It's just simple math.

這只是簡單的數學。

But what complicates the situation is that as humans, we are intensely emotional creatures.

但使情況複雜化的是，作為人類，我們是強烈的情感動物。

There's too much harmful financial advice being thrown around to pre meds, medical students and residents.

有太多有害的財務建議被扔給了醫學預科生、醫學生和住院醫生。

Physicians.

內科醫生。

Here's the good, bad and ugly.

這裡有好的、壞的和醜的。

A future doctor financial advice.

一個未來的醫生的財務建議。

Dr DePaul medical insiders dot com.

德保羅醫生的醫學內幕點。

We're going to start in reverse order first with the ugly worst advice followed by the bad and then summarize the good financial principles of thriving medical students and doctors.

我們將按照相反的順序先從醜陋的最壞的建議開始，然後再總結蓬勃發展的醫學生和醫生的良好財務原則。

This video is not financial advice and is for informational purposes only.

本視頻不是金融建議，僅作資訊參考之用。

There are three terrible bits of financial wisdom touted to medical students that I strongly disagree with.

有三個可怕的金融智慧被兜售給醫學生，我堅決不同意。

The first is the scrutinizing focus placed on the daily $3 coffee.

首先是對每天3美元的咖啡進行嚴格的關注。

We had a supposed financial expert.

我們有一個所謂的金融專家。

Come give us a talk at the beginning of medical school about how our quote sexy coffee every morning was going to cost us tens of thousands of dollars in the long term.

在醫學院開始的時候，來給我們講講我們每天早上引用性感的咖啡是如何在長期內讓我們花費數萬美元的。

It was so ridiculous.

這真是太荒謬了。

It became a meme at our school and any time a student was drinking coffee, we would jokingly shame them for their sexy coffee.

這成為我們學校的一個備忘錄，任何時候有學生在喝咖啡，我們都會開玩笑地羞辱他們的性感咖啡。

The argument here is that if you were to save $3 per day and invest that intelligently or use it to pay your loan burden rather than purchasing coffee, you would be a deca billionaire in 30 years.

這裡的論點是，如果你每天節省3美元，並明智地進行投資，或用它來支付你的貸款負擔，而不是購買咖啡，你將在30年內成為一個十億富翁。

The Matthew doesn't lie.

馬太福音》並沒有說謊。

If you take $3 per day and invested at an average annualized rate of return of 8%.

如果你每天拿3美元，以8%的平均年化收益率進行投資。

It adds up to something substantial After several years.

幾年之後，它就會變成一些實質性的東西。

However, the focus is misplaced getting through medical school and residency is stressful enough and depriving yourself of the simple pleasure of coffee to save some money isn't worth it.

然而，這種關注是錯誤的，通過醫學院和住院醫師培訓已經夠緊張的了，為了節省一些錢而剝奪自己喝咖啡的簡單樂趣是不值得的。

I was exceedingly frugal as a pre med medical student and resident and I wish I was a bit more willing to spend money to purchase convenience or make my life better in small, affordable ways.

作為醫學預科生和住院醫生，我非常節儉，我希望我更願意花錢購買便利，或以小的、可負擔的方式使我的生活更美好。

If coffee does that for you, then by all means go for it ideally you're able to brew it yourself at home for a fraction of the cost.

如果咖啡對你有這種作用，那麼，如果你能在家裡用一小部分成本自己沖泡咖啡，那就請你去沖泡。

And if you go that route then you should proudly drink that sexy coffee in our sexy new medical Insiders coffee mugs that you can find on merge dot medical insiders dot com.

如果你走這條路，那麼你應該自豪地用我們性感的新醫療內行咖啡杯喝那杯性感的咖啡，你可以在merge dot medical insiders dot com找到。

But if you don't go that route purchasing a $3 coffee isn't going to lead to your financial ruin.

但是，如果你不走這條路，購買3美元的咖啡並不會導致你的財務崩潰。

Either.

