0:40

Did you know Locum's Docs make , on

0:42

average , 33% more than

0:44

employed docs ? Got your

0:46

attention now . So if

0:48

you're considering Locum tenants either full-time

0:51

or on the side , you probably have

0:53

a question or two , or

0:55

maybe even 20 . Locumstorycom

0:58

is packed with unbiased information and

1:00

tools to see what the trends are

1:02

in your specialty and even make a decision

1:05

if locums is right for you . My

1:07

advice make locumstorycom

1:10

the go-to place to learn more about

1:12

locum tenants . That's locumstorycom

1:16

. All

1:19

right , everyone . Welcome to another episode

1:21

of Docs Outside the Box . I am your host

1:23

, dr Neem , joined by Dr

1:27

Rene here we go .

1:30

Ay-ay , ay-ay-ay-ay .

1:32

Are you done ?

1:34

Ay-ay , now I'm done .

1:36

You didn't hold your ear .

1:39

Ay-ay-ay-ay-ay .

1:41

Alfred , make sure you edit that out , please

1:43

.

1:44

You leave that in Alfred . You're getting a little too creative with it

1:46

. Now you leave that in Christian .

1:47

It's getting a little awkward now , anyway

1:51

, y'all welcome to another episode of Docs

1:53

Outside the Box . We got the new tagline Listen

1:56

, this is a fusion of money

1:58

, medicine as well as pop culture

2:00

. We got a lot to talk about in this

2:02

episode .

2:03

What are we talking about ? So ?

2:04

actually , this episode is going to be a feedback episode . This

2:06

is going to be something related to what people

2:09

have written to us , have asked us In

2:11

some form or fashion . We may get some feedback on

2:13

Instagram or email or what

2:15

have you , but this is an opportunity for us to kind of try

2:18

to respond back to a lot of

2:20

the feedback that we've been getting on

2:22

. You know previous episodes , so I want to take

2:25

that moment to jump into that .

2:26

Most people will call that a Q&A .

2:30

I don't know if it's Q&A , because people aren't really sending us

2:32

questions . There's maybe one question

2:34

. Actually , there aren't any questions

2:36

, it's just feedback . Ah

2:38

Right , okay , so can I just

2:40

be the skip of this show

2:42

, like you're the talent you , shannon , now

2:45

skip . All right , there you go , you

2:47

here to entertain people .

2:48

Don't do that now skip . I'm here to make sure this show goes the right

2:51

way . Don't do that now skip .

2:52

You see this I'm going to get a part in my hair .

2:55

His part is strong yeah .

3:04

Like that part . Look like , seriously , seriously , somebody put it in there

3:06

in 1965 . He's got a 1970s

3:08

part , yo , because if you go even to my album , my photo album , you look at some

3:10

of my kid , my children , child photos , you can see a strong

3:13

part that used to be right here . Yeah man

3:15

, oh my God , especially the Catholic school days . Don't

3:18

put that part in there . Oh my goodness Yo

3:20

. So we got a lot to get through

3:22

today . Guys , this is a feedback episode . Like I said

3:24

, we're going to read a review from Apple Podcasts

3:26

. We always love that , okay

3:28

. And then we're going to jump into actually

3:30

some feedback that we have gotten from

3:33

our text messaging . Remember

3:35

, you can text us at 833-230-2860

3:39

. Literally

3:43

, as soon as you text us , that comes directly to my phone , to her phone , so you can actually interact with

3:45

us directly . And then we're going to talk about

3:48

Awning , which is that online

3:50

platform . Someone texted us and wanted to know what

3:52

our thoughts what's our results of

3:54

? that and then that's

3:56

pretty much it , but we got a lot to talk about in

3:58

these things , so why don't we jump right

4:00

into it ? I got my notes . I

4:06

feel like I'm skip right . I feel like I'm ready to go ?

4:07

no mercy , keep going

4:09

no , because then we might have to pay for it

4:11

of course I know it . It

4:13

literally is no mercy , like a million times

4:16

let's just make debate .

4:18

I don't make mistakes , I just make debate

4:20

whatever shout

4:23

out to Shout out to Lil Wayne . That's

4:25

really . I actually think that's . I agree

4:27

with Skip . That's the best intro and

4:29

at least in that , like sports In ESPN

4:31

land , they're not on ESPN , they're on Fox

4:33

.

4:33

Oh sorry , that's true , I forgot they're

4:35

not ESPN anymore .

4:37

No , it's not . They're not ESPN . He's not on ESPN

4:40

anymore . Yeah , that's what I mean . That's what you meant .

4:41

Yeah , all right ?

4:43

Well , listen guys . Let's jump into an

4:45

Apple podcast review . I love these

4:47

. This was a five-star review .

4:51

This was from another , dr Rene what

4:53

.

4:53

When it's with one E right

4:55

with an Egu at the end . Did

4:59

I say it right ? Imposter .

5:04

But it's with one E . Yes , is that a man ? Well , that

5:07

is the male form of that

5:09

name , but that doesn't necessarily mean that

5:11

it is a man , because I

5:14

actually do know and

5:16

went to high school with a Renee who

5:18

was female and she used

5:20

one E , but that is the male form

5:22

of the name , renee .

5:24

Well , Dr Renee , with

5:26

one E , says love , love , love

5:28

this podcast . I truly enjoyed

5:31

Dr Parham . Shout out to Dr Parham

5:33

.

5:34

Dr Bala , that was a great , great episode

5:36

. I know , I know she made

5:38

it great .

5:40

So I truly enjoyed Dr Parham and

5:42

Atomic Habits reviews

5:44

. Love your energy guys , Keep it coming

5:47

. So we appreciate that , Dr .

5:48

Renee . Thank you , Dr Renee , Thank you very much . Yay

5:51

, yay , yay , yay , yay yay

5:53

.

