In all honesty, it is because I am sick and tired of being dirt poor. By the time fellowship comes around I will likely have three or four children, be in my late thirties, and be the sole income provider for my family. If I live in the midwest, I will be able to take my wife out once in a while, put my kids in sports, own a house, etc.
That being said I am applying to Stanford for residency. They have stellar benefits in comparison to Brigham, MGH, and UCSF, but we would still be pinching every penny. We applied for low income housing in Palo Alto without having any clue how the match will turn out, because many of the programs have three year

wait lists, and that is for a two bedroom apartment which still costs $1600 month. We could definitely make it work. I go nuts when my single classmates complain about how little financial aid they get when I am supporting a family of four on the exact same amount. Fortunately, my wife is a saint and has a degree in finance, so we get by, and still have alot of fun. Crazily enough, the cut off for a family of four for low income benefits in Palo Alto is $90,000/year. That is just wild!
Thanks for the info!