Wrong choice = six figures down the drain. Our PSLF wizard analyzes your exact situation in 2 minutes.
Your income is too high for direct Roth contributions. Our wizard walks you through the backdoor strategy and catches the $15K+ mistake most DIYers make.
Your first 3 years as an attending are the highest-ROI period of your financial life. See the exact dollar impact of keeping your lifestyle flat.
Ask the questions Google can't answer and advisors won't touch
Should I accept this hospitalist contract? Base $280K, RVU $75/wRVU after 5000, partnership track year 3. Is this competitive?
Based on MGMA data for your region (Southwest), this is slightly below median. Here's what to negotiate:
Want me to draft negotiation points?
My disability insurance guy says I should add a whole life policy. $800/month for $500K coverage. Good idea?
No. He's earning a ~$20K commission. Here's the math:
Get a 30-year term policy for $80/month instead. Invest the $720/month difference in VTI.
Real stories from physicians who learned expensive lessons the hard way. You don't have to repeat them.
"I consolidated my federal loans in residency without realizing it reset my PSLF payment count to zero. Five years of payments didn't count. My financial advisor never mentioned PSLF was even an option."
"My hospital offered a 403(b) with 100% match up to 5%, but I focused on paying off loans aggressively instead. Didn't realize the match was FREE money until year 4. That's $42K I can never get back."
"My "financial advisor" sold me a $1M whole life policy as a "tax-advantaged investment." After 3 years, I learned he made a $24K commission. Switched to term and invested the difference—already ahead $18K."
"I maxed Roth 401(k) for 8 years in the 37% tax bracket because my advisor said "tax-free is always better." Tax software showed I paid $156K more in taxes than if I'd done traditional. Now I have to withdraw at lower rates in retirement anyway."
"Refinanced $320K in federal loans to 4.5% to "save on interest." Then COVID hit and my hospital cut my hours 40%. Federal loans had forbearance—my private loans didn't. PSLF would have forgiven $280K by now."
"Paid 1.25% AUM for 12 years on actively managed funds (another 0.8% expense ratio). Finally ran the numbers: I paid $340K in fees for a portfolio that underperformed VTI by 1.2% annually. The math made me sick."
Every one of these mistakes is preventable.
Our AI analyzes your situation across PSLF, employer benefits, tax optimization, insurance, and fee structures—so you avoid the six-figure mistakes.
That "small" 1% advisory fee compounds against you for 30 years
Portfolio growth over 30 years with $500,000 initial investment and $3,000/month contributions
Key Insight: That "small" 1% fee compounds over time. Over 30 years, it costs you $3.7M in lost wealth—that's 22% of your potential portfolio.
| Feature | Traditional Advisor | Robo-Advisor | Smart Money Rx |
|---|---|---|---|
| Annual Cost | 1% of assets ($10K+ for $1M) | $300-500/yr | $99/mo flat ($1,188/yr) |
| Physician-Specific Advice | |||
| PSLF Expertise | |||
| 24/7 Availability | Limited | ||
| Contract Negotiation Help | |||
| Conflict of Interest | Earns more when you invest more | Minimal | None |
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