I Just Paid Off $300,000 in Student Loans and Now I'm Burned Out!

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@MR3DDev
@MR3DDev 2 жыл бұрын
As someone who quit being a doctor, I fully understand why she wants to quit. Is life draining. Making that much money is useless when you are not home for a big part of the day to enjoy it.
@azteca6695
@azteca6695 2 жыл бұрын
How long has it been, since you quit? And what are you doing now?
@paulvarjak7378
@paulvarjak7378 2 жыл бұрын
If you are a doctor you better not be in it for the money.
@random-nz7dy
@random-nz7dy 2 жыл бұрын
Absolutely. But I feel like if she gave it up completely she might feel like she doesn't mind it at first but when reality sets in that she basically spent all those years going to school and paying off debt only to make virtually no money from her degree. So I feel like she's got to find a middle ground where she stays plugged in either take some time off or reduces to doing like telemed two days a week. I'm a PA that just paid my loans off and if I was in her position having just paid off my loans, I would absolutely have to at least stay plugged into some degree to avoid feeling like I wasted so much time
@thesmartbudgetchannel2940
@thesmartbudgetchannel2940 2 жыл бұрын
Then my question is why waste your time all those years to go to school and residency just to not do it? All that money what a waste
@heygio87
@heygio87 2 жыл бұрын
Amen
@missdesireindependance5194
@missdesireindependance5194 2 жыл бұрын
She should work part-time to keep her license up and still have time for her family.
@mariee.5912
@mariee.5912 2 жыл бұрын
Yes!!
@ThatDoll25
@ThatDoll25 2 жыл бұрын
Agree. Seems like she desperately needs a break. Also during this time i imagine it’s so stressful to work in medicine. If she reduced for a while she may find it appealing.
@joaquinescotoaleman4320
@joaquinescotoaleman4320 2 жыл бұрын
She can also make online medicine and still cash so good money and have time for her kids!
@bighands69
@bighands69 2 жыл бұрын
@@ThatDoll25 She can still have a break but it would be wise for her to keep the license by practising. She could work part time. Such as doing the odd evening and full saturdays.
@synelpt2927
@synelpt2927 Жыл бұрын
You don't need to be working to keep your license active, you just need to do CEUs and renew.
@anthonya2349
@anthonya2349 2 жыл бұрын
So I became a doctor to pay off my debt that I racked up becoming a doctor.
@stuff1784
@stuff1784 2 жыл бұрын
HA! Yep
@coillest8628
@coillest8628 2 жыл бұрын
….now I want to quit. 🤯
@laanierhae
@laanierhae 2 жыл бұрын
I do not understand this at all. I understand taking time off or switching jobs, but to go through all of that education and training, paying off all of that debt, and then just quit? That is baffling. Just take a breather and then go back.
@blackworldtraveler3711
@blackworldtraveler3711 2 жыл бұрын
Yup. That's about it.
@paulvarjak7378
@paulvarjak7378 2 жыл бұрын
And to think beyond the money aspect, that is an enormous chunk of your lifetime to spend on something where you ultimately ended up at zero.
@user-lm6jh4yr6n
@user-lm6jh4yr6n 8 ай бұрын
She’s a mom of 3 and a Dr - in America the “normal amount of maternity leave” is 6 weeks. No wonder she’s exhausted! Go to part time and you you will be 1000 x happier - great advice!
@kleindropper
@kleindropper Ай бұрын
So now you want to pay doctors exorbitant amounts of money to sit at home and be a mom? Can we just skip the "doctor" part entirely then?
@GX2re
@GX2re Ай бұрын
​@@kleindropper Did you not read the last sentence where it says go part time?
@zacharyward3123
@zacharyward3123 2 жыл бұрын
People who don’t work in healthcare don’t get it. It can be psychologically damaging after a few years. Go part time. Reset. When kids get older you can always pick up more hours. Best of both worlds without pissing away over a decade of your life you worked hard to achieve.
@staceyk2274
@staceyk2274 2 жыл бұрын
Absolutely!!
@jonathancajas2932
@jonathancajas2932 Ай бұрын
Agreed. As a nurse I can tell you some physicians don’t get the credit they deserve. They are some of the hardest working people out there and the money doesn’t even come close to being a main reason to do that
@dm96177
@dm96177 Ай бұрын
Yes. Healthcare is exceedingly difficult, especially today. I left clinical practice to work in sales and it’s much easier. I keep my license up just in case but can’t see myself going back.
@SR-gu4tu
@SR-gu4tu Ай бұрын
Bingo!
@Anthony-ok1zc
@Anthony-ok1zc Ай бұрын
@@dm96177 could you please provide some information about how you ended up in sales for other physicians such as myself?
@Swedetwin
@Swedetwin 2 жыл бұрын
It's refreshing to hear that she is willing to live a modest lifestyle and stay home with her children. I'll bet she is an exceptional physician....but her mental health and well-being (and that of her family) are far more important than a hefty paycheck. Every career decision is revocable. I admire her!
@ts3063
@ts3063 2 жыл бұрын
Many women find themselves in similar situations. If I could go back and do it all over again, I believe I’d fight to be a SAHM and wife rather than going for higher education and becoming the breadwinner.
@morticiaaddams1003
@morticiaaddams1003 2 жыл бұрын
@@ts3063 so true 💚
@auomi8762
@auomi8762 2 жыл бұрын
Agreed! I also think the key here is that they paid off the 300k so now she can live whatever life she wants. Often times, we say we want to live a certain way but ultimately can't because some may have loads of debt which then holds everything back.
@KC-dr3cg
@KC-dr3cg 2 жыл бұрын
@@auomi8762 who knows..She may discover a way to use her skills differently..maybe counsel med students.contribute to her rural community..encourage highschoolers toward a better life.. since I grew up in a small town I can attest to the fact that I didn't even know about a lot of jobs that existed so I didn't pursue educational possibilities toward other directions
@auomi8762
@auomi8762 2 жыл бұрын
@@KC-dr3cg agreed!
