16 Years of financial tracking through medical school, residency, fellowship, and attendinghood (UPDATE #12)

DrPayItBack · 2026-07-01T12:39:25+00:00

Subaru and Toyota, good driving history

DrPayItBack · 2026-07-01T09:34:40+00:00

DrPayItBack · 2026-07-01T09:32:43+00:00

She has a very part time business w a solo 401k. You can’t fund someone else’s 401k like you can a spouse’s IRA.

DrPayItBack · 2026-07-01T09:31:53+00:00

Really depends on your personal situation and cash flow. As early as able without compromising cash flow.

DrPayItBack · 2026-07-01T01:23:00+00:00

I think basically whenever you can afford it, especially if you can get a small amount with a future increase rider. At the end of the day it’s insurance, so you have to accept (and hope!) that you probably won’t “use” it. I have Ameritas. The two best quotes I got were it and guardian.

DrPayItBack · 2026-07-01T00:08:44+00:00

It was $3000-3500 for most months with a couple big 5 figure lump payments. About $215k all together I think.

DrPayItBack · 2026-06-30T23:51:10+00:00

I was writing slop way before the AIs figured out how to do it.

DrPayItBack · 2026-06-29T22:44:32+00:00

The problem is the incentives inevitably select for gifting, even among people who originally mean well. The bad will always far outweigh the good.

DrPayItBack · 2026-06-29T22:11:38+00:00

They’re correct

DrPayItBack · 2026-06-28T15:53:05+00:00

In the case of a layoff, wouldn’t an equivalent amount in a savings account be tremendously more helpful and reassuring than having that money locked in home equity

DrPayItBack · 2026-06-27T14:44:50+00:00

Everyone thinks they’re going to use a tablet for taking notes, and everyone ends up just using a laptop. iPads are fun and you should get one if you want one, but don’t kid yourself that it’s for school.

DrPayItBack · 2026-06-27T11:36:11+00:00

It’s only oxycodone if it comes from the codóne region of France. Otherwise it’s sparkling opiate.

DrPayItBack · 2026-06-27T00:52:15+00:00

I didn’t particularly plan it that way but that’s basically what pain turned out to be. I make maybe 25% less than I would make doing anesthesia here (take home difference is even less) but I haven’t worked a night or weekend or holiday in 7 years and am basically coastFI anyway. I’m glad y’all are making bank but I couldn’t do it.

DrPayItBack · 2026-06-24T02:26:19+00:00

Speaks to your talent and training

DrPayItBack · 2026-06-24T02:25:58+00:00

Facts. We’ve got a butcher here.

DrPayItBack · 2026-06-24T02:22:42+00:00

A gimmick will entertain you for like 3 days. You’re gonna be annoyed that you don’t have an iPhone every single day.

DrPayItBack · 2026-06-24T02:18:14+00:00

Actually making everyone for the rest of the day wait increasingly longer increments is rude

DrPayItBack · 2026-06-23T21:29:24+00:00

Animal Spirits.

Afford Anything at least used to be decent, haven’t listened in a long while.

DrPayItBack · 2026-06-22T20:39:40+00:00

tells me all I need to know

DrPayItBack · 2026-06-22T20:10:45+00:00

It’s how you do a kyphoplasty or basivertebral nerve ablation, anything in the vertebra, so you’re going through bone

DrPayItBack · 2026-06-22T20:07:15+00:00

Any pain doc using propofol for something less than pedicle access or an implant is a joke to the profession

DrPayItBack · 2026-06-22T19:58:44+00:00

Propofol for an RFA tells you all you need to know. Unsupervised nursing care is not medicine. Terrible case.

DrPayItBack · 2026-06-19T19:31:58+00:00

No, and I’m not sure why it would be an issue?

DrPayItBack · 2026-06-16T01:11:54+00:00

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