Are New Anesthesia Attendings HENRYs or are we Just HENR

Started by gaspusher
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gaspusher

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It's like playing a game of monopoly and the banker has rigged the game against you. I have no idea what the MGMA data is for 2025 but I'd wager to say that I'm in the 90% (TOTAL COMP >700k) a year at a stable job (not locums, I can't understand how anyone with a family can do locums or if it is actually financially beneficial in the end but that's another story). My wife also has a stable good income job. Together we bring in about 35-37k in cash a month after maxing retirements. I've been out of practice for a few years now and I do not feel rich, if anything I still feel like we are just getting by.

It's just completely hopeless for new attendings to make it in this country.

Housing:
Despite all our hard work, our parents still needed to help us with the down payment. We had no choice but to take a deplorable 6.7% 30 year mortgage out, and even with 20% down our true PITI is about $24,000 a month. We've had costly repairs along the way. And yes, this is for pretty average house around in the Southern Peninsula.

Nanny/Daycare:
One child, another on the way. Nanny cost is 6k a month, and will go up to 7k a month with our other child. We may need to resort to daycare.

Food:
We cook everything at home.

Student Loans:
Currently on SAVE. With RAP, I'm looking at 5k a month? Maybe more?

Trips:
None recently. None planned.

Clothing/other expenses:
Everything we get these days is for the child(ren).

There's nothing left over to save after this. We work to pay the bills while tech cashes out on RSU, private equity and venture capitalism gets to pay capital gains only taxes, business owners write off everything through the company, etc. Too many years of QE allowed housing prices to go insane, and now between mortgage rates / insane housing prices and nanny/daycare, we can barely afford to make it. This is just insane to me, and it's such a shame that the previous generation has pulled the rug on the present generation and made it impossible to move up in life.
 
I am crying while I play on the worlds tiniest violin.

I am sure there are a lot of Americans who can find “average” housing in an “average” neighborhood and not have to pay $24,000/month. And it costs a lot to raise a kid (or two) that is why a lot of moms have stayed home. Because that kind of work is extremely valuable and NOT cheap.
 
if you think “it is completely hopeless to make it in this country”, I suggest you move to Canada or New Zealand where they will pay all your immigration and licensure costs.

Americans have such an inflated vision of what they are owed as their birthright. They think the previous generation owes them a multimillion dollar inheritance and cheap luxury lifestyle.

Americans—especially BOBOs (to quote David Brooks) are seriously out of touch with the rest of humanity.
 
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gaspusher said:
It's like playing a game of monopoly and the banker has rigged the game against you. I have no idea what the MGMA data is for 2025 but I'd wager to say that I'm in the 90% (TOTAL COMP >700k) a year at a stable job (not locums, I can't understand how anyone with a family can do locums or if it is actually financially beneficial in the end but that's another story). My wife also has a stable good income job. Together we bring in about 35-37k in cash a month after maxing retirements. I've been out of practice for a few years now and I do not feel rich, if anything I still feel like we are just getting by.

It's just completely hopeless for new attendings to make it in this country.

Housing:
Despite all our hard work, our parents still needed to help us with the down payment. We had no choice but to take a deplorable 6.7% 30 year mortgage out, and even with 20% down our true PITI is about $24,000 a month. We've had costly repairs along the way. And yes, this is for pretty average house around in the Southern Peninsula.

Nanny/Daycare:
One child, another on the way. Nanny cost is 6k a month, and will go up to 7k a month with our other child. We may need to resort to daycare.

Food:
We cook everything at home.

Student Loans:
Currently on SAVE. With RAP, I'm looking at 5k a month? Maybe more?

Trips:
None recently. None planned.

Clothing/other expenses:
Everything we get these days is for the child(ren).

There's nothing left over to save after this. We work to pay the bills while tech cashes out on RSU, private equity and venture capitalism gets to pay capital gains only taxes, business owners write off everything through the company, etc. Too many years of QE allowed housing prices to go insane, and now between mortgage rates / insane housing prices and nanny/daycare, we can barely afford to make it. This is just insane to me, and it's such a shame that the previous generation has pulled the rug on the present generation and made it impossible to move up in life.
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It's just you. Sounds like you bought way too much house. I can relate to cost of a nanny as day care hours can be very problematic for an anesthesiologist.
 