@saraho3606
@saraho3606 2 жыл бұрын
As a doctor, I found this discussion to be thoughtful, respectful and helpful
@lmelior
@lmelior 2 жыл бұрын
One thing that strikes me about the situation that they didn't mention is that she worked her tail off all that time to pay off those student loans...and thus didn't actually get to enjoy the benefits of making all that money. No wonder she's burned out! By all means, take time off, lots of it, and when you do go back, finally start using those hefty paychecks for some fun. One day's work buys you dinner at the fanciest restaurant in town. Two weeks of work could buy you a week's vacation in the Maldives. Get yourself something flexible and start enjoying life!
@PInk77W1
@PInk77W1 2 жыл бұрын
Paying off loans just gets u to $0.
@PInk77W1
@PInk77W1 2 жыл бұрын
@@ymuly777 good point
@johnSmith-uz8nl
@johnSmith-uz8nl 2 жыл бұрын
@@PInk77W1 It depends what you are paying off.
@PInk77W1
@PInk77W1 2 жыл бұрын
@@johnSmith-uz8nl true. But I paid off my cc and tore it up and have never looked back. Bought my home cash. I have zero debt and big bank. In a laborer and a high school drop out. Life is good
@johnSmith-uz8nl
@johnSmith-uz8nl 2 жыл бұрын
@@PInk77W1 Wanted to add... becoming rich is not about the size of your shovel, it is about how much you can save each week/month and investing those savings wisely. I became a millionaire on a very low salary.
@boredoreos
@boredoreos 2 жыл бұрын
I dated a physician resident, and she was saying there are a lot of people in medical residency that want to just pay off their student loans and then quit.
@mph5896
@mph5896 2 жыл бұрын
Yup, I know some that are ready to bail.
@boredoreos
@boredoreos 2 жыл бұрын
@1 Funnily enough, after I broke up with the resident, I dated and married a nurse.
@gmarie3053
@gmarie3053 2 жыл бұрын
I wonder what they do after with a medical degree?
@VHale-yz7hc
@VHale-yz7hc 2 жыл бұрын
All the ones I know like money too much to just quit lol
@PrincesaMelao
@PrincesaMelao 2 жыл бұрын
Wow …. Really. Interesting
@amandadean3948
@amandadean3948 2 жыл бұрын
Wow, this call was interesting. I can’t imagine putting in all the blood, sweat and tears it takes to be a doctor then just walk away from that. It sounds like she just needs to step back and reset. I wish her the best.
@azores15
@azores15 2 жыл бұрын
Dave's assistant is wrong; doctors aren't motivated by a desire to experience the thrills of the profession. They're motivated by a desire for money and social status. Quite frankly, we would all probably be better off if the job didn't pay so much. That way, we wouldn't have so many of the wrong kind of doctor.
@xiomaragomez6649
@xiomaragomez6649 2 жыл бұрын
She needs couple months off to be with her kids and then try again part time.
@nichtsistkostenlos6565
@nichtsistkostenlos6565 4 ай бұрын
@@azores15 If you have a job that requires that much dedication, education, and competence, then at the end of it all you only get paid an average salary, 90% of doctors would never go to med school. We need more doctors, not fewer. While money can create perverse incentives, not compensating adequately also creates poor incentives.
@azores15
@azores15 4 ай бұрын
@@nichtsistkostenlos6565 As it pertains to medical school, there's no good reason applicants should have to spend four years getting a university degree. The pre-requisites should be sufficient. And it's not the public's fault that residents are overworked and underpaid. That's all just hazing.
@azores15
@azores15 4 ай бұрын
@@nichtsistkostenlos6565 And I never said doctors should be paid an average salary, just that they shouldn't be paid the obscene money that most of them make. Remember, it isn't a victimless crime - the money doctors are paid doesn't grow on those proverbial trees. Somebody has to pay it, and that somebody is everyone who's paying those outrageous health insurance premiums.
@ThreePuttBogeys88
@ThreePuttBogeys88 2 жыл бұрын
This is an extreme example of the sunk cost fallacy. After having gone through all that it’s just soooo hard to walk away. Such a hard choice
@Marthastewart209.
@Marthastewart209. 2 жыл бұрын
Yes! I was thinking the same thing. Sunk Cost Fallacy
@cadavison
@cadavison 2 жыл бұрын
Once she realizes it is a fallacy, it should be easy to walk away. The spell should be broken.
@abdullah7792
@abdullah7792 2 жыл бұрын
@@cadavison easier said than done. Time, brain power, stress, and money have all gone. And for nothing? It's hard to justify walking away after such a sacrifice.
@cadavison
@cadavison 2 жыл бұрын
@@abdullah7792 I don't think you know what "fallacy" means.
@abdullah7792
@abdullah7792 2 жыл бұрын
@@cadavison knowing the definition of "fallacy" won't magically break it. Not that simple kid.
@heatison11
@heatison11 Ай бұрын
Im debt free making about 110k a year right now, single, no kids, I am SO ready to quit my job, take a pay cut for a happier quiet life
@nurse.christian
@nurse.christian 2 жыл бұрын
Burnout for healthcare workers is a real phenomenon. I hope she can balance this situation out. ✅
@TimeisUp22
@TimeisUp22 2 жыл бұрын
Why not take a year off to breathe and go back? Especially if you have the savings for it. Going to school to pay the loans off and quit right after seems like a waste.
@thesmartbudgetchannel2940
@thesmartbudgetchannel2940 2 жыл бұрын
She wasted years of her life
@heygio87
@heygio87 2 жыл бұрын
But its a waste to do something you hate. Buy working part time with no vaccine mandate seems okay.
@bobbyb7672
@bobbyb7672 2 жыл бұрын
Definitely!
@palazzolo85
@palazzolo85 2 жыл бұрын
I agree. Total waste. Go to work. Pile up that cash get completely debt free and enjoy life
@medicgrrl123
@medicgrrl123 2 жыл бұрын
It's alot easier said then done. Sure it's the mature thing etc to do a job you hate, but most people don't understand the vileness that people through at you when you are in Healthcare of any sort. From CNA to Medic to Doctor. It's why people are leaving the profession and there is a shortage of medics Nationwide. It's not worth putting yourself in danger or dealing with the mental abuse you deal with on a consistent basis. And no. No one gets into Healthcare thinking they are going to be an emotional punching bag for patients, co workers and those they work for.
