- Joined
- Mar 27, 2008
- Messages
- 425
- Reaction score
- 16
PGY3 here. I've never owned a car. I made it through thus far by taking the bus, train, and ocassionally borrowing a family members car for months where I have to commute.
~$230k in student loans. My residency salary is ~$56k. I pay low rent, put some money away in savings, live frugally, not married no children, and pay for life, health and disability insurance, and pay monthly student loans. I contribute what I can to a Roth IRA, but haven't really maxed it out yet. When alls said and done, end of the month I probably have ~$1000 in my debit account, and have about ~$14k in savings. Hoping to pick up some moonlighting shifts starting 2nd half of PGY3.
I'm sure I could afford and old beater, and the sensible part of me recommends it. But theres definitely a devil on my shoulder telling me to treat myself to a nice sports car...like$40k+, pay what I can now with salary+ moonlighting shifts then ramp up payments as I become an attending.
Talk some sense into me please.
~$230k in student loans. My residency salary is ~$56k. I pay low rent, put some money away in savings, live frugally, not married no children, and pay for life, health and disability insurance, and pay monthly student loans. I contribute what I can to a Roth IRA, but haven't really maxed it out yet. When alls said and done, end of the month I probably have ~$1000 in my debit account, and have about ~$14k in savings. Hoping to pick up some moonlighting shifts starting 2nd half of PGY3.
I'm sure I could afford and old beater, and the sensible part of me recommends it. But theres definitely a devil on my shoulder telling me to treat myself to a nice sports car...like$40k+, pay what I can now with salary+ moonlighting shifts then ramp up payments as I become an attending.
Talk some sense into me please.