Dentist Salary Compilation

[FutureDent020]

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I don't know if I will ever get that way. I will be closing on a brand new home in 2 months and (mortgage + property tax + HOA + landscape maintenance) will be ~$1850. I am already feeling uneasy because my payment will be $250 more than what I am paying for rent now. My salary projection for this year as a hospitalist will be a little over 400k. I guess I am too conservative.

You’re not too conservative. You are just able to find something that makes you happy in that price range. Which is great. I live in an expensive city and am married with young kids. Choosing where we live wasn’t just my choice and my wife definitely wanted nicer than I cared about. So it became what can we responsibly afford, not what did I want to pay. I wanted to pay about $3K a month and I make around the $400K too. But my frugality and conservativeness has taken a back seat to my marriage and family. It’s hard sometimes though.

 

[2TH MVR]

But my frugality and conservativeness has taken a back seat to my marriage and family. It’s hard sometimes though.

Exactly. It's easy when you are single to make your own financial rules to follow. It's just you.
A family brings about a whole new scenario and responsibilities.
Yes. Going to practice where no one else wants to practice makes good financial sense, but does it make "LIFESTYLE" sense? There are just so many cultural, sporting, education, lifestyle activities that rural probably does not offer.

On the flip side. I attended a small midwestern college town for my undergrad dental. The rural people there were the BEST. The whole atmosphere was very calm. Well except on college football saturdays lol. You could easily raise a family there.

Another way to get around this rural, urban situation is to practice in the urban areas (where the patients and jobs are) and then live/raise your family in a semi-rural suburb outside the urban area. That's what I did. When I practiced privately ... I owned one practice in Phoenix. Another in Glendale, AZ. But I lived (and still do) in North Scottsdale. N. Scottsdale is semi-rural. Commercial business is only allowed on certain street corners. No McDonalds, In-And-Out, Burgerkings, Vape shops, Title Loan, etc. etc. in N. Scottsdale where I live. Very rural. And the way I like it.

Frugality is a good idea, but families can be expensive.

When you start to make good money. You'll buy a car. Then with all the money you are making .... you may want a nicer, more expensive car. You've earned it. Right? With all your money ... you may want to take your family to Hawaii. Maybe a cruise in the Mediterranian. That costs money. Many dentists play golf for entertainment and networking. I did this and still do. Green fees, golf clubs, golf apparel and private clubs cost money. How about housing? Of course ... we all started out renting. Then bought a small house. Then .... the family grew in number. Needed a bigger house. Then the kids had cars. Car insurance for the kid's cars. Now I need more garage space. You have pets. I do. Two large dogs. Well. They need a large enough back yard with grass to play on (and crap on). College expenses. These are BIG. Start planning early. 529 plan. What about retirement?

Life costs money. But it's up to you how you (and your family) want to live life. Nothing wrong with a frugal life in the rural areas. Seriously. I grew up in ALASKA. A blue collar working family. And I did ok. It's all relative.

 

[P7898]

200k is still a great income, kids or not. You're out of touch or really bad with money.

+1 $200k is a fantastic income.

 

[GoDental101]

200k is still a great income, kids or not. You're out of touch or really bad with money.

Or you live in a really expensive liberal city...so yeah out of touch AND bad with money.

 

[Molar Whisperer]

Exactly. It's easy when you are single to make your own financial rules to follow. It's just you.
A family brings about a whole new scenario and responsibilities.
Yes. Going to practice where no one else wants to practice makes good financial sense, but does it make "LIFESTYLE" sense? There are just so many cultural, sporting, education, lifestyle activities that rural probably does not offer.

On the flip side. I attended a small midwestern college town for my undergrad dental. The rural people there were the BEST. The whole atmosphere was very calm. Well except on college football saturdays lol. You could easily raise a family there.

