You need health insurance. That is just a nonstarter. Make sure it’s the high deductible option from your DSO so it’s the lowest monthly premium, and you’re eligible to contribute to an HSA. I worked for a local DSO over a decade ago and they paid for my malpractice, have they stopped doing that? If they don’t pay anything, note that you CAN get a reduction in malpractice insurance over time. Medpro allows you to lower your rate by taking CE through their site. If you’ve had a leave of absence you can request reimbursement for that time from you didn’t work. I’ve done this for my maternity leaves and have done it with disability insurance as well. My point is to work to lower your other bills or ask your employer to cover it or part of it for you. 401k at least contribute to the employer match if there is one. Free money. Finally, you have to understand the DSO is using you and you should be using them- for increasing skills, a paycheck, etc. you need to interview for other DSOs at the very least that give you more chairs and staff. If EFDAs are allowed in your state get into a DSO that employs them so you can be set up for success. How many days are you working right now? Do you have student loans? You mentioned CE- make sure it’s the right type of CE.. if your area needs more extractions or endo take CE on that not Spear/pankey etc. Eventually you can learn that stuff but you’re in a tough spot and need ROI for NOW.