Physicians scroll social media between shifts, so a post has to earn its place in a few seconds. The posts below each take one money decision doctors face early in their careers and turn it into something they can act on this week.
Your first 90 days as an attending set the tone for years. Here's an order that keeps it simple. Week 1. Read your benefits guide, start to finish. Month 1. Pick a disability policy, and look for the words "own occupation." Month 2. Choose a savings rate before the bigger paychecks start to feel normal. Month 3. Decide on a plan for your loans, especially if you're working toward forgiveness. Which of these is still on your list?
A belief I hear from a lot of new doctors is that every loan has to be gone before investing starts. For many physicians, doing both at once can come out ahead. It depends on your interest rates, whether you get an employer match and whether you're working toward Public Service Loan Forgiveness. Which one fits you is a good question to bring to a planner.
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Nothing posts without your approval.
Early in your career, your ability to practice is what your whole plan rests on, and the fine print on your disability policy decides how well it's protected. An "own-occupation" definition generally pays if you can't work in your own specialty, even if you could work in another field. Other definitions may not. Pull out your policy this week and look for that phrase. If you can't find it, ask your agent what yours says.
Many hospital-employed physicians can use both a 403(b) and a 457(b), and each has its own limit. For 2026 that's $24,500 in each. That can mean far more room to save than you'd guess from one plan alone. A non-governmental 457(b) works differently from a 403(b), though, so read your plan's rules before you count on it. Figures from the IRS 2026 contribution limits.
Working at a nonprofit or public hospital? Public Service Loan Forgiveness forgives the rest of your federal Direct Loans after 120 qualifying monthly payments while you work full time for a qualifying employer. Payments made during residency can count. Certify your employment every year so your count stays accurate. Details at studentaid.gov.
Type your website. In about a minute Watt writes 3 posts for your firm, with your colors, fonts and logo. Free, no sign-up.
Nothing posts without your approval.Two or three times a week is a pace a solo advisor can keep. Steady posting matters more than volume, and a post tied to a real deadline does more than a general tip.
Use them as a starting point. Change the wording to sound like you, check the figures for the year you post, and run them through your firm's compliance review before they go out.
Promises about outcomes, predictions about markets or loan rules, rankings you can't back up, and anything that reads like advice for one person. Give the fact, the source and the question to ask.
The graphics on this page were made by Watt for Ridgeline Planning, a sample firm. Figures are for 2026 and come from the sources named in each post. Check them for the year you post.