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eigenrobot's profile
eigenrobot
eigenrobot
eigenrobot
@eigenrobot

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eigenrobot

@eigenrobot

robot. friend.

eigenrobot.substack.com
Joined July 2013

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    1. Rush the House‏ @RushTheHouse 11 Jan 2020
      Replying to @eigenrobot

      How much should he have expected to make? https://www.google.com/search?q=how+much+does+an+orthodontist+make%3F&oq=how+much+does+an+orthodontist+make%3F&aqs=chrome..69i57.18096j0j7&client=ms-android-att-us-revc&sourceid=chrome-mobile&ie=UTF-8 … This 2017 article says a million: http://www.thekeendentist.com/costs-million-dollars-become-orthodontist/ … If you could borrow $600,000 at student loan rates (3%?) to start a business that paid you $270k/year for 30 years, would you do it?

      1 reply 0 retweets 1 like
    2. Troublesome Frog‏ @TroublesomeF 11 Jan 2020
      Replying to @RushTheHouse @eigenrobot

      Are they rolling heath insurance and room and board into the cost of becoming an orthodontist?

      2 replies 0 retweets 2 likes
    3. Rush the House‏ @RushTheHouse 11 Jan 2020
      Replying to @TroublesomeF @eigenrobot

      Yes, a change sometime back allowed student loans to be used for living expenses, so if I had a business case, I could borrow $600,000 and live quite well for a time. I noted the Benz purchase at $390/month. I don't make nearly as much as him and I couldn't afford that.

      1 reply 0 retweets 1 like
    4. eigenrobot‏ @eigenrobot 11 Jan 2020
      Replying to @RushTheHouse @TroublesomeF

      390/m is a drop in the bucket compared to the loans idk the interest rate is killing him

      1 reply 0 retweets 0 likes
    5. Rush the House‏ @RushTheHouse 11 Jan 2020
      Replying to @eigenrobot @TroublesomeF

      He can refi but he won't cut costs. He could cut expenses at least $40,000+/year and he'd make more than me, and I have a nice life, raised a big family on half. He's in a mess now, but much of that $600k was wasteful living. Tuition doesn't account for the whole thing.

      1 reply 0 retweets 1 like
    6. eigenrobot‏ @eigenrobot 11 Jan 2020
      Replying to @RushTheHouse @TroublesomeF

      So what do you suggest we do? Shoot him?

      1 reply 0 retweets 0 likes
    7. Rush the House‏ @RushTheHouse 11 Jan 2020
      Replying to @eigenrobot @TroublesomeF

      Can't force people to use good sense. I'd allow bankruptcy, but of course that cuts credit for responsible people too. "Every problem was someone else's solution." But, yes, I'd let him them all declare bankruptcy. Big cost to taxpayers but maybe we will get smarter?

      1 reply 0 retweets 1 like
    8. eigenrobot‏ @eigenrobot 11 Jan 2020
      Replying to @RushTheHouse @TroublesomeF

      Do it all at once and you end up with a financial crisis and really aggressive credit rationationing Not the worst in the long run apart from (most?) schools going belly up but that's not the worst eithet

      1 reply 0 retweets 1 like
    9. Rush the House‏ @RushTheHouse 11 Jan 2020
      Replying to @eigenrobot @TroublesomeF

      One last note: he said "prestige" was one reason for USC, and that's another unnecessary cost. I don't make anywhere near what you do (or he does), but when I checked glassdoor to compare the salary value of a Harvard MBA to the state U, it added $0. Prestige worth $0.

      1 reply 0 retweets 1 like
    10. Troublesome Frog‏ @TroublesomeF 11 Jan 2020
      Replying to @RushTheHouse @eigenrobot

      I'm very skeptical of a $0 prestige premium for a Harvard MBA vs state, but most people sure as hell don't know where their dentists went to school, especially for undergrad.

      1 reply 0 retweets 1 like
      eigenrobot‏ @eigenrobot 11 Jan 2020
      Replying to @TroublesomeF

      yeah going to USC was bananas and a terrible choice I went public all the way, went to my home state land grant school specifically because I didn't wanna end up 80k in debt (in the early 00s!) Hmm I was 17/18 when I made this decision Hmmmm

      11:31 AM - 11 Jan 2020
      • 2 Likes
      • Rush the House bosco
      1 reply 0 retweets 2 likes
        1. New conversation
        2. eigenrobot‏ @eigenrobot 11 Jan 2020
          Replying to @eigenrobot @TroublesomeF

          MBAs seem almost universally like a bad idea at this point :/

          1 reply 0 retweets 2 likes
        3. Troublesome Frog‏ @TroublesomeF 11 Jan 2020
          Replying to @eigenrobot

          As long as there are management consulting companies that hire out smart young graduates to do spreadsheets and outsource their HR to elite college admissions departments, elite MBAs will probably always be worth it. If nothing else, the networking opportunities are bananas.

          1 reply 0 retweets 2 likes
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