Would you do this if you were me?

[Traxy]

---

Members do not see this ad.

If you were 36 with no student loan debt in an IT job that paid 75K with only 50K left on your mortgage, would you take on the massive debt it takes to become a dentist?

If your job was interesting and stable, but not particularly challenging (I have at least one 8hr shift per week with absolutely nothing to do), would you take that risk?

I'm reading stories of people who can't afford their student loan payments and my life is fairly comfortable right now, financially speaking. I just have that part of me that still really wants to be a dentist and I don't know how to reconcile this dreams vs debt conundrum.

 

[321931]

You tell me if it makes sense:
1) Debt from dental school ranges from 300-500k at 7% interest
2) To have the "lifestyle" of a dentist- you have to pretty much own your practice- startups cost 300-500k. Buying an established practice can cost upwards from 500-1 mil+. You can do a semi-startup and start with one chair and work your way up for cheaper- but you won't be getting any money for a few years- and even then- you aren't guaranteed to make any money at all.
3)You are past your prime. You graduate at 40, it takes about 1-3 years to get up to speed, so you are mid 40's before you get comfortable with doing dentistry day in and day out. So you do a semi-startup/startup and go more in debt, and maybe by 45-50 you are cash flow positive but you still have a huge bank note to payoff. Maybe you buy a good practice- a good practice can cash flow well and pay off loans in 10 years- so you are 55 by then. On top of all that- you might have 10 more years left in you before your back starts to hurt, hands need surgery whatever. It's called getting old. One hand surgery and or back surgery and your life and comfort in dentistry changes forever. You are not in your prime producing years 30-40. You will be 45-55.

I'm not being negative in a sense, but a realist. You see the 32 hour work week, and the money that comes with it...but what you don't see is the debt that is piled on, and the amount of risk that is taken to get there. Most people take on that risk when they are 28..29...30. And they pay off that risk by the time they are 40. So in your 40's debt free, making 300+ with equity to boot, 32 hours a week lifestyle whatever...and people think hey man dentists have it good.

You are already a decade and half behind.

It will be a tough run for you. But if you are up for it. Go for it!

 

[2TH MVR]

Not unless you can get into a reasonably priced DS. As is .... You'll be in your 50's paying student loan debt along with practice debt possibly. Believe me when I tell you that work motivation tends to decline in your 50's. I'm there now. BECAUSE I CAN I work PT now and enjoy the rest of the week. You're situation will be working hard just to pay off your debt ..... In your 50's. 😱

 

[Saddleshoes]

The grass is always greener...

(Some times the grass is greener because it is fertilized with a ton of Bu!! $hit.)

 

[The REAL Doc McStuffins]

If you were 36 with no student loan debt in an IT job that paid 75K with only 50K left on your mortgage, would you take on the massive debt it takes to become a dentist?

If your job was interesting and stable, but not particularly challenging (I have at least one 8hr shift per week with absolutely nothing to do), would you take that risk?

I'm reading stories of people who can't afford their student loan payments and my life is fairly comfortable right now, financially speaking. I just have that part of me that still really wants to be a dentist and I don't know how to reconcile this dreams vs debt conundrum.

I wouldn’t attempt it until you’ve paid off your mortgage... is dentistry your passion?

 

[questionasker1071]

If you’re bored start a side gig. Learn how to trade stock options. Don’t go to school more. Refinance your house and pull the money out to buy some investment properties

 

[DDS4lifeeee]

I'm in a similar situation. I'm a tad younger, 28, but I work for my my father-in-law making about $150k at a technology company in sales. I'm debt free besides a mortgage. Dental tuition would set me back $315k. We live pretty comfortable as well but since my dental acceptance I have had trouble justifying the drastic lifestyle change to pursue dental. There's a big part of me that wants to be a dentist to fulfill that dream I have had for a while but moving to another state with my wife and 2 year old for 4 years on top of the debt seems crazy sometimes.

I speak to a lot of dentists, half of them say it's still everything that is cracked up to be and the other half talk of things like saturation, too much debt etc. Any advice and other outlooks would be helpful!

 

[Blueshirts]

One of the understated perks of dentistry is the ability to work nearly anywhere in the country, for lots of careers this is very difficult. If the debt load is low enough after school, dentistry is one of the few gateways to more autonomy. Not sure if this is also a big deciding factor for OP and his career aspirations, but like i said, it does play a long term role.

