{"id":342581,"date":"2025-10-23T21:04:06","date_gmt":"2025-10-24T03:04:06","guid":{"rendered":"https:\/\/www.whitecoatinvestor.com\/debt\/"},"modified":"2025-10-23T21:04:06","modified_gmt":"2025-10-24T03:04:06","slug":"debt","status":"publish","type":"page","link":"https:\/\/www.whitecoatinvestor.com\/debt\/","title":{"rendered":"Physicians Guide to Getting Out of Debt"},"content":{"rendered":"<section class=\"hero get-out-of-debt\">\n<div class=\"container\">\n<div class=\"row\">\n<div class=\"col-lg-10 col-xl-8 mx-auto hero-content text-center\">\n    <i class=\"ikon ikon-orange ikon-xxl ikon-coins mb-4\"><\/i><\/p>\n<h1>Get Out of Debt<\/h1>\n<div class=\"headline-underscore mx-auto\"><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<section class=\"white\">\n<div class=\"container\">\n<div class=\"row\">\n<div class=\"col-lg-10 col-xl-8 mx-auto\">\n<p class=\"mb-3 mt-0\">\n     Doctors are way too comfortable with debt.<\/p>\n<p>For most physicians, getting through the training pipeline puts you in a deep financial hole. And while your family and society tell you you\u2019re rich, you\u2019re actually one of the poorest people in the country due to your negative net worth. By the time you\u2019re finished with training, you could owe hundreds of thousands of dollars. The good news is that with a high income, you have a large shovel to dig out of debt, and if you put your mind to it, you can get rid of your debt and start building wealth quite rapidly.\n    <\/p>\n<div class=\"text-center mt-4\">\n     <iframe title=\"YouTube video player\" src=\"https:\/\/www.youtube.com\/embed\/fpYxYI7vHso\"  class=\"youtube-container\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe>\n    <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<section class=\"gray\">\n<div class=\"container\">\n<div class=\"row\">\n<div class=\"col-lg-10 col-xl-8 mx-auto\">\n<h2 class=\"text-darkblue\">Live Like a Resident Is Key to Get Out of Debt<\/h2>\n<div class=\"headline-underscore\"><\/div>\n<p>\n     The most important year in a physician\u2019s financial life is their first year out of training, and some of the most important advice that can be given is contained in just four words.\n    <\/p>\n<div class=\"h6 text-orange text-center my-4\">Live Like a Resident<\/div>\n<p>\n     The meaning of those four words is that if you can carve out a massive difference between your newfound high income and your lifestyle, you can build wealth rapidly. You can max out <a href=\"\/comparing-retirement-accounts\/\" target=\"_blank\" rel=\"noopener\">retirement accounts<\/a>, pay off student loans, save up a down payment on a dream house, build an emergency fund, upgrade your car, and pay off your consumer debt all at the same time.<\/p>\n<p>Within 2-5 years, your net worth may swing from negative $200,000 to positive $500,000. At that point, you can mostly grow into your income (while still saving 20% of gross for retirement) and have a financially awesome life. The easiest time to live like a resident is right after you have HAD to live like a resident. You're already used to living on $50,000-$70,000 (the average American household income). It's really not that hard to do it for a little while longer.<\/p>\n<p>However, the truth is that almost no white coat investors live exactly like a resident. Most inflate their lifestyle a little. A little lifestyle creep is probably OK. Heck, give yourself a 50% raise. What you're trying to avoid, however, is a <a href=\"\/what-a-lifestyle-explosion-looks-like\/\" target=\"_blank\" rel=\"noopener\">lifestyle explosion<\/a>. If your spending quadruples when you leave residency, you blew a golden wealth-building opportunity. And it's really hard to go back.