<prompt> Human: Im graduating from medical school in a few months. My parents were able to take out a loan for the vast majority of my education at a low interest rate, 2 or something IIRC. My last year I took out a federal loan 50k to pay for expenses tuition.Ive never had a budget. I know I spend money frivolously, but I honestly have no idea what to do to curtail my spending. My goal is to pay back my federal loan ASAP and then immediately switch gears and start paying my parents back for the loan they withdrew for me. Im here looking for pointers in what to do to how to budget better and just become a better finance person. I want to have money when I retire and do not want to be working paycheck to paycheck. Thank you for all help.  <response>: I dont think most doctors work paycheck to paycheck.Residents might, but once you get your medical license and a 200K job, that would help. Start here: 