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  • IlliniGopher IlliniGopher 
    Participant
    Status: Physician
    Posts: 98
    Joined: 05/03/2017

    dollar cost averaging

    "Comparison is the thief of joy." - Teddy Roosevelt

    in reply to: Lump sum 401k contribution in January? Pros/cons. #239856 Reply
    IlliniGopher IlliniGopher 
    Participant
    Status: Physician
    Posts: 98
    Joined: 05/03/2017

    Feedback to Mr. Xrayvision, how about some “can you afford it” scenarios which are more nuanced and not blatantly idiotic.

    Click to expand…

    I just sent one in.  Let’s see what you guys have to say.  Roast away.  It’s more nuanced.  I have been struggling with this one purchase for a while.  My wife is probably changing clinics, so the move is inevitable.  It’s more a matter of WHEN.

    "Comparison is the thief of joy." - Teddy Roosevelt

    in reply to: CYAI – 3rd house? #239817 Reply
    IlliniGopher IlliniGopher 
    Participant
    Status: Physician
    Posts: 98
    Joined: 05/03/2017

    Regardless of if they can or cannot (worse if they cannot) — just suck it up and do it yourself. You’ll feel like you have achieved something. I finished $400K of my own and my wife’s $300K will be done next summer (hers all in Canada).

    Granted, the older generation’s tuition was what we pay in books and houses cost what cars do now — having your folks bail you out is why our generation gets crapped on. I am 34 and a parent (context).

    "Comparison is the thief of joy." - Teddy Roosevelt

    IlliniGopher IlliniGopher 
    Participant
    Status: Physician
    Posts: 98
    Joined: 05/03/2017
    Earnest refinancing bonus

    Also, the academic model of hospitalists does not make sense at all.  At our tertiary center, specialists put in their own daily orders and discharge stuff.  Why would it make sense to have the hospitalists enter EVERYTHING.  Highly inefficient and thus specialists working in parallel makes so much more sense for through-put.  I don’t feel like “an order monkey” at all.  It’s more about driving the care forward, planning, communicating.

    "Comparison is the thief of joy." - Teddy Roosevelt

    IlliniGopher IlliniGopher 
    Participant
    Status: Physician
    Posts: 98
    Joined: 05/03/2017

    Your job is very night heavy.  My group works 167 shifts a year of which – 6.5 (avg) nights, 12 evenings.  RVU productions ~4600/yr.  Salaries about $320K.  I can work this job for 30 years no problem.  My wife works as a PCP, it is HARD WORK.  I would only do a fellowship if you cannot live life without it.

    "Comparison is the thief of joy." - Teddy Roosevelt

    IlliniGopher IlliniGopher 
    Participant
    Status: Physician
    Posts: 98
    Joined: 05/03/2017

    Personality, birth order. @fatlittlepig

    "Comparison is the thief of joy." - Teddy Roosevelt

    IlliniGopher IlliniGopher 
    Participant
    Status: Physician
    Posts: 98
    Joined: 05/03/2017

    I grew up on free lunches at school (didn’t know why), living in a 2 bedroom apartment with my family (older brother).  We were poor, but happy.  Food security was never an issue.  Family of 4 on my father’s graduate school salary and my dad worked as a custodian as his side hustle.  The benefit my brother and I had as kids was knowing there was a way out (via education).

    Fast forward 30 years.  My brother loves stuff.  Buys shit all the time.  $1.3 house, 2 luxury cars, many watches (>$10-20K each).  I am pretty sure he doesn’t save for his kids’ college.  I went the opposite direction.  Frugal, separate needs vs wants, minimalist.  If I worry about breaking/damaging it, then I don’t want to be a slave to it and won’t buy it.

    Same parents, same upbringing, polar opposites.

    "Comparison is the thief of joy." - Teddy Roosevelt

    IlliniGopher IlliniGopher 
    Participant
    Status: Physician
    Posts: 98
    Joined: 05/03/2017

    I bought a house 2 years into my job.  I have been at my job for 5 — going to stay 20-30 years.

    That said, why rush when you don’t have kids yet?  RENT!  As a parent of a 2 year old, we are already thinking of moving 3 years from now.  Similar to liking your job — family planning can change your home needs.  Good luck.

    "Comparison is the thief of joy." - Teddy Roosevelt

    in reply to: How much house? #234566 Reply
    IlliniGopher IlliniGopher 
    Participant
    Status: Physician
    Posts: 98
    Joined: 05/03/2017

    SWEET.  Thanks!

    "Comparison is the thief of joy." - Teddy Roosevelt

    in reply to: Superfunding 529 #233062 Reply
    IlliniGopher IlliniGopher 
    Participant
    Status: Physician
    Posts: 98
    Joined: 05/03/2017

    I would go only if FLP is there.  #Hospitalists

    "Comparison is the thief of joy." - Teddy Roosevelt

    IlliniGopher IlliniGopher 
    Participant
    Status: Physician
    Posts: 98
    Joined: 05/03/2017

    Very true.  Generally, we have a great group.  Nights and evenings are manageable.  I actually trade them all out for days, sacrificing some shift pay, so I can hang with my fam (2 yr old, wife is part time).

    "Comparison is the thief of joy." - Teddy Roosevelt

    in reply to: Hospitalists: Is it easy to find part-time positions? #226393 Reply
    Liked by RocDoc
    IlliniGopher IlliniGopher 
    Participant
    Status: Physician
    Posts: 98
    Joined: 05/03/2017

    6 evenings, 4 overnights.

    "Comparison is the thief of joy." - Teddy Roosevelt

    in reply to: Hospitalists: Is it easy to find part-time positions? #226382 Reply
    IlliniGopher IlliniGopher 
    Participant
    Status: Physician
    Posts: 98
    Joined: 05/03/2017

    Group is ~70 people

    "Comparison is the thief of joy." - Teddy Roosevelt

    in reply to: Hospitalists: Is it easy to find part-time positions? #226354 Reply
    IlliniGopher IlliniGopher 
    Participant
    Status: Physician
    Posts: 98
    Joined: 05/03/2017

    We allow people to decrease over time, but have only once hired at partial FTE. They (0.5 FTE) do the same amount of nights/evenings as full time, total 88 shifts a year. About $150K (not including benefits).

    "Comparison is the thief of joy." - Teddy Roosevelt

    in reply to: Hospitalists: Is it easy to find part-time positions? #226353 Reply
    Liked by Tim, angeladiaz99, CM
    IlliniGopher IlliniGopher 
    Participant
    Status: Physician
    Posts: 98
    Joined: 05/03/2017

    benign_user is a total troll.  prob loves to look back to see the responses.  lame.

    "Comparison is the thief of joy." - Teddy Roosevelt

    in reply to: What is the income of physicians? #223885 Reply
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