u/Beneficial_Umpire497

Hi All,

Just wanted to get some advice on how I should go about my retirement savings and personal finance going forward.

I’ve been seeing all these people in their 30s having retirement accounts with millions in it and I have nothing of the sort.

My wife and I (both 32) are dual physicians and we live in the east coast in a VHCOL area. She’s an attending and makes ~$300k pretax and I’m a first year fellow in PCCM. Hoping to make 500k combined most conservatively when I’m an attending.

We recently bought a house so we’ve been saving up for that and now paying mortgage payments. I have barely anything in my Roth probably around 50K and no other retirement accounts 😔. My wife has about 200k (403b, Roth)

I’ve come to the realization a bit late that I severely underfunded my retirement in preparation for a house and I may have shot my self in the foot not yielding from this boom market.

What would you guys suggest we try to bounce back and get back in a good place for retirement planning and life in general.

I ended up doing internal medicine and now in PCCM after initially finishing another residency.

How badly have I fucked up my financial future…?

Saw a recent article saying that pulm crit will be in surplus in the next 10 years. Anyone in job market now have an idea what it’s looking like out there?

Just started pulm crit fellowship and immediately having cold feet about whether I picked the right specialty. I love the ICU but I saw a recent report that pulm crit will be in surplus in the next 10 years. And I’m not the biggest fan of pulm except for PH but I’m worried I won’t get a job in PH especially since it’s institution dependent about whether it’s cards or pulm.

Feel like maybe I should’ve done cards instead… it just seems like they’re making good money, good lifestyle and job security.

Don’t know what I should do… should I quit?