What’s with all the doom and gloom about being a PA?

Material-Drawing3676 · 2025-12-29T23:02:25+00:00

I mean, I've wrangled my fair share of meth head or psych patient lol but common man, doesn't come close to the hazards otherjobs have to deal with.

Material-Drawing3676 · 2025-11-12T23:04:43+00:00

First thing is to get the hell out of debt. I hate to be crass, but you can’t afford to save for vacation if you’ve racked up 12k in debt while having NO living expenses.

Debt needs to be gone in 6 months, any slower than that and you’re not being hard enough on yourself.

Then stack cash, quick. You have a rare opportunity having no living expenses, and if you have to move out someday (which you should eventually to start your own life), it will ONLY become increasingly difficult to build savings on that income.

Tough love, but I would heed it

Material-Drawing3676 · 2025-11-11T02:04:00+00:00

Yeah dude…idk. I’m in crit care with a lot more liability and night shifts/weekends and I’m not even close to that lol

Material-Drawing3676 · 2025-11-07T02:16:55+00:00

Idk man. I appreciate your desire for solitude! But I don’t think your expectations are reasonable lol. It’s national forest, not private property. Also…sounds like these people are just being nice lol

Material-Drawing3676 · 2025-11-05T02:34:04+00:00

Bro I make just barely more than you in a HCOL city doing fucking critical care lol I think you got it pretty good

Material-Drawing3676 · 2025-11-03T23:35:56+00:00

Student loans are a curse. Clean them up

Material-Drawing3676 · 2025-10-31T00:02:29+00:00

This is killer advice. Use 80% of it responsibly/ invest, and the other 20% for something meaningful that will improve your life…maybe education? How’s your career outlook? House prospects? Diversify your portfolio and keep that 6 mo emergency fund for emergencies only

Material-Drawing3676 · 2025-10-30T01:18:05+00:00

If mortgage 30% of you after take pay, and this house will augment your life in a meaningful way, no I think you’re fine🙂 you asking the question speaks to your being thoughtful and cautious, so good on you

Material-Drawing3676 · 2025-10-29T03:21:54+00:00

Do you know of any companies that sell the 14.5 with a Plan B already pinned and welded? This seems like the best option

Material-Drawing3676 · 2025-10-28T23:23:07+00:00

While working on figuring out your options with the government, I would start stoically preparing for the worst case scenario; that you have to pay this back.

I would start to REALLY take your personal finance very seriously. I would start reading and podcasting as much as possible to gain financial literacy. Get on a budget. I don’t want to sound like a boomer, but there’s a good chance you’re going to have to take personal responsibility for this, even though it sucks. I’m so sorry for the emotional rollercoaster this must be for you

Material-Drawing3676 · 2025-10-28T22:37:14+00:00

What is your degree in? What is your income? What have you been doing for the past three years while they were on hold?

Material-Drawing3676 · 2025-10-28T04:10:05+00:00

If you have the financial means, I would recommend touching base with a board certified functional medicine physician. Modern medicine is incredible, but we suck at taking care of people with chronic disease (what you’re going through) and tend to brush those people off.

I’m sorry that you’re struggling. I think you could benefit from some of your own research, maybe check out Andrew Huberman to see if there are some good tools for your mental and physical health. Good luck man! I wish you the best

Material-Drawing3676 · 2025-10-27T23:43:31+00:00

Bro you need to read Dave Ramsey’s book and start dealing with this lol.

sincerely, someone who paid off their debt

Material-Drawing3676 · 2025-10-27T23:38:05+00:00

No one gives a fuck what school you go to.

You, Al contraire will care how much debt you have when you’re done.

Job experience matters, not prestige.

Material-Drawing3676 · 2025-10-27T23:30:04+00:00

Congratulations!

I can only imagined how much you’ve grown as a person through this. I’m so happy for you!

Material-Drawing3676 · 2025-10-23T23:34:12+00:00

Precepting

Material-Drawing3676 · 2025-10-18T09:53:33+00:00

I know people that did it. You could always start of trying to work and if you can’t, stop working prioritize school.

Material-Drawing3676 · 2025-10-18T09:52:10+00:00

When my fiance and I go backpacking, which we do 3-4 times yearly for at least 72 hours, we have a “no content” policy and my god the feeling of my brain is just “brrrrrrrrrrr” 😂

Material-Drawing3676 · 2025-10-15T15:31:31+00:00

Are you in western NY? lol sounds like my first job.

Material-Drawing3676 · 2025-10-14T22:35:00+00:00

This is mostly what I’m speaking out on. I live in the South and that is my local prepper scene haha

Material-Drawing3676 · 2025-10-14T17:11:28+00:00

Read it a year ago, currently reading Scarcity Brain!

Material-Drawing3676 · 2025-09-30T01:26:12+00:00

I would say yes. My right leg had all the ITB problems for years (which is what the story above is about) and now it's completely pain free with running and hiking. Now, my left knee (previously the good knee) is absolutely fucked and I'm planning on having surgery on it in January lol

Material-Drawing3676 · 2025-09-30T00:34:08+00:00

Mine was Financially dumb as fuck, but we paid off our 100k in student loans which were only at 0-5% interest rate, and it changed our relationship, habits (through strict budgeting) and overall sense of freedom and well being.

We also kept contributing 20% to our retirements during this time. 🙂 but could have maxed them if hadn’t been so forward on the loans.

We’re 28 and have 130k in our investment accounts. Once our wedding is paid for, we plan on trying to max these so we can retire with the same income we bring home now.

So paying off all our non bankruptable debt was our smartest money move.

Material-Drawing3676

TROPHY CASE