How much is too much?

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DrWily said:
Which is probably the reason why people shouldn't be going into medicine for the money.

Do what you love/interested in. The money will come.
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Nobody goes into it [B]only [/B]for the money, but you do want to be compensated for the sacrifices you have made. I love science, and want to help others just as much as the next guy.
 
kgpremed11 said:
Nobody goes into it [B]only [/B]for the money, but you do want to be compensated for the sacrifices you have made. I love science, and want to help others just as much as the next guy.
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$150k+ isn't enough compensation for you? Look at it this way. If you were a good enough applicant you would be getting a significant financial award. If you choose primary care there are several ways for you to have your loans paid for. If you are a good enough medical student you can choose a higher paying specialty.

Everything you're complaining about is or was once in your control.
 
darklabel said:
Its still payable and you can live comfortably. You just can't have the sports car and nice home you've always wanted on your salary alone.

People always forget that they are (likely) to have a spouse which will add to your income. Even an addition of 50k pre tax will about about 180k total per family pre tax and you fall below the minimum 250k per couple that are considered well off in obama's term.

And if you decide to stay alone, 130k a year with 500k debt will still leave you A LOT to spend on yourself.

Just as said before, live like a resident for a few years (not college student though, because ramen sucks)
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No. Marriage is an outdated system that declines with every generation. And for men, the risk isn't worth it.

Ibn Alnafis MD said:
I'm surprised that no one has mentioned the new repayment program started in December of last year, PAYE.

With this program, your monthly payment shouldn't exceed 10% of your annual ADJUSTED income divided by 12.

For someone earning 150K/year, for example, the monthly payment wouldn't exceed $1100.
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No one knows how long these new programs will be around.

JaBoomDay said:
WHOA! You're doing HPSP?????

I have thought about it so much but I just can't bring myself to commit to the military.
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You will be a slave to uncle sam one way or another. Either through massive debt from government loans, or military service. Choose one.
 
kgpremed11 said:
No. Marriage is an outdated system that declines with every generation. And for men, the risk isn't worth it.



No one knows how long these new programs will be around.



You will be a slave to uncle sam one way or another. Either through massive debt from government loans, or military service. Choose one.
Click to expand...

Marriage is a choice that makes a lot of sense for a lot of people. Now, if it's not for you that's fine but don't make generalizations for others.
 
I love science, and want to help others just as much as the next guy.
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Doesn't mean you have to be a doctor. My wife went to school for 4 yrs, got her BSN, makes 90k right now. Very good money for not that much time invested. But I wouldn't do it. I want to be a physician. If money is scaring you, then you are free to choose otherwise. I know that my hard work in medical school will pay off in the end and I will be very happy wherever I end up because I know this is my career. I'm good at this stuff, I'm interested, and I enjoy studying it. I really do. Some days it sucks balls, but in the end, I'm happy to be here.

p.s. physio cards test today, trips baby.
 
DrWily said:
Doesn't mean you have to be a doctor. My wife went to school for 4 yrs, got her BSN, makes 90k right now. Very good money for not that much time invested. But I wouldn't do it. I want to be a physician. If money is scaring you, then you are free to choose otherwise. I know that my hard work in medical school will pay off in the end and I will be very happy wherever I end up because I know this is my career. I'm good at this stuff, I'm interested, and I enjoy studying it. I really do. Some days it sucks balls, but in the end, I'm happy to be here.

p.s. physio cards test today, trips baby.
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I probably should've gone to AZCOM. Sounds like your tests are super easy. :meanie:
 
MedPR said:
I probably should've gone to AZCOM. Sounds like your tests are super easy. :meanie:
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I have about 200+ classmates that would argue otherwise 😉 But overall, my class is pretty good. Averages are usually 83-90% range with most of them around 86%. Material is not hard bro. It's the fact that you have multiple classes at the same time that is hard. Once you get into a groove, a good pattern of time management, ****s ez.
 