\n    <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<section class=\"white\">\n<div class=\"container\">\n<div class=\"row\">\n<div class=\"col-lg-10 col-xl-8 mx-auto\">\n<h2 class=\"text-darkblue\">You Need a Student Loan Plan<\/h2>\n<div class=\"headline-underscore mb-3\"><\/div>\n<p class=\"mt-3\">\n     The biggest hurdle most physicians face are large student loans. Seeing the dollar figure of these loans can be paralyzing, and with an overwhelming amount of government programs changes, it\u2019s far too easy to ignore your loans. Do not do that. You need a plan. Most doctors who apply the live-like-a-resident approach can get out of student loan debt AND hit other financial goals within 2-5 years out of training. You can do that, too.\n    <\/p>\n<div class=\"row mt-5\">\n<div class=\"col-lg-4 text-center\">\n      <img decoding=\"async\" src=\"https:\/\/static.whitecoatinvestor.com\/images\/podcast-icon-m2m.jpg\" class=\"podcast-icon img-fluid mb-4\" style=\"width:90%;height:auto\">\n     <\/div>\n<div class=\"col-lg-8\">\n<div class=\"eyebrow\" style=\"line-height:30px\">MILESTONES TO MILLIONAIRE PODCAST<\/div>\n<p class=\"mb-3\">\n       If you need motivation, The White Coat Investor Milestones to Millionaire Podcast features doctors and other high income professionals getting out of debt.\n      <\/p>\n<p class=\"mb-2\">\n       <b>Listen to the podcast<\/b>\n      <\/p>\n<div>\n       <a href=\"https:\/\/podcasts.apple.com\/us\/podcast\/id1197082547\" target=\"_blank\" class=\"btn btn-darkBlue-outline me-3 btn-podcast\" rel=\"noopener\"><i class=\"ikon ikon-xs ikon-apple me-1\"><\/i>Apple<\/a><br \/>\n       <a href=\"https:\/\/open.spotify.com\/show\/6jzZosmsgSZtQAOh1GbJBd\" target=\"_blank\" rel=\"noopener\" class=\"btn btn-darkBlue-outline btn-podcast\"><i class=\"ikon ikon-xs ikon-spotify me-1 float-start\"><\/i>Spotify<\/a>\n      <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>\n    Want to celebrate your milestone? Apply to be a guest! <br \/>\n    <a href=\"\/milestonestomillionaire\/\" class=\"btn btn-primary mt-3\">Milestones to Millionaire Podcast<\/a>\n   <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<section class=\"gray\">\n<div class=\"container\">\n<div class=\"row\">\n<div class=\"col-lg-10 col-xl-8 mx-auto\">\n<div class=\"row align-items-center\">\n<div class=\"col-lg-8\">\n<div class=\"eyebrow\">EXPERT HELP FROM<\/div>\n<h2 class=\"text-darkblue\">Student Loan Advice<\/h2>\n<div class=\"headline-underscore\"><\/div>\n<p class=\"mt-3\">\n       If figuring out a plan to pay off your student loans is overwhelming, we have help for you. In 2021, we partnered with Andrew Paulson, Certified Student Loan Professional (CSLP), to open Student Loan Advice. For less than $600, SLA will meet with you online, review your student loan situation, and create a blueprint to optimize your student loan management plan until they\u2019re paid off or forgiven. Then, the SLA team will be available to you by email for one year afterward to make sure you\u2019re completely satisfied and on the right track. <\/p>\n<p>      Need further proof that partnering with SLA is the right move? The average SLA client saves $160,000 on their student loans.