Yea the problem is the 3-5 million house (that your parents helped with lol?). Sell it and move to a smaller one or, even better, just enjoy it since you are working hard for it.

Also a lot of PE and tech people don't get 8-9 figure sums you just don't hear about them because they live at home with their parents instead of your top 0.1% neighborhood.
 
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Where is Southern Peninsula? The homes in Southern Peninsula, Beaufort South Carolina are very affordable.

I can get u into affordable luxury physican home for less than 700k selling price. Ha ha

I’m sure you mean in California.

Listen to me

1. Divorce the wife. It’s cheaper in the long run the sooner you divorce your wife in California and the earlier you can recover

2. She got you into this mess wanting to buy a home in the most expensive area in this USA. No one needs a 24k a month mortgage to stress over each month to pay. I’m assuming you got some 3 million dollar 2200 sq for 1950s home that needs a lot of work with a 2.4 million dollar mortgage

3. You will be in tremendous financial stress for a long time especially with another kid on the way. It’s not healthy for your marriage.

Making all that money 95% of Americans would be envious.

And by the way. The Bay Area guys were averaging 950k-1 million a year on regular w2 full time job (not locums) (confirmed on email from corporate that I have a copy of) with 16 weeks off.

Cardiac docs accidentally paid 800k with 35 weeks off.

So 700k isn’t cutting it. You are underpaid for the area. U need to get a better job also.
 
$3.5-4.0m house is pretty average? You’re talking about almost 500k of your income going there. You’re still maximizing your retirement accounts so you’ll still be able to retire one day, just going to be 10 years later than if you bought half that house.
 
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aneftp said:
Where is Southern Peninsula? The homes in Southern Peninsula, Beaufort South Carolina are very affordable.

I can get u into affordable luxury physican home for less than 700k selling price. Ha ha

I’m sure you mean in California.

Listen to me

1. Divorce the wife. It’s cheaper in the long run the sooner you divorce your wife in California and the earlier you can recover

2. She got you into this mess wanting to buy a home in the most expensive area in this USA. No one needs a 24k a month mortgage to stress over each month to pay. I’m assuming you got some 3 million dollar 2200 sq for 1950s home that needs a lot of work with a 2.4 million dollar mortgage

3. You will be in tremendous financial stress for a long time especially with another kid on the way. It’s not healthy for your marriage.

Making all that money 95% of Americans would be envious.

And by the way. The Bay Area guys were averaging 950k-1 million a year on regular w2 full time job (not locums) (confirmed on email from corporate that I have a copy of) with 16 weeks off.

Cardiac docs accidentally paid 800k with 35 weeks off.

So 700k isn’t cutting it. You are underpaid for the area. U need to get a better job also.
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I took this to mean South Florida
 
What does your wife do? Is she absolutely anchored by her career to that location and unwilling to move?

That's the only possible reason I can imagine for you choosing to live the life of a debt slave in a $4-5M starter home, while paying the nation's median household income to someone else to raise your kids.

From the tone of your post it's obvious you're not happy with this arrangement, so move.
 
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This is the OP original post 7 months ago.

So it’s legit post. Shows you how much we try to talk people into common sense and they don’t listen

G

Thread 'Coming to terms with Being Middle Class'

I didn't go into medicine purely for financial goals. I certainly didn't pick Anesthesia for the money, but at the time I was a little envious of my classmates matching into the six year integrated cardiothoracic / NSG / Ortho. As I progress through my 30s, I realize that at the end of the day, all of that doesn't matter. Physicians never have, and never will compete with the Finance Brahs or the tech folks (with the rare exception of those surgeons working day and night to pull 7 figures).

After getting outbid on house after house, I've come to realize that while Anesthesia can...
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You know the saying. Happy wife. Happy life….
 
i’d sell the house next spring

then re evaluate how much house i can purchase and what my income needs to be to support that

get out of this mess for your long term mental and physical health

you’ve made one really poor decision, don’t make any more

what happens if you lose your 700k job tomorrow? you’ll be f**d.
 
As a fellow Bay Area doc, I empathize.

But if you want to own a home in the Peninsula, even with a great income, you're going to be house-poor.

Options for you:

1. Move. You can make similar money in a job in a ton of areas of the country and cut your living expenses in half. You will be wealthier, and feel even wealthier still by comparison to your neighbors.

