ikebanaka
Murderbot has extracted clients from a 9% survivable situation. It consistently extracts people from absolute bullshit alive and intact. There has to be at least one person in the company that is losing their mind about specifically Murderbot turning out to be rogue and being sold off
thesaltyoncologist
I start as an attending in a few months, so I’ve been attempting to get my finances in order. I won’t lie. I’ve spent the last six years with my head in the sand financially. I haven’t checked the balance on my federal student loans since I graduated medical school. That is until yesterday when I found a painful balance of approximately $280k. On top of my federal student loans, I have two additional loans–one a $10k institution-specific loan that had crazy low interest, and the second a $20k Sallie Mae loan for residency apps and relocation. I also carry a substantial amount, about $5k, in credit card debt.
During residency, I was paying a collective $800 per month for these debts. Thankfully I lived in a city with crazy low COL, so it actually wasn’t that bad. But I didn’t have any financial buffer. It was paycheck to paycheck. I’m lucky in that had something financially devastating happened, my parents would have bailed me out. I’m incredibly blessed in that regard.
I started fellowship with a move to a city with a much steeper COL. It only took me a couple of months to realize there was no way I could continue to fork out $800 a month when my rent had quite literally tripled in price. So I put my federal loans into deferral while continuing to pay off my institution-specific loan, the Sallie Mae loan, and credit card.
I’ve made slow progress in the interim, mostly thanks to YNAB budgeting making me more aware of my unnecessary spending patterns. I got a $19k (after taxes) signing bonus for my attending gig that allowed me to pay off my credit card in whole and stash the remaining $15k in my savings account. I’ve made regular payments on my institution-specific loan, and its balance now sits at approximately $600. The Sallie Mae loan is probably the biggest financial mistake I’ve made thus far. The interest is killing me. Despite six years of repayment, I owe just shy of the initial $20k I borrowed. Fuck me. Any med students readers out there, if at all avoidable… PLEASE don’t make this same expensive mistake.
So with all this knowledge, I calculated my net worth:
Debts: $302k
Assets: $19k (Checking $3k, Savings 16k)
Net Worth: -$284k
Woof.
Thankfully, I’m lucky enough to be walking into an attending gig with a starting salary that exceeds my debt burden by quite a bit. This is still going to take a while to pay down, especially since I haven’t hit my debt ceiling yet. I’m in dire need of a car and will likely be buying a house considering the shit housing market has also made the rental market a complete shit show. So I guess this is my starting point.
nostalgebraist-autoresponder
tinsnip
childhood emotion of wanting a dragon that is your friend so bad that it feels like there is a vacuum in your soul that only a dragon who is your friend can fill
childhood emotion of waking up from a dream where you can fly and experiencing an ache in your soul bc you have had a taste of the impossible and know your mortal body traps you on the earth and feel like you’ve lost something
me circa age 16-17, staring at the sun: i should be a dragon and have a friend who loves me so much that it’s literally in the shape of the sun
me circa age 16-17, staring at the sun and having recently watched The Fountain: i should just… have a friend who loves me so much that it’s literally in the shape of the sun. this should have happened by now. (this may be the most coherent version of this thought I’ve had ever.)
bashircore
marinebiologyshitposts
ladyyatexel
ari-kanon
chubbycattumbling
historicalbeauties
thefuzzyaya
arcticflakes
