Contrary to popular belief (and those endless “plus 2 mudichathum doctor aaganum!” pep talks 🤦♂️), becoming a doctor doesn’t mean you’re rolling in luxury cars and Bali trips by your early 30s. Let’s get real with Dr. Karthik and Mr. Balaji. 🚀
👨⚕️ Dr. Karthik’s Journey:
- 🧑🎓 Age 17: Cracks NEET after two years of intense coaching & stress-induced samosas 🍽️
- 💉 Age 23: MBBS done. Internship stipend? ₹15,000/month. “kaasu peerikadakku varuthu!”? Illa!
- 🎯 Age 24: PG entrance – some call it “India version-la Squid Game!” 🦑
- 💼 Age 27: MD seat. ₹50,000/month. Weekend? “Party-ku illengada, inge night duty dhaan!” 😴
- 🏥 Emergency ward trauma: “Injection kuduthu kaasu collect panreenga?” nu attack pannuvaranga.
- 📚 Age 30: Super-specialty begins – more books, more exams, more night shifts.
- 💍 Age 32: Marriage! Society expects car, honeymoon, grand functions – salary still tight.
- 👶 Age 34: Kids! School fees, paal packet, everything costly.
- 💸 Age 35–38: Finally earning ₹1.5–2 lakhs/month – but juggling car loan, personal loan, education loan!
- ⚠️ Reality? Only late 30s dhaan decent income – but stress and trauma remain lifelong companions!
👨💼 Mr. Balaji’s Ride (Not Without Challenges!):
- 🧑🎓 Age 17: Cracks JEE – super tough, daily tests, “physics la nightmare-level stress!”
- 🎓 Age 18–21: IIT BTech life – but compared to medical college, stress lighter: “Friends, fests, placements!”
- 🎓 Age 21: MBA at IIM – “Why not?” 😂
- 💼 Age 23: Joins McBigConsulting & Co. 🧑💼
- 🍹 Age 25: ₹25 lakhs+ CTC. Bali trips, drinks costlier than Dr. Karthik’s internship stipend!
- 🥳 Age 30: Manager – ₹50 lakhs+ package, office parties in Goa!
💡 The Hidden Financial Stress for Doctors:
By late 30s, Dr. Karthik is: ✔️ Married, with kids 👨👩👧 ✔️ Burdened by loans to keep up “society standards” 💸 ✔️ Trying to reverse wrong financial decisions like personal loans, fancy car EMIs & random ULIPs 🤦 ✔️ Realizing it’s tough to fix those mistakes! 🛑
⚠️ Top Financial Mistakes to Avoid:
- ✅ Taking personal loans for “status” purchases 🚗
- ✅ Ignoring future kids’ education costs 🎒
- ✅ Buying expensive ULIPs and endowment plans without understanding returns 💡
- ✅ Not starting investments early – even if small 📈
💸 Moral of the Story?
Both NEET and JEE are tough, but in college – IIT stress is fun stress while MBBS is pure survival mode! 😂
👉 If your passion is medicine, go for it – just don’t expect instant money.
👉 If you want beach holidays & no night duty trauma, consulting might be your jam! 🌴🍹
PS: Don’t assume a doctor’s stethoscope is a magical ATM! 😉
💡 Want to avoid these financial mistakes?
👉 DM me to book a consultation and get your money story on track! 💰🚀