning partner as needed. That’s what we do at @olsonplanning

Step 12: Build your future - not just your present. In year 1–3, your money should go toward: •Retirement •Debt payoff •Emergency reserves •A small “fun” budget Once you’ve locked these in, THEN we can talk about the boat, the Tesla, and the ski condo.

Step 11: Your contract can make or break you. Most docs don’t read the fine print. Big mistake. •RVU targets? •Call coverage? •Non-competes? •Tail coverage? Pay an expert (like @ResolveAgents) to review before you sign. An $800 review can save you $50K in headaches and…

Step 10: Get your adult paperwork in order. No one wants to talk about this, but: •Draft a will. •Healthcare directive. •Powers of attorney. •Check your beneficiary designations. It’s boring, but it saves your family a mountain of pain if something happens.

Step 9: Avoid the “Doctor House” disaster. Your first year as an attending is NOT the time to buy your forever home. •Your job might change. •Your call schedule might suck. •You might realize you hate this city. Rent. Stack cash. Buy once you’re stable (12–24 months at…

Step 8: Pay your taxes, but as little over your lifetime as possible. •If you’re moonlighting/1099, set aside taxes and pay quarterly. •Learn to love deductions: HSA, student loan interest, CME. •If you invest, harvest tax losses (yes, even as a beginner). Every $10K you…

Step 7: Max out your retirement buckets. This is where real wealth happens. •401(k)/403(b): $23,500 (2025 limit) •Backdoor Roth IRA: Do it annually (don’t screw up the pro-rata rule) •If eligible, Mega Backdoor Roth (not common but awesome if available!) •Side gig? Open a…

Step 6: Protect your future self. You need three insurances - everything else is secondary: 1.Own-occupation disability insurance (the kind that actually pays when you can’t do your specific job). 2.Term life insurance (10–20x income if anyone relies on you). 3.Umbrella…

Step 5: Attack your student loans like a strategist, not a cowboy. •PSLF eligible? Stay the course. •Not PSLF? Refinance with physician-friendly lenders if you can get a lower rate (@LaurelRoad). •Mixed situation? Run the math - don’t just guess. And don’t forget: MAGI…

Step 3: Set your savings rate - now. Your first big raise? The easiest time to start saving. I suggest you aim for 20–30% of gross income. Yes, that’s aggressive. But you’re starting late compared to most high earners, and compound growth is your best friend. Every dollar…

Step 2: Know your number. Before you buy anything, track your cash flow for 3 months. Not just a rough guess - actual numbers. Use: •@monarch_money •Or even a spreadsheet Find out: •Fixed expenses •Discretionary burn •Savings rate Most docs think they’re saving.…

Step 1: Don’t fall for the “I earned it” trap. Yes, you did earn it. But upgrading to the $1.2M house + G-Wagon + country club right now is like eating dessert before you’ve had dinner. Freedom > flexing. We’ll build the fun stuff after we build your foundation.

Here’s the thing: You can build generational wealth in these next 3 years… or wake up at 40 with a boat, 2 BMWs, a $1M mortgage, and zero freedom. Let’s get this right.👇

Docs - You want to be financial independent 15-20 years into attendinghood? It starts the moment you finish training, with the following 12 steps:

Young people need to understand what RFK Jr. just did Before Obamacare, insurance companies could deny you coverage for CHEMOTHERAPY because you had acne as a teenager. They considered PREGNANCY a pre-existing condition. Childhood asthma too. And could deny you. This is bad.

They're against all synthetic dyes Except Methylene blue for some reason Absolute grifters

Visitors to Alberta cancer facilities limited due to measles outbreak FFS MANDATE MASKS WTF ARE WE DOING ANYMORE ??? calgary.citynews.ca/2025/07/26/vis…

Couldn’t happen to a nicer guy