Well, I'm about 3.5 months away from finishing FM residency (only 2 years in Canada, I know, it's shocking / dangerous / crazily brief), and things are looking okay from my POV.
I agree with the Canadian poster above about the malignancy of medical school and clinical rotations, about having your "fate determined" by the opinion(s) of the people evaluating you for a given month. But after almost being turfed from medical school because of my "outspokenness" on certain hot-button issues (think, ultra-right-wing conservative fundamentalist Christian type stuff), I've since learned to shut my mouth, take a lot of stuff up the *****, and choose my battles more carefully. I am disappointed that I have not been as "activist" as I could have been since then, but survival is important, especially when other people (family) depend on you. On the other hand, I have never violated my core values. If I am with a preceptor who does things a certain way that I do not agree with, and patients ask me to act likewise, I politely decline. For an innocuous example, maybe a preceptor I work with might be more liberal with drug-seekers. If the patient ends up in my clinic room, they won't get the narcotics that day. They'll have to try again next month, and if they're "lucky" they'll end up with the preceptor they like, not me.
Debt is in the high 5-figure range (combined educational debt from 5 degrees between my wife and I). Wife is home F/T with the kiddies right now, but may RTW once they are all in school. I'm signed on with the military, so I've got like 4.5 years return of service after. Pay will be in the mid-100k range for like 37 hours per week (I'm anticipating boring medicine, healthy patients, administrative BS) but I'll have to moonlight in ER +/- urgent care or something to keep up my clinical skills. Of course, during deployments (which are theoretically 6 months in duration, q2 years in the Can system) the pace will likely be more "balls to the wall," but hey, if I don't get killed, I'll have some interesting stories for the grandkids one day.
I'm going to focus on living frugally (not Kraft Dinner frugal, but say, living in a house < 2000 sq.ft in an inexpensive, non-metro area, and not going away on vacations every year) for the next 4-5 years. After that, I will "settle down" buy my "penultimate house" (i.e. the big, fancy one that can fit all the kids ... before the "ultimate" house ... the smaller, fancy once after the kids have moved out), and do some kind of "mixed practice" model so that all of my eggs are not in one basket.
Although Canada has SOME administrative BS: work injury compensation reports (WSIB), drug benefits forms, etc...the fact that the vast majority of billings is straight to the government (provincial health insurance plans) really streamlines things.
In terms of the US posters talking about family practices that are not financially viable, I have literally never heard of "unsustainable practices" where the profit margin is cut so thin as to be untenable. There may be some other important Canadian vs. US differences of which I'm not aware though.
Most of the family docs I see here are doing whatever they want. Some do "comprehensive care" (including Ob / walk-in / maybe ER / hospitalist), probably work 60+ hours per week, and bill $300-400k+ (in busy / downtown areas, overhead can be $120k to $150k though, and AFTER that has been taken off, our marginal tax rate is like 46% for gross income over $120k). One infamous resident graduating from my program billed ~ $800k in his first year post-grad by doing walk-in clinics only. I guess he must have paid off all of his educational debt, bought a house, whatever and then transitioned to something causing less burnout. Another family physician I worked with is at a hospital 3.5 days per week (and by "days" I mean only 8-9 hour days), and bills $200k. Another family physician I know is strictly a GP psychotherapist. He does like 3-4 days (again, I mean 8-hour days) per week, bills around $200k, and habitually takes 10-12 weeks of vacation per year.
In summary, life is good (in Canada, at least).
Also, I'm not sure what the pace is like in the US, but an average family doctor in my area probably sees 30 patients per day (although it probably ranges from like 20 - 60). In walk-in clinics I've worked at, a slow day would be 40 patients seen in 4 hours, but a few weeks ago while working with a preceptor we say something like 94 patients in 4 hours (I'm still super slow ... I only saw 20-25 of those).
Wow, that was way more than I intended to write. I realize now that it looks like I focussed on the financial side. This is not because that is what I focus on or dwell on each day necessarily (heck, I don't even handle my family finances or do the shopping!), but it seems to be one of the major areas of concern for people in this thread, so I thought I'd try and address it.
Good luck to all...