I wasn't thinking about saving. I just wanted to just get through residency because I just

wanted to get through residency. I wish I was at your mindset. How did you like not feel like you were

drowning between trying to survive as a resident, you know, being a new city, 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.

You know, I think it just starts with having a mindset of whatever habits and behaviors you develop today have compounding interest.

Being able to manage the money, my student loans and the money that I had coming in at medical school and developing a budget,

then helped me to master that skill so when I got to residency, I could build upon it.

It allowed me to capitalize and understand that, okay, I have these moments in which I'm cooking,

I'm cleaning, I'm doing other things that I can build in some education

here outside of medicine. And how can I do that by capitalizing on an audio version of

learning material? So I don't have to necessarily sit down and read, but I am still building

this muscle. And so I knew then that if I don't start to practice these small skills, when I become an attending and making a lot of money, then I'm more susceptible to making mistakes. So let me just practice at my lower threshold, right? My lower income.

Dr. Brittany!

You're talking what I'm talking.

Now, for the folks that are listening right now, and they're like, okay, well, you I'm getting mixed messages, right?

And it's also a scary time government-wise, right?

Like, okay, so there's PSLF that's out there.

I can use the arbitrage, you know, I can use, you know, paying off a lower amount. If I stay at a

hospital, you know, for 10 years or a nonprofit hospital for 10 years, you know, I can use the

additional monies, you know, to invest or do something else with it, right, which is what you're talking about and what, you know, we didn't do. Or, you know, there's also the other message of just paid off and get it done quickly because you don't know, we don't know if PSLF is still going to be here. We don't know if hospitals are going to be considered nonprofits anymore or anything like that. What's your advice for folks listening right now, like the resident who's up and coming

and getting ready to finish or in attending?

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