Another way to get around this rural, urban situation is to practice in the urban areas (where the patients and jobs are) and then live/raise your family in a semi-rural suburb outside the urban area. That's what I did. When I practiced privately ... I owned one practice in Phoenix. Another in Glendale, AZ. But I lived (and still do) in North Scottsdale. N. Scottsdale is semi-rural. Commercial business is only allowed on certain street corners. No McDonalds, In-And-Out, Burgerkings, Vape shops, Title Loan, etc. etc. in N. Scottsdale where I live. Very rural. And the way I like it.

Frugality is a good idea, but families can be expensive.

When you start to make good money. You'll buy a car. Then with all the money you are making .... you may want a nicer, more expensive car. You've earned it. Right? With all your money ... you may want to take your family to Hawaii. Maybe a cruise in the Mediterranian. That costs money. Many dentists play golf for entertainment and networking. I did this and still do. Green fees, golf clubs, golf apparel and private clubs cost money. How about housing? Of course ... we all started out renting. Then bought a small house. Then .... the family grew in number. Needed a bigger house. Then the kids had cars. Car insurance for the kid's cars. Now I need more garage space. You have pets. I do. Two large dogs. Well. They need a large enough back yard with grass to play on (and crap on). College expenses. These are BIG. Start planning early. 529 plan. What about retirement?

Life costs money. But it's up to you how you (and your family) want to live life. Nothing wrong with a frugal life in the rural areas. Seriously. I grew up in ALASKA. A blue collar working family. And I did ok. It's all relative.

I can relate to growing up in a location where no one wants to live. We moved to this location after the 1979 oil embargo from NYC where I remembered sitting on the back seat of my parents' big Buick waiting in a long line to fill up rationed amount of gas. This new location boasted plenty of oil and jobs. However, the education standards in the area are the worst in the state already in the bottom 5 of the country. Nobody wanted to pay more taxes to improve and develop the area which dominoed to lack of investments in the community. Unskilled jobs in this enviornment are not sustainable so when the oil dried up, the town just deteriorated to a ghost town. Growing up in that environment was very hard as an Asian constantly being told "hey Ch__k, go back to China (repeat) you Ch__k!" My brother took it extra hard as he became very ashamed of being Chinese and contemplated suicide more than once.

My dad custom built our house in the early 80's at $350k-ish (dad's choice of the cheapest builder went bankrupt so he had to pay more than what a reputable builder would've cost) and we sold it last year for $190k (undesirable location) after he passed. I had a very difficult relationship with my dad. He always wanted to impress others with his money which was very easy to do in that town (2010 census median family income of $27k). Impressing others with money really disgusts me so I rather make less and spend more time with my family. At my over-saturated, high COL location, we're so blessed that in my kids' public school, they have executives from Fortune 500 companies come to speak and inspire. My twin boys got to be money making CEO's for their mock company school projects.

I still live very frugal as I buy clothes on clearance, drive an 11 y/o car and clip (now on apps) coupons. A wise person (father in-law) once told me that it may be less predictable how much money comes in, but you can control how much goes out. He was a retired middle school teacher that my father couldn't stand because he wasn't rich and elite. However my father in-law was an infinity times better dad.

 

[Splenda88]

You’re not too conservative. You are just able to find something that makes you happy in that price range. Which is great. I live in an expensive city and am married with young kids. Choosing where we live wasn’t just my choice and my wife definitely wanted nicer than I cared about. So it became what can we responsibly afford, not what did I want to pay. I wanted to pay about $3K a month and I make around the $400K too. But my frugality and conservativeness has taken a back seat to my marriage and family. It’s hard sometimes though.

My spouse wants nice things too, though she let me make the big financial decisions for the most part (eg., housing, cars, overseas trips etc...). I turn a blind eyes on the small things.

I also have 2 young kids, but I live in a very reasonable COL small city compared to the rest of country. I only plan to be here for 3-4 yrs, and I want to be a in good financial footing by the time I got out.

 

[charlestweed]

+1 $200k is a fantastic income.