 

[321931]

I'm in a similar situation. I'm a tad younger, 28, but I work for my my father-in-law making about $150k at a technology company in sales. I'm debt free besides a mortgage. Dental tuition would set me back $315k. We live pretty comfortable as well but since my dental acceptance I have had trouble justifying the drastic lifestyle change to pursue dental. There's a big part of me that wants to be a dentist to fulfill that dream I have had for a while but moving to another state with my wife and 2 year old for 4 years on top of the debt seems crazy sometimes.

I speak to a lot of dentists, half of them say it's still everything that is cracked up to be and the other half talk of things like saturation, too much debt etc. Any advice and other outlooks would be helpful!

150k...at 28?

You do know the average noob dentist makes like 150k as an associate.

If they go and buy a practice- it might set them back 500-1mil but the cash flow would be around 250-300k+

If you do a start-up- it might set you back 300-500k, and there would be no guarantee of cash flow- meaning you could be deeper in debt with zero income coming in.

On top of that you have a wife and 2 year old. What is the big "dream" about? Dude its a job. Half of the patients hate coming to the dentist hint- it's a thankless job. Another quarter hate PAYING for the dentist. Another quarter just comes and sees you not because they like you...but rather cuz you take their insurance and if you drop that insurance because it pays crappy- they will leave you in a heartbeat. You aren't going to be changing peoples lives by fixing their broken crown. You aren't going to be doing smile makeovers. And even if you do- they are the hardest segment of people to work on- that you will cry and run back to wishing you did single unit crowns on patients who just say "do you take my insurance." There is no more loyalty like the good old days.

There is also ZERO...read that....ZERO...trend positive towards the upside in this field. Insurance reimbursements are getting squeezed. Dentistry has not kept up with inflation. PPO maximums are still the same from the 1970s. Midlevel providers and more and more new graduates are being pumped out from dental schools. Corporations are becoming more of the norm- and yes solo practice is dying. Aka more intense competition across the board. And even though this is a sour point that may go off topic, but there is a movement to get universal healthcare and or an expanded medicare/caid program in America. You are dependent 100% on today's insurance plans, and they are slowly becoming dinosaurs with the way the politicians want to make everything universal. But wait you will be different and be the Fee-for-service dentist that will be unaffected. Newsflash- noone is going to pay 1000$ out of pocket for a crown when they can sign up with some plan and pay 100$.

I don't think dentistry is a bad job. It's good, but I would NOT leave a decent debt free career for dentistry. If I was new grad, and applying to schools...sure go for it. But established person in life with a decent job...crazy.

 

[DDS4lifeeee]

150k...at 28?

You do know the average noob dentist makes like 150k as an associate.

If they go and buy a practice- it might set them back 500-1mil but the cash flow would be around 250-300k+

If you do a start-up- it might set you back 300-500k, and there would be no guarantee of cash flow- meaning you could be deeper in debt with zero income coming in.

On top of that you have a wife and 2 year old. What is the big "dream" about? Dude its a job. Half of the patients hate coming to the dentist hint- it's a thankless job. Another quarter hate PAYING for the dentist. Another quarter just comes and sees you not because they like you...but rather cuz you take their insurance and if you drop that insurance because it pays crappy- they will leave you in a heartbeat. You aren't going to be changing peoples lives by fixing their broken crown. You aren't going to be doing smile makeovers. And even if you do- they are the hardest segment of people to work on- that you will cry and run back to wishing you did single unit crowns on patients who just say "do you take my insurance." There is no more loyalty like the good old days.

There is also ZERO...read that....ZERO...trend positive towards the upside in this field. Insurance reimbursements are getting squeezed. Dentistry has not kept up with inflation. PPO maximums are still the same from the 1970s. Midlevel providers and more and more new graduates are being pumped out from dental schools. Corporations are becoming more of the norm- and yes solo practice is dying. Aka more intense competition across the board. And even though this is a sour point that may go off topic, but there is a movement to get universal healthcare and or an expanded medicare/caid program in America. You are dependent 100% on today's insurance plans, and they are slowly becoming dinosaurs with the way the politicians want to make everything universal. But wait you will be different and be the Fee-for-service dentist that will be unaffected. Newsflash- noone is going to pay 1000$ out of pocket for a crown when they can sign up with some plan and pay 100$.

I don't think dentistry is a bad job. It's good, but I would NOT leave a decent debt free career for dentistry. If I was new grad, and applying to schools...sure go for it. But established person in life with a decent job...crazy.

