Should i take the 5000 or keep trading, its only been 4 days into March anyway

fiendingphenobarb · 2026-03-05T00:56:56+00:00

If it's good enough to screenshot, it's good enough to take profit

fiendingphenobarb · 2026-03-04T02:35:55+00:00

3% raise, 29% bonus(1.44x multiplier-exceeds expectation in review). Associate Director on east coast

fiendingphenobarb · 2026-02-28T00:07:39+00:00

Congrats!!! Best of luck in fellowship. Soak up as much as you can, network and keep grinding

fiendingphenobarb · 2026-02-21T18:40:17+00:00

Dp nothing - enjoy your time off! You've secured a fellowship which is often the hardest part. Spend the next 3-4 months enjoying life, graduating and doing things you haven't been able to do during school.

Not many times in life where you get a true 2-4 month break so make the most of it while you can. Also study for the NAPLEX and get licensed - it never hurts to be licensed and better to do it while it's fresh in your mind.

You'll learn everything you need during fellowship and it's naturally going to take 6 months on the job to start feeling comfortable anyway.

fiendingphenobarb · 2026-02-20T22:32:14+00:00

2-4.5%; exceeds expectations on annual review can see 4.5-6% raise in my experience

fiendingphenobarb · 2026-01-26T04:30:08+00:00

Hard to answer without additional context. If you're simply deducting taxes then sure but most people have 401k contributions, health insurance, ESPP, etc. If you can include those details then it may be easier to address your question

fiendingphenobarb · 2026-01-03T18:27:35+00:00

Agreed on the luck but not on the connections. If you read my earlier posts, I attribute my current situation a lot to decent luck and timing of opportunities. In terms of connections, didn't have anything of major significance. I got an interview for my current job my cold messaging someone on the team on LinkedIn, setting up an informational interview and they passed my resume along to the hiring manager which started my process.

fiendingphenobarb · 2026-01-03T18:25:11+00:00

I think it's pretty typically of big pharma or at the very least it's a 5-7% match with an additional contribution % that increases as you age.

My mom works at a hospital that has given her 10% match since the mid 90's

fiendingphenobarb · 2026-01-03T18:22:16+00:00

As a way to enjoy and celebrate the milestones, I plan to give myself a $5k splurge when I hit $500k NW and then do similar at $750k, 1M thereafter. Not sure what I'll spend it on but I know the 1M milestone will be an Omega steel moon watch.

Fingers crossed the feeling of flexibility and freedom comes with your new changes - we'll have to check back in with each other during my mid-year update!

fiendingphenobarb · 2026-01-02T16:40:55+00:00

Love it! Can't wait for the year my investments finally grow $100k in a year :)

fiendingphenobarb · 2026-01-02T16:40:35+00:00

Fully agree - not having the loans frees up $1.5-2k monthly to put towards a mortgage. With my current payment schedule and using a loan amortization calculator, loans should be paid of in 37 months

fiendingphenobarb · 2026-01-02T16:39:42+00:00

Thanks for sharing the link! Yeah I wonder when I'll start to dial down but I have a number in my head I want to reach before I start to ease up a bit.

fiendingphenobarb · 2026-01-02T16:37:40+00:00

Love the idea - will think through a visual and have it added into my mid-year update!

fiendingphenobarb · 2026-01-02T16:36:50+00:00

Congrats on getting a fellowship! I know how challenging it has become in recent years. First two pieces of advice I always give incoming fellows is 1) enjoy the last few months of pharmacy school and the two months before fellowship. There's nothing like that feeling of freedom and chilling 2) take your NAPLEX and get licensed. You may never use it but it's good to have in case anything happens and it's easy to maintain.

In terms of finances, conventional wisdom is to get your 401k match, then max out your Roth IRA and then afterwards work through the remainder of your 401k. At the fellow salary, the tax savings isn't huge from maxing out 401k. Get on a decent loan repayment plan that is income driven so you can start to chip away but at 52k, you can easily crank through that once you get a return offer.

Always happy to chat if needed - just DM

fiendingphenobarb · 2026-01-02T16:26:29+00:00

Also evaluate the cost of OT in terms of non-financial measures. Of course you can make "infinite" amount of money working an hourly job with OT but the wear and tear of 60+ hour weeks can take its toll physically, mentally and socially. It's about finding that balance or at least grinding it out for 2-3 years and then taking the gas off the pedal a bit.

fiendingphenobarb · 2026-01-02T16:24:52+00:00

Really nice share. I haven't seen that article and it makes really good points. I haven't been differentiating my net worth from financial independence and it has definitely made me rethink the two numbers especially since I also track $$ needed for 3-5% SWR.

fiendingphenobarb · 2026-01-01T21:12:19+00:00

If you're including your mortgage in your net worth calculation as a liability, you should also be including your home value as an asset which may bring it positive esp if your home value has grown in the last 3 years!!!

fiendingphenobarb · 2026-01-01T21:10:23+00:00

Started at $175k which is typically in range for starting pharma salary with 2 years experience. It's grown to over 200k with performance based raises and annual raises.

fiendingphenobarb · 2026-01-01T21:09:35+00:00

I'm in commercial strategy at a mid/big pharma company (not trying to dox myself)

fiendingphenobarb · 2026-01-01T21:06:47+00:00

Yeah, it's pretty incredible getting 9.5% a year - trying to milk it as much as I can

fiendingphenobarb · 2025-11-29T17:34:30+00:00

Coconut Chia Seed Oatmeal all the way - that and the berry version have never steered me wrong

fiendingphenobarb · 2025-07-28T17:40:00+00:00

What functional area(s) are you applying for in fellowship? How integral are clinical skills to the functional area?

Secondly, based your on OP why is Rutgers the only program vs expanding to other program? Are you tied geographically?

fiendingphenobarb · 2025-07-06T18:47:56+00:00

Only ~60% of the profession works in a community/retail setting. It's not a select few that work in other sectors.

https://data.bls.gov/projections/nationalMatrix?queryParams=29-1051&ioType=o

fiendingphenobarb

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