<\/p>\n<p>      <a href=\"https:\/\/studentloanadvice.com\/\" class=\"btn btn-primary d-none d-lg-inline-block\" target=\"_blank\" rel=\"noopener\">Student Loan Advice<\/a>\n      <\/p>\n<\/p><\/div>\n<div class=\"col-lg-4 text-center\">\n      <img decoding=\"async\" src=\"https:\/\/static.whitecoatinvestor.com\/images\/logo-student-loan-advice.svg\" clas=\"img-fluid\"><br \/>\n      <a href=\"https:\/\/studentloanadvice.com\/\" class=\"btn btn-primary mt-3 d-lg-none\" target=\"_blank\" rel=\"noopener\">Student Loan Advice<\/a>\n     <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<section class=\"darkblue\">\n<div class=\"container\">\n<div class=\"row\">\n<div class=\"col-lg-12 text-center text-white\">\n<h2 class=\"text-white\">Take Control of Your Financial Life<\/h2>\n<div class=\"headline-underscore centered\"><\/div>\n<p class=\"my-4\">Enroll in WCI Financial Boot Camp, a FREE educational email series, and learn to convert your high income to wealth<\/p>\n<div class=\"ck-form-container\">\n     \t\t<div class=\"row wci-ck-signup justify-content-center\">\n\t\t\t<div class=\"col-lg-7\">\n\t\t\t\t<form id=\"wci-ck-form-5622578\" class=\"d-lg-flex\" data-sv-form=\"5622578\">\n\t\t\t\t\t<input name=\"email\" type=\"email\" id=\"wci-ck-form-email-5622578\" class=\"form-control d-block d-lg-inline-block flex-grow-1 mb-3 mb-lg-0 mx-auto mx-lg-2\" placeholder=\"Email Address\" \/>\n\t\t\t\t\t<input type=\"submit\" class=\"btn btn-primary mx-2\" style=\"white-space:nowrap;\" id=\"wci-ck-form-submit-5622578\" value=\"Start Here\" \/>\n\t\t\t\t<\/form>\n\t\t\t<\/div>\n\t\t<\/div>\n\n        <div class=\"wci-ck-signup thank-you\">\n            <h5 class=\"eyebrow\">You're all set!<\/h5>\n            <p>You can unsubscribe anytime using the link at the bottom of any email.<\/p>\n        <\/div>\n\n\t\t<script>\n            jQuery('#wci-ck-form-5622578').on('submit', (e) => {\n\t\t\t\te.preventDefault();\n                const email = jQuery('#wci-ck-form-email-5622578').val();\n                if(email && \/(.+)@(.+){2,}\\.(.+){2,}\/.test(email)){\n                    fetch('https:\/\/api.convertkit.com\/v3\/forms\/5622578\/subscribe', {\n                        method: \"POST\",\n                        headers: { \"Content-Type\": \"application\/json; charset=utf-8\" },\n                        body: JSON.stringify({ api_key: '0AMKyMtso2Lf2MgcoenhEg', email })\n                    })\n                    .then(response => response.json())\n                    .then(data => {\n                        jQuery('.wci-ck-signup').hide();\n                        jQuery('.wci-ck-signup.thank-you').show();\n                    })\n                    .catch(error => {\n                        alert('We were unable to subscribe you. Please try again later.');\n                    });\n                } else {\n                    alert('Please provide a valid email.');\n                }\n            });\n        <\/script>\n\n\t\n    <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<section class=\"white\">\n<div class=\"container\">\n<div class=\"row\">\n<div class=\"col-lg-10 col-xl-8 mx-auto\">\n<h2 class=\"text-darkblue\">Should Doctors Pay Off Debt or Invest?<\/h2>\n<div class=\"headline-underscore\"><\/div>\n<p class=\"my-3\">\n     Perhaps the best advice is to avoid extreme positions. Most of the time, there is no right answer, but maybe 5% of the time, there is. If you're giving up an employer match to pay off debt, you're making a mistake and basically leaving part of your salary on the table. If you're carrying credit card debt with a 30% interest rate in hopes that your investments will outperform it, you're making a mistake. But for just about everything else in between, it might make sense to invest but where it could also make sense to pay off debt\u2014no matter what kind of debt that might be.