Student Loans

Best Way To Pay Off Student Loans Reddit – Finances 80/20 – How I Paid Off My Med School Loans & Investing Strategy


Best Way To Pay Off Student Loans Reddit – Best Deal Right Now?

When it comes to money, there’s a lot of noise, not a lot of signal. After years of reading intensely about personal finance optimization and investing, this is the system that works best for me.

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Disclaimer: This is NOT investing advice and I am not a financial expert. This is simply what worked best for me. Content of this video is my opinion and does not constitute medical advice. The content and associated links provide general information for general educational purposes only. Use of this information is strictly at your own risk. Kevin Jubbal, M.D. and Med School Insiders LLC will not assume any liability for direct or indirect losses or damages that may result from the use of information contained in this video including but not limited to economic loss, injury, illness or death. May include affiliate links to Amazon. As an Amazon Associate, I may earn a commission on qualifying purchases made through them (at no extra cost to you).

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  1. Tito Smiff
    July 25, 2021 at 10:12 pm

    The idea that you can take out a loan at 2% and invest and get 6% or 8% is cute, but not grounded in reality. You are not factoring in risk. There is a risk your investment will lose 5% over the course of your loan. There is also a risk you won't be able to pay for your car loans and then now you are getting your car repossessed with a brokerage account that is losing money. Vs just paying cash for your car and now you're safe.

  2. SaSpursfan
    July 25, 2021 at 10:12 pm

    I thunk I have/had sleep onset insomnia. But I also have poor sleep hygiene. Right now I wake up at 5 to fast and that is the only thing that helps me sleep at 10:30

  3. Dr. HotT
    July 25, 2021 at 10:12 pm

    What specific stocks do you invest into?

  4. Budgeted Goals
    July 25, 2021 at 10:12 pm

    Subscribed! Just discovered your channel. Husband is a doc and I’m about to go into healthcare field (finishing Masters). I’ve been trying to find someone who understands that after fellowship you basically manage a small business worth of finances but really they are personal. Paying off mostly student loans. We are currently at $335k out of $488k. Will be watching!

  5. Moneyall Day
    July 25, 2021 at 10:12 pm

    How old r u bro

  6. Healthy Consistency
    July 25, 2021 at 10:12 pm

    Grandpa Jubbal: "It's 1am and I'm.."
    Me: First time watching you also up at 1 am worrying about finances with Match coming up next month

  7. John Labernik
    July 25, 2021 at 10:12 pm

    YNAB is the way to go

  8. Ms. Opinionated
    July 25, 2021 at 10:12 pm

    70/20/10 = 70% income fund, 20% moderate, 10% international…. i have an annual ROI of about 7% to 10% every year.

  9. Robin Garson
    July 25, 2021 at 10:12 pm

    I'm watching this now, because I having insomnia, then the sudden introduction of the video is very relatable with my situation right now😂

  10. Sunny
    July 25, 2021 at 10:12 pm

    Is it okay to invest if you plan on going to medical school and having financial aid help pay for school?

  11. shantrice jones
    July 25, 2021 at 10:12 pm

    I'm 29 and feel like I underperformed. I do save have a decent savings but i could be better. I only have 2 credit cards tho.

  12. Sarra Merzougui
    July 25, 2021 at 10:12 pm

    Were you using blue light glasses?

  13. bsktb
    July 25, 2021 at 10:12 pm

    That logic applies to almost all of school…just learn on your own

  14. Evelynn Dynes
    July 25, 2021 at 10:12 pm

    I need help establishing credit I’m 18 and it’s literally none existing, I tried doing a secured credit card and put down 200 but they didn’t accept me so I have no idea Wht to do now😓

  15. ka jong venus Park
    July 25, 2021 at 10:12 pm

    "grandpa Jubbal"….cracked me up pronto XD
    always love your videos Kevin!

  16. Danny Simpson
    July 25, 2021 at 10:12 pm

    My debts are gone and my credit is up to about 780 .. it took the help of Tony a credit expert to do this . Contact him on + 1 2 5 1 2 6 5 3 2 5 9

  17. nataleefr
    July 25, 2021 at 10:12 pm

    Hey doc, not a med student but thanks for the productivity and studying tips!

  18. Aakash Patel
    July 25, 2021 at 10:12 pm

    we need more of this just talking hahaha

  19. Maugra Luna
    July 25, 2021 at 10:12 pm

    Very informative and straight forward

  20. *NinaBina5*
    July 25, 2021 at 10:12 pm

    Haha as soon as you plopped cross legged in your chair, I knew this was gonna be a great video

  21. Eric T
    July 25, 2021 at 10:12 pm

    Lovely. Thank you.

  22. Abhishek Dharan
    July 25, 2021 at 10:12 pm

    You won my subscription when I realized you're a fellow churner in medicine, entering ms3 year so hopefully I have time to watch more of your videos lol

  23. Kazeem
    July 25, 2021 at 10:12 pm

    Where did you get that lamp in the background

  24. Hero
    July 25, 2021 at 10:12 pm

    any tips on having income during medical school?

  25. johnkevin1104
    July 25, 2021 at 10:12 pm

    My parents and grandparents have been and are currently in creditcard debt. Not for me. Call it black and white but it's a generational curse and I would like it to end

  26. Billy Tessio
    July 25, 2021 at 10:12 pm

    I am an undergraduate student looking to go to one of the best medical schools in Canada. For 2 years so far, I'd been getting average grades 80-86%. Started third year summer science classes looking to get better before I apply to med, so I implemented your advice on active recall and spaced repetition… I'm getting world-beater grades now north of 95% on every exam with those class averages around 70%. Thanks so much!!

  27. DNM9
    July 25, 2021 at 10:12 pm

    What is memm??

  28. Bollywood Media
    July 25, 2021 at 10:12 pm

    10:27 why do you have 35 credit cards

  29. Farida Burenbeiya
    July 25, 2021 at 10:12 pm

    Thank you as always, Dr. Jubbal! Btw, I love the quote on your shirt, so I just bought one from the website! 🙂 So much for trying to save money lol but it's the least I can do to support your work! I've watched a lot of your videos and always try to implement it or rewatch them as a reminder. Thank you for making a difference!

  30. JS
    July 25, 2021 at 10:12 pm

    Dr. Jubbal, can you break down what % of your income approximately you send where and maybe go over the rationale? That's the part I find the most "gray" – saving up a decent emergency fund, and then what? How do you decide discretionary spending for fun vs. investing? Thanks!

  31. Abdulla Al Shahariar
    July 25, 2021 at 10:12 pm

    What you do to recover when you suffer from insomnia?

  32. Kanu
    July 25, 2021 at 10:12 pm

    This grandpa has a great voice!
    Btw love your videos!!

  33. Ad
    July 25, 2021 at 10:12 pm

    If you actually know how to conduct proper equity analysis individual investing is actually less gambling that buying an index fund where you don’t even understand a single companies financial position in that fund

    Just because index funds go up in a bull market doesn’t mean you’ll always have positive returns yoy for the rest of your life

    You can actually put some time and effort and learn about market fundamentals and make more informed decisions with individual stocks. I argue index fund investing is basically gambling.