@undecidedtoystore3003
@undecidedtoystore3003 2 жыл бұрын
She kinda gave the impression that she was done with the idea of being a doctor. Honestly, she did the work, studied and paid off the debt. She can 100% retire early if it doesn't make sense for her and the kids. It's great to see a new caller be responsible with their choices! Hope the best for her and her journey as a stay at home mother.
@BetYouHateMeNow
@BetYouHateMeNow 2 жыл бұрын
I think this is the first comment that gets it, a lot of the other people think they understand how stressful these situations can be but that's because they are only focused on the money.
@kingdele01
@kingdele01 Жыл бұрын
Unless you have a developmentally challenged child, kids don't need to be watched 24/7
@nightwings8984
@nightwings8984 8 ай бұрын
I hate to slam reality on you, but thats not how it works. She did the work to start her life, what was the point of going to school, just to pay off the debt? Now is when she should get after it.
@bettygrable6440
@bettygrable6440 4 ай бұрын
@@kingdele01what? Kids are watched at school by adults…?
@bettygrable6440
@bettygrable6440 4 ай бұрын
@@nightwings8984Sunk cost analysis. Who cares what she does if the debt’s paid off?
@jeffmorse5599
@jeffmorse5599 2 жыл бұрын
Just be a telemedicine doc for one of these urget care facilities. Less money less stress and can do it from anywhere
@cometasporelcielo
@cometasporelcielo Ай бұрын
no you can't because of licensure. she's restricted to serve certain states.
@WarmongerYT
@WarmongerYT Ай бұрын
This is a good idea
@ij1376
@ij1376 2 жыл бұрын
Stay at home moms should never be frowned on, they are a treasure. My mom did that and took care of us kids.
@bighands69
@bighands69 2 жыл бұрын
My grandmother raised a family, worked her small farm and worked on other small farms. She is lucky that she is a doctor because there are part time options with that profession.
@xiomaragomez6649
@xiomaragomez6649 2 жыл бұрын
Absolutely agreed. She has paid her dues. She can stay at home for abit, then she will miss patient care. She will go back, hopefully.
@alqoshgirl
@alqoshgirl 3 ай бұрын
Exactly! And no. Your education isn’t a waste. She seriously can pick up her work anytime she wants. The worst case scenario is that she won’t be making as much as her peers or perhaps need to do some extra courses or training. But no way was her education a waste as many falsely seem to think. There’s nothing wrong with taking a break and being with your kids!
@lainedoss2734
@lainedoss2734 3 ай бұрын
My mother stayed home and DROVE ME INSANE! I begged her to leave me alone and get a job. Do something! Staying at home and cleaning and feeding kids is a horrible way to spend your time.
@natalieeubank4533
@natalieeubank4533 2 ай бұрын
@@lainedoss2734says you, but you don’t realize and appreciate what you had I don’t think either, it’s sound like you resented her for all the wrong reasons
@msme9790
@msme9790 Жыл бұрын
I would follow Dave’s advice. As a healthcare worker I understand the burn out. I took off three months after working like a mad woman the year before. Now I work two days a week and I am very satisfied with my life.
@sarazink2237
@sarazink2237 2 ай бұрын
Yup same here! I took 3 years off being a registered nurse after 17 years in healthcare. I am jus now ready to step back into it.
@GX2re
@GX2re Ай бұрын
​@@sarazink2237amazing
@anniesshenanigans3815
@anniesshenanigans3815 2 жыл бұрын
I quit working thinking I would NEVER go back to healthcare, but nothing else would 'do it' for me. I am not a doctor but I agree with the idea that healthcare workers in general are wired differently and tend to be workaholics.. its easy to get back to too much work, even with a break. I took some time off, went back part time, then went back full time..
@travelnurseadventures3225
@travelnurseadventures3225 2 жыл бұрын
@Lesbian Mustard Bottleno, CheapoBunny is correct, I’m a travel nurse and healthcare workers are wired differently.
@bigh8121
@bigh8121 2 жыл бұрын
I hear you on that one.
@JulieTobin-Ruszczyk
@JulieTobin-Ruszczyk 2 жыл бұрын
@Lesbian Mustard Bottle you don't understand the personality of a Healthcare worker of any kind, doctor to technician. Your comment is so wrong. sincerely a Healthcare worker
@Sophie3647s
@Sophie3647s 2 жыл бұрын
In healthcare and I love vacation and time off~ granted if its paid?!😂
@medicgrrl123
@medicgrrl123 2 жыл бұрын
I can't wait to quit working as a medic and never going back. If I could declare bankruptcy and work at Walmart, I would definitely be alot happier.
@emmyty
@emmyty 2 жыл бұрын
Sometimes when the level of burnout is severe, it is healing to look for mundane, peaceful tasks that still keep you busy, but don't require so much mental energy.
@colegreene2153
@colegreene2153 2 жыл бұрын
I loved how open she was to the advice. She didn’t come in here hoping or willing them to justify her wish
@hegerwalter
@hegerwalter 2 жыл бұрын
Well, the other big question for students aspiring to be doctors is, "Is it all worth it?" I know of doctors whose parents told them not to go into medicine.
@awesomewxyz7083
@awesomewxyz7083 2 жыл бұрын
My dad told me not to become a doctor. He said it wasn't worth it. But grass is greener from the other side. Sometimes I wish I had chosen medicine though... Not sure a corporate life is better than a doctor life... Perhaps my dad didn't experience how life was like for others who aren't doctors
@shadypines9929
@shadypines9929 2 жыл бұрын
There are a lot of careers that MDs can do outside of a medical practice. Clinical trial research, medical affairs for a pharma company, medical writing... Many of these jobs can be done remotely.
@jacqueline8566
@jacqueline8566 2 жыл бұрын
Yup!!! And total compensation at a pharma company for MDs/DOs would be substantially more than a clinician for most specialities.