5:54

All right , simmer down now . Thank you very

5:56

much for the five-star review . We appreciate

5:58

that and we appreciate that feedback . Yeah , Because

6:00

that lets us know what to do . So Dr Powerarm

6:02

if you guys have not listened to that , that

6:04

was an episode about how this doctor

6:06

was doing all the right things in terms of saving

6:08

her money going

6:11

into index funds and at one

6:13

point she had almost $500,000

6:15

in her savings account yeah

6:17

, just sitting there getting

6:20

like 1% interest If that much

6:22

and she finally woke up and realized

6:24

that she needed to have her money working harder

6:26

for her . So she got into real estate

6:28

and she's been able to really triple

6:31

X , quadruple X or whatever the hell

6:33

. It is 5X

6:35

, 10x , whatever it is . She's doing really good

6:37

right now . She's reached her FI number really

6:39

fast . So that was a dope episode . And

6:41

then Atomic Habits . We've gotten a lot of , not

6:49

just from this Apple podcast right here , but we've gotten a lot of feedback . I got people who wrote

6:51

to me on Instagram , people who wrote to us on LinkedIn saying that they really appreciated

6:53

our perspective on this book . Some

6:55

people souped up that we put them on

6:57

the book . Other people just heard of the book , never

7:00

opened the book , but just saw the clips

7:02

of what it's done for

7:04

me , right , and I'm like , hmm , maybe I should start reading

7:06

this book more . Yeah , yeah , hey

7:09

, it's been helping me . So check out the

7:11

most recent episode I don't

7:13

even know when this episode , this episode , should come out Either

7:16

way the one where I talk about 16

7:18

weeks of working out . Yeah , four books read

7:21

in four months , like

7:25

that is the road results of four months of actually doing and creating a system with

7:27

atomic habits . That book is dope doperty

7:30

, dope yeah so , look , let's move

7:32

on , because I could tell already , like so

7:35

for folks who don't know , if you're not seeing us on

7:37

youtube , shout out to y'all who watch us on

7:39

youtube . Renee's eyes are red

7:41

. The energy

7:43

is not there . Trust me , I

7:45

know my wife , the energy is not there Likely

7:50

she's tired mainly because she

7:53

is post-call .

7:54

Am I right ? Yeah , I am , I'm post-call

7:57

today . So yeah , as

8:00

much as I'm trying to cut myself

8:02

up and singing along with Lil Wayne

8:04

, I am tired .

8:06

And at this job you are per

8:09

diem correct . Yes per diem

8:11

. How do you like it ?

8:13

I mean , it's good , I like being per diem because

8:16

I get to choose when

8:18

I work , how I work . It's

8:22

very similar to locums . How

8:27

I work , it's very similar to locums , you know . So , for those of you that don't know , I work typically

8:29

only one weekend per month , and

8:31

when I do , I work the

8:33

night shift for 12 hours

8:35

. Night shift . Yeah , remember that

8:38

song ? Yeah , shout out , shout

8:40

out to who ?

8:41

shout out to who to .

8:43

Marvin , marvin Gaye , because that's who the song was

8:45

for .

8:45

He was the same stuff . I

8:47

was like , ah , you don't know who ?

8:48

it is Okay . And Jackie Robinson , not

8:50

Jackie Robinson . Jackie ugh

8:53

, jackie

8:55

, dang it . Jackie

8:57

Chan no , I

8:59

forgot who else I'm tired .

9:01

Listen , anyway , anyway . So

9:04

with per diem work , you are employed

9:06

by the hospital . Yes , you work for them , but

9:09

they have no say in your schedule

9:11

whatsoever .

9:12

Yeah , pretty much . Yeah

9:15

, it's , you know , like a per diem . They call it flex

9:17

locums , but it's really per diem work . So

9:19

you know I just kind of come in when

9:22

I say that I can come in , and

9:24

you know I just kind of come in when I say that

9:26

I can't come in . And you know , I work , like I said , 12-hour

9:28

shifts , usually a Friday , saturday

9:30

, sunday .

9:30

Yeah , so you do Friday night shifts Saturday night

9:32

shift and Sunday night shift

9:35

and then you come back home on Monday .

9:36

Yeah .

9:37

They take care of your hotel , yeah , and

9:39

then you pay your own—but you have to pay

9:41

your own gas because technically you're W-2 .

9:43

Because I'm W-2 . Technically you pay your own gas , you pay your

9:45

own food .

9:46

They take care of medical malpractice

9:48

.

9:49

Yes .

9:50

And that , for the most part , there's really

9:52

not much tax benefits . Actually , there are no tax

9:54

benefits .

9:54

Yeah , there's no tax benefits because I'm W-2 .

9:56

So I think the biggest benefit is being

9:58

able to work whenever you want to yeah and

10:01

go from there and they cover your medical malpractice right

10:03

, and then the amount of hours that you're putting in

10:05

, though you're not eligible for health insurance well

10:09

, yeah , I currently know

10:11

, but I would be eligible for health

10:13

insurance if I bumped up the number of hours

10:15

so if you were to tell someone hey , I

10:18

would do per diem work

10:20

or I would do locums , like just straight locums

10:22

, which one do you prefer ?

10:24

Ooh , well , probably

10:28

straight locums , straight locums , for me definitely

10:30

.

10:30

Yeah , because Definitely straight locums for me .

10:32

Yeah , probably straight locums

10:34

because of the tax benefits that

10:36

I would get

10:38

. Think that working straight

10:40

locums just gives you that

10:43

much more of a benefit than

10:46

you know , than

10:53

just picking when you work and how you work in comparison to per diem .

10:55

So yeah , I'd have to say locums . So I think for me , like I started thinking about , like

10:57

how I look at locums now versus

10:59

how I look at locums when I was you

11:02

I was right out of fellowship or even during

11:04

residency when you were talking about it . I think

11:06

still a lot of the terms

11:08

that we talk about goes over people's heads

11:10

W-2 versus 1099

11:12

versus locums versus per diem , tax

11:15

benefits , all these different things , a lot

11:17

of that stuff can get confusing . So

11:20

I'm really excited that you can go

11:22

to locumstorycom and check out that website

11:24

because I think you know when you go there

11:26

you'll see literally you'll get like

11:28

an A to Z type definitions

11:30

on or A to Z type of what's

11:33

the word I want to use or the way

11:35

description , way I want to use it is . Basically

11:37

they kind of help you understand

11:39

all the ins and outs of locums

11:42

Right . understand

11:45

all the ins and outs of locums , right . You know , without getting too like you don't

11:47

feel like you're reading too much , it's really like in bite-sized information

11:49

where you get it . And then , for me , I think , the other thing is

11:51

the tax benefits that they talk about . All

11:53

these different things that they talk about I think are huge . Um

11:56

, you know me , money talks . I

11:59

like the fact that I can , you

12:01

know , tell how much I'm making

12:03

and how much I would make with company

12:06

A , company B company

12:08

C those comparisons . So that's why I

12:10

like locumstorycom is because when you go there it's

12:12

really unbiased information . They give you all the information you need to

12:14

know . So I like that I like money . I like to talk about

12:16

money . I don't know what you like .

12:17

Well , we all know that you like talking about money , you

12:19

like talking about money .

12:20

Give me my money , give me my money .

12:21

Give me my money . Yeah , we know no , but seriously , yeah

12:23

, I would choose Locum over

12:26

Per Diem .

