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You're talking small money here...$1K, $3K, $10K...if you graduate from medical school a year early, you'll have a year of $200k-$300K earnings you wouldn't have otherwise. That's big money. So my advice is: Apply for medical school now -as in this weekend- if you're going at all.

As as Paul noted, cap loss selling is a critical part of financial planning. If you've got a loser you can write off, do it (and immediately buy something similar).

Personally I'd invest your efund unless you think you could be fired anytime, but others are more conservative.


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