Sami Ngo
Sami Ngo
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How I stay motivated to pay off $150K student loans in 4 years
99% of people rely on motivation to pay off $150K in student loans in 4 years. That’s why they fail. I uses fear as my biggest motivator to tackle my debt.
Download the Investing 101 for PAs Guide to start your investing journey.
(We keep it simple and stupid- so easy a 5th grader can follow it):
pages.samingo.co/investinglp
Want a Wealth Coach to help you pay off your student loan debt, manage your investments and give you a step-by-step guide on how to become a PA Millionaire in your 30s?
Join our WealthRX Community:
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🍿WATCH NEXT:
5 Money Mistakes I’ve Made That Stopped Me From Becoming a Millionaire Earlier
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Here’s a BETTER way to pay off your student loan debt in 2024 (and become a millionaire).
ua-cam.com/video/tgXWZhfryh4/v-deo.html
How I Built My Wealth as a PA
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Become a MILLIONAIRE: 401(k) & ROTH IRA
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💌 Sign up to my free weekly email newsletter
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🎙 Check out my podcast
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🎧 Spotify: tinyurl.com/y5npwzf9
MY COURSE:
🩺 The Happy PA Academy
samingo.co/happy-pa-academy/
MY FREE RESOURCES FOR YOU:
The PA Death Trap:
samingo.co/wealthrx/pa-death-trap-intro
The PA Millionaire Roadmap:
pages.samingo.co/roadmap
MY KEY LINKS
🌍 My website / blog
samingo.co/
📸 Instagram
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📱TikTok
www.tiktok.com/@sami.ngo
I am Sami, a UA-camr, entrepreneur, a former 9-year Physician Assistant on a mission to start a new generation of financially literate medical providers. I make videos on my experience as a PA, an entrepreneur, an expat in Thailand. My goal is to encourage you to live outside your comfort zone. Ignore the “rules” and live a life of financial freedom and genuine happiness - whatever that may look like for you. Cheers to living unconventionally!
INPUT Chapters
0:00 - Intro
1:30 - Impact of fear
2:00 - Fear as motivation
4:54 - Medical problems vs money problems
6:46 - Impact of my patients
7:50 - Outro
(Wait for video)
Переглядів: 289