It used to be fantastic income. A person who made $100k/year 20 years ago could buy a much nicer house than what you can buy one today with your $200k/year income. Home prices are 3-4 times higher than they were 20 years ago. If you only make that much today and continue earn this same annual income for the rest of your life, you will probably have to work until you are 65 in order to save enough for your retirement. If you only make $200k/year, you are just slightly richer than your parents, who made $50-60k/year (with health + 401k benefits) 20-30 years ago…..when they were at your age. And your parents didn’t have to spend 8+ years in school nor took out a lot of student loans like you.

 

[P7898]

It used to be fantastic income. A person who made $100k/year 20 years ago could buy a much nicer house than what you can buy one today with your $200k/year income. Home prices are 3-4 times higher than they were 20 years ago. If you only make that much today and continue earn this same annual income for the rest of your life, you will probably have to work until you are 65 in order to save enough for your retirement. If you only make $200k/year, you are just slightly richer than your parents, who made $50-60k/year (with health + 401k benefits) 20-30 years ago…..when they were at your age. And your parents didn’t have to spend 8+ years in school nor took out a lot of student loans like you.

I understand your point of view. But no offense - that is nuts. $200k is way more than average. You control the expenses in your life. If you want more expenses and get real crazy then it isn't enough. But come on man; people live off of $70k per year. You are right - I have $170k in loans and make 1.5 more than my student loans.

People it is all about making smart financial decisions. If you can make decisive financial decisions and calculate expenses, debt-to-income ratios, and figure out life expenses - $200k is plenty. People do not do this. They just look at salary and dollar signs and do not want to spend 8 hours on the weekends on excel and with a fiduciary hashing out finances.

Do not work harder - work smarter. With $200k and "average dent and expenses" you can get passive incomes like real estate and really supplement your income. People make $200k passive income with real estate and not have to work and they started out with what kind of salary? $200k. Work SMARTER. It is easy to add on hours and figure out how to work more to make more money.

^ But everything here, and I agree with charlestweed on this, debt-to-income ratio is huge. If you can control this and have it 1:1 or more then you will be fine.

 

[charlestweed]

I understand your point of view. But no offense - that is nuts. $200k is way more than average.

I don’t disagree with you that this is way more than the average for most American families. According to this (Two-thirds of Americans live paycheck to paycheck as inflation continues to climb), 2/3 of the Americans are living paycheck to paycheck. 20 years ago, if you made $200k, you were considered to be a very rich person....but not today if you only make this much. You are just slightly above average. I guess you haven’t had any kids yet.

But come on man; people live off of $70k per year. You are right - I have $170k in loans and make 1.5 more than my student loans.

With this $70k income, you will be a renter for the rest of your life if you live here in CA. $70-80k/year (or $280-300 a day) used to be the starting salary for the general dentists in the late 90s. And with this income, most dentists could easily afford a nice 2500+sf house. Now, you can’t buy a house with similar square footage if you only make $200k/year.

I pay my office manager $19/hour and with bonuses, she makes around $45k/year. And she’s living paycheck to paycheck. She doesn’t have a mortgage to pay (she inherited the house from her mom) but she still has to pay property tax and insurance. In 20+ years working with me, she hasn’t taken even one vacation that is longer than a week.

Do not work harder - work smarter. With $200k and "average dent and expenses" you can get passive incomes like real estate and really supplement your income. People make $200k passive income with real estate and not have to work and they started out with what kind of salary? $200k. Work SMARTER. It is easy to add on hours and figure out how to work more to make more money.

It’s not as easy and as much as you think. I have 4 rental properties (one 5-unit apartment and 3 single family homes), which I spent around $1.8 million to acquire.....and more than 10 years to pay them all off. If I bought these same 4 properties today, I would have to pay around $3.3-3.4 millions. The total rental income that I collect from all of my tenants is around $168k a year. It’s much less for this year because one tenant doesn’t pay rent…he applied for Covid rental assistant program and got approved (but the government hasn’t paid me yet). After paying the $26k in property taxes, management fees, maintenance/repair fees, water and trash bills (for the apartment), my net passive income is aound $90k. It would be much less if I still owed $$$ and still had to make mortgage payments on these properties. That’s why I still have to keep my full time ortho job. For me to retire comfortably, I need at least $150k in passive income.

