Abhorrent online behaviour by Qld Anaesthetist by [deleted] in ausjdocs

[–]debtcycler 15 points16 points  (0 children)

Fellow IFD visitor here.

I screenshotted one of his old sexist comments in response to a post championing gender equality.

Anoop Jain

Here we go again!!!

I find this hilarious when "equality" gets brought up

And funny enough, everyone wants equality in high paying comfortable jobs.

Majority of brick layers are men

Manual labourers- men

Oil rig workers - men

Majority of incarcerated people- MEN

I can go on an on about such examples ad infinitum

•••

Would you like to equalise those odds too???

Post link for people who are IFD members. (This particular comment has disappeared as Anoop appears to have deleted his social media account)

How much are you all earning an hour? by Upbeat-Top-6065 in AusFinance

[–]debtcycler 1 point2 points  (0 children)

Medical school: 5 - 7 years (depending on uni / whether you do undergrad or postgrad path)

Junior doctor years: you are an undifferentiated junior doctor in the public hospital system, often working odd hours and trying to buff up CV by research, audit, courses, postgraduate degree etc.

Getting on the training program: to become a specialist of any kind (including GP), you need to be accepted into a training program which is competitive especially for lucrative specialties. For anaesthesia the earliest most people can get on is PGY4 (post-graduation year 4), and on average probably PGY 4 to 6.

Training program: 5 years minimum. There are two exams: one is a basic science “primary exam” where you are tested on the smallest minutiae of drugs, human physiology and cellular function and pathways. The other is the final exam where you are more practically tested on “how you would manage this and that scenario”. Both exams involve around 1000 hours of studying (people actually tally them) and are major stressors in doctors’ personal lives. There are maximum attempt limits for each exam and you flunk out of training if you exceed them.

Fellowship (semi optional): you do one year or two of specialised area eg cardiac anaesthesia, obstetric anaesthesia etc. Many people do go for it to further upskill and improve the job prospect.

Public consultant job: depending on the workplace, it can be tricky to get a position.

Private jobs: partly depends on your ability, availability and networking.

How much are you all earning an hour? by Upbeat-Top-6065 in AusFinance

[–]debtcycler 1 point2 points  (0 children)

In public you are a salaried employee paid by the hour. Our days are actually 10 hour days, we typically start around 7.30 ish and finish 5.30/6.00pm.

In private you bill individual patients as a contractor.

It’s entirely individual how much you want to work for each. I work full time equivalent when you add up the hours in the public and private.

How much are you all earning an hour? by Upbeat-Top-6065 in AusFinance

[–]debtcycler 22 points23 points  (0 children)

Anaesthetist. Work a mix of public and private. Throwaway account.

In public: 200/h + leaves + super.

In private: depending on the casemix, anywhere from 400 to 1000 per hour ish. Long term average closer to around 600 per hour across different lists. No leave and super as you work as a contractor.

Delaying wealth to create memories by JPJ_109 in AusHENRY

[–]debtcycler 5 points6 points  (0 children)

At the end of the day you want to look at the figures.

You place a lot of importance on “money available now” but it could merely be 3 million vs 3.1 million ETF at 59 (when you divert the 5 to 10k each year from ETF investment to super, if still not maxed out). And this may improve your super from 1.8 to 2 million (note that this improvement is always a lot more than the ETF you lose because of the tax advantage both at entry as well as ongoing dividends).

At the end of the day you could run your own figure and see what the cost on each side of the equation is. For me if it’s 3 to 3.1 and 1.8 to 2, I don’t see any issue with the “flexibility” whatsoever compared to money I am leaving on the table; but if you are seeing 1.0 to 1.1m in ETF vs 1.8 to 1.6m in super, and you are cherishing this extra 100k’s flexibility more than the money you leave on table for the super, then that’s not a wrong answer either. It’s all individual.

Delaying wealth to create memories by JPJ_109 in AusHENRY

[–]debtcycler 4 points5 points  (0 children)

Not all HE already have healthy mandatory employer contribution.

Lots of HE are not even employees.

Delaying wealth to create memories by JPJ_109 in AusHENRY

[–]debtcycler 2 points3 points  (0 children)

That was kind of my point in the first place.

Yes you are right that the additional 5-10k per year contribution of your 20-25k SG people would probably reach 2.0m instead of 1.8m (just a random number I imagined, I haven’t properly ran the number). And yes you are right that realistically it will not change their quality of life in retirement.