DrWily said:
I have about 200+ classmates that would argue otherwise 😉 But overall, my class is pretty good. Averages are usually 83-90% range with most of them around 86%. Material is not hard bro. It's the fact that you have multiple classes at the same time that is hard. Once you get into a groove, a good pattern of time management, ****s ez.
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83-90% sounds super high. My SO's pre-clin averages were often in the high 60s/low 70s. I guess her classmates might just be dumb though lol.
 
MedPR said:
83-90% sounds super high. My SO's pre-clin averages were often in the high 60s/low 70s. I guess her classmates might just be dumb though lol.
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Idk maybe? or they might have professors that like to test on minutia vs big picture items. Our tests are pretty fair and I think that helps the averages. Mostly big picture items with a few specifics questions thrown in. I have no doubt that my class is pretty bright and hardworking. I almost wish I was in a class with low averages 😉
 
Woland said:
Texas residence requies 2 years (physical presence, business or real estate ownership).
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Are you sure about this? I don't think that's correct.

All sources I have found (TMDSAS website, etc.) indicate that it is 12 months at the time of application.
 
DrWily said:
Idk maybe? or they might have professors that like to test on minutia vs big picture items. Our tests are pretty fair and I think that helps the averages. Mostly big picture items with a few specifics questions thrown in. I have no doubt that my class is pretty bright and hardworking. I almost wish I was in a class with low averages 😉
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Oh they were definitely tested heavily on minutiae. The school is changing its curriculum starting next year and going to focus more on big picture stuff.
 
MedPR said:
Oh they were definitely tested heavily on minutiae. The school is changing its curriculum starting next year and going to focus more on big picture stuff.
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It helps also that we have tests every week. I would get behind and lazy if we didn't.
 
I'm not worried about paying off the loans, even if I have to live very modestly to pay them off. What I worry about is a credit crash that would leave me (and thousands of other students) stranded halfway through med school without anyway to finance the completion of my degree.
 
kgpremed11 said:
No. Marriage is an outdated system that declines with every generation. And for men, the risk isn't worth it.



No one knows how long these new programs will be around.



You will be a slave to uncle sam one way or another. Either through massive debt from government loans, or military service. Choose one.
Click to expand...

You are right. No one knows. But we know that the program is here NOW. It's pointless to make speculations at this point. If, and only if, sh_t hits the fan in future, I'll worry about it then.

For now, the program is out there for everyone to utilize, and that what matters.
 
NurWollen said:
Marriage is a choice that makes a lot of sense for a lot of people. Now, if it's not for you that's fine but don't make generalizations for others.
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👍

Sent from my Galaxy S2
 
Those of you invested in this conversation may find this recent study interesting. Don't worry, it's easy to read, and may answer many of your questions.

http://www.medscape.com/viewarticle/777145?src=mp&spon=25

The bottom line: If you want to be a rich doctor, don't live in the city and work for a non-profit hospital system so you can have your loans forgiven. Simple as that.
 
DrWily said:
I have about 200+ classmates that would argue otherwise 😉 But overall, my class is pretty good. Averages are usually 83-90% range with most of them around 86%. Material is not hard bro. It's the fact that you have multiple classes at the same time that is hard. Once you get into a groove, a good pattern of time management, ****s ez.
Click to expand...

This is good news for us MS-0 azcom kids!
 
kgpremed11 said:
You will be a slave to uncle sam one way or another. Either through massive debt from government loans, or military service. Choose one.
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To JaBoomDay:

Yeah, I'm doing the HPSP (assuming I receive the scholarship). It's kinda like this dude says, either debt repayment will be your master, or the military. I choose the shorter-term option.
That being said, you should NEVER choose military on financial reasons alone. There are too many variables to be able to calculate if its better one way or the other. You should only do it if you also have a desire to serve in the military.
$0.02

kgpremed11 said:
No. Marriage is an outdated system that declines with every generation. And for men, the risk isn't worth it.

.
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Oh, and to this person...
I am a man.
I am happily married.
The risk is totally worth it.
😀
 
felix2929 said:
why do you think marriage is more risky for men?
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On average, men end up losing out in the divorce process.

