I wanted to ask you some questions about financial life after medical school. I understand that money isn't all that matters in deciding on a medical career, but finances/lifestyle are factors that I'd like to discuss with someone who has gone through the path to learn more from your experiences. Pardon me if I am blunt in my questions, but I figure that if I talk to a few peopple I can get a more candid and realistic image of what it is like to be in debt after med school. 1) What stage are you now? Residency or Post Residency? 2) How much debt did you take out in medical school? Any undergrad debt? 3) Could you defer your loans during residency? 4) What type of residency did you do? How much did you make (both gross and net) after you graduated? 5) Do you have to pay malpractice insurance out of pocket or is it covered if you work for a hospital? 6) What was your monthly student loan payment amount? 7) What is your typical week's work hours? How often are you on call? Is this above or below average for your particular field? 8) How difficult or easy do you find it to have time to spend with your family, friends, or in whatever other way you find appealing? Do you plan to have kids, if none already; if so, do you think that being a doctor will impede on your family plans? 9) If you could have done something differently regarding finances in med school and beyond, what would you have done? 10) Financially speaking, do you think med school is a good "return on investment."