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hey everyone im dr steph and im one of the lecturers for the financial literacy curriculum at u of t med today im going to be doing a quick video covering one of the most commonly asked resident questions should i incorporate keep in mind this is an educational video on incorporation and by no means replaces an accountant as financial advice now it is meant to provide you with a basic understanding around the terminology of incorporation as well as the pros and cons so that you can have a well-informed discussion with your accountant or lawyer so lets begin lets do a quick case study lets talk about the case of dr steph so dr steph is making is a staff physician making around twenty five thousand a month or three hundred thousand dollars a year in her income uh shes paid off her debt and she has around annual expenses of 70 to 80k um she is considering matt leaf in the near future and she has already maxed out her tax advantaged accounts like her tfsa or her rrsp so because the