I'm just now starting my Psy.D. but looking way ahead. After racking up some debt through the course of the program, it seems like a postdoc would just prolong the process of digging out of the hole. My wife and I will be wanting to have kids and a house by then. But I'm very interested in neuropsych and health psych. I've seen that most posdocs make around 30-40k. How does this compare to what you would make your first couple of years after your internship without doing a postdoc? On top of becoming board certified or specializing in a certain area, what are some of the additional benefits of doing a postdoc? Do these justify waiting another two years after nine years of schooling to finally begin the career?