2. Sell your home and rent. For many, buying a home in the Bay Area is a mistake. Our rent to mortgage ratio is crazy. The house you're paying 24k for probably costs 9k/month as a rental. Put the extra money in the S&P 500 and you'll build a lot of wealth. Obviously renting has downsides too, but for most in the Bay Area it's actually a better decision

3. Be house-poor. It's a fact of life for many in the Bay Area. The good news is in 15 years your house might be worth 6-7 million and you can sell it and retire early if you want. Or it might not. It is higher risk to be so tied to a single asset, but historically it has worked out well for those in the bay area. Will that continue? TBD.
 
gaspusher said:
It's like playing a game of monopoly and the banker has rigged the game against you. I have no idea what the MGMA data is for 2025 but I'd wager to say that I'm in the 90% (TOTAL COMP >700k) a year at a stable job (not locums, I can't understand how anyone with a family can do locums or if it is actually financially beneficial in the end but that's another story). My wife also has a stable good income job. Together we bring in about 35-37k in cash a month after maxing retirements. I've been out of practice for a few years now and I do not feel rich, if anything I still feel like we are just getting by.

It's just completely hopeless for new attendings to make it in this country.

Housing:
Despite all our hard work, our parents still needed to help us with the down payment. We had no choice but to take a deplorable 6.7% 30 year mortgage out, and even with 20% down our true PITI is about $24,000 a month. We've had costly repairs along the way. And yes, this is for pretty average house around in the Southern Peninsula.

Nanny/Daycare:
One child, another on the way. Nanny cost is 6k a month, and will go up to 7k a month with our other child. We may need to resort to daycare.

Food:
We cook everything at home.

Student Loans:
Currently on SAVE. With RAP, I'm looking at 5k a month? Maybe more?

Trips:
None recently. None planned.

Clothing/other expenses:
Everything we get these days is for the child(ren).

There's nothing left over to save after this. We work to pay the bills while tech cashes out on RSU, private equity and venture capitalism gets to pay capital gains only taxes, business owners write off everything through the company, etc. Too many years of QE allowed housing prices to go insane, and now between mortgage rates / insane housing prices and nanny/daycare, we can barely afford to make it. This is just insane to me, and it's such a shame that the previous generation has pulled the rug on the present generation and made it impossible to move up in life.
Click to expand...
1. Dont get a house with 24k mortgage

2. Most daycares are 1200-1600 per month..why do you need a 6k nanny?

3. What kind of cars do you drive? Payments?

If you cant survive in 700k, you have a spending problem, not an earnings problem
 
gaspusher said:
It's like playing a game of monopoly and the banker has rigged the game against you. I have no idea what the MGMA data is for 2025 but I'd wager to say that I'm in the 90% (TOTAL COMP >700k) a year at a stable job (not locums, I can't understand how anyone with a family can do locums or if it is actually financially beneficial in the end but that's another story). My wife also has a stable good income job. Together we bring in about 35-37k in cash a month after maxing retirements. I've been out of practice for a few years now and I do not feel rich, if anything I still feel like we are just getting by.

It's just completely hopeless for new attendings to make it in this country.

Housing:
Despite all our hard work, our parents still needed to help us with the down payment. We had no choice but to take a deplorable 6.7% 30 year mortgage out, and even with 20% down our true PITI is about $24,000 a month. We've had costly repairs along the way. And yes, this is for pretty average house around in the Southern Peninsula.

Nanny/Daycare:
One child, another on the way. Nanny cost is 6k a month, and will go up to 7k a month with our other child. We may need to resort to daycare.

Food:
We cook everything at home.

Student Loans:
Currently on SAVE. With RAP, I'm looking at 5k a month? Maybe more?

Trips:
None recently. None planned.

Clothing/other expenses:
Everything we get these days is for the child(ren).

There's nothing left over to save after this. We work to pay the bills while tech cashes out on RSU, private equity and venture capitalism gets to pay capital gains only taxes, business owners write off everything through the company, etc. Too many years of QE allowed housing prices to go insane, and now between mortgage rates / insane housing prices and nanny/daycare, we can barely afford to make it. This is just insane to me, and it's such a shame that the previous generation has pulled the rug on the present generation and made it impossible to move up in life.
Click to expand...

It's simple, you are house poor.

How big is this house and what was the purchase price?

How much did your wife complain to even buy this house?

You're paying $7000 a month in child care.

I'm just curious, how much does your wife even make? It seems like her income doesn't justify this kind of expense.

