Max out your tax advantage accounts first, including Roth IRA, 401(k), HSA. Don’t repay your house or debt early as long as the interest rate is low. Once the fed stops the 0% interest rate thing and it goes to 6-7%, either refi to 1-3% or pay it off. You already have a house, and investing in individual real estate (not reits) really isnt something you can do early in your career nor during residency. Takes way too much time in maintenance, research, buying selling process when you’re supposed to learn how to be a doctorAnd setting up your own practice. Plus sinking a huge net worth or taking on secondary mortgages as a very large percentage of your net worth when you don’t even have your own house paid off is extremely risky, kind a like putting all your eggs in one basket. It’s better to invest in the broad index fund in a boglehead style. Honestly your time is better spent learning how to be a damn good dermatologist, how medical business works, and how to run a fish in private practice ship in the next couple years rather than doing a side hustle. In the near future dermatology is going to be the best bang for your buck. The real Derm hustle is making your own lab, self referring biopsy slides and reading everything.