We had $662,000 DEBT and Transitioned Out Of Traditional Medicine #457 - podcast episode cover

We had $662,000 DEBT and Transitioned Out Of Traditional Medicine #457

Apr 18, 202558 minEp. 457
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Episode description

SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show!

Are you feeling trapped by crushing student loan debt? Well you're not alone. In our conversation, we reveal how we transitioned from traditional medical employment to locum tenens work even with so much debt. 

Beyond the money, we also talked about other topics like discrimination during our pre-med, medical school and residency journey. We also let you in on the freedom locums provides to design your own practice pattern as a doctor.


We discuss:

00:00 Introduction

02:10 A big shoutout to our long term listeners

04:40 Do y'all wear shoes in people's houses or do you take them off?

06:47 Shoutout to The Premed Podcast

11:56 How to transition out of Traditional Medicine with so much debt

32:19 Discrimination in Residency

49:15 Pursuing Locums



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Transcript

Intro / Opening

Speaker 1

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

Speaker 2

With the debt on

Tackling $662,000 of Student Loan Debt

our backs , we just felt like we couldn't move . We felt like we had to work for somebody who couldn't take certain risks .

Speaker 1

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

Speaker 2

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

Speaker 1

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

Speaker 2

You're never going to get me copper .

Speaker 1

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 .

I do think that I like to preface it with I'm post-call because I think the energy is different when you're post-call , when I'm post-call because you know , it's just , it's tough , it's tough , tough .

Speaker 2

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

Speaker 1

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 .

You know , check in . You want to get some breakfast , you want to go to bed . Next thing , you know , it's like 11 o'clock possibly , right , that's a long time , right . And then rinse , wash and repeat . But this was a tough , tough step , but I'm good , I'm good . So right now it's like I'm working on fumes right now .

So I need Alfred to like give us some , like get the energy going , get the energy going . Yo , there you go . There you go , there you go . One . You know we've been doing this podcast now almost 10 years and it's for me . I'm always surprised that we have like longtime listeners .

So I just want to take a quick second to a quick couple of seconds to just thank some people who , off the top of my dome I'm like they always listen , no matter what , right ? So that's Jamar Jamar . Thank you , dr noel blanco oh , yes , oh .

Speaker 2

He sent a text . I gotta read it .

Speaker 1

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 .

Speaker 2

No , we did it with .

Speaker 1

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 .

Speaker 2

I need to shout out , dr .

Speaker 1

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 ?

Speaker 2

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

Speaker 1

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

Speaker 2

She not going to call me Ni Daku .

Speaker 1

Yeah .

Speaker 2

I see Jane Marie , I see Betsy , I see Ni .

Speaker 1

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 .

The other thing that I want to shout out and let y'all know about is , um , over the last couple of weeks we've been on or at least I've been doing podcasts , the whole podcast circle , going on different podcasts . People who listen to our show invite us to go on different podcasts and I get excited to do that .

I don't know , know about you , but when I go on other podcasts I think you guys get a better version of me than you do on my show . Yeah because I'm more free right .

Speaker 2

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

Speaker 1

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 .

So when I'm on someone else's show , I ain't gotta worry about that . Right , it's free , just go to their house , chill , walk around with my shoes on . You know , take your shoes off me . Look , hey , anybody who anybody's listening right now ? What's your rules on in your house ?

Speaker 2

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

Speaker 1

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 ?

Speaker 2

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

Speaker 1

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

Speaker 2

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 .

Speaker 1

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

Speaker 2

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

Speaker 1

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 .

Speaker 2

Okay .

Speaker 1

But I always wear socks .

Speaker 2

Right .

Speaker 1

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

Speaker 2

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

Speaker 1

No .

Speaker 2

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

Speaker 1

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

Speaker 2

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 .

Ducks outside the boxcom go in and check it out , yeah yeah , I didn't want to say the other sound , so I saidcom . But listen , it's trademarked , let me , let me , let me shout out the pre-med scene sound . So I said , dot com .

Speaker 1

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 .

Speaker 2

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

Speaker 1

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

Speaker 2

I don't know what she's doing .

Speaker 1

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 .

I applied two years later and got in . She asked about what was my life like during those two years of trying to figure out what to do . I mean , we've covered everything , from me being like how did I develop like a chip on my shoulder during that time to you know why I decided to apply to the schools that I wanted to apply to .

She asked , like why trauma surgery ? Um , we got into me talking about taking organic chemistry during the summertime at ruckers , which is a four-year institution . Right , so that's something that you definitely propose .

If you're going to take summer classes , don't take it at a two-year if you're going to take post-bac yeah , period yeah but what about summer courses ? though ? Like I'm not talking about post , I'm not talking about post-bac , I'm talking about summertime .

You're in your first year , going into your second year , second year , going into your third year , and you want to take some summer courses , and you want to do like physics or something like that .

Speaker 2

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 .

