u/anti_link

Spouse and have pretty much the same salary and make about $10,400 total after tax each month.

This is how I have our current budget set up per month.

Rent (water included) - $2000
Electricity - $100
Internet - $42
Car + charging - $570
Groceries - $300
Subscriptions - $19
Gym -$40

High yield savings account - $2000
Investments - $2319

Fun money - $3000

Student loans - $10 (currently in grace period right now)
I am a resident doctor and have around $400,000 student loan debt. I’m planning on making repayments with the RAP plan and will have $10 payments per month during my intern year (current budget based on these student loan payments). Spouse has no student loans.

Is this too much fun money? About 40% of our monthly income is going into investments and savings.

Our ultimate goal is to save enough to buy a house after I’m done with residency/fellowship training in 6 years

Hi all I recently matched rads and am starting my IM prelim next month. I have about 400k in federal student loans and was hoping to get advice on repayment options.

I filed taxes for 2025 and filed single ($7000 income from selling investments to help pay for wedding).

Married and spouse is not in medicine. Spouse makes ~70k and has no debt.

Questions:
- Would PSLF or RAP be the better option? Planning to do fellowship then go into private practice after rads residency
- Would it save more money to file single or joint for taxes? My understanding is filing joint would increase my loan payments but may have more tax benefits
- If not doing PSLF, is it worth it to try paying off loans more aggressively throughout residency with spouse’s help?

Thank you!