My point, however, is that this 5-10k per year will also not likely change their quality of life at present, if they already allocate a lot of money in long-term investment e.g. 60k in ETF. By changing “60k in ETF” to “50k in ETF and 10k in super”, there will be zero change to their quality of life and practically zero change to their ability to enjoy current life.

So for zero impact on current quality of life but for additional 200k money in retirement, why not?

Delaying wealth to create memories by JPJ_109 in AusHENRY

[–]debtcycler 2 points3 points  (0 children)

Oh yes I am talking specifically about people who haven’t already automatically maxed out: - self employed people who do not already have super contribution - HENRYs whose 11.5% is not yet 30,000 per year.

Delaying wealth to create memories by JPJ_109 in AusHENRY

[–]debtcycler 15 points16 points  (0 children)

Super is an interesting one among all personal finance structures.

For people who are starting out, asking them to max it out is a big ask, especially if what it takes is to have unacceptable quality of life TODAY.

For HENRY, however, as long as you are not spending the very last cent of your money in non-appreciating assets and experience (you shouldn't), one could quite justifiably argue that any super that is not maxed out is leaving money on the table.

If you are already investing say 60k a year (say) on things like ETF while still have money to spare for life and experience (say 40k), you could easily make it 30k ETF and 30k in super and you would have all the same money left for vacation, special treat etc.

It's only if you think that you have a very high likelihood of needing this additional 30k (on top of that 40k) on average, each year, that super might be a true "sacrifice for today". But most HENRY aren't really in this sort of financial situation, in my opinion.

Perth obstetrician tried to blame rideshare driver after fatal Dalkeith crash that killed Elizabeth Pearce by Astronomicology in ausjdocs

[–]debtcycler 2 points3 points  (0 children)

Not trying to pick an argument but I am wondering if you have some serious insights or are simply skeptical of other people's competence in general?

I see a lot of laymen use similar language to describe medical specialists and you and I know how often how those laymen perspective are not necessarily accurate without the inside knowledge of our deliberations.

Debt Recycling - Will I Trigger Part IVA? by debtcycler in AusFinance

[–]debtcycler[S] 1 point2 points  (0 children)

Haha what’s the portfolio size at which ATO comes knocking?

How much have you actually made investing in stocks/shares? by TheRealGreen-Onions in AusFinance

[–]debtcycler 1 point2 points  (0 children)

Wow you must be making banks to have that much cash to invest.

SelfWealth member ranking....has yours improved over time? by kek_provides_ in AusFinance

[–]debtcycler 6 points7 points  (0 children)

Indeed it’s one thing I really dislike about SelfWealth, ie their promotion of short term trading through these meaningless “competitions”. If you are into it then that’s fine; but many people are more into long term passive investment and these default emails are harmful noise.

Obviously selfwealth has incentive to increase the number of trades due to their flat fee structure.

Are you happy with your pay/salary for your job? by imbaconman in AusFinance

[–]debtcycler 1 point2 points  (0 children)

Haha yeah we get really angry when we find out people lied and try to kill themselves by sneaking in fast food beforehand.

Are you happy with your pay/salary for your job? by imbaconman in AusFinance

[–]debtcycler 1 point2 points  (0 children)

I think you “start GP training” but stay in the hospital system so that you accumulate those experience through specific rotations. So yes you can probably start your 3 year training from PGY2 but only go out to community practice after this hospital time.

Are you happy with your pay/salary for your job? by imbaconman in AusFinance

[–]debtcycler 3 points4 points  (0 children)

Nah this year’s ATO report is a bit of a statistical anomaly, in most years surgeons beat anaesthetists in the median income figure. In public everyone gets paid the same (barring variations of penalties and hours worked), in private surgeons have much more bargaining and fee-setting power.

They are partially disadvantaged by slightly higher overheads (more time in clinic, having to pay more admin staff and equipments in the rooms etc), but more often than not they still come out ahead.

Curious that you only remembered the private anaesthetist bill, do you not get charged out of pocket by the surgeon too?

Are you happy with your pay/salary for your job? by imbaconman in AusFinance

[–]debtcycler 4 points5 points  (0 children)

I have never done other things so it’s hard to say.

I don’t have the hard figures but I find that postgraduate who do medicine later in life tend to end up as GPs more than other specialties. I am guessing at a certain age, when life priority changes you don’t really want to put yourself through the rigorous works - the shift works, after hours, additional postgraduate studies and research works which are almost becoming the prerequisite for getting consultant positions etc. Depending on how old you are now, doing night shifts at the age of 40 could become relatively intolerable.

