Tired of reading that pharmacists "don't make much money"

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PharmDstudent said:
You rent a condo and "rent" a Lexus. Talk about being loaded. :rolleyes:

This is the kind of condo that I want to OWN.


No, no, no. It's 4% now. And the match on it is dollar for dollar plus a variable, not 2 dollars for dollar plus a variable like it was.
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Two things:
1. HOLY COW!!!!!!!

2. 4% eh? Ah.... the wife must know about this newly discovered tidbit.
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i'm sorry but that place is ugly as sin. money can't buy you taste :(
 
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PharmDstudent said:
OP, you remind me of this woman... Let's all be 50 and have nothing to show for ourselves. :thumbdown:
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I used to have a pharmacist friend who became a hoarder (yes, her house looked like something from the TV show, and she even had a cat die in the mess and couldn't find him :( ) and even though she turned 65 a couple years ago, I just know that she has not retired because she has no savings. I had to end the friendship because of her refusal to acknowledge, let alone treat, her serious and steadily worsening psychiatric issues.
 
Dkpharm said:
i'm sorry but that place is ugly as sin. money can't buy you taste :(
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It's definitely over-the-top. Just the type of place that I was looking for. ;)

rph3664 said:
I used to have a pharmacist friend who became a hoarder (yes, her house looked like something from the TV show, and she even had a cat die in the mess and couldn't find him :( ) and even though she turned 65 a couple years ago, I just know that she has not retired because she has no savings. I had to end the friendship because of her refusal to acknowledge, let alone treat, her serious and steadily worsening psychiatric issues.
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That's awful!

Supposedly, Generation "Y" will need 2 to 3 million dollars just to retire. :eek:
 
I agree and disagree with the original post. I agree that we as phamacists make good money. We are definitely not poor and anyone who thinks we are needs a serious reality check.

I will say, that 100K+ plus is not as much money as I thought. I understand that you may be able to live quite a lavish lifestyle, but keep in mind tha your parents made some pretty good decisions and were able to give you a lifestyle that a lot of people are not able to have.

I was married and had two kids while in pharmacy school. My parents made some pretty sh***y life decisions, drugs, debt, etc. We were very poor. I know how to stretch a dollar, but I dont like too. I drive a nicer car than I should. My wife and I just purchased our first home, a very modest but nice home. We have paid off all of our credit card debt, which is nice. I make minimum payments to my student loans and I am losing a bunch of interest in the process. I have a term life policy to protect my family. We do not go without, but there is not a bunch of money left over at the end of the month and about the only place I could probably skimp, would be on my car (and it wouldn't free up much money).

Things get tight on occassion and we complain, but when I look at my life from the outside, we have things pretty damn good. With all of my expenses I just dont have a bunch of extra money to throw at my loans, so I have decided to just keep doing what i'm doing. If I did have some extra money, it would be going to my student loans. I would love to be able to sock away 2500/month to my loans, but it just isnt possible.
 
another reason to live in a more rural state: cheaper rents and trailer park rents. If I moved home I'm sure I could find a good somewhat luxurious 2 bedroom for <$500. Combine that with a part time job and IBR, put your earnings in the hands of someone you trust , sit back , pay a couple hundred per month on the loan , or buy a small (75k) house , put it in trust or a friends name , and wait for that loan forgiveness. Not many other professions will earn you 50-60k for a 2 day/ week job. The IBR on 50-60k is only a few hundred bucks a month!

Conclusion : peoples perceptions of pharmacists level of affluence depends strongly on geography and more importantly , level of ASSETS considered by people to constitute affluence or financial freedom .
 
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confettiflyer said:
Isn't the nissan leaf made in tennessee?
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http://www.levelfieldinstitute.org/files/scorecards/US_v_Foreign.pdf

American cars provide the most jobs. Don't get me wrong though, an American assembled car is better than an entry level luxury Toyota (aka Lexus) or a Krautmobile (VW) that are entirely assembled offshore.