@jacqueline8566
@jacqueline8566 2 жыл бұрын
Oh she said $190K lol She’d make SUBSTANTIALLY more base, & total comp and be able to work from home Some other roles than what mentioned above: medical science liaison, pharmacovigilance, safety science/medical safety, outcomes research, epidemiology, pharmacoepi, project/program management, so on and so on
@bighands69
@bighands69 2 жыл бұрын
Working 12 hours a week as a doctor and coming out with a salary that is very near to the average salary is not a bad option.
@keithwisdom1663
@keithwisdom1663 3 ай бұрын
College professor 😊
@po5tm4n
@po5tm4n 2 жыл бұрын
What solid good advice. Healthcare workers truly are wired differently. I feel bad for even taking a vacation, like I could be doing something.
@paulvarjak7378
@paulvarjak7378 2 жыл бұрын
The exact thing can be said for most high level professions. Engineers, lawyers, construction project managers. Most really high functioning people find it difficult taking vacations or just relaxing. It's call conscientiousness and *not* especially unique to the medical industry.
@heygio87
@heygio87 2 жыл бұрын
It's about prestige, ego , and money
@Dan16673
@Dan16673 Жыл бұрын
My wife is a doc, the field is very tough. I couldn't do it
@jameshorton3692
@jameshorton3692 2 ай бұрын
I’m very proud of this woman but this happens a lot and it’s 100% why we have a doctors shortage.
@Rachel-ul8et
@Rachel-ul8et 2 жыл бұрын
I am a doctor, and when I first started working I also started a family right away (because school took so long I was getting reproductively old. I did not want to leave my baby and would of made a choice to stay at home if I could of. It was hard for all those young child at home years. Now that they are in school I’m so grateful to have work that makes a difference. It’s a calling, but so is being a parent. Praying helps no matter what you
@stewbugz5213
@stewbugz5213 2 жыл бұрын
You sound like a great mom and wonderful doctor! Glad it worked out for you!
@littleripper312
@littleripper312 2 жыл бұрын
This is what worries me when professional woman say they want to quit and stay at home. It's a really difficult situation but a person who is wired to work hard and be busy is going to be depressed when their kids gradually don't need a stay at home mom anymore. Also if there's any issues with the marriage they're now financially dependent on their husband.
@staceystrukel1917
@staceystrukel1917 2 жыл бұрын
@@littleripper312 you know you can work at least part time when the kids are in school, right? Leaving your kids with strangers all day to make more money than you need is not ok. It's greedy. That applies to moms and dads. If dad is more nurturing and mom makes good money, he should stay home. Nobody should be blaming women in this but somehow the kids well being is always forgotten.
@Rachel-ul8et
@Rachel-ul8et 2 жыл бұрын
@@staceystrukel1917 we are all doing the best we can with what we have. Life is complex and ever changing. Lots of prayer is the best guide to navigate the many work/life family dynamics, and the changes that happen over time. What seems like a blessing one day can turn into a curse another. In a complex, long game it’s hard to say what is right, and what is wrong.
@ClearOutSamskaras
@ClearOutSamskaras 2 жыл бұрын
You're no doctor. "would of made..."? "if I could of..."? Jesus Christ!
@erikq9788
@erikq9788 2 жыл бұрын
Just take 3-5 years off eventually when the kid is grown up a little she will get bored. She should go back it’s normal to be burnt out especially if you were paying debt off so aggressively. Take a break and get back into it in 3-5 years
@TheLifeJOGJourneyofGrowth
@TheLifeJOGJourneyofGrowth 2 жыл бұрын
This is the best solution. She will have enough with Kids once they are a little older and autonomous, she will be a little bored and would want to do something else with her life. Just take a break and come back to it in the future.
@comment_account2343
@comment_account2343 2 жыл бұрын
She needs to maintain all her certifications, and keep a foot in the system. Healthcare is not always forgiving to people who take time off because they do not know if you have kept up with your skills and knowledge, definitely easier on the nursing side than physician side.
@paolaristori6179
@paolaristori6179 9 ай бұрын
My mother was a M.D. too. She married and never finished her og-gyn 'specializzazione' as we had in Italy. She was a stay at home mom and she always regretted it. There never were financial troubles at all, her marriage was good but she always hated being just a mother and a wife. She always told my sister and me, do whatever it takes but hold to your profession while having little kids. They will grow and leave you alone in an empty nest. Plus, even if it was never her problem, she always nailed on us: never ever, for any reason, give up your financial indipendence. You must always be able to earn on your own enough to support yourself if god forbid needed, even if your husband earns more than you do. Thanks mom, you were so right.
@icawn
@icawn 3 ай бұрын
I am sorry she regrets being a stay at home mother for you. That is not how it should be. That is definitely not right.
@kellygarvin7955
@kellygarvin7955 2 ай бұрын
Great reply
@paolaristori6179
@paolaristori6179 2 ай бұрын
@@icawn why? She was a stay at home mother to please her husband, the general view of the period since her husband was earning more than enough and also due to contingencies. Thst was it, since after married she relocated from Italy to South America. I understand now she was also very weak more than once and later she regretted it. She loved us and took very good care of us, but she was never really in peace with herself. Problably she was smart but in the '50s and '60s she didn't have the gut to assert herself.
@OUpsychChick
@OUpsychChick Ай бұрын
I believe when we make a decision and feel unhappy with it the automatic assumption is that we made the wrong decision, but that is not always the truth. My mom, like yours drilled into my head that I should find a good profession, stick with it, and maintain financial independence. I have a good, intellectually challenging, and high paying job. Before my kids I loved it and was excited to start each day. That changed for me once the nurse put my son in my arms. Now I resent my job. It burns me out. I dred getting up in the morning and having to do it again and I feel completely trapped. I feel like I have lost time, years, and experiences with my children, and the stress and pressure of my job takes away from my ability to parent well. I agree with your mom soon you will be an empty nester, but in my view that just makes it feel worse, because I could have worried about work then. That has been my experience so naturally I might assume it's better to stay home and teach that to my daughter. I rather not drill anything into her. I hope to help her understand the risks and rewards of either situation so she can make an informed and personal choice where she is prepared to listen to her heart and understand the color of the grass on both sides of the fence. For my situation I do the best I can to make lemonade out of my lemons.
