https://www.doctoredmoney.org/doctored-money daily 1.0 2018-07-14 https://www.doctoredmoney.org/main-topics daily 0.75 2018-12-19 https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1487265760231-O50QNCYN0ZF81E9RZYA5/35145153_m.jpg All Topics https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1487265778899-UGEIWCBHSSBMMVT7YLCM/35580971_m.jpg All Topics https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1487265786790-CVLS79K6AQDVF6YT4JHB/57784005_m.jpg All Topics https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1545226594085-0KU6WKDJGCATTFBWOKGI/life-insurance.png All Topics https://www.doctoredmoney.org/our-purpose daily 0.75 2025-08-25 https://www.doctoredmoney.org/student-loan-resources daily 0.75 2019-04-15 https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1493656335987-9TQRLPS0B657EJ69OEMT/image-asset.png Additional Student Debt Resources https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1488313625172-AS7XZD5F2DUQGNRJXHJY/Education+Debt+Manager+for+Graduating+Medical+School+Students--2017.jpg Additional Student Debt Resources https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1488313658748-ZQGGZ2VXE8OAQZ8CCHV2/Screen+Shot+2017-02-16+at+3.06.02+PM.png Additional Student Debt Resources https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1488313746971-G1FYSXD9WVQW14GT4O6Y/Screen+Shot+2017-02-16+at+3.19.52+PM.png Additional Student Debt Resources https://www.doctoredmoney.org/who-we-are daily 0.75 2025-08-25 https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1488079084103-HJFDTU721U16GOF8BLYG/image-asset.jpeg Who We Are https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1527861417918-4T8GB7HR6RXHWPI84DAT/SotiriosKeros.jpg Who We Are https://www.doctoredmoney.org/taxes/wfour daily 0.75 2025-08-25 https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1493154061034-KRO1RRIDZV6BC2ITESE0/W4+Banner.png W-4 https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1493223039948-1GHZ5M6X4YWFIZO59K0T/doctoredmoney_icon_big_single_03.png W-4 - Single, one job: Single, one job making less than $130,000: Choose “single” and put “1” allowance on line 5. https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1493223082452-AW4XCW544P7XDDQAGJXU/doctoredmoney_icon_big_married_03.png W-4 - Married, and each spouse has only one job with a similar salary: Each chooses “married” in Step 1, and each check the box in Part 2c. https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1493223144212-ND6CRW2PQOKVOVNT4LWK/doctoredmoney_icon_big_multiple_03.png W-4 - Single or married with more than two jobs with non-similar salaries? No curbside consult for you! Keep reading below for more info. https://www.doctoredmoney.org/taxes/wtwo daily 0.75 2023-02-09 https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1493142388337-27OBAVVT48B330DUM5RZ/W2+Banner.png W-2 https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1493142575002-D8D0VT7NN72J0AN4IFW0/image-asset.png W-2 https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1493144804659-U76479LGA0CQRMG5XMKY/w2sample.png W-2 EXAMPLE: Suppose the salary was $63,000, and health insurance premiums were $3000. The premiums are not subject to income tax or payroll taxes, and thus only $60,000 appears in Box 5. The same amount appears in Box 3 (because it is less than the SSWB maximum). But only $55,000 is listed as taxable income in Box 1. That's due to $5000 in tax-deductible 403b contributions, which is designated by code "E" in box 12. [Note that the $45.50 shown with code "C" (taxable group life insurance benefits) in Box 12 would normally be added to Boxes 1/3/5, but we did not do so in this example so that we could stick with round numbers] https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1493147274401-4Q7ZU7B12KGWDO6YG1KP/w2box1.png W-2 https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1493147828280-V2E0DXA8AI0O4M7327U4/image-asset.png W-2 https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1493148041563-F9T3U93CORCE9Q3YMKE4/image-asset.png W-2 https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1493148417179-B04PETJCR9POJIB8R08D/w2box21719.png W-2 https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1493149304476-KW1VR15ICQE6YXZK6N4O/w2box1618.png W-2 https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1493149012061-4BVJEX5FZG7C1V0ZOGJ1/image-asset.png W-2 https://www.doctoredmoney.org/disclaimers daily 0.75 2022-01-23 https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1492662332332-1TJQIJJVHLL499AUUQCY/disclaimer_l.jpg Disclaimers https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1492658831443-MTWF41GDXRNZL6HT6NF8/image-asset.jpeg