Just in my 4th year now. Definitely have looked at whitecoatinvestor and have been aggressively (most would say too aggressively) implementing financial best practices for awhile now. Still, despite having had a full ride to undergrad, worked since I was 16, and having had a side gig in med school, the debt is enormous. PSLF and REPAYE should get me through, but quite a few of my colleagues are in worse shape, and other career paths would have had much higher ROI. Workers everywhere are getting a raw deal, docs included. Capital defeats labor by a landslide.