Housing

[NukHopkins]

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You touched on the uncertainty of lifespan which is important, but you neglected the uncertainty of the job market/taxes.

Say it’s 2035. What’s the job market like? $ per hour might be down 20-25%. Medicare for all could have passed and not only is income down 35%, but taxes are 50% above 250k to help pay for it. If you knew your post-tax pay per hour would be 40% less in 2035, would you save more today? Probably. You can overprepare and have it be for naught, but you can also underprepare and be screwed too.

We have a ballooning deficit, sky-high debt, rising Medicare enrollment and literally no politician is thinking “I better make sure anesthesiologists make enough money so I get re-elected next cycle”. The sky isn’t falling, but the reason to save extra isn’t to have $ at 70, it’s to stop taking call at 50.

I wanna stop taking call at 40

 

[aneftp]

I wanna stop taking call at 40

Easy in today’s market to stop taking call

I would just do locums if no kids. 7-5p 4 days a week with a day off or 7-3 5 days a week 1099


I would not recommend any Monday -Friday no call job to any one w2. Too many days commuted to work. U will burn ur self out with no pre or post call calls off. 3 days a week (12 hrs x 3 days plus some bs 4 hr non clinical time off) week is perfect for most docs who don’t want to take call with either Monday or Friday guarantee off. 500k. 8 weeks off. Thads the contract my friend has.

She games it so if she wants to make extra on weekends. She can cover Saturday Sunday and be post Monday (her day off at the surgery center anyway) or have Friday off to cover the university who always needs Friday coverage.