Welcome to my blog, DelayedEarner.com! What is a Delayed Earner, you might ask? Well, in a nutshell, that's me. Allow me to explain. My name is Jerry Hsieh, and I am a physician. I am finishing my fellowship in Pulmonary and Critical Care Medicine, and finally going out into the world to practice independently. Why do I call myself a Delayed Earner? Well, anyone who is familiar with the path of becoming a physician could probably tell you.

A general timeline to becoming a fully licensed and board-certified physician requires four years of undergraduate studies, four years of medical school, and then a residency training of 3-7 years. One may choose to do an additional fellowship which may add several years to that. We start receiving compensation at the start of residency, with an approximate salary of $50k. This increases incrementally by $1-2k every year through residency and fellowship training. The salaries of residents and fellows are much lower than the starting salaries of any other professional degree, considering most other professional degree holders can immediately start independent work after completing their degrees. I am 31 years old now, and will soon be meeting my true earning potential, after spending six years of training and receiving the aforementioned salary. Thus, I do not consider my true earning years until now, hence the title of Delayed Earner.

This blog will talk about my personal experience with finances, moonlighting and how I augmented my salary with what many may call a side hustle, and miscellaneous topics of my choosing! I love playing with software, programming, and anything computer-related, so there may be some topics related to that as well. Thanks!