And regardless of sex, a person attending medical school now will probably have more income/savings to lose to their spouse later.
 
Last edited:
GUH said:
On average, men end up losing more of their possessions/income during the divorce process than women do.

And regardless of sex, a person attending medical school now will probably have more income/savings to lose to their spouse later.
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That's why you just marry someone awesome and stay married for the rest of your life 😉
 
abolt18 said:
That's why you just marry someone awesome and stay married for the rest of your life 😉
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divorce rate in this country ~ 50%. I wish I lived in the sunshine and rainbows world you kids lived in. Sadly/luckily I've had a chance to live in the real world and my life has not been a sheltered one like you middleclass upper- middle class majority kids. .
 
kgpremed11 said:
divorce rate in this country ~ 50%. I wish I lived in the sunshine and rainbows world you kids lived in. Sadly/luckily I've had a chance to live in the real world and my life has not been a sheltered one like you middleclass upper- middle class majority kids. .
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Divorces aren't the exclusive domain of poor people.
 
kgpremed11 said:
divorce rate in this country ~ 50%. I wish I lived in the sunshine and rainbows world you kids lived in. Sadly/luckily I've had a chance to live in the real world and my life has not been a sheltered one like you middleclass upper- middle class majority kids. .
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It's cool. You can keep chasing tail at the bar scene always wanting something more while I go home and live the happy married life knowing that I share something important with my wife that non-married men won't ever have.

I'll take my chances on 1/2. That's better odds than most things in this world.
 
kgpremed11 said:
divorce rate in this country ~ 50%. I wish I lived in the sunshine and rainbows world you kids lived in. Sadly/luckily I've had a chance to live in the real world and my life has not been a sheltered one like you middleclass upper- middle class majority kids. .
Click to expand...

lol
 
kgpremed11 said:
divorce rate in this country ~ 50%. I wish I lived in the sunshine and rainbows world you kids lived in. Sadly/luckily I've had a chance to live in the real world and my life has not been a sheltered one like you middleclass upper- middle class majority kids. .
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Yes, all of us have lived sheltered lives and know nothing about the world or relationships... :laugh:

DrWily said:
It's cool. You can keep chasing tail at the bar scene always wanting something more while I go home and live the happy married life knowing that I share something important with my wife that non-married men won't ever have.

I'll take my chances on 1/2. That's better odds than most things in this world.
Click to expand...


dudeliness said:
To JaBoomDay:
Oh, and to this person...
I am a man.
I am happily married.
The risk is totally worth it.
😀
Click to expand...

👍👍👍👍
 
DrWily said:
It's cool. You can keep chasing tail at the bar scene always wanting something more while I go home and live the happy married life knowing that I share something important with my wife that non-married men won't ever have.

I'll take my chances on 1/2. That's better odds than most things in this world.
Click to expand...

+1000.

Seriously...
 
kgpremed11 said:
divorce rate in this country ~ 50%. I wish I lived in the sunshine and rainbows world you kids lived in. Sadly/luckily I've had a chance to live in the real world and my life has not been a sheltered one like you middleclass upper- middle class majority kids. .
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I iz still being sheltered...Mrs. Kenobi is a sugar mama.

l.jpg
 
Mr Kenobi said:
I iz still being sheltered...Mrs. Kenobi is a sugar mama.

l.jpg
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A sugar mama? Wow dude hang on to that. My wife and I made an agreement that once i start med school, I will never have to cook, do dishes or wash laundry again.....cant wait for August 😉
 
Ost3oclast said:
A sugar mama? Wow dude hang on to that. My wife and I made an agreement that once i start med school, I will never have to cook, do dishes or wash laundry again.....cant wait for August 😉
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Haha. My wife and I made an agreement that when I finish residency she never has to work again😉
 
Mr Kenobi said:
Haha. My wife and I made an agreement that when I finish residency she never has to work again😉
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Funny. Same thing here. My wife will work and support us while I got to med school and during residency, and after I finish, she has the luxury to retire for good (although she prefers to remain working part-time).
 