Відео

How to start investing for beginners (exact numbers and accounts)
Переглядів 2,3 тис.2 місяці тому
First step to investing: Open a Roth IRA, HSA, and 401K immediately. No, you don’t need to do more research or learn about each account. Start investing- by actually investing. Download the Investing 101 for PAs Guide to start your investing journey. (We keep it simple and stupid- so easy a 5th grader can follow it): pages.samingo.co/investinglp Want a Wealth Coach to help you pay off your stud...
5 Money Mistakes I’ve Made That Stopped Me From Becoming a Millionaire Earlier
Переглядів 2892 місяці тому
Everyone makes mistakes. Some mistakes cost more than other. These mistakes I made cost me over $400K. Don't make these money mistakes. Download the Investing 101 PDF to start your investing journey. (We keep it simple and stupid- so easy a 5th grader can follow it): pages.samingo.co/investinglp Interested in being part of our WealthRX Community? samingo.co/wealthrx-community 🍿WATCH NEXT: Here’...
Here’s a BETTER way to pay off your student loan debt in 2024 (and become a millionaire).
Переглядів 5893 місяці тому
Student loan debt keeps you poor forever. I share WHY I chose the accelerated loan repayment plan to fast track my path to become a wealthy PA Millionaire- in my 30s. Financial freedom starts here. Watch the PA Millionaire Roadmap training here: (in this 9-minute training, i breakdown the step-by-step to building wealth on a PA salary) samingo.co/wealthrx/pa-millionaire-roadmap 🍿WATCH NEXT: My ...
How I Built My Wealth as a PA
Переглядів 1,9 тис.7 місяців тому
Interested in being part of our WealthRX Community? samingo.co/wealthrx-community Learn the unique approach I used to achieve millionaire status within 10 years in my career. I didn't follow the typical path of relying on retirement accounts or online businesses. For the full details, watch the video! Chapters 0:00 - Intro 1:13 - PA Income 3:00 - Real Estate 6:16 - Entrepreneurship 🍿WATCH NEXT:...
Want to be a Millionaire? Don’t Start a Side Hustle
Переглядів 1,2 тис.9 місяців тому
Interested in being part of our WealthRX Community? samingo.co/wealthrx-community The truth about side hustles and entrepreneurship? I spill the beans on what it *really* takes to succeed in the world of side hustles. Say goodbye to the "get rich quick" hype and hello to the reality of hard work and dedication. Watch this video if you're thinking of starting a side hustle, but you're not quite ...
10 PA Lessons I Wish I Knew Earlier
Переглядів 1,3 тис.11 місяців тому
If you want to rapidly pay off $150K in 5 years, continuously increase your income and become a PA millionaire within 10 years of clinical practice, enroll in The Happy PA Academy. Our 8 week coaching program will help you lay the foundation for your career and guide you to becoming a PA millionaire. Enrollment starts today and sends Sep 5th! Program starts Sept 6th! Ever wondered about the cru...
Public Service Loan Forgiveness Keeps You Poor
Переглядів 65311 місяців тому
If you want to rapidly pay off $150K in 5 years, continuously increase your income and become a PA millionaire within 10 years of clinical practice, enroll in The Happy PA Academy. Our 8 week coaching program will help you lay the foundation for your career and guide you to becoming a PA millionaire. Enrollment starts today and sends Sep 5th! samingo.co/happy-pa-academy/ Is Public Service Loan ...
My SECRET to Getting MORE MONEY as a PA
Переглядів 2,2 тис.11 місяців тому
My SECRET to Getting MORE MONEY as a PA
Is Salary Really Non-Negotiable? Know the Three Types of Employers You're Negotiating With
Переглядів 46611 місяців тому
Is Salary Really Non-Negotiable? Know the Three Types of Employers You're Negotiating With
How to Choose the Perfect PA Program
Переглядів 46811 місяців тому
How to Choose the Perfect PA Program
PAs: Evaluate Your Job Offer in 13 Minutes
Переглядів 480Рік тому
PAs: Evaluate Your Job Offer in 13 Minutes
The REAL Reason Why You’re Poor (And How To Fix It)
Переглядів 502Рік тому
The REAL Reason Why You’re Poor (And How To Fix It)
Physician Assistant Resume: Full Tutorial (With Examples)
Переглядів 1,8 тис.Рік тому
Physician Assistant Resume: Full Tutorial (With Examples)
Rich People Drive Cheap Cars: Our Car Buying Experience (Cost, Strategy, Decision Making Process)
Переглядів 976Рік тому
Rich People Drive Cheap Cars: Our Car Buying Experience (Cost, Strategy, Decision Making Process)
Living Abroad in Australia: Why We Moved In With My Inlaws In My 30s
Переглядів 606Рік тому
Living Abroad in Australia: Why We Moved In With My Inlaws In My 30s
How Debt Affected My Marriage (Why I Googled Divorce After 6 Month)
Переглядів 502Рік тому
How Debt Affected My Marriage (Why I Googled Divorce After 6 Month)
A Break from Parenthood: 4 Weeks of Rekindle our Romance + to Work on Ourselves
Переглядів 255Рік тому
A Break from Parenthood: 4 Weeks of Rekindle our Romance to Work on Ourselves
The Truth About Being a 1099 Physician Assistant - What They Don't Want You to Know!
Переглядів 1,1 тис.Рік тому
The Truth About Being a 1099 Physician Assistant - What They Don't Want You to Know!
How I Negotiated $15K Above My Starting Offer as a New Grad
Переглядів 1,1 тис.Рік тому
How I Negotiated $15K Above My Starting Offer as a New Grad
Let's Start Over. Our Financial Independence Journey
Переглядів 2,6 тис.Рік тому
Let's Start Over. Our Financial Independence Journey
Why I Ditched the FIRE Movement
Переглядів 9 тис.Рік тому
Why I Ditched the FIRE Movement
How I Tricked My Brain Into Not Spending Money
Переглядів 558Рік тому
How I Tricked My Brain Into Not Spending Money
The Untold Truth About Money: How to Build Wealth From Nothing
Переглядів 517Рік тому
The Untold Truth About Money: How to Build Wealth From Nothing
How Much Money I Made as a PA
Переглядів 21 тис.Рік тому
How Much Money I Made as a PA
7 Things I Wish I Knew Before PA School
Переглядів 3,5 тис.Рік тому
7 Things I Wish I Knew Before PA School
So You Failed Your Boards?
Переглядів 884Рік тому
So You Failed Your Boards?
4 Lessons That Allowed Me To Quit My Job at 35
Переглядів 805Рік тому
4 Lessons That Allowed Me To Quit My Job at 35
Reprogram Your Mind to be Rich: Upgrade Your Money Mindset
Переглядів 722Рік тому
Reprogram Your Mind to be Rich: Upgrade Your Money Mindset
How The Healthcare System Broke Me as a Provider
Переглядів 4 тис.Рік тому
How The Healthcare System Broke Me as a Provider

КОМЕНТАРІ

  • @erinlowery1589
    @erinlowery1589 4 дні тому

    I am currently a surgical technologist, can that count as patient care hours?

