Kendall (Caller from Detroit)

Yes.

Yeah.

Yeah.

Okay, two days before.

Did you know then how powerful it was? Oh, no, no, no, no, no, no, no.

What's going on up there?

Hi, nice to talk with you today.

So I just graduated medical school about a half a year ago. Hey, cool.

Thank you. Um, some about three and a half years left, obviously residency salaries, about 60,000. I have about 220 in student debt, um, but no other debt in my life. Um, so my plan is like, you know, I can't pay off my debt while I'm a resident. I don't make enough, but when I graduate, I was going to live off of like 40,000 pay off my debt in two years.

But my question is, I don't have like any money saved for retirement. and I'll be 33 when I start making six figures. So should I prioritize paying off my debt, or should I start saving more for retirement?

$270,000 to $300,000, most likely. Ooh, Jade.

Listen, I'm excited for you. Thank you.

$220,000?

Yes, nothing else.

So they're on, I'm on an income based repayment plan and also the safe plan. So like typically they gain a thousand dollars a month of interest, but those two plans allow me to pay 233 and the government pays the rest of the interest. So they're not going to grow in residency and I only have to pay 233 a month. But when I graduated, that'll change.

Is it just you, Kendall? Right now, it's just me. I'm still figuring that out.

And I'm not making that up, am I?

Follow the plan.

I don't. My sister went through your program and she normally just talks to me about all of this kind of stuff.