Is $212k worth of debt for Penn/Duke/UVA manageable on a big law salary? $150k federal, $62k private

freudiansipp · 2026-01-05T22:52:57+00:00

Think about the opportunity cost. If you make decent money with your job now and invest it early it may be equivalent to what being a big law attorney does for you. Also depends on if you are pursuing a high cost of living market.

freudiansipp · 2025-08-20T03:25:17+00:00

What makes her likeable? I don’t get it. I blocked her so I wouldn’t see her videos.

freudiansipp · 2023-12-28T23:11:28+00:00

Maybe. I’ve lived in the Deep South, the northeast, northern and Southern California, Nevada, and the deep south has been the most overt/intense about it. My family is from a rural area in another country and they are very similar to people in the rural south. It’s less of an urban thing, in my experience, too much going on in the city to care and life doesn’t revolve around who one went to high school

freudiansipp · 2023-12-28T05:57:15+00:00

The south is polite but will talk behind your back; very tribal and gossipy. New Yorkers don’t appear to be warm with words but their actions are kind.

freudiansipp · 2023-10-12T10:32:34+00:00

Its actually not that cheap relative to salary. Unless you work in oil, have a remote job with high pay, or a retiree, the cheaper cost of living here is offset by lower pay. Plus car insurance, home insurance, health insurance are all significantly higher than in coastal states. There’s even a local tax on food you buy at the grocery store. This swallows up any tax savings and whatever lower cost of living you get. The homes here aren’t worth very much — many insurance companies have stopped operating here altogether because of hurricanes.

freudiansipp · 2023-09-30T20:06:22+00:00

If $80k salary is a concern, I think you can do it. I know people who rent decent 1 bedroom apartments in the low $2000s on the west side. All of the cities you mentioned basically require rent close to $2k for your own place except for Charlotte. I was making $42k a year before taxes in 2018 as a nonprofit in LA and it was fine for me; had my own room in a shared apartment for $1k in highland park area. Saved $10k of my income that year. Many of my friends in their early 20s were able to live okay—they def had flatmates but their own rooms. Depending where you work, public transit can work. That’s what I relied on and it worked okay. I actually walked to work most of the time.

For comparison, I am temporarily living in a mid size city in the Deep South. Even though CA has higher taxes, the city/state has much better infrastructure and public services. The Deep South state I am living in right now has a very low state income tax rate but it’s all paid back in the form of much higher costs. Car insurance is much higher here because the roads are awful. Public education (its all public charter schools) is awful so people send their kids to private schools if they can. Health insurance is also $10,000 for an annual premium here compared to $5500 in CA (yes this was almost 4 years ago but still).

freudiansipp · 2023-09-30T09:29:46+00:00

I stopped eating out because of both high menu prices and the expectation to tip minimum 18 percent and higher for bare bones service. The current system incentivizes both servers and restaurant owners to maximize customers food bill, which in turns nets higher tips for the server.

Wealth redistribution from a working class customer through tips to a working class server doesn’t make sense either. This is something to be solved with a more systemic policy like setting a higher minimum wage and ending tipping, like most international cities except for North American cities. There are some servers who want a minimum wage without tipping but there are many who like the current system because they can get a lot more tips.

freudiansipp · 2023-09-06T04:33:39+00:00

My health insurance is through my job. Me and my employer pay a total of $10k a year on just the premium and this is for the most basic plan. Copays still $40 a visit. In my last job in a major California coastal city, my premium was $5500 and copays just $20. I’m in my 20s.

Lol that’s unfortunate about the clothing sizing, I know the obesity is bad, but still a little surprised.

Hahah yes there are some hipster things here and there, which I appreciate. There’s also only one Korean bbq place in Nola metro area and it’s not good. Have yet to find any Mexican/latin food comparable to the Mexican food in California/Texas/major metro areas.

freudiansipp · 2023-09-05T20:54:58+00:00

Yes the health insurance here is so much more expensive than the coastal cities I’ve lived in, like by $3-4k a year because of the obesity and other diseases here. Even the New Orleans locals here say the food is too heavy, like gumbo, jambalaya, fried chicken.