Ibn Alnafis MD said:
I'm surprised that no one has mentioned the new repayment program started in December of last year, PAYE.

With this program, your monthly payment shouldn't exceed 10% of your annual ADJUSTED income divided by 12.

For someone earning 150K/year, for example, the monthly payment wouldn't exceed $1100.
Click to expand...

PAYE is a nice payment plan, but loans for health-graduate school aren't eligible.
 
DrWily said:
It's cool. You can keep chasing tail at the bar scene always wanting something more while I go home and live the happy married life knowing that I share something important with my wife that non-married men won't ever have.

I'll take my chances on 1/2. That's better odds than most things in this world.
Click to expand...

Ha ha! For sure! I totally agree with you!

And statistics don't make my choices for me. I don't care if 90% if the country gets divorced, it's completely up to me and my wife to decide if we will let our marriage disintegrate into divorce or not.
 
kgpremed11 said:
divorce rate in this country ~ 50%. I wish I lived in the sunshine and rainbows world you kids lived in. Sadly/luckily I've had a chance to live in the real world and my life has not been a sheltered one like you middleclass upper- middle class majority kids. .
Click to expand...

🙄🙄🙄 I wish.
 
dudeliness said:
Ha ha! For sure! I totally agree with you!

And statistics don't make my choices for me. I don't care if 90% if the country gets divorced, it's completely up to me and my wife to decide if we will let our marriage disintegrate into divorce or not.
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Yup.

Sent from my SGH-T999 using SDN Mobile
 
dudeliness said:
Ha ha! For sure! I totally agree with you!

And statistics don't make my choices for me. I don't care if 90% if the country gets divorced, it's completely up to me and my wife to decide if we will let our marriage disintegrate into divorce or not.
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Yeah 50% chance that it will, then its giving up half of everything plus paying her alimony while she sleeps with somebody else.
 
kgpremed11 said:
Yeah 50% chance that it will, then its giving up half of everything plus paying her alimony while she sleeps with somebody else.
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You're a fail.

Sent from my SGH-T999 using SDN Mobile
 
kgpremed11 said:
Yeah 50% chance that it will, then its giving up half of everything plus paying her alimony while she sleeps with somebody else.
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So what? is everything measured with money?

God forbid, if my marriage ever fails, financial loss would be my least regret.

Life is too short. I can't wrap my head around those who use statistical data to justify their PERSONAL preferences.
 
kgpremed11 said:
Yeah 50% chance that it will, then its giving up half of everything plus paying her alimony while she sleeps with somebody else.
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Sorry you've had a jaded experience, but I'm extremely happy with my marriage and my wife and child. I try to be better to her every day and I she works to be better to me every day. Having a successful marriage is a choice made by two people to work it out, talk it out, forgive, and serve. While I don't control her decisions, I trust that she will make decisions that benefit our family rather than tear it down.

I would much rather "take the chance" of getting married at the risk of losing 1/2 my value and paying alimony than spend my life unmarried going from relationship to relationship. Besides in a lot of places if a couple lives together for an extended period of time and splits, he or she may have a right to receive support and/or a right to certain property acquired during the relationship (like California) so married or not if you maintain a relationship for x amount of years (depending on the state) you're still going to be in a similar situation if you split up.
 
kgpremed11 said:
The more I ignore you the angrier you get lol. Whats with the personal attack:laugh:
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I'm not angry.

You just told a guy that his marriage is 50% likely to fail.

Sent from my SGH-T999 using SDN Mobile
 
kgpremed11 said:
Yeah 50% chance that it will, then its giving up half of everything plus paying her alimony while she sleeps with somebody else.
Click to expand...

[YOUTUBE]http://www.youtube.com/watch?v=HzSUo8iPp4M[/YOUTUBE]
 
kgpremed11 said:
Yeah 50% chance that it will, then its giving up half of everything plus paying her alimony while she sleeps with somebody else.
Click to expand...

:laugh: Someone sounds bitter.. I feel sorry for you that this is your outlook on marriage and life.
 
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