AttendingFinancial
Sign up

Residency curriculum · academic year 2026–27

Resident Financial Well-Being Curriculum — Family Medicine

10 modules that take a family medicine resident from the first paycheck to the first contract, and end with a written financial plan that only you can read. Built by Jonathan Shafer, DO, a practicing family physician and residency faculty.

Attending Financial — physician financial education and well-being. For medical students, residents, fellows, and attending physicians.

10 modules · 38 lessons · 162 board-style questions · about 10 hr 20 min · rule year 2026

  • Your plan and your numbers are yours. No one sees your quiz answers, scores, time spent, financial information, or plan.
  • Your program sees aggregate completion, and only once five verified residents have joined.
  • You choose whether your program director sees your own completion status (complete or not complete). You can turn it off at any time.

Free, with no card and nothing to cancel. Education, not individualized financial advice.

Start lesson 1 (no account)Create a free account

The modules

  1. 01

    Your residency paycheck, decoded

    45 min

    Every line between gross and net is a decision someone made, and several of them are yours to change. The Roth-or-traditional choice you make in residency is worth real money because your bracket will never be this low again.

    Mapped to CPR 4.3.g

  2. 02

    Federal loans during training

    1 hr

    After the 2025 overhaul, the real choice is RAP or IBR, and PSLF counting can start in PGY-1 at a qualifying employer. The recertification calendar and your employer's status decide most of the outcome.

    Mapped to CPR 4.3.g · FM 4.7.g

  3. 03

    Living on a resident salary

    35 min

    A resident budget works when fixed costs are set first and the rest is flexible on purpose. An emergency fund sized for a resident's real risks turns most shocks into inconveniences.

    Mapped to CPR 4.3.g

  4. 04

    Insurance while you are the asset

    1 hr 20 min

    Your future income is the largest asset you own, and own-occupation disability coverage is how it gets protected. Term life, health and malpractice coverage each answer a narrower question, and the details of each policy are where the money is.

    Mapped to CPR 4.3.g

  5. 05

    Moonlighting and 1099 income

    1 hr 30 min

    A moonlighting shift's real hourly rate is what remains after self-employment tax, estimated payments and duty-hour limits. Run that arithmetic before you take the shift, not at tax time.

    Mapped to CPR 4.3.g · CPR 4.9.e

  6. 06

    If you trained outside the US

    50 min

    Your visa determines what work you may take, which taxes you owe, and whether federal loan programs exist for you at all. For a resident without US federal loans, this module takes the place of module 2.

    For residents who trained outside the US. It takes the place of module 2 for anyone without US federal loans.

    Mapped to CPR 4.3.g · FM 4.7.g

  7. 07

    Reading your practice's numbers

    55 min

    A panel report, a productivity report and a revenue-cycle summary each answer a different question about the same practice. Once you can read them, the FMP business meeting becomes a conversation you can take part in.

    Mapped to FM 4.11.s · FM 4.11.s.1 · FM 4.11.s.3 · FM 4.11.s.4 · FM 4.11.s.4.a

  8. 08

    How care gets paid for

    1 hr 10 min

    Fee-for-service, capitation and shared savings each reward something different, and your patients feel that through deductibles, coinsurance and prior authorization. Cost awareness in the exam room starts with knowing the difference between the list price, the allowed amount and what the patient actually pays.

    Mapped to CPR 4.9.e · CPR 4.9.f · FM 4.11.s

  9. 09

    The attending transition

    2 hr 15 min

    The PGY-3 year sets the terms of your first decade as an attending: the contract, the compensation model, the non-compete and the first paycheck. Read the contract as a set of numbers and scenarios, and have an attorney read it too.

    Mapped to CPR 4.3.g · FM 4.7.g · FM 4.11.s · FM 4.11.s.1

  10. 10

    Your personal financial well-being plan

    worksheet

    A one-page written plan turns the first nine modules into dated actions you can check against. It is yours: your program sees only that it was completed, never what it says.

    Mapped to CPR 4.3.g

For program directors: the crosswalk

Each requirement is quoted verbatim from the PDF linked beside it. The page numbers are the PDFs' own.

  • CPR 4.3.g · Core · p. 24

    [Residents must demonstrate competence in:] “ability to recognize and develop a plan for one’s own personal and professional well-being; and,”

    Module 10 ends with a written personal financial well-being plan the resident completes and keeps. Modules 1–6 and 9 teach what goes into it. The program sees only that the plan was completed, never what it says.

