When You Are In A Hole, Stop Digging
This is a frequently used phrase in my house. It means “if you are in trouble the first thing you should do is stop doing what got you into trouble“. In context, this might be: you were just told by your parent not to act like a caveman at the dinner table, so now is not the time to make fart noises to lighten the mood.
How this applies to your career and your money:
If you are in the wrong job, fix it or get a new one. You can work on these at the same time: change what you can and send out CVs at the same time.
If your private practice is foundering despite your best efforts, then close up shop and find a job. Better a month too early than a day too late.
If you can’t make financial headway, spend less. Just earning more isn’t the answer: if you live beyond your means the hole will just keep getting deeper. Stop digging.
Lastly, one for finance writers: not one more comment about how doctors’ wives like big houses. Or how there is no pay gap in medicine because every appy pays the same. Not one more. Or you will have to leave the table.