But if you're doing a post-bac and all of it is going to be done at a two-year institution , right so . But if you're doing a post-bac and all of it is going to be done

Post-call Struggles and Podcast Journey

at a two-year institution , that's where it gets a little , a little dicey .

Speaker 1

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 .

But talk about the grind , like what it was like not knowing if you're going to get into med school , applying to med school at Rutgers and it basically being like a chapter a day , basically Like those five-week courses go , you go through so much information I did organic in the summer too .

Speaker 2

It's crazy , it's crazy .

Speaker 1

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 .

Speaker 2

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 .

Speaker 1

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

Speaker 2

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 .

Speaker 1

Why do you do stupid shit like that ?

Speaker 2

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 .

Yeah , and it's like you know it's like it don't have to be that hard .

Speaker 1

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 .

Speaker 2

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 .

Speaker 1

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 .

Speaker 2

Well , it depends on the degree .

Speaker 1

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

Speaker 2

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 .

Speaker 1

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 ?

I'm not going to say this person's name , let's jump right into it . My name is SD and I am a pediatrician who listened to your talk at the recent LGS virtual summit run by Dr Peter Kim . I would love to talk to you about how you transition out of traditional medicine with so much debt , or at least it sounded like it .

You'd said something about Affordable Care Act and I just would like to know more details about how you did it , because finances , or like thereof , is the main barrier as to why I am not even beginning to make any moves at all .

My husband is in charge of my finances and every time I raise a question of changing my path or changing my work lifestyle , he discourages me and says we cannot afford it and tells me not to move . Can you help me please ? I think if he hears your methods , he'll be persuaded and confident to allow me to make a move . Sd .

Thank you very much for writing this in Dr Renee . Thank you very much for writing this in Dr Renee . Everybody listening do y'all want me to be responsible , dr Nee , or should I be toxic ? Nee ?

Speaker 2

You know what ? Surgeon's choice ?

Speaker 1

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 .

Speaker 2

Shout out to Mr Evans .

Speaker 1

I'm not going to lie guys Like I'm not like this , like personally , like off the show .

Speaker 2

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 .

Speaker 1

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 ? Yeah , because I read this from SD . Like yo , there's already one big red flag right here , but I'm not going to say that .

So I'm like should I be the responsible one and answer this the way that , like , a responsible person should answer this , or should I be the toxic person and be very toxic ? Be like yo . Why is he handling all your finances as a pediatrician ? Aren't you probably making more than him ? But anyway , I digress .

You don't know , you don't know what her husband does . Let me pull back . Let me pull back , sd . What do you got to say , dr Renee ? What you got to say about this ?

Speaker 2

You go first , you feel like you got a lot to say about it .

Speaker 1

Yeah .

Speaker 2

I do .

Speaker 1

Thank you for writing .

Speaker 2

Yes , first of all , sd , thank you for writing and thank you for listening to the show .

Speaker 1

You said all that man Come on .

Speaker 2

So , all right , First things first . You want to know about how we transitioned out of traditional medicine . Now , it depends on what you mean by transitioning out of traditional medicine , right ? Because while we transitioned out of the typical schedule , that our specialties tend to carry .

Speaker 1

I'm going to do sit-ups while you do this . I got to get my energy .

Speaker 2

No , 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 .

We find anyway that that helps us to control our schedules better , especially because we have children , especially because we have children , but it also actually allows us to make a little bit more money , given the time that we put in to as much as we work . Yeah , we're way more efficient with how we make money .

Yeah , we're more efficient with how we make money , so I don't know if that's something that your husband is aware of . Now , the way that we transitioned out was we paid off our student loan debt quick , fast and in a hurry . That was for us .

That was kind of like the rate limiting step , because with with the debt on our backs , we just felt like we couldn't move . We felt like , you know , we had to work for somebody who can take certain risks , things like that .

Speaker 1

So you just go and just say we paid off the debt , like you got to tell them how much we paid off to come we paid off six hundred and sixty2,000 worth of student loan debt Alfred .

Speaker 2

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

Speaker 1

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

Speaker 2

You're never going to get me copper .

Speaker 1

Garnishing your wages and everything .

Speaker 2

Anywho .

Speaker 1

They had you peeing in a cup .

Speaker 2

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

Speaker 1

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

Speaker 2

Well , I know this . I know that your house went from being how much it costs to a third of what it costs within two years .

Speaker 1

We talk about house , poor yo .

Speaker 2

Value decreased .

Speaker 1

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

Speaker 2

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 it really means it really depends on what you mean by transitioning out of traditional medicine . Depends on what you mean by transitioning out of

Discussing Pre-med Pressures and Strategy

traditional medicine . As far as the conversation that you're having with your husband , I think that that conversation you know , I don't know what your husband does , I don't know what his personality is Well , hold on hold on real quick because , if I may throw in this part , so we several episodes ago .

Speaker 1

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 are some . You know , in terms of his lifestyle it might be a little bit different than what you're used to . He's not married , he doesn't have kids and he basically goes from extended stay to extended stay to extended stay hotel , but he makes money , right .

