Sunday, August 21, 2016

Crossing The Finish Line

You're a premed and somehow you've wandered over to my blog about an ultra-non-trad premed who's struggles are well noted all over the blog.  Most of the struggles stem solely and only due to my decision to report my then very public company for fraud.  Unfortunately, as the VP of Internal Audit, I was not protected under the Sarbanes-Oxley Act of 2002 because as an executive, the courts ruled that people like me were simply "doing our job" ... and the courts did not care if we were then fired.

And lost everything including... well everything.  The long term affects of that hit every aspect of my, my parents', and that, of course, of my son's lives.  People judge me for having poor credit but don't understand:  the systemic bumbling of everything related to my house, vehicle, and jobs impacted my ability to pay bills; then the bailout of GM bumbled the lawsuit I had against them for the lemon Escalade.  Which then forced me to file for bankruptcy when Chase (also bailed out by Federal Government) came after me for the lien on the vehicle that could not be driven... because it died on the road when I was driving it... the electronic malfunction in my vehicle was one of the first that GM knew about (and failed to disclose because I did not die in it...that's when GM lets the public know about an issue; someone has to die first, then, of course, they deny that for awhile until someone else dies...).

With very poor credit it's almost impossible to get a decent job, especially at the level I was at or any level, for that matter.

Without the ability to get a job, one can't reestablish the credit and if one does, I did, then when a contract ends (because no company wants a full time person with bad credit), the money runs out.  Then bills don't get paid again.

Enter in Obamacare, and I don't have health insurance either.  I did pay the $128/month before ACA kicked in.  I'm healthy, never had a severe anything (ruptured appendix but once that blew, it can't blow again), no addiction issues, no drinking, never smoked, never done drugs.  Under Obamacare, however, that rose to $578/month and I left off paying it.

Credit > healthcare.  Rent > credit and cars.

Through all of this, including the loss of $350,000 in equity on my house (see above), I've maintained a pretty happy stance.  This too shall pass (though I wish it would do so more quickly).  I've focused on the current task at hand (which is still med school - yes, I have a plan to pay for it).  I've been thankful, ever so grateful for the help along the way - most it has been emotional support and a friendly ear while I pressed to overcome - lately it has been much more than that.  Forever thankful.

It's a key point as well all push to cross the finish line of premed and anchor our next path in a medical school somewhere.

Be thankful, be gracious, and finish.  If I can get through all the above, you can finish too.

See you at a white coat!

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