She is obviously bright, type A personality, and completely financially secure. She needs the advice of a therapist or life coach not a financial planner.
Good for you! Do you mind if I ask the sum and your age when you received that advice? I ask because I could retire now but I’m uncomfortable about it.
She simply speaks like an educated individual with an above-average vocabulary. There are pros and cons to this. Sometimes the inability to 'turn this off' or adjust your speaking based on your audience indicates that you're missing something, socially, and can cause people to distance themselves from you. I previously had a boss who couldn't say a single sentence, no matter how mundane it should have been, without overvomplicating the vocabulary. Instead of saying "We need to double check the report to make sure it's not wrong before sending it out" the sentence would unnecessarily become "Prior to distribution of this information to the necessary related parties, we should reconcile and validate the output in order to ensure accuracy and completeness." Same message, different tone, and sometimes one is tone-DEAF.
@@stwida91I think I might do this a little bit. I read a lot of research articles and jargon is hard to turn off when it feels like you’re using language in the moment that is reasonable and specific.
Am I the only one who thinks she could transition in careers to voice an answering machine or GPS navigation? Good for her in having these thoughts and trying to not have regrets later in life!
@@shannon2748 That's what my point was. It's great that she's asking these questions at only 47 with so much time ahead of her. Since she's asking them now, she hopefully won't have any regrets when she does turn 97.
This woman has singlehandedly destroyed every molecule of pride I had in what I thought I could call a strong work ethic. If you need me I'll be off in my corner in fetal position
@@AlPha-nc6ih lol time to up my game! People will be asking all concerned-like why I'm running myself into the ground, and my only utterance will be some garbled mumbling about the RU-vid baby doctor lady and something about Dave Ramsey
I have a lot of folks in my circle who work in medicine and really make good money. I sense that lots of them are inadvertently in some rat-race about more money, better cars, bigger houses. They work crazy hours, make half million a year, but little life except at the parties. It seems like this is a kind of "danger" that is easy to fall into. As a radical solution, a lesson in minimalism comes to mind
@@BobbyCommas There are many ways to feel fulfilled in life, and marriage and children aren’t for everyone. My wife is a physician, the same as this lady, and we have children, but don’t enjoy the piano that she does, so we are all different
My favorite doctor ever is my kid's pediatrician who always says "I'm not the wealthiest in my med school class, but I have the most grandchildren out of everyone" (said with a huge beaming smile on his face). He is truly content with his career and personal life. I respect this OBGYN for her success but I think she's lamenting that she doesn't have a higher purpose in life aside from career.
@@jessa9877 That’s probably what someone told her that lead her to this point in her life🤷🏾♂️ It’s obvious that her problem is that money and career means nothing to her, and she’s looking for another purpose, but it’s too late
@@TheDougSpot At 47 it's really not too late. As long as she has her mental and physical abilities, she can decide to do whatever she wants (but probably not including giving birth to her own babies), and can do it for a couple decades or more. However, I agree that she should still try to keep one foot in medicine, at least for a while. Although I was into music decades ago but went into another field, I got back into it a few years ago at age 67, and I've been having a wonderful time since. (I retired from another field shortly before my 61st birthday to take care of my aging parents, but have done a few years of consulting since then.
@@jessa9877it is for 99% of people. Her life is pretty pointless and you can literally hear the emptiness in her voice. No kids, no spouse. What’s it for? Her dying parents?
This is why smart saving and investing is so important, not necessarily to retire, but to never be in the position where you have no choice but to do something you hate in order to get by.
unfortunately money saved up and having everything in place like zero debt also creates unnecessary possibilities in your head that you can quit and do what you want. its like a menu with too many food options. you cant make up your mind. having single point focus when you just work and make money allows you to be free of thoughts like "am i unhappy in my job"
Her parents are elderly and not in nursing home so working weekends and hollidays wouldn’t be what she wants I got the impression she spends her time she has with them while they are still here
@@rally_chroniclesIsn't it cold up there in your Ivory tower? Beware, it's a long way down... Assuming you are one of those self claimed intellectuals, who look down on delivery boys and toilet cleaners. Highly intelligent species like yourself, ought to know about the 'black plague'. I recall it had something to do with hygiene... I pray to God that one day, you'll be forced to clean up your own shit or have to get your hands dirty, just like us commoners.
@@NUFCOfficialHer legacy may not lie with her descendants, but with the hours she has poured into caring for her patients and her parents. Heck, I don’t even know or care about my ancestors past my grandparents.
@@coolandclassic7717glad you said this, i don’t know why people have this idea in their head the only legacy a person can create is with children. there’s a million reasons why she may not want or can’t have kids. she’s dedicating her life to patients and her parents, that’s a better legacy than 99% of ppl with kids.