\n    <\/p>\n<div class=\"text-center mt-4\">\n     <iframe title=\"YouTube video player\" src=\"https:\/\/www.youtube.com\/embed\/LVtyIVphrUI\"  class=\"youtube-container\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe>\n    <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<section class=\"gray\">\n<div class=\"container\">\n<div class=\"row\">\n<div class=\"col-lg-10 col-xl-8 mx-auto\">\n<h2 class=\"text-darkblue\">How to Pay Off Your Debt<\/h2>\n<div class=\"headline-underscore\"><\/div>\n<p class=\"my-3\">\n     After you\u2019ve tripled or quadrupled or even 10x\u2019d your salary following your residency graduation, you\u2019ll surely have plenty of uses for your new attending salary. But that debt isn\u2019t going away, and you need to prioritize how to get rid of it while still finding ways to build wealth.<\/p>\n<p>You can do that by following the attending waterfall, which you can see below. After increasing disability insurance, doing some estate planning, starting an emergency fund, and building a plan for your student loans, these are the next steps you take:\n    <\/p>\n<ul class=\"bullets\">\n<li><b>Get any employer match:<\/b> Your employer might be trying to give you extra money. Let them.<\/li>\n<li><b>Pay off high-interest debt:<\/b> We\u2019re talking about 8% or more. This \u201cinvestment\u201d comes with a high rate of return that\u2019s also guaranteed.<\/li>\n<li><b>Max out available retirement accounts:<\/b> Do this before you start tackling lower-interest debt.<\/li>\n<li><b>Invest in assets with high expected returns:<\/b> This could be stocks. It could be real estate. There is risk here, but hopefully, you\u2019ll make better than an 8% return.<\/li>\n<li><b>Pay off moderate-interest debt:<\/b> We\u2019re talking about debt in the 5%-8% range. <\/li>\n<li><b>Invest in assets with moderate expected returns:<\/b> If you can make something like 5%-6% on an investment, it can make sense to put money there instead of quickly paying off a 2% loan.<\/li>\n<li><b>Pay off low-interest rate debt:<\/b> We\u2019re talking about debt in the 1%-3% range.<\/li>\n<\/ul>\n<p class=\"my-3\">\n     There\u2019s more nuance and options if you look at the attending waterfall below, but the above list is a great place to start thinking about how to pay off your debt.\n    <\/p>\n<p class=\"text-center\">\n     <a href=\"https:\/\/static.whitecoatinvestor.com\/images\/attending-waterfall.jpg\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/static.whitecoatinvestor.com\/images\/attending-waterfall.jpg\" class=\"col-10 col-lg-6\"><\/a><br \/>\n     <a href=\"https:\/\/static.whitecoatinvestor.com\/images\/attending-waterfall.jpg\" target=\"_blank\" class=\"fs-6 text-gray\">Click to Zoom In<\/a>\n    <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<section class=\"white\">\n<div class=\"container\">\n<div class=\"row\">\n<div class=\"col-lg-12\">\n<div class=\"eyebrow\">The WCI Podcast<\/div>\n<h2 class=\"text-darkblue\">Featured Episodes on Getting Out of Debt<\/h2>\n<div class=\"headline-underscore\"><\/div>\n<div class=\"row\">\n     \t\t\t\t\t<div class=\"col-lg-4 mb-4 mb-lg-0\">\n\t\t\t\t\t\t<a href=\"\/michelle-singletary-avoiding-debt-and-giving-back\"><div class=\"featured-podcast-thumbnail\" style=\"background-image:url('https:\/\/i.ytimg.com\/vi\/NAErT-S6Jo4\/sddefault.jpg');\" alt=\"Avoiding Debt and Giving Back with Michelle Singletary\"><\/div><\/a>\n\t\t\t\t\t\t<span class=\"text-blue\">December 23, 2021<\/span><br>\n\t\t\t\t\t\t<a href=\"https:\/\/youtube.com\/watch?v=NAErT-S6Jo4\" class=\"btn btn-sm btn-darkBlue-outline me-2 \" target=\"_blank\" title=\"Watch on YouTube\"><i class=\"ikon ikon-xxs ikon-watch-solid me-1\"><\/i>Watch<\/a>\n\t\t\t\t\t\t<a href=\"https:\/\/play.libsyn.com\/embed\/episode\/id\/21573788\" class=\"btn btn-sm btn-darkBlue-outline \" target=\"_blank\"><i class=\"ikon ikon-xxs ikon-listen-solid me-1\"><\/i>Listen<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"col-lg-4 mb-4 mb-lg-0\">\n\t\t\t\t\t\t<a href=\"\/invest-or-pay-off-debt\"><div class=\"featured-podcast-thumbnail\" style=\"background-image:url('https:\/\/i.ytimg.com\/vi\/LVtyIVphrUI\/sddefault.jpg');\" alt=\"Pay Off Debt or Invest?