You know, with student loans, I don't know, for me, I hated verifying my income and my employer every year for the public service loan forgiveness.

We know that sometimes who they put in positions as representatives and administrators in the Department of Education are sometimes not the most knowledgeable.

And so I just kind of hated just this reliance on the government to forgive my student laws. Renee talks about that all the time. She says like, you spend your entire life trying to have major control over your career, how you study, the grade you get. And then all of a sudden, you know, a major portion of your paycheck, you don't know if it's going to get forgiven at the end of 10 years. When I talk to people about finances, it's all about control. It's all about strategy. It's all

about understanding how your money is moving. And for me, that level of uncertainty, I just

really didn't agree with. I think we kind of come from similar backgrounds. Yeah, yeah.

But like, I just found myself just literally like in a rat race. I wake up, try to get to work, try to get there, you know, be the best surgical resident

that I could be. You're staying there late. You, you know, you study at night. And then you wake up and you

rinse, wash, and repeat.

And the last thing I had on my mind was just finances, right?

Because I literally was like, okay, do I have enough to pay my mortgage?

Do I have enough to pay my bills?

I wasn't thinking about saving.

I just wanted to just get through residency because I just wanted to get through residency.

And like, I just, for me, I, like, I wish I was at your mindset, right?

So I guess the thing that I was, that I wanted to ask is, like, how did you, how did you, like,

not feel like you were drowning between trying to survive as a resident, you know, being a new city and all those different things, survive residency,

get through, thrive, and then also at the same time have this like forward thinking plan

that even the extra bit that I have I'm going to put towards this delayed gratification of paying

off my debt. Talk to me about that. Like, how did you make that decision? Like, this is where

the money's going to go, right? Because that's,

to me, that's tough, right? So talk to me about that. Um, you know, I think it just starts with

having a mindset of whatever habits and behaviors you develop today have compounding interest.

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