So one thing to note is if you're thinking that well , maybe being a pediatrician can be because I think a lot of people think , well , being a pediatrician , you know you're at the lowest of the lowest in terms of salaries and stuff right initial starting salaries but oh it's crazy , but it's uh .

Let me tell you something right now within the locums realm , pediatricians , they , they , they make they do well , they do well so that's why I wanted to make sure that was just one issue .

Speaker 2

Yeah , that might be an episode that you and your husband listen to and , again , you don't have to do it like Dr Trevor does it . Right , there are lots of different ways to carve out how you're going to do this and still be able to be more efficient with how you make money . So you know , just understand , that locums is not necessarily a template .

Right , locums is an option and you essentially build your own template on how you're going to do it . So some people travel for locums . Other people don't necessarily travel for locums . Who was the one that we had on Dr Derek Barnes ?

Speaker 1

Yeah , yeah , the OB .

Speaker 2

Right , the OB Right . He wasn't necessarily traveling for locums .

Speaker 1

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 locum , exactly , all right . Well , yeah , yeah , and that's right . It's high . This is how much you're going to be right .

Speaker 2

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 you not leave , leave , can you just ,

you know , do something ? And then you say , okay , well , I'd like to work as locum . So now you have the same job , you're in the same thing , you're doing the same thing , except that you make your own schedule and you set your own rate . You set the rate . Don't let them come at you with this is how much we'll pay you . No , no , no .

When the plumber comes to your house , you don't tell the plumber how much you're going to pay him . The plumber tells you this is how much it costs for me to come to your house and that's what you want to do Be the plumber .

Speaker 1

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 , he discourages me and says we cannot afford it and tells me not to move Without knowing too much of the dynamics .

I think the number one thing that I would say is you need to have a sit down with your husband and find out what's coming in and what's going out , right , like you guys need to have an open , transparent discussion where he opens up the Excel document or whatever hell , whatever you guys are using to document how things come in in terms of money and then what

goes out . You both need to be on the same page so that you are aware of that Next . Once you do that , then I think you can definitively say or have . I don't know if you could definitively say , but I think the next step would be finding out well , how much is my income really bringing in ? How much is it contributing to the finances of the house ?

And if I were to decrease by a certain percentage , can we still get by ? Do you have an emergency fund ? Right so what we do in terms of emergency fund , we make sure , or we advocate for , to have at least six months to 12 months of expenses not income expenses .

Right so your bills , your car payment , mortgage , we would even say your student loan payments right To have six months of those so that if you were to lose your job for any reason , you have six months to kind of get your stuff in order . You can go to that instead of going to credit cards . Right ? Do you have any student loan debt ?

Do you have anything major that you definitely have to take care ?

Speaker 2

of .

Speaker 1

Right , so that you can really use numbers as well as emotion , because it's important too to be like look , 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 make sense , then you could bounce .

But having that conversation with him , I think , would make it , would put you guys on the same page so that you truly yourself understand how much you're contributing by going to work on a daily basis .

Right , because if you feel like you need to transition out of the traditional way of practicing and maybe you need to encompass locums , then you know looking at the numbers and saying , hey , well , what if I actually brought in more ?

Speaker 2

actually .

Speaker 1

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 . You know very quickly , because if you're having , if you're bringing in a salary , in my opinion , and you don't know any of those things , money is being accounted for , Right ?

I'm sorry , I'm not trying to see you know , look , I'm just trying to be real .

Speaker 2

Right , I'm just trying to be real Right . 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 , you know , he's still alive , but he is unable to do the thing that he has been delegated to do , which is the finances ?

Speaker 1

And now , you have to take care of it . Yeah , because you know where your accounts are .

Speaker 2

you know the logins you know the passwords , you know the second the verifications .

Speaker 1

Do you know all that Do ?

Speaker 2

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 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 all the you know potential chauvinistic da-da-da-da-da . What about the practical ?

Do you , would you be able to take care of yourself and your family if something were to happen to your husband ? He was actually no longer able to do the finances , right ? Because for me , if I were a man , right , I would be very concerned about that . I'd be extremely concerned about that . What will happen to my family if something happens to me ?

Because if you're thinking about provider mode , then you can't just provide the money . You've got to provide the education , you've got to provide the way , you've got to provide the path as well , right , otherwise you throw . Your husband actually never talked about any numbers at all , it says .

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 . And it's like hold on a second , what can't we afford ?

Speaker 1

How do you know he answers that quickly ?

Speaker 2

Right , Well right .

Speaker 1

So what is it that we can't afford ? I think you should pause more a little bit .

Speaker 2

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 .

You've got to play a numbers game too . Both of you should be playing

Transitioning to Locums with Financial Constraints

this numbers game , and without numbers , how do you know what you can and can't afford ?

Speaker 1

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 you look at lifestyle , like putting that just on one person , that's a lot .

Speaker 2

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

Speaker 1

I'll tell you right now . The reason why me and Renee were 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 .

