By the time you are a specialist you are around 36 years of age ..or older..
Still in debt and will add more debt
If you dont realise that you have lived more than your working life and you only have 21 years to make enough money
.kids high school
.pay off your house
.pay off practice loan
.and if lucky save enough for later in life when you no longer work
You only have 21 years less practice 5 years finance you are left with 16 years.
Thats not lot of time
Lesson double up and go full force, if lifestyle is not adding up subtract
There will never be time where you have lits of mone at any given time. It is that little bit you saving every month to finance your investment