You've probably been told to delay Social Security as long as possible. Is that true? You didn't earn anything until you were 30. Social Security noticed. Four years of medical school at zero income. Three to seven more at a resident's salary. Your college roommate who went into consulting was eleven years into real earnings before you wrote your first attending-level W-2. Social Security's benefit formula does not forgive that. It averages your highest 35 years of Averaged I

Physicians are among the highest-earning professionals, yet many still don’t feel financially prepared for retirement. The challenge is often not income. It’s that physicians have a very different financial journey from most other professionals: years of medical training, a later start to peak earnings, high tax exposure, multiple sources of income, and, for practice owners, additional complexity around employees and retirement plan design. That’s why simply having a 401(k) m