A Millennial Physician Getting Back to Broke
(and Beyond)

I’m an Anesthesiologist and Pain Medicine physician working in the Mid-Atlantic.

I bottomed out at over $250,000 in debt, and I intend to have it paid off by 3-5 years out of fellowship.

This is a chronicling of my mistakes, my successes, and my accumulated wisdom on the journey to get back to broke (and beyond).

Latest Post

Checkup – September 2019

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. September marked my first full month of attending salary, and it was a demonstration

Recent Posts

Checkup – August 2019

Four weeks of attendinghood are in the books. I really like my new practice and the people I’ll be working with, and I’m hopeful that this is the start of a beautiful relationship. Budget/Cash Flow I’ve tweaked this a little bit, for two purposes. First, I’m trying to get a

Checkup – July 2019

Well it’s finally here. I start my first attending job tomorrow, and it’s the first day of the rest of my life in more than one way. We’ll see how well I can execute on all the self-education and groundwork I’ve been working on for the past few years. Reading

Checkup – June 2019

Late (and abbreviated) post this month. Have spent the past week moving and settling in to my new city, with still much to be done. I don’t start my new gig until the beginning of August, and I’ve been cherishing this time with Mrs. PayItBack and our little one. Budget/Cash

Checkup – May 2019

OKAY, lord knows I’m a perfectionist, but up above is what I hope will be the final iteration of my net worth tracker. I’ve redone a lot of the timeline so that it better reflects the merging of my wife and my finances when we got married, rather than just

Debt Remaining

Dec ’10:
Dec ’11:
Dec ’12:
Dec ’13
Dec ’14
Dec ’15
Dec ’16
Dec ’17
Dec ’18
 
Jan ’19
Feb ’19
Mar ’19
Apr ’19
May ’19
Jun ’19
Jul ’19
Aug ’19
Sep ’19
-$21,360
-$54,770
-$93,320
-$137,160
-$219,130
-$215,590
-$200,010
-$219,220
-$221,690
 
-$220,130
-$243,290
-$243,480
-$246,750
-$245,960
-$245,830
-$257,670
-$252,420
-$245,410
 
-$34,410
-$38,550
-$43,840
-$81,970
+$3,540
+$15,580
-$19,210
-$2,470

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*At most. Right now I’m only posting once a month. I will never spam you…to be honest I wouldn’t know how even if I wanted to.