\"><\/div><\/a>\n\t\t\t\t\t\t<span class=\"text-blue\">November 4, 2021<\/span><br>\n\t\t\t\t\t\t<a href=\"https:\/\/youtube.com\/watch?v=LVtyIVphrUI\" class=\"btn btn-sm btn-darkBlue-outline me-2 \" target=\"_blank\" title=\"Watch on YouTube\"><i class=\"ikon ikon-xxs ikon-watch-solid me-1\"><\/i>Watch<\/a>\n\t\t\t\t\t\t<a href=\"https:\/\/play.libsyn.com\/embed\/episode\/id\/21024770\" class=\"btn btn-sm btn-darkBlue-outline \" target=\"_blank\"><i class=\"ikon ikon-xxs ikon-listen-solid me-1\"><\/i>Listen<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"col-lg-4 mb-4 mb-lg-0\">\n\t\t\t\t\t\t<a href=\"\/good-debt-bad-debt-podcast-76\"><div class=\"featured-podcast-thumbnail\" style=\"background-image:url('https:\/\/i.ytimg.com\/vi\/0JNCBvrxlV0\/sddefault.jpg');\" alt=\"Good Debt and Bad Debt\"><\/div><\/a>\n\t\t\t\t\t\t<span class=\"text-blue\">October 18, 2018<\/span><br>\n\t\t\t\t\t\t<a href=\"https:\/\/youtube.com\/watch?v=0JNCBvrxlV0\" class=\"btn btn-sm btn-darkBlue-outline me-2 \" target=\"_blank\" title=\"Watch on YouTube\"><i class=\"ikon ikon-xxs ikon-watch-solid me-1\"><\/i>Watch<\/a>\n\t\t\t\t\t\t<a href=\"https:\/\/play.libsyn.com\/embed\/episode\/id\/7159377\" class=\"btn btn-sm btn-darkBlue-outline \" target=\"_blank\"><i class=\"ikon ikon-xxs ikon-listen-solid me-1\"><\/i>Listen<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n    <\/div>\n<div class=\"row mt-lg-3\">\n<div class=\"col-12\">\n      <a href=\"\/wci-podcast\" class=\"orange\"><\/p>\n<h4 class=\"d-inline\">See All <span class=\"total-podcast-count\">400+<\/span> Episodes<\/h4>\n<p><\/a>\n     <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<section class=\"gray\">\n<div class=\"container\">\n<div class=\"row\">\n<div class=\"col-lg-10 col-xl-8 mx-auto\">\n<h2 class=\"text-darkblue\">Getting Out of Debt Resources<\/h2>\n<div class=\"headline-underscore\"><\/div>\n<p class=\"my-3\">\n<ul class=\"link-list\">\n<li><a href=\"\/live-like-a-resident\/\">Live Like a Resident<\/a><\/li>\n<li><a href=\"\/live-like-a-resident-build-wealth\/\">Living Like a Resident Is the Answer<\/a><\/li>\n<li><a href=\"\/what-does-live-like-a-resident-really-mean\/\">What Does Live Like a Resident Really Mean?<\/a><\/li>\n<li><a href=\"\/ultimate-guide-to-student-loan-debt-management-for-doctors\/\">Student Loans 101: Ultimate Guide to Student Loans<\/a><\/li>\n<li><a href=\"\/minimize-the-cost-of-your-student-loans\/\">Minimize the Cost of Your Student Loans<\/a><\/li>\n<li><a href=\"\/how-to-pay-off-a-student-loan-debt\/\">How to Pay Off a Big Undergraduate Student Loan Debt<\/a><\/li>\n<li><a href=\"\/how-fast-can-you-get-out-of-debt\/\">How Fast Can You Get Out of Debt?<\/a><\/li>\n<li><a href=\"\/pay-off-debt-or-invest\/\">Should You Pay Off Debt or Invest?