PTFO: Long-Term Goals and Initial Retirement Planning

In my last PTFO post, I talked a bit about budgeting as well as establishing an emergency fund and paying off my credit card. These were some of the short-term goals I wanted to knock out as soon as I could after graduating from residency. I also came up with a plan to pay off …

PTFO: Planning to Meet Your Goals

In my last PTFO post, I talked about calculating my net worth and coming up with a preliminary budget that included my wife’s income. I didn’t include our budget in the last post, but I’ve decided to do it here for completeness sake. The bare-bones version of our monthly budget looked something like this: Mortgage …

PTFO: Net Worth and Budgeting

It’s funny what a swift punch in the gut can do to a person. In my last post, I talked about my student loan financial epiphany of $300,000. I also talked about how it led me to do something that I thought I would never do… read a book about finance! I first started out …

PTFO: The First Step

Every PTFO journey begins with a first step, and mine happened during residency. Specifically, it happened during the last year of my residency. I was a few short months away from graduating when a thought entered my head. I thought “I guess I should take a look at my loans since I’m gonna have to …

The Journey Begins.. Sort Of

Hey there! I'm Some Random Guy Online. If you’re starting here, please take a few minutes to learn about me and the point this blog. Now that that’s taken care of, we can get this party started. As you already know, I am a physician. I wasn’t born that way, though. I went to college …