u/TyrosineKinases

As I will submit my application with literally one week of hospitalist work? having mixed feelings about it.

So basically, I applied to a competitive fellowship last year and didn’t match. I will be reapplying this July. I’m not sure how it would go, but will apply widely this time.

I was wondering what would be the best strategy when it comes to money distribution. These are the number:

• Salary: $300K with base & bonuses
• Debt: no student loans, but about 2K in credit car debt.
• Monthly expense: around 3.5-4K a month in HCOL region
• Savings: Emergency funds: 3K, Retirement: 35K in 403 and 3K in roth IRA

My plan was to start by building an emergency fund for about $30-40K. But not sure how should I deal with retirement. Should I max my HSA first? What takes priority, roth IRA contribution or should I max my pre-tax accounts?

I’m trying to be as focused as possible to avoid lifestyle creep and also prepare myself for ”possible“ fellowship.

Thanks in advance.

Like 3 thousands page to describe albumin challenge?

Can you try saying: "AKI - pre-renal vs HRS, albumin challenge per protocol" instead of mentioning odds ratio and confidence intervals?

Am I wrong? or maybe just becoming a PGY3 made me lazy?