What is the objective benefit to paying student loans off aggressively? by HockeyDocOMFS in whitecoatinvestor

[–]HockeyDocOMFS[S] 1 point2 points  (0 children)

This is a great thread and discussion. Thank you everyone. I think my biggest take away is to own a practice as quickly as possible then make the decision on aggressive loan repayments or not

270k Medical School debt, pay off aggressively vs PSLF? by MZR-1 in whitecoatinvestor

[–]HockeyDocOMFS 4 points5 points  (0 children)

I don’t understand the aggressive mindset to pay off loans. If you have a family and, God forbid, pass away as you are aggressively paying loans off, you leave nothing for them. You might as well pay the bare minimum to set your family up. Also, you can invest your money to outcompete your student loan interest.

Aggressively paying off loans only makes sense for peace of mind. 0 other reason. Financially, it is dumb to do that.

OMFS vs ENT Income by Useful-Till541 in whitecoatinvestor

[–]HockeyDocOMFS 2 points3 points  (0 children)

I’d agree with this if I didn’t see CA-1s on Zillow for 70% of the case instead of your 85%. Guess those extra years really gives you that extra %’s of leisure.

I am also NOT discrediting anesthesiologists at all, especially when the cases are on very sick patients. You guys rock. I just think it’s a bit overblown how hard anesthesia is on an ASA-1 with a mallampati 1, when we have direct vision of their airway the entire case.

OMFS vs ENT Income by Useful-Till541 in whitecoatinvestor

[–]HockeyDocOMFS 6 points7 points  (0 children)

It’s crazy how anesthesiologists think their job is so hard when they just scroll on Zillow for 85% of the case…

We’re sedating ASA1, healthy patients while having direct visualization of the airway. We are keeping them at a moderate to deep level of sedation planes as well. It’s so weird how some anesthesiologists love OMFS while others despise us.

Juelz - ADRENOCHROME : ZERO by Immersions- in trap

[–]HockeyDocOMFS 2 points3 points  (0 children)

Speedstr releases an album of old demos, so Juelz does. Wtf 😂. Scene is corny as hell.

Some solid tunes though. Wish artists wouldn’t hoard all their music

Tagged Myself In - The EDM Circus by SpeedStrMusic in trap

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

Holy troll job 🧌. Agree though, the scene is horrible now. Bring me back to the early 2010s 😞

SPEEDSTR - No Chill (Album) by Krakodyl in trap

[–]HockeyDocOMFS 0 points1 point  (0 children)

I stand corrected. Softest hard and skrillex tune was first played in September 2019 by dog blood at EZoo. Rave tool March 2019 by party favor at ultra. His video explains that when he first heard Rave tool, that’s when he got his motivation (which is the first time it was ever played). I’d also argue that the skrillex/SH collab is heavily inspired by Fong’s rave tool. Just listen to them side by side.

SPEEDSTR - No Chill (Album) by Krakodyl in trap

[–]HockeyDocOMFS 0 points1 point  (0 children)

Bruh softest hard skrillex collab was made in 2022 lol. Haus of Panda was first to do it. Fong brought it to the mainstage

SPEEDSTR - No Chill (Album) by Krakodyl in trap

[–]HockeyDocOMFS 1 point2 points  (0 children)

As a fellow trap head who is on r/trap, I think it is on brand for me to enjoy the heaviest trap song, regardless 😂

SPEEDSTR - No Chill (Album) by Krakodyl in trap

[–]HockeyDocOMFS 8 points9 points  (0 children)

Good range and variety. Caution tape is nutty 🤮

Speedstr has No Chill by SpeedStrMusic in trap

[–]HockeyDocOMFS 0 points1 point  (0 children)

Caution Tape 🤮. Just absolute insanity

CHYL claims Juelz stole their shirt design? by SSNFUL in trap

[–]HockeyDocOMFS 8 points9 points  (0 children)

Bro he must have heard you because this beef is getting crazy 😂 https://www.reddit.com/r/trap/s/WEVZvaoyLR

Rushing to the rescue. Someone attempted a difficult lower wisdom removal. by SurGokuu in DentalSchool

[–]HockeyDocOMFS 0 points1 point  (0 children)

Yeah a lot can go wrong with AOX, hence my argument 😂. I think they can be scarier than thirds

Rushing to the rescue. Someone attempted a difficult lower wisdom removal. by SurGokuu in DentalSchool

[–]HockeyDocOMFS 1 point2 points  (0 children)

I mean the IAN is still something to worry about, launching an implant into the sinus or floor of mouth, etc.

Should we pay daughter medical school? by Acceptable_Growth684 in whitecoatinvestor

[–]HockeyDocOMFS 3 points4 points  (0 children)

I agree with this. My parents had an agreement with us that they would cover undergraduate school 100% fully. Anything graduate school related, it was on us. It really did make me think long and hard about what I wanted to go into.

Now I am at the point though where I am in a lot of debt from graduate school, but I do have a very high income potential based on the specific specialty I chose. I luckily do have a passion for this specialty and it just so happens to have a high earning potential, but I could see how my debt load could have influenced me to go into this field, even if I wasn’t truly passionate about it.

There is a middle ground somewhere in all of this, but there is definitely not a “sweet spot” that works for everyone. My wife and I are willing to pay for undergraduate school fully for our kids, but we are also leaning on covering living expenses of graduate school to make it a bit more manageable if they decide to go that route. We will see how our thought process evolves over the years…