Understand repayment options and loan forgiveness eligibility.
Evaluate refinancing only after weighing federal protections.
Choose a repayment plan that balances affordability and long-term savings.
Maximize retirement plan matches.
Review disability coverage and supplement if needed.
Use HSAs or FSAs to reduce taxable healthcare costs.
Aim to save at least 15% of income.
Increase savings as income grows or goals expand.
Ensure your policy covers your specific role and specialty.
Supplement employer plans for stronger income replacement.
Save 3–6 months of expenses based on job stability and dependents.
Keep funds accessible in a high-yield savings account.
Prioritize tax-advantaged accounts before taxable investments.
Diversify across asset classes based on risk tolerance.
Automate contributions for consistency.
Understand when Roth vs. Traditional contributions make sense.
Leverage HSAs and eligible deductions.
Track expenses if you have 1099 or moonlighting income.
Align home, family, or career decisions with your long-term plan.
Evaluate the tradeoffs between W-2 and 1099 work.
Revisit contributions, insurance, and investments each year.
Adjust as your career, goals, and circumstances change.
Partner with an advisor familiar with APP-specific challenges.
Focus on education and informed decision-making—not sales.