If you insist on blowing money on cars, think American muscle (Challenger, Taurus SHO, Cobra, Corvette, etc)...Lincoln...Cadillac...giant ass SUV. Why? Because, again, if you insist on wasting money on a car like an idiot...it doesn't help ME as much in an indirect fashion if you buy foreign. Ergo, I must encourage you to buy domestic. It's rather simple, really. But I do insist that all of you blow through your resources like crazy. Get the economy rolling. Get my company stock some more value. That'd help me nicely.
 
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I guess the complaints can depend on state. Where I live, you can live very comfortably on 50k a year if you save your money right.

The new car thing does baffle me a bit though. I can understand why people would want to treat themselves with a new car, assuming they drive a clunker (right now my car is older than me!). However, there are plenty of used cars here that are in practically new condition in the 7k - 10k range. If you're fine with gently used, you can still get a nice car with 3 - 6k, though of course, this depends on the type of car you want. Stickshifts tend to be low miles and cheap, and I've noticed that Toyotas never go down in price - a Corolla with a comparable around of years and miles on it may be twice as much as a Cavalier.
 
jasonkido said:
I agree. Interest on borrowing too much can literally cause you to become a slave to your employer. Just working to make ends meet. I would not want to live like that knowing that I depend on each pay check. The only debt I have right now is a mortgage and yes that is a huge debt but I have a plan to pay off my mortgage as quickly as possible just like I did with my student loans. I am still putting in 401k and am still using some of my leftover income on a few luxuries here and there.
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Keep up the good work! We paid our mortgage off almost 3 years ago. It's the best thing we ever did. I was 34 years old at the time, and we have 2 kids. It is possible! Living with absolutely no debt brings unbelievable freedom.

Sacrifice now to win financially later.
 
rph74 said:
Keep up the good work! We paid our mortgage off almost 3 years ago. It's the best thing we ever did. I was 34 years old at the time, and we have 2 kids. It is possible! Living with absolutely no debt brings unbelievable freedom.

Sacrifice now to win financially later.
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Wow, that gives me hope since you had 2 kids and was still able to pay it off by 34 years of age. I hope to get to that point in 4-5 years and I'm about to be 26 in feb so I think I will be on pace sans kids lol
 
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God, I love living in America where this is an issue. 47k is pretty close to today's average Gross HH income...and this is your take home after putting 15% in a 401k.

The fact that you can call this lifestyle anything but luxurious mystifies me.
 
DelawareStudent said:
God, I love living in America where this is an issue. 47k is pretty close to today's average Gross HH income...and this is your take home after putting 15% in a 401k.

The fact that you can call this lifestyle anything but luxurious mystifies me.
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I for one cannot wait to think of that as not being all that great. :thumbup:
 
WVUPharm2007 said:
http://www.levelfieldinstitute.org/files/scorecards/US_v_Foreign.pdf

American cars provide the most jobs. Don't get me wrong though, an American assembled car is better than an entry level luxury Toyota (aka Lexus) or a Krautmobile (VW) that are entirely assembled offshore.

If you insist on blowing money on cars, think American muscle (Challenger, Taurus SHO, Cobra, Corvette, etc)...Lincoln...Cadillac...giant ass SUV. Why? Because, again, if you insist on wasting money on a car like an idiot...it doesn't help ME as much in an indirect fashion if you buy foreign. Ergo, I must encourage you to buy domestic. It's rather simple, really. But I do insist that all of you blow through your resources like crazy. Get the economy rolling. Get my company stock some more value. That'd help me nicely.
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But but, all of those cars are so heavy and the engine is in the front.
 
American cars are mostly garbage, admit it. If it wasn't for Obama's bailouts, GM would have been down the drain. I am an American and I proudly drive a Japanese car because it is fast, efficient, cheap and beats any American counterpart. (We don't allow them to have a large military so they spend most of their time improving their economy which leads to better technology). German cars are better too. Americans do not innovate, they are lazy and the companies should change or die.

