Become a doctor and you will soon be wealthy, right?

當上醫生，很快就能發財了吧？

I mean toiling through undergrad, medical school, and residency surely means that by

我的意思是，通過大學、醫學院和住院醫師的辛勤工作，肯定意味著，通過。

the time you're a full fledged attending physician, you will be making bank and surely

當你成為一名正式的主治醫生時，你將會賺到錢，而且肯定會

the hard work will pay off financially.

苦盡甘來

Not so fast.

沒那麼快

What's going on guys!

這是怎麼回事的傢伙！

J from MedSchoolInsiders.com.

J從醫校內參網。

This video was inspired by a post by Kevin Pezzi, link is in the description below.

這個視頻的靈感來自於Kevin Pezzi的一篇文章，鏈接在下面的描述中。

Becoming a doctor in the United States and most other countries for that matter, may

在美國和大多數其他國家，成為一名醫生，可能會讓你的生活更美好。

not be as financially lucrative as the general public believes.

並不像一般人認為的那樣有利可圖。

In this video, we will do a quick demonstration and analysis of finances between physicians

在這個視頻中，我們將對醫生之間的財務做一個快速的演示和分析。

and UPS drivers.

和UPS司機。

The results may surprise you.

結果可能會讓你大吃一驚。

This analysis cannot be perfectly accurate as there are too many variables at play, therefore

這種分析不可能是完全準確的，因為有太多的變量在起作用，是以。

we use a series of assumptions.

我們使用一系列的假設。

There is a link to the analysis spreadsheet in the description below where you can follow

在下面的描述中，有一個分析電子表格的鏈接，你可以在那裡按照

along with the calculations that I made.

以及我的計算結果。

First, let's decide how much money the average doctor makes.

首先，我們來決定一般醫生能賺多少錢。

A 2017 Medscape physician survey placed the average full-time compensation for primary

2017年Medscape醫生的一項調查將主治醫生的平均全職薪酬置於

care physicians at $217,000 per year.

護理醫生，年薪21.7萬美元。

Specialists such as cardiologist, dermatologist, radiologists etc made an average of $316,000

心臟科、皮膚科、放射科等專科醫生平均收入31.6萬元

per year.

每年。

A UPS Driver, on the other hand, makes much less at only $74,000 per year.

而UPS司機的年薪則低得多，只有7.4萬美元。

While on the surface ,being a physician seems much more financially lucrative, we must remember

雖然從表面上看，做醫生似乎在經濟上更有利可圖，但我們必須記得

that physicians, unlike UPS drivers, must undergo 4 years for a bachelor's degree,

醫師與UPS司機不同，必須經過4年時間才能獲得學士學位。

then 4 years of medical school, and then 3-7 years of residency prior to securing attending

然後是4年的醫學院，然後是3-7年的住院醫師，然後才是主治醫師。

physician salaries.

醫生的工資；

In the process, these individuals accumulate debt from college and medical school amassing

在這一過程中，這些人從大學和醫學院積累的債務積累了

to an average of $185,000.

到平均18.5萬美元。

Compound interest also comes into play.

複利也是有作用的。

For the sake of simplicity, UPS drivers and doctors each save $5,500 per year and have

為簡單起見，UPS司機和醫生每人每年節省5500元，並有

a return of investment of 7%, which is the historic average of the stock market.

7%的投資回報率，這是股市的歷史平均水平。

Doctors, however, only start investing when they are out of debt, which is 10-12 years

然而，醫生們只有在擺脫了債務，也就是10-12年後才開始投資

later.

後來。

This analysis does not include yearly expenses or interest on student loans, but rather only

該分析不包括每年的開支或學生貸款利息，而只包括

income and investments, again for the sake of simplicity.

收入和投資，同樣為了簡單。

Overtime for UPS drivers is $45/hour.

UPS司機的加班費是45美元/小時。

I ran the analysis for a UPS driver working only 40 hours per week, but then also for

我對一個每週只工作40小時的UPS司機進行了分析，但同時也對他進行了分析。

a UPS driver working the same hours as a doctor, which is 80 hours per week up until they finish

一個UPS司機的工作時間和醫生的工作時間一樣，也就是每週80個小時，直到他們完成工作。

residency.

居住地。

After residency, work hours per week drop to 60.

