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From the Attending Financial question bank

Board-style money questions for physicians.

31 questions in the open pool, written the way a board vignette is written, with the teaching point behind every choice after one tap. No account to read them.

Today’s question → · The full bank of 334 is in a free account: start it.

Contract Mastery · 6

  1. A physician receives a $36,000 signing bonus, about $24,500 after withholding, under a clause requiring repayment 'in full upon termination of employment for any reason…Answer it →
  2. Two offers: (A) a flat $250,000 base with no productivity component, and (B) a $180,000 base plus $52/wRVU on all production. For a physician unsure of her patient…Answer it →
  3. An emergency physician spends 2026 working locums assignments exclusively, finishing the year with $220,000 in net self-employment profit after business expenses and no…Answer it →
  4. A dermatologist is named in a claim she believes is defensible. Her insurer proposes settling for $150,000. Her policy requires her written consent to settle but…Answer it →
  5. A private-equity platform offers to acquire a six-physician group at 10 times EBITDA. The EBITDA figure is created largely by each partner accepting a $150,000 annual…Answer it →
  6. At a final recruitment dinner, a department chair tells a graduating internal medicine resident, 'We will move you off nights within a year, and we will gross up your…Answer it →

Money Foundations · 6

  1. A PGY-2 with $240,000 in Direct Unsubsidized loans is reviewing her servicer statements and wants to know when her accrued, unpaid interest can still be added to her…Answer it →
  2. A 34-year-old anesthesiologist earns $340,000 per year. Her household's essential monthly expenses — mortgage, food, utilities, insurance premiums, minimum debt…Answer it →
  3. A new PGY-1 graduates in May holding $200,000 of Direct Unsubsidized principal and $40,350 of accrued, unpaid interest. His six-month grace period ends in late November…Answer it →
  4. A 41-year-old dermatologist earning $520,000 owns 40 percent of a small practice that carries a commercial line of credit she has personally guaranteed. Her spouse…Answer it →
  5. A grandfathered third-year medical student needs $14,500 beyond her school's standard unsubsidized package for the 2026–27 year, and she has both remaining Direct…Answer it →
  6. A single incoming intern signs a residency contract with a $67,000 annual stipend at a hospital in a state with no income tax. She claims the standard deduction, has no…Answer it →

The Loan Playbook · 6

  1. A PGY-2 anesthesiology resident with $310,000 in federal Direct loans is enrolled in IBR and works full-time at a 501(c)(3) academic medical center, intending to pursue…Answer it →
  2. A first-year attending refinanced $180,000 with a parent cosigner to qualify for a lower rate. Two years and twenty-four consecutive on-time payments later, the parent…Answer it →
  3. An academic geriatrician holds two positions: 16 hours per week on faculty at a 501(c)(3) university hospital and 15 hours per week at a Veterans Affairs clinic. She…Answer it →
  4. A hospitalist with $310,000 in Direct loans works for a 501(c)(3) health system and has 68 qualifying PSLF payments. A recruiter offers a private, for-profit position…Answer it →
  5. An attending certified employment at a qualifying children's hospital for 2022 through 2024, and the PSLF form was approved. He later finds 14 payments from that period…Answer it →
  6. Four physicians each carry roughly $250,000 in federal student loans and receive the same private refinance offer at 4.9% fixed, about two points below their weighted…Answer it →

The Paycheck Series · 6

  1. A 40-year-old anesthesiologist compares two 2026 offers: a hospital W-2 at $300,000 with a 401(k) offering a 4 percent match, versus a $300,000 1099 contract under…Answer it →
  2. A married Pennsylvania physician couple, each with W-2 income above $200,000, files jointly and wants the maximum 2026 Pennsylvania income-tax deduction for 529…Answer it →
  3. A PGY-4 anesthesiology resident signs a moonlighting agreement in March 2026 and expects roughly $40,000 of 1099 income spread across the year, with no withholding. To…Answer it →
  4. An attending emergency physician earns a $320,000 hospital W-2 salary, so payroll has already taxed the full $184,500 Social Security wage base for 2026. She adds…Answer it →
  5. A nephrologist in a W-2 practice position adds $50,000 of 1099 telehealth income in 2026 and sets up federal quarterly payments that hit her 110% federal safe harbor…Answer it →
  6. A married couple lives in State R, where an orthopedist earns $390,000. Her spouse, a nephrologist, commutes daily across the border to a hospital in State W and earns…Answer it →

Wealth Building · 7

  1. A PGY-2 earning $70,000 can set aside $300 a month in her hospital’s 403(b), which offers traditional and Roth options and no employer match. She expects to earn…Answer it →
  2. A 34-year-old anesthesiologist earns $420,000 at a private hospital whose 401(k) permits after-tax contributions. During 2026 she defers the full $24,500, and her…Answer it →
  3. A 54-year-old emergency physician spends $180,000 a year after tax and wants to drop to 0.5 FTE, which would net $100,000 a year after tax. She asks what portfolio she…Answer it →
  4. A hospitalist earning $310,000 in W-2 wages harvests losses during a market decline and finishes 2026 with a $40,000 net capital loss after offsetting all of her…Answer it →
  5. A dermatologist filing jointly with $560,000 of taxable income — the 35% bracket in 2026, and subject to the 3.8% net investment income tax — is choosing between a…Answer it →
  6. Two years into practice, a surgeon reviews four spending increases adopted since residency: a mortgage payment $2,400 per month larger than her old rent, private school…Answer it →
  7. A new attending buys a $600,000 home with a 0%-down physician loan the month she starts her first job. Fourteen months later the group implodes and she takes a job two…Answer it →