Free market economy > "buy American".

Watch some Top Gear. For example, they put this Toyota pickup through so much hell (lit it on fire, dropped it from a building, etc.) and it still started.
 
Shnurek said:
American cars are mostly garbage, admit it. If it wasn't for Obama's bailouts, GM would have been down the drain. I am an American and I proudly drive a Japanese car because it is fast, efficient, cheap and beats any American counterpart. (We don't allow them to have a large military so they spend most of their time improving their economy which leads to better technology). German cars are better too. Americans do not innovate, they are lazy and the companies should change or die.

Free market economy > "buy American".

Watch some Top Gear. For example, they put this Toyota pickup through so much hell (lit it on fire, dropped it from a building, etc.) and it still started.
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I guess you are okay as long as the floor mats do not slide under the gas pedal causing you to crash and die.
 
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Shnurek said:
American cars are mostly garbage, admit it.
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They aren't. When was the last time you drove a US car? The Ford Fusion blows away every Jap car in the same segment....which I'm going to assume is the segment you speak of. If you said Korean, rather than Japanese, I could see your point of view...Kia and Hyundai are great companies...but Japanese autos are on their decline.

German cars are better too.
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This is false. Audi and VW are among the least reliable cars out there. Mercedes, however, is very dependable...though you overpay for what you get. Outside of the status symbol, naturally.

Americans do not innovate, they are lazy and the companies should change or die.
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The Chevy Volt disagrees. It's actually ahead of its time, if anything.

And if you've paid attention to anything, GM reclaimed its status as the #1 carmaker in the world last year. Sales at Chrysler (now half Italian owned...but its the same American union labor) have skyrocketed due to the new 200 and 300 along with Jeep and Ram. Ford has always been solid, but ******s that don't know what they are talking about lumped them in with GM and Mopar. All three automakers made massive profits last year, are growing, and have very bright futures.

Free market economy > "buy American".
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That type of thinking is called "race to the bottom". It's hard for properly compensated labor to compete with their Asian counterparts. The Germans are having similar problems, but they are smart enough over there to "buy German". Of course, the Germans aren't as stupid as Americans and realize that labor is the driving force of every society. Where in America we think the plutocracy is. But this is a subject I've rambled on enough on this forum. If you can't spend 20 seconds to realize how bad buying a $15,000+ machine from a foreign company over a domestic company is for the economy (again, go to jobspercar.com and look it up)....there really is no point in reasoning with you.

Watch some Top Gear. For example, they put this Toyota pickup through so much hell (lit it on fire, dropped it from a building, etc.) and it still started.
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That show is stupid. And I'm pretty sure that a lot of cars would START after being dropped of a small building. Trauma to the engine carriage wouldn't necessarily happen. And, further, if you buy a car based upon how well it starts up after being tossed off a building, you are a ****ing idiot. Because when the hell is that going to happen other than never?
 
As a guy who has owned a bunch of different cars over the years, I'll chime in my personal experience.

I've had great luck with GM products. My daily driver is a 99 Silverado ext. cab 4wd with 239,000 miles on it. It still runs perfectly, and has been very reliable. I like that parts are very easy to find for this thing, and that virtually any service shop in the country can service it if I need help. This is the vehicle I prefer taking on long road trips for these reasons.

We also own a 99 Toyota Land Cruiser. This has by far been the most reliable vehicle I've ever owned in 20+ years of driving. In almost 10 years, I can count on one hand the number of repairs it has needed. My dad has had similar experience with his Honda's and Subaru's.

We own 2 older BMW's, an X5 and a 540i. These are SWEET cars to drive! But they break A LOT. If I didn't do most of the repairs myself, than I would be in the poorhouse. Finding parts is difficult, either dealership or online only in my area. If I do need help with a repair, it must be done at a European specialist shop. These cars aren't for those looking for cheap, reliable transportation, but most that buy these already know that.
 
