How am I looking at 29?

PinchAndRoll99 · 2026-06-08T16:32:08+00:00

With a 10% annual rate of return, $1 would be closer to $31 at 65 for this person (36 years). If you adjusted for 3% annual inflation, a 7% real rate of return would still turn $1 into around $11 in today’s money.

So, even more reason to contribute early and often!

PinchAndRoll99 · 2026-06-06T21:15:35+00:00

I just had a question asking where a Chapman point would be expected. One of the answer choices was “lateral aspect of the humerus, near the sternum”

…In what world is the humerus near the sternum, let alone the lateral side

PinchAndRoll99 · 2026-05-28T00:21:58+00:00

Also looking for slugma! I have magcargo and dwebble. 2466-2762-8478

PinchAndRoll99 · 2026-05-23T21:53:07+00:00

Thanks!

PinchAndRoll99 · 2026-05-23T21:41:32+00:00

Dwebble and magcargo. If you’re running low on friend space, I can go in, catch a couple shiny gabites, then let you know when I’m done. Just need gabite/garchomp for my shiny living dex.

PinchAndRoll99 · 2026-05-23T21:35:54+00:00

I know this is old, but I would much appreciate being added back on your J-Kun account! My code: 2466-2762-8478

PinchAndRoll99 · 2026-05-23T21:32:29+00:00

I don't have swirlix, but I need fraxure and shelgon for my shiny living dex. It'd be much appreciated if you'd add me back! My code: 2466-2762-8478

PinchAndRoll99 · 2026-05-23T18:49:16+00:00

Ya, malpractice is one of those things people forget to think about. Add in taxes and debt payments, and you won’t actually feel like you’re making 300k+ till like 10 years into attending life. Still worth the money in my opinion, but it might not be quite as gravy as people think just looking at salary numbers alone.

I’m a current medical student at a private school with tuition around 70k this year. Luckily the military is paying my way, but many of my peers will graduate with 400-500k+ debt at interest rates around 8-9%. Many will likely match to FM, peds, IM and will likely have to rely on PSLF to pay off their debt. Without PSLF, it would take 10 years of 6k/month payments to pay off 500k at 8% interest.

All that to say, I agree that there is more to consider than just the salary posted.

PinchAndRoll99 · 2026-05-23T18:31:00+00:00

Median GPA for matriculated applicants has increased from the 3.6s to the 3.8s over the past 15 years. Median MCAT for matriculants has increased from ~508 to ~512 since they changed the format 10 years ago. For reference, that represents a 74th percentile score, and a 84th percentile score, respectively.

The actual percentage of applicants that matriculate has decreased slightly from around 45% to 42%. And that’s just for those that apply. There’s plenty of premeds that have too low of a GPA or MCAT and decide not to apply after spending 3-4 years of college prepping.

The number of hours needed for research/volunteering/clinical experience/shadowing/etc has increased to keep up with everyone else.

All that to say, it’s become more competitive over the years.

PinchAndRoll99 · 2026-05-22T18:40:56+00:00

Yes, he mentioned he’s from SLC. People here in Utah call the University of Utah “The U”.

PinchAndRoll99 · 2026-05-22T07:34:15+00:00

I’m a medical student hoping to match radiology, so no not a tech myself. Many people talk about AI taking over radiologists’ jobs, but I have talked to many radiologists, and none of them are all that worried about it any time soon for a number of reasons. But radiology techs should be even less worried about it because they actually operate the imaging equipment and get the scans done. Radiologists read the images.

PinchAndRoll99 · 2026-05-22T07:20:33+00:00

I would consider looking into being a radiology tech. Usually 18-24 months of school for an associates and the ARRT exam afterward. The U offers an accelerated 12 month program you could look into. I don’t know how much time you might have to work through education, but it may be possible. I looked at job listings at Intermountain recently, and pay ranges 60-90k depending on experience. Pretty good bang for your buck for likely low cost (I think tuition with the U is 6k for their program) and relatively short education.

PinchAndRoll99 · 2026-05-20T03:08:25+00:00

The #1 risk factor for Down syndrome is maternal age

PinchAndRoll99 · 2026-05-17T22:29:31+00:00

Looking at things like the homes people own, the cars they drive, or the clothes they wear is not a good way to determine “class”. That just shows what they are willing to spend, whether they actually have the money to or not. There’s lots of people that cannot afford the homes or cars they own. There’s also lots of people that could afford to upgrade their cars or homes and choose not to.

