-Be careful when registering for DEA, NPI, first medical license, and what gets posted on the residency site. If your personal email or cell gets put out there even once you’re going to get on every list that downloads public NPI data.

-Disability insurance. Buy solid stuff as early as you can because it will be priced and underwritten while you are young and healthy.

-Max out Roth IRA if possible, whatever you can afford. Just do direct deposit and you won’t miss the money- few hundred bucks a month really adds up over residency and will be the lowest tax you ever pay on roth money.

-Can be painful, but before you get super busy in July sit down and take the time to understand the residency program benefits. Make sure you are maximizing matching program (my residency did something like 6% match free extra money but was opt-in). Figure out what your health/dental/vision insurance covers and who is in network. You need all this figured out before starting residency because once you get busy the 3-5 years flies by and you won’t use any of it and/or won’t have time to figure out where to get care.

-In general, in the months leading up optimize everything for convenience in residency. Examples include reliable transportation, convenient living situation, home gym, meal plans, etc