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I do think it's appropriate for some types of work. by Irish Tool

Call me when a NYU doctor who doesn't choose a low-paying (rural/family/etc) practice struggles to put two Mercedes in the garage, get a second home, and retire by 60 if they want to. Until then, I'm skeptical.

I've had med school friends with 3x my debtload and 1/5 my family's income (ie in residency) get approved for as much mortgage as my wife and I got approved for.