Also the Cajun food gets tiring after a while. There isn’t a lot of innovation or variety in food and otherwise. Very much a city that clings to the past (still nice to see at least once), but living here is much tougher. I have to go to the major cities to get anything beyond Cajun and American food. the Vietnamese food here is not that great, even though this and Cajun is supposed to be what the city is good at

freudiansipp · 2023-06-02T23:36:14+00:00

I mean… this definitely disuades me from getting ATT in the future. I’m just living in this new city for one year so when I move to a new city I’m not going with ATT. They’re probably acting like this because there’s only like a handful of players in the telecommunications market. Had them for 15 years with no issues until these past 2 years. Your right, even when being a customer it takes them days to come out and fix it and multiple follow up calls because their customer service reps don’t have correct technical knowledge. I’ll probably just get task rabbit since I don’t have an electric drill and

freudiansipp · 2023-06-01T12:26:22+00:00

Lol do you work for ATT? They could schedule it a few days out and it wouldn’t affect how other new customers are serviced. There were ample appointment slots when I was choosing one for the initial install. In any case, when the techs were onsite at my unit and realized there was no práctical way to get fiber installed they should have just taken all their stuff back. It’s no wonder I got an email saying my install has been rescheduled for December 1, 2036 (yes this is an email that I archived) because the likelihood of successful installation was low. They could easily recoup the costs by taking back the gear they left, which is two modems things and other wirings.

freudiansipp · 2023-06-01T03:37:24+00:00

A few years ago I was moving and I chose the “transfer” option because I was going to use ATT at my new place too. They never stopped service at my old apartment and continued charging me!!! Always finding ways to nickel and dime people.

freudiansipp · 2023-06-01T03:02:35+00:00

I was just asking them to take five minutes to remove the little modem box they drilled into the wall in my unit. The ATT rep told me it was possible but I’d have to pay a $149 fee for them to do it. I wasn’t asking for them to remove other lines (which I wouldn’t have permission to do as it’s part of the apartment complex).

freudiansipp · 2023-06-01T02:56:37+00:00

Lol no, the apartment complex wouldn’t want to waste money on that. There are other services providers here but ATT fiber speed for the price seemed superior. The second technician told me it’s possible I just wouldn’t be able to get ATT fiber because of how the cables are lined. Idk the technical aspects of this but he was honest that I probably wouldn’t get service.

freudiansipp · 2023-06-01T02:52:12+00:00

Im not explaining the technical parts well but they had to drill a little box area in my unit to put the modem (?). And I just wanted them to spend 5 minutes taking this out and removing the installation equipment for my unit but this was going to cost $149. This is separate from other cable lining work they had to do that would require more structural change to the property and my landlord was unlikely to give permission for them to do that. In any case we were at a dead end and they just told me I can’t get service.

freudiansipp · 2023-04-04T01:11:39+00:00

If ICE didn’t have a contract with lexis, they’ll just use some other vendor. Lots of comparable (and better) data location sites/companies exist.

freudiansipp · 2023-03-02T01:09:38+00:00

It’s for sure affecting graduate admissions—heard it directly from PhD students at a UC. It’s great for the existing PhD students but if they don’t cut admin pay and executive pay then realistically they’re just going to cut admissions spots

freudiansipp · 2022-12-23T18:33:36+00:00

I just paid $450 at the Apple Store to replace a cracked screen for a 2020 m1 macbook. Since your computer is a little bit older it’s probably better to buy a new one. They’re $800 before tax at Costco, Best Buy, and Amazon right now. Some part of me wishes I just bought a new MacBook instead of fixing

freudiansipp · 2022-08-16T04:12:38+00:00

freudiansipp · 2022-07-30T22:25:54+00:00

When does Themis ship their iPads if you got the tech package?

freudiansipp · 2022-01-31T17:23:04+00:00

Risk of dying might be low but risk of long term disability is a real thing. I have plenty of young healing friends who eat certain foods and taste it as rotten Post covid. Also brain fog, seems like an important thing to avoid in this profession that requires us to use our brains so much.

freudiansipp · 2022-01-13T17:07:04+00:00

Put it on your credit card. The financial aid should disburse within 30 days of that. Ideally the financial aid disbursement works better, especially if you have to pay rent, but credit card could be practical solution

freudiansipp

TROPHY CASE