A typical doc may emerge from residency with a web worth of -$250K. Web worth is the assets minus the money you owe, anything you very own minus whatever you owe. Removing financial obligation boosts your assets equally as much as acquiring assets. A buck of financial obligation paid off is strictly just like a buck spent. The investing vs paying off loans discussion could be complicated, but just understand that both paying down investing and debt are good things you can do along with your cash.