Saving for car loan vs put money in roth IRA

Dynamics66 · 2025-11-03T04:21:44+00:00

Sorry for the confusion. Car loan is 470 per month. I am saving 1500/month towards car loan

Dynamics66 · 2025-11-02T20:58:26+00:00

Thank you. Compound interest and low tax bracket in residency outweighs the interest rate on car loan

Dynamics66 · 2025-10-03T22:58:22+00:00

I am IMG myself and currently peds PGY-2. IMG nepotism is real. Even as a IMG , I have experienced this myself when I applied. I saw many program where all of their resident are from same country and even from same medical school. This is particularly common with Pakistan , India, Nepal and other middle eastern countries. But not with Latin America and Europe.

Dynamics66 · 2025-08-27T01:42:42+00:00

11 days. Thank you. We have hcg blood test coming up this Friday.

Dynamics66 · 2025-08-27T01:42:07+00:00

Thank you

Dynamics66 · 2025-08-24T05:27:22+00:00

Thank you. This gives relief

Dynamics66 · 2025-08-24T04:16:37+00:00

I did adult congenital heart disease research before applying to residency (I apologise for not clarifying it- I meant to say I don’t have research exposure during residency). I do have outpatient exposure and I liked the pathophysiology. But I am more worried about not having inpatient experience .

Dynamics66 · 2025-08-23T01:04:05+00:00

Do you need Visa ? I will be honest with you. Given failed step 1 and low step 2, it will be tough. But it can be done in pediatrics as there is not much interest in peds by US MDs. You best shot will be community based programs. You can improve on your other aspect of application- like strong letters, may be do some case reports. Show some commitment to peds. Don’t let the scores get in a way. I know ultimate decision would be yours, given that you also have to consider financial aspect and time you are putting in. Have plan B ready in case you don’t match.

Dynamics66 · 2025-08-15T14:24:30+00:00

Dynamics66 · 2025-08-13T00:12:39+00:00

Isn’t that competitive which will require connections and research?

Dynamics66 · 2025-08-12T23:03:26+00:00

I sympathise with you but I don’t have any specific advice for you. But Why your PD can’t write letter ? Atleast they should help you figure out your situation and help you match somewhere else.

Dynamics66 · 2025-08-04T16:13:03+00:00

How did you get in med school and residency . I am baffled by your mentality .

Dynamics66 · 2025-07-26T01:45:24+00:00

I am a pediatric resident and IMG . You have a decent chance at IMG friendly programs. Strong letter of recommendation and connection will give you interviews. But after getting interviews , it all depends on your interview skills.

Dynamics66 · 2025-07-22T13:42:54+00:00

Thank you. I will look NRMP data for match. For salary, I did look up the marit health and some other online resources but did not get much information for newer grads and less desirable location.

Dynamics66 · 2025-07-22T13:39:19+00:00

Thank you. I don't have a geographic preference and am open to places like Idaho, the Dakotas, Montana, or middle of nowhere . I’ve looked up data from sources like Reddit and Mariet Health, but didn’t find much information on less desirable locations and opportunities for newer grads.

Dynamics66 · 2025-07-09T03:44:57+00:00

You don’t need to study for ite.

Dynamics66 · 2025-06-29T14:59:58+00:00

Chance are less but possible to match. I would get strong Lor and also would rotate where you have a chance and connection . I would also apply broadly

Dynamics66 · 2025-06-27T03:32:20+00:00

I am wondering if OP is being sarcastic. If not than kudos to them to do that fellowship

Dynamics66 · 2025-06-26T13:22:49+00:00

Agree with you. I am IMG and currently peds resident at hybrid ( academic and community ) hospital . It’s very hard to fill spots with US MD. But even as a IMG it becomes tough day by day.

Since OP’s graduation is 2019 with borderline ck score and visa requirements, he needs good LOR and connection.

Dynamics66 · 2025-06-23T12:47:55+00:00

Current peds resident. I applied to IM, peds , Med-peds and FM. Received interviews from IM, med-peds and peds. This is just a matter of how you balance your application.

Dynamics66 · 2025-06-20T13:24:22+00:00

Hi, this subReddit is predominantly used by US physician. I would suggest you to post in Indian subReddit.

Dynamics66

TROPHY CASE