Girl Meets Boy: Sharing Dollar Value with Your Significant Other

My significant other grew up in a entirely different world from mine in many dimensions: cultural, social, economic, and psychological. I was born and raised in Asia, in a developing country. He was born and raised in the US, a developed country.

For those making the big bucks (becoming attending) this July!

You are in a wonderful position to take much greater control of your debt and build positive net worth much faster than anyone else still in training for the following reasons, your new pay is likely 4x to 5x more than what residency program

Awesome ways people have paid for their education

Since I started this site, many have shared with me ways that they have paid for their med school. I’ve asked a few people to write their success stories as guest posts, hopefully they will get on it and send

DWM’s parents

I love my parents. They’ve made me who I am from the day I was a fetus inside my mother’s belly. I would like to share a few wonderful things that my parents have taught me with their actions, words, and thoughts.

My Daughter’s Grandma

I met my daughter Mini’s grandma nearly a decade ago. To protect her identity, I will call her Nana.   From my first interactions with Nana, I learned how positive and compassionate she was. She has a tender heart for

Match day: finding out where I will be for the next 6 years of my life.

No other profession go through something as crazy as the so called MATCH that doctors go through to find their first jobs right out of medical school. MATCH: a process that consists of numerous speed dating sessions between the job

Residency: The financial bitter-sweet spot

Many of my colleagues see residency as the hardest financial years because student debt of 300-400k is compounding away at 6-9% annual income is about 50k-70k depending post-graduate-year work hours are long: 80+hrs/wk there is no money, after monthly expenses, to

My American Dream Part II “Budgeting”

This post is reader-inspired. She wrote, “Would like to see a post to help with me with my American dream…on how to establish a monthly budget, and keep to it, in a way that is practical but not restrictive? seriously,

Count my blessing

I am so grateful for the following, All my family members are relatively healthy (no one had extended hospital stays) My kid enjoys her school, where we live now, and is building new friendship. With her grandmother’s generous help, we have

Chasing after the wind…

As I look back on this past year… I realized that I have hit several financial milestones which prior to reaching them I thought would be deeply gratifying and liberating. They were indeed, albeit transiently so. May 2014: No longer

FICO score simulator, awesome tool!

I recently found this tool available to me at my experian account. Pretty useful! Much of what I learned through years of experiences/self education are summarized AND simulated in this tool. Wished that I had this earlier, so I’m eager to

My Student Doctor Network Debut

I started a thread named “how to manage student debt” on SDN yesterday AM. It had been quite a roller coaster ride as I was initially received by lots of cynicism, animosity, and name calling… But because numbers speak for

My American Dream

I remember visiting my aunt May as kid and staying in her mansion in the US. I was awed and stunned in many ways. Sitting at the pool side, with my feet dangling in the crisp cool water, I said

If you don’t stretch your credit, it ain’t gonna grow.

Use it or lose it; my personal take on this idiom: stretch it and grow it. First of all, divide your credit history into “need it” vs. “don’t need it” phases. When you “need your credit,” you want your absolute highest

How I fixed my once BAD & SMALL credit.

I had bad credit once. Someone used my name to open an utility account in San Francisco and decided to leave a $3 balance causing delinquency. I was not aware of it until I pull my annual FREE credit report

Less is More when it comes to USMLE prep

In this day and age of information explosion, most of us have TOO many instead of too few study resources at our finger tips. Having too many resources is not innocuous, it actually can be detrimental to your success, as

Ground Rules for USMLE’s Prep

  Weigh your study time to “Get the Biggest bang for your buck” Review your baseline knowledge Disciplines You Rock: Disciplines that Rock You: *Disciplines include behavioral, biochemistry, embryology, microbiology, immunology, pathology, pharmacology, Systems (CV, endocrine, GI, hemoc, MSK, neurology, psychiatry,

Ground Rules for MCAT Prep

Weigh your study time “Get the Biggest bang of your buck”   One hour spent in Physical Sciences frequently yield greater score increase than one hour in Biological Sciences than that in Verbal Reasoning. In other words, the “bang of the

Growing net worth on high debt/income ratio: Principles

As promised from the last post, Take a financial snapshot (debt & asset denoted as D & A) of where you are NOW D: Student loan balance and interest rate D: Private loan balance and interest rate D: Personal loan balance and interest rate D: Consumer debt (credit card) balance and interest rate

*PGY 1-12: let’s positively grow our net worth NOW.

Some of the most amazing doctors I look up to have chosen to dedicate 8-12 years as doctors in training, after graduating from medical school. It truly is remarkable and inspiring to see someone on his/her way to complete the 32nd