The tricky part about retirement planning is uncertainty.
Uncertainty in retirement planning comes from three major sources.
1. Current and future income
Doctors are fortunate in that they have very high job security. Even if you were to be let go from your current position, there will almost always be another position somewhere in the country (although you might have to move out of your current metropolitan area).
However, the high income doctors currently enjoy is hardly certain to persist in the future. Healthcare in America is very expensive, and government and private insurers are continuously looking for ways to cut physician reimbursement (or at least slow its growth). There has almost always been a pessimism from physicians about the future of doctor salaries (although previous fears from the past few decades have largely gone unrealized).
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