In this episode, we’re diving into insurance for new doctors, with a focus on disability insurance. Even though your resident salary might be modest, protecting your ability to earn an income over the long term is incredibly important.

If you’re transitioning from medical school into intern year, this is one decision process you’ll want to understand early.

In part two of this eight-episode post-Match series, we’re talking about private student loans. Unlike federal loans, private loans don’t come with the same protections or forgiveness programs, which means the strategy during residency looks very different.

The key takeaway: during residency, your goal isn’t to crush the debt immediately. It’s to manage cash flow, understand your loan terms, and position yourself to handle the debt effectively once attending income arrives.

In this first episode I walk through one of the most important financial steps you can take right now: managing your federal student loans before residency begins.

We talk about why e-filing your tax return matters, how to potentially qualify for $0 payments, when consolidation might make sense, and how these decisions can affect Public Service Loan Forgiveness down the road.

If you’re about to start residency, this episode will help you make a few smart moves now that can simplify your finances during training.