As doctors today face ballooning medical school debt, falling incomes and changes brought about by the Affordable Care Act, it is particularly critical that they make prudent financial decisions.

The days when physicians were able to wait until age 50 to get their financial ducks in a row have long passed.  Few surgeons want to operate at age 79, or feel forced out on someone else's schedule. Yet often these situations arrive for those who did not implement habits of wealth.

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