Phase 0
First-salary ready
A practical first-salary plan that protects your essentials, future and freedom.
The golden window
Use your first salary as a design decision, not a spending cue.
Create systems that still work through long calls and life changes.
Make progress alongside doctors navigating the same season.
A three-year runway
Phase 0
A practical first-salary plan that protects your essentials, future and freedom.
Year 1
A complete household balance sheet, income statement and intentional budget.
Year 2
A tested plan for income beyond the 50% baseline—without sacrificing clinician health.
Year 3
A clear growth thesis or practice plan grounded in real numbers and your values.