12:34

I think Locum Story is definitely a great resource , especially if you're like

12:37

I don't really know if I want to do Locum .

12:38

It's like Grand Hustle when people you know when they're talking about

12:40

the therapist and people look at Locum Story , they're like dang . You mean Grand

12:42

Crew .

12:43

Grand Crew . Yes

12:45

, what did you say ? Grand Crossover ? But I think

12:47

if people go to the website , they'll

12:51

see that there's a lot of information there that I definitely , when I was 2012

12:53

, I didn't know was out there and stuff . So I

12:55

always tell people make sure you go to locumstorycom check it out

12:58

. For me , the biggest thing that I like

13:00

about it also is it gives you pay range

13:02

. It gives you the typical schedule . So , if you

13:04

go and you type in trauma surgeon , you

13:06

go and you type in it , it will give you

13:08

what the typical schedule is . It will also

13:10

give you what the typical assignment length

13:12

. How long will you be on an assignment

13:14

? Whether it's one week if it's a month

13:17

, if it's three months , and then it also

13:19

will let you know if your field is in high demand or

13:21

not .

13:21

Which , yeah , I'll let you know if your field is in high demand or not . Which , yeah , I will

13:23

tell you a lot of the questions

13:25

. Well , we get a lot of questions about locums , but

13:28

that is one of them . Depending on the specialty , I've

13:35

gotten people you know who have asked me like , well , I don't know

13:37

, is anybody really looking for , you know , an

13:40

allergy or an immunologist

13:42

, you know for locums , and

13:44

so you know , I don't actually know the answer

13:47

to that . So that would be a great

13:49

place to go and look and see . Like I don't

13:51

know , is locums

13:53

really good for analogists ?

13:55

Not to cut you off , but that's actually a really good point . So when I

13:57

mentioned before I have it here the pay

13:59

range , the typical schedule , the assignment length

14:01

and then if your field is in high

14:03

demand or not . It actually puts it in icons so

14:06

it's really easy to read and it'll show

14:08

. The last thing it says is are you in high demand or

14:10

not ? So , yeah , when people ask those questions

14:12

like , can I get a job as an allergist , it's like well

14:14

, yeah , like , check out this site , it'll

14:16

tell you where you're

14:19

going to be in demand . If you're not , it

14:21

still lets you know what your rate is and

14:23

then we can go from there . So I like it . I think

14:25

it's dope . Guys , the link to learn

14:27

about locumstorycom . It's in the show

14:29

notes . I want you guys to check it out and

14:32

you know for me it's unbiased information . Get

14:36

a lot of benefits .

14:47

That's where people's interest . We're

14:49

going to take you through what it's

14:51

like to get a locums gig , so

14:54

you should stay tuned for that .

14:56

Love it . Dope Docs

15:56

outside the box . We're always leveling up .

15:58

Level up , level up , level up

16:00

, level up , level up . That's what I'm talking about ?

16:02

Yeah , that's what I'm talking about . Yeah , that's what I'm talking about , Yo , so let's

16:04

move on to text messaging , right , Remember

16:06

everybody . You can text us directly at 833-230-2860

16:11

.

16:12

Put it down there , alfred , alfred , hook it

16:14

up , put it down there 833-230-2860

16:20

.

16:20

Everybody text us what you think and we'll go from there . So listen

16:22

. Shayla wrote to us . She

16:24

said just listen to the episode with Dr

16:26

Shulay . Like you

16:28

said , that was a dope episode

16:31

. She made

16:33

it really dope like

16:36

you said , gotta get over that fear mentality

16:38

if I want to be outside the box of

16:41

the status quo . And then I wrote back

16:43

to her , texted back back to her directly , and

16:45

then she wrote back Facts glad to

16:47

be part of the community , love the

16:49

show and I'll

16:51

stay tuned in . You

16:53

see that guys .

16:54

Like , just like that boom .

16:54

Thanks , Dr Shayla , we can communicate with each other and

16:57

she can let us know what's going on . So , shayla

16:59

, thank you very much for writing in . We appreciate

17:01

that . And listen , we

17:03

got to pay some bills . We're going

17:05

to read our next text message when we get back

17:07

from this commercial break . So let's take this commercial

17:10

break , we'll be right back . This

17:12

episode is brought to you by locumstorycom . Backdrop

17:16

2012 , finishing

17:18

my fellowship in Miami and no decision

17:21

bigger than where and how I was

17:23

going to start working on my own , and

17:25

there it was the fork in the road being

17:27

employed versus something

17:29

I had never heard of before locum

17:31

tenants . So I decided to go the

17:33

locums route and I had a ton of questions . Then

17:35

I stumbled a bit , but

17:37

eventually I was able to stand on my own

17:40

and I have been working locums over

17:42

the past 10 years . Now , what

17:44

about you ? If you're considering locums

17:46

, you probably have hella questions , just like I did

17:48

, like who covers my malpractice

17:50

, do I really have control over

17:52

how often I work , and what are

17:54

the tax implications ? Now , lucky

17:57

for you , locumstorycom has

17:59

the answers you need . It's packed with unbiased

18:02

information and advice from docs just

18:04

like you , and there's nothing to sell here

18:06

. It's just a simple resource for

18:08

information , like finding out what's the

18:10

average pay rate for your specialty . There's

18:15

even a quiz to see if locums

18:18

is right for you . So listen , take

18:23

my advice Locumstorycom is the perfect place to start

18:25

if you want to learn more about locums . That's locumstorycom

18:29

, and we are back All right . So

18:32

our second text message

18:34

and this is going to be a long one . That's why I waited until after the break

18:36

on this one . Okay , this is from Justin . He

18:38

is an interventional radiology fellow

18:40

. He writes are

18:43

you going to come back around and tell us how

18:45

your awning investment is

18:47

going ? So I don't

18:49

know if you guys remember , but earlier

18:52

, well late last year , we

18:55

were looking for another

18:57

investment property , particularly

19:00

in Houston , texas , h-town

19:02

, and we decided to use Awning

19:04

, which is this online platform where it makes

19:06

it really easy for you , particularly

19:09

if you're far away , to invest

19:11

in faraway markets . It

19:13

does a lot of the research for you

19:15

. We ran the numbers on awning and

19:18

the numbers are very similar to the numbers that

19:20

we would use on our own online calculator

19:22

or that we would use in similar courses

19:24

that teach you how to calculate a

19:26

whole bunch of different numbers to determine if

19:29

a property is worth investing or not , and

19:31

to me I liked it a lot At

19:34

the time . You know , one of the biggest I

19:36

don't know if it's a plus or minus , but

19:38

one of the biggest things was that it was really you

19:40

really kind of just locked into single family

19:42

homes . It wasn't multifamily , but

19:45

we were really close to purchasing a

19:47

property . On Awning , we put in two

19:49

, two bids , two bids . We

19:52

should have put in way more , but there was a lot

19:54

going on in our life . So

19:56

just long story short , no

19:58

, we have not purchased a property through awning

20:00

yet , right , um , but

20:02

it doesn't mean that we are not . We

20:05

just got a lot of shit going on , basically we

20:07

do we do we need to slow down a little bit

20:09

and kind of just kind of get you know the tables

20:12

, get the seats at the chair .