@jasonwilliams3064
@jasonwilliams3064 2 жыл бұрын
She took on the responsibility of the debt and owned it. She paid it off. She put herself in a situation where she earned freedom. I hope she takes the break - she earned it. She can always go back after spending some time with her children.
@andytaylor1588
@andytaylor1588 2 жыл бұрын
It could very well be a case of post partum depression. I hope she does what she needs to do to live a long, wonderful life. Raise the kids and when they all are in school, perhaps get back into medicine.
@stewbugz5213
@stewbugz5213 2 жыл бұрын
Great point.
@xiomaragomez6649
@xiomaragomez6649 2 жыл бұрын
Was thinking the same. Hope she enjoys her family and then continue w her career.
@ross2747
@ross2747 2 жыл бұрын
She is tired of the "Administrators" working from home and having to do what they say........
@skylarcarlson7745
@skylarcarlson7745 2 жыл бұрын
I’d stay at work until the house is paid off, sounds like she could do that In no time. Husbands income would go a lot further after that
@az21bob666
@az21bob666 2 жыл бұрын
She being selfish. By not working. She need to at least work part Pay of the house and save.
@miranda1636
@miranda1636 2 жыл бұрын
I’m surprised they didn’t tell her to just take a few years off, like 1-4 years off until all the kids are in school, then go back to work.
@NasciParaAdorar7
@NasciParaAdorar7 2 жыл бұрын
That's what I thought!
@curiouscat3384
@curiouscat3384 3 ай бұрын
They kind of did. They encouraged her to quit the current job and then figure out over time what she wants to do with her career.
@sparklingpersonality87
@sparklingpersonality87 9 ай бұрын
I’m a lawyer. I can’t wait to be done with student loans in 2-3 more years because the stress of needing a high paying job feels suffocating. The higher the pay, more often the higher the stress. I’ll always want to be a lawyer, but I want to be able to have the option to take a $70/80k a year job. I may stay at my job, but not having the option is rough.
@DLReed-qc4fy
@DLReed-qc4fy 5 ай бұрын
I completely agree with you! Not having debt opens up so many doors for you.
@CroisMoi
@CroisMoi 2 жыл бұрын
She will miss it if she leaves completely. I have treated patients since 1997 and took a break to write books. There is a lot of satisfaction in helping people. But people can be really mean and make you want to quit. The majority are nice, and have no idea how horrible some patients can be. It is hard to get over it when you dedicate yourself to helping people.
@princealmighty5391
@princealmighty5391 7 ай бұрын
Hi I feel burnt out already doctor what should I do
@cramsa
@cramsa 2 жыл бұрын
Became a doctor after all this debt and time and doesn’t want to continue being a doctor… that space could have gone to someone else.
@ykook7000
@ykook7000 Жыл бұрын
And? It happens everyday in the American system look at all the debt vlogs on KZfaq half of them are Americans paying off student loans for professions they don't want to do anymore and degrees they won't use
@mikesmith-wk7vy
@mikesmith-wk7vy 2 жыл бұрын
Take a break or work less hours a doctor has a lot of options, because 120k drop is a big lifestyle change
@blackworldtraveler3711
@blackworldtraveler3711 2 жыл бұрын
Money is everything.
@mph5896
@mph5896 2 жыл бұрын
They just paid off 300k. I doubt it would be any change at all. All that extra $ was going towards debt.
@paulvarjak7378
@paulvarjak7378 2 жыл бұрын
@@mph5896 That's a wild assumption.
@mph5896
@mph5896 2 жыл бұрын
Paul Varjak in their 30’s, paid off 300k in 5-8 years. Attending at 28 or so, under 200k salary. Nothing is wild about my comment, I know the industry. They were living on rice and beans to do what they did.
@travelnurseadventures3225
@travelnurseadventures3225 2 жыл бұрын
Exactly and the longer this doc is out of the field the harder it will be to get back in and be relevant-cause where I work all the doctors are from other countries and some are paid cheaper (on contracts) and they hustle, this caller is dreaming. Doctors are very competitive and so it healthcare-she needs to stay in the field and do teledoc or something-cause she will not be relevant sooner than she thinks.
@SDR-TV17
@SDR-TV17 2 жыл бұрын
Dave Ramsey saved my life ever since I found his content. His philosophy, belief and life approach was everything and anything. Great episode with Kristina, I hope she finds her balance in well being. Money is one thing, family is another but a service to health is also something to keep top of mind. Happy holidays all! ☺️🎄❤️
@AnnMitt
@AnnMitt 2 жыл бұрын
Why can't she work part-time?
@MR3DDev
@MR3DDev 2 жыл бұрын
Most positions for drs are not part time, that one only happens if you work for very specific clinics
@3ofus135
@3ofus135 2 жыл бұрын
She can work part-time in clinics. When I worked in urgent care as a medical assistant, we had full-time and part-time physicians.
@josereyes1148
@josereyes1148 2 жыл бұрын
Am i the only one who could stop working today and be perfectly fine for the rest of my life finding other things to do? I always hear people talk about getting bored. Nope im good. Ill go do things I want to do.
@VHale-yz7hc
@VHale-yz7hc 2 жыл бұрын
No offense to you but everyone is wired differently. And it’s much diff if you have a career you’re passionate about vs just a “ job”
@sauvensfleurinord9084
@sauvensfleurinord9084 Ай бұрын
@@VHale-yz7hcno offense to you but I am 23 (almost 24). I have a masters and have been an engineer for about 3 years but have been doing engineering things for as long as I can remember. I absolutely love my job but if I didn’t HAVE to do it meaning that I was set financially for the rest of my life, I ABSOLUTELY would not be working. I would still be working on projects on my own time when i feel like it but I for sure would quit my job. There are so many other things I rather do and that’s coming from someone who’s entire life is centered around his work.
@kennethelsbury2857
@kennethelsbury2857 2 жыл бұрын
Like Dave said, she's put in a tremendous commitment in both time and financial resources to get to where she is. I think she should also ask herself if, now that the weight of the debt is gone, will there be a renewed sense of purpose or enjoyment in the work now that she can work for her own and her families benefit. She's no longer working for the debt.
