Freedom Formula for Physicians is a great financial resource for physicians young and old. It's never too late to improve your financial planning. I wish I would have had Dave as a resource back in medical school. We get plenty of in depth training on the science of medicine, but very limited advice on how to make wise decisions financially. Physicians rarely get advice outside of the big insurance/investment firms who often don't always have the best intentions - Dave does this in a very unbiased, descriptive manner. Buy the book, don't wait!