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    For residents and fellows

    Intern year (PGY-1) through fellowship: loan repayment during training, moonlighting, and choosing your first attending job.

    Match Day money plan

    Take-home pay in the state you matched, cash before the first paycheck, and loan dates.

    Resident pay per hour, and union dues

    True hourly wage on 60–80 hour weeks, unpaid overtime, and dues vs. contract gains.

    Union contract benchmarks

    Landmark provisions from CIR/SEIU and HOA collective bargaining agreements.

    Starting residency

    Match Day to July 1: training licenses by state, credentialing, the move and loan timing.

    Loan repayment comparison

    RAP, IBR and Tiered Standard side by side.

    Contract checker

    Find and quote the clauses in an offer, in your browser.

    Non-compete laws by state

    What your state allows, with citations.

    Moving into and out of this stage

    1. The Match and the residency agreementSubmitting a rank order list, matching, and signing the residency (GME) agreement.
    2. From residency to the first attending contractSigning the first attending employment contract.
    3. Parental, medical and caregiver leave, and coming backTaking medical, parental, caregiving or mental-health leave, and returning to work.

    All moves, med school to late career

    Residents59 articles for residents and fellows

    1. Resident Unionization: Labor Rights, Due Process, and GME Contracts

      Andwise Team · Explainer

      StudentsResidentsEarly career
    2. Resilience: A Dirty Word in the Medical Profession

      Kanav Jain · Perspective

      StudentsResidentsEarly careerMid career
    3. Workplace Discrimination: What You Can Do if You've Been Unfairly Targeted

      Chuck Kable, JD · Explainer

      StudentsResidentsEarly careerMid career
    4. Financial Planning Simplified for Physicians: Harnessing "The Index Card" Approach

      Tanya Frias, CFP®, ChSNC® · Book notes

      StudentsResidentsEarly careerMid career
    5. 10 Financial Traps Every Doctor Falls Into – And How to Avoid Them

      Andwise Team · Explainer

      StudentsResidentsEarly careerMid career
    6. Securing Parental Leave: A Comprehensive Guide for Physician Parents

      Chuck Kable, JD · Explainer

      ResidentsEarly careerMid career
    7. Shield Your Finances: How Physicians Can Avoid Common Financial Pitfalls

      Kanav Jain · Explainer

      StudentsResidentsEarly careerMid career
    8. Independent Practice Right Out of Residency: A Calculated Leap or a Risky Venture

      Ishmael Williams (Andwise Team) · Explainer

      ResidentsEarly careerMid career
    9. From Debt to Wealth: The Financial Turnaround Plan for Physicians

      Andwise Team · Explainer

      StudentsResidentsEarly careerMid career
    10. Rediscovering the Passion: Why Physicians Deserve Financial Literacy Resources

      Kanav Jain · Perspective

      StudentsResidentsEarly careerMid career
    11. Mastering Tax Planning: A Year-Round Guide for Employed Physicians

      Tanya Frias, CFP®, ChSNC® · Explainer

      ResidentsEarly careerMid career
    12. Physician Side Hustles: A Practical Guide to Legal Compliance

      Chuck Kable, JD · Explainer

      ResidentsEarly careerMid career
    13. Understanding Your Leverage as a New Attending

      Chuck Kable, JD · Explainer

      ResidentsEarly career
    14. Mastering Financial Wellness for Physicians: Lessons from "Predictably Irrational"

      Tanya Frias, CFP®, ChSNC® · Book notes

      ResidentsEarly careerMid career
    15. Whistleblowing as a Medical Resident: Protecting Patients

      Chuck Kable, JD · Explainer

      Residents
    16. Navigating Financial Health for Physicians: Insights from "Nudge"

      Tanya Frias, CFP®, ChSNC® · Book notes

      ResidentsEarly careerMid career
    17. The Power of "No": Setting Boundaries and Asserting Your Rights in the Workplace

      Chuck Kable, JD · Perspective

      ResidentsEarly careerMid career
    18. Bridging Financial Wisdom: Applying "Rich Dad Poor Dad" Principles to the Medical Profession

      Tanya Frias, CFP®, ChSNC® · Book notes

      StudentsResidentsEarly careerMid career
    19. Closing the ‘Behavior Gap’: Financial Strategies for Physicians from Carl Richards' Insights

      Tanya Frias, CFP®, ChSNC® · Book notes

      ResidentsEarly careerMid career
    20. Strategic Wealth-Building for Physicians: "The Millionaire Next Door" by Thomas J. Stanley and William D. Danko

      Tanya Frias, CFP®, ChSNC® · Book notes

      StudentsResidentsEarly careerMid career
    21. Investing Simplified: How Physicians Can Use "A Random Walk Down Wall Street" to Their Advantage

      Tanya Frias, CFP®, ChSNC® · Book notes

      ResidentsEarly careerMid career
    22. Mastering Personal Finance with "Your Money or Your Life"

      Tanya Frias, CFP®, ChSNC® · Book notes

      ResidentsEarly careerMid career
    23. Strategic Reframing: Negotiation Techniques for Physicians

      Chuck Kable, JD · Explainer

      ResidentsEarly careerMid career
    24. The Importance of Simplifying Your Financial Accounts

      Varun Verma, MD · Perspective

      StudentsResidentsEarly careerMid career
    25. Guide to Disability Insurance for Physicians in 2024

