The future first
As a general rule, a long-term investment plan should take priority over applying extra amounts toward debt. Be careful not to let "lifestyle creep," a tendency toward more expensive tastes and luxury consumption, impede an investment outlook.
By contributing to a long-term investment plan as early as possible, doctors may set themselves up for a brighter and more secure future. If paying down debt is also a priority, one should examine his/her personal budget to decide how much money to direct each month toward investments and how much toward debt repayment, or how much to draw down from accumulated cash accounts.
Just remember, there are no magic numbers. In general, the best advice is to make sure the investment strategy fits the financial expectations for the future.