Name: 醫生常見理財誤區 (Doctor Common Financial Mistakes)
Uploaded: 2020-09-08T19:11:08.000Z
Duration: 11 min 24 s

Contrary to popular belief, doctors are not filthy rich.

與一般人的想法相反，醫生並不是骯髒的富人。

程度副詞

In fact, finances are a huge stressor for many medical students, residents, and even

事實上，經濟是很多醫學生、住院醫師的巨大壓力，甚至是

Between the opportunity cost, raising cost of tuition, and increasing interest rates

在機會成本、提高學費成本和提高利率之間。

on student loans, it's easy to see why becoming a doctor isn't as financially favorable

貸款，很容易理解為什麼成為一名醫生在經濟上並不那麼有利。

For that reason, being smart about your finances from the beginning is essential.

是以，從一開始就精打細算是非常必要的。

These are the common financial pitfalls to avoid as a pre-med and medical student.

這些都是作為醫學預科生和醫學生要避免的常見財務陷阱。

The reason its key to get a grip on your finances from even your college days is the concept

其關鍵的原因是，即使是你的大學時代，掌握你的財務是概念

In short, interest compounds over time and either work for you or against you.

簡而言之，利息隨著時間的推移而複利，要麼對你有利，要麼對你不利。

If you invest at a rate of 7% per year, that money doubles after 10 years.

如果你以每年7%的速度投資，10年後這筆錢就會翻倍。

If you take out loans at 7%, that money too compounds with time.

如果你以7%的利率貸款，這些錢也會隨著時間的推移而複利。

With the average graduating medical student carrying $200,000 in debt, it's common sense

醫學生畢業平均揹負20萬債務，這是常識

why you want to pay that money off sooner than later.

為什麼你想早點把這些錢還清。

You must personally take ownership of your own financial well-being.

你必須親自掌握自己的財務狀況。

My family was not wealthy and I had to pay for both college and medical school all on

我的家庭並不富裕，大學和醫學院的學費都是我自己掏的

But by practicing intelligent financial decisions and saving aggressively, I was able to keep

但通過實行明智的財務決策和積極的儲蓄，我能夠保持住。

my loans quite low and even pay them off shortly after graduating.

我的貸款相當低，甚至畢業後不久就還清了。

The first and most obvious mistake ties in with the common misconception that as a doctor,

第一個也是最明顯的錯誤與常見的誤區有關，作為一名醫生。

you'll never have to worry about money again.

For that reason, too many students figure they'll worry about finances later.

為此，太多的學生都以為以後會為財務發愁。

Now let's say a medical student graduates with $300,000 in debt.

現在假設一個醫學生畢業時，負債30萬元。

That debt starts accruing interest the moment they take it out in medical school.

這筆債務在醫學院拿出來的時候就開始計息了。

While they're making minimum payments in residency, it's still accruing interest.

雖然他們在居住地支付了最低限度的款項，但還是在計息。

By the time they're an attending physician and making more aggressive payments on their

等到他們成為主治醫生，在他們的身上進行更積極的支付的時候

student loans, that amount is closer to $400,000 – sometimes even more.

學生貸款，這個數額接近40萬美元，有時甚至更多。

The average primary care doctor is making $220,000 per year and the average specialist

主治醫生的平均年薪為22萬美元，專科醫生的平均年薪為22萬美元。

Not as much as most people would have you believe.

At this point, you may think “so what!?” it'll only take 2, maybe 3 years to pay off

這時，你可能會想："那又怎樣！？"只需要2年，也許3年就可以還清了。

But if we look closer, that's obviously not the case. The biggest expense, of course, is going to be taxes,

但如果我們仔細觀察，情況顯然不是這樣。最大的支出，當然要數稅收了。

but you'll also be paying for malpractice, and living expenses too.

但你也要支付誤工費，和生活費了。

And don't forget, you probably have a family at this point, which has its own set of expenses.

別忘了，你此時可能已經有了家庭，這也有自己的一套開支。

Now you see why, particularly for primary care doctors, it's not uncommon to be paying

現在你明白為什麼了吧，特別是對於基層醫生來說，付出的代價並不少見。

And the bad news is that these statistics are trending in an unfavorable direction.

而壞消息是，這些統計數據正朝著不利的方向發展。

As tuition rises, student loan options are actually getting worse.

隨著學費的上漲，學生貸款的選擇其實越來越差。

Federal subsidized loans are gone, and loan refinancing has less utility than it did before.

聯邦補貼貸款沒有了，貸款再融資的作用也不如以前。

Therefore, unless you have incredibly favorable loan terms, its best to minimize your loan

是以，除非你有非常優惠的貸款條件，否則最好儘量減少你的貸款。

For these reasons, I'm a strong advocate of educating yourself on financial basics

基於這些原因，我極力主張對自己進行財務基礎知識的教育。

Unfortunately, our modern education systems do not prioritize financial education, and

遺憾的是，我們的現代教育體系並沒有把理財教育放在優先位置，而且。

as a result many students make mistakes that, in the long term, cost them a small fortune.