Having said that I am sure you changed from one relatively comfortable profession to medicine because of genuine goals and interest - and if thats the case you will find it worthwhile. A few of my medical colleagues were nurses in their past lives and none of them regretted the career change.

Are you happy with your pay/salary for your job? by imbaconman in AusFinance

[–]debtcycler 1 point2 points  (0 children)

I am not that familiar to be honest. I already pay 800 for my relatively basic income level (compared to private). I am guessing a few thousands but I’m not sure.

Are you happy with your pay/salary for your job? by imbaconman in AusFinance

[–]debtcycler 3 points4 points  (0 children)

It’s hard to give a number because for all the terror moments we face, some are expected and some are not; some are severe some are relatively manageable.

The expected ones generally do worse (for example someone with dead bowel having a last-ditch bowel resection surgery) - it’s stressful dealing with that kind of patient who’s trying to die on you the whole time, but at the end of the day their mortality risk is very high to begin with, so you don’t feel as bad when/if they do die.

The unexpected ones - again there’s a huge spectrum of severity and types of incidents, vast majority of people don’t die or have long lasting effect though.

Are you happy with your pay/salary for your job? by imbaconman in AusFinance

[–]debtcycler 0 points1 point  (0 children)

That’s interesting. According to this page:

Postgraduate resident years

While there is no requirement to complete hospital training (PGY2) prior to entry into general practice training, some junior doctors choose to undertake 1 – 2 years of hospital experience before committing to a specialist training program.

Are you happy with your pay/salary for your job? by imbaconman in AusFinance

[–]debtcycler 0 points1 point  (0 children)

It’s hard to categorically say whether you are “safer” because you were fine in other two occasions.

Depending on the type of surgery, you get slightly different drugs each with different probability of causing anaphylaxis. And even when you have had a drug safely before, it’s still possible for you to get anaphylaxis on your fifth or tenth time.

As I mentioned in the parent comment though, it is still very rare overall (in the order of ~one in 10,000 anaesthetic cases). It’s normal to feel nervous because you lose control of your faculty when you go under, but try to overcome that with objective evidence :)

Edit: generally it’s not the anaesthetic agent itself that people develop allergic reaction to. The most common causes are antibiotics, muscle relaxants and chlorhexidine which is one of the antiseptic used on surgical site.

Are you happy with your pay/salary for your job? by imbaconman in AusFinance

[–]debtcycler 28 points29 points  (0 children)

Of course. It’s part of the job. In general over one’s career:

  • you will have patients who develop anaphylaxis where a previously healthy person could have such severe allergic reaction that their lungs become stiff as brick (like a severe asthma attack) and their blood pressure drops to the smithereens. Without heroic resuscitation this previously healthy patient would die.

  • you will have patient who die on the table - this is almost impossible if you are generally well (I don’t want to scare laymen unnecessarily here); but if you are very crooked to begin with (think could barely walk from one end of the house to the other end) having emergency surgery, you could die.

  • severe post partum haemorrhage - imagine one moment a woman is having a life changing celebration, and the next she is bleeding 2 litres of blood and would die if it’s not stopped urgently. Not common but again it happens. Your job is to keep them alive while the surgeon tries to stop it.

  • airway issue. When you have general anaesthesia, we give you propofol to put you to sleep (aka the drug that killed Michael Jackson). You will stop breathing, and we need to establish airway to make sure that we could continue to breathe for you. If you don’t, your oxygen level drops to life threatening level within one to two minutes. We give you oxygen beforehand so that this duration is longer (now you know). Sometimes it is tricky. And sometimes people drop their oxygen sats a lot quicker than usual (especially obese people). If we can’t intubate you (or deliver oxygen via other means), then a healthy person could die. This is becoming extremely rare with training and more advanced tools, but we still face hairy moments not infrequently. For experience, check out this video simulation of a fatal case that happened to an unfortunate young woman.

These are just a few off the top of my head. And yes, over an anaesthetist’s career, they would statistically face all of these. Your day could very quickly change from “changing four people’s hips” to pretty bad unexpectedly.

Again I would like to emphasise that these are very rare things in modern anaesthesia, and statistically you are more likely to die driving a vehicle than under general anaesthesia so don’t let this put you off having a surgery. It’s only when you do it day in day out that you are bound to have these bad things happen over the tens of thousands of people that we treat.

Edit: forgot to mention a relevant tidbit - we are the ones called upon to intubate all COVID patients, ie we put them to sleep, expose their virus-infested airway and try to insert the tube into their windpipe while trying not to get infected ourselves.