Pharmacy paid off

[xiphoid2010]

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Do you get "disgusted and put off" by millionaires as well, because they are the ones those "cheap" people turn into. I honestly don't care what you do, but I'm sure those who have similar attitudes and spend 100%+ of what they make with no speakable savings will be the first ones to have their hands out when **** hits the fan.

Please also remember that "cheap" does not necessarily = poor quality of life. For my situation I live in a brand new 3000sqft house, drive a nice car and do enjoy a multitude of fun and interesting activities. I will also be a millionaire by the time I am 32. I work hard, but I also understand how to buy assets that do not deprecate in value and avoid consumables that have zero value. You may want to expand your horizons and perhaps see how it is possible to be "cheap" and have a comfortable/fulfilling life.

+1, right on! My parents came to this country 25 years ago to study, with nothing to their names. Even after they started making $150K+ a year after graduation, they still lived frugally, which admittedly was embarrassing in front of my friend during teenage years. But in 20 years, they grew their net worth from $0 to $5 mil. They don't find flaunting money fun, rather accumulating wealth is very much a joy to them. And now that I understand and learned from them, I'm so glad they saved and invested, because there's 0 worry about their financial future.

 

[mustang sally]

If you want to save even more money on laundry...make your own detergent. Boil 4-6 cups of water on the stovetop and add 6 tablespoons of Borax and Washing Soda. Let it dissolve, take off heat and add 4 tablespoons of Dawn (slowly, so it doesn't boil up). After it cools a bit, pour it into the gallon jug of your choice and qs with water (again, add slowly). Use about 1/4 of a cup for a normal size load...about 1/3 cup for a large load. I seriously can't tell the difference between this and normal laundry detergent.

Also, if you really don't like having to buy dryer sheets, I've heard using vinegar in the washer works well as fabric softener. Apparently the heat in the dryer gets rid of the smell. Anybody tried this?

Thanks for the tips. My mom does make her own detergent, but so far I have been too lazy to try it.

 

[Albo]

+1, right on! My parents came to this country 25 years ago to study, with nothing to their names. Even after they started making $150K+ a year after graduation, they still lived frugally, which admittedly was embarrassing in front of my friend during teenage years. But in 20 years, they grew their net worth from $0 to $5 mil. They don't find flaunting money fun, rather accumulating wealth is very much a joy to them. And now that I understand and learned from them, I'm so glad they saved and invested, because there's 0 worry about their financial future.

First Dr. Wario, i dont have a problem with people that save their money away and live a stingy life. I however have a problem when you take advantage of your techs and other people in order to save more money. I have seen what greed does to people and it is a horrible disease. I seen parents being so obsessed with money, literally dying on the job or working until very old, only to have their kids blow off all their hard earned money.

Second xiphoid2010, i see that you are very proud of the sacrifices of your parents and have learned a great deal from their way of living. I know you have repeated their story many times and that is very respectable, but let me tell you my story. I came in USA with my parents when i was 14, none of us had any knowledge of English and crossed the Atlantic with only $5000 of savings and a promise of an old friend for a better life. I had to work since i was 15 (dish-washing at a Chinese restaurant by lying to them that i was 16), i had to start my sophomore year of high school without speaking English. Many times i had to walk to/from high school for 30 min because we had only one car. I really wanted to play sports but i couldn't because i kept working at different places after school. I have worked at Wendy's, taco bell and a bazillion family restaurants. I learned English, finished high school, graduated with distinction from college (without any loans and working most of the time) and now i am in Pharmacy School. 10 years later my family has a house which is half paid, three paid off cars and no longer need any of us to work two jobs. So at the end of the story i just want to point out that i went through ****ing hardship and i made the most out. I am not some rich douche living on his daddies money. This is why when i see tech that has to raise a family on $8/hour, once in a while when i bring lunch or buy coffee it is on me. Maybe i will never be a millionaire but all i want to do is live comfortably and provide for my future family.

Anyway i respect and look up to both you guys. I barely post but i am an avid reader and i know everybody pretty well from their past posts. I respect the dedication of you, Dr. Wario and your ambition to retire young and the same goes for the discipline of xiphoid2010 and being able to reach your goal of DOP so early in your career. It is just that everyone has their point of view in life based in prior experience and we might disagree in our views.

 

[schamj01]

Exactly!!! I don't have countless hours of time to make eco friendly ****.

For cleaning products, we go to costco with a friend and we get stocked up for months...paper products too.

haha, I totally understand. The nice thing about my recipe is it only take 10 minutes to do, and I usually make it up while doing dishes anyway. I personally don't trust some of the dollar store cleaning products. We tried some of the cheap stuff and it made my daughter's skin break out. My mom recommended that we try making our own and my wife found the recipe. It works like a charm.

If it makes you feel better, we buy all our other cleaning products from the store.

 

[xiphoid2010]

at the end of the story i just want to point out that i went through ****ing hardship and i made the most out. I am not some rich douche living on his daddies money. This is why when i see tech that has to raise a family on $8/hour, once in a while when i bring lunch or buy coffee it is on me. Maybe i will never be a millionaire but all i want to do is live comfortably and provide for my future family.

Not saying you wre born with a silver spoon in your mouth. But l think most of the first gen Asian immigrants went through it more or less. I'm sure you already know that my family endured and clawed our way out of the ghetto.

My opinion is, it is each person's responsibility to rise up. The cost and sacrifices can be be brutal but your story, my family's and probably most of the Asians in this country did it time and again, so it is certainly humanly possible. It's what you want and how badly you want it. Many are tired of me saying "do whatever it takes", but that's the most boiled down explanation.

Now you have different priorities when comes to finance, I can respect that. But even if those frugal living isn't for you, you probably should still give the goal of financial independence a closer look. I would also advise techs how to better career than complaining about pay, they are ultimately responsible for where they are in life.

 

[Farmercyst]

Exactly!!! I don't have countless hours of time to make eco friendly ****.

For cleaning products, we go to costco with a friend and we get stocked up for months...paper products too.

I'd be mindful of per unit cost. I saved more buying at Wags with the employee discount than I could at costco. We also have a winco nearby which helps on grocery items. Unfortunately it's expensive to live in rural norcal.

 

[CuriousPharmD]

this is bs....the op never stated where they work and how they were able to work 65-80 hours a week since their hire....no employer would let a newly hired employee work those insane amount of hours in the very beginning ESPECIALLY during the training period...very hard to believe....if its true the work is probably in the middle of nowhere....100s of miles away from the nearest city....no way I can live far from the city....

I work in Chicago and I just got 3 hours of OT this past weekend which is a lot and rare...

 

[rxlea]

I'd be mindful of per unit cost. I saved more buying at Wags with the employee discount than I could at costco. We also have a winco nearby which helps on grocery items. Unfortunately it's expensive to live in rural norcal.

My better half is good at figuring out all that per unit cost. I just go along for the ride.

It's crazy how much the most basic items cost. I think they just opened a winco in phoenix. I'm going to have to check it out one of these weekends.

Those employee discounts are pretty good though. When I worked at Osco, I bought most of the cleaning and households products from there.

 

[StevePerry]

Do you get "disgusted and put off" by millionaires as well, because they are the ones those "cheap" people turn into. I honestly don't care what you do, but I'm sure those who have similar attitudes and spend 100%+ of what they make with no speakable savings will be the first ones to have their hands out when **** hits the fan.

Please also remember that "cheap" does not necessarily = poor quality of life. For my situation I live in a brand new 3000sqft house, drive a nice car and do enjoy a multitude of fun and interesting activities. I will also be a millionaire by the time I am 32. I work hard, but I also understand how to buy assets that do not deprecate in value and avoid consumables that have zero value. You may want to expand your horizons and perhaps see how it is possible to be "cheap" and have a comfortable/fulfilling life.

A bit skeptical on that claim... I guess it depends on your starting point, but I'd definitely like to see the books on that one.

 

[CuriousPharmD]

A bit skeptical on that claim... I guess it depends on your starting point, but I'd definitely like to see the books on that one.

ditto!! i guess he will be working 80 hours a week permanently too!!! i'd like to live in that fantasy world too....or maybe not!!

 

[Dr Wario]

A bit skeptical on that claim... I guess it depends on your starting point, but I'd definitely like to see the books on that one.

I don't mind sharing, as I've stated before, my situation is a bit unique and my goal is to not boast, but to have pharmacists inspired to acquire a strong financial education so that we can take back the profession. Anyway, my net worth coming out of pharmacy school at age 25 was approx 200k. I will admit that my parents paid for my education and basic needs (about 600/mo), the money I accrued started from when I was young, helping my father work on his rental properties and saving small amounts from birthday gifts. During the times I was in school, I would work 10-15 hrs per week and maximize hours during holidays and summer (45-65) while maintaining the rental properties I had begun to acquire (currently 14 units in a low cost area).

Most recently my family has taken on projects where we would purchase a house in poor repair and rebuild a luxury home on the property. This specific area is fairly high col and practically untouched by economic downturn for a variety of reasons. The two homes we have completed have sold for between 1.6-1.8m netting a profit of around 200k each before taxes. I was 1/3rd owner in the first purchase and am now 1/2 owner in project 3 that we are just starting.

Again, I realize my situation is quite unique being that I did not have to finance my education, but any pharmacist can become financially strong through discipline and learning, and that will probably be the only thing that can save our profession from our corporate masters.

 

[mustang sally]

I don't mind sharing, as I've stated before, my situation is a bit unique and my goal is to not boast, but to have pharmacists inspired to acquire a strong financial education so that we can take back the profession. Anyway, my net worth coming out of pharmacy school at age 25 was approx 200k. I will admit that my parents paid for my education and basic needs (about 600/mo), the money I accrued started from when I was young, helping my father work on his rental properties and saving small amounts from birthday gifts. During the times I was in school, I would work 10-15 hrs per week and maximize hours during holidays and summer (45-65) while maintaining the rental properties I had begun to acquire (currently 14 units in a low cost area).

Most recently my family has taken on projects where we would purchase a house in poor repair and rebuild a luxury home on the property. This specific area is fairly high col and practically untouched by economic downturn for a variety of reasons. The two homes we have completed have sold for between 1.6-1.8m netting a profit of around 200k each before taxes. I was 1/3rd owner in the first purchase and am now 1/2 owner in project 3 that we are just starting.

Again, I realize my situation is quite unique being that I did not have to finance my education, but any pharmacist can become financially strong through discipline and learning, and that will probably be the only thing that can save our profession from our corporate masters.

Do you have any specific advice for pharmacists? I think I have decent financial knowledge, but now that I'm going to actually be making money I'm getting more interested in financial matters again and how to build wealth. Other than going to see a financial planner (maybe), paying down grad plus loans, saving for retirement and emergency fund I'm not sure what else I would like to do with the money.

 

[Dr Wario]

Do you have any specific advice for pharmacists? I think I have decent financial knowledge, but now that I'm going to actually be making money I'm getting more interested in financial matters again and how to build wealth. Other than going to see a financial planner (maybe), paying down grad plus loans, saving for retirement and emergency fund I'm not sure what else I would like to do with the money.

I don't think there is any such thing as general financial advise, except possibly live below your means. The rest is all situational, but I can say that the biggest mistake I see is pharmacists thinking they deserve something because they got through six-eight years of school. Something that helped inspire me was determining what the true value of my time was and determining how much time things cost me. For example, cable television on a monthly basis costs me about 2 hours of time (assuming an after tax hourly worth of about $35) but I also figured out that having cable over the period of my working life could delay my retirement by up to six months and possibly even a year if I lived as most Americans.

I think many pharmacists are smart when it comes to purchasing a home due the the magnitude of the decision and the emphasis society places upon it, but something they forget is smaller purchases can make them poor. One of my favorite examples is the automobile. Everyone one knows that cars depreciate in value, but do you really know how much? Let's take a typical new car priced at 25,000. It is well known that it will depreciate by about 20% in the first year, but guess what...the dollars also depreciated by about 3% in that year (ie inflation). Now add to that the opportunity cost of that money had you invested it, or the financing fees if you had to borrow (2%) plus additional taxes and insurance because of the high value (2%). So the first year we owned this car it cost us 27% of its dollar value or $6750 beyond the costs of normal gas, maintenance, taxes and insurance. That 6750 could buy you a fairly decent used car. Doing many calculations, I figured out that purchased midrange used cars that are 4-6 years old vs buying new midrange cars could save five years of working life.

Many people have heard that financial well-being is 80% behavior and 20% knowledge, but I really think you need the knowledge to influence the behavior. No matter how much money you earn, financial education will be the most monetarily productive use of your time. So I guess my advise would we to learn all that you can from as many sources that you can find.

 

[Momus]

A bit skeptical on that claim... I guess it depends on your starting point, but I'd definitely like to see the books on that one.

I believe him because I am in a similar situation; graduated at 24 yo with no student loans. I will have ~900k by the time I am 32, maybe $1M if I get lucky. When it reaches $1.8M, I could really slack off and just do part time because the money would be sufficient to generate $100k passive income at that time...

 

[Its Z]

A bit skeptical on that claim... I guess it depends on your starting point, but I'd definitely like to see the books on that one.

There's a lot of uncertainties in life and thats certain. In my 20s and early 30s, I believed the future was always going to be better. And it is by most part. But I saw my asset shrink to 1/20th the year I turned 40. It took a year to get over it since at that time I was on a 2 year plan. Hindsight....I could have done things differently and I would not be working today. Of course I stayed positive through the whole thing and took it as a one of the biggest life lessons. Though I was never in any sort of a financial jeopardy I do feel like I'm starting over. Life is truly like a box of chocolates. I hate the ones with fruity fillings. Give me a chunk of solid Hershey.

 

[SHC1984]

Life is truly like a box of chocolates. I hate the ones with fruity fillings. Give me a chunk of solid Hershey.

That's why you buy Godiva. You will always know whats in each piece!

 

[rxlea]

That's why you buy Godiva. You will always know whats in each piece!

This is funny. lol

I love Godiva but it doesn't beat what I had in Switzerland. Now, THAT was some serious deliciousness.

 

[Its Z]

NO...that's a Foo Foo chocolate. I will take a simple $1 Hershey's milk chocolate with nothing else.

 

[SHC1984]

A bit skeptical on that claim... I guess it depends on your starting point, but I'd definitely like to see the books on that one.

I worked with a pharmacist at Walgreens in 2009. She graduated at 23yo with NO loans. She worked for Walgreens for over 10 years. She drives a totoya camery. She has no boyfriend, no children, etc. She has pretty much no bills to pay at all. She bought her car used and paid in cash.

Yet, she will always tell me she only buys makeup when it's on sale, she will only shop at Kohls for clothes or anything that's cheap, she always talks about saving money. I told her I use Chanel and shop at Bebe and she like OMG that's way too expensive. LOL...I try to take her shopping and make her look hotter but she doesn't want to buy anything!

I have NO doubt she is worth over a million dollars. She is so frugal with everything and won't spend a dime! And she has no children or any other bill for that matter but she is still so frugal! She hardly ever go on vacations either.

Most pharmacist I know are very frugal..I haven't met one that spend a lot of money on anything. But this pharmacist tops the charts! I never asked her, but I really want to know why she is so FRUGAL!!!! She most likely has millionS of dollars under her name...for god sakes go buy yourself a BMW and some hotter clothes or something! lol...

 

[SHC1984]

This is funny. lol

I love Godiva but it doesn't beat what I had in Switzerland. Now, THAT was some serious deliciousness.