20:13

Yeah , you know , get the seats at the table , kind of well

20:15

, yeah , yeah , I mean , you know , when we

20:18

talked about Dr Parham earlier

20:21

and so when I listened to her episode

20:23

and then got this

20:25

text message , I was like , ok , that's a

20:27

sign Like we need to , we

20:29

need to get back into the real estate

20:31

game . And you know , just

20:34

go back to awning . I really liked

20:36

awning as well , still

20:38

like it , and I think it's something that we

20:40

should definitely double down

20:43

on for our next

20:45

property , because , you know

20:47

, houston is a hot market and

20:50

while , yes , it's single family homes

20:52

, I think that's

20:54

what sells down there . Well , I think you know that's what . Well , I think

20:56

we're getting to a point that's what rents down there .

20:58

We're getting to a point , though I think we're going to have to start looking

21:00

more on the outskirts of Houston

21:02

, because it's picking

21:04

up quick , yeah , it's picking up quick , yeah . It's

21:06

to the point where now we're starting to say

21:08

, hey , maybe we need to look at San Antonio

21:10

, so when

21:12

we jump back into this , we

21:15

probably don't have to look at San Antonio . Now , the

21:17

thing that I wanted to bring up is well

21:19

, why haven't we jumped into it ?

21:21

Yeah .

21:22

Let's be honest , like we've had some issues with our property

21:24

, let's jump into that .

21:25

Oh yeah , the one in Pennsylvania .

21:27

Justin , we got to be real with you and let you know like we've had

21:29

some issues with our property in Pennsylvania . And

21:32

just to kind of give people a recap , our

21:34

property , which is our first investment property

21:36

ever , it's a six-unit complex . It's

21:41

in Northeastern PA .

21:42

It's doing okay , it's not doing

21:44

great , it's not doing horrible but

21:50

it's taking a lot of our attention , yeah , and we probably need to optimize

21:52

that first .

21:54

Before we jump into another property and

21:56

then look , let me just be real with

21:59

you COVID really threw a wrench into

22:01

the property . Like

22:03

we purchased the property during COVID

22:05

yeah , November 2020 . Right

22:07

, but what ends up happening

22:09

? I think the number one thing is that we've had several tenants

22:11

who have refused to pay because

22:14

of , or needing , COVID relief

22:16

.

22:16

Basically , Right needing COVID relief . Yeah , we've

22:18

had a couple of tenants who

22:21

either haven't been able to pay or just

22:23

didn't pay , and that

22:25

has definitely made it , you

22:27

might have to move your microphone back a little bit . That has definitely

22:30

made it a little more difficult . We

22:34

have two tenants that

22:36

that moved out . Yeah um

22:39

well , they moved out after not

22:41

paying rent for a long period of time right

22:43

, exactly , and then we finally got a

22:45

tenant , but then there was

22:47

an issue with that , and then that tenant ended

22:49

up moving out um , literally

22:52

months , months within

22:54

moving in yeah .

22:55

So I think overall , from a 30,000

22:57

foot view , like we did not get a chance

22:59

to build up enough reserves so

23:02

that when we weren't getting rent , we

23:04

all we had to do was just kind of go into those reserves

23:07

to pay the mortgage or to pay

23:09

other bills . And because we didn't get

23:11

a chance to build that up , because we started having

23:13

these issues very quickly on , you

23:15

know , we had to go into our own savings to

23:18

make these things work . But

23:20

I think overall we're not in , I'm

23:23

not turned off by it , I'm more annoyed

23:26

. I'm very annoyed by it .

23:27

That I know you are .

23:28

Yeah , I'm very annoyed by it , but

23:30

you know some of the things besides

23:32

the folks who have refused to pay rent . They

23:35

have left and we've gotten new people

23:37

in . And as a matter of fact , in

23:39

the rear house , where we were able to raise

23:41

rent by $700 .

23:43

Yeah .

23:44

We were able to raise rent literally by $700

23:46

by bringing in someone new as well as

23:48

doing renovations there . So during

23:50

this time two water heaters broke . During

23:52

that time we had to replace

23:55

the roof on the back house

23:57

. That was very expensive . We had to

23:59

renovate the inside of that back

24:01

house . So , you guys are saying , what's this back house

24:03

thing ? And I thought it was six units . So it's

24:05

actually two properties the

24:07

first property , which is the largest property

24:10

, that has actual five apartment buildings

24:12

in there , and then there's a little like courtyard

24:15

, like grassy knoll area , and

24:17

then behind there is a house that

24:20

is the last unit , so

24:22

that makes a total of six , so that

24:24

whole entire place . We were able to increase

24:26

the rents but we had to do some renovation

24:28

in there to get that rent Right

24:31

. And then also , at the same time

24:33

, I know there's going to be some people who are cringing , some

24:35

like real estate gurus .

24:36

Don't judge us . All right , Don't judge us . We're still learning

24:39

.

24:39

We're still learning , but so for

24:41

the first property that

24:43

has five units , the water bill is

24:45

not split Right . So

24:48

we are paying the water bill for that

24:50

and initially , I think well , for a

24:52

while up until this year , it was manageable . And initially , I think , well , for a while

24:54

, up until this year it was manageable . Then

24:56

, all of a sudden , we started slowly noticing that the bill

24:59

or the water usage started going

25:01

up , doubled and it

25:03

stayed at a doubled rate for a couple of months

25:06

and

25:09

then it just went up again . And then during that time we sent our property manager

25:11

over there to go check out what's going on , and

25:14

I don't know if they did how , how much of an evaluation

25:16

they did .

25:17

Yeah , that was questionable .

25:18

Yeah , but they finally went in and looked

25:21

and found out that one of the tenants , the

25:24

the toilets were leaking or the toilet

25:26

was just constantly running . Right , and I know everybody

25:28

kept telling me , leah , like you know , you'd be

25:30

surprised how much toilets can make your water

25:32

bill go up and I was like whatever .

