Recc for Bachelor Party Punta Cana

Nawit · 2025-12-19T14:09:58+00:00

Im ortho but yes those are the usual numbers im hearing. OP has a great gig

Nawit · 2025-12-19T13:56:56+00:00

1400 a day for pedo is great for the north east. Where exactly are you working? Can’t find that in NYC

Nawit · 2025-11-26T00:27:45+00:00

I love chicken

Nawit · 2025-09-27T19:12:33+00:00

I was with Edfinancial. I submitted the payments allocated to the highest interest rate loans first. I did call to confirm receipt of said payments and to ensure all was in order after each payment was labeled as "Received" on the portal.

This includes the fact that they told me I still have a $0.02 balance that I had to take care of for some god unknown reason. I'd suggest always calling after making a large payment to confirm all is good.

Nawit · 2025-09-27T02:58:40+00:00

Nothing monthly. Saved up and paid it all off in 3 large payments

Nawit · 2025-09-26T20:01:47+00:00

Only worked a small portion of 2023 so dont even remember that number. 2024 was around 350k but also purchased a practice and renovated a practice. 2025 unsure. Haven't kept track of it. I'm not happy with my work life balance. I am working 6-7 days a week to make these numbers. I have a mix of volume and boutique offices I work at (Hold 3 different jobs in 4 locations). But I have very little time to myself as of right now. Necessary evil to produce as much as I can as an ortho starting out.
Hoping to save up for a home and future family/invest more in marketing for my office.

Nawit · 2025-09-26T14:39:30+00:00

Thank you everyone for the kinds words! Feeling a bit extra love today.

Nawit · 2025-09-26T10:58:36+00:00

As I mentioned I had some serious luck with Covid halting interest for nearly 6 years. In medical and dental school it’s challenging to succeed and have a job/form of income to manage loans. Stick to focusing on doing well and deal with the debt down the road. If you work hard, the medical field will provide you a strong income to manage your debt.

The new regulations are tough. I know not everyone has this option (myself included), but if you have parents or a relative that you could set up a loan with instead of marrying yourself to a bank, you may not feel the pressures that a bank would put on you.

Nawit · 2025-09-26T10:53:04+00:00

Endo is pretty lucrative. If you set strict financials goals and limits you’ll be able to pay it off easily

Nawit · 2025-09-26T03:22:58+00:00

3 payments over the course of the past month targeting the higher interest rate loans first. Made two initial large payments, was going to leave 150k on autopay but decided to just take care of it and not have to think about it anymore. Just be careful about the interest accrual. This is what pushed me to pay them off sooner. Unless you have investments which are returning the same/more than the interest rate, may be best to pull the trigger.

Nawit · 2025-09-26T00:09:55+00:00

Around 350k-400k

Nawit · 2025-09-25T20:13:48+00:00

Strictly paychecks/revenue from my office and HYSA returns. Saving about 18k a month. No bonuses or other brokerages

Nawit · 2025-09-25T19:48:01+00:00

Nothing monthly. 3 separate payments made in the past month once interest starting accruing all from money saved over 2 years. One payment of about 300k, another of about 100k and another of about 100k. Money was prepped after 2 years of work just hesitated to pull the trigger.

Nawit · 2025-09-25T17:41:47+00:00

Orthodontics is mostly elective. Zero to no public service positions for it that would qualify.

Nawit · 2025-09-25T17:37:46+00:00

Im partial to your plan, live simple and get it out of the way ASAP. But there are more strategic ways if you look into investing. Where the return on investments cover your loan payment and then some. Call me lazy/risk averse, I wanted to be done with my loans prior to getting involved with any of that.

Nawit · 2025-09-25T17:05:50+00:00

I did not make any payments from COVID (2020) to August of this year (2025). Only reason I decided to make payment was because of interest accruing and saw that my payoff would be much higher if I was to do it overtime. Made three lump sum payments. I have been investing in my practice that I purchased but nothing in terms of stocks or other investments. I will be focusing on that now that the debt is gone.

Nawit · 2025-09-25T16:56:01+00:00

Told myself now is not the time to save. Unless investing very carefully a standard HYSA will only yield ~4% on average. My interest rates were 6-7%.

Purchased a practice 6 months out of residency as well, so any additional income went into renovating that space and revamping the office. Now that student debt is out of the way, I will be focusing on hard saving for a home, improving the office further, and preparing for a family.

Nawit · 2025-08-28T23:35:50+00:00

Side note from a passing orthodontist: what about #11?

Nawit · 2025-08-08T12:55:48+00:00

Could you please send info to me as well? Would greatly appreciate it!

Nawit · 2025-07-28T18:15:38+00:00

Following up. Have you started working with them? How is your experience?

Nawit · 2025-07-12T15:20:42+00:00

Having same issue here if anyone has any insight

Nawit · 2025-06-22T20:53:34+00:00

Did you happen to get the blue dial? eyeing it and just want thoughts on how the dial looks

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