Hey Rainee, I really appreciate you taking the time for such a well rounded response. Many of your points validate my concerns about dentistry pretty spot on. I have been following and researching the dental industry, where it's come from and where it's leading to for a few years (took me 3 application cycles to get accepted to dental school) and I agree with everything you're saying. I believe I will be successful at whatever I choose to do but I just feel like the debt and direction of the industry is too discouraging for me to make the move.

I hope your situation begins to improve Rainee, mad respect to all dentists out there. Sad to see dentistry moving in the direction it's going

 

[TanMan]

If you were 36 with no student loan debt in an IT job that paid 75K with only 50K left on your mortgage, would you take on the massive debt it takes to become a dentist?

If your job was interesting and stable, but not particularly challenging (I have at least one 8hr shift per week with absolutely nothing to do), would you take that risk?

I'm reading stories of people who can't afford their student loan payments and my life is fairly comfortable right now, financially speaking. I just have that part of me that still really wants to be a dentist and I don't know how to reconcile this dreams vs debt conundrum.

Do you have any upward mobility in your IT job? Do you have a pension or retirement from your employer? I think you have to see your life circumstances and whether you are content in your financial position. If you're happy making 75k/year and the lifestyle it affords, then continue what you're doing. However, I tend to look at it from a present value to future value type of proposition.

If you have no chance of rising up from 75k/year and little retirement benefits, then I'd definitely consider either getting a new IT job that pays more or dentistry. If you have a high chance of going up the ladder from 75k/year and/or generous retirement benefits that you can claim early, then consider staying. Look at where you're at, where you could be at in your current job and look at the potential gain from dentistry.

 

[Cold Front]

moving to another state with my wife and 2 year old for 4 years on top of the debt seems crazy sometimes.

I was 28 when I went to d school and I graduated at 32. Majority of people in my class who were between age 19-21 had “STRAIGHT OUTTA HIGH SCHOOL” personalities. I couldn’t relate and only a handful were in their late 20’s and couple in their 30’s. There was 1 guy who was in his late 40’s. He was married and had couple of teenagers. Everyone in my class thought he would enter the profession too late at his early 50’s. This was almost a decade ago, and he is probably turning age 60 any year now. I don’t know his finances, or if he paid off his $300k student loans (with all those mouths to feed at home when he was a student) already, or if he took out more loans to buy a practice, or saved enough for retirement, or had savings to cover all these big expenses before dental school. Ask any dentist today at age 60, and I’m sure almost all are in their final years - I personally don’t want to work beyond age 60. So don’t underestimate the balance between life, your age and finances - specially in today’s economic environment with high student loans, higher inflation and more effort needed to practice dentistry as you would hope.

 

[Cold Front]

You graduate at 40, it takes about 1-3 years to get up to speed, so you are mid 40's before you get comfortable with doing dentistry day in and day out.

I was advising a former associate and a friend about this recently. He is going back to school to do Endo residency this fall. He is married with a 2 yr old and expecting another baby in few months. He is in his mid-30’s now, will be close to 40 when he becomes an Endodontist - with $250-300k in residency program debt plus existing dental school debt. He plans to move to another state after he finishes his program, and like you said, it will take 1-3 years to polish his speed. He plans to buy a home and cars, put his kids through college (he will be close to 60 by then) and save for retirement - all in the span of 20 years. Time flies even faster as we get older, with more curve balls. I don’t want to sound pessimistic, but majority of dentists underestimate time and the financial burdens towards their personal goals.

 

[321931]

Hey Rainee, I really appreciate you taking the time for such a well rounded response. Many of your points validate my concerns about dentistry pretty spot on. I have been following and researching the dental industry, where it's come from and where it's leading to for a few years (took me 3 application cycles to get accepted to dental school) and I agree with everything you're saying. I believe I will be successful at whatever I choose to do but I just feel like the debt and direction of the industry is too discouraging for me to make the move.

I hope your situation begins to improve Rainee, mad respect to all dentists out there. Sad to see dentistry moving in the direction it's going

Fair enough. I am doing excellent in dentistry. I couldn’t ask for a better job and I actively encourage entrepreneurship and all that dentistry offers. But I'm also realistic enough to say wow. no. stop. bad decision going into dentistry.