25:34

Yeah , it really can . Yo

25:36

toilets Damn it really can . We

25:38

probably should go in and put like you

25:40

know how people Yo put a brick

25:42

in there or something , yeah put a brick or put you know

25:45

bottles of water in there or something

25:47

. Yeah , but toilets , definitely

25:49

that makes a difference , yeah

25:51

, that makes a difference .

25:53

Yeah , so you know , we're going to have a long meeting with our CPA

25:55

to discuss what kind of options that we can

25:57

do , Because I do think that we're probably going to be operating

25:59

at a loss .

26:00

Oh yeah .

26:01

You know , this year , or at least for 2021

26:03

. What's 2022 now ? Yeah , so we're working

26:05

on 2021 taxes . I think

26:07

we're going to be working on that . That's just me cursory , just

26:09

speaking right now . I don't know .

26:28

What are your thoughts on it ? I mean , I think once we hit our bearings with

26:30

this PA property , with the one in Pennsylvania , I think you know we'll

26:33

definitely hit the ground running again

26:35

. I'd like to hit the ground running again

26:37

with Awning . I

26:39

really like the platform . We're very

26:42

busy and frankly

26:44

, it's like because of

26:46

so much , because we have so much going

26:48

on . I'd like to use a platform

26:50

that will allow us to , that

26:53

basically will allow us

26:55

in our busy lifestyle to be able to

26:58

hit the ground running Right . Otherwise

27:00

it's going to be back at it again and then

27:02

doing numbers kind of manually or plugging

27:04

it in to a calculator . And I'm like

27:06

even that like , if you want to run

27:08

a lot of houses with

27:11

you know , with all of these numbers , you

27:13

can do it much easily , much more easily

27:15

with awning . So that's

27:17

what I'd like to use . That's my vote All right

27:19

cool .

27:20

So , justin , that's where we're at . We're

27:22

going to use it . We just got some issues we got to take care

27:24

of , so boom , there we go .

27:26

That's a good update actually . I'm glad we updated

27:28

the audience on that .

27:30

So actually , this next topic I was going

27:32

to save until next episode , but

27:34

I'm going to bring it up . So listen , I got to get my phone real quick

27:36

. I'm going to step away for a quick second . You

27:38

entertain the crowd . I'll be right back , All right

27:40

.

27:40

Hey everybody , hey

27:44

everybody sing , hey

27:46

, go , go , go , go

27:48

, go . Hey , that was horrible guys .

27:51

You told me to entertain everybody .

27:52

You didn't tell me what to do .

27:53

All . You didn't tell me to entertain everybody . You didn't tell me what to do . All right

27:55

, so listen , this is something that I think actually will upset you , because

27:58

it actually upsets me , because it actually speaks

28:00

to the state of

28:02

medical education

28:04

and how expensive it is in

28:07

the United States . So this was actually

28:09

sent to me by one of our listeners

28:11

.

28:13

Ruh-roh Rorich .

28:25

His initials are MS listeners Ruh-roh-roh-roh-roh-roh-roh-roh-roh-roh-roh-roh-roh-roh-roh-roh-roh-roh-roh-roh-roh-roh-roh-roh-roh-roh-roh-roh-roh-roh-roh-roh-roh-roh-roh-roh-roh-roh-roh-roh-roh

28:31

Dr Darko , do you think if I pursue PA

28:33

school and I am in

28:35

$275,000

28:37

after PA school , it's

28:40

still possible to repay and be okay

28:42

financially ? So basically what I think what they're

28:44

saying is do I

28:46

think if they go to PA school and

28:48

they accumulate $275,000

28:50

of student loan debt , are they still able

28:52

to repay their debt ? I know there is PSLFf

28:56

, but want to make sure I am making a

28:58

wise decision . I

29:00

was just listening to your latest podcast episode

29:02

and rethinking my plan

29:04

.

29:07

Oh , ok , man

29:10

. So

29:12

first of all , before he's got a point , though

29:14

, before we go into that , before

29:17

we go into that , I think

29:19

that Right

29:22

now , with as much information

29:24

as there is out there about

29:26

student loans , people podcasting

29:29

about personal finance , all this stuff Like

29:32

honestly medical education

29:34

, you know the leaders of medical education

29:37

need to realize you

29:41

know hold on real quick .

29:42

That episode is doing really well , like what

29:44

medical leaders need to know about

29:46

pre-med students . It's doing really well .

29:50

So , yeah , that was episode 282

29:52

. Yeah , that was episode 282

29:54

. So I think , you

29:56

know , the calling of medicine , right

29:59

, is definitely

30:02

being kind of interrupted by

30:04

the yeah , by the am

30:06

I going to be able to afford this ? And I think

30:08

, you know , the leaders in medical education

30:11

need to recognize that

30:13

. You know , you guys are not the only

30:15

game in town anymore , right

30:17

, that there are other voices at this

30:20

table basically saying

30:22

, well , if you go into

30:25

medical education , or if you , you

30:27

know , if you get a medical education , then

30:29

fill in blank here , right

30:31

? So medical education leaders are typically

30:34

like , well , if you go into medical education

30:36

, or if you get a medical

30:38

education , that you will be

30:40

fulfilling a dream . You'll be taking care of communities

30:43

, you'll be , you know , doing all these things . You'll be fulfilling

30:45

a calling . Well , the personal

30:48

finance . You know the

30:50

personal finance crew is like , well , you

30:52

can get a medical education , but here's

30:54

what it's going to cost you and here's what

30:56

you may or may not be able to pay .

31:01

And so you're not the only game in town anymore . Well , the way how I look at it

31:03

is like as someone who

31:05

was in college in the late

31:07

90s and graduated 2000 , late

31:15

90s and graduated 2000 . There's a the way in which I and the rest of my , the rest of the

31:17

you know , like the people in my graduating class , how they looked at college

31:19

versus how people look at college now

31:21

yeah totally different

31:24

how they look at college . Like now it's about

31:26

just attaining skills , right , and

31:28

I think back then , when we

31:30

were in college , it was about what's the

31:32

best school that you can go to ? Right

31:34

.

31:34

What diploma , what degree

31:37

you know be a reason why you can't finish

31:39

your degree . It made sense back then .

31:40

But actually is , I think , a reason a lot of people are

31:42

in trouble

31:59

right now , which is do you necessarily

32:01

need to go to like a really like

32:04

an Ivy League type of school to

32:06

get the skills , to get the degree that you need

32:08

to go on to the next stage , Right , Right

32:10

? So the reason I'm bringing that up , folks , is

32:12

that I still think med schools

32:14

take like an Ivy League mindset

32:17

.

32:17

Yes .

