This may sound cliche, but in this profession life is truly a journey.
As I sit here contemplating my upcoming graduation (from the 21st grade), I realize that in terms of $$$'s, at 29 with a kid on the way, I'm way behind the curve.
I'm looking forward to beginning a surgical internship, and have a strong interest in oncology. Like most of the subspec's, 2 years of research on top of the time necessary for fellowship is required in addition to the usual 5 years. I'll likely be graduating from the 29th or 30th grade by the time I'm an attending, and worse, I'll be pushing 40...
The field of Medicine makes an art of delayed gratification, and surgeons take delayed gratification to it's extreme. I also feel that surgeons take professional gratification to the highest level, and am happy with my decision to extend my training to be the best physician that I can be.
My wife was an integral part of my decision, and supports me fully. We made the decision that money isn't everything and can handle watching our non med friends buy big houses and nice cars while we live modestly, but comfortly.
Not everyone can do this or be happy on such a demanding career path. If your thoughts are only of the destination, then you will waste several years of happiness in training.
Follow your heart, include your significant other if one is present, and if you truly love surgery and feel that you can handle the load, the DO IT! Otherwise, there are other appealing areas of medicine that require much less time commitment.
just my $.02