^ But everything here, and I agree with charlestweed on this, debt-to-income ratio is huge. If you can control this and have it 1:1 or more then you will be fine.

I am writing this post because I don’t want the new grads to make the same mistakes that a lot of people who make $200k/year made in the past. If the new grads can add another work day (from 4 days/wk to 5 days/wk) to increase their income from $200k to $250-300k, they should, especially when they are still young and healthy. With the income of $200k, they are not that much better than their parents who made $50-60k 20-30 years ago, when they were at their age. For them to have a comfortable lifestyle with such limited budget, their parents had had to make a lot of sacrifice. I hope all young grads realize this and appreciate their parents more. If their parents didn't save enough for retirement, it wasn't because their parents had mismanaged the budget but it was because their parents had made a lot of sacrifice for them.

 

[AONLINE]

I believe it. One single full mouth case a month comes out to about $600K in production annually. Some things to keep in mind is that the OS is not restoring the case. And in your scenario the OS is making 1.5MM alone. Here the doc has an associate and a hygienist to make money for him as well.

How much are the restorative dentists charging for an all-on-X case? In my area the surgeons are charging $18-20k per arch for the surgery, and the restorative dentists are charging about $10k-12.5k per arch. Lab fees alone cost $3-4k for a case like that. So even if a dentist is lucky enough to have a full mouth case (upper and lower) every month that would come out to about $20-25k in production, which is only $300k a year.

 

[schmoob]

How much are the restorative dentists charging for an all-on-X case? In my area the surgeons are charging $18-20k per arch for the surgery, and the restorative dentists are charging about $10k-12.5k per arch. Lab fees alone cost $3-4k for a case like that. So even if a dentist is lucky enough to have a full mouth case (upper and lower) every month that would come out to about $20-25k in production, which is only $300k a year.

I’m talking a full mouth case surgical and restorative.

 

[MidwestOwl]

Years of Experience: 1
Specialty or General: Endo
City or Rural: City (southeast)
Company (Corp or Private or Ownership): Private Associateship, but owner just sold to Endo1
Insurances: Delta, Aetna, MetLife, Cigna
Days/weeks per year: 4.5 days (45% collections)
Salary: ~$420,000 before taxes and deductions

If you want to own, work for a year or two and get out. My previous boss wanted to sell his practice to corporate too, and that is the reason that I left asap. You dont want to build the practice so that your boss can sell it for high price and end up with nothing

 

[MidwestOwl]

Years of Experience: 1
Specialty or General: Endo
City or Rural: City (southeast)
Company (Corp or Private or Ownership): Private Associateship, but owner just sold to Endo1
Insurances: Delta, Aetna, MetLife, Cigna
Days/weeks per year: 4.5 days (45% collections)
Salary: ~$420,000 before taxes and deductions

If you want to own, work for a year or two and get out. My previous boss wanted to sell his practice to corporate too, and that is the reason that I left asap. You dont want to build the practice so that your boss can sell it for high price and end up with nothing

 

[DPOR]

Any Periodontist data? Recent graduate vs. a few years out?

 

[Splenda88]

With this $70k income, you will be a renter for the rest of your life if you live here in CA. $70-80k/year (or $280-300 a day) used to be the starting salary for the general dentists in the late 90s. And with this income, most dentists could easily afford a nice 2500+sf house. Now, you can’t buy a house with similar square footage if you only make $200k/year.

I pay my office manager $19/hour and with bonuses, she makes around $45k/year. And she’s living paycheck to paycheck. She doesn’t have a mortgage to pay (she inherited the house from her mom) but she still has to pay property tax and insurance. In 20+ years working with me, she hasn’t taken even one vacation that is longer than a week.