@TurboAuss you talking like if having kids and being g a doctor are mutually exclusive. Why Americans trap themselves into binary choices? All these Harvard schools and MITs and NYUs to then say black or white, guns or no guns, kids or job, Democrat or republican. Etc. Obviously she can take care of kids and also patients like millions of other doctors in the US and all over the world.
Also in healthcare, no debt, six figure savings but I've worked myself to the point I have no desire to do anything. I'm gonna take this advice and cut back my work and make room for hobbies
Wow, healthcare in some professions, really pays off. Both my mom and dad busted their asses, cleaning in hospital and side jobs. Both saving money, giving it all they had, but could barely make ends meet. Good for you to be so succesful and pity you got a burn out, but I'm certain the gratification of seeing your patients actually 'heal' and patient numbers decreasing in general is very rewarding, right?
My goodness, her ability to thank others for their thoughts and then state that “we’re on the same page” affords her such an insane level of confidence and standing in the conversation.
I'm 51 and I quit working. Life's too short. 20 year military pension, 13 year LE pension and investments. I ain't rich, but I do whatever I want every day. I'm comfortable.
@@GiantsWS her intelligence contributed to the safe and healthy carriage and delivery of babies. Not a waste at all. She’s been a blessing to many families. Everyone’s happiness and existence isn’t wrapped up in or dependent on the existence of another. You go have yourself a spouse and children and don’t worry yourself about her choices especially when they do not negatively impact your life at all.
@@GiantsWS She has immediate family . She’s a Christian who is not married therefore she can’t religiously have kids because that requires sinful behavior. She worth millions . What man with millions would be stupid enough to get married ? This woman is an ALPHA.
@@whyme7996 She’s not listless, she’s very energetic. All she needs is attitude adjustment. That’s far easier to achieve than cleaning up the fallout from decades of poor choices.
@@genxx2724 she's a woman who is caring for her parents and sees her own future....no one around to care for her, just paid "care givers" during her waning years.
She wasn’t doing the usual “I have this much money” flex that many callers do, and was interesting to listen to, polite, and receptive to their advice.... but none of that made her safe from the Ramsey mute finger
It’s called the sunk cost fallacy. She feels that if she leaves the medical profession she feels guilty because she has invested her whole life into it. It’s ok to pivot and move on.
Ramsey’s target audience isn’t successful people. It’s unsophisticated people who are in financial trouble and need to learn the basics. Successful people are elsewhere, such as The Money Guy.
@Csab It makes perfect sense, just because you love your job doesn't mean you want to continue doing it every day for the next 13 years. She is getting up there in age so working 50+ hour weeks just isn't as practical. I love playing video games but that doesn't mean I want to put in the same amount of hours on games as I was doing in high school and college.
Sorry but I just understand all these people claiming to love their jobs but being “burned out” or “lacking motivation” to actually do it. I’ve never experienced a lack of motivation in doing things I love. I think people are conditioned to say certain things like loving their jobs as a societal norm, in order to convince themselves they are not wasting their life away doing something for a paycheck
She has no kids, her parents are on their way out, she's aware of her own mortality (arthritis & hearing loss on the horizon)... This has midlife crisis written all over it.
I think Dave should invite her to be a guest on his show. She may realize how much others struggle to achieve a quarter of what she has accomplished. Congratulations on your hard work . Talk it out with your parents maybe they don’t require that level of care
She does not have any family. It is not unusual for a doctor who works as much as her to be where she is. Her salary is on the low end for a doctor too.
I did 60 hour weeks during residency. But when I took my first attending job, full-time was considered 30hr/week. Anything over 135 hours/month is paid overtime. I'm in PA.
@@erwina4738 That is another option, which we have tried in the past, but it cost much more and you don’t get the diversification that you would get by owning reits
Wait I want her to deliver my babies when I have one. She’s so comforting and seems so sweet. I adore her. She’s the type of person that would make me feel so safe and comfortable
Wow, this woman is awesome! If working as a Doctor is a passion, I would do it part time and take care of my parents. In reality this lady can do whatever she wants!!!
Including refunding some of what she charges her patients. Medical professionals help and hurt society. Jesus never told doctors to be multimillionaires and own three houses. Maybe she does more already than supporting her mother. But I still believe that many of her patients don't enjoy paying the high cost of health care that she provides. Not just her, but the entire medical industry.
I have no children, I do have nieces I love dearly. Children and a husband isn't everybody's dream. I love animals and I'm free to go where I please. I have many hobbies. This lady doesn't sound like she's living a life of regret due to no children.
It's really surprising how many think that a woman has to sacrifice her marital life in order to be successful in a career. Or worse, think that women NEED marital life. 😐
@@PremiumFuelOnly That's what we call hobbies/interests. If I won the powerball, all employers could get stuffed. Most bosses are evil, psychotic jerks.
