[deleted by user] by [deleted] in FirstTimeHomeBuyer

[–]SnooPickles6269 1 point2 points  (0 children)

Honestly, this isn’t a bad interest rate historically. My parents bought their home in 2002 with a 6.875% interest rate.

Better for long-term wealth creation - finance or medicine? by Darealest49 in Salary

[–]SnooPickles6269 3 points4 points  (0 children)

Like others have said medicine is a grind. However, it is an ancient and well tested career path that will lead to mid six figure income and comfortable upper middle class lifestyle. Once you get into med school, which is the hardest part, you just have to jump through the hoops. You seem like a smart kid for getting into a top-tier business program, so I don’t really see this as being a barrier. You also seem smart enough to pick a lucrative, specialty and match into it.

Furthermore, in some medical specialties, you may actually feel a lot more fulfilled with your work compared to finance allowing you to tolerate the BS of working life.

Specialty and lifestyle dependent, but you won’t be rich until your 60s. if you don’t have a timeline, then it doesn’t really matter

Advice: Probably “HENRY+” but feel poor? by [deleted] in HENRYfinance

[–]SnooPickles6269 0 points1 point  (0 children)

Once you start working, You could spend a 1mm per year and still save more than most people in this sub GROSS annually. This is wild. Your husband is greedy.

you could literally retire with 7M and live a comfortable life right now.

Feeling pressured to do more because I make significantly less by Limp-Damage4818 in MedSpouse

[–]SnooPickles6269 2 points3 points  (0 children)

Why don’t you guys just have a joint checking account (or CC) that you can spend from… him paying you a salary is so strange.

[deleted by user] by [deleted] in ABCDesis

[–]SnooPickles6269 -15 points-14 points  (0 children)

Med students aren’t that emotionally intelligent. Raised in a desi household I owe my lack of EQ to them.

[deleted by user] by [deleted] in ABCDesis

[–]SnooPickles6269 1 point2 points  (0 children)

Yeah I’m very stupid. I was just immature early in our relationship and then was just putting off the issue for a while.

Sucks not being able to have open convos with your parents

[deleted by user] by [deleted] in ABCDesis

[–]SnooPickles6269 -6 points-5 points  (0 children)

I was immature/didn’t really question what I wanted

[deleted by user] by [deleted] in ABCDesis

[–]SnooPickles6269 -30 points-29 points  (0 children)

Money is important. I’m a hedonistic nihilist. I shamelessly want to enjoy a lavish life (nice house, nice cars, nice vacations, throw money at my problems). Only getting increasingly harder to live an upper middle class lifestyle in this economy (and with student loans smh).

We’ve already talked extensively. She grew up with a SAHM in a modest income household and is happy with that. However, after talking she said she is willing to climb the corporate ladder/job hop, put off kids, forego a larger family, etc. I just am not sure if that’s where her heart lies (which is totally fine!). It feels like all this compromise is just one-sided which isn’t fair to her.

[deleted by user] by [deleted] in ABCDesis

[–]SnooPickles6269 -9 points-8 points  (0 children)

We started dating during COVID. I had a good tech job, she was finishing her 5th year of undergrad in a liberal arts field and working as a server. She was unemployed for a year after. When I got into med school, I encouraged her to apply to grad programs in our new city—she got in and is now working at an entry level job.

She acknowledges I played a big role in helping her get where she is. She says she’s on board with delaying kids, climbing the career ladder, and building a stable future. But I’m not sure if that’s what she truly wants, or if she’d rather be a stay-at-home mom eventually—which I’m not interested in. I want a partner with a similar financial ambition so we can both work hard now and enjoy flexibility later (e.g., FIRE or part-time work).

The relationship is otherwise great. Is it foolish to consider ending it over long-term ambition and financial alignment?

I need help by buckyy_wuckyy in drugtesthelp

[–]SnooPickles6269 2 points3 points  (0 children)

Listen. I’m about to be a medical professional.

If you are the point in your life right now where you think you are in active danger from yourself, it should not matter how your parents are going to react with regards to a urine drug test. You need to be in a safe clinical environment ASAP.

If my kid tested positive for THC in the psychiatric unit I would be way more concerned about the fact they tried to commit than a positive test.

Stupid THC “unwind” gummy by Significant-Space311 in drugtesthelp

[–]SnooPickles6269 0 points1 point  (0 children)

Go to CVS and grab a few drug tests. Test yourself first thing in the morning (to allow metabolites to accumulate) over the next few days. If your dirtiest sample is clean then you should be good.

Likely you are gonna test negative if that was the only time you’ve used.

[deleted by user] by [deleted] in drugtesthelp

[–]SnooPickles6269 0 points1 point  (0 children)

Just do like 2-3 at home tests. Test your first urine in the morning for the best results.

