Posts to come, tell me which ones you want the most!

Minimize Debt for all:

• $10k student loan after $1/2 mil post secondary education. 
• Near zero net worth after getting 400k medical degree in May 2014.
• Net positive college grad.
• To B or not to B: bankruptcy vs. forgiveness.
• Why I don’t have to wait for loan forgiveness.
• Managing my debt creatively.
• Federal work-study helps alot.
• Don’t take no for no.
• If you don’t ask, you won’t get it.
• Pace yourself, be your own advocate.
• If you need help, reach out: government programs.
• How my jobs in school helped me to be a top student.
• Time is money; don’t ever sell yourself cheap.
• “Live like a student when you are a student; you can live like a doctor (substitute with your profession of choice) for the rest of your life.”

Smart credit use:

• Cash is king, how to maximize your cash flow.
• Smart credit utilization in school.
• Smart credit utilization out of school.
• Smart credit utilization when you have big paychecks.
• The ultimate mismatch: 20k annual income with a quarter million credit line.
• Keep it flowing, or trickling.
• Circulate your (limited) cash to get guaranteed return greater than index funds.
• Living on credit yet never paying interest.

Know your #’s:

• One excel spread sheet to track all my finances.
• Filing My Own Taxes.
• When I sign a check, I know exactly how much goes to principle.
• Student loan servisers’ tricks to charge you more interest.
• Mortgage companies’ tricks to charge you more interest.
• Credit card companies’ tricks to charge you more interest.

Budgets:

• Budgets don’t limit; budgets achieve goals.
• Positive reinforcement: when you constantly excel beyond your goals.
• Professional/ Doctor Worthy wardrobe on a budget
• Gourmet organic meals on a budget
• Travel/ job interview on a budget
• Pass it forward: when recipient of charity gives to charity.
• Sharing dollar sense with kids
• Setting financial goals with your significant other

Building equity:

• Takes money to make money.
• Takes “money flow” to make money.
• Know the opportunity cost of your dollar.
• Four pillars of building wealth: cash flow, debt/income ratio, tax shelter, interest saving. 
• Watching 3 housing markets in 3 cities simultaneously
• Luck is preparation meets opportunity.
• Purchasing my 1^sthome 2 months before getting a paycheck.
• Pros and Cons of Doctor’s Mortgage
• Bridges to where I want to be.
• How I refinance my 1^sthome within 7 months of purchasing it.

Cost of living:

• True value of your paychecks.
• Examine what you are paying for.
• What matters to you  most.
• Don’t limit yourself geographically.
• So close yet so far.
• What I learned from the oceans and operas that I never saw as a decade long Californian.
• Higher stress living= lower capacity to love and care for others.

Medicine specific caveats:

• Residents and fellows: let’s accelerate your debt reduction and your asset growth!
• Getting into medical school.
• Apply widely, interview wisely.
• Getting into residency.
• Testing: more hoops to jump through.
• Match day: when I learn where I will spend my next 6 years of life.
• How I make my rank list.
• My mistakes, and hopefully your free lessons.
• “Live like a doctor (substitute with your profession of choice) when you are a student; you will live like a student for the rest of your life.”

Please comment below on which posts you want the most.

I will do my best to write those first 🙂