Speaker 2

Looking back you didn't have anything .

Speaker 1

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

Speaker 2

didn't have anything .

Speaker 1

I don't need a prenup right now . I trust this girl .

Speaker 2

No , 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 have me ?

Speaker 1

Yeah , with a fob and everything . With the security system hey , um , the security system , hey yo . So listen , but basically what I'm saying is when two heads , when two heads are putting their heads together , in essence right , when you're thinking about this and trying to handle whatever the issue , you guys are going to have a better outcome .

There's going to be more trust there , um , and you guys are going to be able to handle things a lot faster . So our advice is look , if you want the responsible advice , definitely listen to what Dr Renee is saying .

If you want the irresponsible version , I'm saying listen , I got what you're saying , but you still need to look at the finances , because I agree , like you need to know , like yo like , where are this , where's this money going to ? First of all , right , and I think you bring a good point , which is you , you know SD , you need to come with numbers also .

Speaker 2

Yes , you need to come with numbers also . Yes , you got to come with numbers . You can't come to your husband and saying I want to do this and then you don't give him any numbers . It's too much for him .

Speaker 1

Right , because he may just be thinking okay , whatever you're bringing in as a pediatrician is probably capped . He's probably thinking that , possibly also .

Speaker 2

Yes , that's a good thought .

Speaker 1

Let me throw him some bail . He's probably like yo , what are you talking about ?

like you can only make this much as a pediatrician and then , when you be like , bang him yo as a local , as a local right there , alfred 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 ?

Speaker 2

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 .

Speaker 1

Don't do that , don't do that .

Speaker 2

This happens all the time .

Speaker 1

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

Speaker 2

Don't do that it happens all the time , don't do that . That's wrong . It happens all the time , don't do it . So you know , I hear it , but sometimes you need that different voice , right , oh , sd .

Speaker 1

One thing that you didn't mention , that we didn't talk about which is the . Affordable Care Act . All I'm saying is the Affordable Care Act makes it very easy for small business owners like me and Renee and possibly like you , if you decide to do locums , to go and purchase health insurance on the market . Right , you have adequate health insurance .

That is reasonable , right ? So if that Affordable Care Act gets gutted , then more than likely premiums how much is going to cost to purchase adequate health insurance is going to go through the roof and that may limit people's ability to just kind of work for themselves as a locums . Right ?

They're either going to have to increase their rates , right to adjust for having to pay for this crazy insurance Charge their own tariffs , or I don't know . Basically , or I don't know , but I don't know what that looks like , to be honest with you , so I don't want that to deter you . I think that is such a minor issue .

It was just something that I was thinking about . I was like man my man back in 2017 tried to take it down . And if it wasn't for McCain , Maverick , you know , we wouldn't have an Affordable Care Act at this point . So I don't know , if health insurance from his job , then he can just add you on to his health insurance . Sd good question , yo , dr Renee .

Listen to what Dr Renee has to say , because she's very responsible .

Speaker 2

I'm toxic and we weren't too toxic today . Let's take a break . We weren't too toxic today . Let's take a break . We weren't too toxic All right .

Speaker 1

We got another question that we have to answer , and it is discrimination in residency and pursuing locums . Can we even say this right now , because you know what ? Hi , dr Nii and Dr Renee . How are you both doing ? Are you taking phone calls while we're doing this podcast ? Long-time listener of the show . See , this is what I'm talking about , man Jimmy .

Speaker 2

Jimmy , that's my student .

Speaker 1

I truly enjoy every moment of wisdom you two share . It's been inspiring and motivating , especially for someone like me . I have a question for both of you . As a non-traditional pre-med who's Black and Haitian descent , have either of you experienced any form of discrimination ?

Speaker 2

Why are you ?

Speaker 1

whispering , directly or indirectly , from your peers during your pre-med journey , medical school or as attendings , and if so , how did you handle it , yo ? My second question is for Dr .

Speaker 2

Rene yeah , dr Rene say it . My second question is for Dr Renee . Yeah , dr Renee say it .

Speaker 1

My second question is for Dr Renee . You introduced Dr Nita Locum's . What made you decide to pursue Locum Tennant's work in the first place ? Thank you both for all that you do Best Jimmy from South Florida PS . Dr Renee is the worst addition to the show .

Speaker 2

That is not what he said . It says PS Dr Renee is the worst addition to the show . That is not what he said it says . Ps Dr Renee is an awesome addition to the show . Thanks .

Speaker 1

Dr Jimmy , thank you for writing in and listen . Make sure you acknowledge the host , Okay .

Speaker 2

Soon to be student . Dr Jimmy , a word . Okay , that's what's up .

Speaker 1

That's what's up . So he got into med school . You got into med school you got into med school y'all ?

Speaker 2

No , not yet . He's working on it Good .

Speaker 1

Dr Jimmy listen man or pre-med Jimmy . We appreciate it , y'all .

Speaker 2

We appreciate it .

Speaker 1

So this is a very good question , right .

