See exactly how strategic financial planning transforms a physician's career earnings into lasting wealth.
Interactive playbook showing year-by-year wealth building from age 30 to retirement
This isn't theory. This is the actual wealth trajectory of a physician who earns $300K, starts with $400K in student loans, and follows a strategic financial plan.
The difference between intentional wealth building and hoping it works out
Every physician's journey has key turning points. Here's where strategic decisions compound into life-changing results.
Fresh attending, high income but underwater from training debt. Most physicians stay here too long.
Two children, building emergency fund gradually while aggressively paying down debt and maxing retirement accounts.
Emergency fund fully funded at $75K. Net worth crosses $1.6M. The hard years of sacrifice are working.
The turning point every physician dreams of"”monthly discretionary income turns positive for the first time.
Debt free after 17 years. Monthly discretionary jumps to $4,029. Wealth building accelerates dramatically.
No debt, strong cash flow, investments compounding. The wealth machine is running smoothly.
Peak earning years. Investments from 20+ years of disciplined saving are compounding dramatically.
Mission accomplished. From -$73K at 30 to $13.9M at 65. True financial independence achieved.
These aren't secrets"”they're disciplined execution of proven wealth-building principles
$395K lifetime tax savings. Max out 401(k), HSA, backdoor Roth IRA from day one. Every year you delay costs tens of thousands in lost tax benefits and compounding.
Paid off by age 47. Balanced approach: aggressive paydown while still investing. Not so aggressive it prevents wealth building, not so slow it accumulates interest needlessly.
3 properties generating income. House hack during residency/fellowship, keep as rentals. Primary residence purchased strategically with physician mortgage. Long-term wealth building through leverage.
15-22% savings rate maintained. Even during peak childcare years. The magic isn't perfect timing"”it's persistent saving year after year while lifestyle stays controlled.
Build wealth beyond retirement accounts. After maxing 401(k), HSA, and IRAs, systematic investing in low-cost index funds in taxable accounts. Provides flexibility and additional compounding outside retirement age restrictions.
529 plans + kids' Roth IRAs. $3K per child growing to $10K as income increases. Kids' Roth IRAs starting at age 10. Generational wealth building starts early.
Own assets, not liabilities. Strategic allocation to businesses, real estate syndications, or other alternative investments. The name of the game is building multiple income streams and owning appreciating assets across different asset classes.
Not sacrificing everything. Budget includes travel, hobbies, quality childcare. The goal isn't misery"”it's building wealth while actually enjoying your career and family life.
When you work with Consigliere MD, these aren't conceptual—you get the actual tools and ongoing guidance
Excel playbook built specifically for your salary, debt, family situation, and goals
PowerPoint presentation of your complete financial strategy
We don't just create the plan"”we help you execute it
This example shows what's possible with strategic planning. Your playbook will be customized to your specific salary, debt, family situation, and goals.