Hi all, I am brand new to the forum. I must say that I have learned a lot reading the forum over the past few hours, but mostly I have learned that I have a lot to learn. Long story short, my wife and I are finishing medical residency (both late 20's) and were approached by a financial adviser. While the financial adviser opened my eyes to some of the investment possibilities available, I wondered if I needed to pay someone such a large fee to manage our money. Ultimately, with the help of a financially savvy friend, that led me to Bogleheads. I'm looking for any advice or opinions on our best financial strategy over the next year. Specifically, investing vs. loan repayment. 401(k) vs. IRA, etc.
1. Late 20's married couple, both physicians
2. $240k student loan debt at 6.8%
3. $12k each in 403(b) from residency, invested in Vanguard 2045 target retirement
4. Working as independent contractors next year, approximate combined gross earnings ~$500-600k
Initially I thought that paying off loans as quickly as possible would be most beneficial; but after learning about the solo 401k plan, I am wondering if we would be better off maxing a 401k and then paying off loans with the remainder. Thanks in advance for any advice / tips!