Speaker 2

We putting it out there . Putting it out there .

Speaker 1

Okay , so listen , you're going to do this . So the question is have you experienced any form of discrimination , directly or indirectly , from your peers during your pre-med journey , med school or as attendings ?

Speaker 2

What about you ?

Speaker 1

So I'm going to be really honest with you guys . Like I just went through medical school with blinders on . I was very competitive . I kept to myself a lot . I think part of that was because I had a chip on my shoulder from not getting in the first time .

And during those two years where I was trying to figure out what I was going to do and thinking about man , I would really . I know I could do well in med school . I know I could . I deserve to be in med school . One of the things that I promised myself is I would not let anything derail me from doing well in med school .

And Renee can tell you , and I'm not lying , I kicked ass in med school . I kicked ass and I think a lot of it has to do with the fact that I literally was like F everybody , I gotta work hard and I'm not worried , I'm not paying attention to nothing . So is there a possibility that there were some indirect um ?

Speaker 2

is there a possibility ?

Speaker 1

we got at least two stories for you okay , um , I just wasn't paying attention to it and I just was just moving forward and doing my thing . So if I can't really tell you any stories about it , you have two stories .

Speaker 2

What are you talking about Do ? I have two stories when you went to go and check your grade .

Speaker 1

When you went to go check your grade , you're going to have to tell me , because sometimes I don't be paying attention .

Speaker 2

So you and , let's just say , a student of a different hue went to go . So this is before . You would check your grade online and stuff like this . So we used to have to check our grades in the back of the classroom and you were assigned a specific number .

You you're the only person that knew your number , and whenever you took a took an exam , you would go back and you would see what your number is and then your grade next to that number who you're talking about . Oh .

Speaker 1

Yeah , yeah .

Speaker 2

Okay , so you and a fellow student ?

Speaker 1

Yeah , you're going to tell the story .

Speaker 2

A fellow student went to the back of the class at the same time and went to check your grade . Yeah , and you tell me this story when you get back and I'm like , hey , yo , what the heck .

So tell me what happened , what transpired , dr Nee , when you went to go look at your grade and this student was also looking at his grade I forgot how it got brought up , but I did okay , I did good and I'm not sure how that person did , but basically , but basically right , because you don't know each other's numbers , so you don't even know what number they

didn't know what scores they were looking at . Right , because you knew your number and he knew his number . But he essentially asked you how did you do ?

Speaker 1

and at that point I just I didn't feel like lying , so I just told him how I did and to this day I don't remember how he did .

Speaker 2

So you did better than him . Okay , you definitely did better than him , because he eventually got kicked out of school for academic reasons , right , right . So this person , who ? What's the real going on now ? Little did he know that in a year and a half he would get kicked out of school for academic reasons .

Speaker 1

Yeah , I'm going to tell y'all . There's a lot of times I'm not paying attention .

Speaker 2

You came back and you told me yo , you know what such and such just said to me . He just said to me , when I told him what my score was , that he didn't think that I would do that well in school .

Speaker 1

I didn't , yeah , he said . Based off of how he said , you just don't strike me as the type of person who would do well in school right and I was like what the hell is that supposed to mean ?

Speaker 2

now let me tell you it's funny , because if you ask who has the bigger temper , it's actually me , but if you ask who has the fastest temper , it is me that is true .

Speaker 1

That is true . Yeah , you do have a faster temper I do have a faster temper .

Speaker 2

I was the hell . I mean , oh my god , I was so heated for you . I'm like you don't understand what he just said to you . You're like like whatever , I was so mad for you , I was big mad .

Speaker 1

I think part of it , I think I kind of realized , but I just was like I did better than him anyway , Right , exactly . So it didn't matter , right ? Who cares ?

Speaker 2

So then you also had the story of . This is the end , like we are done with medical school and we are at our awards ceremony .

Speaker 1

Remember this with medical school and we are at our awards ceremony .

Speaker 2

Remember this one . I don't know if you , I think this one is not related . Yeah , I think it is okay , I think it is so . Everybody knew

Fighting Discrimination in Medical Training

in , at least at our school , that one of the most prestigious awards you can get is the surgery award . Right , and so they're giving out awards , they they're calling up people , you know this award , that , that award , and then here comes the surgery award , and the surgery award goes to the med school .

Speaker 1

This is in med school . We're ending . This is based off how you did in your your like your rotation , yeah yeah .

Speaker 2

Whatever scores all kinds of things . So surgery award goes to Knee Darko . Yay Right , all right . We are walking around the place , you know . Now awards are done , we're eating dinner and people are just kind of walking around and I'm walking with Knee and one of our fellow students say hey me , how'd you swing that surgery award ?

And I immediately I got the fast temper .

Speaker 1

Renee's like the Doberman .

Speaker 2

I got the fast temper . Okay , now again , this is a student of a different hue , not the same hue as the first one , but still a different hue . And he says how did you swing that surgery award ? So I stopped and I'm like , well , it's because he's the shit . And he's like ha ha , ha ha . No , seriously , how'd you swing that surgery award ?

