Interestingly I found myself really relating to ur post. and I'll try not to turn this reply into a Dr.Phil session... 😛
I was drawn to endo during my first yr's practice in the military, but I was very fortunate to quickly discover omfs is what I wanna do. While I'm waiting to apply for omfs when my svcs obligation ends, I know by the time I'm done residency and fellowship, I'll be in my early 40's.... But front ur post, I feel that omfs really is appealing to u...(I would go as far as to say that being ur calling, but I don't know u enuff to make that statement) That said, if that's the case, I seriously think u should do it. Now obviously, opportunity cost and so on is very true, so u gotta weight out if ur passion is worth that lost 1-3 millions of income u would of generated.
I had to make similar choice! If I do omfs with the military or just stay as gp, then I get paid over 4 yrs which is worth more than a mil (taking account of the pension as well), but if I do it on my own, I miss out on the 6 yrs of salary plus I gotta pay 2 yrs of med school without salary (most programs at least)... The opportunity cost and potential expense amounts to more than 1.5 mil.
But I still choose to do it, because I know I'll regret it everyday knowing I have got the passion and the potential to do more! I think there's no worse feeling than knowing that u could of been all u can be when ur stuck on something u may have less passion about but probably still very good at.
And really, opportunity cost is nothing if u have the next fifteen or more yrs of time to do something u truly enjoy! That's how I see it 🙂 that's what I told myself and keep telling myself everyday when I know a younger military colleague of mine got selected for omfs or a younger dental school lower yr who got into omfs. I could look past that because I know this is what I want, and I will get it regardless of how old I'll be when I'm done. And truth be told, we have military surgeons going thru omfs in their late 30s and graduated in early 40's... So it's completely doable! And no, ur not crazy to think about it at all! Plus, when ur rocking some surgical procedures and also do some private practice stuffs (u gotta do those to keep up ur cash flow, that's how it is), I will assume ur still gonna do very well.... So over a span of say 20 yrs of career, u will probably generate 10 if not 20 millions... What is the lost 3 mil then? I don't know about u... But when I realized I will never be able to afford a luxury yacht for the life of me even if I make 1 mil an year like some of my local omfs do, I simply tell myself I will strive for a comfy life, that's all 🙂
Now having a family is a different discussion. I'm fortunate enough to have started a family and have a little cute 10 months old right now... So if I had to do it again, I'll probably still choose starting a family first over finishing residency. But that's me.... And really, while it will be tough (very tough to be exact) nowhere does it say that u can't start a family during residency if u really want.... Is it ideal? No, but again, at ur current state, there may not be much IDEAL solutions left....
But I truly believe all things happen in our life for a reason, this residency trg of urs right now must have brought much experiences that u wouldn't have otherwise obtained... So I'd embrace it and go ahead on to meet ur passion/dream...well, I'm trying to do that myself, and I would love to see someone sharing he same vision 🙂
Just my 0.02, crap, did I over type again?
Good luck! And keep us posted on what decision u make!