Physician Spending Plan

FREE

Optimize your spending with physician-specific guidelines and build wealth faster

Income & Budgeting

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1Enter your monthly income and current spending across four categories: essentials, discretionary, debt, and savings
2Compare your current allocation to the optimized physician spending plan (50% essentials, 25% discretionary, 25% savings)
3Review personalized recommendations based on your savings rate and debt-to-income ratio
4See wealth accumulation projections showing the long-term impact of optimized spending
5Track your progress against physician-specific benchmarks for each spending category

•Optimized plan targets 50% essential expenses (housing, utilities, groceries, insurance)
•Recommends 25% discretionary spending (entertainment, dining, hobbies, travel)
•Targets 20-25% savings rate for physicians (higher than general 15% guideline)
•If debt exists, recommends 15% max for debt payments, 15% discretionary, 5% emergency buffer
•Assumes 7% annual investment return on savings for wealth projections
•Does not account for tax optimization strategies or employer benefits
•Assumes consistent income without seasonal variations or bonus structure

✓Upload bank statements and credit card statements - AI auto-categorizes all transactions into essentials, discretionary, and debt
✓Ask AI Copilot: "Where am I overspending?" Get detailed analysis of spending patterns by category
✓Connect to Mint, YNAB, or Personal Capital - AI syncs all accounts and tracks spending in real-time
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1Enter your monthly income and current spending across four categories: essentials, discretionary, debt, and savings
2Compare your current allocation to the optimized physician spending plan (50% essentials, 25% discretionary, 25% savings)
3Review personalized recommendations based on your savings rate and debt-to-income ratio
4See wealth accumulation projections showing the long-term impact of optimized spending
5Track your progress against physician-specific benchmarks for each spending category

✓Upload bank statements and credit card statements - AI auto-categorizes all transactions into essentials, discretionary, and debt
✓Ask AI Copilot: "Where am I overspending?" Get detailed analysis of spending patterns by category
✓Connect to Mint, YNAB, or Personal Capital - AI syncs all accounts and tracks spending in real-time
✓AI identifies spending leaks (subscriptions, dining out frequency, impulse purchases)
✓Get personalized strategies: "Cut discretionary by $500/month" with specific recommendations
✓Track month-over-month progress and get alerts when you exceed category budgets
✓Compare your spending to physician peers by specialty, geography, and career stage
✓Export custom budget templates and spending reports to share with spouse or financial advisor

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