And I said I said it's because he's the shit . Like what are you not understanding ? And then we kept walking . It's because he's the shit , like what are you not understanding ? And then we kept walking . So my fat , my temper , goes up fast , comes down really fast .

Um , so for me that question was something that was like you , there are certain people you would not have asked that question to right , like he would not have asked that question to certain people , but because Nidarko , you know , looks a certain way , he asked that question . Also .

It was also assumed that you played basketball , but that one was a little less benign . It was assumed that he played basketball . They put him on a team . They call the team Nidarko , in the token white guys , and let me tell you so I had to knee . Darko does not play basketball .

Speaker 1

That's why I didn't get in school .

Speaker 2

That one was less benign but less malignant .

Speaker 1

I think so . You know , like those types of things I just I don't know why . I just they kind of I had blinders on during those times and stuff and I just wasn't paying attention . She was way more aware of it than I was . But I have to be honest with you .

Like in my rotations in residency now I went to an HBCU program For residency , for residency that I think a lot of times people who are underrepresented , you know , they kind of put on themselves too sometimes and I've just decided that I'm not going to carry that weight because I can't change anybody's mind , can't ? you know and I won't Right .

So for me , I'm not going to take that weight on . My job is not to change your mind . My job is to take care of you when you're sick . My job is not to change your mind . My job is to take care of you when you're sick . My job is to take care of you when you're about to die and bring you back . You know from the gates of heaven .

Before you know , you go there .

Speaker 2

And you found the surgery . So you don't always succeed , but that's okay , you know .

Speaker 1

So I think , you don't know my numbers right . So I think that in general I try not to carry that stuff around with me because I think that that stuff weighs a lot If it's there , if it's blatant .

You know , for me I'm the type of person who likes to handle things like point blank and to the point , specifically , if I see it , I'm not the type of person who's like you know , I'm just going to let it go , I'll be like yo .

You know , if you have an issue with me , you don't want me to take care of you , then you know , it looks like you have to go two hours because I'm the only trauma surgeon for you in two hours and you have to go figure it out because I'm the only one on call today yeah , ain't nobody else coming to help you you know and um .

Speaker 2

So yeah , that's the way I kind of look at it um I don't , I don't let it bother me , I don't really think about it at all I think for me , my biggest one I've shared this story before is just about , you know , my pre-med advisor in particular you know whether it was discrimination because of race or discrimination , and I will say this discrimination because

of grades is real , like that is real , right . And I'm not talking about , oh well , you didn't get into the program because you didn't , whatever . That's not what I'm talking about .

I'm talking about discrimination , you know , by pre-med advisors who basically are just looking to get their numbers up and so they're like , yeah , we're not going to invest in a student who isn't necessarily the perfect student .

Speaker 1

And for me I'm like , yeah , I can see this is personal for her . Look at her .

Speaker 2

And for me I'm like , well , you know , the numbers aren't yours if the student is doing really , really well . Like you didn't put anything into this , Right , like if I came to you with a 4.0 and said , ok , I'm ready to go to med school and you write me a little you know little pre-med letter , I'm like what the hell did you put into ?

You didn't put anything into this .

Speaker 1

They don't look at you like Hercules , exactly putting anything into this .

Speaker 2

They're going to look at you like Hercules , exactly , and then they're going to take the credit , right .

So for me , the best pre-med advisors actually take the time to figure out who are the students who do want to go to medical school but don't quite know how to get there and maybe are fumbling a little bit , and then do something to help , right , do some sort of intervention to guide them .

Whereas my pre-med advisor decided to tell me that I should go to dental school and then said , no , but that's hard to get into . Also , then she said maybe you should go to graduate school and do something else . So I was like , okay , she's weird , I didn't like the advice that she gave . So I was like , okay , I didn't like the advice that she gave .

So I was like , okay , well , then I'm going to go back to her for advice , right ? I wasn't like , oh my God , like I'm not going to get into med school . I was like , oh my God , I don't know what to do . But I wasn't .

I never thought to myself that I wasn't going to make it into medical school , and I think that's where you and I are very similar . So you had no doubts . I had no doubts I was going to make it into med school . I had doubts . I've said it before .

Maybe I was naive , maybe I was cocky , but I had no doubts that I was going to make it into medical school . I just didn't know how it was going to , how I was going to get there .

Speaker 1

Yo , because when I didn't get in and I was working at the Sports Authority or I was working at CompUSA , yo when I was filling out them applications to work at Sears , yo my sister almost got me a job at AT&T . I was like yo , I ain't never going to med school , yo , I'm going to just be working customer service . Yo .

Speaker 2

Yo , I oh , I did all them jobs too .

Speaker 1

Listen , I did Listen . I'm keeping it real . I didn even say that on the podcast yo , on that other podcast Yo , your brother was , was tight , tight . I was like yo . I don't know if I'm going to do this , but anyway , keep going , keep going .

