Debt & Cash Management

Use debt to your advantage

At Earned, we develop personalized debt management strategies to help you avoid the pitfalls of debt and capitalize on its smart uses to help realize the financial outcomes you deserve.

Personalized advice on optimizing your debt management strategy

Demystifying debt forgiveness programs for doctors

Strategies to prioritize debt repayment while funding other financial goals

Why it's important:

Most doctors have debt – often in the form of student loans, mortgages, or practice loans. Managing this debt wisely is one of the keys to unlocking a doctor's full wealth potential. At Earned, we develop personalized debt management strategies that help you avoid the pitfalls of debt and capitalize on its smart uses to help realize the financial outcomes you deserve.

See how Earned supports doctors with:

Clarifying the path to become debt-free without sacrificing savings goals

This doctor had significant credit card debt and personal loans. Her initial strategy was to pay the minimum balance on her debt and use the remainder to start investing. Her Earned Advisor suggested waiting to invest outside of her employer-matched 401k while paying off debt in 3 years, then maxing out backdoor Roth contributions and contributing to taxable savings annually. This way, she should be able to retire without compromising spending goals, and be able to leave a substantial legacy.

How it works

Using the Earned Wealth App, you’ll upload your loan documents and bank statements for your Earned Advisor to review

See how Earned is working to achieve your goals

Through the Earned Wealth App, you will clearly see how Earned is working on your behalf to achieve your goals. Seamlessly share information and connect with your Earned Advisor when it works for your schedule.

Explore the Playbook

Our Doctor Wealth Playbook is a proprietary process that we use to identify, prioritize, and action wealth creation opportunities for our doctor clients. Explore the next pillar in the playbook, Trust & Estate.

Your assets are secure

Your assets are custodied at Fidelity and protected by SIPC. As one of the nation’s largest institutional custodians, Fidelity oversees $4 trillion in assets under administration. Fidelity’s financial stability, its compliance with industry regulations, and its insurance protection via the Securities Investor Protection Corporation (SIPC) all serve to help safeguard your investments.

Frequently Asked Questions

If you have multiple outstanding loans with similar interest rates, you may want to consider applying extra funds to the lowest balance debts first. As you pay off each debt add that payment to the next one in line, helping you to pay off all your debts faster. However, if your loans have a wide range of interest rates, consider applying extra funds to the highest balance loans first to help minimize your total interest costs.


Debt Management

Loan Forgiveness Eligibility Now Available For California and Texas Physicians

Due to a recent rule change by the US Department of Education, physicians in California and Texas are now able to apply for public service loan forgiveness (PSLF). Earned explains how this change opens up loan forgiveness options for physicians in these two states.



Are Physician Home Loans the Right Solution for You?

A physician home loan is a specialized mortgage designed to help physicians overcome the unique financial challenges they face early in their career.



Think Twice Before Investing in That “Amazing” Opportunity

Discover why partnering with a fiduciary financial advisor can provide numerous benefits for physicians seeking to manage their wealth effectively.



How Physicians Can Improve Their Credit Scores

We share a handful of strategies that can have a huge impact on improving your credit score, paving the way for a more secure financial future.


The information in this communication was prepared for educational purposes only and is not a solicitation to buy or sell any security or insurance product, nor an offer to provide investment advice. All examples are for illustrative purposes only and may not be relied upon for investment decisions. Nothing contained herein should be construed as legal or tax advice and is not intended to replace the advice of a qualified tax advisor or legal professional. The information presented may have been compiled from third-party sources we believe to be reliable but cannot guarantee its accuracy or completeness.

This communication contains past investment recommendations for illustrative purposes only. Earned Wealth makes no assurances, nor should it be assumed, that recommendations made in the future will be profitable or will equal the performance of the securities included in this presentation. Due to various factors including changing market conditions, such recommendations may no longer be appropriate; nor should any past recommendation be taken as personalized investment advice.

Earned Wealth is an SEC-registered investment adviser. Additional information about Earned Wealth, including its services and fees, is available online at






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Investment advisory services offered through Earned Wealth, an SEC-registered investment adviser.