I am so grateful for the following,

  1. All my family members are relatively healthy (no one had extended hospital stays)
  2. My kid enjoys her school, where we live now, and is building new friendship.
  3. With her grandmother’s generous help, we have been able to support our kid in cultivating her talents (voice, painting, etc.)
  4. My partner is supportive of my career.
  5. After 8 moves in the last 7 years, we are finally settled down for at least another 5 years.
  6. We have a home. My mortgage rate the lowest it can given my circumstances.
  7. I’m learning new things every day.
  8. I have a job I love.
  9. We have means of transportation (one car was a gift from my mother in law)
  10. My student loans are paid off.
  11. As a pgy1, I maxed out my ROTH IRA for 2014 (first year of retirement savings.)
  12. We found a church close to our house and we are committed to going every Sunday.
  13. My mother in law has been super supportive to us, in all the ways imaginable.
  14. I can confide in and seek counsel from my wise sister.
  15. I have wonderful co-workers. Dedicated, brilliant physicians.
  16. The nature and wild life where we live is incredible.
  17. Life-long friends are there for me.
  18. I am 30 and healthy.
  19. I can work until I’m 80 as a radiologist as long as my eyes function.
  20. Most likely, I don’t have to work after 70.
  21. I love teaching/tutoring. I enjoy helping others fulfill their dream of becoming a doctors /health care professionals.

When I count my blessing, gratitude replaces fear.

Gratitude is key to MY ability to enjoy life at the present instead of worrying about the future.


“Depression is living in the past; anxiety is living in the future; peace is living NOW.” said by an unnamed schizophrenic patient I met on my psych rotation.

Count my blessing
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2 thoughts on “Count my blessing

  • April 1, 2015 at 9:54 pm

    Dear Friend,

    I am so inspired by you, and I am so impressed with the wonderful website you have created. I especially loved your post titled “Residency: The Financial Bittersweet Spot.” I would love to pick your brain about which credit cards can be used with no interest. Also, do you have any recommendations about where I can learn more about Vanguard funds and Roth IRA’s?

    Thank you,

    • April 2, 2015 at 1:24 am

      Thanks, Akhila!
      I’m glad u find DFD helpful. I will be posting more on how to maximize building positive net worth while in residency since that’s what i’m trying to do myself right now 🙂
      feel free to drop a comment on a specific question and i can certainly develop it into a full post to give you step by step guidance on how to use credit, build wealth, minimize debt!
      the best way to pick credit cards with 0% for 12-18 mos and other bonus features is to sign up with experian.com, get your credit report and use the get new credit card feature where they will recommend the cards that best fits your needs. you can compare cards side by side and depending on your credit score, decide which cards you have the best chances of getting approved for.
      for Vanguard funds, the actual vanguard website is pretty awesome. there are short and sweet articles to help me build basic understanding of how things work and how to start.
      MAX OUT your ROTH IRA this year if you have >5.5k income from working during 4th year med school. don’t wait till intern year like i did…
      ROTH post-tax retirement savings are amazing down the road and irrecoverable once the year passes…

      hope this helps!


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