要麼。

Focus on large financial principles.

注重大財務原則。

The large boulders, not tiny pebbles The second is the advice to choose a specialty primarily based on compensation.

大石塊，而不是小卵石 第二是建議主要根據報酬來選擇專業。

Do neurosurgeons make more money than pediatricians?

神經外科醫生比兒科醫生賺的錢多嗎？

Absolute.

絕對的。

In fact, they're on opposite ends of the spectrum with neurosurgeons making high six figures and primary care pediatricians averaging closer to $200,000.

事實上，他們處於光譜的兩端，神經外科醫生的收入高達六位數，而初級護理兒科醫生的平均收入接近20萬美元。

But if you're the kind of person who would be happy as a primary care pediatrician, you're almost certainly not the kind of person who would be happy as a neurosurgeon and vice versa.

但是，如果你是那種願意做初級護理兒科醫生的人，你幾乎肯定不是那種願意做神經外科醫生的人，反之亦然。

The most important factor in choosing a speciality is finding something you are truly passionate about and love something, You can see yourself doing day in and day out for decades of your life.

選擇專業的最重要因素是找到你真正熱衷和熱愛的東西，你可以看到自己在幾十年的生活中日復一日地工作。

If you thought college or medical school was long understand that once you choose a specialty that will occupy most of the rest of your working career, not one year or five years, but often 2030 or more years.

如果你認為大學或醫學院很漫長，那麼你要明白，一旦你選擇了一個專業，它將佔據你工作生涯的大部分時間，不是一年或五年，而往往是2030年或更長時間。

If you love what you do, you're less likely to burn out.

如果你熱愛你的工作，你就不太可能倦怠。

More likely to find the work enjoyable and more likely to be amazing at your physician job.

更有可能覺得工作很愉快，更有可能在醫生的工作中表現得很出色。

And if you're at the top of your game, you will be able to command a higher than average compensation for your specialty.

如果你在你的遊戲中處於領先地位，你將能夠獲得比你的專業平均水平更高的報酬。

The third piece of terrible advice is to get rich off highly risky and volatile investments.

第三條糟糕的建議是靠高風險和不穩定的投資致富。

Ak going our Wall street bets YOLO and screaming.

阿克去我們華爾街的賭注YOLO和尖叫。

Gm me to the moon.

把我帶到月球。

Was I a part of that madness?

我也是這種瘋狂行為的一部分嗎？

Yes.

是的。

I have been known to dabble in my ape tendencies from time to time, but only with a tiny fraction of my portfolio and for fun knowing there's a high chance I could lose most or all of it with risky investments, you should only use money you are willing to lose and as they broke premed or medical student, you likely don't have much money you are willing to lose.

我已經知道我不時地涉足我的猿猴傾向，但只是用我的投資組合中的一小部分，而且是為了好玩，因為我知道我很有可能在有風險的投資中失去大部分或全部，你應該只用你願意失去的錢，作為他們破產的醫學預科或醫學學生，你可能沒有多少願意失去的錢。

Next up we have the bad financial advice.

接下來，我們有糟糕的財務建議。

The first is that you should choose the cheapest medical school available to you.

首先，你應該選擇你能得到的最便宜的醫學院。

The argument is that medical schools more or less offer equivalent educations and attending one school over another is not necessarily advantageous.

這種說法是，醫學院或多或少地提供了同等的教育，在一所學校就讀並不一定比另一所學校有優勢。

Therefore, you should seek to minimize the financial hit and optimize any student loan burden.

是以，你應該設法儘量減少經濟上的打擊，優化任何學生貸款負擔。

This advice may be fitting for some students, but for many it will ultimately prove harmful.

這個建議可能適合一些學生，但對許多人來說，它最終將被證明是有害的。

Even amongst United States medical schools, not all medical schools are created equal if you want to match into neurosurgery, but don't have a neurosurgery program at your medical school, you'll be at a substantial disadvantage.