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DelawareStudent said:
God, I love living in America where this is an issue. 47k is pretty close to today's average Gross HH income...and this is your take home after putting 15% in a 401k.

The fact that you can call this lifestyle anything but luxurious mystifies me.
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The thread is the perfect example of "First World Problems" :D
 
I've only heard bad things about Volkswagen. They break down a lot and are expensive to repair.

My first car was a Saturn (GM), and I had no major issues with it. All of its repairs were normal wear and tear ones. I just bought a Ford Focus, and the only issue is that the dual clutch shifting can be a little slow at times. It is always easy to find replacement parts for GM and Ford products.
 
I had one VW - never again. :thumbdown: It was a POS and repairs were exorbitant.
 
Aestatis said:
However, there are plenty of used cars here that are in practically new condition in the 7k - 10k range. If you're fine with gently used, you can still get a nice car with 3 - 6k, though of course, this depends on the type of car you want.
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When I recently did a pretty thorough car search, the only cars I saw in this range with that mileage were salvage titles. There are two recent factors: 1) Cash for Clunkers hit the area hard - the bottom end of the private used market hasn't come back, and it's inflated price on what would have been listed there. 2) A freak hail storm hit in October 2010. It did enough damage to total many, many cars - you would still get a salvage title for this sort of situation. It's nigh impossible to tell a relatively innocuous hail salvage from a wreck. (The storm was bad enough that I got a new roof on my house out of it, and I wasn't in the worst hit place.)

I'm sure this is a difference between markets, but I looked for that gently-used car, but the 7k - 10k range was ending up with at least 65k+ miles or abused cars.

Stickshifts tend to be low miles and cheap,
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Maybe that's my issue. I'm not comfortable driving stick. :oops:

and I've noticed that Toyotas never go down in price - a Corolla with a comparable around of years and miles on it may be twice as much as a Cavalier.
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Cavaliers are crappy cars, whereas the right year Corolla will live forever.

Car Thread Alive! :laugh:
 
My car has 170k miles and runs like a champ, just regular fluid changes. Whether it is the beach, snowy mountains (have to love AWD) or just cruising in the city...it gets me there without a hiccup. Completely paid off;) I will drive it until the wheels fall off.
 
WVUPharm2007 said:
The Chevy Volt disagrees. It's actually ahead of its time, if anything.
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Lolol chevy volt are you kidding me. That car weighs almost two tons and its still a "compact car". It costs $40,000. I'll take my $20,000 (base model $15,800) Mazda 3 2011 weighing about 1000 lbs. less which makes it faster (0-60 2 seconds faster) and gives it WAY better handling.

Lets say you drive 12,000 miles a year average:
Chevy Volt : Overall combined gasoline-electric fuel economy rating of 60 MPG so 12,000/60x$3.25(estimated cost per gallon)= $650 a year in fuel.
Mazda 3 2011: 30 MPG combined so $1300 a year in fuel. (2012 version = 40 MPG)

$40,000-$20,000 = $20,000/$650=30.8

So without even counting depreciation you would need to drive the Volt 30.8 years before it matches the Mazda 3 in price+fuel.

I'm good.

Hybrid cars are good but just not worth it yet. Once oil skyrockets then MPG will actually matter more than it does. But since the USA exports more oil than it imports, I see no issues here in the near future.
 
PositivePharmD said:
Awval, I never stated I am not saving for retirement or that I have no money set aside for periods of financial hardship. Of course, I am I did not decide to rent a nice place and lease a good car as soon as I graduated. I was living in a room paying under 500 dollars per month for several months after graduation in order to save some money. So, don't be so quick to judge when you don't know the facts.

Apparently, some people on this forum think living well and saving for the future is mutually exclusive. Here's one advantage I have: I DON'T depend on credit cards. I have ZERO credit card debt. If I cannot pay something fully in cash, I am of the mentality that I simply cannot afford the "object" of my desire. Simple as that.

