[bpodgursky]

Having known many people who went through medical school and residency, I'm confident almost none of them would have accelerated their family plans with more money. Medical residents who work 80 hour weeks simply have less than 0 time to start a family.

(And in fact, of the very few who did, it is always when the husband was a resident and the wife stay-at-home or a different career. In these cases, the finances were not a huge constraint; if nothing else, it is extremely easy to take on cheap debt as a resident.)

I can't speak as confidently to lawyers and interning, but I'd be surprised if the dynamic was different.