即使在美國的醫學院中，也不是所有的醫學院都是平等的，如果你想進入神經外科，但你的醫學院沒有神經外科的課程，你將處於相當不利的地位。

It will be more difficult to get involved in relevant neurosurgical research, gained significant neurosurgical clinical experience and have neurosurgeon mentors who are willing to bat for you and vouch for you during your residency interviews, You may object that you have no intention of pursuing something competitive like neurosurgery.

要參與相關的神經外科研究，獲得重要的神經外科臨床經驗，並有願意為你打下手的神經外科醫生導師，在住院醫師面試時為你擔保，將會更加困難。 你可能會反對，你無意追求像神經外科這樣的競爭性工作。

However, data suggests that over 50% of medical students change their mind about specialties between starting medical school and matching into residency.

然而，數據表明，超過50%的醫學生在開始讀醫學院和匹配住院醫生之間改變了他們對專業的看法。

I was one of those students initially set on pediatric gastroenterology.

我是那些最初定位於小兒腸胃病學的學生之一。

Plastic surgery was never even on my radar until halfway through my third year of medical school.

整形手術甚至從未出現在我的視野中，直到我在醫學院第三年的一半時間裡。

For these reasons, it's a bad idea to choose a medical school primarily based on cost saving five figures and student loans.

由於這些原因，主要根據節省五位數的成本和學生貸款來選擇醫學院是個壞主意。

Now for a chance of not being able to match into your desired specialty is not a good trade off.

現在，為了一個不能匹配到你所期望的專業的機會，這不是一個好的交易。

Similarly, some suggest choosing a cheap city for both medical school and residency.

同樣，有些人建議選擇一個便宜的城市作為醫學院和住院醫生。

After all, your living expenses make up a substantial portion of your student loan burden.

畢竟，你的生活費用佔了你的學生貸款負擔的很大一部分。

Again, I'd point to the doors opened as a more important consideration beyond that, I'd also add that you need to be in a city you actually enjoy when you're not grinding hard on medical school.

同樣，我想指出打開的大門是一個更重要的考慮因素，除此之外，我還想補充一點，當你不在醫學院努力學習的時候，你需要在一個你真正喜歡的城市裡。

Finding enjoyable ways to unwind with restore to fund is mission critical.

找到令人愉快的方式來放鬆，恢復資金是關鍵任務。

If you're in a city or environment you don't enjoy, you're much more likely to burn out and be miserable throughout medical school.

如果你在一個你不喜歡的城市或環境中，你就更有可能在整個醫學院裡倦怠和痛苦。

A big part of why I chose UC SAn Diego over some top five programs in the midwest and east coast is because not only is U.

我之所以選擇加州大學聖地亞哥分校，而不是中西部和東海岸的一些前五名項目，很大一部分原因是加州大學聖地亞哥分校不僅是一所大學。

C.

C.

S.

S.

D.

D.

A strong program that opened many doors but it's also in a city I love and a short flight away from family and friends.

一個強大的項目，打開了許多門，但它也在一個我喜歡的城市，離家人和朋友只有很短的飛行距離。

The last piece of bad advice is to pursue service scholarships as a way to save money.

最後一個壞建議是把追求服務獎學金作為一種省錢的方式。

It's not some quick hack but rather a massive commitment and you need to make that decision with both eyes wide open.

這不是什麼快速黑客，而是一個巨大的承諾，你需要睜大雙眼做出這個決定。

Prior to jumping in.

在跳下去之前。

For example, the health professions scholarship program or H.

例如，衛生專業獎學金計劃或H.

P.

P.

S.

S.

P.

P.

Through the military will cover your cost of medical training.

通過軍隊會支付你的醫療培訓費用。

But there are differences from the civilian medical training pathway and profession that you should be aware of.

但是，與民用醫療培訓途徑和專業有區別，你應該注意。

We'll have more videos and blog post covering military medicine in the future to help you decide whether it's the right path for you.