住院後，每週工作時間降至60小時。

So Who Is Better off Financially?

那麼，誰的財務狀況更好呢？

Looking at the analysis, we see that a UPS driver working only 40 hours per week is financially

從分析來看，我們看到，一個每週只工作40小時的UPS司機在經濟上是

ahead of doctors, both primary care and specialists, until the age of 34 – or 16 years after

領先於醫生，包括初級保健和專科醫生，直到34歲--或16年後。

finishing high school.

高中畢業。

That means throughout your twenties and the first half of your thirties, (which let's

這意味著在你的二十幾歲和三十幾歲的前半段，（讓我們

face it, that's your prime) you would be better off financially as a UPS driver working only

面對它，這是你的黃金）你會更好的經濟作為一個UPS司機只工作的UPS

40 hours per week.

每週40小時。

If a UPS driver works the same hours as a physician and gets paid overtime, it takes

如果UPS司機與醫生工作時間相同，並獲得加班費，則需要

longer for a physician to catch up.

更長的時間讓醫生趕上。

Specialists, such as radiologists, anesthesiologists, and other high income specialties average

放射科醫生、麻醉科醫生等高收入專科醫生平均

again, $316,000 per year.

又是每年316,000元。

It still takes them until the age of 41 – that's 23 years after high school – to catch up

他們還是要到41歲--也就是高中畢業後的23年--才能趕上

with the UPS driver who is working the same hours.

與工作時間相同的UPS司機。

As a primary care doctor earning $217,000, it takes even longer.

作為一個收入21.7萬元的主治醫生，需要的時間更久。

They only catch up to the UPS driver at the age of 53 – 35 years after high school – and

他們在53歲時才追上UPS司機--高中畢業35年後--而且。

only 12 years before retirement.

離退休只有12年。

Should I Go Into Medicine for the Money?

要不要為了錢而去做醫生？

I'll let you answer that question.

我讓你來回答這個問題。

I understand this analysis is far from perfect and that's beside the point.

我明白這種分析遠非完美，這不是重點。

The purpose of this analysis was to demonstrate that becoming a physician is not as lucrative

這個分析的目的是為了證明，成為醫生並不是那麼賺錢的

as you may initially think from seeing the salaries.

正如你最初從看到工資時可能會想到的那樣。

There is a massive opportunity cost associated with this career path due to over 10 years

由於10年以上的時間，這條職業道路存在著巨大的機會成本。

of training and student debt.

的培訓和學生債務。

Medicine is not a bad field to go into – I have completed medical school and am now in

醫學是一個不錯的領域--我已經完成了醫學院的學業，現在在醫院工作。

residency.

居住地。

I have zero regrets about that and I love the field I chose.

我對此零遺憾，我喜歡我選擇的領域。

But if you are on the fence, if you think going into medicine and becoming a doctor

但如果你在猶豫不決，如果你認為進入醫學領域，成為一名醫生。

will make you rich and allow you to live lavishly, then I hope this analysis has shed some light

會讓你發家致富，讓你過上奢侈的生活，那麼希望這篇分析能給你帶來一些啟示。

on the reality of the situation.

關於現實情況。

Don't go into medicine for the money.

不要為了錢而去做醫生。

For those of you who are undecided on a career in medicine, check out my video on “Is Med

對於那些還沒有決定是否從事醫學事業的人，請看我的視頻 "醫學是

School Right for Me?”

學校適合我嗎？"

I'm curious to hear your thoughts in the comments below.

我很想在下面的評論中聽聽你的想法。

Are you surprised by these figures and the analysis?

你是否對這些數據和分析感到驚訝？

Are you relieved that you did not go into medicine?

你沒有去學醫，你放心嗎？

Are you having second thoughts?

你是不是有二心？

Or are you happy because the money wasn't ever the primary focus?

還是因為錢從來都不是最主要的，所以你很高興？

As always, thank you all so much for watching.

一如既往，非常感謝大家的觀看。

If you found value in this video then please press the like or subscribe button as those

如果你在這個視頻中發現了價值，那麼請按下喜歡或訂閱按鈕，因為這些都是你的朋友。

really help us out a great deal.

真的幫了我們大忙。

New videos every week and I will see you guys in that next one.

每週都會有新的視頻，我們下一個視頻就會看到你們。