How I Contributed $23.5k to Roth IRA/Roth 403b in 2015 as PGY2

How I Contributed $23.5k to Roth IRA/Roth 403b in 2015 as PGY2

I’m a big proponent of maxing out available Roth space during low income/training years. However, most of us don’t have enough income to put $23,500 post-tax dollars away on resident/fellow income. Below I will share how I contributed $23,500 post-tax

Home Mortgage: 4th Time is A Charm!

Home Mortgage: 4th Time is A Charm!

After purchasing my 1st home as MS4, refinancing it as PGY1, then attempting to refinance it as PGY2, I’m now preparing to purchase my 2nd home. Honestly, working with so many mortgage officers over a spectrum of mortgage companies in the

RePaye vs. Paye vs. IBR vs. Refinance

RePaye vs. Paye vs. IBR vs. Refinance

      Dear MS4 around the world: Congratulations for coming this far! This is your match day/ early medical school graduation present from DWM. This chart will serve you throughout your residency & fellowship. I will continue to update this chart

DiscoverIt Lent Me $3600 on NEGATIVE 31% interest for 15 months

shop with   and get cash back What is the highest interest rate you have been charged for borrowing money? For some of us, credit card companies might have caught us with 15-30% interest at one point in our lives (hopefully one got

Acing Your Credit Score

 Whether you are buying a house, a car, or refinancing student loans, lenders look at your credit scores (from 3 national credit bureaus: Equifax, Experian and TransUnion) to evaluate the risks they take on by lending you money. Understanding, safe-guarding, and maxing your

2015 Milestones…

As everyone excitedly talks about holiday plans and we hit the half way mark of first-year radiology training, (overnight calls will be upon us in 6 months), it hits me that 2015 is coming to an end. 2015 has been a big year in many

My favorite credit cards!

There are as many credit card options as toothpaste flavors in the supermarket. The perks they offer, when you use them responsibly, can stretch your hard earned dollar and help you build net worth (pay off debt sooner/ leverage 0% interest

Save 10-15% on your annual grocery bill AND fund your ROTH IRA!

Sprouts Farmers Market is selling gift cards at 90 cents on the dollar this coming Wednesday 11/4/2015 (traditionally this promotion happens once a year on the first wed. of November.) So let’s say your household grocery bill is $400/month, you

What should I do? 350k @ 6.8% interest rate, 3 more years of training.

What should I do? 350k @ 6.8% interest rate, 3 more years of training.

I recently met a colleague in the surgical field, who’s in his 4th year of training, with 3 more years to go. His numbers may apply to many at the same level of training. I figure I can take this

Rainy Day Fund

Every financially responsible adult I know has a rainy day fund. I have a non-conventional emergency fund, totaling 220k, of which: 50k is 0% interest for next 3-12 months. 50k charges 2% transaction fee for 0% interest for 12-18 months; effectively