<prompt> Human: Hello PF-ers. Ive been a longtime lurker and before I begin discussing my problems, Id like to thank you all for the information posted here.I graduated from university last year and have been offered a salaried job 75,000annum within a field related to my major. I will be living with my parents, who are helping me save as much money as I can. My only liability is a student loan of around 10,000, which I will be paying off by the end of this year.I plan on maxing out my 401k and Roth IRA to reduce taxes on income and use time-compound interest magic.Here is some useful information:- 75,000 net salary 35,894.36 after taxes, 401k, Roth IRA- 10,000 in savings account - Fixed monthly bills: 1,600 petrol, food, and loans Monthly surplus 1,391.19I would like to study medicine some point in the near future and work in disadvantaged communities. Would it be advisable for me to work for a couple of years and save as much as possible instead of taking out loans? Also, would a 529 plan help me achieve this endeavour? Any suggestions? Financial independence is something very important to me.  <response>: The longer you spend outside of school the harder it will be for you to go back. If you want to go to medical school, do it as soon as possible. Just my personal opinion. 