[uoaei]

The assertions like GP are laughable every time they come up. Having no liquidity is not the same as living paycheck-to-paycheck. LP2P means not being able to scrounge up any money for vital necessities until the next pay period. Most doctors (and for that matter, most people who complain about high COL lifestyles while working in tech) can obviously pull a bit of cash from their investment accounts if need be. Yes there are fees attached but you can handle those. LP2P means you're living in your car if you can't get the money in the next 4 weeks.