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	<title>Debt to Dreams</title>
	<link>http://www.debttodreams.com</link>
	<description>The Journey of a Young Physician from Educational Debt to Financial Independence</description>
	<lastBuildDate>Sat, 26 Dec 2009 04:55:50 +0000</lastBuildDate>
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	<item>
		<title>Back to Blogging finally&#8230;.</title>
		<description><![CDATA[After blogging remarkably inconsistently for the past year,  I am back on track with lots of changes and hopefully more useful insights into medicine, investing and starting &#038; running a small business. 
Many more changes loom on the horizon with the great healthcare debate gripping our nation.     I watch anxiously [...]]]></description>
		<link>http://www.debttodreams.com/2009/12/25/back-to-blogging-finally/random-musings/</link>
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		<title>New Job, New Town, New Finances, New Business</title>
		<description><![CDATA[I have successfully completed my formal education and passed the requisite board exams.   I am now a board certified physician and excited to begin the next phase of life&#8230;&#8230;.REPAYMENT.  
After borrowing extensively to complete my education, I finally get the opportunity to begin repaying these debts.  As I watch the health [...]]]></description>
		<link>http://www.debttodreams.com/2009/11/15/new-job-new-town-new-finances-new-business/educational-debt/</link>
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		<title>Still here with many, many changes.</title>
		<description><![CDATA[I continue to be amazed at how much life changes year to year.  Makes me wonder why we even bother to forecast changes more than a few months in advance.     
The one consistent feature of my life for the past 20 years is finally coming to an end as I [...]]]></description>
		<link>http://www.debttodreams.com/2009/06/16/still-here-with-many-many-changes/random-musings/</link>
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		<title>A Daring Move in Desperate Times: Investing My Cash Reserves</title>
		<description><![CDATA[One of the very first goals of our family shortly after we were married was to save as much of our excess income as we could in an emergency fund.  Our goal was to have about 6 months of living expenses, which for us was about $25,000.   We never actually reached this [...]]]></description>
		<link>http://www.debttodreams.com/2008/10/18/a-daring-move-for-desparite-times-investing-my-c/alternative-income/</link>
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		<title>Alternative Income: May 2008(+$243.19, YTD $1266.43)</title>
		<description><![CDATA[Here is another VERY, VERY Late post. 
May was another less than stellar month for our alternative income streams.  
It was due to multiple reasons, the most important of which is my resistance to taking any extreme risks in the name of increased returns.   
Here are the results for the month ending [...]]]></description>
		<link>http://www.debttodreams.com/2008/10/17/alternative-income-may-200824319-ytd-126643/alternative-income/</link>
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		<title>Borrowing Costs: June 2008(+698.20, $1,294.34)</title>
		<description><![CDATA[This is another catch up post intended to bring my fianicial measures up to date.  I am about 4 months behind but I hope to be caught up by the end of the month. 
Here are my borrowing costs ending June 30, 2008:



We had been doing quite well at keeping our borrowing cost down [...]]]></description>
		<link>http://www.debttodreams.com/2008/10/15/borrowing-costs-june-200869820-129434/borrowing-costs/</link>
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		<title>Now Will it Last?</title>
		<description><![CDATA[I was not surprised at all to notice that the Dow made a nice recovery today.  Almost every &#8220;expert&#8221; over the weekend felt that stocks were close to being oversold. 
It will be interesting to see if this is the start of a sustained rally. My uneducated opinion is that we still have a [...]]]></description>
		<link>http://www.debttodreams.com/2008/10/13/now-will-it-last/random-musings/</link>
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		<title>Monthly Update: September 2008(-$82,498.53, -$16,032.55)</title>
		<description><![CDATA[After watching the recent week long plunge of the Dow, it appears that people are very fearful which means if you are a buy and hold investor, now might be the time to get greedy. 
The problem in our family is that we don&#8217;t have much cash left to get greedy with.  
Here are [...]]]></description>
		<link>http://www.debttodreams.com/2008/10/12/monthly-update-september-2008-8249853-1603255/goals-and-monthly-updates/</link>
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		<title>Monthly Update: August 2008(-$66,465.98, -$2,850.68)</title>
		<description><![CDATA[August has come and gone and our net worth continues to tumble.  There is hope that we will soon be able to slow the loss thanks to some new help.  I have officially handed over the reigns of budgeting and expense management to my wife!  She has embraced this role and done [...]]]></description>
		<link>http://www.debttodreams.com/2008/09/15/monthly-update-august-2008-6646598-285068/goals-and-monthly-updates/</link>
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		<title>How to Complicate Your Financial Life in the Name of Organization</title>
		<description><![CDATA[I have finally managed to update our financial records after doing little more than paying bills for almost 4 months.  The reason behind this delay is that I have managed to complicate our financial life in the name of being more orgainzed. 
If you too want to complicate your financial life, here are my [...]]]></description>
		<link>http://www.debttodreams.com/2008/09/12/how-to-complicate-your-financial-life-in-the-name-of-organization/random-musings/</link>
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		<title>Monthly Update: June 2008(-$61,709.69, -$10,860.39)</title>
		<description><![CDATA[After 2 months of turbulent times following our cross country move,  our household has finally settled down in our new surroundings and we are now catching up with our finances.  
We knew we had a difficult 2 months in June and July but I wasn&#8217;t sure just how bad it was until I [...]]]></description>
		<link>http://www.debttodreams.com/2008/08/24/monthly-update-june-2008-6170969-1086039/goals-and-monthly-updates/</link>
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		<title>Pardon the Absence</title>
		<description><![CDATA[Pardon my absence,  the past month has been a busy one for our small family.  We are finally getting settled in our new city and have re-established internet access.  
Our June Monthly Update is to follow soon.  
Here is what we have done in the past month.
1. Moved our family 2800 [...]]]></description>
		<link>http://www.debttodreams.com/2008/07/17/pardon-the-absence/random-musings/</link>
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		<title>Borrowing Costs: May 2008(-$105.07, YTD -$596.14)</title>
		<description><![CDATA[I have come to the realization that these posts about obscure details of our family&#8217;s personal finances are not very high yield.  
They take time to organize, time to post and they are definitely overkill when we don&#8217;t have anything interesting to report with our finances.   
But.. we are already halfway finished [...]]]></description>
		<link>http://www.debttodreams.com/2008/06/24/borrowing-costs-may-2008/borrowing-costs/</link>
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		<title>Monthly Update: May 2008(-$50,849.30, -$894.17)</title>
		<description><![CDATA[We continued to tread water again last month.  
We are balanced on an edge, living within our means each month, but not investing in our future.  We are able to  keep our monthly bills within our normal monthly cash flow.   Unexpected expenses force us to dip into our savings to [...]]]></description>
		<link>http://www.debttodreams.com/2008/06/15/monthly-update-may-2008/goals-and-monthly-updates/</link>
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		<title>Borrowing Costs: April 2008 ($66.07, YTD $491.07)</title>
		<description><![CDATA[Here are our April costs, 2 months late.  When I ran the numbers it was nice to see that we didn&#8217;t spend any money in April on extra bank charges(late fees, finance charges, etc..)
Here is the break down for the month ending in April:

My thoughts on this category: 

My wife and I have been [...]]]></description>
		<link>http://www.debttodreams.com/2008/06/07/borrowing-costs-april-2008/borrowing-costs/</link>
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