It’s not as easy and as much as you think. I have 4 rental properties (one 5-unit apartment and 3 single family homes), which I spent around $1.8 million to acquire.....and more than 10 years to pay them all off. If I bought these same 4 properties today, I would have to pay around $3.3-3.4 millions. The total rental income that I collect from all of my tenants is around $168k a year. It’s much less for this year because one tenant doesn’t pay rent…he applied for Covid rental assistant program and got approved (but the government hasn’t paid me yet). After paying the $26k in property taxes, management fees, maintenance/repair fees, water and trash bills (for the apartment), my net passive income is aound $90k. It would be much less if I still owed $$$ and still had to make mortgage payments on these properties. That’s why I still have to keep my full time ortho job. For me to retire comfortably, I need at least $150k in passive income.

I am writing this post because I don’t want the new grads to make the same mistakes that a lot of people who make $200k/year made in the past. If the new grads can add another work day (from 4 days/wk to 5 days/wk) to increase their income from $200k to $250-300k, they should, especially when they are still young and healthy. With the income of $200k, they are not that much better than their parents who made $50-60k 20-30 years ago, when they were at their age. For them to have a comfortable lifestyle with such limited budget, their parents had had to make a lot of sacrifice. I hope all young grads realize this and appreciate their parents more. If their parents didn't save enough for retirement, it wasn't because their parents had mismanaged the budget but it was because their parents had made a lot of sacrifice for them.

You should give her a raise. Bring her salary up to $25/hr plus bonus.

People working at Walmart or Target make $20/hr these days.

 

[charlestweed]

You should give her a raise. Bring her salary up to $25/hr plus bonus.

I would do it for her if I could also raise the tx fee (so we could generate more money). The reason she doesn’t ask for a raise is she knows that our business is in decline. We have had fewer starts in the last couple of years. Last year, I had to close 1 of my 4 offices.

I did increase her hourly wage to $20/hr at the beginning of this year. With her bonuses, she averages around $23-24/hr. And in order for me to give her a raise, I had to reduce the hours of my other part time chairside assistants. Due to the decline in new patients, I had to cut down the clinic days (from 10 days/month to 8 days/ month) and asked some of my P/T assistants to stay home.

People working at Walmart or Target make $20/hr these days.

People who work at Walmart have to work almost non-stop 8 hours a day. They only get 1 or 2 short 10-15 min break in between. They have to work under the tight supervision of their managers. It’s a hard job. If my office manager wants better pay + healthcare insurance + other benefits, she can always quit here and goes work at Walmart. The reason she (and my other F/T employee as well) has stayed at my office for 17 years is she likes her current easy stress-free job. She can take a break anytime she wants to (except during the 3 hours….8 days/month that we have patients). No one yells at her. I also pay her 2 additional hours (per day) for taking emergency phone calls from patients at home (after office hours). Unlike other jobs, her job at my office is secured (recession proof)….her pay and her hours will never get cut…steady income is guaranteed. She’s not young anymore. She is 57. I think it’s hard for a person at her age to find a chill job (and friendly workplace) like the one she currently has right now. It’s a nice way to semi-retire.

Dentistry is a business. I think you'll understand when you'll become an owner someday. Being an owner, you are the last person to get paid.

 

[Splenda88]

I would do it for her if I could also raise the tx fee (so we could generate more money). The reason she doesn’t ask for a raise is she knows that our business is in decline. We have had fewer starts in the last couple of years. Last year, I had to close 1 of my 4 offices.

I did increase her hourly wage to $20/hr at the beginning of this year. With her bonuses, she averages around $23-24/hr. And in order for me to give her a raise, I had to reduce the hours of my other part time chairside assistants. Due to the decline in new patients, I had to cut down the clinic days (from 10 days/month to 8 days/ month) and asked some of my P/T assistants to stay home.


People who work at Walmart have to work almost non-stop 8 hours a day. They only get 1 or 2 short 10-15 min break in between. They have to work under the tight supervision of their managers. It’s a hard job. If my office manager wants better pay + healthcare insurance + other benefits, she can always quit here and goes work at Walmart. The reason she (and my other F/T employee as well) has stayed at my office for 17 years is she likes her current easy stress-free job. She can take a break anytime she wants to (except during the 3 hours….8 days/month that we have patients). No one yells at her. I also pay her 2 additional hours (per day) for taking emergency phone calls from patients at home (after office hours). Unlike other jobs, her job at my office is secured (recession proof)….her pay and her hours will never get cut…steady income is guaranteed. She’s not young anymore. She is 57. I think it’s hard for a person at her age to find a chill job (and friendly workplace) like the one she currently has right now. It’s a nice way to semi-retire.

