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Pick your niche / Niche moments
Physicians and dentists

10 moments for physicians and dentists.

Name the moment, not the job title. Each one has a hook line to open a post or video with, its ringtone (the letter, bill or date people react to before they think) and what's at stake.

  1. Matched into residency

    “You matched. Your loans keep growing through residency unless you pick a plan this month.”
    Ringtone
    Match Day letter
    What's at stake
    Residency is when an income-driven plan and PSLF eligibility get set up, and when disability insurance is cheapest.
  2. Buying disability insurance in training

    “Residents: own-occupation disability insurance is cheapest before your first attending paycheck.”
    Ringtone
    A broker email offering a resident discount
    What's at stake
    Your future income is your biggest asset; locking in coverage while young and healthy matters.
  3. First attending contract

    “Your first attending contract has a non-compete on page 9. Read it before the signing bonus.”
    Ringtone
    The employment contract
    What's at stake
    Salary, RVUs, tail coverage, non-competes and loan repayment terms set the next decade.
  4. The first attending paycheck

    “Your first attending paycheck is 4x your resident pay. Live like a resident for two more years.”
    Ringtone
    The first attending pay stub
    What's at stake
    The jump in income is the best moment to pay down loans and save before lifestyle catches up.
  5. PSLF or refinance

    “Working at a nonprofit hospital with $300K of loans? Don't refinance until you've run the PSLF numbers.”
    Ringtone
    The refinance offer in your inbox
    What's at stake
    Refinancing federal loans ends PSLF eligibility permanently.
  6. Buying into a practice

    “Offered partnership in the practice? The buy-in price is only the start of the math.”
    Ringtone
    The partnership offer
    What's at stake
    Buy-in terms, valuation, debt and the payback period determine whether partnership pays off.
  7. Physician mortgage and first home

    “A physician loan lets you buy with 0% down. That doesn't mean you should buy the biggest house.”
    Ringtone
    The physician mortgage pre-approval
    What's at stake
    Easy credit early in a career can lock in a house payment before the plan is ready.
  8. Leaving employment for private practice

    “Thinking about going independent? Your 403(b), malpractice tail and benefits all change.”
    Ringtone
    Resignation from the health system
    What's at stake
    Tail coverage, retirement plans and cash flow change when you leave an employer.
  9. Selling the practice

    “Selling your practice to a private equity group? The structure of the deal matters more than the headline price.”
    Ringtone
    A letter of intent
    What's at stake
    Earnouts, rollover equity, employment terms and taxes decide what you keep.
  10. Winding down clinical work

    “Stepping back from call at 60? Your income drops before your expenses do.”
    Ringtone
    The last call schedule
    What's at stake
    Part-time years are a window for Roth conversions and planning the full retirement.

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General education, not financial advice. Check rules and figures against current law before you publish.