Speaker 2

No , I , I always knew I was going to get in . I just didn't know how it was going to happen .

You know , and whenever anybody asked me , even during my post-bac years , when people ask me , oh , you're going to get , I'm like , yeah , I'm going to go , I'm just going to , I'll apply when I'm ready , when I am ready , and I knew that I was working up to being ready , right .

So that was probably , you know , the first time that something was like blatantly in front of me , like , ah well , you know , you can't do it anyway , or whatever , right , just kind of discriminating against me because , specifically in this case , probably because of my grades .

But again , I don't know that if I had not been of this hue , if it would have been looked like well , you know , yeah , you didn't do well in chemistry , but you know , maybe you can do something else .

So that's very possible that you know , if I were of a different hue , I might have gotten a different response to be like , hey , let's intervene here and see what we can do to help you get onto the path .

Speaker 1

What about any other time ?

Speaker 2

Like in med school In med school or in residency .

Speaker 1

I can't remember in med school or as an attending anything like that .

Speaker 2

I can't remember in med school as a resident , I will say that I do think that I was targeted and discriminated against by an attending , by a very specific attending , probably because of my race . He was just caustic , just completely caustic to me and really sought me out to to just make my life a living hell . So I had no beef with this man .

I do not know this man .

Speaker 1

I hate to say it . I hope I don't sound ridiculous . I don't know who this man is .

Speaker 2

I mean he could be walking down the street . I wouldn't . I wouldn't know a thing . Sorry to this man . As Kiki Palmer said , I don't know this man , so I didn't know him . I didn't know him from a can of paint when I first got to . No , we don't .

When I first got to residency I didn't know him from a can of paint , but he decided he just didn't like me .

Speaker 1

He just decided he didn't like me , he didn't like you .

Speaker 2

Yeah , he just decided he didn't like me as an attending . I can't say . I mean , the most that I've ever been asked is like when I had locks are you Jamaican ? I'm like nope .

Speaker 1

I'm not gonna front when you had locks . I like the locks .

Speaker 2

You like the locks , I , I like the locks , I like the locks . You don't want that ? Okay , anyway , all right , let's go to the second question .

Speaker 1

But yeah , thank you very much for sharing that , dr Renee , because your memory is way better than my recollection . So , the second question is okay , that is true . So Renee did introduce me to locums .

Speaker 2

I did Right . Locums Me , me

Why Choose Locums Over Traditional Employment

Locums .

Speaker 1

What made you decide to pursue locum tenants work in the first place ? Dr Renee , Can you keep it short and sweet ?

Speaker 2

I will keep it short and sweet . So I met an attending in residency and she essentially introduced me to locums , but I didn't know what setting I wanted to work in .

Speaker 1

And we had broken up too .

Speaker 2

No , this is before . What are you talking about ?

Speaker 1

oh yeah , that's true .

Speaker 2

I didn't work locums because you broke up with me like what kind of stupidness is that ?

Speaker 1

but didn't you like go to like Alaska remember no , I went to Idaho .

Speaker 2

I didn't go to Idaho because you broke up with me . Same thing , no , anywho . So this guy , you know a lot of things in my life don't actually have anything to do with you before we got married . Hold up yo , let's just , you know what ?

Speaker 1

Let's just toxic me , so hold on . So when you was doing locums , you mean to tell me you ain't pick Idaho because we had just broken up ?

Speaker 2

What so let me ask you a question what does Idaho ? Have to do no , no , no , no , don't ask me no questions . Answer my question .

Speaker 1

You straight up tripping right now and you changing , you recollecting and you potting . I want you to tell the truth you can't handle the truth you can't handle the truth T-R-U-F-F Because you had told me y'all went to Idaho to get away from you . Stop fronting .

Speaker 2

To get away . You went to Miami .

Speaker 1

Okay .

Speaker 2

You went to Miami . Where were you going to find me ? First of all , your family was in Jersey . My family was in New York .

Speaker 1

So , even if I went back , even if I went to New York , even if I went to New York , I wouldn't have seen you .

Speaker 2

So I don't even know what you're talking about . You went to Miami Anywho , so I ended up doing locums because I didn't quite know what setting I wanted to be in . I didn't like the idea of signing on the dotted line and just not knowing you know what an employer was .

You know was really going to be providing for me in terms of experience , especially because a lot of a lot of employee jobs you have to sign . Usually they want you to sign for three to five years . I just I just didn't know what I wanted to do .

I had seen my seniors kind of go through the interview process as well my seniors kind of go through the interview process as well and just some of the things that I heard from them I was like , eh , I'm not really too keen on . Like you know , some of them were being made promises that I was just kind of like that sounds like a lot of bullshit to me .

Speaker 1

You're looking for a job when you're a resident is not sexy as hell .

Speaker 2

Yeah .

Speaker 1

It's not sexy yeah .

Speaker 2

One of my mentees is actually looking for a job now and , yeah , it's , it's , it's tough .

