Dr. Mo

I retired from Family Medicine after an 8-year career. I started out in debt and financially wasteful but ended with the realization that my time was more valuable than my income.

I enjoy the finest bouldering gym in Portland. I make delicious food at home in a paid off, gorgeous condominium in downtown and have amazing friends to enjoy beers with. I read whatever I can get my hands on and spend my time writing and learning.

This blog is about everything that I discover along this path from a job-dependent citizen to a free-living and financially independent citizen. If you’re a high earning healthcare professional then I hope that some of this content is relevant to you.


Age 23: I got accepted to medical school at UCLA.

Age 27: I started UCLA’s family medicine residency.

Age 28: Residency was easier than medical school and I earned $43k/year.

Age 29: Got my medical license and started moonlighting. Had a blast. Was spending every penny I earned, and then some.

Age 30: As a 3rd year resident I decided that urgent care is the perfect career option for me.

Age 31: Did a 4th-year chief residency, $180k gross income with my moonlighting.

Age 32: Full-time work at a Kaiser Permanente in San Diego, CA. $200k income my first year.

Age 33: Started living the fancy life. Leased car, fancy condo, fancy clothes, expensive hobbies and dining out. Monthly overhead of $14k.

Age 34: Learned about YNAB and budgeting. Had $160k student loans, $50k credit cards, $288k mortgage, $65k car debt.

Age 35: Learned how to live a more frugal lifestyle, finally started saving. Made the highest income working 55-60 hrs/wk. $430,000 gross. Realized I don’t need 80% of my income to retire successfully.

Age 36: Moved to Portland, Oregon. Started attacking student loans. Kept working full-time.

Age 37: Hit financial independence on 3/1/2016. All debt paid off. Bought a condo in cash.

Age 38: I retired in order to pursue something outside of medicine. Decided to not renew my board certification in family medicine.

Age 39: Moved to Spain.



Email me at DrMo@urgentcarecareer.com. Would love your feedback/questions/thoughts/comments.