我們將來會有更多涉及軍事醫學的視頻和博文，幫助你決定這是否是適合你的道路。

If you haven't already, make sure you're subscribed and hit the notification belt.

如果你還沒有，請確保你已經訂閱並點擊通知帶。

So you don't miss updates.

這樣你就不會錯過更新。

Finally, let's talk about the good medical student financial advice.

最後，讓我們來談談好的醫學生財務建議。

The first being that you should take the initiative to educate yourself on financial and investing basics even though you aren't making any money yet.

首先是你應該主動對自己進行金融和投資基礎知識的教育，即使你還沒有賺到任何錢。

This is massively important.

這一點非常重要。

While finances are deceptively simple and straightforward, human behavior is largely irrational and driven by emotion.

雖然財務工作看似簡單明瞭，但人類的行為在很大程度上是非理性的，是由情感驅動的。

This is why so many americans find themselves in debt and in precarious financial positions.

這就是為什麼這麼多美國人發現自己負債累累，財務狀況岌岌可危。

As a pre med and medical student, you're probably taking out loans knowing how student loans work, which ones are good, which ones you should avoid in the effect of interest.

作為醫學預科和醫科學生，你可能正在貸款，知道學生貸款如何運作，哪些是好的，哪些是你應該避免的利息影響。

And compounding long term is massively important by taking this seriously.

認真對待這個問題，長期複利是非常重要的。

I was able to pay my own way through college and medical school and paid off all my student loans.

我能夠自己支付大學和醫學院的學費，並還清了所有的學生貸款。

Not long after graduating, the decisions you make now will steer your future financial outcome.

畢業後不久，你現在所做的決定將引導你未來的財務結果。

If you want me to make a course on financial and investing basics for pre meds and medical students, let me know with a comment below so I can gauge interest.

如果你想讓我為醫學預科生和醫科生做一個關於金融和投資基礎知識的課程，請在下面留言告訴我，這樣我就可以衡量一下興趣。

The next piece of good advice is to live frugally by all means.

下一個好建議是千方百計地節儉生活。

This is fantastic advice and it will only make it that much sweeter in the future when you allow yourself to loosen the purse strings and enjoy some of the finer things in life.

這是非常好的建議，當你允許自己放鬆錢包並享受生活中的一些美好事物時，它只會讓你的生活更加甜蜜。

For now.

就目前而言。

While you're a student embrace the frugal student mindset when you travel, stay in hostels rather than hotels, avoid upgrading your phone every year.

當你是一個學生時，當你旅行時，擁抱節儉的學生心態，住在旅館而不是酒店，避免每年都升級你的手機。

Be content with less.

要知足常樂。

Some students say that they're already in hundreds of thousands of dollars of student loans, so adding another $1000 here or there is just a drop in the bucket.

有些學生說，他們已經有幾十萬美元的學生貸款了，所以在這裡或那裡再加1000美元只是杯水車薪。

This is nonsensical and a dangerous way of thinking with the compounding effect.

這是無稽之談，也是一種具有複合效應的危險思維方式。

Working against you that $1000 is going to balloon into a larger number and the greater your loan burden, the longer it takes to pay off, which means the compounding effect snowball grows larger and larger.

對你不利的是，這1000美元會膨脹成一個更大的數字，你的貸款負擔越大，需要的還款時間就越長，這意味著複利效應的雪球越來越大了。

Next the average premed applies to approximately 17 medical schools.

接下來，預科生平均申請到大約17所醫學院。

Only 40% of applicants gain admission and the average medical student graduates with approximately $200,000 in debt.

只有40%的申請者獲得錄取，平均每個醫學生畢業時都有大約20萬美元的債務。

But as I always say, statistics apply to populations not to individuals and you have the power to be the outlier.

但正如我常說的，統計數據適用於人群，而不是個人，你有能力成為異類。

If you view medical admissions and financial outcomes through a cost benefit analysis lens, it becomes clear that applying to too many rather than too few medical schools is almost always worthwhile.

