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[quote=Anonymous]OP back…your medicine analogy is a good one 9:20. When I'm teaching senior residents, I always give them the white/black/grey speech. I.e., you'll see some patients who are a slam dunk admit: 65 yo male with hypertension, active smoker, abnormal EKG. Or, the slam dunk discharge: 25 year old woman with paronychia (soft tissue infection around a fingernail, often from a manicure); drain and go home. 
The difficult cases are the the patients who are in-between:

The 40 yo guy with a normal EKG but a decent story for chest pain and an early family history of coronary dz. The well-controlled diabetic 80 yo who skipped a meal, took her insulin, and dropped her sugar. She responds well to IV/oral glucose/a meal but then you call the daughter 2 states over who says mom lives alone and maybe has a touch of dementia? She's not sure?

Those are the cases where practice styles differ and you can make arguments to handle their care a few different ways. My friends who have paid off their school debt advocate that approach, but less myopic people outside of medicine argue for a more balanced approach that leans toward retirement (esp given my late start).

Ultimately, I'm leaning toward a 60/40 split favoring retirement with a loan pay-off goal of 10 years (a compromise between my desire to be done in 5 years but current estimated payoff date of 21+).

So when I blow out the candles on my 50th birthday cake, I can wish for something other than debt forgiveness, bc it'll be done!

50th birthday. Yeesh. Now I'm depressed again. :)[/quote]

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