Yale & UCLA-trained IMG/IDG docs who learned U.S. finance the hard way—so you don't have to.
New country. New money rules. We've built U.S. credit from zero, navigated visas, and decoded our first resident paychecks. We share what we wish we'd known.
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More than 1,000 readers. A growing community.
We've made the mistakes. Now we share the lessons.
Your next money mistake could cost more than five minutes.
Sample issue5-minute read
DOFI Digest
Your first U.S. paycheck: what to check
Understand the gap between your salary and your take-home pay. Use a short checklist to review deductions, benefits, and questions for payroll.
One five-minute read on the financial questions IMGs and IDGs face in the U.S.
Tools you can use.
Short checklists and decision trees for credit, paychecks, taxes, and your next money decision.
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People who understand.
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Practical lessons from doctors who've lived your path. Clear explanations. Steps you can use.
More than 1,000 readers. And growing.
We've made the mistakes. Now we share the lessons.
We've lived your path.
Credit from zero. Visa paperwork. First resident paychecks.
Built for your situation.
SSN or ITIN, tax status, mid-year arrivals, and money across borders.
Transparent and unbiased.
Clear criteria for recommendations. Disclosures where you need them.
We're Upasana & Ranjan.
We learned a lot about medicine and dentistry. U.S. personal finance took more trial and error.
We built credit from scratch, worked through visa questions, and tried to make sense of our resident paychecks. Some lessons cost us money. We're sharing them so you can make more informed decisions from the start.
Upasana Acharya BDS, DDS
Co-founder, Doctors in Finance. Helping international graduates make sense of everyday money decisions.
Ranjan Pathak MD, MHS
Co-founder, Doctors in Finance. Sharing practical lessons from learning the U.S. financial system firsthand.
Help international doctors and dentists start strong financially in the U.S.—with simple, bias-free guidance you can act on from day one.
A few questions, answered.
Yes. We write for international medical graduates (IMGs) and international dental graduates (IDGs), whether you're preparing to move, starting training, or beginning your attending journey. You don't need investing experience. We start with the basics and explain unfamiliar terms.
Yes. You'll get our Money Roadmap Book and the weekly DOFI Digest: a five-minute read with a practical lesson, checklist, or decision guide. You can unsubscribe anytime.
We explain the questions to consider, including SSN vs. ITIN, tax status, arriving mid-year, and money across borders. This is general education, not personal financial, tax, legal, or immigration advice. We explain recommendation criteria and disclose relevant financial relationships. For advice about your circumstances, speak with a qualified professional.
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