If you can't make it work on an income of $700,000, I don't know what to tell you.
 
GravelRider said:
There’s just something ironic about receiving government assistance on student loans while making over $700k and wondering if the game is rigged against you.
Click to expand...
When I looked at jobs in the Bay Area many moons ago. The realtor said some physicians could get subsidized housing. I’m like wtf. California has some weird financial assistance as well as the Feds helping. Maybe the internal medicine docs who were making 120k a year back in the mid 2000 got housing assistance in the Bay Area.

Anesthesia made around 500k- back than no benefits. Nothing no vacation. So each well you didn’t work cost you around 10k I think.
 
aneftp said:
This is the OP original post 7 months ago.

So it’s legit post. Shows you how much we try to talk people into common sense and they don’t listen

G

Thread 'Coming to terms with Being Middle Class'

I didn't go into medicine purely for financial goals. I certainly didn't pick Anesthesia for the money, but at the time I was a little envious of my classmates matching into the six year integrated cardiothoracic / NSG / Ortho. As I progress through my 30s, I realize that at the end of the day, all of that doesn't matter. Physicians never have, and never will compete with the Finance Brahs or the tech folks (with the rare exception of those surgeons working day and night to pull 7 figures).

After getting outbid on house after house, I've come to realize that while Anesthesia can...
  • Like
  • Dislike
Click to expand...

Huh, didn't connect the dots that it was the same guy. Good catch.

6 pages of good discussion and here we are 6 months later, rinsing and repeating. 🙂

aneftp said:
You know the saying. Happy wife. Happy life….
Click to expand...

He doesn't seem happy. She's probably feeling the weight of that house debt and monthly outlay too.
 
Dude. Seriously. A 24k mortgage is insane. I have ****ty spending habits and even I think that’s crazy.
You and your wife must sit down and figure out what your priorities are. Your spending problem is that you want to live at a certain level, in California. You can do it but you can’t save lots or take vacations (if Cali is so great don’t travel 🤷‍♀️?)

Personally I would gtfo of California but thats what in line with my priorities. What are yours? And your wives? Because you can’t have everything and do everything.

kids are expensive - that’s the way that is 🤷‍♀️ don’t have more
 
*Buys a $5M dollar house*
"The game is rigged against us, guys. It's completely hopeless for us new grads. We're finished."
What kind of post is this lol. This is the equivalent of those articles that pop up about families who move to the Upper East side and complain about living paycheck to paycheck despite earning 1M per year. There's so many places both in CA and the bay area that are way more doable than Palo Alto.
 
nimbus said:
Checked the mortgage calculator. It more likely a $3.5mil house with 20% down.
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Correct. He said he has 700k downpayment in his other post. And had linked a 1700 sq foot home near Apple Original headquarters in Cupertino CA for 3.6 million for sale. And had complained about being outbid for mutiple homes. And we had said he had a geography people. Not a salary problem

Seems he had made up his mind to buy in a certain location despite the monthly costs. And he was competing with much richer people.
 
Lmao.

Nice job OP. It’s hard for me to believe people like this exist. You can’t afford to live in that location buddy. Pure and simple .

I’d say you should sit and try to imagine what life would be like only earning 50k (more than most US citizens earn) to give yourself some perspective. But I think you may be functionally innumerate.
 
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come on man, you are so out of touch with reality. The reason you feel like you are just getting by is because you are spending >50% of your take home on your mortgage. This means the house you bought is what, more than 3 million? That's INSANE. Financial literacy has never been the highest amongst doctors and it is really showing right here.
 
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a life with debt is not a life of dignity or self respect

again this is not a dignified way to live for you and your family and your post is just a symptom of that

there is a reason almost every decent financial investor recommends paying off your biggest purchase - aka a house as soon as possible

most do it within 10 years to achieve real financial freedom

or buy a house with cash, which i think is still the best way to pay for a house

they don’t play these games of “s/p or this stock pays more compared to interest rate on mortgage or my deduction on interest” etc…

effects of having large debt are psychological and it puts you in a never ending battle where you’re trying to breathe and catch up at the same time

both of these are impossible simultaneously and within 4-5 years you won’t even recognize who you are because your whole life is spent on dealing with this stress

again - this is a mistake - recognize, act, and move on.
 
gaspusher said:
It's like playing a game of monopoly and the banker has rigged the game against you. I have no idea what the MGMA data is for 2025 but I'd wager to say that I'm in the 90% (TOTAL COMP >700k) a year at a stable job (not locums, I can't understand how anyone with a family can do locums or if it is actually financially beneficial in the end but that's another story). My wife also has a stable good income job. Together we bring in about 35-37k in cash a month after maxing retirements. I've been out of practice for a few years now and I do not feel rich, if anything I still feel like we are just getting by.