With respect to WVU, if I'm not mistaken he used to or currently lives in a trailer [very little associated expenses] and at least used to drive an old car. You know what? That's fine- I respect those decisions. But, WVU, please keep in mind that not everyone is used to living under such circumstances. My parents are both professionals and we used to live well and within our means. If you can afford a nice apartment, car, or a vacation and can save money as I am doing, then I don't see the problem with my choices.

The reality is that people go to school to get ahead in life financially, contribute to society, and PROSPER. Why should I bust my you know what for eight years and then live as a student for more years to come or live a quality of life/standard of life well below what I can reasonably have? The definition of prosperity takes on a different meaning for everyone. For some people, to prosper means having a large sum of money in a bank account. For others, it means having zero debt. And then there are others who feel that having a nice pad, being able to take a vacation, etc... is characteristic of prosperity as long as you can afford it.

If living the same quality of life that a person making forty thousand dollars per year is living is the "responsible" choice, then what was the purpose of going to pharmacy school and making more money? Not every M.D., Pharm.D., DDS, JD, etc.. wants to live the same quality of life they had before going to school. Like I said above, people usually go to school to ENHANCE their standard of living. Unfortunately, some of you make it seem like it's irresponsible living and make the assumption that I am not saving. Well, you guys are wrong. But read back to what I was saying: I have no credit cards, don't spend on frivolous things I don't need, etc.

And, WVU, I know what you think about people who drive nice cars such as Lexus, BMW, etc. If you want to think I'm driving a Lexus as a "status symbol" or because I am one of the douchebag individuals who drive these cars, then so be it. But don't judge. This is not "good old affluenza".

So, to sum things up: I live well, have zero credit debt and other obligations, and save money for retirement [but am not obsessed with the concept as I am also down to earth and my two feet are in the present as well].
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>ignores debt that will amount to hundreds of thousands
>sets aside a few grand
FINANCIAL RESPONSIBILITY ACHIEVED.
 
spacecowgirl said:
I had one VW - never again. :thumbdown: It was a POS and repairs were exorbitant.
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genesis09 said:
I've only heard bad things about Volkswagen. They break down a lot and are expensive to repair.
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When my friend explained that he either needed to buy a special tool or take his care into the dealer to get his head lamp fixed, I decided that day that a VW would never be in my future.

My first car was a Saturn (GM), and I had no major issues with it. All of its repairs were normal wear and tear ones. I just bought a Ford Focus, and the only issue is that the dual clutch shifting can be a little slow at times. It is always easy to find replacement parts for GM and Ford products.
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I used to drive a Jeep Cherokee. When it was finally on its last legs, I switched to a little Saturn. When the AC died and the repairs cost more than the car was worth, I upgraded to a Kia. Maybe after pharmacy school I'll splurge and get the fancy Kia with fog lamps. :smuggrin:
 
Shnurek said:
Lolol chevy volt are you kidding me. That car weighs almost two tons and its still a "compact car". It costs $40,000. I'll take my $20,000 (base model $15,800) Mazda 3 2011 weighing about 1000 lbs. less which makes it faster (0-60 2 seconds faster) and gives it WAY better handling.

Lets say you drive 12,000 miles a year average:
Chevy Volt : Overall combined gasoline-electric fuel economy rating of 60 MPG so 12,000/60x$3.25(estimated cost per gallon)= $650 a year in fuel.
Mazda 3 2011: 30 MPG combined so $1300 a year in fuel. (2012 version = 40 MPG)

$40,000-$20,000 = $20,000/$650=30.8

So without even counting depreciation you would need to drive the Volt 30.8 years before it matches the Mazda 3 in price+fuel.

I'm good.

