A surgical resident signs an attending contract. Income more than quintuples overnight, and every financial decision that was deferred for eight years arrives at once.
High income. High debt. Zero time.
The client finished a surgical residency and signed an attending contract. Take-home pay moved from $65,000 to $340,000 in a single month.
They carried $280,000 in student debt spread across four servicers, three dormant retirement accounts left behind at previous hospitals, and no cash reserve at all. They were working sixty-hour weeks and had never had a spare evening to fix any of it.
Consolidation and routing.
In a single session the client rolled the three orphaned retirement accounts into one IRA, opened a high-yield savings account for the emergency fund, and opened a taxable brokerage for everything above it. All in their own name, at institutions they picked.
Student-loan payments were automated to pull from checking two days after payday, so the aggressive paydown happens before the money is ever visible as spendable. The percentages below were set in the same hour.
The new allocation.
Set once, in the session. It has run on every paycheck since without a login.
Eight years of deferred decisions, settled in one afternoon.
- Checking40%$7,867
- Student loan paydown30%$5,900
- Brokerage20%$3,933
- High-Yield Savings10%$1,967
The savings share drops to zero once six months of expenses are funded, and the brokerage share rises to take it — one change, made in the follow-up session.
The client scenario and figures on this page are an illustrative composite based on typical engagements. They do not represent a single real individual, and no outcome is a promise of yours.