You go to school because that is your chosen desire not because someone else believes it is a good idea.If you are in school you are clearly intelligent enough to decide your own direction in life.

Where the organic housing inventory went artificially higher due to non locals buying rentals in markets where the need for more rental inventory was not organically needed.

So do not think I have the mentality 'deserve' just 'desire' to have a bed to sleep in and the comforts of money.The 'employers' that I have generally worked for have less education and I often find them less intelligent, in my opinion. 

You can, with a little intelligence, some hard work, and thinking outside the box, provide beautiful, efficient, responsible housing for lots of people, who in turn, will make you wealthy.  

Many in the medical field though are frustrated with pay systems and healthcare reimbursements.. its not all wine and roses :)  but the folks I know in medicine like you say do quite well and are intelligent enough to invest wisely. 

It always depends on the bank but it still gives a starting point for people to give a more intelligent response.

Huntsville is in the top 5 of most intelligent cities, NASA & all the private engineers.Mobile had the BP oil spill that everyone thought would wreck the market but all of the clean up crews, FEMA, etc., were here pumping money in the local economy while the beach tourism was non existent during the spill & clean up. 

Governments artificially support economy to prevent a actual "depression".

Prices kept rising because they thought there was an inflow of "rich, intelligent jet-setting banking wizards" in their city which made living their so desirable with huge migration inflows. 2 years later, they realized it was just speculation and you can google yourself real estate Sydney and London to see the 20% declines....

Look at your housing situation first, then your transportation, then go after low-hanging fruit like vampire-like outstanding personal credit, then think about how to change your food budget intelligently.