@emilyfoit: Breaking down our million dollars worth of debt as two resident physicians! I want to start doing monthly updates as we start slowly chipping away at this and I’d love if you’d follow along! #residency #savingmoney #debtjourney #Budgeting #payingoffdebt

Em ☀️
Em ☀️
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Region: US
Saturday 17 October 2026 21:31:41 GMT
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m_mccarthy19
M_mccarthy19 :
That’s not truly debt. Student loans and mortgage aren’t necessarily seen as negative assets. Credit card m and other loans are. So you’re not even necessarily in debt! 🥳
2026-10-18 00:32:16
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abzzzz12340
Anastasia :
22k on a car and under 300k on the house seems perfectly reasonable to me! You guys seem responsible. You’ll be out of this in no time
2026-10-17 23:39:19
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crispeebacon8
Cris.P.Bacon :
Mortgage is good debt, I wouldn’t count that
2026-10-18 01:11:03
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haleighberry1
Haleigh Terry :
no credit card debt?!? i say you’re fine!!
2026-10-18 01:31:27
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kenman561
Kenman :
Dave Ramsey would be furious
2026-10-17 22:36:28
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margaretjones_6
margaretjones_6 :
In my mind debt related to your career doesn’t count 🥲🤣 we’re over a million in debt too but it’s all for land and my husbands a farmer
2026-10-18 00:16:24
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nataliee_irl
nataliee_irl :
Sure it sounds scary. But some people have nearly this much in CONSUMER debt. You’re doing fine , guys. ❤️
2026-10-18 01:49:46
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yagirlhoddy
Holly | Medic Mom 🚑 :
All of these sound totally reasonable though. You’ll get out of it. Don’t let it hang over you and allow yourself to still enjoy your life right now :)
2026-10-18 00:07:20
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moonxmik
🫪 :
why would you buy a new car right now lol
2026-10-18 02:20:16
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sherrylarkins6
sherrylarkins6 :
This is criminal; we need medical providers and should not make the smartest and most compassionate among us get$700-800k in student load debt.
2026-10-18 02:21:59
9
g.bex
gab :
Your student loans made me feel better about my law school loans 😅 why are these higher ed stupid expensive UGH
2026-10-18 00:03:42
13
pacnwdrmom
Jen :
I had $450k when I graduated med school in 2003. It just comes with the job. You’ll get it done 🙌
2026-10-18 02:12:01
5
juliagaman
Julia :
Off-topic but I’m obsessed with your glasses!!! Where are they from?
2026-10-28 03:45:10
0
.mmmarissa
marissa ☻ :
i know dave ramsey counts it all as debt but this isnt all negative debt except the student loans but youll pay those off over time. $22k for a car & $250k for a house is totally reasonable. only like really bad debt is credit card. per my accountant husband.
2026-10-18 21:44:06
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u6181612929
🥑 :
If you’re fretting to pay off a $22k car loan, how are you going to pay off $1m of debt (45x the car loan)???
2026-10-18 20:03:32
4
samanthabregister
Samantha | Twin Mom 💙💙 :
girl this is not that crazy bc of the house is equity but wild
2026-10-17 21:49:35
7
jenn_beebe
jenn_beebe :
We are also over 1M in debt but it’s all tied to our mortgage, and we have well over 1M in cash/assets/investments so could pay it off if we wanted, but we make more on annual investments than the interest in our loan. Some debt makes sense.
2026-10-18 03:05:03
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madisongmaxwell
madisongmaxwell :
Do you have the link for your glasses?? They are so cute!!
2026-10-24 02:15:05
1
beach_girl2121
Mary :
Where are your glasses from!! 🤩
2026-10-18 00:09:48
1
haleylewlew
Haley Lewis :
Do employers offer loan assistance for X number of years of service? We graduated PT in 2020 and a lot of places quit offering that, but I figured MD/DO could still get it
2026-10-19 17:37:42
1
blueeyesbrown0
…. :
How much do you make combined annually?
2026-10-18 00:03:07
2
dmr07180
Danielle :
Are you comfortable sharing where you went to school and your current salary? I'm curious as someone who was interested in med school and went a different route!
2026-10-19 23:31:53
0
shawna.marie555
Shawna Marie :
Are you working towards PSLF? 😳 Or are you paying all those student loans?
2026-10-18 00:13:10
2
alyplovescardi
Alyssa Porter :
how did you buy a house and get a down payment while having all this debt? real question no sass! we are so close to payong off student loans from Law School. I cant wait to be free!
2026-10-18 22:18:56
0
tutiifruitii405
tutiifruitii405 :
I promise im listening….but where are your glasses from theyre so pretty 🫣
2026-10-18 22:39:20
1
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