I was advising a former associate and a friend about this recently. He is going back to school to do Endo residency this fall. He is married with a 2 yr old and expecting another baby in few months. He is in his mid-30’s now, will be close to 40 when he becomes an Endodontist - with $250-300k in residency program debt plus existing dental school debt. He plans to move to another state after he finishes his program, and like you said, it will take 1-3 years to polish his speed. He plans to buy a home and cars, put his kids through college (he will be close to 60 by then) and save for retirement - all in the span of 20 years. Time flies even faster as we get older, with more curve balls. I don’t want to sound pessimistic, but majority of dentists underestimate time and the financial burdens towards their personal goals.

Craziness. He could take some Endo CE, open a practice/buy an existing practice, and by year 5 have half paid off with equity to boot. Year 10 if done right sell off the practice and be comfortable working part time and spending time with his kids and have a decent nest egg.

Instead he goes more into debt for 2-3 years on top of an additional 1-3 years "getting up to speed" work time working as a corporate drone. Then he most likely has to do a startup in endo which can be extremely costly- then market- then build referall base- which all might take time... and then yeah in his 60's be done with everything if everything works out. And theres no guarantee of that.

Dentists just arent good with financials. Take some CE, get your endo fix, and implement it in your practice. Done deal and way cheaper.

 

[2TH MVR]

I don’t want to sound pessimistic, but majority of dentists underestimate time and the financial burdens towards their personal goals.

THIS X100!!!!!
Look. I've done better financially than most of my GP buddies. I could have done even better had I not spent lavishly on some material things, but ...... I ENJOYED those things: vacation homes, nice sports cars, etc. etc. Those are memories with my children and wife that cannot be replaced. I wouldn't have changed anything.

But .... when you're young and start to make some decent $$$ ....you get into this mind set that you have plenty of time to save and plan for future expenses. I know I did. I thought the gravy train would keep on rolling. It doesn't. Things happen. Kids are expensive. College is expensive (PS. Start a 529 college saving's plan ASAP). Cars for the teenagers. Insurance premiums. My 1st kid wrecked her car the 1st year she had it. Home expenses. We're upgrading our home now. This costs losts of $$$$$. My oldest daughter is getting married in a year. I estimate wedding expenses to be between $50,000 to 80,000. Contributing to your retirement fund (I'm at 20% of my paychecks). Unexpected health and medical expenses. My dog was bite by a rattlesnake last month which cost $1500. Next year my little Alfa 4C sportscar will require a chassis bolt tightening maintenance procedure @ around $1500. Window tinting around $500. My pool needs a fancy new pump at $1500. The list just goes on and on and on. IT NEVER ENDS.

I haven't even brought up all the expenses of owning your practice. Initially .... if you own your practice .... most of your $$$ will be invested back into your practice (new equipment, new up-to-date computers, etc. etc.).

You've got a short period of time to make bank. It goes fast. And life is always surprising you with un-expected expenses.

 

[321931]

THIS X100!!!!!
Look. I've done better financially than most of my GP buddies. I could have done even better had I not spent lavishly on some material things, but ...... I ENJOYED those things: vacation homes, nice sports cars, etc. etc. Those are memories with my children and wife that cannot be replaced. I wouldn't have changed anything.

But .... when you're young and start to make some decent $$$ ....you get into this mind set that you have plenty of time to save and plan for future expenses. I know I did. I thought the gravy train would keep on rolling. It doesn't. Things happen. Kids are expensive. College is expensive (PS. Start a 529 college saving's plan ASAP). Cars for the teenagers. Insurance premiums. My 1st kid wrecked her car the 1st year she had it. Home expenses. We're upgrading our home now. This costs losts of $$$$$. My oldest daughter is getting married in a year. I estimate wedding expenses to be between $50,000 to 80,000. Contributing to your retirement fund (I'm at 20% of my paychecks). Unexpected health and medical expenses. My dog was bite by a rattlesnake last month which cost $1500. Next year my little Alfa 4C sportscar will require a chassis bolt tightening maintenance procedure @ around $1500. Window tinting around $500. My pool needs a fancy new pump at $1500. The list just goes on and on and on. IT NEVER ENDS.

I haven't even brought up all the expenses of owning your practice. Initially .... if you own your practice .... most of your $$$ will be invested back into your practice (new equipment, new up-to-date computers, etc. etc.).

You've got a short period of time to make bank. It goes fast. And life is always surprising you with un-expected expenses.

