Archive

Dive into a collection of past posts and rediscover timeless content.
How Smart Physicians Accidentally Overpay on Student Loans

Dec 22, 2025

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9 min read

How Smart Physicians Accidentally Overpay on Student Loans

A signal that your loan strategy is built for a past version of your life, a clearer way to think about debt once income rises, and the framework I use to pressure-test whether your loan strategy still fits.

Carlos Ruiz
Carlos Ruiz
How to (Actually) Build Wealth Beyond Medicine

Dec 14, 2025

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7 min read

How to (Actually) Build Wealth Beyond Medicine

Why $260K doesn’t feel like relief, the difference between reacting and directing money, and the structure that makes income predictable

Carlos Ruiz
Carlos Ruiz
Why Budgeting Fails Physicians

Nov 16, 2025

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6 min read

Why Budgeting Fails Physicians

Learn the only metric that matters when making $300K+ as a new attending

Carlos Ruiz
Carlos Ruiz