I can’t tell you how often other physicians ask me, “Hey, I understand the math, but I just don't know: should I be paying off my student loans? Should I be investing and maxing out my 401k, or should I be paying off a car?”
There’s advice out there that says you should invest at all costs, that anyone who doesn't put all their money towards investments is crazy. Then, at the other end of the spectrum is the school of thought that says you shouldn’t do anything else until you pay off all your physician debt.
As with most nuanced subjects, it’s not black and white.
The right path – for YOU – depends on a lot of different factors. When figuring out whether to pay off debt versus investing, it requires more than just math – because humans aren't robots.