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- Jun 7, 2018
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Is that why you were single most of your life?
Single due to my own choosing. I'm very picky. I have had 3 ladies wanting to marry me.
Is that why you were single most of your life?
Update: my plan just got thrown off course big time. Recently got a girlfriend and i'm beginning to realize being in a relationship cost a lot of money. Besides from going out to eat and driving to see her, i'm planning to book a trip to France to propose to her. Then wedding will cost a ton. It's pick your poison: being single, lonely and don't spend money to payoff loans quicker or be in relationship, get married and only able to pay about $3,000/month.
Update: my plan just got thrown off course big time. Recently got a girlfriend and i'm beginning to realize being in a relationship cost a lot of money. Besides from going out to eat and driving to see her, i'm planning to book a trip to France to propose to her. Then wedding will cost a ton. It's pick your poison: being single, lonely and don't spend money to payoff loans quicker or be in relationship, get married and only able to pay about $3,000/month.
Update: my plan just got thrown off course big time. Recently got a girlfriend and i'm beginning to realize being in a relationship cost a lot of money. Besides from going out to eat and driving to see her, i'm planning to book a trip to France to propose to her. Then wedding will cost a ton. It's pick your poison: being single, lonely and don't spend money to payoff loans quicker or be in relationship, get married and only able to pay about $3,000/month.
So a month ago you didn't have a GF....now you do.... and you're already planning the proposal and wedding? Rofl.
Good luck man... I don't see that ending well.
I hope this "hot chick" has a personality and you guys actually have things in common outside going out and spending money on pointless things.
Life changes as you get older and that's a divorce waiting to happen if not.
Let’s be optimistic here. She felt in love with him without even knowing what he does for a living. She thought he was some minimum wage earning retail clerk, not some hot shoot pharmacist!
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Can one really fall in love in just a month?
I mean if you are spending $1k/mo on dates, and gf went to OP house. Any girl worth their salt knows what's up... doesn't have to be a genius...Let’s be optimistic here. She felt in love with him without even knowing what he does for a living. She thought he was some minimum wage earning retail clerk, not some hot shoot pharmacist!
The main takeaway are: I regret not attacking my student loans with full force when I graduated 6 years ago. I bought 2 new cars and a house. I started focusing on my loans last year and created a budget to maximize the payment. I asked my self last year what could possibly happen to detour my plan? Well, life happens.
I bought 2 new carsSDN mobile
I hope you drive with your windows up in your 2 cars or the wimmin will be launching themselves into your car like Asian carp into a boat.Single due to my own choosing. I'm very picky. I have had 3 ladies wanting to marry me.
The main takeaway are: I regret not attacking my student loans with full force when I graduated 6 years ago. I bought 2 new cars and a house. I started focusing on my loans last year and created a budget to maximize the payment. I asked my self last year what could possibly happen to detour my plan? Well, life happens.
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I’d pay less and enjoy life more...
Just my two cents
Do what you feel is right, not what people on a forum tell you to do.
I would never work hard for 3 straight years just to try and pay off my loans quickly. You can NEVER buy back your youth.
How on earth this has 9 likes is beyond my pay grade. Pay your damn bills! Stop acting like a child!
Pre-Pharmers.... this is what we call life expenses that one can never easily budget for.
If not a “rushing” proposal followed by divorce with no prenup arrangement: it’s a broken vehicle, getting terminated, getting that best deal on a 20** hybrid model or cruise ship you just gotta have...
You MUST take care of you and your Emergencies....hence, go to cheapest educational route as possible and stop with the idea of prestige.
This is hilarious! If you didn't want to spend your youth paying down your bills then why did you sign up for them in the first place? I am so sick and tired of people making excuses for their bad choices! Good god I feel like I'm in crazyville
You're sick and tired of people making excuses for their bad choices? LoL, by not paying down my loans I saved up money to open up several businesses and now I'm slowly getting out of the pharmacy role and getting into the retail sector and real estate. By real estate that means buying commercial properties and not being a "realtor." Could the housing market crash? Of course.
