Physicians Invest

Flowcharts

Decisions, Drawn.

The physician financial life is a series of branching decisions where the wrong fork costs six figures. We draw them out. Each flowchart comes in two versions: Essentials for the answer, Ultimate for the full reasoning.

Tax Optimization · Attending

Attending Account Funding Waterfall

Where every dollar of attending pay should go, in order, to maximize tax-advantaged compounding before any taxable account.

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Tax Optimization · Resident · Med Student

Resident Account Funding Waterfall

Where every spare dollar should go on a resident salary, including which retirement accounts to fund before loans and which to skip until attending.

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Insurance · Attending · Fellow · Resident

Disability Insurance Decision Tree

How much own-occupation coverage to buy, from which carrier, with which riders, depending on your specialty and stage.

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