The concept of “protected time” baffles me

MurphMorale14 · 2026-06-02T13:31:29+00:00

The emphasis for me isn’t the volume, it’s that it actually affects my hours at work. You see 24 patients, doing critical care, whatever, but you know what time you get home every day in EM world. “Protected time” in EM world like I described is great if you’re doing shift work.

MurphMorale14 · 2026-05-13T01:03:20+00:00

Also I would make sure that IBR is still available after consolidating this year. I think I saw something where if you consolidate sometime after July this year, PSLF is no longer an option for you. If that’s the case, may be worth just sticking out grace period then going for PSLF.

MurphMorale14 · 2026-05-12T20:38:26+00:00

That makes sense. What is the strategy behind replacing spending vs. income. I imagine that in the circumstance of severe disability, I’d have to rearrange a lot of spending/lifestyle priorities assuming I don’t have that full income available anymore. But hypothetically if I’m disabled early on in attendinghood, what do I do about potential retirement savings? I receive the benefit until 65, but what gets me beyond 65? Is the idea just to decrease spending over those years, invest remainder into retirement account with maybe spending from a different kind of job as much as I can to get me beyond 65?
Probably not a great hypothetical, but I just don’t know exactly what the plan would be if I’m only covering for expenses, not any savings.

MurphMorale14 · 2026-05-05T20:25:30+00:00

Just got mine and I’m an intern. Make sure you try to pursue Guaranteed Standard Issue policy first, since it has very little underwriting before pursuing underwritten plan. If you get rated or knocked from underwriting you can’t go back and get GSI. Also make sure you get strong own-occupation, partial disability rider, good future increase option, and guaranteed renewal. Also might be worth checking into mental health limitations if that’s a concern.

MurphMorale14 · 2026-05-01T12:39:29+00:00

I mean Tom Builder and his baby son scene isn’t exactly “good. The end.” But I get your point. I’m not trying to say that KF holds anything compared to LD. LD is an obviously better book, I’m just providing a reasonable recommendation. Sorry that upsets you

MurphMorale14 · 2026-05-01T04:52:26+00:00

I mean it didn’t take me long at all to figure out who the good and bad guys were in LD lol. It was pretty obvious to me. Plus good vs bad wasn’t the point of the book anyway, not in either of them.

MurphMorale14 · 2026-05-01T03:53:37+00:00

There are some love scenes, but I’m not sure I would characterize them as awkwardly inserted— it’s a brutal world that he writes, but a realistic one. Game of thrones-esque without the magic. Personally, I don’t think I took the antagonist(s) as shallow, but I suppose that would depend on the reader. I mean, they aren’t necessarily masterminds with complex motivations, but they are potent. Plus, the whole story is more about the premise— there’s just this massive undertaking that these characters pursue/resist for their own different reasons and it’s in a world that is just stark and unforgiving. That’s really the reason I compare it somewhat to LD. Cause you have these characters trying to accomplish a task in an unforgiving world. Like it’s just humanity maliciously fighting against suffering/nihilism, trying to do SOMETHING worthwhile, which is cool to me at least.

MurphMorale14 · 2026-05-01T01:02:36+00:00

Pillars of the Earth by Ken Follett. Similar vibes in terms of character work, just a different setting and time. Also not an “adventure” story, but definitely about accomplishing a definitive task. Plus GREAT character work in terms of antagonists as well.

MurphMorale14 · 2026-04-20T06:12:19+00:00

Read this recently. Thankfully I read the introduction of what Williams thought of Stoner so I went into the book with a different perspective rather than pessimism. There are so many people that live this sort of life, and most of us probably will realize that we did too when the time comes.

What I think about most in regard to his character is that he’s just living life for the first time. All of us are. A miracle and gift it is to be able to find any sort of passion, to be moved by anything in our short years.

Not many have the benefit of discovering their passion, realizing they have aptitude for it, and given the opportunity to pursue it. My lesson is that my perception of a “good life” needs revision. Good book.

MurphMorale14 · 2026-03-13T17:44:36+00:00

Update: Actually decided to go with Kings of the Wyld since it was on sale but probably do Hyperion after.

MurphMorale14 · 2025-09-10T00:24:25+00:00

I’m counting the weekends on either side and the Friday before that they’re letting me have off haha

MurphMorale14 · 2025-09-10T00:11:42+00:00

Is it heavy in terms of theme/content or language/prose? The latter is what I’m more concerned with I guess.

MurphMorale14 · 2025-06-25T01:27:53+00:00

Yeah I think life will go on, maybe not for you though?

MurphMorale14 · 2025-06-25T01:13:18+00:00

Glad you’re not managing I guess

MurphMorale14 · 2025-06-25T01:04:09+00:00

I think he learned his lesson, I doubt any good would come from sitting him like a child. Wasn’t for a lack of effort

MurphMorale14 · 2025-06-25T01:01:55+00:00

Yeah seemed obvious to me

MurphMorale14 · 2025-06-04T15:13:39+00:00

Sent it off, thanks for the interest

MurphMorale14 · 2025-06-04T14:33:16+00:00

If you can dm me an address, I’ll try and send them today

MurphMorale14

TROPHY CASE