This physician has reached an 8 figure net worth by paying off debt early and investing in himself with a surgery center. His advice is to not try to keep up with appearances, pay yourself first, and be the tortoise not the hare. You will win the race. He is clearly financial independent but continues to practice medicine. If that sounds like you, check out things to do besides retire when you reach financial independence. https://www.whitecoatinvestor.com/8-things-to-do-with-financial-independence-besides-retire-early/  This podcast is brought to you by the Peak Housing REIT, an investment opportunity that enables you to passively invest in single family rental units at scale. With a minimum investment of $25,000 the Peak housing team can immediately put your money to work across 7 rapidly growing markets in the U.S. To learn more about the Peak Housing REIT visit https://www.whitecoatinvestor.com/peak  The White Coat Investor has been helping doctors with their money since 2011. Our free financial planning resource covers a variety of topics from doctor mortgage loans and refinancing medical school loans to physician disability insurance and malpractice insurance. Learn about loan refinancing or consolidation, explore new investment strategies, and discover loan programs for specifically aimed at helping doctors. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor channel is for you! Be a Guest on The Milestones to Millionaire Podcast: https://www.whitecoatinvestor.com/milestones  Main Website: https://www.whitecoatinvestor.com  Student Loan Advice: https://studentloanadvice.com  YouTube: https://www.whitecoatinvestor.com/youtube  Facebook: https://www.facebook.com/thewhitecoatinvestor  Twitter: https://twitter.com/WCInvestor  Instagram: https://www.instagram.com/thewhitecoatinvestor  Subreddit: https://www.reddit.com/r/whitecoatinvestor  Online Courses: https://whitecoatinvestor.teachable.com  Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter