Poll: what's your minimum salary

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What salary would you still work for?

  • 140k or higher

  • 120k

  • 100k

  • 80k

  • 60k

  • 40k

  • 20k

  • New response, nothing lower then 170k

Results are only viewable after voting.
W

wagrxm2000

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I've never made a poll so hopefully this works right.

So salaries have stagnated some, assuming loans stay at 150k and there is no forgiveness, how much would you work for?
 
Started at $60k, if I weren't married, I lived quite comfortably off $22k in 2004, even with inflation, it'd only be around $30k now (and that'd be debatable as housing costs were included in that $22k which isn't the case today). If I return to $60k, fine. It's not possible though, I would pension out higher at this stage (if I was forced out for disability reasons, 40% of $165k is already $66k and I wouldn't pay taxes on a disability pension or have to pay a medical premium), and have enough passive income that this wouldn't be a problem.
 
This is very location specific. I would currently NOT work for just 120k in NorCal or NYC, but I would in my current location. For NYC, I would expect a 140k a year salary (though I hear that's unheard of in hospital...guess I'm never moving there 🙁 ).
 
That depends on the job as well as the hours worked. If it's a cake job and I'm only there for 30 hours a week, I'd do it for like $80k. CVS at 44 hours a week, you need to pay me $150k.
 
lord999 said:
Started at $60k, if I weren't married, I lived quite comfortably off $22k in 2004, even with inflation, it'd only be around $30k now (and that'd be debatable as housing costs were included in that $22k which isn't the case today). If I return to $60k, fine. It's not possible though, I would pension out higher at this stage (if I was forced out for disability reasons, 40% of $165k is already $66k and I wouldn't pay taxes on a disability pension or have to pay a medical premium), and have enough passive income that this wouldn't be a problem.
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Did you have loans?
 
120k is the point where I could switch to a fully remote consulting job. I'd also enter survival mode because who knows how long that would last. Move back home, buy a cheap house, and save as much as possible.
 
Interesting so far, looks like as long as we stay over 100k most would be happy.
 
wagrxm2000 said:
Did you have loans?
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As the second highest paid intern in Walgreens at the time (averaged 90 hours/pay period both my 2nd and 3rd final year), nope, and I went to a private school. I actually had enough to substantially buy most of my first house in grad school (I paid off in 3).

I also do not have "dependents" (spouse or children) that I have to worry about. If it were up to my spouse, I wouldn't be working (again, I hate being the house husband).

$60k was and is the point where I could put $22k in the various retirement funds and have enough to live on without a buffer. The rest of the money just either becomes a bigger cushion or sushi money, I don't spend it either way as I can't be bothered to have a conspicuous consumption lifestyle (I do spend more than when living alone on spoiling my spouse, but she probably spends more on me).
 
msweph said:
I'm still early on in my career, and my spouse has medical school loans. So right now, I would just keep grinding unless it got to something totally cray where I could get a job doing something else.

In 10 years when we are both well into our careers, I honestly would just cut back my hours if pay remains stagnant and work 16-24 hours a week. My salary won't matter at that point.

Sent from my Pixel using Tapatalk
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You guys are made... just be a stay home dad. lol
 
msweph said:
Yea we will be well off, especially if I keep working and paid like I do now.

We lived a pretty decent life in med school and residency thus far

Sent from my Pixel using Tapatalk
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My wife is a biochemist... I'm hoping she could get a decent job in the industries and I can part-time or prn and go chill at a lake on a boat during weekdays when i'm off lol
 
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msweph said:
Sound like someone got a pretty hefty pay raise with the move

Sent from my Pixel using Tapatalk
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Still not making that CA money though!
 
This poll show why our field is going downhill. Anything less than 140k base is ridiculous.
 
$100k; This is a piece of cake job, a monkey can do it... after a month or two, you get the hang of it. This applies in hospital or retail. Verifying orders, making sure it's safe for the patient, counselling, make sure everything is correct... it just becomes a routine. No challenge. I can say 95% of jobs are like this tho... routine boring, doing the same sh1t over and over.
 
Number need to be higher on this poll. 140 is well below the starting wage for most pharmacists in some areas.
 
bacillus1 said:
This is very location specific. I would currently NOT work for just 120k in NorCal or NYC, but I would in my current location. For NYC, I would expect a 140k a year salary (though I hear that's unheard of in hospital...guess I'm never moving there 🙁 ).
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Friend is a specialist in NYC making more than that. They’ve been at the job since 2011, so unclear what is wages vs step increases for longevity.


Sent from my iPhone using SDN mobile
 
Lexington2012 said:
Number need to be higher on this poll. 140 is well below the starting wage for most pharmacists in some areas.
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I put 140k or higher since that's around what rxm will make in the lower cost areas.

The poll was more for how low would you go but I guess some would say nothing lower then 160 or 170k.

I added 170k and allowed vote changes.
 
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I would take my current rate at 32 hrs/week or 24 hrs/ week, so that would be 120k/yr or 91k/yr. Subtract HSA and max 401k and that would be 98k/yr or 70k/yr pre-tax.

I could live comfortably on that depending where in California but my savings rate would be drastically curtailed and job security would be less (can't be PIC at 32 or 24 hours weekly). I expect displacement of my job in the next 10 years so I'm saving as much as possible without severely curtailing QoL (~75k a year across tax-advantaged and taxable accts)
 
Problem is it doesn't specify job. And to those saying >140k I've worked in several southeastern states and people that were with the company 10 years weren't making that. Most were making 120-140k base.
(edited to change to 120-140k from 120-130 as many were making 130s)

I would accept 100k for VA and did, especially since I knew the raise structure. Will be at 117-119k by the end of this year.

I don't think you could pay me enough to go back to retail at this time, I'm sure I would go back if forced but would seriously consider another career. I would say the absolute minimum retail would be 120k if that was a last resort job. Once you get below that the desire to do something else (finance/real estate/something else I like to learn about) would be to strong.

Luckily my wife and I live below our means and she is also a pharmacist. However, if the market went to crap and we were both jobless we would be in trouble.
 
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rxdawg21 said:
Problem is it doesn't specify job. And to those saying 140k I've worked in several southeastern states and people that were with the company 10 years weren't making that. Most were making 120-130k base.

I would accept 100k for VA and did, especially since I knew the raise structure. Will be at 117-119k by the end of this year.

I don't think you could pay me enough to go back to retail at this time, I'm sure I would go back if forced but would seriously consider another career. I would say the absolute minimum retail would be 120k if that was a last resort job. Once you get below that the desire to do something else (finance/real estate/something else I like to learn about) would be to strong.

Luckily my wife and I live below our means and she is also a pharmacist. However, if the market went to crap and we were both jobless we would be in trouble.
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I think there are many people though that wouldn't take a 100k job knowing they can make much more elsewhere. Remember most people joining this field are solely doing it for the money.

Long term pharmacists? Sure they would but I doubt most new grads
 
wagrxm2000 said:
I think there are many people though that wouldn't take a 100k job knowing they can make much more elsewhere. Remember most people joining this field are solely doing it for the money.

Long term pharmacists? Sure they would but I doubt most new grads
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I LOVE being a retail pharmacist. Unfortunately that comes with a price for the retailer. If schools are going to charge 150K PLUS the ridiculous 7.9% compounded interest from the government, you are finishing school with north of 200k loans if you are lucky.

As a previous poster said, we are doomed if we are stooping so low. We earned a doctoral degree. Let’s use it and show our worth! I’m sorry, but I have loans, my wife has loans, we have a mortgage and kids on the way. I’m keeping my 140k+.

Let’s not feel sorry for these big box corporations. They are making a killing through just tax cuts alone! For the amount of liability we hold as a PIC and mental stress we have...$140k is a deal.
 
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I would think 75k is a reasonable number for most new graduates, especially with the saturation
 
King2440 said:
I LOVE being a retail pharmacist. Unfortunately that comes with a price for the retailer. If schools are going to charge 150K PLUS the ridiculous 7.9% compounded interest from the government, you are finishing school with north of 200k loans if you are lucky.

As a previous poster said, we are doomed if we are stooping so low. We earned a doctoral degree. Let’s use it and show our worth! I’m sorry, but I have loans, my wife has loans, we have a mortgage and kids on the way. I’m keeping my 140k+.

Let’s not feel sorry for these big box corporations. They are making a killing through just tax cuts alone! For the amount of liability we hold as a PIC and mental stress we have...$140k is a deal.
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140k base salary, what state?
 
As a soon to be pharmacist graduating this May, I honestly don’t know why anyone who has to pay for college is applying right now. Unless your mom and dad are paying for school it just makes no sense to go to school for 6 years (now becoming 7/8 in most nearby places) just to make 80-110k.

I didn’t come from money and I know I’m entering a saturated field so fingers crossed but my standards are low anyways so any money will be appreciated. I got a high scholarship that paid for 65% of my tuition so with dorming (only two years - kinda regret but amazing experience) will total around 190k around graduation. Smartest move? No, I recognize that but I also fell into the trap of seeing 16% growth on BLS in 2012 when I signed on. If I knew what I knew today I wouldn’t have dormed and only owed 145k. But hindsight is 20/20 and I did have an amazing experience, made tons of friends and stayed in Europe a semester so it’s not all bad.

I’m curious to see what happens. If people are really doing it for the money, finance/engineering can easily land you there in a few years (assuming you’re around average) with less schooling. I can’t see people going to pharmacy school for a 80-90k salary to work at CVS while taking out >250k loans, that just doesn’t make sense. Even from when I started, tuition is now 10k higher a year and scholarships are cut.

I honestly am not sure how this will play out, I’m not doom and gloom and I don’t think pharmacists will be extinct in X amount of years. But I do foresee salaries declining for the meantime which has to lead to closing of pharmacy schools (cause we all know they
arent lowering tuition). I’m going to assume even the less intelligent prospective students aren’t going to school for 6-8 years for a starting salary of 80k and a loan burden of 300k. But we’ll see. For all of our sake, I hope everyone fares okay through the worst of this saturation and who knows what the future will bring. =)
 
TargetCVS95x said:
As a soon to be pharmacist graduating this May, I honestly don’t know why anyone who has to pay for college is applying right now. Unless your mom and dad are paying for school it just makes no sense to go to school for 6 years (now becoming 7/8 in most nearby places) just to make 80-110k.

I didn’t come from money and I know I’m entering a saturated field so fingers crossed but my standards are low anyways so any money will be appreciated. I got a high scholarship that paid for 65% of my tuition so with dorming (only two years - kinda regret but amazing experience) will total around 190k around graduation. Smartest move? No, I recognize that but I also fell into the trap of seeing 16% growth on BLS in 2012 when I signed on. If I knew what I knew today I wouldn’t have dormed and only owed 145k. But hindsight is 20/20 and I did have an amazing experience, made tons of friends and stayed in Europe a semester so it’s not all bad.

I’m curious to see what happens. If people are really doing it for the money, finance/engineering can easily land you there in a few years (assuming you’re around average) with less schooling. I can’t see people going to pharmacy school for a 80-90k salary to work at CVS while taking out >250k loans, that just doesn’t make sense. Even from when I started, tuition is now 10k higher a year and scholarships are cut.

I honestly am not sure how this will play out, I’m not doom and gloom and I don’t think pharmacists will be extinct in X amount of years. But I do foresee salaries declining for the meantime which has to lead to closing of pharmacy schools (cause we all know they
arent lowering tuition). I’m going to assume even the less intelligent prospective students aren’t going to school for 6-8 years for a starting salary of 80k and a loan burden of 300k. But we’ll see. For all of our sake, I hope everyone fares okay through the worst of this saturation and who knows what the future will bring. =)
Click to expand...

Yup, I have friends who are working as linux system admins making $90k starting.
 
Sparda29 said:
Yup, I have friends who are working as linux system admins making $90k starting.
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I know pharmacy techs that became pharmacy systems analysts that make 80k with no college degree. One was into consilting and probably made more than me. That's an excellent return on investment.
 
This field is gold with no student loans. With OT going away and less than 40 hour weeks coming it’s not worth it. Most of us in California are making $150k+ and high end 160k+ just base. Without student loans that is good money, however if you owe 200k+ you’ll be living paycheck to paycheck.
 
For me, it depends on both the position and the location.

I voted 100k but when I think about it, I actually started at a little less than 100k right out of school (and I thought I was living a pretty good life back then, too!).

*Edited to add that this is my opinion in regards to a fairly easy hospital position. No way would I do retail for 100k.
 
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I think it would be helpful to respond indicating staff vs manager for your income comparisons.
 
I’m honestly incredibly curious to see how this plays out, and kind of how all of healthcare plays out in general.

First off, why do these Forbes sites list us as highest paid?! Yes, we do pretty well, but if you’re only after money literally just do anything in finance and you can make WAY more than any healthcare professional. Other STEM fields are pretty lucrative as well if you have the intelligence.

It drives me crazy how people think healthcare employees make too much meanwhile run of the mill finance employees (I live in NYC) are literally making >200-300k for jobs that don’t really benefit the people. Even back and middle office employees in finance that I know are making 70-120k and they legit have such simple jobs (I get it they are necessary and I’m probably being judgemental) and no one complains about them. Meanwhile healthcare people have the highest tuition costs to effin help society and for some reason the public thinks we’re overpaid princesses. How about the public take care of themselves without nurses, doctors and pharmacists and let’s see maybe they will appreciate our value more.

Sorry, kind of went off on a tangent there but that’s something that irks me how we are targeted by the public. Anywho, tuition prices are obviously through the roof and salaries are stagnant and/or decreasing. Pharmacy enrollments are even down - the schools are a huge blame too for 1) opening new schools - I mean people are catching on with decreasing applications. Why in the world are they still opening? 2) accepting lower quality students just to fill seats. Just lower class sizes for God’s sake and find some other field to make money in.

As a side note - I almost died of laughter because my dean (and this is verbatim) said at a career fair “I honestly wonder why the field is so saturated?” I almost had a stroke. Idk, Dean XX maybe stop increasing class sizes and opening new schools jackass. How can academia be so oblivious?

If salaries for FT RPh staff drop below 115k a year for 40h a week or below 130k for PIC then I’d definitely look for work in another field. And part of this isn’t because I don’t think I can live comfortably on those salaries - it’s because I know those reduced salaries will also come with even worse working conditions and understaffing than we already have. If it was cushy and relaxing I wouldn’t mind too much even though obviously I’d MUCH rather steadily rising salaries bc of loans, but I’d deal. For CVS sweatshop working conditions and sub 110k salary, absolutely no way. Not only is it stressful as hell but it risks the lives of the patients that use us - it’s wrong in so many ways.
 
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You really need to take into account where you plan on living and who you will work for. CVS pharmacists love to brag about making 140k or whatever. Who cares...your life sucks and you live in NYC where that goes absolutely no where...you might as well be a school teacher. Now convert that to a more reasonable city and better job at a hospital where you work far fewer hours and make around 115k a year. Cost of living and quality of life is the true determining factor. Not that used Porsche parked out by the red box at CVS for 14 hours a day.
 
Pharmacy seems like a pretty sweet gig from the outside looking in. 4 years after undergrad (what else were you sopposed to do with a worthless Bio degree?) making 120k At 26 years of age. What other profession, besides maybe PA or IT has that kind of money at such a younge age?

In the Midwest or South, 120k/year puts you in a great place.

Tuition seems scary though. I couldn’t imagine paying back 250k+ loans on a 120k/year gross salary. I think PSLF isn’t going to last.

Though you guys think you have it bad, hop over to the Optometry forums. That place is despressing. Multiple ODs cobbling together part time work to make 70k/year.
 
GypsyHummus said:
Pharmacy seems like a pretty sweet gig from the outside looking in. 4 years after undergrad (what else were you sopposed to do with a worthless Bio degree?) making 120k At 26 years of age. What other profession, besides maybe PA or IT has that kind of money at such a younge age?

In the Midwest or South, 120k/year puts you in a great place.

Tuition seems scary though. I couldn’t imagine paying back 250k+ loans on a 120k/year gross salary. I think PSLF isn’t going to last.

Though you guys think you have it bad, hop over to the Optometry forums. That place is despressing. Multiple ODs cobbling together part time work to make 70k/year.
Click to expand...
Yeeeah...think doctor loans without doctor pay. I didnt have them, but most did. And angry people. Not quite as sweet as it sounds. I’m satisfied enough with my current gig right now, but I wouldn’t do it again.
 
TargetCVS95x said:
As a soon to be pharmacist graduating this May, I honestly don’t know why anyone who has to pay for college is applying right now. Unless your mom and dad are paying for school it just makes no sense to go to school for 6 years (now becoming 7/8 in most nearby places) just to make 80-110k.

I didn’t come from money and I know I’m entering a saturated field so fingers crossed but my standards are low anyways so any money will be appreciated. I got a high scholarship that paid for 65% of my tuition so with dorming (only two years - kinda regret but amazing experience) will total around 190k around graduation. Smartest move? No, I recognize that but I also fell into the trap of seeing 16% growth on BLS in 2012 when I signed on. If I knew what I knew today I wouldn’t have dormed and only owed 145k. But hindsight is 20/20 and I did have an amazing experience, made tons of friends and stayed in Europe a semester so it’s not all bad.

I’m curious to see what happens. If people are really doing it for the money, finance/engineering can easily land you there in a few years (assuming you’re around average) with less schooling. I can’t see people going to pharmacy school for a 80-90k salary to work at CVS while taking out >250k loans, that just doesn’t make sense. Even from when I started, tuition is now 10k higher a year and scholarships are cut.

I honestly am not sure how this will play out, I’m not doom and gloom and I don’t think pharmacists will be extinct in X amount of years. But I do foresee salaries declining for the meantime which has to lead to closing of pharmacy schools (cause we all know they
arent lowering tuition). I’m going to assume even the less intelligent prospective students aren’t going to school for 6-8 years for a starting salary of 80k and a loan burden of 300k. But we’ll see. For all of our sake, I hope everyone fares okay through the worst of this saturation and who knows what the future will bring. =)
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Holy cow. How did you get " 190k " in debt if you had a 65% scholarship? 😵
 
pencilandpen said:
I would do it for food
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Does anyone know CVS's pizza party regulations? Or like if you meet certain metrics CVS will give the whole store money to buy a few pizzas? My last Corp. job had a thing where if we went X days without an accident we would all get Steak dinners.
 
TargetCVS95x said:
As a soon to be pharmacist graduating this May, I honestly don’t know why anyone who has to pay for college is applying right now. Unless your mom and dad are paying for school it just makes no sense to go to school for 6 years (now becoming 7/8 in most nearby places) just to make 80-110k.

I didn’t come from money and I know I’m entering a saturated field so fingers crossed but my standards are low anyways so any money will be appreciated. I got a high scholarship that paid for 65% of my tuition so with dorming (only two years - kinda regret but amazing experience) will total around 190k around graduation. Smartest move? No, I recognize that but I also fell into the trap of seeing 16% growth on BLS in 2012 when I signed on. If I knew what I knew today I wouldn’t have dormed and only owed 145k. But hindsight is 20/20 and I did have an amazing experience, made tons of friends and stayed in Europe a semester so it’s not all bad.

I’m curious to see what happens. If people are really doing it for the money, finance/engineering can easily land you there in a few years (assuming you’re around average) with less schooling. I can’t see people going to pharmacy school for a 80-90k salary to work at CVS while taking out >250k loans, that just doesn’t make sense. Even from when I started, tuition is now 10k higher a year and scholarships are cut.

I honestly am not sure how this will play out, I’m not doom and gloom and I don’t think pharmacists will be extinct in X amount of years. But I do foresee salaries declining for the meantime which has to lead to closing of pharmacy schools (cause we all know they
arent lowering tuition). I’m going to assume even the less intelligent prospective students aren’t going to school for 6-8 years for a starting salary of 80k and a loan burden of 300k. But we’ll see. For all of our sake, I hope everyone fares okay through the worst of this saturation and who knows what the future will bring. =)
Click to expand...



"I honestly am not sure how this will play out, I’m not doom and gloom and I don’t think pharmacists will be extinct in X amount of years. But I do foresee salaries declining for the meantime which has to lead to closing of pharmacy schools (cause we all know they
arent lowering tuition). "

Even if pharmacy tuition was 60k a year it would still be paid. Even if it was a 100k a year it would be paid. The reason is because the free market is not supporting these prices. It's the federal government giving out EASY loans to anyone with a pulse. The schools are capitalizing on this easy government money. The week the government stops giving out easy loan money you will see 50% of pharmacy schools close overnight.
 
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Eventually the schools are going to realize that they are shooting themselves in the foot. When I started looking at pharmacy school the in state tuition was 19,000/year. I got in a year later and it was already 21k. By the time I graduated I think it was like 25k for f-ing in state. Im sure the schools love slapping a graduate or doctor degree label on anything they can....instantly doubles tuition. I will never in a million years donate a f-ing dime to my school.
 
GypsyHummus said:
Pharmacy seems like a pretty sweet gig from the outside looking in. 4 years after undergrad (what else were you sopposed to do with a worthless Bio degree?) making 120k At 26 years of age. What other profession, besides maybe PA or IT has that kind of money at such a younge age?

In the Midwest or South, 120k/year puts you in a great place.

Tuition seems scary though. I couldn’t imagine paying back 250k+ loans on a 120k/year gross salary. I think PSLF isn’t going to last.

Though you guys think you have it bad, hop over to the Optometry forums. That place is despressing. Multiple ODs cobbling together part time work to make 70k/year.
Click to expand...
BSN in nursing....2 years on an ICU unit then CRNA school for 2 years...150k starting. Best thing out there
 
jjcayce123 said:
Eventually the schools are going to realize that they are shooting themselves in the foot. When I started looking at pharmacy school the in state tuition was 19,000/year. I got in a year later and it was already 21k. By the time I graduated I think it was like 25k for f-ing in state. Im sure the schools love slapping a graduate or doctor degree label on anything they can....instantly doubles tuition. I will never in a million years donate a f-ing dime to my school.
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How are they shooting themselves in the foot? They can literally ask for any amount for tuition and get it. Any donation you would have given them is peanuts compared to the millions of dollars they are flecing from the government every year in student loans that will never be fully repaid. The kicker is that the FED doesn't even care because the Fed is the one paying the bill with borrowed Chinese money and newly printed money. The whole system is a complete joke. Our bankrupt *****ic federal government has been running a deficit for decades on borrowed money. They used the borrowed and printed out of thin air money (quantitative easing) to give loans to pharmacy students and pay for overpriced bad housing loans. It's like a game of musical chairs, you can only push the 2007 collapse down the road so far before you have to actually deal with what happened. Have you noticed in the last 30 years that everything you buy is made in China? Do you realize that the Chinese have been buying major US assets such as large corporations and US farm land? The US doesn't manufacturer virtually anything anymore. This is a dying country living off the corpse of saved boomer money.

There is a quote from The McGraw-Hill Reader: Issues Across the Disciplines 12th Edition about the gloomy future of healthcare that I would like to quote but I had to sell my copy to buy 3 50 pound bags of rice last year so if anyone has a copy please private message me.

Eventually there will a complete system collapse. That is why it doesn't make sense to me to pay off your loans early or have a 401k. The government will collapse in the next 10-20 years and all the numbers in your bank account will become meaningless. Any money you do have I would use to buy semi-liquid assets such as new farm tractors and other farming equipment that will be in high demand with a yugoslavia-type multi-ethnic nation collapse.
 
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Modest_anteater said:
Does anyone know CVS's pizza party regulations? Or like if you meet certain metrics CVS will give the whole store money to buy a few pizzas? My last Corp. job had a thing where if we went X days without an accident we would all get Steak dinners.
Click to expand...

When I was an intern, our district supervisor told us there was only one discount card we could use. The discount card rep would call us about once a week and order us pizza if we were using the card. I kind of wonder if he had worked out some sort of "arrangement" with the attractive young rep girl.
 
PharBeyondDriven said:
When I was an intern, our district supervisor told us there was only one discount card we could use. The discount card rep would call us about once a week and order us pizza if we were using the card. I kind of wonder if he had worked out some sort of "arrangement" with the attractive young rep girl.
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Wow this sounds amazing. When I was in the foster care system in my youth we would only get pizza once a month and it was like a giant delicacy. One of the main things I'm looking forward to as a pharmacist is getting to enjoy eating pizza with other people. I ordered a pizza last week but it wasn't the same eating it alone in the park. It's lonely and doesn't taste as good. The comradeship really adds a lot to the taste of the pizza.

I'm sure her company's profits from the card more than paid for the pizza.
 
I'll take 115K at my hospital. Retail is the end of the road
 
Modest_anteater said:
How are they shooting themselves in the foot? They can literally ask for any amount for tuition and get it. Any donation you would have given them is peanuts compared to the millions of dollars they are flecing from the government every year in student loans that will never be fully repaid. The kicker is that the FED doesn't even care because the Fed is the one paying the bill with borrowed Chinese money and newly printed money. The whole system is a complete joke. Our bankrupt *****ic federal government has been running a deficit for decades on borrowed money. They used the borrowed and printed out of thin air money (quantitative easing) to give loans to pharmacy students and pay for overpriced bad housing loans. It's like a game of musical chairs, you can only push the 2007 collapse down the road so far before you have to actually deal with what happened. Have you noticed in the last 30 years that everything you buy is made in China? Do you realize that the Chinese have been buying major US assets such as large corporations and US farm land? The US doesn't manufacturer virtually anything anymore. This is a dying country living off the corpse of saved boomer money.

There is a quote from The McGraw-Hill Reader: Issues Across the Disciplines 12th Edition about the gloomy future of healthcare that I would like to quote but I had to sell my copy to buy 3 50 pound bags of rice last year so if anyone has a copy please private message me.

Eventually there will a complete system collapse. That is why it doesn't make sense to me to pay off your loans early or have a 401k. The government will collapse in the next 10-20 years and all the numbers in your bank account will become meaningless. Any money you do have I would use to buy semi-liquid assets such as new farm tractors and other farming equipment that will be in high demand with a yugoslavia-type multi-ethnic nation collapse.
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you might be a good one for doomsday preppers b/c you are flat out crazy
 
Modest_anteater said:
How are they shooting themselves in the foot? They can literally ask for any amount for tuition and get it. Any donation you would have given them is peanuts compared to the millions of dollars they are flecing from the government every year in student loans that will never be fully repaid. The kicker is that the FED doesn't even care because the Fed is the one paying the bill with borrowed Chinese money and newly printed money. The whole system is a complete joke. Our bankrupt *****ic federal government has been running a deficit for decades on borrowed money. They used the borrowed and printed out of thin air money (quantitative easing) to give loans to pharmacy students and pay for overpriced bad housing loans. It's like a game of musical chairs, you can only push the 2007 collapse down the road so far before you have to actually deal with what happened. Have you noticed in the last 30 years that everything you buy is made in China? Do you realize that the Chinese have been buying major US assets such as large corporations and US farm land? The US doesn't manufacturer virtually anything anymore. This is a dying country living off the corpse of saved boomer money.

There is a quote from The McGraw-Hill Reader: Issues Across the Disciplines 12th Edition about the gloomy future of healthcare that I would like to quote but I had to sell my copy to buy 3 50 pound bags of rice last year so if anyone has a copy please private message me.

Eventually there will a complete system collapse. That is why it doesn't make sense to me to pay off your loans early or have a 401k. The government will collapse in the next 10-20 years and all the numbers in your bank account will become meaningless. Any money you do have I would use to buy semi-liquid assets such as new farm tractors and other farming equipment that will be in high demand with a yugoslavia-type multi-ethnic nation collapse.
Click to expand...

You think Amazon will collapse in the next 10-20 years?
 
Sigh....
 
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