Finances in Your First Year Out of Training

Base monthly income = $11,000 (take home) (with approx 2-3 K extra depending on how many extra shifts I do)

Max out 403B (@ 18,000/26 = $692/paycheck) - Get 4% match from hospital
Max out HSA (@ 6500/26 = $250/paycheck)
Spousal IRA (@ 5500/26 = $211/paycheck)
529 for nephew (to convert to our kid's name when we have one)
Med school repayment = $5000/month

Debating whether or not to contribute to 457B - since that wouldn't lower me to the next lower tax bracket, & will also decrease take home pay

Also wanted to add that several people mentioned 529s for other's kids but know that you can open one in any kid's name (need SSN, address) & then can transfer to your kid's name when it is born (so can save for an extra couple of years)

Employer provides access to Fidelity on premises & have a low cost accountant but anything I can add to this

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Finances in Your First Year Out of Training