@Punk-assBookJockey We too thought about military service, as my husband was an Air Force reserve medic for 10 years, which paid for his undergrad. But after those 10 years, in which he was sent to 18 different countries and in war zones for three different wars, we decided against re-joining to have them wipe away his medical debt. I often wonder if that was the right call, because the lure of having that debt disappear is very strong. You may not make "real doctor money" for a while, but the tradeoff, being med debt free, is probably an incredible feeling!
Nice to see a post related to medical debt, as my husband and I struggle with how to manage his. He is two years out of residency, working as an ER physician in a very well-paid position in the West (which is tough to find) and I, as the one who manages our finances, still feel overwhelmed and burdened by the debt load and our incredibly high Federal Direct loan interest rate (6.375%, on about $360,000, because he attended a costly east coast medical school). I'm a minimalist, our needs are simple, and "lifestyle creep" is not really an issue. We would like to travel more, and we just had a child and they seem expensive no matter how conscientious you are, but we don't live any kind of luxurious lifestyle, and that's fine with me. We basically pay our bills and put the majority of our income toward retirement (because we started late and must catch up) and debt payoff. We'll pay off his educational debt in 12 years IF we're lucky. He loves his job and we love where we live, so we feel fortunate -- but I struggle with how to allocate money each month, no matter how much there is. I don't feel great building up a savings account when that great amount of debt is sitting there at a high interest rate.
@JNC Musings Factory , you were able to defer loans? My husband could only put them in forbearance, equaling $45,000 of capitalized interest during residency, as we were unable to pay on a resident salary (obviously). I've not heard of anyone being able to defer and avoid the interest.
@Meaghano Oh, I suppose we all have our particular hells to go through with newborns :-) Sounds like you're doing quite awesome, all things considered! We're at week 10, and it's SO much better than the first four weeks. If I ever talk about having another baby, I have instructed my husband to remind me of those, and that will be all I need to return to the idea that 1 baby is best! :)
I know breastfeeding is hard at times (inconvenient, painful at times, ugh cracked nipples) -- but take it from a new mama who cried for a week because she was unable to breastfeed: you're lucky :)
We had a good experience with our realtor and he really fought for us (we live in an area of Colorado where the real estate market is never, ever "down," and houses fly off the market). But the mortgage brokers? Not so much. We were told, "You know, you could get a loan for double this amount easily if you wanted." We were encouraged to Buy More House, Buy More House. They do not have clients' best interests in mind whatsoever! And we are quite happy with our modestly-priced (for our area) home in need of upgrades, because our mortgage will never, ever be a challenge to make each month.
I understand Meaghan! I'm 2 weeks away from also wishing for a dilated cervix. Get. This. Kid. OUT OF ME! My one thing is to finish packing a hospital bag. And my husband's one thing (which I have assigned him, ha!) is to install the car seat bases because he will do it right, whereas I will say "this looks good enough I guess" and likely endanger our soon-to-arrive spawn's safety. Supermom already!
I'm 37 weeks. My baby was breech, and my doc suggested acupuncture to try and turn him. No success, though I did enjoy some aspects of acupuncture (and I had an external version procedure which worked to turn him, thankfully). My acupuncturist said he's had definite success with inducing and we can explore that when the time draws near. I'm going to try it. Sex has worked for some friends, not for others; the tea and herbs, etc., not so much. But given how I feel now, I imagine when I hit 40 weeks that I'll be willing to give anything a shot to get the baby OUT :-)
I LOVE my bicycle. When we lived in Washington D.C. biking was a bit terrifying -- but now we live in small town Colorado, and I road bike 50+ mile rides whenever I can, because it brings me joy. Takes a bit of extra effort to bike commute to work, but so worth it.
Most important sentence in here: "A degree is not a guarantee of anything, unfortunately." I have an MFA. Three year program, full funding, teaching appointment. And now - whoopdedoo! There are about a million other folks with MFAs, all battling over the perhaps three quality teaching jobs in the country. Masters degree doesn't = professor, and it sure doesn't = a great creative writing position. Though if you want to work your butt off teaching comp for $20,000 a year, well then - an MFA could be just the thing for you! I am thankful a full-time tenured teaching gig was not my goal.