If you want to save money in medical school, start with a clear picture of what you have. Medical school is expensive, and for most of us the money coming in is fixed. You get a loan disbursement, divide it across the semester, and that is what you have. There is no raise or bonus
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Before we get into the best side hustles for medical students, one thing upfront: most medical students don’t have much spare time. Between lectures, clinical placements, exam prep, and trying to keep some kind of social life, adding a side hustle on top sounds exhausting. For a lot of people in medicine it isn’t realistic,
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When we started medical school, we knew we were taking on debt. What we did not fully appreciate was how differently that number lands depending on where you study, how you funded it, and what happens to the balance in the years between graduation and your first real paycheque. Most people have a vague sense
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We have talked a lot on this blog about why budgeting matters during medical school. Knowing you should budget and actually doing it are two different things, though, and for medical students a lot of the difference comes down to having an app easy enough that you keep using it. We have tried a few
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Financial planning sounds like something for people who already have money. When we first started hearing about it, our instinct was that it didn’t apply to us yet. We were students living on loans, with no salaries or investment portfolios. What was there to plan? Quite a lot, it turns out. The earlier we started
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Budgeting sounds boring, we know. A simple budget is still one of the most useful tools a medical student has. When you’re trying to survive anatomy lab and memorize the Krebs cycle, sitting down to track every dollar is the last thing you want to do. Not having a budget is far more stressful than
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Medical school is hard enough without money stress on top. Still, medical students make the same financial mistakes again and again during training, and they cost thousands of dollars and years of unnecessary worry. We don’t mean buying coffee or ordering takeout once in a while. We mean bigger decisions with real consequences later on.
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When we started medical school, we were focused on learning medicine: surviving anatomy, passing exams, and eventually becoming good doctors. We didn’t think much about money before medical school, or during it. We knew medical school was expensive and that we’d have loans to deal with eventually. What we didn’t realize was how much the
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When we started medical school, we had no idea what we were doing with money. Financial education for medical students simply was not part of the curriculum. We could tell you the steps of glycolysis. Ask us about student loan repayment strategies, what a Roth IRA was, or how to budget on a tight income,
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