08/12/2026
A physician once asked me, "How do I know if I'm saving enough to work less in 10 years?"
I thought that was a great question because it gets to what a lot of physicians are really thinking about.
Most aren't dreaming about never working again. They like what they do, but what they want is flexibility.
They want to know that if they're tired of taking call every other weekend, they can step back. If they want to go from five days a week to four, they can do it without second-guessing the decision. Maybe they want more time with their kids while they're still at home, or the ability to take a longer trip without worrying about the income they're giving up.
The problem is that many physicians are doing all the things they're supposed to be doing. They're saving into retirement accounts, paying down debt, and earning a good income. Yet there's still a nagging question in the back of their mind:
"Is this enough?"
That's why financial planning is about more than investments and retirement projections. It's about understanding whether the decisions you're making today are creating the life you want five, ten, or twenty years from now.
At the end of the day, most physicians aren't trying to figure out when they can stop working.
They're trying to figure out when work becomes a choice instead of a necessity.
And there's a big difference between hoping you'll have that option someday and knowing you're on track for it.