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murseman24 MSN, CRNA

anesthesiology
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murseman24 is a MSN, CRNA and specializes in anesthesiology.

murseman24's Latest Activity

  1. murseman24

    JUST finished school

    Why wait so long to take your boards? Didn't you just spend the last 4 years learning what you need to take them? I think it better to cram really hard over a two week period if you're worried about boards then to wait so long to take them. I mean how hard are you really going to study for 2 months straight? I would end up forgetting more than I learned in those two months.
  2. How can one have the capacity for this when they are focused on how to prime the IV tubing they never got to touch in school? No, you have to be able to go through the basic motions before you can "ascend" to the level of critical thinking.
  3. This is ridiculous and SHOULD NOT BE A THING. You should not be able to graduate without a minimum of clinical hours. When I graduated I worked as a CNA in the ICU full time during the nights while I did nursing ADN program full time. I did CPR more times than I could count and did every nursing skill one could do multiple times, I was very well prepared, and I was still stressed as can be during my GN program in the ICU. The CRNA schools around me took their students out of clinical for a few months and have since put them back in. They now stay longer during the day and their graduation has been postponed. Many stay past their scheduled hours to make good impressions and gain valuable experience with complex cases. There is no substitution for clinical experience. It is expected that you go above and beyond. This lowers the bar quite dramatically. I don't know what the legal minimum standard to graduate nursing school is, but this makes it appear like one could do the job after watching some Youtube videos. Embarrassing.
  4. yes
  5. murseman24

    Over $300k in student loans - help.

    the IBR schedule is 20 years, not 10, that is PSLF. Mathematically you just pay less this way, plain and simple.
  6. murseman24

    Over $300k in student loans - help.

    This statement was made in response to a comment on the general utility of Dave Ramsey's advice from someone other than the OP. My advice as previously mentioned to the OP is to get on an income-based repayment program and go for forgiveness. In this manner the OP should still have enough extra income to invest for retirement and live their life. Even so, it looks like those on here who are fans of Dave Ramsey advise to "go all in" and pay down the debt with every remaining cent (characteristic of his advice). This again, would be a poor choice.
  7. murseman24

    Over $300k in student loans - help.

    CONGRATS. His teaching is more along the lines of how to be responsible with your money, not how to invest and make the best use of it.
  8. murseman24

    Over $300k in student loans - help.

    exactly why an income-based repayment plan going for loan forgiveness after 20 years is the way to go.
  9. murseman24

    Over $300k in student loans - help.

    Congratulations, that's a big deal. If everyone followed his principles there would be much less financial hardship for sure. It's a great base to get yourself out of the hole and back in the positive. Once you get to the point where you can budget effectively and pay off bad debt if you want to make the best use of your money, it's at that time people should move on from Dave Ramsey to learn some basic investing principles.
  10. murseman24

    A fib RVR vs SVT

    If you're looking for a very easy to read first ekg book, Dubin's "Rapid Interpretaion of EKG's" will get you started. It's a very easy read with pictures on each page and usually less than a paragraph per page. It does a fantastic job of explaining basic concepts for ekg interpretation though.
  11. murseman24

    A fib RVR vs SVT

    Main thing is don't give adenosine to anyone in a-fib, if there is an accessory pathway their ventricular rate may INCREASE and convert to v-fib. a-fib RVR can be treated with calcium channel blockers and beta blockers. Quickest distinguishing feature is the regularity of the rhythm, are the QRS complexes spaced evenly apart between each beat?
  12. murseman24

    Over $300k in student loans - help.

    Some of his advice is just plain wrong. He advises foregoing contributing to your 401k until all of your debt is paid off and not carrying a credit card. He has an axe to grind and has made his fortune being an extremist. He is debt averse to a fault and any public financially literate voice thinks he's just a businessman selling a product. He preys on the financially illiterate so they buy his products.
  13. murseman24

    Over $300k in student loans - help.

    as a general rule once your debt:income ratio is over 2 (You owe twice as much on your student loans than what you make per year), you end up paying less money in the end by stretching out your payments for 20 yrs than by paying off the loan. Gross 100k with 300k loan is like digging a ditch with a hand trowel. No, you cannot pay that off in 4 years if you're making 100k even if you eat ramen every day and sleep under a bridge to avoid paying for housing.
  14. murseman24

    Over $300k in student loans - help.

    none of this addresses the question nor is it anything that's not obvious to someone who is old enough to hold an actual job, whether or not they put it into practice is different.
  15. murseman24

    Over $300k in student loans - help.

    good expert advice isn't and should not be free, that' s how you know you're not being sold up the river. Any financial advice should be fee for service not commission based to avoid conflicts of interest, otherwise you're speaking to a salesman. Basic financial principles can be learned and put into practice. The intricacies of specific tax laws as they apply to the IRS tax code is not basic Dave Ramsey elementary advice. To have that much debt and not be making >300k on a physician's salary I'd be willing to wager you'd save tens of thousands of dollars by speaking to a specialist in this area. The debt to income ratio here is enormous and every loophole one could find may end up saving you a ton of money. There are specifics to how you file your taxes being HOH and married and how that affects your IBR program among other things that an expert could use to save you many thousands over the life of your loan. I can tell you they will most likely have you go for debt forgiveness after 20 years with the goal of reducing your payments as much as legally possible. Which strings they pull to achieve this goal is the question. Good Luck. The pdf book I posted is a great start if you're just looking for general advice and how the different programs work.
  16. murseman24

    Over $300k in student loans - help.

    If you're looking for a resource you may want to check out the pdf book I posted previously. He is a widely cited expert on student loans and has been featured on whitecoatinvestor and financial independence groups. He's generally thought of as trustworthy. If you owe a lot and make a little it would probably be prudent to pay for a consultation