<prompt> Human: Hello reddit. Im a 23 year old male from Norway, and in a little over a year I will have finished medical school and will finally start to make some decent money. No kids, and single. I realize Ive been quite fortunate as I have no debt at all having lived at home for most of the time in school, and worked part-time to afford whenever Ive been living abroad. What Im coming here for advice on, is how I can make the best choices regarding my financial future, as I want to make the most ouf ot my money. I have big dreams of starting my own practice sometime in the future, and accumulating wealth for some years seems to be a good way to start.Following medical school, I will be working as an intern for 1,5 years, with a yearly salary of about 85.000. The year after that I will work as a lieutenant doctor in the army, with food and board paid for, and a yearly salary ranging between 85.000 to maybe 130.000 depending on where Ill be doing my service. These 2,5 years, especially the one in the army, allow me to save a lot of money. If you were me, what would you do to make the most out of this money? I also want to buy an apartmenthouse after the army and settle down somewhere, but Im unsure how I should go about this. While working as an intern, I guess renting a cheap hospital-apartment would be the best choice? Real estate in Norways currently really expensive. Heres a graph showing how the price per square meter has gone up, with apartments shown in green. Should I hope for the bubble to burst before I buy real estate, if there even is a bubble?My current plan is to just save as much as possible and put it all into index funds once my emergency fund is ready Im thinking 2-3 months worth of living costs. Does this sound reasonable? Ive already got 11.000 in index funds, but my current money on hand total 26.000, most of it sitting in a low interest rate bank for now. Should I touch this money? My philosophy on investing is that I should not invest money I cant afford to let be for 20 years. On a different note, I dont know if the same rules and advice seen on this subreddit all apply to me as Im Norwegian. First of all I have to pay a 28 tax on any stock earnings once I realize them, in addition to a wealth tax of 1 that starts ticking once I have a wealth of about 170.000 but our brand new government wishes to reduce this tax, so well see what happens. In addition to this costs of living are high, and my income tax I think will be arout 35-40.Im quite new to finances, investing and what not. I come from a low-average income family where moneys never been discussed. My parents refuse to consider anything else than their 2,5 interest bank account. But on the positive side, my upbringing has taught me to be careful with spending, and I can be a total cheapskate and live very frugally when need be.So this is all new to me. Id love any advice from all of you wise people that Ive seen during my few months of lurking. I thank you all.  <response>: I saw youd be an MD without debt and I said what the fuck. Then I saw you were in Europe. Makes sense now. 