Dentistry is a business. I think you'll understand when you'll become an owner someday. Being an owner, you are the last person who will get paid.

Is she only working 8-10 days/month? If that is the case, 45k/yr is an EXCELLENT salary.

 

[charlestweed]

Is she only working 8-10 days/month? If that is the case, 45k/yr is an EXCELLENT salary.

No. She works 22 days/month. But our offices are only open to treat patients 8 days/month. During the non-clinic days, she has to call patients to comfirm appointments, bills insurances, answers phone calls etc. It's still a very easy job. I am not there on those non-clinic days to check on her since I have another part time job at a corp office. With bonuses, she makes around $50-55k/yr.

For days like today (Saturday), she only worked 4 hours but I paid her the whole 8 hour day. She came in at 7:45am to get everything ready. We started seeing patients at 8am. We finished the last group of patients at 11:30 pm....and then we all left. She stayed another 10-15 minutes to make sure everything turned off and she locked the door.

 

[Splenda88]

No. She works 22 days/month. But our offices are only open to treat patients 8 days/month. During the non-clinic days, she has to call patients to comfirm appointments, bills insurances, answers phone calls etc. It's still a very easy job. I am not there on those non-clinic days to check on her since I have another part time job at a corp office. With bonuses, she makes around $50-55k/yr.

Not bad if she got benefits (eg., 401k, health and dental insurances etc...).

 

[charlestweed]

Not bad if she got benefits (eg., 401k, health and dental insurances etc...).

She gets 401k + 3 day sick pay + 2 week paid vacation. Since she never takes vacation, I just write her a check for those 2 wks. Most small one-owner private dental offices (mine included) don't offer health insurance. In the last 17 years that she has been with me, she only had 2 minor medical procedures done. I paid her doctor cash (it was only $250) for the first one. The second procedure was performed by a dermatologist and it was free because the dermatologist is currently my ortho patient.

 

[DDS9994]

I don’t disagree with you that this is way more than the average for most American families. According to this (Two-thirds of Americans live paycheck to paycheck as inflation continues to climb), 2/3 of the Americans are living paycheck to paycheck. 20 years ago, if you made $200k, you were considered to be a very rich person....but not today if you only make this much. You are just slightly above average. I guess you haven’t had any kids yet.

With this $70k income, you will be a renter for the rest of your life if you live here in CA. $70-80k/year (or $280-300 a day) used to be the starting salary for the general dentists in the late 90s. And with this income, most dentists could easily afford a nice 2500+sf house. Now, you can’t buy a house with similar square footage if you only make $200k/year.

I pay my office manager $19/hour and with bonuses, she makes around $45k/year. And she’s living paycheck to paycheck. She doesn’t have a mortgage to pay (she inherited the house from her mom) but she still has to pay property tax and insurance. In 20+ years working with me, she hasn’t taken even one vacation that is longer than a week.

It’s not as easy and as much as you think. I have 4 rental properties (one 5-unit apartment and 3 single family homes), which I spent around $1.8 million to acquire.....and more than 10 years to pay them all off. If I bought these same 4 properties today, I would have to pay around $3.3-3.4 millions. The total rental income that I collect from all of my tenants is around $168k a year. It’s much less for this year because one tenant doesn’t pay rent…he applied for Covid rental assistant program and got approved (but the government hasn’t paid me yet). After paying the $26k in property taxes, management fees, maintenance/repair fees, water and trash bills (for the apartment), my net passive income is aound $90k. It would be much less if I still owed $$$ and still had to make mortgage payments on these properties. That’s why I still have to keep my full time ortho job. For me to retire comfortably, I need at least $150k in passive income.

