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Great.

So what does that look like?

I’m a doctor in my first years out of training, trying to tackle a quarter million in debt and ‘get it right’ in all things personal finance. 

Start Here

The past, present, and hopeful future of a millennial physician

PayItBack

The financial state of our household and progress toward goals

Archive

Everything I’ve ever written to date, for better or for worse

March 2021 Net Worth Trend

Welcome to another Dr. PayItBack monthly checkup! I use this space to remain accountable to our expenses and goals, track net worth and debt, and muse on what was done well and what can be improved. “Spring is here, spring is here, life is skittles and life is beer!” The

Book Review – The Simple Path to Wealth

Today I’m going to share my thoughts on one of the FIRE community’s favorite books, The Simple Path to Wealth by JL Collins. I was introduced to Mr. Collins’ work through his website, and specifically the excellent Stock Series. If you’ve ever heard him on a podcast, you’re familiar with

February 2021 Net Worth Trend

Checkup – February 2021

Welcome to another Dr. PayItBack monthly checkup! I use this space to remain accountable to our expenses and goals, track net worth and debt, and muse on what was done well and what can be improved. Case and death numbers from COVID are dropping across the country, family members are

Fixed Rate vs. Variable Rate for Student Loan Refinancing

Of all the questions I get when I share my numbers, by far the most common is how I’ve gotten my ridiculously low interest rates. At the time I am writing this, most student loan refinancing offers for a fixed 5-year term are in the 2.5-3.0% range. Hardly a bargain

Book Review – The Doctors Guide to Eliminating Debt

As I document my financial journey here, I also try to keep up reading for myself, staying current with what other folks in the space have to say. I’ve shared my thoughts on a few books specifically dealing with the subject of physician personal finance, and today is another such

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