Don't have a lot to add on finance side , when i finished residency i focused on oaying off atudent loan and professional lone of credit, unless you have been investing previously tou should have a tonneau of rrsp space to use up.

Just a little weird. On your post. Residency runs July to June each year. 5th year get about 80k plus additional money for on call duties. Exams usually are done just before the end of residency in may. Staff jobs after residency for Surgeons usually bill based on operations done and clinic time seeing patients. Unless you have an established practice and OR time which is insanely hard to get as everyone else established wants OR time as that's where the money is I can't see how you could bill that much in your first year or get a salary that high when you are just finishing residency.... if I am wrong sorry but I don't see it happening