How We Transitioned Out Of Traditional Medicine With MASSIVE Debt. #457 Part 1

I would love to talk to you about how you transition out of traditional medicine with so much debt .

With the debt on

You got to tell them how much we paid off too , we paid off $662,000 worth of student loan debt .

We had some other debt as well . I had IRS debt .

Yo Renee was on the lam , yo SD . Yo the IRS was trying to get her .

You're never going to get me copper .

They had you peeing in a cup and anyway me . Jesus Christ , yo , what's good everybody . Welcome to another episode of what Y'all Say . I'm your host with the most . I'm Dr Nii . I'm joined by Dr Rene , the amazing Dr Rene . I'm post-call .

So I did three nights in a row 5 pm to 7 am .

It's tough . These are one of the tougher shifts because you only get 10 hours off , right , and that's if your body shuts off to sleep immediately at seven o'clock in the morning , right like , because you're probably signing out . Yeah , you're signing out . That's done at eight o'clock . Then you gotta , you know , talk to kids , talk to to you .

He sent a text . I gotta read it .

Yeah , he sent me a text saying that he's trying to actually break 19 minutes in the 5k and I think he's on his way to benching past 250 pounds . Hey yo , so he is doing great , guys . We did a series with him where we helped him find a job . We did it with locumstorycom right .

No , we did it with .

PS&D , PS&D Okay my bad . Well , anyway , we did it with them and they helped him find a job , and then we also . Who else do I need to shout out Love Anani . Yeah .

I need to shout out , dr .

Love . We got a lot of people who just listen . Dr Cole orthopedic surgeon now , but when I met him he was finishing up medical school , but now he's on his own doing his thing and I just want to say , shout out to everybody , If I didn't mention your name , the other thing , too , is that— it's like the romper room Wait , who remembers romper room ?

when they mention your name , they mention your name . I think we talked about this before on the show .

We mentioned Romper Room before . They didn't call your name . They never called my name because my name was very ethnic , right Ni ?

She not going to call me Ni Daku .

Yeah .

I see Jane Marie , I see Betsy ,

Daku , she doesn't even have to say the accent . She could have just said said me and I would have been hyped , you know but anyway , guys , I'm super psyched about you guys .

I don't have to worry about- . Okay , well , welcome to the Dr Rene podcast .

Well , I'm free , I don't have to worry about any . I'm going to have to produce , because if you guys are you guys no idea , like you think we're just talking . I'm actually talking , renee's talking , but I'm also producing , like I have like a script that we're trying to follow and make sure that we're staying on track .

like take your shoes off . No , take your shoes off what about ?

so that's the easy one . But what about when you go to someone else's house ? You take , you , do you ask to take your shoes off ? That's one option I assume do you take your . So what was the first option ? Do you take your shoes off without asking ? Two , or do you ask , ask and three , do you just keep them on ?

no , I , I just assume take my shoes off .

So everywhere you go , you always wear socks yeah what do you mean ?

because if you don't wear socks , then you could be walking into someone's house without any well , you're saying like summertime or something if I'm wearing sandals , or even if they have carpet right , okay , do you really want to put your feet on someone else's carpet ? Well , it's better than putting what came from outside on their carpet .

Yeah , but you don't know what they have on their carpet . That's what I'm saying .

I understand that , but it's better than putting what came from outside on their carpet . I don't know .

Text us Let us know about that , because I don't know . I don't like walking around someone's carpet with just barefoot . I don't know , that doesn't work for me .

Okay .

But I always wear socks .

Right .

But the women don't do that , though a lot .

So you just don't go to people's house if you're wearing sandals .

No .

Want ? No , wanna come over . No , I'm wearing sandals today ?

yep , I'm wearing sandals . Yo text us to let us know what you think . Am I right ? Is Renee right ?

you can DM us , you can send us fan mail at that link below yeah , check out the show notes this episode . You can send us something by Instagram . You can leave a comment on youtube or on instagram posts or anything that you see us on tiktok posts . So , however you want to do , you can go to our website .

But listen , let me . Let me shout out the Pre-Med Scene Podcast . I did that episode last week . By the time this show comes out , basically it's pre-meds who are trying to get doctors who are established who can give some advice . And let me go to my notes .

Wait , hold on . How did you get on that podcast and I didn't .

They asked me to be on that show they don't know what they're doing there and she asked some really great questions .

I don't know what she's doing .

Questions that I even forgot , because she knew . I even forgot to answer some of these questions , like , for example , she had me thinking about what it was like to apply to med school twice . So just so y'all know , I applied to medical school two times . The first time I applied , I wasn't very strategic about it at all .

So if you so , if you're still in college , traditionally , you're saying I think that is maybe a little more forgivable . I still wouldn't necessarily do those classes , but I think that that is a little bit more forgivable because the rest of your classes are going to be done at a four-year institution right so .

I think , well , we , we definitely should do see , like I love doing these podcasts because it brings you back , like I think we get so caught up right now , right now we're in our locums jam right . We get so caught up in that realm that we or at least I forget to talk about the grind , even the grind of paying off debt .