      Andwise Team · Explainer

      ResidentsEarly careerMid career
    26. Loud Budgeting for Early-Career Physicians: Building Financial Wellness Together

      Tanya Frias, CFP®, ChSNC® · Explainer

      ResidentsEarly careerMid career
    27. Gearing up for Residency: Essential Tips for a Smooth Transition

      Dhruvil Patel, MD · Explainer

      StudentsResidents
    28. The Match Doesn't Define You

      Varun Verma, MD · Perspective

      StudentsResidents
    29. Returning To Work After Parental Leave

      Varun Verma, MD · Explainer

      ResidentsEarly careerMid career
    30. Celebrating Women in Medicine: Their Journey to Financial Freedom with Andwise

      Andwise Team · Perspective

      StudentsResidentsEarly careerMid career
    31. A Guide for Physician Spouses and Partners: Navigating the Financial and Legal Labyrinth

      Kanav Jain · Explainer

      ResidentsEarly careerMid career
    32. Conquering Student Debt: Insights from a PGY-1

      Dhruvil Patel, MD · Perspective

      StudentsResidents
    33. What Do Physicians Need to Know about Modern Portfolio Theory?

      Varun Verma, MD · Explainer

      ResidentsEarly careerMid career
    34. Physicians: Guarding Your Finances Against Tax Scams

      Andwise Team · Explainer

      ResidentsEarly careerMid career
    35. What Doctors Are Using for Budgeting and Net Worth Tracking

      Andwise Team · Explainer

      StudentsResidentsEarly careerMid career
    36. The Pareto Principle

      Varun Verma, MD · Explainer

      StudentsResidentsEarly careerMid career
    37. Overcoming FOMO in Personal Finance: Stay True to Your Financial Path

      Varun Verma, MD · Perspective

      StudentsResidentsEarly careerMid career
    38. Why Chasing Credit Card Rewards Is A Waste Of Time For Most Physicians

      Varun Verma, MD · Perspective

      StudentsResidentsEarly careerMid career
    39. Unique Financial Challenges That Physicians Face

      Varun Verma, MD · Explainer

      StudentsResidentsEarly careerMid career
    40. The Power of Personal Finance Education: Helping Family

      Varun Verma, MD · Perspective

      StudentsResidentsEarly careerMid career
    41. Achieving Financial Success as a Dual Physician Couple

      Rikki Racela, MD · Perspective

      ResidentsEarly careerMid career
    42. Switching Specialties During Residency

      Varun Verma, MD · Explainer

      StudentsResidentsEarly career
    43. Unraveling the Mystery of Credit Scores: A Physician's Guide

      Rikki Racela, MD · Explainer

      ResidentsEarly careerMid career
    44. Renting vs. Buying: How to Decide as a New Attending Physician

      Varun Verma, MD · Explainer

      ResidentsEarly careerMid career
    45. Book Review: I Will Teach You To Be Rich by Ramit Sethi

      Varun Verma, MD · Book notes

      StudentsResidentsEarly careerMid career
    46. A Physician's Guide to Building a Well-Diversified Portfolio

      Tanya Frias, CFP®, ChSNC® · Explainer

      ResidentsEarly careerMid career
    47. Managing Your Cash Flow: A Comprehensive Guide to Budgeting for Physicians

      Tanya Frias, CFP®, ChSNC® · Explainer

      ResidentsEarly careerMid career
    48. Maximizing Retirement Savings: Understanding Tax-Advantaged Accounts and Employer Matches

      Tanya Frias, CFP®, ChSNC® · Explainer

      ResidentsEarly careerMid career
    49. Paying Off Debt: Strategies for Physicians with Student Loans, Credit Card Debt, and Other Obligations

      Tanya Frias, CFP®, ChSNC® · Explainer

      ResidentsEarly careerMid career
    50. Money Mindset for Physicians

      Varun Verma, MD · Perspective

      StudentsResidentsEarly careerMid career
    51. The Physician's Guide to Credentialing

      Aalap Shah, MD · Explainer

      ResidentsEarly careerMid career
    52. What Side Gigs Have Taught Me & Why I Recommend Them

      Cherilyn Cecchini, MD · Perspective

      ResidentsEarly careerMid career
    53. Celebrating National Doctors' Day - Highlighting Challenges That Physicians Face

      Varun Verma, MD · Perspective

      ResidentsEarly careerMid career
    54. Preparing for the Unexpected: Emergency Funds for Physicians

      Varun Verma, MD · Explainer

      StudentsResidentsEarly careerMid career
    55. What to look out for in Physician Employment Contracts

      Varun Verma, MD · Explainer

      ResidentsEarly careerMid career
    56. A Medical Student’s First Contract: the GME Residency Agreement

      Dhruvil Patel, MD · Explainer

      StudentsResidentsEarly career
    57. Job Contract Negotiation: Non-Salary Items to Consider

      Jennifer Bepple, MD MMCi · Explainer

      ResidentsEarly careerMid career
    58. How I Lost $50,000 by Relying on My Financial "Advisor": Physician Money Mistakes part 2

      Rikki Racela, MD · Perspective

      ResidentsEarly careerMid career
    59. Choosing your first job as an attending physician

      Andwise Team · Explainer

      ResidentsEarly career

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