We’ve all made money mistakes. It’s wonderful that some people are willing to bare their blunders for all to see. Understading the errors of others helps prevent you from making them yourself.
I gravitate toward personal finance writing — particularly for doctors — to correct my own financial ignorance. I had to seek out information from friends and experts.
Make a budget and stick to it. And when residency ends, keep living like a resident for a while.
Cars are money pits. If you buy new, you take an enormous depreciation hit as soon as it leaves the lot.
As your children move out, why are you maintaining the overhead of all that unneeded space? Scale down and relocate to a more tax-friendly area, if possible.
Most likely, your employer offers a 403 (b) plan. If they offer a match, fully fund that account and take advantage of every dollar, they give you.
Stop what you’re doing and go set up an appointment with a student loan advisor. Do not pay more than you have to.