Putting myself into a retail pharmacist's shoes like yourself, I can see the limitations of NOT paying down loans asap given your guys' job market, job insecurity and inability to become indispensable. It is indeed a "safe" way to live early on by attempting to pay off your loans. How many of you individuals who have spent the maximum allowable figure (yeah I just made up a term, MAF) each month into your loans have built other sources of equity? 401k, IRA and other related brokerage accounts are hardly that. I've also positioned myself with vendors and clients so if my businesses somehow all went south simultaneously, I could network a new job outside or inside pharmacy through them.
Many of my colleagues at managed care positions, teaching hospitals and closed door pharmacies know that they can be replaced at a moment's notice, despite having done PGY1/Y2s, advanced training, etc. Also, you never know when a department you're at may get their funding cut. Non profit, teaching, for-profit hospitals and other 340b systems are so competitive, it's crazy. However crazy this might sound, this is the workforce now. Embrace it.
So you're entitled to your own opinion but I wouldn't be so quick as to belittle those who didn't pay down their loans asap or tell them to stop acting like children.
I think you brought up an important point. It's never a good idea to put all your eggs in one basket. By paying off loans ASAP -especially those folks with very high student loan debt, you are putting all your eggs in one basket. It's important to build equity in other areas. Opening a business - even if it is a failing business - will grant you tax deductions and will lower your taxable income. It makes sense to do so.
And the ignore list keeps growing. LOL
Only a fool would start a business when he is already up to his neck in debt.
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How on earth this has 9 likes is beyond my pay grade. Pay your damn bills! Stop acting like a child!
I am all for building emergency savings and investing for retirement while you pay off your student loans at a reasonable and responsible pace.
I don't know about this idea of prestige. Where you go to school is starting to matter in some states. I've seen postings for Minnesota and Wisconsin hospitals stating that they will take a University of Minnesota PharmD graduate without a residency. Anyone from any other school must have a residency. It's not the general rule yet.
There are a lot of pharmacists in this forum who can't reason their way through a Voltaren gel package insert. True story. So maybe it does matter where you get your education?
The idea of attending a top school in order to waive a residency is very very small compared to the job outlook of all 50 states (jobs that still take on a PGY1 even though you went to school across the street at a top 10 or 20). Sacrificing an extra 100k+ of high interest loans for a name brand doesn’t work for a pharmD and is only a small outlier for a low percentage of jobs.
Once I graduate with years working with the VA computer system in the pharmacy, I’m still expected to do a PGY1 at most openings online despite the school I attend. Which explains why many pharmD grads “can’t reason their way through a Voltaren Gel package insert.” It has nothing to do with academia as much as many students never stepping foot in a pharmacy before school, not doing any (or very little) hours as an intern, and only experiencing the factualities of a pharmacists when APPE rotations take place.
Apply to wallet saving institutions and NETWORK will be the saving grace for the go-getter-students in this profession....Although, I notice more Betas graduating than go-getters but to each their own.
I've determined it's impossible to get through to these millennials. They want 200k in student loans, 300k in house mortgage, and now another what 300k to start a business? Plus they don't think they should ever have to pay any of it off and just let the government pay for it or just declare bankruptcy.
Where you go to school is starting to matter in some states.
I've seen postings for Minnesota and Wisconsin hospitals stating that they will take a University of Minnesota PharmD graduate without a residency. Anyone from any other school must have a residency. It's not the general rule yet.
There are a lot of pharmacists in this forum who can't reason their way through a Voltaren gel package insert. True story. So maybe it does matter where you get your education?
Let that ignore list grow, Apotheker2015.
Opening a business - even if it is a failing business - will grant you tax deductions and will lower your taxable income. It makes sense to do so.
Well....this tread took a turn.
And you’re surprised because?
Not the person you asked, but I am because the OP initially seemed reasonable with a sincere question and suddenly it’s a soap opera.
You think asking if 4K per month is enough to pay student loans every month is a sincere and reasonable question?
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Well, no I guess not lol... but more reasonable than planning a marriage with someone after a month.
Well, no I guess not lol... but more reasonable than planning a marriage with someone after a month.
She's hot though