32:18

To finances

32:20

and finance in their school , which is you basically

32:22

pay to play , right , right , if you want to be

32:25

a doctor , if you want to be a PA , if you

32:27

want to be whatever insert , whatever

32:29

profession you want to do . That

32:31

happens to be something medically related , like

32:34

and it's definitely , I think , at the top

32:36

with medical school , it definitely is

32:38

epitomized by this you got to pay to play . And

32:41

I think that they're not really thinking about

32:43

how

32:45

they're compromising the mission

32:47

, the oath that we , as doctors , take

32:49

and for us to really

32:51

make decisions that are just out of our

32:53

you know , out of you know

32:55

, our our what's the word I want to use ? Out

32:58

of our skill set

33:00

, purview , whatever . It's not the skill

33:02

set , but what I'm talking about is like there's

33:05

this like empathy that we

33:07

have .

33:08

I gotcha , I gotcha . There's this

33:10

good nature that we have .

33:11

You know how people say , like , medicine is the last noble

33:13

profession .

33:14

Yeah , it's a calling .

33:15

There's a calling right Like you're compromising

33:18

or , excuse me , that calling can

33:20

be compromised when you got a ton of

33:22

student loan debt and you already have already

33:24

significant amount of people making

33:26

decisions as to what specialty they're going to choose

33:29

, what parts of the country they're going to use , they're

33:31

going to go to , based off of the amount

33:33

of money that they're going to be making

33:36

right . So when this guy brings

33:38

up this concept , I'm like yo . This is the issue

33:40

, like what he's saying is

33:43

epitomizes the issue .

33:44

Yeah , that literally is what's

33:46

going on right now .

33:48

Like that is the thing , right now Like should I be a

33:50

medical professional if I'm going to take

33:52

on all of this ?

33:53

debt . And so you know , back

33:55

in the 90s

33:57

, right , and you know , before

34:00

all of this , especially before

34:02

there was so much

34:04

information about student loan

34:06

, debt and just personal finance

34:08

in general , people

34:10

used to say , well , college is an investment , college

34:12

is an investment . Now

34:15

people are taking that to heart

34:17

, like , okay , if

34:19

college is an investment , what's

34:21

my ROI and how

34:24

long is it going to take me to

34:27

be able to do that ? And ROI no

34:29

longer means just how

34:32

much am I going to be able to get with this degree

34:34

, it's

34:36

how much am I going to be able to

34:38

pay back , and then what

34:41

am I going to have left after

34:43

I get paid ?

34:45

People are asking the questions that they should have been asking

34:47

in the 90s and the 2000s . And

34:50

from my perspective it just seems like , okay

34:52

, well , tuition is always going to go up

34:54

as long as there's going to be a guarantor to make

34:56

sure that the loans are going to be there right . So

34:59

yeah , I mean , if you know for a fact that Sallie Mae

35:01

or Navient which gives

35:03

me all my anyway which

35:06

, if you already know

35:08

that they're always going to be there to provide

35:10

these loans , what stops you from increasing

35:12

the tuition right ? Right so that's a major issue . So

35:14

, with you know what MS

35:16

is mentioning , is you know his

35:18

point about yeah , I'm going

35:21

to be in $275,000

35:23

of debt as a physician assistant . Can

35:26

I still do this ? You know , initially

35:28

, when I was in medical school

35:30

, if I saw this I'd be like

35:32

I'd slap in the back of the head and be like yo , get your

35:34

shit together Like come on . What

35:37

you thinking ? Are you trying to be a PA or what Get

35:39

her done right ? I don't know if that's

35:41

necessarily the right perspective to have . Right

35:43

Like

35:46

these are real-time decisions . It's almost like that Twitter post that

35:48

went out where the med student said

35:50

that she didn't realize the consequences of

35:53

her decisions and I think , from a

35:55

you know , if you're looking from an old

35:57

man's perspective or someone from a

35:59

perspective of get off my lawn it's very

36:01

quick to say , yeah , like you should have made decisions

36:03

before . Like there's a bunch of people

36:05

from different economic backgrounds , socioeconomic

36:09

backgrounds , who don't really think about these

36:11

type of things , right . So for

36:13

us to quickly say , or , or for some people to say , quickly say

36:15

, yeah , like that's the reason why you made this decision , because you're

36:17

financially illiterate , I don't

36:19

know , that didn't sit right with me , right . So I think

36:22

, someone who's thinking about becoming a professional

36:24

, on one hand , I'm like look , if

36:26

this is what you really want to do , then this is what you really want

36:29

to do , right , because there's a way to get

36:31

to the point where you can get out of debt and do this

36:33

. But also , at the same time , it's like damn

36:35

, $275k

36:37

. We're not even talking about interest . That's a

36:39

lot of money , that's a lot of things to

36:41

deal with .

36:42

Yeah , I mean . So this is what

36:44

I would say to MS . What

36:46

I would say is what you

36:48

have right now is one number . Change your

36:50

initials too , man . What

36:53

you have right now is one number , right

36:55

, and

37:00

I think it's always important to recognize the fact that one number alone

37:02

doesn't necessarily give you an equation

37:05

, right ? So you , what

37:07

does that mean ? In other

37:09

words , you can't have an equation with one number One

37:12

equals what Like . What does that mean ? In other words , you can't have an equation with one number

37:14

One equals what Like . What does that equal , right ? In

37:16

other words , you need more numbers . You

37:18

need to be able to see . You

37:20

know what is the likelihood

37:22

that you're going to be making a certain salary

37:25

, gotcha .

37:25

You need to be able to see .

37:27

you know , okay , if I live in this part

37:29

of the country , you know what

37:32

are my living expenses going

37:34

to be Like . You need more numbers

37:37

right to be able to make this decision , because

37:39

if you just look at one number , that's

37:42

a very limited scope . Yes

37:44

, $275,000 , that's nothing

37:46

to just sneeze at , right , like it is

37:48

a lot of money , but we don't know what

37:50

that means , relatively

37:53

speaking , when that

37:55

person gets to the

37:57

point to when they become

37:59

a PA and

38:01

they're going to be paying it back . So , do

38:04

you plan on getting a house ? Do

38:06

you plan on getting a car ? What

38:08

is your current status

38:11

in terms of debt ?

38:12

What type of hospital situation are're going to be in Right

38:14

? Are you going to be in a clinic based ?

38:15

Exactly .