  • CPR 4.9.e · Core · p. 27

    “Residents must demonstrate competence in incorporating considerations of value, cost awareness, delivery and payment, and risk-benefit analysis in patient and/or population-based care as appropriate.”

    Module 8 covers payment models, cost awareness at the point of care, and how payment shapes the care delivered.

  • CPR 4.9.f · Core · p. 27

    “Residents must demonstrate competence in understanding health care finances and its impact on individual patients’ health decisions.”

    Module 8 covers how deductibles, coinsurance, coverage type and prior authorization shape what a patient decides.

  • CPR 6.13.c · Core · p. 43

    [The responsibility of the program, in partnership with the Sponsoring Institution, must include:] “policies and programs that encourage optimal resident and faculty member well-being; and,”

    The curriculum is a program a program director can name, describe and document. The participation report records aggregate resident engagement with it.

  • FM 4.11.s · Core · p. 39

    “Residents must have a dedicated experience in health system management.”

    Modules 7–9 supply teaching content a program may use within its health system management experience. They are content. They do not make up the dedicated experience by themselves.

  • FM 4.11.s.1 · Detail · p. 39

    “This curriculum should prepare residents to be active participants and leaders in their panel teams, their practices, their communities, and the profession of medicine.”

    Module 7 covers practice economics. Module 9 covers the economics of choosing and entering a practice.

  • FM 4.11.s.3 · Core · p. 39

    “Residents must attend regular FMP business meetings with staff and faculty members to discuss practice-related policies and procedures, business and service goals, and practice efficiency and quality.”

    Module 7 prepares residents to follow and take part in these meetings. It does not replace attending them.

  • FM 4.11.s.4 · Core · p. 40

    “Residents must receive regular data reports of individual/panel and practice patterns, as well as the training needed to analyze these reports”

    Module 7 teaches how to read panel, productivity (wRVU) and financial-performance reports. The program still supplies the reports.

  • FM 4.11.s.4.a · Detail · p. 40

    “Reports should include clinical quality, health disparities, patient safety, patient satisfaction, continuity with patient panel and referral, diagnostic utilization rates, and financial performance.”

    Module 7 covers the financial-performance, continuity and utilization parts of this list. It does not cover clinical quality, disparities, safety or satisfaction reporting.

  • FM 4.7.g · Core · p. 31

    “Residents must demonstrate competence in recognizing and pursuing individual career goals that incorporate consideration of local community needs and resources.”

    Module 9 covers the attending transition. Module 2 covers how PSLF ties a career to qualifying employers. Module 6 covers visa-waiver service obligations in underserved areas.

What this curriculum does not address

  • CPR 6.13.d. education of residents and faculty members in: identification of the symptoms of burnout, depression, and substance use disorders, suicidal ideation, or potential for violence, including means to assist those who experience these conditions; recognition of these symptoms in themselves and how to seek appropriate care; and, access to appropriate tools for self-screening. This is what well-being education is actually required to cover. This curriculum does not satisfy 6.13.d and does not try to. A financial curriculum is not burnout, depression or substance-use education.
  • CPR 6.13.e. Access to confidential, affordable mental health assessment, counseling, and treatment. Not addressed.
  • CPR 6.13.a and 6.14. Scheduling, work intensity, work compression, fatigue and absence. Not addressed.
  • FM 4.11.s.2 and 4.11.s.3. Committee membership and attendance at FMP business meetings. The curriculum prepares residents for these. It does not provide them.

Quoted verbatim from ACGME Common Program Requirements (Residency) and ACGME Program Requirements for Graduate Medical Education in Family Medicine, both effective July 1, 2026, retrieved 2026-10-12. ACGME accredits programs, not curricula. This page maps modules to requirements and makes no claim that any requirement is met.

What a program sees

A program sees its residents' aggregate completion, and only after at least five verified residents have joined. A resident can also choose to share their own module completion status with their program director: complete or not complete, nothing else. Programs never see scores, quiz answers, time spent, financial information, or anything written in the plan. A resident can use the whole curriculum without joining any program.

Last reviewed 2026-10-12. Rule-year figures are checked against IRS.gov, studentaid.gov, CMS.gov and the Federal Register each January.