@DemetriPanici
@DemetriPanici 2 жыл бұрын
That had to have been SO draining. Respect for knocking that out though
@ver_davis_2007
@ver_davis_2007 2 жыл бұрын
I love listening to Dave Ramsey!!!🎉🎉🎉 Great answer!!!
@rajlakshmip
@rajlakshmip 2 ай бұрын
What a great response. As a new mom I've felt that dilemma so many times and you acknowledged her potential need for intellectual fulfillment in the future but a break in the present.
@kara2162
@kara2162 2 жыл бұрын
That's A LOT of money and A LOT of time to completely give it up. Keep a foot in there.
@isay207
@isay207 2 ай бұрын
Exactly why go through years of training education to be a stay at home parent didn't make sense to me
@Nixonskitchen
@Nixonskitchen 2 жыл бұрын
This is always tough but if I were in her shoes, I would take a lot of PTO this year and have the mindset of weathering the storm to retire very early. With both incomes and such a small amount of house debt left she can stack up a large nest egg and do whatever she wants in a few years.
@gmarie3053
@gmarie3053 2 жыл бұрын
Sound advice but sometimes when you’re done, you’re done
@larabraver
@larabraver 2 жыл бұрын
Exactly what I did at age 42. Also in medicine, paid 325k, built passive income with real estate and now work is optional.
@pattyajones
@pattyajones 2 жыл бұрын
Great job Christina, and GREAT JOB GUYS. PERFECT ADVICE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
@aplanefliesabove
@aplanefliesabove 2 жыл бұрын
That's a major personal investment to become a doctor then become debt free. Definitely take time off for at least a year, and see how it is...
@MsIvebeenthinking
@MsIvebeenthinking 2 жыл бұрын
I LOVE that you have a choice! What a gift. Stay home and enjoy your babies! Ali Abdaal, a KZfaqr, just quit being a doctor and I am sure there are lots of people who have left medicine. We are at a time in the world where people are making very different choices around lifestyle, pursuits, peace, etc…! Love the discussion. Thanks for the reminder that there are far greater things than being a doctor, like being a parent.
@spicerc1244
@spicerc1244 2 жыл бұрын
Delony brings up a good point. This lady became a doctor and paid off $300k. That’s not the type of person of stays home all day.
@BeyondDentistry
@BeyondDentistry 2 жыл бұрын
Leaning hard into that sunk cost fallacy. This mom should do what she wants to. I would keep the license active for sure, but there is nothing wrong with taking a full (walk away) sabbatical to reorient your priorities.
@nichtsistkostenlos6565
@nichtsistkostenlos6565 4 ай бұрын
You shouldn't just walk away from 10 year $300k investments just because one day you feel like it. It's not a clear "sunk cost fallacy" because she is benefitting financially tremendously by staying in. Sunk cost fallacy usually refers to when you're losing money/investment by staying in in hopes of a payoff, the payoff is guaranteed in this case and she's walking away from the direct benefit.
@TheDjcarter1966
@TheDjcarter1966 2 жыл бұрын
I would be sorely tempted to work another two years, you could pay off the house and bank another $250k in retirement. Making $65K having a mortgage payment with three kids is barely comfortable along with $250k in retirement. Now making $65k having no mortgage and $500k in retirement sounds like you are set.
@Tw0HOT4Tv
@Tw0HOT4Tv 2 жыл бұрын
I agree with tour assessment.
@egr3071
@egr3071 2 жыл бұрын
This is me but with a different career. I’m a few weeks from paying off $55k in student loans and I’m burned out from work as well. I definitely feel for her so maybe I’ll just apply to work somewhere else or take a break.
@bighands69
@bighands69 2 жыл бұрын
What is your line of work?
@egr3071
@egr3071 2 жыл бұрын
@@bighands69 Im in public education
@bighands69
@bighands69 2 жыл бұрын
@@egr3071 If you are a teacher and have the savings you could take a career break or even find a part time post. If you are in management it probably would be more difficult to take that break.
@egr3071
@egr3071 2 жыл бұрын
@@bighands69 i am applying to other jobs and I’m also considering a year off. Thanks for your genuine reply!
@jrn3342
@jrn3342 2 жыл бұрын
I was literally about to say telemedicine when Dr John said something.
@razojacqueline
@razojacqueline 2 жыл бұрын
I always thought doctors were rich but now that I watch financial shows I realize they are broke.
@unfairsanic5089
@unfairsanic5089 2 жыл бұрын
More broke than you think
@triiii1303
@triiii1303 Жыл бұрын
It depends on the doc. Some are swimming in it. The spine surgeons I work with probably make upwards of a million a year. You should hear the conversations I listen on from behind the anesthesia drapes. But in this lady’s scenario? 300k of debt to make 190k… terrible ROI indeed
@kingdele01
@kingdele01 Жыл бұрын
​​@@triiii1303 The ROI is actually not terrible! - Working full-time would result in her paying it off within 3yrs - Every year worked after that is pure profit for her & her family. I wish I had a business that made such guaranteed profit 😂! Also, different hospitals pay you different amounts and with years of experience, you could demand more compensation.
@minervagalvez4748
@minervagalvez4748 2 жыл бұрын
Don't quit! HOW ABOUT TAKING SOME TIME OFF??? I know your burnt out but you also have stress in the household too! Take Time to really plan this out...
@arga400
@arga400 2 жыл бұрын
Why the hate in the comments? She paid off the debt, if after paying it off she decides is not for her it's all fine. If she had quit while in debt then yeah it'd be stupid but in this scenario it's fine.
@a.m811
@a.m811 2 жыл бұрын
working is overrated
@godsdaughter8439
@godsdaughter8439 2 ай бұрын
*edit from me*: OVERworking is overrated if you have no debt.
@Vdeepak2011
@Vdeepak2011 2 жыл бұрын
She could go into medical teaching or healthcare admin kinda jobs that’s not too stressful
@csick11
@csick11 2 жыл бұрын
Administration in Healthcare is stressful.