Disclaimers https://www.doctoredmoney.org/taxes daily 0.75 2019-02-26 https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1493244318377-2FK2C4JZUUMOI8ZZKQUX/35580971_m.jpg Taxes https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1493240220676-J81GFJ7SMRY91D7K0WMN/image-asset.png Taxes https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1493240348852-7RXA2VTGZDTTP9I69E84/image-asset.png Taxes https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1496712123405-S91XH9YSN12THHC1QTMD/image-asset.png Taxes 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https://www.doctoredmoney.org/payroll-withholding-calculator daily 0.75 2026-02-04 https://www.doctoredmoney.org/loan-scenarios daily 0.75 2018-07-03 https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1494463448027-W63KWSXV8RLX3VRSWZU0/doctoredmoney_icon_big_single_03.png Loan Scenarios and Advice https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1494463813622-NLHEHCF1C7IT3WF4CKI1/image-asset.png Loan Scenarios and Advice https://www.doctoredmoney.org/student-debt/weighted-average-interest-rate-calculator daily 0.75 2018-06-27 https://www.doctoredmoney.org/student-debt/loan-repayment-calculator daily 0.75 2025-02-18 https://www.doctoredmoney.org/student-debt/student-loan-basics daily 0.75 2018-06-27 https://www.doctoredmoney.org/taxes/mfj-vs-mfs daily 0.75 2019-03-05 https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1496325803401-HR8ORWPTQWQC690X0MK1/image-asset.png Implications for MFJ vs MFS 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daily 0.75 2019-07-02 https://www.doctoredmoney.org/survey-end daily 0.75 2018-06-01 https://www.doctoredmoney.org/feedback daily 0.75 2018-07-29 https://www.doctoredmoney.org/pslf-loan-tracker daily 0.75 2020-06-26 https://www.doctoredmoney.org/paye-and-ibr-payment-cap-calculator daily 0.75 2025-01-10 https://www.doctoredmoney.org/404-error-custom daily 0.75 2018-06-25 https://www.doctoredmoney.org/tools-and-calculators daily 0.75 2025-08-25 https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1543847188226-E0R3EYQVPZCZ50233WZX/doctoredmoney_icon_big_married_03.png Tools and Calculators https://www.doctoredmoney.org/loan-scenarios-and-advice daily 0.75 2019-07-01 https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1493326917412-UTDJHYK00GZQ8NI6R4O2/doctoredmoney_icon_big_single_03.png PSLF Payment Plan Advice for the Unmarried Borrower - The Single Resident The Single Resident https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1493328529285-V3YCQW918SCI82K7DIXU/image-asset.png PSLF Payment Plan Advice for the Unmarried Borrower https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1493648332541-AHI7VBEZRZS2ZZUPKBT2/image-asset.png PSLF Payment Plan Advice for the Unmarried Borrower https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1493821529268-8FH4SEQR09FPV4IAGE4I/image-asset.png PSLF Payment Plan Advice for the Unmarried Borrower Assumption: $100,000 loan balance, unsubsidized, 6.8% interest rate. https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1494517073997-T9V7ZQY46T9VTID8BGAO/graphsingleincome2.png PSLF Payment Plan Advice for the Unmarried Borrower https://www.doctoredmoney.org/loan-scenarios-and-advice-1 daily 0.75 2018-07-03 https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1494463448027-W63KWSXV8RLX3VRSWZU0/doctoredmoney_icon_big_single_03.png Copy of Loan Scenarios and Advice https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1494463813622-NLHEHCF1C7IT3WF4CKI1/image-asset.png Copy of Loan Scenarios and Advice https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1493326917412-UTDJHYK00GZQ8NI6R4O2/doctoredmoney_icon_big_single_03.png Copy of Loan Scenarios and Advice - The Single Resident The Single Resident https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1493328529285-V3YCQW918SCI82K7DIXU/image-asset.png Copy of Loan Scenarios and Advice https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1493648332541-AHI7VBEZRZS2ZZUPKBT2/image-asset.png Copy of Loan Scenarios and Advice https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1493821529268-8FH4SEQR09FPV4IAGE4I/image-asset.png Copy of Loan Scenarios and Advice Assumption: $100,000 loan balance, unsubsidized, 6.8% interest rate. https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1494517073997-T9V7ZQY46T9VTID8BGAO/graphsingleincome2.png Copy of Loan Scenarios and Advice https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1494464709805-JI1347MMJI88QF8XPOUO/image-asset.png Copy of Loan Scenarios and Advice https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1494467266587-UVAQTVU11NGMNJZMUTA7/image-asset.png Copy of Loan Scenarios and Advice https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1494467331859-0QBUGADXVVP5RFO3KAD2/image-asset.png Copy of Loan Scenarios and Advice https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1494507360659-I3KEZDNYIYD2CNAECKOH/image-asset.png Copy of Loan Scenarios and Advice https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1494513729635-IVKTUFI6J65XVL362DSV/image-asset.png Copy of Loan Scenarios and Advice Note that in order to make our calculations easier, we used a family size of “2” for all values, even when single or before married. 