I usually just buy the strawberries covered with chocolates. I am trying to stay SKINNY...but for some reason I can NOT keep my hands off the strawberries dipped in chocolate...that's pretty much the only thing I buy at Godiva now.

 

[hye345]

I worked with a pharmacist at Walgreens in 2009. She graduated at 23yo with NO loans. She worked for Walgreens for over 10 years. She drives a totoya camery. She has no boyfriend, no children, etc. She has pretty much no bills to pay at all. She bought her car used and paid in cash.

Yet, she will always tell me she only buys makeup when it's on sale, she will only shop at Kohls for clothes or anything that's cheap, she always talks about saving money. I told her I use Chanel and shop at Bebe and she like OMG that's way too expensive. LOL...I try to take her shopping and make her look hotter but she doesn't want to buy anything!

I have NO doubt she is worth over a million dollars. She is so frugal with everything and won't spend a dime! And she has no children or any other bill for that matter but she is still so frugal! She hardly ever go on vacations either.

Most pharmacist I know are very frugal..I haven't met one that spend a lot of money on anything. But this pharmacist tops the charts! I never asked her, but I really want to know why she is so FRUGAL!!!! She most likely has millionS of dollars under her name...for god sakes go buy yourself a BMW and some hotter clothes or something! lol...

Na, if I had that kind of money, I would spend it on experiences. Maybe she could take her closest friends on vacation with her to someplace exotic.

Fun experiences get better in memory overtime, while material items start to depreciate as soon as it's left the sales floor. I'd hate to be the owner of a brand new BMW that has just gotten its first scratch

 

[StallionRx]

There's a lot of uncertainties in life and thats certain. In my 20s and early 30s, I believed the future was always going to be better. And it is by most part. But I saw my asset shrink to 1/20th the year I turned 40. It took a year to get over it since at that time I was on a 2 year plan. Hindsight....I could have done things differently and I would not be working today. Of course I stayed positive through the whole thing and took it as a one of the biggest life lessons. Though I was never in any sort of a financial jeopardy I do feel like I'm starting over. Life is truly like a box of chocolates. I hate the ones with fruity fillings. Give me a chunk of solid Hershey.

How did your assets shrink to 1/20 of their value?

 

[Its Z]

How did your assets shrink to 1/20 of their value?

Medicaid suspended our$15 million business. Personal attack on my partner. I was an absentee major share holder. Pharmacy was always a 2ndary income until then.

 

[crossurfingers]

What was your primary source of income?

 

[Its Z]

My businesses. At one point I had 5 separate businesses including a DME supply.

 

[Hope1974]

I'm really impressed. I haven't stopped thinking about this thread for days now, and I want to do this myself.

just a few q's:

1.)where were you permitted to work 65 hours per week? since I'm hourly, my employer won't allow me to put in over 40 hours/week, so they don't have to pay overtime.

2.) did you have 2 jobs?

3.) how much loan did you have, and how else did you minimize expenses to put more towards loans?

personally, I found that loans = ~$1,000 (6-6.55%)...rent is $700 (utilities/internet included)...car payment is $402 (2.74%)...insurance is $175/month...food is another $400/month...gas is another $300/month...home stuff/toiletry is another $80/month...clothes were $60/month (all bought at TJ maxx)...family internet plan (helping out my parents) is $185/month, and only my sister has data

so I average $3,302/month for expenses...and that doesn't include the $1,200 to register the car, occasionally w' draw cash ($2-$300/month), occasional movies/going out to eat/"gifting yourself" ($185/month)...and I need to buy 4 new tires within a month or two ($600)

even if I don't buy clothes, or occasionally gift myself...over half of a month's pay is gone towards expenses...if I'm lucky, I don't save anything extra, and I exclude the interest that accrues, it'll still take over 5 years to pay off $100k + in loans...not to mention, in that time I expect to buy a ring, pay half for a wedding, and buy a house.

so yeah man...how do yo do it!!

