Having helped almost 2,000 doctors achieve financial independence, we know what works– and what doesn’t! Only 10% of doctors have reached their goals by saving personally using after-tax dollars. Why so few? That’s because many see their personal assets growing and can’t resist the temptation to spend them.

The remaining 90% achieve their goals primarily by making pre-tax retirement plan contributions. The ability to make tax-deductible contributions, enjoy tax-deferred compounding growth, and withdraw funds in a lower tax bracket in retirement (with proper planning) is an unbeatable combination. And accumulating assets in a retirement plan protects you from sabotaging your financial future, since if you can’t see the money, you can’t spend the money!