Hybrid cars are good but just not worth it yet. Once oil skyrockets then MPG will actually matter more than it does. But since the USA exports more oil than it imports, I see no issues here in the near future.
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You're ignoring tax incentives for purchasing an electric car, resale value of either car, annualized increases to cost of gas due to inflation and supply, and the fact that 40 mpg is what you get on the highway at 60 mph with no wind.....the average is likely closer to 23-25. If you're a heavy city driver, the difference between using an electric car and a gas car is even greater.
 
DelawareStudent said:
You're ignoring tax incentives for purchasing an electric car, resale value of either car, annualized increases to cost of gas due to inflation and supply, and the fact that 40 mpg is what you get on the highway at 60 mph with no wind.....the average is likely closer to 23-25. If you're a heavy city driver, the difference between using an electric car and a gas car is even greater.
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>Tax incentives
>financially sound decision
Pick one.

Allow me to illustrate the concept behind tax incentives:

Spend $100 on something because the government is going to give you a $2 discount on the $57 you had to give them anyway.
 
Whoever thinks pharmacists "don't make much money" has a skewed perspective. The average pharmacist makes more than 99% of people in the US. If someone's standard is Bill Gates, then pharmacists "don't make much money". But by any reasonable standard, pharmacists are extremely well-paid.
 
Actually its more like top 5% (of wage earners) but that's splitting hairs
 
type b pharmD said:
Actually its more like top 5% (of wage earners) but that's splitting hairs
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No, it's not like splitting hairs at all. We're more like top 10%.

20111024-agi-floor-percentiles.png

citation: http://www.bankrate.com/finance/taxes/top-1-percent-earn.aspx

The fact that our salary is less than 1/3 of the top 1 percent is sobering.
 
Shnurek said:
This is an irrelevant chart. It also includes AGI of a household not just per person.
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The chart is good enough. The highest income tax bracket doesn't even start until $250,000 annually.

Here's an article on how $250,000/year can easily be spent.

To really be up there, you need to be making much more than what we make.
 
Damn, I'm moving to a low tax/low cost of living state and I'm not getting married til like 30 then lol.
 
PharmDstudent said:
The chart is good enough. The highest income tax bracket doesn't even start until $250,000 annually.

Here's an article on how $250,000/year can easily be spent.

To really be up there, you need to be making much more than what we make.
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And if you have a pharmacist married to another pharmacist, where does that put them? The chart is not good enough when you are comparing household incomes to a single individuals income. Pharmacists are one of the top paid professions in the US--I can think of a lot of reasons why someone might not want to be a pharmacist, but the financial competition is not one of them.
 
BidingMyTime said:
And if you have a pharmacist married to another pharmacist, where does that put them? The chart is not good enough when you are comparing household incomes to a single individuals income. Pharmacists are one of the top paid professions in the US--I can think of a lot of reasons why someone might not want to be a pharmacist, but the financial competition is not one of them.
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So does every pharmacist get to marry another pharmacist? :laugh:
 
type b pharmD said:
Was referering to individual income, not household
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Ok. Here's another calculator, then. Sorry everyone... all of the calculators that I could find use AGI.

Shnurek said:
O wow, well at least males can get in easier because they are an under-represented minority :p
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It probably depends on the school. ;)

joetrisman said:
Definitely would not marry another pharmacist. Too many unknowns in the future of healthcare imo.
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Some people want to work or alongside with their spouses. :shrug:
 
I wanna marry a PA or pharmd or dent or NP. In fact it doesn't matter to me too much as long as she is intelligent (preferably masters or better), dresses nice and is cute. Def do NOT want to marry an MD/DO, I'll never see her and I'll be the one raising the kids :p
 
I married a pharmD and it's great! She's glad that she can go part time once I finish residency in 5 months. We'll take a small hit in income but it's worth it. For her to go down to 0.5, it's great for her and she gets time to spend on her hobbies.
 
PositivePharmD said:
I've been reading the SDN forums for a while now and just felt compelled to create a thread concerning what I have been reading consistently in several threads- that is, the claim that "pharmacists don't make much money."