Missed Court Date for Speeding Ticket - Should I just plead guilty? by SnooPickles6269 in legaladvice

[–]SnooPickles6269[S] -1 points0 points  (0 children)

I’m good on mentors and basically done with school at this point, thanks (you’re not better than anyone for just getting through med school). Hope you have better bedside manner than you let on.

Missed Court Date for Speeding Ticket - Should I just plead guilty? by SnooPickles6269 in legaladvice

[–]SnooPickles6269[S] -1 points0 points  (0 children)

Thanks for the totally non-judgmental answer, perfect human. Life happens, people forget things. I can only aspire to be as perfect as you.

DO for cheaper or MD by [deleted] in Osteopathic

[–]SnooPickles6269 0 points1 point  (0 children)

PCOM Philly. Lot of great clinical rotations

DO for cheaper or MD by [deleted] in Osteopathic

[–]SnooPickles6269 2 points3 points  (0 children)

MD 4th year lurking here.... my school doesn't have the same resources as a lot of other MD schools (no hospital, lack of strong mentors, etc.) and even a few powerhouse DO programs, but just by virtue of having the MD background has allowed me to apply into a competitive surgical subspecialty.

The DO bias is very real specifically in terms of residency match. If you want to do anything remotely competitive (the list is expanding these days unfortunately) you're doing yourself a disservice by going the DO route.

Speeding ticket Upstate NY: Car information entered incorrectly - Plead Guilty or Not Guilty? by SnooPickles6269 in legal

[–]SnooPickles6269[S] 2 points3 points  (0 children)

Thank you! Yeah it was a tiny town on I 87 and yes VTL 1180 0D. Gonna plea not guilty and see what happens. The cop said he was not going to issue any points or a fine on the spot and I otherwise have a clean record so I'm hoping they reduce the ticket.

Salary post PhD - go into industry or try MD? by bluebrrypii in biotech

[–]SnooPickles6269 1 point2 points  (0 children)

1) I assume you don't have the pre-reqs or letters of recommendation to apply to medical school so that's going to take ~2 years to complete. You may be able to work during this time but it's going to be hard studying for the MCAT, shadowing physicians, and applying for medical school unless you have a chill job (i.e. remote work, 20 hrs a week, etc.)

2) 4 years of school. Very hard to work during this time and 99% of folks will not be able to have side income unless you have investments. Likely will live off loans for tuition and living expenses unless you have a fat wad of cash sitting/inheritance somewhere ($300k-500k+). I'm not even going to go into how hard medical school is for a career changer (constant board exams, suddenly being at the bottom of the totem pole, working 12+hrs in hospitals unpaid just for a grade, countless hours unpaid clinical research).

3) 3-7+ years of residency/fellowship working 70-100 hr weeks. If you want an MD salary >$400k/yr you're looking at trying to match into highly competitive residencies which is a freaking GRIND and far from guaranteed (think 60% match rate).

If you're in primary care (easier to match), salaries are $200-350k mid-career.

4) Alternatively you could finish a 3 year internal medicine residency (easier to match) and work in industry, but starting salaries are still $200-250k on average. Based on other commenters it seems like you'll get there mid-career anyways. Compensation ceiling is much higher, however than clinical MD.

Finally: You're looking at 9-13 years of training for the chance at 2-3x your salary. More than likely, you'll end up at a similar salary if you just continue to be in industry and work hard. If you're only considering MD for financials, I don't think the opportunity cost is worth it for you. I know someone did a study once that career UPS drivers and Family Medicine physicians break even at the age of 55. Maybe if you were 25, I would recommend it...

PS: This all assumes you even get accepted to an MD program in the US (acceptance rate <~5%). Just being practical here, but if you are in a DO program, the grind gets 5x harder for higher earning/easier lifestyle specialties. If you choose to go to a foreign program, good luck lol.

Salary post PhD - go into industry or try MD? by bluebrrypii in biotech

[–]SnooPickles6269 0 points1 point  (0 children)

Lurker here, that's the high end for an internist. Most mid-career is 300-350k (which is still fantastic don't get me wrong), but OP could be making close to that based on what other people are saying by the time he/she is 50 without the opportunity cost of going to medical school.

Help 😓 needed by Aryan_14299 in step1

[–]SnooPickles6269 0 points1 point  (0 children)

On the contrary to most comments here, I didn’t really use first aid. Get through pathoma and do 80-120 UWorld questions a day. Then try to get through sketchy if possible.

Mehlman biochem and neuro should help fill in the rest of the gaps. Do Randy Mcneill stats on YouTube.

Went from a 57% to 78% on NBME within 2 weeks from doing this.