At the end of college you're broke. At the end of medical school you're in debt up to your eyeballs. At the end of residency ... well ... you are worse than all that.
Plus you face finding a job, a new home, a move and 4-6 weeks of credentialing and licensure. This all means that your debts have come due and no sign of a pay check for up to two months. The phone is ringing off the hook with everyone you ever borrowed money from in the last 14 years on the other end.
The kids are using moving boxes as trash cans, laundry hampers, shelves, and toys because you can't afford any of those things until that first paycheck comes. I cannot tell you how hard this phase is. OMGosh, there is not a word to describe it. It was horrible though. Finally, after long last, when I thought I couldn't go on- Here comes the sun!!!!