@jill9606
@jill9606 2 жыл бұрын
Teaching is stressful!
@staceyk2274
@staceyk2274 2 жыл бұрын
Those are both highly stressful fields. Also I agree with the earlier commenter - most physicians would never sell their souls to go into admin. Basically on par with big pharma and the insurance companies.
@itsaccer7443
@itsaccer7443 2 жыл бұрын
There’s no such thing as a not too stressful job that pays well
@kingdele01
@kingdele01 Жыл бұрын
​@@jill9606 There is nothing in life that doesn't involve stress. I'll tell you what would be more stressful, having the hi back to work 15yrs later ,(older, more tired with potentially chronic health issues or widowed), whenever your kids need money to go to college
@courtneycarter7617
@courtneycarter7617 2 жыл бұрын
Good advice! This was a good call
@rolandoflores2806
@rolandoflores2806 2 жыл бұрын
Imagine paying $300k for an education and then deciding to be a stay at home mom
@thepowerofthegodhand7003
@thepowerofthegodhand7003 2 жыл бұрын
Stupidity
@nmuganda1
@nmuganda1 2 жыл бұрын
Your kids are only young once. She can always go back to work once they are in school. I think she’s burned out and needs a break.
@Thebootyrater
@Thebootyrater 2 жыл бұрын
Exactly why does this always happen 😂 the dad should just be a stay at home dad with the income she’s making.
@Thebootyrater
@Thebootyrater 2 жыл бұрын
@@nmuganda1 okay but what do we tell men to do that are burnt out and need a break? We tell them to man up because they have a family to take care of. She needs to do the same thing I’m sorry to say it but she makes WAY more then her husband so it’s either that or they make way less money…
@jrn3342
@jrn3342 2 жыл бұрын
@@Thebootyrater It's not for every one. It has it's own unique challenges.
@michealspates2979
@michealspates2979 2 жыл бұрын
There are several doctors who walk away from it when they're done with it. Med School Insiders- Quit, Ali Abdaal- Quit, Barbell Medicine JF- Quit. Those are just three examples of doctors on youtube who got the attention from quitting. Now they all have other jobs but still, there is a way to pivot away from being a doctor.
@bip5395
@bip5395 2 ай бұрын
I just came back to full time work after a year of paid maternity leave AND IT FEELS SO GOOD. I wouldn’t decide for another full year again, unless my kid needed that time (by first one was totally ready for the daycare around 9 months of age..)
@michaelwoods4495
@michaelwoods4495 2 жыл бұрын
Cedar Rapids is a wonderful place. Its only drawback is winter! If you get there, tell Bruce Altorfer that Mike Woods says "Hi."
@Observer100-cn7gv
@Observer100-cn7gv 2 ай бұрын
Girl, some of us don't have children but don't want to return to work. Don't know how mothers do it.
@brenolad
@brenolad 2 жыл бұрын
This makes a great argument for paternity leave. After all that hard work people need a break.
@michaelleahy6848
@michaelleahy6848 2 жыл бұрын
What a change on family finances pressure.
@rachelharrison7961
@rachelharrison7961 2 жыл бұрын
Caller should look into remote consulting opportunities. I guess it depends on her specialty, but there should be something out there.
@theGrayArea2
@theGrayArea2 2 жыл бұрын
Just take a year off, enjoy some time with your family and for yourself. After a year come back three days a week or find a way to make your job fun again, perhaps teaching new doctors coming in
@Jane5720
@Jane5720 2 жыл бұрын
Make sure that you keep up your licenses so you always have that option
@rockymountainspirit738
@rockymountainspirit738 2 жыл бұрын
Dave is so smart omfg
@urszulapiwowarczyk5962
@urszulapiwowarczyk5962 2 ай бұрын
I totally understand her... despite loving my job I got a total burnout from working 6-7 days a week. I was on the edge of closing my business. As a last resort, I limited my working time to 3.5 days a week. It took several months to start enjoying my job again, be more productive in less time and at the same time be happy and have a healthy relationship again. They give good advice.
@marionwalkerjr.7394
@marionwalkerjr.7394 2 жыл бұрын
I ain't gonna lie. I would be mad if my wife decided to stop being a doctor. Dave gave her good advice.
@gemil9933
@gemil9933 2 жыл бұрын
People get burnt out/depressed. Nothing to be mad at, should be understanding for their well-being.
@candy2325
@candy2325 2 жыл бұрын
Bad husband
@marionwalkerjr.7394
@marionwalkerjr.7394 2 жыл бұрын
@@candy2325 I would be mad about my wife quitting medicine. It doesn't mean I wouldn't support her decision.
@patde1264
@patde1264 2 жыл бұрын
You have NO Idea the Stress
@medicgrrl123
@medicgrrl123 2 жыл бұрын
I mean really, if you would be mad about it, you could always go to med school....
@Rachel-ul8et
@Rachel-ul8et 2 жыл бұрын
Pray on it and you will find your path. Life is interesting, and the most interesting people never really figure out what they want to do. You will always be a doctor, practicing or not. That’s yours. You earned it. Now you can do something else. I for one am excited and wish I could see what comes next. Get after it girl. Kick motherhood over the fence and raise some awesome kids that can run the world and have a nice marriage. That degree will always be yours, but it’s not your totality. Sounds like there is more in there. Find out what it is.
@BrianErwin
@BrianErwin 4 ай бұрын
can always come back to practicing when the kids are grown and gone, and i know dozens of doctors who walked away and stayed away. in fact, most youtube physicians are trying to get out and hoping their content takes off. there are hundreds of "i quit medicine" videos on youtube
@shaythiele1320
@shaythiele1320 2 жыл бұрын
That’s a tough one. I would of like too have heard what the husband thinks about the 190 going away
@smhninja3746
@smhninja3746 2 жыл бұрын
The problem with Dave's "rice and beans until you're out of debt" is that it sounds like common sense, but it will burn you out.
@spicerc1244
@spicerc1244 2 жыл бұрын
She wouldn’t have had to burn herself out if she didn’t take out $300k in student loans. You may ask, how else you pay for medicos school? Well she now wishes she didn’t in the first place.
