Two years ago, i was having a hard time in life. My wife was really sick. We lost a baby. I was really poor.

I quit PhD, move to clinical work, gain some experience, certifications and move to another city. Got better pay, still in debt for the past but it is slightly getting better. Life didnt turn excellent, but it is fine.

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Well anyway, my old employee, the university, recently sent me an LOD asking me to repay all the salary they paid before because I didnt complete my PhD. They didnt pay my fees. Just my salary.

So i am on ongoing process asking for some reduction.

Good luck my guy. It'll get worse before it gets better.

I'm on a similar boat, life has been a bit rough the last few years but now it's more or less ok, I'm slowly but surely growing in my alternative health practice but it's still not enough to live comfortably, yet. I've been reluctant to supplement my income by going back to some allopathic medicine position, it just feels against what I stand for and have been fighting against. Bitcoin is what gives me hope and my family is what gives me strength.

Sometimes I do wish I would've studied an engineering degree or learned a hard skill like plumbing, there is much more freedom of movement with something like that and less fiat ideology imbedded in it. There are so many more hoops to jump through as an MD if you want to work in a different country.