It's crazy , it's crazy .

The other one that she asked me about and then I talked about is why the hell would we be taking like 19 or what is that pressure to feel like you got to keep up with the Joneses and take like 19 to 20 credits every semester . I love that . You know what I'm saying . So I talked about that .

Oh , you got to take like 19 , 20 credits , Otherwise they're not going to take you seriously and it's not even just 19 to 20 credits .

Why do you have to take biochemistry , bio and orgo in the same semester ?

Oh , don't forget , you're also shadowing and you're volunteering all at the same time . Oh , and you do work , study , all at the same time

Why do you do stupid shit like that ?

I'm sorry , I have to curse , but why do we do stupid shit like that ? Because pre-meds literally many of them have no clue what it actually takes to get into medical school . Many of them have no clue what it actually takes to get into medical school , so they think , well , it's hard , so I have to do hard things .

I'm going to take physics in the same semester with bio and I'm going to take calculus all All the same thing . Yeah , I'm going to do that . I'm going to do that . Yeah , how many credits you got , like 17 . Why ? Because I just need to take 17 .

I have to show that I can take , I can handle a rigorous load and it's like , yeah , but you also need to pace yourself so that you can actually do well in the classes . Now , if you can do well in the classes doing all of that , great . But I'm going to tell you in my experience , I don't know too many people who can do that .

Well , before we go on a tangent , though , I agree with you . The one thing that folks need to consider , too is , like a lot of those courses that you're taking bio physics , like a lot of that stuff is not heading putting you towards getting your degree , though , Also .

Well , it depends on the degree .

It depends on the degree , but a lot of times it could not be , but it's just something to think about .

It depends , right ? If you're a bio major , a chemistry major , then yeah , it is what . If you're a PCAM major ? Because there's always that one person I want to go to graduate .

PCAM and then go to med school . Yeah , that is probably why you take a PCAM for , yeah , yeah , I'm going to take it . Oh man , let's go into our first question . Let's do this , alfred . I'm going to send you this question , so it goes how to transition out of traditional medicine with so much debt ? Should I say this person's name ?

You know what ? Surgeon's choice ?

Because you know what I've also before I answer this question . I did not know so many different people listen to this show . I told you . I walked into the post office and Mr Evans was like yo , I listened to your show and I was like oh , Like I feel like Shout out to Mr Evans .

But what you about to say , because it's a lie . Whatever it is you're about to say , it's a lie . What are you saying ? Well , you saying I'm potting , go ahead , go ahead . No , I'd like you to . What are you talking about ? Whatever you're about to say sounds like it's about to be a lie . I'm just saying that like .

There are people who I know who will be like yo . I listen to the show and I'm like Like it's scary sometimes . Okay , because I'm like what are you taking away from this ? Because I read this from SD and I'm like yo , there's already one big red flag right here , but I'm not going to say that .

You go first . You got a lot to say about it . Yeah , I do .

Thank you for writing . Yes , first of all SD . Thank you for writing in , thank you . Thank you for listening to the show .

You said all that man Jump into this .

Come on . So all right , first things first . You want to know about how we transitioned out of traditional medicine .

Now it's distracting , oh Lord help us all . While we transitioned out of the traditional way that our specialties practice , we are still traditionally doing medicine . Right , so we do locums , which basically means that we're not necessarily hired by or worked for or employed by a hospital or a practice . Right , so we go to where there is a need .

So you're just going to say we paid off the debt . Like you got to tell them how much we paid off too , we paid off $662,000 worth of student loan debt .

Alfred , we had some other debt as well . I had IRS debt .

Yo Renee was on the lam , yo SD Yo the IRS was trying to get her . You're never going to get me copper Garnishing your wages and everything Anywho . It had you peeing in a cup .

Anyway , me and Jesus Christ Me bought a house in 2006 .

Yes , I did With no money down . Everybody could get a house at that time . Why couldn't I get a house ?

Well , I know this . I know that your house went from you know being how much it cost to a third of what it cost within two years when we talk about house , poor yo . Value decreased .

So I could afford my mortgage . I just couldn't afford to put anything else in it . But keep going .

Yeah , so that I mean , that's pretty much how we transitioned out of traditional medicine . If you will Now , if you're talking about transitioning out of medicine in general , or really going , like you know , in a way that you know people , just most people don't go . That's a different story .

So we , several episodes ago I got to find that episode . I don't know if Alfred can find it , but we had a pediatrician who was on the show . This dude was- .

Oh , Dr Trevor .

He's fresh out of residency , he decided to do locums and he is making beaucoup money , right . He's making what I would say a hospitalist , maybe even an orthopedic surgeon , would be making . He's making a lot of money . Now there's some . You know , in terms of his lifestyle it might be a little bit different than what you're used to .

Initial starting salaries .

But oh it's crazy , but it's . Let me tell you something right now Within the locums realm , pediatricians , they , they , they , they make bank .