<\/a><\/li>\n<li><a href=\"\/running-up-debt-is-not-okay\/\">Running Up Debt Is Not OK<\/a><\/li>\n<li><a href=\"\/stupid-debts-and-their-doctors\/\">Stupid Debts and Their Doctors<\/a><\/li>\n<li><a href=\"\/recognizing-reality\/\">Recognizing Reality<\/a><\/li>\n<li><a href=\"\/financial-waterfalls-for-new-residents-and-attendings\/\">Financial Waterfalls for New Residents and Attendings<\/a><\/li>\n<li><a href=\"\/6-reasons-the-rich-should-pay-off-their-mortgage-early\/\">6 Reasons the Rich Should Pay Off Their Mortgages Early<\/a><\/li>\n<li><a href=\"\/the-wrong-way-to-think-about-debt\/\">The Wrong Way to Think About Debt<\/a><\/li>\n<li><a href=\"\/use-debt-to-your-advantage\/\">How to Leverage Debt. Best Ways to Use Debt to Your Advantage<\/a><\/li>\n<\/ul>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n\n<section class=\"white learn\">\n\t<div class=\"container\">\n\t\t<div class=\"row\">\n\t\t\t<div class=\"col-xxl-10 mx-auto text-center\">\n\t\t\t\t<h2 class=\"text-blue\">What Do You Want to Learn About?<\/h2>\n\t\t\t\t<div class=\"row justify-content-start justify-content-lg-center my-4 learn-icons row-cols-3 row-cols-md-4 row-cols-lg-5 row-cols-xl-auto g-4\">\n\t\t\t\t\t<div class=\"col px-2 px-md-4\">\n\t\t\t\t\t\t<a href=\"\/invest\/\">\n\t\t\t\t\t\t\t<i class=\"ikon ikon-invest ikon-orange ikon-md\" alt=\"Invest\"><\/i><br>\n\t\t\t\t\t\t\tInvest\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"col px-2 px-md-4\">\n\t\t\t\t\t\t<a href=\"\/debt\/\">\n\t\t\t\t\t\t\t<i class=\"ikon ikon-coins ikon-orange ikon-md\" alt=\"Get Out of Debt\"><\/i><br>\n\t\t\t\t\t\t\tGet out<br>of Debt\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"col px-2 px-md-4\">\n\t\t\t\t\t\t<a href=\"\/budget\/\">\n\t\t\t\t\t\t\t<i class=\"ikon ikon-money ikon-orange ikon-md\" alt=\"Budget and Spending\"><\/i><br>\n\t\t\t\t\t\t\tBudget &<br>Spending\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"col px-2 px-md-4\">\n\t\t\t\t\t\t<a href=\"\/asset-protection\/\">\n\t\t\t\t\t\t\t<i class=\"ikon ikon-protect-money ikon-orange ikon-md\" alt=\"Asset Protection\"><\/i><br>\n\t\t\t\t\t\t\tAsset<br>Protection\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"col px-2 px-md-4\">\n\t\t\t\t\t\t<a href=\"\/home-buying\/\">\n\t\t\t\t\t\t\t<i class=\"ikon ikon-housing ikon-orange ikon-md\" alt=\"Buy a Home\"><\/i><br>\n\t\t\t\t\t\t\tBuy a<br>Home\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"col px-2 px-md-4\">\n\t\t\t\t\t\t<a href=\"\/retirement\/\">\n\t\t\t\t\t\t\t<i class=\"ikon ikon-retirement ikon-orange ikon-md\" alt=\"Retirement\"><\/i><br>\n\t\t\t\t\t\t\tRetirement\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"col px-2 px-md-4\">\n\t\t\t\t\t\t<a href=\"\/make-more-money\/\">\n\t\t\t\t\t\t\t<i class=\"ikon ikon-invest ikon-orange ikon-md\" alt=\"Make More $\"><\/i><br>\n\t\t\t\t\t\t\tMake<br>More $\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"col px-2 px-md-4\">\n\t\t\t\t\t\t<a href=\"\/reduce-taxes\/\">\n\t\t\t\t\t\t\t<i class=\"ikon ikon-tax-services ikon-orange ikon-md\" alt=\"Reduce Taxes\"><\/i><br>\n\t\t\t\t\t\t\tReduce<br>Taxes\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<h4 class=\"text-orange d-none d-lg-block\">Do You Need a Financial Professional? 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By the time [&hellip;]","protected":false},"author":1009053,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-blank.php","meta":{"_acf_changed":false,"_wp_convertkit_post_meta":{"form":"-1","landing_page":"0","tag":"0","restrict_content":"0"},"footnotes":""},"class_list":["post-342581","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Physicians Guide to Getting Out of Debt | White Coat Investor<\/title>\n<meta name=\"description\" content=\"Most physicians emerge from training with significant debt, often feeling financially strained despite society&#039;s perception of wealth. 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