I graduated in 2011, work for a chain, and live in South Florida [Miami]. I am a 26 y/o guy and want to say that even though I owe $160,000, I have plenty of money to live a nice and comfortable lifestyle. I live in a high rise waterfront condominium with fitness center, pool, spa, and other amenities and pay nearly $1,800 per month for rent. I am also leasing a Lexus. The point here is that I am living very comfortably and within my means as a pharmacist.

I feel that the only reason those of you pharmacists on this forum make the claim that pharmacist pay is "not much" are saying this is because you are slaving yourself away to pay off a six figure debt. I read a post somewhere that one pharmacist is paying 2,500 per month and is worried and complaining that such a payment doesn't leave much room for more. Well, guess what? NO ONE is telling you, commanding you, or forcing you to pay off your hefty student loans in ten years. NO ONE. The only reason you guys are not seeing how much money you're truly making is because you have tied yourself in chains.

There is no need to pay exorbitant sums of money per month in order to pay off that loan in ten years. I'm sorry, but I'm not going to do it. I am taking my time and will certainly take well over ten years to pay off my current debt. I am limiting myself to paying no more than a thousand dollars per month. Sure, in the end, I'm perfectly aware that I'll be paying a lot more money in interest, but you know what? I'd rather pay more money in interest rather than having to sacrifice god knows how many more years in order to rush to pay off the loan before I can finally enjoy the fruits of my hard work in school.

I guess the point of this thread is that NO ONE is forcing us pharmacists to sacrifice ourselves and pay off these loans in ten years or less. NO ONE is forcing you to live like a pauper, move back in with parents, and take other measures. Remember, you are young only once. Make sure to pat yourself on the back, reward yourself by yourself a nice place, car, take a vacation, etc... and to hell with Sallie Mae because in the end, they don't care about you.

Personally, I feel I've sacrificed enough just by being in school for eight years after high school and that it is time for me to enjoy living well. I understand those of you pharmacists with financial obligations such as children and that your circumstances may be different. But I feel my points present a fresh and valid perspective.

If you continue to sacrifice and delay personal gratification, you will be older before you know it and wonder why you postponed your material/lifestyle dreams all in the name of a loan. So, final words: Pay your loan little by little, live the lifestyle you want as long as you can afford it, and always remember, if for some reason you die or become disabled and the loan has still not been paid off, screw it: The loan dies or will become nullified upon your death or disability.

Always remember the US owes trillions and this country is in no rush to pay off its debts. Enough said.
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[YOUTUBE]http://www.youtube.com/watch?v=5hfYJsQAhl0[/YOUTUBE]


this is why america is in debt with people like you...Pushing of debt just to "live the good life and showing off that your a pharmacist" You better prey nothing happens to you, a family member, or your job because you will be screwed after words. And why the hell don'y you care that your going to give the banks back THOUSANDS of more money back for paying it off in 10 years..

I can't wait till you in your thirties and regreat all of this :laugh: I will be stingy and pay off my loans by next June (recent grad also) and as Dave Ramsey says

Live Like No One Else So You Can Live Like No One Else

TS is Just Over Broke (JOB)
 
GodsSon2011 said:
[YOUTUBE]5hfYJsQAhl0[/YOUTUBE]


this is why america is in debt with people like you...Pushing of debt just to "live the good life and showing off that your a pharmacist" You better prey nothing happens to you, a family member, or your job because you will be screwed after words. And why the hell don'y you care that your going to give the banks back THOUSANDS of more money back for paying it off in 10 years..

I can't wait till you in your thirties and regreat all of this :laugh: I will be stingy and pay off my loans by next June (recent grad also) and as Dave Ramsey says

Live Like No One Else So You Can Live Like No One Else

TS is Just Over Broke (JOB)
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Just curious how do you feel about loan forgiveness?
 
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