結果很多學生犯了錯誤，長此以往，讓他們損失了一筆小錢。

Our personal finance videos and blog posts are a great place to start.

我們的個人理財視頻和博客文章是一個很好的開始。

If you'd like to read further, I highly recommend The White Coat Investor book, the Personal

如果你想進一步閱讀，我強烈推薦《白衣投資者》這本書，《個人的

Finance subreddit, and a few other resources I'll have linked in the description below.

金融子網，以及其他一些資源，我會在下面的描述中進行鏈接。

Students, and often times their parents, prioritize the prestige of a program too far above other

學生和他們的家長常常把一個項目的聲望看得比其他項目更重要。

I've gone over the relative importance of college prestige in a previous video.

我在之前的視頻中已經介紹過大學聲望的相對重要性。

Prestige in medical schools is arguably less important compared to college universities.

醫學院的聲望與大學大學相比，可以說是不那麼重要。

I've personally seen colleagues or helped clients from less competitive medical schools

我個人曾見過競爭不那麼激烈的醫學院的同事或幫助過的客戶。

match into highly competitive residencies at highly desirable institutions.

匹配到競爭激烈的理想院校的住院部。

That isn't to say that medical school prestige doesn't matter, but it's of secondary

這並不是說醫學院的聲望不重要，但它是次要的。

The opportunities available (and the student making the most of those opportunities) is

現有的機會（以及學生充分利用這些機會）是

most important, and these opportunities are only weakly correlated with a medical school's

最重要的，而這些機會與醫學院只存在微弱的相關性。

After a certain level, say Top 20 or 25, the relative importance of prestige drops even

到了一定的級別之後，比如說前20名或者25名，威望的相對重要性就會下降，甚至是

I'd argue other factors are more important, including your fit in the school's culture.

我認為其他因素更重要，包括你對學校文化的適應性。

Do you mesh well with other students and the faculty?

你與其他學生和老師的關係是否融洽？

Do you overall like the school and its location?

你總體上喜歡學校和它的位置嗎？

Have they offered you any financial incentives and what is your out of pocket cost going

他們有沒有為你提供任何經濟獎勵，你的自費費用是多少？

These factors will play a much greater role in your happiness, wellbeing, and long term

這些因素將對你的快樂、幸福和長期發揮更大的作用。

success than the prestige of your institution.

的成功，而不是你的機構的聲譽。

I remember during orientation week at my medical school, a lecturer presented on finance basics

我記得在醫學院的迎新周，有位講師介紹了金融基礎知識

In it, she explained anything you pay for now is costing you 50% more due to the compounding

她在裡面解釋說，由於複利的關係，你現在支付的任何費用都要多出50%。

Small expenses, like buying a $4 coffee every day at Starbucks, is actually costing you

小的支出，比如每天在星巴克買4元錢的咖啡，其實是讓你花掉了

$6 in the long term, and doing it daily adds up quick.

長期來看6元錢，每天做的話，加起來很快。

In her words, “skip the sexy coffee” and brew it yourself at home for a fraction of

用她的話說，"跳過性感的咖啡"，自己在家沖泡，只需花很少的錢。

While I agree with her logic, there's a balance one must strike.

雖然我同意她的邏輯，但人必須取得平衡。

Don't be so frugal that you make yourself miserable.

不要太節儉了，把自己弄得很痛苦。

On one extreme, you don't need to buy every new gadget that comes out.

在一個極端，你不需要買每一個新出的小工具。

Your smart phone can last a few years, trust me.

你的智能手機可以用上幾年，相信我。

And do you really need new clothes again?

You'll be rocking scrubs in the hospital most days, and no, the fancy scrubs you see

你在醫院裡大部分時間都會穿上手術服 不，你看到的是漂亮的手術服。

The free ones you get from the hospital are fine, and you'll be much more comfortable

醫院免費給你的就可以了，你會舒服多了的

getting blood, excrement, and other goodies on the hospital scrubs anyway.

讓血液，排洩物，和其他好東西 在醫院的手術服反正。

On the other extreme, don't be afraid to enjoy yourself and eat Korean BBQ every now

在另一個極端，不要怕享受，偶爾吃吃韓式BBQ

Pinching every penny to the point your happiness is significantly compromised is not a healthy

錙銖必較，以至於你的幸福感大打折扣，這不是一個健康的做法。

long term solution either, even if your wallet is better padded initially.

長久之計也好，即使你的錢包最初墊得再好。

Remember that it's easier to be poor when you're young.

記住，年輕的時候比較容易窮。

Practice simplicity and appreciation of what you have, rather than always longing for something

練習簡單和欣賞你所擁有的東西，而不是總是渴望得到一些東西。

Pick up a budgeting app and track your expenses.

拿起一個預算應用程序，跟蹤你的開支。

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醫生常見理財誤區 (Doctor Common Financial Mistakes)

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