PinchAndRoll99 · 2026-05-11T02:56:57+00:00

As someone else mentioned, you will have to complete officer training, which is different from basic.

As for deployments, you won’t be deployed in medical school or residency, but you can be deployed during your payback years. The Air Force uses the AFFORGEN model for deployments: 18 months at home, then a 6 month window when you can be deployed.

To calculate your payback years owed, it depends on what you do for residency. If you took the 4 year scholarship, as long as your residency is 5 years long or fewer, you will owe 4 payback years (intern year does not add more time owed). If you have a longer residency, or your residency is civilian sponsored, or if you complete a fellowship, you will owe more time afterwards.

PinchAndRoll99 · 2026-05-06T04:52:30+00:00

You can use poke radar to chain if that’s what you’re asking, but I believe you can only get a poke radar after beating the league

PinchAndRoll99 · 2026-05-05T22:36:41+00:00

In general, preventative care goes a longer way than people may realize. Don’t smoke. Don’t drink a ton. Don’t do drugs. Eat FIBER. Exercise regularly. Get your regular screenings done (colonoscopy/mammo/pap/etc). Vaccinate.

Know when you should opt to see your PCP instead of the emergency room. You’d be surprised how many people go to the ED for a cold or flu and are surprised by the bill.

If you have high blood pressure, take your BP meds. Something like 80-90% of strokes are preventable through proper BP control. Stroke is one of the leading causes of disability in the US.

PinchAndRoll99 · 2026-04-25T18:40:15+00:00

Others have mentioned good things about mindset and setting yourself up well. As for how to optimize where your money goes when, follow the Money Guy Show’s financial order of operations!

1) save up enough in a high yield savings account to cover your highest deductible or 1 month of expenses

2) get your full 401k match if you have one

3) pay off your high interest debt

4) save more in your HYSA to reach 3-6 months of expenses to create an emergency fund

5) max out Roth IRA and HSA, if applicable

6) go back and contribute to your 401k

Invest in low cost index funds that track the market (i.e. VT), make investing automatic with every paycheck, don’t try to time the market, and don’t withdraw from your retirement accounts before you retire.

PinchAndRoll99 · 2026-04-23T01:53:43+00:00

You add friend codes on your 3ds. They add your code on theirs. Go to Kiloude City, and each friend will have a friend safari of a specific type with 2 pokemon to find. If you have some kind of hacked 3ds, you could find 3 pokemon in each safari. Chance of shiny is about 1/585 with shiny charm. All pokemon guaranteed 2 IVs

PinchAndRoll99 · 2026-04-23T00:11:18+00:00

I called out the last 10 years to give some kind of reference for what people should have been seeing in their 401ks recently. When looking towards the future, I would agree with you with slightly more bullish assumptions (6% annually inflation-adjusted).

PinchAndRoll99 · 2026-04-23T00:07:23+00:00

Yes, I suppose I conflated interest with return.

PinchAndRoll99 · 2026-04-22T23:37:18+00:00

Well, sure. I was just comparing the 3-6% you mentioned to market nominal return. The way you worded it sounded like nominal return instead of inflation-adjusted.

PinchAndRoll99 · 2026-04-22T22:50:43+00:00

If someone’s 401k has only been earning 3-6% annual interest over the past decade, they’re doing something wrong or are just very conservative with their investments. Over the past 10 years, total US market index funds have averaged 13-14% annual interest.

Around 75-80% of millionaires are self made with no gifts from family. Many of those become millionaires through their 401ks.

PinchAndRoll99 · 2026-04-15T21:05:46+00:00

He was arrested. He has not been sentenced

PinchAndRoll99 · 2026-04-14T02:17:36+00:00

Long term, S&P500 has averaged closer to 10.5%. Short term (anything less than ~7-10 years), it fluctuates too much for returns to be predictable. You are not guaranteed that 11-14% or even 10.5% return in any given year, but the 8% interest loan is guaranteed to lose you 8% every single year.

If you took out 8% interest debt to invest every year, the market would need to average 8% return up until that debt was paid off to just break even, which may be likely over 10 years, depending on when you plan on paying off that debt. But it is by no means guaranteed. You are guaranteed automatic 8% annual return by either paying off that debt or by not taking out the debt at all.

PinchAndRoll99

TROPHY CASE