Dr. Mo

I am a Family Medicine physician who has mostly practiced Urgent Care since 2006 as a 2nd year resident. I started out in debt and was financially wasteful from 2006-2012. I realized that I valued my free time more than nice cars, a fancy home, and expensive experiences and set out to achieve financial independence.

I retired in 2016 at the age of 39. My home is in Portland, Oregon. I make delicious food in a cheap, paid off, gorgeous condominium and have amazing friends to spend time with. I read whatever I can get my hands on and write.

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


Age 23: Started Medical School at UCLA.

Age 27: UCLA Family Medicine residency.

Age 28: Earned $43k/year as a resident.

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 was the perfect career option for me.

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

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 $20k.

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

Age 35: Learned how to live a more frugal lifestyle. Started saving for retirement. Highest income year $430,000 gross with overtime. Realized I don’t need 80% of my income to retire successfully.

Age 36: Moved to Portland. Started attacking student loans.

Age 37: Hit a financial independence milestone 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. Had to come back for medical board investigation.



Email me at DrMo@urgentcarecareer.com.

Would love your feedback/questions/thoughts/comments.