They do well , they do well . So that's why I wanted to make sure that was just one issue . That might be an episode that you and your husband listened to and again , you don't have to do . You don't have to do it like Dr Trevor does it .

yeah , yeah , the ob right , the ob right . He wasn't necessarily traveling for locums right , I can't remember , but oh , he didn't have to because he ended up the job that he worked , he bounced and then they wanted to come back and work as a locums and he's like , all right . Well , yeah , and that's right , it's high .

This is how much you're going right and that kind of happened to us , right , we , we essentially left our jobs and the same jobs then took us back on as locums , so that I mean , that's an option as well , potentially depending on where you're working now , what the climate is over there that if you leave your job , your job might actually be like , well , can

So let's get to the hard part now . So let's go back to what she said . She said my husband is in charge of our finances and every time I raise a question of changing my path or changing my work lifestyle ,

have any student loan debt .

Do you have anything major that you definitely have to take care of right , so that you can really use numbers as well as emotion , Because it's important too to be like , look man , I can't stand my coworkers , I don't want to go to work . And if that , in combination with the money right , with the finances or the numbers makes sense , then you could bounce .

actually .

Or what if I brought in the same amount but I'm working less days ? What does that do ? Right , those are the type of conversations that you and your husband have to be having .

But even more than that , though , right , but it's inherent in this question . I understand , but I mean even more than that . Two things that I have to say is what if something happens to your husband and you don't know anything about your finances ? Forget , your husband is no longer . What if your husband gets very , very sick and he is still ?

Yeah , because you need to . Do you know where your accounts are ? Do you know the logins ?

Do you know the passwords ? Do you know the passwords ?

The verifications . Do you know all that stuff what ?

do you know about your finances right , because now you're going to be relegated to potentially taking care of him and the entire household when you know ?

if something happens to him , Look at Dr Noreen being all responsible .

No but right , because right now we're kind of talking about it like , oh well , you know he's doing all the finances and this , that , and you don't know , or whatever . It's like , okay , forget , forget all the , you know potential chauvinistic , da , da , da , da da . What about the practical ?

All right , so that's number one .

Wait , I said two things . One more thing . The other thing is that in your question it sounds like you and your husband actually never talked about any numbers at all . It says when I every time I raise a question of changing my path or changing my work lifestyle , he discourages me and says we can't afford it .

I think you should pause more a little bit .

What is it that we can't afford ? Because if you brought your husband numbers , then he might not be able to say that we can't afford it . Right , if you brought him numbers that showed him . Hold on , I'm going to be making one and a half times more and working a third less . Can we not afford that ? You have to ask numbers . He's playing a numbers game .

Yeah , I'll just be honest with you . When you do it one at a time , when one person is handling it , that's a lot of pressure for one person to do . I think , that when you look at numbers , when you look at debt , when when you look at lifestyle , like putting that just on one person , that's a lot .

That's a lot . That's a lot of pressure .

I'll tell you right now . The reason why me and Renee were able to pay off almost $700,000 in student loan debt in three years is because we combined our income . We put our minds together . Her income became my income . My income Became . My income Became her income . She convinced me not to do a prenup . But looking back , you had nothing .

Looking back you didn't have anything .

It was a good thing I came off of that because I was smart enough to say you know what you ?

didn't have anything .

I don't need a prenup right now .

I trust this girl . You had a Jetta with the shocks of a tricycle that Jetta .

And you had a house that was worth a third of what you bought it . What did you add me ? Yeah , with a fob and everything with the security systems , hey yo .

Yes .

So that you can come to your husband and saying I want to do this and you don't give him any numbers . It's too much for him , right ? Because he may just be thinking OK yeah , whatever you're bringing in as a pediatrician is probably capped .

He's probably thinking that , possibly also yes , let me , let me , let me throw him some bail let me throw him some bail .

He's probably like yo , what are we talking about ? Like you can only make this much as a pediatrician . And

You know I'm fresh out , howard .

Bam , this is how much I could bring in as a pediatrician , like you said , one and a half times , maybe even two times more and work in the same amount , or maybe work in a little bit more . You know . Either way , you know , will that change the answer ?

That's an avenue . So is there anything else you want to put on this point right here ? I mean listen . I know all too well the I said something to my husband and he didn't listen to me . And then somebody else said the exact same thing and then he listened . Come on , y'all Right . I know that all too well , Don't do that , Don't do that .

I know that all too well , Don't do that , don't do that , don't do that , don't do that .

This happens all the time .

Don't do that . It happens all the time . Don't do that , that's wrong .

It happens all the time . Don't do that .

So you know , in Washington I don't know what he's going to do , Right , and the last time he was in office he tried to take out the Affordable Care Act .

just you know you don't have to worry about buying health insurance from the marketplace , because if your husband gets health insurance from his job , then he can just add you on to his health insurance .

So SD good question yo , Dr Renee . Listen to what Dr Renee has to say , because she's very responsible . I'm toxic .

And we weren't too toxic . Today , let's take a break . We weren't too toxic .

What's good everyone . This is Dr Nii Yo . This is the end of this segment . I appreciate you for listening , but this ain't the end . If you want more , go ahead and click the next button on your favorite podcast app Listen . That's next for more banter between me and Dr Rene . That's next for more topics . That's next for more segments Listen .