/biz/ - Business & Finance

>>17961664
jesus christ 400k to prescribe isotretinoin to teenagers

>>17961664
expect to be robbed and raped by a pack of hungry niggers at least once a weak

Divorce her ant get a bitch that makes 400k also so you can live in a mansion together and have beautiful kids.

If you allow lifestyle creep to take hold you will end up no better than you are now. Live fairly frugally and make the right plays, you will be rich in 5 years.

>>17961664
You will pay half of that to taxes, and another fourth of it to malpractice insurance.

>go to medschool
>prescribes accutane for every mild acne case
>children born with defects because that shit is genotoxic
>collect good boy dollars for sitting in uni and jerking off professors for a decade

you get to enjoy a slightly higher quality of living and then burn in hell for eternity after you die

>>17961664
I can't wait for your wife to divorce you

>>17961664
OP what are all costs associated with training?

>>17961664
lol fuck that just buy link fag

>>17961707
And cutting out cancers and shit

>>17961752
B-b-but I like her...

>>17961755
Based. That's my plan. I have been living like a pauper lately just to accumulate crypto. I think I will continue.

>>17961808
That's why we require 2 forms of birth control before prescribing accutane. I'm on it right now.

>>17961872
Rude.

>>17961935
I will graduate with like $220K debt, plus the opportunity cost.

>>17961962
I already have 10K . Still accumulating

stop being a faggot

>>17962067
Why would anyone pay this much for dermatologists? I don’t get it. Don’t you need to at least start your own practice to reach those $s?

Pay your loans off if they’re greater than 6% APR, otherwise let it ride

Save a ton of your money and keep lifestyle inflation down

>>17962067
OP is your wife pulling the 55k a year or are you actually adding that on top of her income. I'm writing quantitative right now but you can't be pulling other people into this.

>>17961664
Studies have found once you get past I think it was 120k you no longer get more happiness from more income.

You will do well OP dermatologist have little room for malpractice. That doesn't mean you can't get rekt at any moment for whatever reason.

Never forget it's all an illusion.

>>17961664
op what is this red patch on my inner thigh?

after 6 weeks i got same red patches on my other thigh and on my back as well. it's not itchy.

>>17962464
fungus

>>17962476
anti-fungi medicine is not effective

Okay, I covered some of the basics here for you OP.
So 220,000,debt*(55k*4,income)=220,000. The 220k income will likely be taxed at a minimum of 32.72% leaving you with a post tax net income of $148,016.
That leaves you at -$71,984 at the end of those 4 years if you continue on your current path. If you continue on that path and do pull $400,000 per year after training. That means in year 1 you would have an assumed income of $216,000 after taxes (35% Federal and 11% local), giving you a net of $144,016, with debt being paid off. Year 2 income would be the same, $216,000, giving you a net of $360,016 by the end of year two.

Let’s assume you could have gotten a job paying $18 an hour (national average is $23.96) instead of schooling for those 4 years. That means you have $18/hr*40hrs/wk*52wks/yr*4yrs=$149,760. $149,760*25.65% tax rate gives you a net positive of $111,346.56 at the end of the 4 years. Now let’s assume at 4 years in you made the national average of $23.96, that would give you about $49,836.8-29.37% of that equaling about $35,199.73. This would give you an assumed net worth of $146,546.29 by the end of year one. By the end of year two it would be about $181,746.02.

1/2

>>17962067
>2 forms of birth control

jesus christ you are even more of a monster than I thought. I was talking about male sperm defects anyway. How can you even give teratogens to females in this day and age, they just need another excuse to kill their child. It does enough harm to the patient let alone their offspring

I should state that by year 1 in the second circumstance means the proposed year 1 AFTER what would have been schooling. It would actually be year 5, then 6.
Anywho, what we can see here is that it took you a full 5 years minimum to outpace your costs incurred vs other opportunities, but you must also understand that jobs are disappearing left and right. So wages can fall a whole 5-16% minimally. Competition is growing, birthrates are dropping, so a contraction is definitely happening before your eyes, and is still unfolding to this day. On top of that, the hours vested into the schooling etc. would likely be maybe 35% more than just working 8 hours a day 5 days a week. This is assumed of course. Meaning your actual year two for the first option would be far less with regards to opportunity cost. So OP, you tell me. Which is better? (Keep in mind $100 today is worth more than $100 tomorrow) So if your money was invested in circumstance 2, at 11% growth per year, you need to factor that in as well.

>>17961664
Expect being disillusioned with the whole thing if you don't have hedonistic desires. Medical field is really over inflated just because they can.

>>17962067
reddit

>>17962187
She's pulling in 55K per year currently

>>17962787
So that 55k year isn't actually yours and you threw the equation off entirely. I'm not doing it again, but really you're a FLIPPING ADULT. YOUR GF'S INCOME IS NOT YOUR INCOME. RUN THE NUMBERS AGAIN AND STOP BEING SUCH A ONIONS BOY THAT CAN'T INTO NUMBERS.

>>17962464
I would see a dermatologist. Its probably nothing but it could be cutaneous lymphoma (mycosis fungoides) which can sometimes present subtly as a faint red patch.

>>17962627
>>17962675
Based. Thank you, financial analyst anon. Any tips for investing my earnings?

>>17962787
I should also add in that people that count other people's incomes as their own are actually the most socialistic, childish people I have ever met. instead of outpacing at year 5 or year 6 it may actually be 75% greater than that. Grow up dude.

>>17962855
Bond ladders, look for market bottoms, stay away from corp bonds. Treasuries might be your friend. We have a long ways to go before the *entire* market starts leveling off. The stock market is just an offshoot of the actual economy so bear that in mind.

>>17962464
hey not to freak you out but my mom had something that looked exactly like that before she got terminal skin cancer. good luck bro

>>17962833
Dude , we are married. She is not my girlfriend. We have a joint bank account and file taxes together. We live together, buy everything together, and I inject her weekly paycheck into ETH

>>17962932
>Dude , we are married
>falling for the marriage jew
get ready to be assraped when she leaves you and takes everything