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In reality, the monthly payments prior to marriage are a little smaller https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1494512796415-MYM7GFRCJJBXE43RPL5R/image005.png PSLF Payment Plan Advice for the Married Borrower https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1494514203763-Z8GX97QH4PKYYVXHH3B0/image-asset.png PSLF Payment Plan Advice for the Married Borrower https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1494512859621-H7570SXER0CWF6J9EKJV/image008.png PSLF Payment Plan Advice for the Married Borrower https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1494514531379-L0VO5KM6NAUJA741148E/Total+Balance.PNG PSLF Payment Plan Advice for the Married Borrower https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1494512907968-OEB5KFFKZYLVZSN85WPH/image009.png PSLF Payment Plan Advice for the Married Borrower https://www.doctoredmoney.org/federal-student-loan-repayment-calculator daily 0.75 2019-02-19 https://www.doctoredmoney.org/refinance-calculator daily 0.75 2018-07-11 https://www.doctoredmoney.org/disability-insurance daily 0.75 2018-12-27 https://www.doctoredmoney.org/pslf-ppt-presentation daily 0.75 2018-12-10 https://www.doctoredmoney.org/copy-of-disability-insurance-for-dalton daily 0.75 2018-12-11 https://www.doctoredmoney.org/insurance daily 0.75 2025-08-25 https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1544631987519-A0FD9WKNS9UZ88CVCXA4/disability-insurance Insurance https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1544632031073-002CTDQ9206UA4KMNFVI/life-insurance Insurance https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1544632074518-WXVH7XACP08Q6ACE6VD8/umbrella-insurance Insurance https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1544632128236-HGCS9YTHBL8ITSQMMGY1/insurance-health-care Insurance https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1544632159634-LDJTI04YOEU8DASZGMEU/dog-vector Insurance https://www.doctoredmoney.org/life-insurance daily 0.75 2020-08-27 https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1545951008196-7SF45XSLEIJRUEIMUP1N/life+insurance+cost+chart+image.PNG Life Insurance Frequently Asked Questions https://www.doctoredmoney.org/sanford-postsurvey-landing-page daily 0.75 2019-02-14 https://www.doctoredmoney.org/idr-payment-and-cap-calculator-tutorial daily 0.75 2020-01-26 https://www.doctoredmoney.org/loan-payment-calculator-tutorial daily 0.75 2019-07-06 https://www.doctoredmoney.org/side-jobs-moonlightly-selfemployment daily 0.75 2025-08-25 https://www.doctoredmoney.org/dept-ed-pslf-guidance daily 0.75 2023-01-13 https://www.doctoredmoney.org/forum daily 0.75 2019-04-24 https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1555894460206-CFX60MUFAI0471Z8RNNJ/Annotation+2019-04-21+192430.png Forum https://www.doctoredmoney.org/nyp daily 0.75 2019-07-02 https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1496557942041-IPT8K1KH513XBNGGU59D/Doctored+Money.png Welcome NYP House Staff https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1528811378208-MS8XGJ4A85D4NXLQQXZ8/New_York-Presbyterian_Hospital_logo.png Welcome NYP House Staff https://images.squarespace-cdn.com/content/v1/57a4d128e6f2e1220f6a1d97/1528150753183-IZQ32DHL7GZHXBWQXR9Y/presentation+screenshot.PNG Welcome NYP House Staff https://www.doctoredmoney.org/loan-analysis-request-form daily 0.75 2021-03-31 https://www.doctoredmoney.org/loan-analysis-request daily 0.75 2020-04-01 https://www.doctoredmoney.org/when-to-refinance-nonpslf-loans daily 0.75 2020-05-27 https://www.doctoredmoney.org/hsa-calculator daily 0.75 2025-10-19 https://www.doctoredmoney.org/mi-unemployement-insurance-calculator daily 0.75 2020-06-02 https://www.doctoredmoney.org/test daily 0.75 2020-06-13 https://www.doctoredmoney.org/tjqa daily 0.75 2021-03-15 https://www.doctoredmoney.org/sinai daily 0.75 2024-02-15 https://www.doctoredmoney.org/survey daily 0.75 2021-05-14 https://www.doctoredmoney.org/empire daily 0.75 2021-04-30 https://www.doctoredmoney.org/oops daily 0.75 2021-05-03