@smhninja3746
@smhninja3746 2 жыл бұрын
@@spicerc1244 so that's your solutions to problems? Go back in time? There are other ways she could get off debt and won't be living on rice and bean but those ways don't alight with Ramsey model.
@spicerc1244
@spicerc1244 2 жыл бұрын
@@smhninja3746 How else do you pay off debt without using your own money? If you don't have the cash to initially go to college then you shouldn't go. Not at that time anyway. Same thing for a house. Save, save, and save. Nobody said it would be quick, nobody said it would be easy. You don't have to go to college at 18. You can save and go later. Anybody who says otherwise, just wanted to party with their friends. She should never have gone to medical school in the first place. It wasn't for her if she can't afford it - and that has proven to be true now that she hates it.
@kingdele01
@kingdele01 Жыл бұрын
It depends! For a single person, one can do something similar without being really burned out. But for a person married with kids, it might be a harder pill to swallow.
@Rashaadthegr8
@Rashaadthegr8 2 жыл бұрын
I have been burned out from dead-end jobs but I have never been burned out from something I love to do. NOt saying it doesn't exist but it's better than being homeless or in debt.
@mariacorretge6615
@mariacorretge6615 2 ай бұрын
I'm a burnt out doctor too, don't quit! Slow down, slow down, the rural hospital sounds a great idea.
@Apsaramain
@Apsaramain Ай бұрын
Being a mother is also draining. Having a foot in work is actually very helpful for being balanced and keeping connected to who you are.
@jacobl5488
@jacobl5488 2 жыл бұрын
190 is so nothing for a doctor. She needs to renegotiate.
@kensmith2796
@kensmith2796 2 жыл бұрын
That's actually pretty standard for a family practitioner and she lives out in a rural area in the midwest.
@triiii1303
@triiii1303 Жыл бұрын
@@kensmith2796 no it’s not
@jgg204
@jgg204 2 жыл бұрын
Spending time with family and being able to enjoy your days how you see fit, as a reward for paying off debt, is perfectly acceptable. In fact, isn't having more freedom as a result of removing the debt handcuffs one of the goals? Financial and time freedom
@samsmullen991
@samsmullen991 2 жыл бұрын
I'm think depending on her specialty if she was burned out from the job or from being away from her young children while paying off student loans. If it wasn't from the job, she can always go back to work once her young children are old enough to attend school. But if she's burned out from her job, it's really difficult to go back. Only thing that's going to force her to go back is for the financial reason. I went through burned out stage in my career and never rejuvenated before going back to work due to financial reason.
@skateata1
@skateata1 3 ай бұрын
I can relate to this a lot from the sports perspective. Ive been doing the same sport for 12 yrs and I can't imagine staying away for more than a year. I literally shaped my personal and work schedule so that I could continue.
@2967_
@2967_ 2 жыл бұрын
She made three babies while doing a demanding career. She deserves a break. She might be having post partum. It's time her husband step up.
@lynnebucher6537
@lynnebucher6537 2 жыл бұрын
That's what I thought. Three babies on top of hectic work schedule, no wonder she's fried.
@internz4259
@internz4259 2 жыл бұрын
She wanted those babies
@Georgeqaws
@Georgeqaws 2 жыл бұрын
Double standard. What makes u think he hasn't stepped up? Would u say that if the man was the doctor and the wife was staying home taking care of things and going to school to start a career? I doubt it. It probably has made sense for the man to stay home because of her high debt and higher income.
@isay207
@isay207 2 ай бұрын
Her choice why do people have multiple kids then complain about them
@CMHMom23
@CMHMom23 2 жыл бұрын
You don’t need someone to tell you to take a break. Take a break until your youngest is in preschool.
@rabd3721
@rabd3721 2 жыл бұрын
This is a great problem to have.
@fatuma2954
@fatuma2954 Жыл бұрын
My best friend just quit her job as a Nurelogist. She is now going to work for a pharmaceutical company making double her salary working 9-5pm. I suggest you take a 1-2 yr break and figure it out.
@AllIAm1
@AllIAm1 2 жыл бұрын
Definitely take a year off; that’s why Canada has paid maternity leave for 12 months
@hollon1697
@hollon1697 2 жыл бұрын
So why did she become a physician in the first place? Women need to think long term before undergoing this path
@barryetherton4889
@barryetherton4889 2 жыл бұрын
Good advice.
@dimjad7933
@dimjad7933 4 ай бұрын
I've did it. It was toughest decision and still paying the price.
@azores15
@azores15 2 жыл бұрын
Somebody else didn't get into medical school because she DID get in, and that person probably would have made a lifetime commitment to the profession. And now she wants to drop out. It's a waste of her own - and someone else's - education.
@upgradednigga
@upgradednigga 2 жыл бұрын
Reverse the roles and this is a crazy call
@paperthin8794
@paperthin8794 Жыл бұрын
medical field is a fast pace changing field, because once you leave, it might be a lot harder to submerge back into the field.
@maxusadoc2011
@maxusadoc2011 2 жыл бұрын
I would suggest to become an online medical coder or CDI ....Great income for a licensed physician who wants time off with the kids..... Plenty of companies who are willing to hire you once you become AHIMA certified! Good luck. BTW , I am still struggling with my Med School debt!!
@ukrd94
@ukrd94 2 жыл бұрын
Take time off. Let that time make the decision. Trust me...you WILL want to work. Human beings are mobile beings and we cannot stay still doing the same thing for long. You will eventually miss what you do and go back to work. Hence why your husband is working. You get tired and bored of not working. Just take tine for yourself. You paid your dues. Take some time. Then go back at it. You are debt free and have an amazing income. Enjoy life ;)
@sucessology7570
@sucessology7570 2 жыл бұрын
Amen to this guy 🙏🙏
@littleripper312
@littleripper312 2 жыл бұрын
The doctors and nurses in my family worked part time when they had kids. The doctors became GPs and worked 2-3 days a week.
@marcussmith4333
@marcussmith4333 2 жыл бұрын
Good god, as a husband I wouldn’t know how to truly react to this props to them
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