I'm crying this month. Xray sensor broke 3000$ replacement, ordered new electric highspeed cuz we down one 1000$, Cavitron also went down 3500$, TWO yes TWO printers done for 1000$ with IT support 500$, my loupe light broke 400$.

This month I'm not taking a paycheck.

Also I have a 75000 renovation coming up in September. I don't think I will pay myself this summer. Lol. Oh well. That's life owning a business. Still making more then associating though. But yes when it rains- it pours.

 

[Cold Front]

Instead he goes more into debt for 2-3 years on top of an additional 1-3 years "getting up to speed" work time working as a corporate drone. Then he most likely has to do a startup in endo which can be extremely costly- then market- then build referall base- which all might take time... and then yeah in his 60's be done with everything if everything works out. And theres no guarantee of that.

He is hinging on the idea of working for a “corporate” office(s) and make 40-45% cut on each Endo case. Fees vary from state to state; Massachusetts or the Northeast has the highest Endo fees in the country, about $1,600 for molar Endo, but most states charge closer to $1,100 for molar Endo. The maths showed that he would make $250-300k a year first few years out of school, if he sees 3 cases a day. The problem with that is, he will not have any control of the Corporate office Endo fees, and insurances will not increase reimbursements in the future - if anything they might decrease it. He was against the idea of buying or building an Endo office from scratch, because that will just dig him deeper into debt.

 

[Cold Front]

THIS X100!!!!!

You've got a short period of time to make bank. It goes fast. And life is always surprising you with un-expected expenses.

One has to walk the walk to understand it. I don’t think any young dentist will ever understand it from that perspective. As the saying goes - “you are not old enough until you start to have regrets”. What we as older dentists experienced and understand will be difficult to convey, because younger docs always feel they will never end up be in your shoes (have a daughter that will wreck her car, pet issues, and home renovations, etc). The reality is, we all have finite time for our bodies to work at an optimum level, to help our families while we still can, and deal with life challenges while we still can afford to face it. Many believe they have full control over every aspect of their lives - but that’s easier said than done and is almost always not true, specially when you are married with kids and have no other sources of income other than your main trade - using your hands to do dentistry.

 

[321931]

One has to walk the walk to understand it. I don’t think any young dentist will ever understand it from that perspective. As the saying goes - “you are not old enough until you start to have regrets”. What we as older dentists experienced and understand will be difficult to convey, because younger docs always feel they will never end up be in your shoes (have a daughter that will wreck her car, pet issues, and home renovations, etc). The reality is, we all have finite time for our bodies to work at an optimum level, to help our families while we still can, and deal with life challenges while we still can afford to face it. Many believe they have full control over every aspect of their lives - but that’s easier said than done and is almost always not true, specially when you are married with kids and have no other sources of income other than your main trade - using your hands to do dentistry.

Living to large on expenses, paying the minimum into your loans, over-leveraging yourself into an expensive house/car and thinking it's OK I will pay it off because I'm a doctor....

Will not end up well when you get an early diagnosis of cancer, back surgery, hand surgery, or just general unforeseen life problems. Biggest piece of advice is to hit the ground running and get your financial goals in order in a realistic way. You most likely won't be a dentist with 10 practices sitting on a yacht while associates work for you, but it is realistic to buy/start-up a practice, be profitable enough that in 10 years you can walk away if needed. That's realistic.

When you are in young late 20's and early 30's work hard so that you can pivot into your 40's.

 

[charlestweed]

My dental school roommate (also my classmate) gave up his well paid engineer job to attend dental school at 36. He did very well in dental school and got accepted to an endo program straight out of school. The endo program paid him $8k/year but charged him $10k in tuition so the net tuition was $2k/year. With the $$$ he saved from his engineering job, he only owed around $30k in student loan. One year after endo residency, he bought a very nice house in Irvine, CA and furnished it with expensive Ethan Allen furniture. While I was drooling at his beautiful home, he told me “Charlestweed, I am 14 years older than you. You will have a much bigger house when you reach my age.” He doesn’t own a practice. His main job is at a heavily HMO endo practice in Pasadena. To avoid the traffic, he takes a train to work. He also works P/T at a few other GP offices. He really loves his job and kept telling me that he’s glad that he doesn’t have to do general dentistry. He got even richer when he later married a general dentist. Since the couple has no kid, they travel a lot (2-3 times a year) to Vietnam for vacationing and also to do charity work at the orphanages.