It's just completely hopeless for new attendings to make it in this country.

Housing:
Despite all our hard work, our parents still needed to help us with the down payment. We had no choice but to take a deplorable 6.7% 30 year mortgage out, and even with 20% down our true PITI is about $24,000 a month. We've had costly repairs along the way. And yes, this is for pretty average house around in the Southern Peninsula.

Nanny/Daycare:
One child, another on the way. Nanny cost is 6k a month, and will go up to 7k a month with our other child. We may need to resort to daycare.

Food:
We cook everything at home.

Student Loans:
Currently on SAVE. With RAP, I'm looking at 5k a month? Maybe more?

Trips:
None recently. None planned.

Clothing/other expenses:
Everything we get these days is for the child(ren).

There's nothing left over to save after this. We work to pay the bills while tech cashes out on RSU, private equity and venture capitalism gets to pay capital gains only taxes, business owners write off everything through the company, etc. Too many years of QE allowed housing prices to go insane, and now between mortgage rates / insane housing prices and nanny/daycare, we can barely afford to make it. This is just insane to me, and it's such a shame that the previous generation has pulled the rug on the present generation and made it impossible to move up in life.
Click to expand...
i’m curious.
do you know how mortgages work?
did you look at the monthly interest amount you’re paying to the bank for the first 15 years?

i bet you’re paying 20-22k per month in interest.

did you account for yearly expenses, taxes, insurance - which is going to go up every year?

on a fixed income?

seems like a hurried, poor, and miscalculated decision
 
mdo1738 said:
I’m not sure what the Southern Peninsula is but it sounds like a place you shouldn’t be living at. $24k a month is beyond stupid.
Click to expand...
It’s the silicon valley area Sunnyvale, Mountain View, Palo Alto los gatos etc.
 
AKMD_1984 said:
i’m curious.
do you know how mortgages work?
did you look at the monthly interest amount you’re paying to the bank for the first 15 years?

i bet you’re paying 20-22k per month in interest.

did you account for yearly expenses, taxes, insurance - which is going to go up every year?

on a fixed income?

seems like a hurried, poor, and miscalculated decision
Click to expand...
It has to be the wife pushing for the house.

The OP seems contrite about buying the house. I’m sure the OP will show the spouse our posts and our response.

Guys usually do not care about the house. They care about the toys like the boats, cars and planes. The women care more about the house.
 
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ryanjmy said:
Interest can work for or against your personal wealth. You chose to let it work against you.

On the flip side you can grind and save for a decade in BFE and possibly have enough to write a check for these type houses.
Click to expand...


Got together with some med school friends a few weeks ago. One of my friends is a radiologist as is his older brother. My friend spent the first 7 years of his career in Fort Wayne Indiana. He moved to DFW area after that because that’s where his wife is from. But his brother has been practicing in Fort Wayne for the past 30 years. He’s building a 3000sf $5mil home in Palo Alto now because that’s where he wants to retire.

A few of my cohorts from residency stretched to buy expensive homes in Southern California (la Jolla, Del mar) in the mid 1990s. They paid 500-1mil while our income was mostly in the 150-250k range. Now they’re sitting on $5-10mil homes. It seemed like a ridiculous decision at the time. I didn’t do that and lived in much less expensive homes. Over the long run, they did better than I did but they likely had more stress over the years. And much of it was luck.

The risk/reward ratio in Silicon Valley is pretty high. Buying a home in that price range is speculation. I have no idea how much room it has to run.
 
nimbus said:
Got together with some med school friends a few weeks ago. One of my friends is a radiologist as is his older brother. My friend spent the first 7 years of his career in Fort Wayne Indiana. He moved to DFW area after that because that’s where his wife is from. But his brother has been practicing in Fort Wayne for the past 30 years. He’s building a 3000sf $5mil home in Palo Alto now because that’s where he wants to retire.

