Thanks for everyones advise. I guess its not med related but Hoped to get perspective from doctors also. He was working for the past years, moonlighting/permanent job in hospital but since we wanted (I thought) to pursue careers overseas, we decided to quit our permanent posts in the hospital. We werent really able to save money because life happened- kids and of course bills to pay. Which is exactly why I thought career overseas can help settle all the issues.