38:16

Because right now I looked it up like average not

38:19

average , but like the salary range is anywhere

38:21

between like 85 to like maybe even

38:23

120 , even higher than that for physician

38:25

assistants . It's actually I might even be

38:27

wrong . I may be working with old information , but mathematical

38:29

wise it could be wrong , I may be , working with old information

38:31

, but mathematical-wise it

38:34

could be done . Ms , like , you

38:36

definitely can use

38:38

a combination of these benefits

38:41

with student loans

38:44

to be able to pay off your student loan debt , live

38:46

a life that you want but also

38:48

, at the same time , make a huge dent in your student loans

38:51

, and I think you can do it . I definitely think you

38:53

can do it based off of your income . But

38:55

I do see what you're saying . There's just so many different

38:58

variables that we need to know

39:00

more to be able to give them a definitive answer . But

39:02

I think overall , 30,000

39:04

foot view like hell yeah , yeah , it is

39:06

doable .

39:07

It's just a question of how much

39:09

of it do you want to do , right , you know

39:11

? How much of it do you want to do right ? At

39:13

what other cost do

39:16

you want to do this right ? Because that might

39:18

mean foregoing ? You

39:20

know , a new house , right , you

39:22

know , for several years . No Tesla , yo

39:24

Right , that might be foregoing

39:26

a car , you know that might

39:28

be foregoing , like that big vacation

39:31

that you wanted . Car you know that might

39:33

be foregoing , like that big vacation that

39:35

you wanted . You know , if you , you know

39:37

, even wanted to get married , that might mean you don't have that

39:39

big of a wedding .

39:42

I still remember there was a young , there was a young physician

39:44

assistant that came on when I was like in my third year

39:46

of when I was working on my job and he had a ton of student loan debt and the number

39:48

one thing that I remember he kept talking about is I want to get

39:50

a new car .

39:51

Right , oh yeah , I remember , I remember

39:53

.

39:53

Yeah , and I want to get a house

39:55

. And then things would always

39:57

change , like he was always thinking , thinking like

39:59

three , four or five years down the line

40:01

. But I was just like , dude , like the biggest thing

40:04

that you got to worry about right now is those , that student

40:06

loan debt yeah , because it's going to affect

40:08

so many different things in your life . Yeah , and

40:11

I remember him like we

40:13

would just sit and just talk and I would do the mathematics

40:15

with him , yeah , and just say , look like you get that

40:17

new car , I get that , you want

40:19

that , but think about how much money you can

40:21

just siphon off to your student loan payment .

40:23

Yeah , I remember that . You remember that . Yeah , I remember he

40:26

was always talking about he wanted a new car

40:28

and a new car and he was a PA , which

40:30

is really , you know , really

40:32

appropriate for this discussion right now , but

40:34

yeah , but

40:38

he was doing really good because he would get a lot of money through or an additional

40:40

income through overtime . Yeah .

40:41

So he was good with his money and he listened . Yeah

40:44

, and he delayed a lot of the major decisions

40:46

and purchases yeah , he eventually did

40:48

get that new car . He did , yeah , but he did it in

40:50

a smart way . So I'm really I'm

40:52

super proud of him Over years too Like he waited

40:54

.

40:55

So , like you know from him saying he wanted

40:58

the new car , to him actually getting the

41:00

car , there

41:02

were a lot of things that he did financially

41:04

for himself before he got

41:06

to that point .

41:07

And I think the cool thing too is that he educated

41:09

himself on how to properly invest . Exactly point , and I think the cool thing too is that

41:12

he educated himself on how to properly invest . So I remember he would come back and say , hey

41:14

, these are the funds that are in our 401k

41:16

, does

41:23

this make sense ? And I'd say yes or no . And then I remember

41:25

him maximizing that . And then he would find his . He got , he found

41:27

his own and started his own IRA and said I want to use this and

41:29

some of the things that he said . I knew he was doing the work . He was like

41:31

, hey , on my own IRA , like the index

41:34

funds are way better than what's in a 401k , which

41:36

is usually the case Right . And

41:38

then I was like man , my man is doing the work . And

41:40

then he , like , was able to drop 100k

41:43

off of his student loan debt , right , like

41:45

in , I think , two years .

41:46

Yeah , exactly , and he

41:49

ended up getting married . Exactly , and he ended

41:51

up getting married , yes , ended up having a baby

41:53

, and was in way better

41:55

financial , you know , in

41:57

a way better financial circumstance at

42:00

that point than when we first

42:02

met him . Yeah , yeah , remember that .

42:06

That was a great story , if that PA is listening . Man , you owe me money yo . How

42:08

about this yo ? You owe me some money yo .

42:11

That was a great story , that

42:13

literally it was great to watch . I should have .

42:15

Alfred , just put the name of the PR in the show

42:17

notes or right on here and be

42:19

like yo . Put my cash app right there . No , don't

42:21

Give me my money . Here's my QR

42:23

code . Bless my cash app .

42:25

Alfred , hook it up , bless my cash app

42:27

.

42:29

So , ms , our advice is listen

42:31

. For me , my thought process is if you really want

42:33

this , then yes , you should go after it . Like , I

42:37

think you should always consider the economics

42:39

, the money , the numbers with

42:41

any type of decision , but I think , ultimately

42:44

, the most important thing is do

42:46

you want to do this ?

42:47

Yeah .

42:47

Right , like if PA school costs $1

42:50

, but you really hated it are you going to do

42:52

it ? Most would say hell , no , like I ain't

42:54

going to spend a dollar to do something that I completely

42:56

hate .

42:57

Right .

42:59

Right . So I think it's really important

43:01

to always have that overarching theme of

43:03

is this really what

43:05

you want to do and this is what you

43:07

really want to do ? Then , like you said

43:09

, you can fill out the rest of the equation and find

43:11

out . Are you willing to make certain sacrifices

43:14

to make this dream come through as

43:16

well as come ? Did I say come

43:18

true ? come true , not through my bad

43:20

come true , and

43:23

how can you make this dream come true

43:25

as well as get the life

43:27

that you've always wanted ? Because , let's be honest , like

43:29

taking care of patients is great , taking

43:32

care of people in that fashion is

43:34

amazing , but also , at the same time , we won't be compensated

43:36

well for that right .

43:37

Right , absolutely . So let's be real with that . Yeah , I

43:39

think MS you know so this

43:42

I'm just going to say that

43:44

if MS does this , I

43:47

think MS will be successful

43:49

. And the reason I think and

43:51

I don't mean successful , just as a PA

43:53

you know . To complete , Keep going .

43:55

I'm going to get through this . Keep going .

43:56

To get you know , to

43:58

get through PA school . But

44:00

I think that MS will be

44:03

successful financially and the reason

44:05

that I think that is because the

44:08

work is actually being done up front

44:10

. Right , the work is being done

44:12

up front .

44:13

He's way ahead of the game if he's asking these type of

44:15

questions .

