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Hello. I just finished my surgical residency at the beginning of the year where I was making $47,000. I have accepted a job as an ortho surgeon at one of the hospitals in my state about 3 months ago.

The job offer was for $478,000 and I'm honestly not sure what to do with it. I come from a very impoverish household of a single mother, so I never got the opportunity to learn about finances, but I'm extraordinarily good at couponing!

My student loans are paid off completely because I was serving in the Air Force during my medical degree and residency. It didn't cover them 100%, but I paid the rest out of pocket with money I was making as a resident.

Currently I am saving the max contributions in an IRA and have met my emergency fund goal of around 8 months expenses. I surprised my mom with a new car she has always wanted, so I am also making payments on that. I live in a family house that is paid off and have a car of my own that is also paid off. I enjoy living frugally because it's just what I know and what I'm comfortable with, so I've been donating my excess income (around $25,000/m) to local organizations.

I would like to continue donating the majority of my income, but is there anything else I should be doing with the rest aside from my IRA and emergency fund?



Submitted February 02, 2021 at 02:11AM by TwitchAgent https://ift.tt/3jcbXRA

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