iStockphoto/Thinkstock Entering a new profession is challenging – and exciting – enough on its own. On top of this, veterinary graduates are faced with managing their debt load and planning for financial security in the future. This section addresses these issues. 10 Point Checklist for Personal Financial Wellbeing AVMA's "My Veterinary Life" Resource for Students to Early-Career Veterinarians off-site Budgeting for Salary Negotiations Creating a Budget & Calculating Debt: Financial Simulator Tool Finding the Silver Lining Finding True Financial Freedom Income-Based Repayment Plans off-site Review Your Financial Biography The 10 Biggest Mistakes Investors Make Understanding Health Savings Accounts What Banks Look For When Lending for Practice Ownership