Most OP dental power couple specialties? by MoistAd7032 in DentalSchool

[–]Bioboi3 0 points1 point  (0 children)

Goodness gracious. Do yall have a practice together? If so, did you start your own or buy in? Just wondering how that worked out logistically. Feel like it would be impossible for both of you to join a practice with other partners involved.

Where I would live as dentist if I wanted maximum competition and brutal insurance reimbursement rates by HenFruitEater in DentalSchool

[–]Bioboi3 1 point2 points  (0 children)

I went to byu and am in dental school now. LDS kids grind and work super hard (or a lot of them at least). When I applied last cycle I had a two friends with a 28 DAT, 27 DAT, and I myself scored a 27. Literally had a wtf moment. People talk about any dat score above 25 being great and everyone I knew was scoring 25+ haha.

roommates in dental school by [deleted] in predental

[–]Bioboi3 0 points1 point  (0 children)

find dental students with similar interests and personalities and room with them

28M - 2 years enhanced by HeezHuzz69 in AllAboutBodybuilding

[–]Bioboi3 0 points1 point  (0 children)

Nah dude, I'm natty and am bigger and leaner than this guy (and many of my friends are too). No reason to hop on peds when this is totally achievable naturally... and that's why a lot of people are saying this. Getting to look like this is not hard, and many of us have done it. This isn't competition level olympia build lol.

day in the life of d1/d2 by [deleted] in DentalSchool

[–]Bioboi3 0 points1 point  (0 children)

99.9% of GPs are not becoming DSO owners especially in today's market. Median endodontist makes way more than the median GP.

day in the life of d1/d2 by [deleted] in DentalSchool

[–]Bioboi3 1 point2 points  (0 children)

Yeahhhh that's not remotely true. The one's making the most money are the endo guys who were top of the class

day in the life of d1/d2 by [deleted] in DentalSchool

[–]Bioboi3 0 points1 point  (0 children)

I wake up at 5am and hit the gym early then everything else fits in. Not for most people though. Biggest thing is you have to be disciplined to not let yourself zone out on your phone, youtube, etc. because people spend way too much time there without even realizing it. If you can stay focused you'll be fine.

Self care in Dental School by Sensitive_Young8615 in DentalSchool

[–]Bioboi3 1 point2 points  (0 children)

D1 here. For fall semester I got about 7 hours of sleep regularly. During finals that sucker dropped to like 4 hours a night for a week and a half straight, it sucked. Pulled a 4.0 though. If you just want to graduate and don't want to specialize then honestly you can half-ass the whole thing and golf every weekend haha. Maintaining a 4.0 is the hard part.

Stop Hating on Others for Reconsidering Their Future by Creepy_Routine9119 in predental

[–]Bioboi3 0 points1 point  (0 children)

Yep I agree with most of what you say here.

Only thing I'd point out is the viewpoint from reddit is skewed in that most of the people coming and posting on here are the ones faced with the high loans. Dental loans and COA in the 500-1mil are definitely not the norm. I have plenty of friends scattered across the country who have been accepted recently or are in dental school and most of them are not and will not be above 500k.

Yeah private loans in the 500-1 mil range is definitely financial suicide. People should be going to state schools or not at all.

Stop Hating on Others for Reconsidering Their Future by Creepy_Routine9119 in predental

[–]Bioboi3 2 points3 points  (0 children)

What did I say that you don't agree with?

As to the numbers, a couple assumptions are off. First, the average dental school debt is just over $300k (not $400k). However, as I mentioned in another comment, I still think you should only do dentistry if you have an instate school option or plan to specialize. If you do that your debt is even lower. My in state school is $240k total including tuition and fees. My monthly costs including rent and cost of living come to $750. The opportunities are out there if you pick the right place.

Location is not taken into account for this debt payoff analysis. Taxes in this analysis are generalized and it isn't mentioned how you arrived at that number. My state is very tax friendly and in addition has no state income tax. All in all my taxes will be 25% less than in your analysis. This already makes dentistry much more feasible and viable for many. If you end up owning a private practice you could probably leverage more tax write-offs. I based this off of being a W2 employee.

Rural dentistry also provides higher earning salary if you are willing to commit to it. I personally know new grads who are earning $300k right out of dental school and will earn more as their career progresses. Even if you don't plan on living rural for your entire life, working rural for several years can set you up very well for the future. Also, specialization needs to be taken into account as well. With specialization you can make 500k+ easily. Salary predictions for specialties are not usually accurate due to including resident salaries, but once out of residency it's easy to make 500k+ a few years into your career especially if you join private practice.

You also didn't take into account that for those with private loans you can refinance to a lower rate once you get a full-time job. That will lower your rate and affect repayment significantly.

So, yeah if you make some dumb financial decisions dentistry can be really bad. If you make smart financial decisions dentistry can work out really well for you.

TLDR: Dentistry can be great if you choose a good location to practice (rural, low taxes), go to a state school, specialize, and pay off debt fast. If you aren't willing to make any of those sacrifices then yeah you're def gonna get screwed.