44:16

We don't know if that's a he or she .

44:18

Oh , it's a he .

44:19

It's a he sure .

44:21

I see his pictures , profile pictures .

44:23

Okay , okay , okay , because you didn't say all that I

44:26

was trying to be all neutral , was it ? Necessary ? Well

44:28

, yeah , because I didn't know if

44:30

that was a he or she . But

44:33

anyway let me finish my point

44:35

. So I think that MS

44:37

will be successful because the work

44:39

is being done up front and

44:41

it's not an afterthought . Obviously

44:43

he is educating

44:45

himself . You know very early on

44:48

in the process which a lot of people don't even

44:50

do .

44:50

They just go in blindly .

44:51

They just go in blindly . We went in blindly , and

44:54

so I Speak for yourself . We went in

44:56

blindly . Okay , mister , they

44:59

told me to pick a number and

45:02

I put maximum on my financial

45:04

aid . I didn't even put a number . It's like what .

45:06

Did you see that clip that Alfred made Maximum

45:10

?

45:10

It was true though Yo , alfred , be hitting those

45:13

clips yo , but yeah , so

45:15

good luck , you know . Let us know what you finally

45:17

do decide and

45:19

how you came to that conclusion .

45:21

Don't sleep on military scholarships

45:23

, Don't sleep on the federal

45:26

government scholarships like the what

45:28

is the health ?

45:30

National Health Service Corps . National Health Service

45:32

Corps . National Health Service Corps yes , LF and also State

45:34

.

45:35

Exactly . Do not sleep on

45:37

going to rural as well as

45:39

suburban areas where hospitals

45:42

individually will give you some type

45:44

of financial aid to make sure that

45:47

this occurs Without you having to

45:49

fork over so much of your own salary

45:51

towards your own student loan debt . You can

45:53

do this financially . You

45:55

can make this happen . Just know that there's

45:57

a whole bunch of different options out there and , like

45:59

I said , it may not align

46:02

with the dream that you've always had , but you

46:04

just may have to just kind of fine-tune it a little

46:06

bit and oftentimes you'll find out that that new dream is way

46:08

better .

46:09

Yeah , absolutely , because

46:13

you have a dream in your head but you don't know how that's really going to pan out . Like

46:15

if you had asked me if my life was going

46:17

to be like this , you know

46:19

, 20 years ago I'd be

46:21

like no way .

46:22

Yeah , you know , but I really

46:24

hope medical leaders . Here I am with you , I

46:29

should pinch you , but I wake up from this dream , right

46:31

, oh snap , or

46:34

this nightmare . But I do

46:36

hope that medical leaders are listening

46:38

to this type of listening to this episode

46:40

, because listen .

46:40

Yeah , this is a question , boy , this is a really

46:43

interesting question .

46:44

This is indicative of the times

46:46

, of what people are thinking . If you

46:49

are coming , if you're looking for people from certain

46:51

neighborhoods , from certain

46:54

demographics ?

46:55

if you're looking for underrepresented people

46:57

in medicine , these

47:01

are the questions that need to be answered . Look , that's just

47:03

what it is . Let's be plain Jane .

47:04

The majority of people who are applying to medical school

47:06

are of a certain status . These

47:09

are the people who don't need financial aid and so forth . The

47:11

stats are there . It's on the AAMC's website

47:13

. I don't know if it's on AACOM's website .

47:15

I'm not sure , but yeah , it's on AAMC

47:17

for sure .

47:18

Right , but there's a small percentage who

47:20

don't come from that

47:22

very strong position and

47:25

are using medicine as a come-up

47:27

, which is completely fine . But

47:31

when you have more and more student loan debt and you have these huge financial barriers , what

47:33

you're doing is you're closing off the

47:35

ability for these folks to apply

47:38

to school , to feel like they're welcome here . So

47:40

it's something that I think that they need to address . Yeah

47:42

, even beyond MS's question

47:45

as a physician assistant , this is something that I think that we

47:47

need to address . It's a major issue

47:49

and , ms , thank you so much for reaching

47:51

out to us . He wrote to me through

47:53

IG , okay , great . So

47:55

guys , look , it's IG . There's

47:58

text , right . Let me say the number again . Alfred

48:00

, put it on the screen 833-230-2860

48:04

. You could also email us and let us know

48:06

what's going on , and that's about

48:08

it for the show , actually . Yeah . So on the

48:10

next show , though , we're going to talk about

48:13

something about

48:15

this card right here that I

48:17

got . I'm going to read this to you . It says you

48:19

are eligible to receive a payment from

48:21

the Navient Multistate AG

48:24

Settlement . Yay , On

48:28

January 13th 2022

48:30

, our office announced a mult-state

48:32

settlement with Navient to resolve allegations

48:34

of unfair and deceptive student loan services

48:37

or servicing practices , and

48:39

practices including steering federal

48:41

loan borrowers into forbearance instead

48:43

of counseling them about income driven repayment plans . You

48:49

qualify to receive a payment of approximately .

48:53

One dollar , one dollar

48:55

.

48:56

So we're going to talk about this on the next episode . So obviously

48:58

Navient got their asses sued , class

49:00

action and people getting money .

49:02

So when you guys heard that story , but

49:04

when ?

49:04

y'all heard this story . Y'all thought we were crazy . When I

49:06

told you I was in between cases , I was in

49:08

residency , and I would say what do I need

49:11

to do to get you guys to stop calling me ? And the

49:13

number one thing they said was do forbearance

49:15

. Yes , yes , same

49:17

. Here At the time I didn't know anything else

49:19

Same . And it turned out that they

49:21

had other plans , they had other things that they could

49:23

have told us about . Yes , Same . Shame

49:27

on you , shame , shame

49:29

on you , and it's not even a joking matter . You owe us some

49:31

money , yo ? So , however amount

49:33

that they're going to say , I'm not going to say that until the next show , but

49:35

we're going to talk about that on an upcoming episode

49:37

of Docs Outside the Box . So

49:40

listen , justin Shayla

49:42

, as well as Dr Renee

49:45

, thank you so much for reaching out to us , as

49:47

well as MS , thank you for writing

49:49

. The last thing I was going to say is , ms , don't sleep on

49:51

doing locums . As a PA , you can do that also

49:53

.

49:53

Oh yeah , that's true .

49:54

Check out locumstorycom . They got stories

49:57

from a whole bunch of different medical practitioners . It's

49:59

not just physicians up there . They got stories

50:01

from PAs up there Also

50:03

locumstorycom . And

50:06

listen , guys , we and catch y'all on the next episode

50:08

. Peace

50:11

, Peace .