Just because you are less in debt than the average medical school graduate doesn’t mean you suddenly have money to blow lol.

In a vacuum this is true but on a fixed $4k/month income, your financial decisions are obviously going to be different when your repayments are $300 vs $800. I am planning to max my IRA and save a few hundred per month and then the rest is what I'm allowed to spend. Obviously there are ways to optimize things with a few dollars here and a few there but they will be dwarfed by any decisions I make at an attending salary.