She worked to hard for others that when it comes to her she lost herself. Money can’t answer everything. It’s time that she has lost that she regretted. She finally found herself today.
my landlord was a multimillionaire. When he died and had NOBODY in his life his 12 million in assets were divided between 2 nieces and a nephew he hadnt seen for 20 years. What a life well lived lol.
I was in a similar place. Although much younger and not a doctor. At 36, several million in investments and retirement, and my homes paid off - but doing a job I wasn’t fulfilled with. I retired. Then I started a mental health publishing and production organization that creates very high quality programs and distributes them for free. I’m incredibly fulfilled and motivated to keep going. 100% of my time is volunteer and I’m not burned out. Once you have enough money to live comfortably, having even more did not make me happy - instead I just worried about what to do with it.
Watching this more than three years later, I feel that Dr. Renee is spot on. In the healthcare field, we are constantly fighting with insurance, constantly fighting for patients’ rights… we are constantly fighting. And we are exhausted. (PS I don’t have 3.7 million either, sob!)
Must be medical day as I'm a 64 yo doctor with 5.1 M and still working pretty hard. My problem is I don't know what to do if I slowed down. I have a few hobbies but nothing that could keep me busy all the time. Maybe I'll take up an instrument.
@@gordonsmith5589 lots of financially stable women prefer to be without a Man. Having one actually stresses them out more. She needs to find a travel and music group. She will be just fine. It's not the same as with men. Men are stressed out for not having a woman.
What is the primary purpose of working? To have an income that pays for the necessities and the pleasures in life. If you have enough, and you do, then stop working and take a sabbatical for a year. Then find something that you enjoy doing - it doesn’t have to be something that makes you a Dr.’s income, it might be no income at all, or it may be an expense (volunteering in some way). Life isn’t about seeing how much you can accumulate - that’s just a waste of valuable time. Sometimes it’s valuable to talk to your elders to give you a perspective of what ultimately matters in life.
@@bigreddaman5988 It was a joke and you saw right through it. Not everyone wants to get married and have kids. She could have a boyfriend who can take care of himself.
@@jmanrock11 Yup.I’ve met people that think life ends if not married and no kids. They are divorced now and tend to have selective memories when I bring up the subject. I’m 50 and never had kids, money issues, or marriage. I have a girlfriend longer than most marriages,family,good neighbors, and friends.
Wow, she is an AMAZING individual, she is a jack in all trades! I as a citizen would love for someone like her to continue servicing our Country and providing Grade A service, but at the same time, she's done so much for everyone else, she has the money to retire.... all I would say, is remember this quote, "The cost of not following your heart, is spending the rest of your life wishing you had."
I’m laughing at all you people pretending to be sad over this woman not being married or having kids. Be honest, you just don’t like the idea of a woman having that much money and only spending it on herself.
The problem with a lot of doctors is the identity as a doctor. They enjoy the title. So many doctors working until they are 80+ because their whole identity, power and self is wrapped up in the illusion of being a someone.
This is true, outside of our profession, most doctors are good for little else. A lot of docs lie to themselves saying oh I can do this or I can do that but in reality there's nothing else that will pay and will have the prestige...
investing requires good experience and knowledge to carry out a good and successful trade, I have lost a lot trying to trade all by myself May I ask which investments are good??>>>>>,.,.
I understand your concerns, my friend. I recommend exploring passive index fund investing and expanding your knowledge in this area. Personally, I experienced both successes and challenges when initially seeking a reliable passive income......,
What a phenomenal woman. So many talents - I wonder if she could pull out for a year to catch up on life and spend time with her parents? I guess its tough if your contract has good pension terms.
There’s nothing wrong with it if that’s what you want. I know plenty of people who are like that enjoy it. They either got married and never had kids, stayed single, or just had a girlfriend. I want money and success just like everyone else, but I want to share it with someone. I can’t make others happy making minimum wage.
@@musicismysaviour22yearsago when did she say she had depression. She has fulfilling work, financial freedom and a passion for music. She not once mentioned wishing she wanted to be married or have kids but seems to be passionate about music
Any update from the doctor? I’ve always thought Doctors Without Borders would be such a cool thing, but alas I’m not a doctor. I’m 61 and retired last year. I’m starting to come out of the fog of 4 plus decades of work. I left my job a year early, making more money than I ever thought. I wanted to stay until 62, but I thought I would likely develop a serious health issue. The other day I almost cried thinking about a regret that I now have. I wish I would have travelled more when my husband was healthy. This doctor is very wealthy and she has earned it. When you turn 60, the aging process kicks in and will never stop until it’s finally over.
I chased my dream in music when I was younger and didn’t have any regrets about it either. But I was also young with no responsibilities. She’s just doing it now cause she has the funds to do it. Guarantee she wouldn’t have been a doctor if she didn’t need money