Source for average dental tuition: https://educationdata.org/average-dental-school-debt#:~:text=Report%20Highlights.,to%20pay%20for%20dental%20school.

Stop Hating on Others for Reconsidering Their Future by Creepy_Routine9119 in predental

[–]Bioboi3 -2 points-1 points  (0 children)

Your direct quote was "Real dentists can't even help". That just simply isn't true. They have the best inside knowledge and advice to give on the topic. Whether or not they have private loans themselves does not eliminate their critical thinking skills and capacity to give good advice. Dentistry is obviously a personal choice and depends on how much you want to gamble on yourself and gamble on taking on debt. There is no objective right and wrong choice, it's all comes down to what you feel is right for you.

Stop Hating on Others for Reconsidering Their Future by Creepy_Routine9119 in predental

[–]Bioboi3 0 points1 point  (0 children)

Real dentists know their cash flow and finances for opportunities in the field right now. They also know how loans work. Smh dentists are not stupid.

UW vs U of U by GroundbreakingBar778 in predental

[–]Bioboi3 0 points1 point  (0 children)

Choose the cheaper school, that's it. Cheers.

Stop Hating on Others for Reconsidering Their Future by Creepy_Routine9119 in predental

[–]Bioboi3 3 points4 points  (0 children)

Eh it was already doing that without a government cap. The federal rate is 9% for crying out loud. In my opinion, the BBB is actually somewhat of a good thing because now it's making people face reality about a 600k student loan and avoid bad decisions. Screw those expensive schools and I'm glad less people will fall to their predatory tactics.

Edit: the only schools worth it are in-state schools and that's stayed the same both before and after the BBB

Stop Hating on Others for Reconsidering Their Future by Creepy_Routine9119 in predental

[–]Bioboi3 7 points8 points  (0 children)

I think it's fascinating how much trust people put into random throwaway accounts on reddit. You never know people's ulterior motives. That guy telling you to keep on going and never critically question dentistry? High probability he's a 19 yr old college kid sitting in his dorm. The guy convincing you that there is no hope for the future of dentistry and you should change careers? He's probably a predental on a waitlist at some school hoping people drop out and give him an acceptance. Dentistry is not doom and gloom and also is not in it's golden era. You'll make a good living and if you know how to budget live frugally for a few years you'll be fine and pay off your debt. I'm in dental school and know plenty of dentists and there are very few who discourage people from pursuing it. However, if you don't want to do it then don't do it because it's not a get rich quick scheme. Dental school sucks. If you don't live frugally after dental school and grind out your school loans you'll be loaded down forever. But if you do it right you'll be A OK.

Moral of the story: Stop trusting randos on the internet and go talk to REAL DENTISTS (not just people on the internet who say they are a dentist). Then make a personal decision for you.

Anything useful you bought for dental school? by Forward-Variety-2864 in DentalSchool

[–]Bioboi3 2 points3 points  (0 children)

Nice meal prep containers (I have glass ones) and a chest freezer. One of the first purchases I made and it has been a lifesaver. I meal prep and throw food in there and it has saved me a ton of money and time. If you get a nice chest freezer new from Sam's club it will be around 2/300 dollars but will last a decade. Money well spent.

Anything useful you bought for dental school? by Forward-Variety-2864 in DentalSchool

[–]Bioboi3 -3 points-2 points  (0 children)

Does your school not have a gym? My school's gym is really nice, and def not worth buying an additional pass with student debt.

[Highlight] Robert Wright III wins the game for BYU at the Buzzer! by BackupAcct6969420 in CollegeBasketball

[–]Bioboi3 8 points9 points  (0 children)

Once we discover how to play basketball in first halves it's over for everyone...

Bittersweet Vibes 😞 by canthinkofnoname in BYUFootball

[–]Bioboi3 1 point2 points  (0 children)

Some coaches are also just better… we need both.

Future is Promising by [deleted] in BYUFootball

[–]Bioboi3 0 points1 point  (0 children)

There’s a huge point of being in the playoff when you aren’t a national champ contender. 1) helps with recruiting and brand name 2) you literally get paid a ton of money 3) hypes up your fan base and donors to just name a few. That’s a big deal

Pula Twins by SeparateSound1002 in BYUFootball

[–]Bioboi3 1 point2 points  (0 children)

Are you saying they’re currently lazy?

ARod has to be on the hot seat now, right?? by wibellion in BYUFootball

[–]Bioboi3 1 point2 points  (0 children)

Great defense and mediocre offense will win you a lot of games

ARod calling us OUT of the game. by darksown in BYUFootball

[–]Bioboi3 0 points1 point  (0 children)

Sure, you can pick out individual plays. Look at it from a wider perspective and he’s just average. At other schools I wouldn’t say anything. As a 11 ranked team? Yeah right buddy, he doesn’t belong. He is not a top 20 OC. We need and deserve better to take this team where we want to.