I am writing this post because I don’t want the new grads to make the same mistakes that a lot of people who make $200k/year made in the past. If the new grads can add another work day (from 4 days/wk to 5 days/wk) to increase their income from $200k to $250-300k, they should, especially when they are still young and healthy. With the income of $200k, they are not that much better than their parents who made $50-60k 20-30 years ago, when they were at their age. For them to have a comfortable lifestyle with such limited budget, their parents had had to make a lot of sacrifice. I hope all young grads realize this and appreciate their parents more. If their parents didn't save enough for retirement, it wasn't because their parents had mismanaged the budget but it was because their parents had made a lot of sacrifice for them.

Charles s with a RE portfolio of 3.3 million, in addition to what you have in your retirement accounts you are in great shape!! I think you and I are same age, I think you paid off your house like I didi, so you should be pretty close to pulling about 150K a year in retirment if you sold your RE holdings for cash. The only issue is you do live in SOCAL, not very retirement friendly.

 

[charlestweed]

Charles s with a RE portfolio of 3.3 million, in addition to what you have in your retirement accounts you are in great shape!! I think you and I are same age, I think you paid off your house like I didi, so you should be pretty close to pulling about 150K a year in retirment if you sold your RE holdings for cash. The only issue is you do live in SOCAL, not very retirement friendly.

It’s only on paper because I don’t plan to sell any of these properties. They will belong to my children. The rental income is a great source of passive income but enough for us retire comfortably. I have had a very comfortable lifestyle and I don’t want to lose it after I retire. So I continue to work. According to this article (Even millionaires worry about having enough money for retirement.), the high net worth individuals are just as concerned about their future retirement as the people who are at the other end of the spectrum. More than 50% of the wealthy people think they need to improve their financial planning.

I continue to work to save more for my retirement because I think having a surplus is better not having enough. Work also gives me a lot of satisfactions. Retirement might be fun for a couple of months (or years) but then you will run out of things to do…and you’ll go crazy. That’s why many old people decide to return to work. I have significantly reduced my work days down to just 17 days/month (from 22 days just a couple of years ago when I still had debt). Starting next month, I will cut another day....only work 16 days/month. To keep my mind/life active and less boring on my days off, I have to find work to do around the house. I fired the gardener and I do all the yard work myself. I mow the grass twice a week. I think my house has one of the nicest curb appeal in the neighborhood. I don’t like traveling…..hate flying….don’t like going to places that don’t have good food and nice weather like my home town. Traveling is overrated.

 

[Thehighwind87]

No. She works 22 days/month. But our offices are only open to treat patients 8 days/month. During the non-clinic days, she has to call patients to comfirm appointments, bills insurances, answers phone calls etc. It's still a very easy job. I am not there on those non-clinic days to check on her since I have another part time job at a corp office. With bonuses, she makes around $50-55k/yr.

For days like today (Saturday), she only worked 4 hours but I paid her the whole 8 hour day. She came in at 7:45am to get everything ready. We started seeing patients at 8am. We finished the last group of patients at 11:30 pm....and then we all left. She stayed another 10-15 minutes to make sure everything turned off and she locked the door.

The last of the old guard. The old baby boomer generation. Prob has a house that they bought in the 80's for 1/10 what a millennial has to pay.... and it's paid off, just chilling collecting a paycheck and can make 50k work a year.

Count yourself lucky. I had a hygienist like this until they retired. All the new grads now want 6 figure paychecks and guaranteed 40 hour work weeks. If your lady leaves- you will be paying prob close to 80-100k- especially in high cost of living california. It is what it is.

 

[distressstudent]

Has salary gone up with inflation?

 

[Thehighwind87]

Has salary gone up with inflation?

Absolutely not.

 

[willwash]

He has only himself to blame, not everyone else. He’s not the “Caucasian man’s doormat,” he EVERYONES doormat. He needs to step up and be a man and maybe you should tell him so less politely and more directly.

Also, I think you forget what Fredo’s older brother did to him.

Michael was actually Fredo's younger brother. It was a key component of why Fredo felt so neglected by his family, being passed over for Don by his kid brother