Financial independence or early retirement, just like paying off debt, can be a major mountain to climb, especially if you are just starting out. A mountain that once calculated, can seem very overwhelming or nearly impossible to overcome which can sometimes lead to a stop in momentum towards reaching these goals. This is true in all professions, but I know based on first hand experience it can be especially true in the healthcare world especially during times like these. It’s hard to see how you could grind this hard, day in and day out yet still have 10, 15, 20, 25, 30 years left until you reach financial independence/retirement. However,…