Speaker 1

So when you did locums , I was like , when we started talking , I was like yo . I was just so fascinated by it because , you know , I didn't understand how you got paid . Remember , I would always ask you I was like yo , so did they pay you first before you got there ? Right , because ? I didn't understand that you had to do .

You know you worked and then you submitted a time sheet and then they submitted the paper . I didn't get the whole concept of you know , you getting a check that has no taxes taken out of it , mm-hmm .

Speaker 2

And then like Guess , I ended up on the lam from the IRS . Yeah .

Speaker 1

Hey come , she's telling the truth , y'all so . So I did locums . Because she convinced me to do locums , because the for me , I didn't like the interview process at going to all of these different hospitals .

You go there , you interview there for eight hours and then at the end of the day or the next day they give you a contract you're trying to sell you a house . The contract is for like three to five years .

They show you where houses are and so forth , and I just was not willing at that point to be I don't know , I just didn't want to be in one place for that long and I just had a really nasty exchange between a potential employer and me and I remember telling Renee about it employer and me and I remember telling Renee about it and in essence the program

director was yelling at me telling me to make a decision quickly because you know , there was certain major things in the contract that we just couldn't get past that I had a lawyer look at and I was waiting for my lawyer to get back . And when I say major things , I'm talking about like how much call am I going to ?

Speaker 2

take .

Speaker 1

And then what happens if I go past that threshold ?

Speaker 2

of call .

Speaker 1

How should I get paid ? That's a big deal folks . I don't care what anybody says , like you need to know the scope of work , right ? How often are you going to be on call ? If you're on call and you go past that point , how are you going to get paid ?

I'm telling y'all right now , if you are looking at a potential employer and they're just saying we'll figure it out , run . That's a red flag you need to be . It needs to be very delineated how much you're going to get paid . But anyway , had a bad interaction with that person . Talked to Renee about it .

She was like yo , if they willing to talk to you like this before you sign on the dotted line , imagine how they're going to talk to you , how they're going to treat you , how you're going to interact when you don't make them happy and you signed a contract with them .

Speaker 2

And I was like yo , you right .

Speaker 1

So what I decided to do is I was like yo , I called the locums company like the next day , and then I started doing locums for a year and a half and it was amazing , I loved it . I loved it . I did everything that I was always doing as a resident , everything that I was always doing , you know , and it was just fun and it was a great experience .

And then the reason we switched to employed after that was we just decided like , look , we're getting , we're getting married , we want to start , you know , a family . Let's settle down .

Basically , and one of the places that I worked at as a locums for like a year and a half , it was a great situation to land at and we decided to take that job , turn that from a locum's job to an employed job . Boy , that we would stay there for three years . We were like three years max .

Speaker 2

We ended up staying double that time , but we had already put in our minds that we would stay there three years . Well , we stayed there three years as employed doc as employed docs .

Speaker 1

And then we stayed a couple more years afterwards yes , as locums , because we got what we wanted , right you know so so listen , it's it's listen . It's not a panacea .

It just works for us and , as I always say in every episode , you know we may be fans and maybe a little bit fanatical about it , but I do think that most doctors should have some portion of their practice , whatever it may be .

Speaker 2

Try it , you might like it . Hey , mikey . Hey , let's get mikey . Yeah , he'll eat anything here , mikey I guess mikey didn't like it .

Speaker 1

Mikey didn't like it Should be as Right . That's checks , right , Right Should be as an independent contractor , locums , whichever way you want to look at it . So , Dr Jimmy man , this is great , Great question and I wish you the best .

I know that grind of trying to get into med school is tough , but you're going to make it there and if Dr Renee is your mentor , you're well on your way .

Speaker 2

Yeah , that was so nice of you to say . I paid him $20 to say that , guys this message is approved by Dr Renee .

Speaker 1

All right , y'all , I forget how people can get in touch . You do it so well , so how can people get in touch ?

Speaker 2

You can DM us on Instagram , TikTok , anywhere social media is . You can write us a fan mail . Go down below and click that link . Oh , you can text us too . I forgot about the text number . The text number is down there too , as well , as you can go to docsoutsidetheboxcom .

Speaker 1

And don't forget everybody . We know everything . So any question you have , we don't know everything , this is edutainment purposes only , it is . It is edutainment purposes only , but we know everything . We can answer anything you know everything about edutainment , edutainment . Anything with your academics . We can answer Anything with your relationship .

We can answer Anything .

Speaker 2

We give the best answer I've been watching honestly the ability to answer yes .

Speaker 1

We can answer no we , our answers , are the best . Okay , I listen to a lot of different podcasts , I watch a lot of tv and I'm telling you , you know , I hope they put tariffs on freaking podcast equipment , because these people out here some of the things I'm like what are y'all ? Saying 20 v1 .

Hey , all right , y'all , we'll catch you guys on another episode of docs outside the box , y'all saying 20v1 . All right , y'all , we'll catch you guys on another episode of Docs Outside the Box , y'all Peace .

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