My parents paid half my loan. I had 60 or 50 left to pay. I'll get back to u with the exact amount. No car payments cause my car was a gift from my parents for graduation. And yes, what I said about the hours is right. I had two weeks one time of 80 hrs- I'm gonna frame that check. Since January, I've had 13 days off- worked all weekends. Made my last payment this last Friday. Oh, and I only have one job. Any further questions pm me- I'll send u copies of my schedules since January- pretty incredible when I look back at it. There's a reason people have called me crazy. You can accomplish just about anything if u put your mind to it!

 

[BMBiology]

great job paying back your loans; now your money is free to work for you

 

[All4MyDaughter]

My parents paid half my loan. I had 60 or 50 left to pay. I'll get back to u with the exact amount. No car payments cause my car was a gift from my parents for graduation. And yes, what I said about the hours is right. I had two weeks one time of 80 hrs- I'm gonna frame that check. Since January, I've had 13 days off- worked all weekends. Made my last payment this last Friday. Oh, and I only have one job. Any further questions pm me- I'll send u copies of my schedules since January- pretty incredible when I look back at it. There's a reason people have called me crazy. You can accomplish just about anything if u put your mind to it!

And the truth comes out... Kudos for working that much, but your situation is pretty atypical. Most people don't have parents paying half of their loans, and aren't getting cars for graduation. And really, most of us can't work that much...especially those of us who are married and/or have kids. Your dedication is laudable, but you had a lot of help from your parents and your ability to get lots of OT is also pretty unusual. Congrats!

 

[Ackj]

And the truth comes out... Kudos for working that much, but your situation is pretty atypical. Most people don't have parents paying half of their loans, and aren't getting cars for graduation. And really, most of us can't work that much...especially those of us who are married and/or have kids. Your dedication is laudable, but you had a lot of help from your parents and your ability to get lots of OT is also pretty unusual. Congrats!

Ignore the gifts, and it is still impressive. 60k loan, and even if he did have to pay for a car would make it 65k. That's a lot of change to put away.

 

[All4MyDaughter]

Ignore the gifts, and it is still impressive. 60k loan, and even if he did have to pay for a car would make it 65k. That's a lot of change to put away.

I didn't say it wasn't impressive. But the premise of this thread was, "I'm paying all my loans off in under a year!!" Which is true, but ONLY because his parents paid half of them. It was a bit misleading, IMO.

 

[Hope1974]

Shoot, I forgot I have an ACS student loan of 12K ta pay off. But, that shouldn't take long. Plus the interest rate on that is 3%- from the good ole low interest rate days.

I'm female, not male. And, I forgot to mention that I don't live in an apartment. I live in a room in a house-like a student for $650 a month. I prefer that to an apartment with all the f**kn bills that go with it. I'm happy like this.

I used to make $10/hr with 2 degrees (as I have 4 inlcuding pharmacy) and I remember how hard that was. With the money a pharmacist makes- even if you get 40 hrs a week, you can still pay your loans off faster than say 20 years. At least I think so, I could be wrong.

 

[Hope1974]

this is bs....the op never stated where they work and how they were able to work 65-80 hours a week since their hire....no employer would let a newly hired employee work those insane amount of hours in the very beginning ESPECIALLY during the training period...very hard to believe....if its true the work is probably in the middle of nowhere....100s of miles away from the nearest city....no way I can live far from the city....

I work in Chicago and I just got 3 hours of OT this past weekend which is a lot and rare...

I'd rather not say which company, however its located all over South Florida in The Big cities. I worked full time in pharmacy school with a big chain company - it wasn't difficult to transition into the pharmacist position. I'm writing this as I just got off a 3 ta 9 shift. The second of two shifts. The first ended at 8am this morning. You get used to crazy hours. But I can't do it forever.

 

[All4MyDaughter]

Shoot, I forgot I have an ACS student loan of 12K ta pay off. But, that shouldn't take long. Plus the interest rate on that is 3%- from the good ole low interest rate days.