My roommate was not the oldest student in my class. Another classmate of mine, who also gave up his engineer job to attend dental school at 40. That’s because he knew he would be laid off in a few years. He then went on to do ortho residency for another 2 years….and he did this while raising his 2 teenage kids. His wife worked and helped him a lot. The last time I spoke with him was about a year and a half ago when he tried to sell his practice to me. He is retired now. He was also very happy with his decision.

I think it was a lot easier to make the decision to go back to school…and to specialize afterward 15-20 years ago because the dental school tuitions weren’t as high as they are right now. UCLA only charged $8k/year when I was there....and with room and board and other fees, one only needed to borrow $60-70k in student loan. USC only charged $25k/year. The starting salary for general dentist, however, was only $70k/year (versus $120k/year now)…..and orthodontist only got paid $750-800/day (versus $1200+/day now).

 

[Cold Front]

My dental school roommate (also my classmate) gave up his well paid engineer job to attend dental school at 36.

Another classmate of mine, who also gave up his engineer job to attend dental school at 40.

I don’t think you will see people over age 40 going back to school in the future under these high tuition and fees environment. No one will go back to school to be $600k-900k in the hole with a specialty and end up at a corporate gig, or getting themselves into more debt to open or buy $200-400k practice. Those ROI numbers are incomprehensible. Would you? Those days are gone IMO.

Time is money and waits on no one.. Best to get into dental school before age 30 and have a good and soft landing to retirement. It could someday be “get into dental school before 25 or die trying to pay off your loans” if the current trajectory of high student loans persists.

 

[DrJeff]

I don’t think you will see people over age 40 going back to school in the future under these high tuition and fees environment. No one will go back to school to be $600k-900k in the hole with a specialty and end up at a corporate gig, or getting themselves into more debt to open or buy $200-400k practice. Those ROI numbers are incomprehensible. Would you? Those days are gone IMO.

Time is money and waits on no one.. Best to get into dental school before age 30 and have a good and soft landing to retirement. It could someday be “get into dental school before 25 or die trying to pay off your loans” if the current trajectory of high student loans persists.

Agree with this in today's world for sure....

I would say that unless they're in some situation where they're going to graduate with little to no debt (and didn't exhaust the majority of their life savings in the process) one has to seriously consider the financial prudence of matriculating into any dental school past the age of 30, especially if they want to retire in their 60's (or before) and/or will have kids matriculating into college when as a parent, they'd be say less than 10 years out of dental school.

Add in the simple fact that how the "business of dentistry" is conducted today is changing at a rapid pace and that there may very well be an even bigger change in the next decade or so (and the 2020 elections could have a major impact on this for sure), and while still a very solid career, dentistry isn't as easy a path to great financial rewards as "easily" as it was 10 or more years ago

 

[TanMan]

At my school (a state school), the endo program charges $20k a semester for 7 semesters... so about $140k in total. Factor in cost of living in a big city, one would be looking at $180-200k debt just from residency. I know a current Endo resident who is 40 and he owned his general dentistry practice for over 10 years before going back to school for residency. He's married with 2 young kids. He told us that his small rural town currently has no endodontist so he's planning to return there and open up an endo practice after graduation. Assuming that he has already paid off his dental school debt, with $200k debt from residency I can still see a lucrative Endo career for him, right? Especially when endodontist owners can potentially make 400k a year?

What did they do with their GP practice? Does he/she have an associate working for him/her while he's a resident? Also, if he/she was known as a competing GP for the longest time in that town, would other GP's in that town be weary of referring to him/her due to his longstanding position as a GP? Those are questions you would have to ask. Also, this assumes that no one does endo in that small town. What if no one did endo in that town, then 1 or 2 gp's go into town doing endo and everything else. In smaller populations, provider ratios dilute significantly faster than in larger suburban towns.

If they did keep their GP practice, there's a good chance he won't get referrals from GP's afraid that he would take their patients even IF he was the only endo in town, unless he/she is that cool with them.

Edited due to inconsistency in gender pronouns.

 

[redhotchiligochu]

If you’re bored start a side gig. Learn how to trade stock options. Don’t go to school more. Refinance your house and pull the money out to buy some investment properties

Personally, I prefer 3x ETF’s. You can make a killing off of OTM puts/calls but most noobs end up losing more than they’ve deposited. Countless examples on Reddit of those using Robinhood to trade options and losing spectacularly.


To OP: focus on investing and maxing out your 401k, and maybe retiring early.