I paid off my loans in less than 3 years after graduating residency by not paying off my loans
Pretty much the title. I graduated in 2023 and had about 300k in loans and zero in savings. I have made approximately 400k a year for the last 2.5 years and aggressively invested into the tech hype cycle with the simple thesis that whether AI ends up being a bubble or not, it will take at least several years for the bubble to pop and in the meantime valuations will continue to soar.
This thesis has held up well three years out and I have made 300k in capital gains from about 300k gradually invested into the market starting late 2023. If I had decided instead to "aggressively pay off loans" like it's often recommended I would have essentially set myself back financially by 2 to 3 years and lost out on 300k of cash just magically growing out of thin air, like. It was a gamble, I guess, but one I felt pretty comfortable taking. That is all, lol.