如果你從成本效益分析的角度來看待醫學錄取和財務結果，就會發現，申請太多而不是太少的醫學院，幾乎總是值得的。

I always advise my premed clients to apply to at least 20 if not closer to 30 medical schools.

我總是建議我的醫學預科客戶至少申請20所甚至接近30所醫學院。

The downside is the marginal added cost for each medical school you apply to plus the time and effort you put towards writing secondaries.

缺點是你申請的每所醫學院的邊際附加費用，加上你為寫第二份報告所投入的時間和精力。

If you're in financial need, the double AMC has the fee assistance program or F.

如果你有經濟需要，雙AMC有費用援助計劃或F。

A.

A.

P.

P.

That you should look into.

你應該研究一下這個問題。

On the other hand, the upside is tremendous.

另一方面，上升空間是巨大的。

Not only do you increase your chances of gaining a medical school acceptance and therefore avoiding the added pain cost and time of being a re applicant, but you may even have multiple acceptances.

你不僅增加了獲得醫學院錄取的機會，從而避免了重新申請的額外痛苦成本和時間，而且你甚至有可能獲得多個錄取。

This puts you in a position of power whereby you can choose the medical school.

這使你處於一種權力的地位，你可以選擇醫學院。

That is best for you.

這對你來說是最好的。

If you're a highly competitive applicant and have multiple acceptances, you can even have medical schools try to win you over to attend their program.

如果你是一個極具競爭力的申請人，並且有多個錄取名額，你甚至可以讓醫學院試圖爭取你參加他們的項目。

I did this myself and have helped several of my clients do the same in doing so.

我自己也是這樣做的，並幫助我的幾個客戶也是這樣做的。

I was the only student awarded a merit based scholarship that covered my entire tuition and most of my living expenses.

我是唯一獲得擇優獎學金的學生，該獎學金涵蓋了我的全部學費和大部分生活費用。

This alone save me over $200,000 in student loans.

僅此一項就為我節省了20多萬美元的學生貸款。

I took out only about $7000 in student loans each year of medical school to help cover costs of living.

我在醫學院每年只借了大約7000美元的學生貸款，以幫助支付生活費用。

This isn't easy to do and there's no guarantee.

這並不容易做到，也沒有保證。

But unless you're born into a wealthy family, this is one of the most powerful things you can do to put yourself in a better financial position for the rest of your life.

但是，除非你出生在一個富裕的家庭，否則這是你能做的最有力的事情之一，可以使你的餘生處於一個更好的財務狀況。

And the way to get there is by being the most competitive applicant.

而達到這個目的的方法是成為最有競爭力的申請人。

You can be someone who is highly desirable.

你可以成為一個非常受歡迎的人。

Too many medical schools don't be a statistic.

太多的醫學院不要成為一個統計數字。

Be an outlier at medical insiders will help tutor you to a competitive M cat score finesse and bolster your medical school application, prepare you for your medical school interviews and overall make you a more desirable applicant.

成為醫學界的一個異類，將幫助你獲得一個有競爭力的M貓分數，並支持你的醫學院申請，為你的醫學院面試做好準備，總體上使你成為一個更受歡迎的申請人。

We'd be honored to help you on your journey in becoming a future doctor or surgeon, investing yourself, work with the best and put yourself in a position to not only get accepted to your dream medical school, but also earn merit based scholarships to cover the cost.

我們很榮幸能在你成為未來醫生或外科醫生的道路上幫助你，投資你自己，與最好的人一起工作，使你不僅能被你夢想的醫學院錄取，而且還能獲得基於成績的獎學金來支付費用。

Visit us on medical insiders dot com.

請訪問我們的醫學內參網。

Much love.

非常愛。

And I'll see you guys there.

我將在那裡見到你們。

Yeah.

是的。

Mm.

嗯。

Mhm mm.

Mhm mm。