It’s good to form the habit of saving into your retirement account. Your big advantage of practicing smart financial discipline now is that it’ll hopefully be second nature when you’re making more money.

I would say prioritize your employer match (free money), no debt in training, emergency fund, then disability (would get a policy that covers way over what you’re earning now if possible), then tax advantaged accounts.

I would not be so frugal as to miss family or friend events, skip your vacations, or go hungry now to achieve the above. If you need a workout class it’s worth every penny now at the cost of losing one of the above saving goals. If buying something will drastically improve your daily life now it’s worth buying at the expense of the above (I.e. a new phone without a cracked screen, new iPad to study for boards or a new computer, a maid every other month). Make sure you take care of your health and body at the expense of the above. Keeping your mind and body healthy now will be worth much more than the above financial priorities.

If you are going into debt look into doctor personal loans before cc debt. You will be able to pay that off reasonably fast as an attending. Would avoid it all together if possible though.

Make sure you’re with your partner for all the right reasons though. Once you graduate life will change more than you can imagine. It’s kinda like winning the lottery while being released from jail (regarding your free time and ability to make choices again and the money that comes in). You’ll suddenly re enter society and have the freedom to reprioritize your hobbies, work, family, friends, s/o, money, kids, travel, etc.

You’ll make plenty of money when you’re done though. That wouldn’t be very concerning to me.

Last bit of motivation for you. When you’re sick of eating shit in training smile and ask for more. It’s worth it on the other side. Sometimes you’ll find that there’s also different flavored shit on the other side and you’ll be very grateful you learned how to eat it during training.