I'm female, not male. And, I forgot to mention that I don't live in an apartment. I live in a room in a house-like a student for $650 a month. I prefer that to an apartment with all the f**kn bills that go with it. I'm happy like this.

I used to make $10/hr with 2 degrees (as I have 4 inlcuding pharmacy) and I remember how hard that was. With the money a pharmacist makes- even if you get 40 hrs a week, you can still pay your loans off faster than say 20 years. At least I think so, I could be wrong.

I definitely agree with this. You just have to avoid substantial upgrades to your lifestyle while you're doing it. Not everyone wants to do that.

 

[SoylentGreen]

The fact that your parents paid off half of your tuition really makes a huge difference. I pay at least $1050 out of every paycheck, but nearly half of that is interest, so it's still going to take, like, forever, to pay this off.

Are you still going to work like that when the debt's paid off?

 

[D5WwithNSS]

Congrats OP. Your words are really inspiring. I am facing a similar situation. I have a ton of debt and I just started a job where I have the potential to work massive amount of OT. I am hoping to do what you did and work like crazy to pay off all that debt. Keep up working hard and save that money!!! But don't go too frugal....cause you only live once!!!

 

[Momus]

I just started a job where I have the potential to work massive amount of OT.

In my area, OT dries up. Company recently hires 4 new grads that takes 160 hours of extra shifts collectively, or what used to be about ~3 open shifts/day gobbled up by new grads. On top of that, there are still interns that are waiting until the board posted their score. Less and less OT available... A big city dilemma. This is happening every where.

 

[pezdispenser]

I'm still getting OT at my job in Florida. But I do not get paid time and a half for it. Only $5 extra per hour. I'm projecting about $20k in OT for this year.

 

[D5WwithNSS]

In my area, OT dries up. Company recently hires 4 new grads that takes 160 hours of extra shifts collectively, or what used to be about ~3 open shifts/day gobbled up by new grads. On top of that, there are still interns that are waiting until the board posted their score. Less and less OT available... A big city dilemma. This is happening every where.

depends on the environment also. Like in my environment def will always have OT.

 

[Hope1974]

To the person or persons paying just one thousand something a month:
On a pharmacists salary u can afford to pay more than that a month. And yes I'll work more hours to save and have a security blanket- as I know the market for pharmacists. Also, about the car, it's not fancy. It's a Toyota corolla mstr 16k- I've know people that have jobs making less than 30k that have financed a Lexus.

I hate bills, n prefer to not buy something if I don't have the cash. I don't use credit cards and I think cable tv is too expensive. You don't need expensive or fancy things to be happy in life.
Kindle Books: 100 Simple Secrets of Happy People, 30 Lessons for the Living: Tried and True Advice from the Wisest Americans)
(Internet: Top 5 regrets of the dying)

 

[Ackj]

I don't use credit cards and I think cable tv is too expensive. You don't need expensive or fancy things to be happy in life.
Kindle Books: 100 Simple Secrets of Happy People, 30 Lessons for the Living: Tried and True Advice from the Wisest Americans)
(Internet: Top 5 regrets of the dying)

I completely agree with cable. Really don't miss it as I watch very little TV anyway, and what I would watch is CBS, NBC, Fox, ABC. Not using credit cards may be a downside, although I understand your apprehension. If you're diligent and won't max them out and pay them off every month (which the companies do not want) then you simply earn their reward points or cashback. Almost 100% of my purchases are done on my card, so I'm getting between 1-5% back of everything, and have not paid a cent of interest on any of it. But if you can't remember when you need to log on and post your payment, or need to have that psychological stimulus of cash leaving your wallet, you're probably better without the plastic.

 

[SoylentGreen]

To the person or persons paying just one thousand something a month:
On a pharmacists salary u can afford to pay more than that a month.

If you're replying to me, I said *at least* $1050 a paycheck, which is biweekly, not monthly. $1000/month wouldn't even cover the 25 year plan for a lot of newish grads.

I actually pay more than that but it's still gonna be 5-6 years, assuming OT doesn't dry up around here.