White Coat Investor Podcast

MtoM #244: A One-Doctor Couple Pays Off Student Loans in 6 Months and Finance 101: Understanding Health Insurance

Oct 13, 2025
Tune in to a journey of financial triumph as a doctor couple pays off a staggering $205,000 in just six months! Their secret? Taking advantage of the COVID payment pause and a solid repayment strategy. They also explore the emotional rollercoaster of making hefty payments while living modestly. Plus, get a crash course in health insurance basics, from deductibles to co-insurance, ensuring you’re financially protected against catastrophic events. This episode is packed with insights to inspire your financial journey!
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ANECDOTE

Rapid Six-Month Loan Payoff

  • Kaylee and Josh paid off $205,000 of student loans in six months after Kaylee's practice ramped up in 2024.
  • They began with a $3,000 payment and peaked with a nearly $40,000 lump sum to finish the balance.
ADVICE

Live Modestly While Attacking Debt

  • Live like a resident and keep lifestyle modest while attacking loans aggressively.
  • Avoid big purchases and funnel extra practice income straight to debt until it's cleared.
ANECDOTE

Whole-Family Debt Elimination

  • They ultimately paid off $330,000 total including Josh's loans and other debts over 15 months.
  • The couple balanced modest living, avoided big purchases, and prioritized aggressive repayment.
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