It’s Hard

It's Hard Album Cover

I am blessed beyond all reason to have a modest collection of friends that I have known for decades; no small feat considering I am only in my early thirties. Once a year, after Thanksgiving, we coalesce from across the country to share food, drinks, and stories. It’s like an annual school high school reunion, … Read more

Why Dr PayItBack?

I was inspired to create this blog by the folks over at ChooseFI, who have put together an excellent podcast series on achieving financial independence (+/- early retirement). In their talk on creating a blog, they stressed the importance of spending a good amount of time thinking about the name of your blog, making sure … Read more

My Story

Becoming a physician was not a life-long dream. Growing up I was incredibly fortunate to live in an affluent suburb; coming from an upper middle-class family with access to excellent schools, I had every opportunity to learn and to be successful. To use the baseball metaphor, if I wasn’t born on third base, by the … Read more

First Post

This is the first post of Dr PayItBack, my personal blog and chronicle of my journey to get back to broke and beyond. I’m an Anesthesiologist who finished residency training in the US in the spring of 2018, and I am currently working at a one-year fellowship in Pain Medicine. I graduated medical school in … Read more