A few of my cohorts from residency stretched to buy expensive homes in Southern California (la Jolla, Del mar) in the mid 1990s. They paid 500-1mil while our income was mostly in the 150-250k range. Now they’re sitting on $5-10mil homes. It seemed like a ridiculous decision at the time. I didn’t do that and lived in much less expensive homes. Over the long run, they did better than I did but they likely had more stress over the years. And much of it was luck.

The risk/reward ratio in Silicon Valley is pretty high. Buying a home in that price range is speculation. I have no idea how much room it has to run.
Click to expand...
Hindsight is 20/20. Also unless you or your spouse is from Fort Wayne, spending 30 years there is a tough proposition.
 
nimbus said:
Got together with some med school friends a few weeks ago. One of my friends is a radiologist as is his older brother. My friend spent the first 7 years of his career in Fort Wayne Indiana. He moved to DFW area after that because that’s where his wife is from. But his brother has been practicing in Fort Wayne for the past 30 years. He’s building a 3000sf $5mil home in Palo Alto now because that’s where he wants to retire.

A few of my cohorts from residency stretched to buy expensive homes in Southern California (la Jolla, Del mar) in the mid 1990s. They paid 500-1mil while our income was mostly in the 150-250k range. Now they’re sitting on $5-10mil homes. It seemed like a ridiculous decision at the time. I didn’t do that and lived in much less expensive homes. Over the long run, they did better than I did but they likely had more stress over the years. And much of it was luck.

The risk/reward ratio in Silicon Valley is pretty high. Buying a home in that price range is speculation. I have no idea how much room it has to run.
Click to expand...
As long as California keeps prop 13 (limitation of property taxes), prices will keep going up and up. Especially in highly desirable areas.

Just look at the 2008 housing crash. The highly desirable areas kept their home values pretty well in fact or even if it went down 10% it rebounded quickly. Vs highly undesirable housing places like Modesto


The OP will just need to hang tight. Keep grinding away. Housing prices are not going down in that portion of the Bay Area.
 
gaspusher said:
It's like playing a game of monopoly and the banker has rigged the game against you. I have no idea what the MGMA data is for 2025 but I'd wager to say that I'm in the 90% (TOTAL COMP >700k) a year at a stable job (not locums, I can't understand how anyone with a family can do locums or if it is actually financially beneficial in the end but that's another story). My wife also has a stable good income job. Together we bring in about 35-37k in cash a month after maxing retirements. I've been out of practice for a few years now and I do not feel rich, if anything I still feel like we are just getting by.

It's just completely hopeless for new attendings to make it in this country.

Housing:
Despite all our hard work, our parents still needed to help us with the down payment. We had no choice but to take a deplorable 6.7% 30 year mortgage out, and even with 20% down our true PITI is about $24,000 a month. We've had costly repairs along the way. And yes, this is for pretty average house around in the Southern Peninsula.

Nanny/Daycare:
One child, another on the way. Nanny cost is 6k a month, and will go up to 7k a month with our other child. We may need to resort to daycare.

Food:
We cook everything at home.

Student Loans:
Currently on SAVE. With RAP, I'm looking at 5k a month? Maybe more?

Trips:
None recently. None planned.

Clothing/other expenses:
Everything we get these days is for the child(ren).

There's nothing left over to save after this. We work to pay the bills while tech cashes out on RSU, private equity and venture capitalism gets to pay capital gains only taxes, business owners write off everything through the company, etc. Too many years of QE allowed housing prices to go insane, and now between mortgage rates / insane housing prices and nanny/daycare, we can barely afford to make it. This is just insane to me, and it's such a shame that the previous generation has pulled the rug on the present generation and made it impossible to move up in life.
Click to expand...
I can't tell if this is a serious post, but the only reason you feel poor is that you are house poor, as others have said.

I'm not sure why you needed to comment on locums work and stability/financial benefits, but I can assure you I am happier doing "unstable" work away some of the time traveling from family, with ZERO work after 5 PM, on weekends, or holidays unless I choose to do so. When I was working until 8-10 PM multiple nights a month, with a weekend thrown in there on top of that, I was effectively not at home with family for 6-10 days a month. Getting out early on some days wasn't worth much to me if I couldn't tell whether that was going to be 10 AM or 3 PM.

Finally, total comp >700K is not that great as employers vastly overestimate the value of the benefits they provide, often quoting them as being worth low six figures, when none of it ever hits your bank account.
 
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