  • @channghiem5012
    @channghiem5012 7 днів тому

    she Ngos what up with this profession

  • @GOLDENTO3
    @GOLDENTO3 11 днів тому

    What about your credit limit can it change when you upgrade/ downgrade?

  • @joshmcniel
    @joshmcniel 18 днів тому

    4.5 years experience total 90k as a new grad, cardiology (2 years) 100k + ~30k in incentive, hospitalist (2.5 years) $80/hour + 6% 401k match (no other benefits), ER (~2 months in my current job)

  • @StorageOnTheRunSanDiego
    @StorageOnTheRunSanDiego 19 днів тому

    Corny

  • @sangavithiruvengadam7365
    @sangavithiruvengadam7365 21 день тому

    Physician assistant can use stethoscope??

  • @lilyjezebel7444
    @lilyjezebel7444 27 днів тому

    I regret becoming a doctor!!! Sacrificed my life for nothing! Never got a residency and worth anything without a medical liscense working in healthcare not getting paid more than $25 an hr. I got in 650k debt, have no kids, n lost my youth!! I wish I became a PA trust me, ur life is worth it!!! Stay clear from medicine unless you have straight A's

  • @sarahmurphy-nf4yl
    @sarahmurphy-nf4yl Місяць тому

    I am sure you are an excellent PA but its not being honest with yourself to say thaf you do the same job as a fully qualified doctor.. thats juat jot true. You dont have the same education or knowledge and people would hqve more respect for PA's that can admit that. There are excellent nurses. Many nurses who far more than young doctors but that does not make them equal to doctors. By the way I love your video, part from these issue's I have mentioned.

  • @sarahmurphy-nf4yl
    @sarahmurphy-nf4yl Місяць тому

    A PA should NOT have 'FULL AUTONOMY' 😮 😠 😡

  • @korokgirl8629
    @korokgirl8629 Місяць тому

    so inspiring. Thank you for the words!

  • @sammyshimai6948
    @sammyshimai6948 Місяць тому

    Thank you.

  • @wisdomandlove1661
    @wisdomandlove1661 Місяць тому

    Wise video

  • @bossmanxll1023
    @bossmanxll1023 Місяць тому

    Should i invest Nvdia stock on HSA ? All 4150 dollars.

  • @terellkid1
    @terellkid1 2 місяці тому

    I plan to become wealthy and do everything I want to do while I am still young(30-50 years old) not when I'm 65 and about to die in a few years, that's why I've been building my index fund hyper aggressively. Wish I had started in my early 20's but I plan on making up the money for that lost time. I personally don't understand why people would want to wait until they can barely move to do everything they want to do in life lol

  • @elizabethclark8427
    @elizabethclark8427 2 місяці тому

    Loved this video! I'm trying to pay off my loan as soon as possible! Could you possibly make a video on the different types of repayment plans and which one is the best to use to pay off loans as fast as possible?

    • @samingoshow
      @samingoshow 2 місяці тому

      Great idea! I actually made a video titled "Here’s a BETTER way to pay off your student loan debt in 2024 (and become a millionaire)". It basically answers your questions. I didn't do into detail about each loan repayment plan but i told you what i would do to pay off my loans as quickly as possible! Hope this helps!

  • @janshuster1426
    @janshuster1426 2 місяці тому

    Use an s+p 500 etf instead and then it is portable between brokers and is more tax efficient than the mutual funds you recommended. 401k up to match if available should be your first account and you my be limited to mutual funds there

  • @ponnzz
    @ponnzz 2 місяці тому

    Im graduated bsc anaesthesia....now im looking for msc pa either in finland, Netherland, uk which country will better to study and job opportunities and salary if u know please rply plzz....

  • @angelharmony1144
    @angelharmony1144 2 місяці тому

    This was very helpful, thank you! Could you do an in depth video about HSA?

    • @KonKaji
      @KonKaji 2 місяці тому

      Please this, because I want to do it but can't see it fully beneficial when taxes comes around. I'm probably doing my taxes wrong because I end up paying most years but can't see Uncle Sam liking me take such high interest without paying back most of it or probably all out.

    • @samingoshow
      @samingoshow 2 місяці тому

      Sure thing! I LOOOOVEEE talking about HSAs. Let's make it less complicated for you!

    • @samingoshow
      @samingoshow 2 місяці тому

      HSA accounts the best accounts because it has a triple tax benefit and it helps lower your taxable income. In an ideal world, you want to pay zero taxes and you want a zero tax refund. If you're paying a ton at the end of the year or youre getting a ton of money back at the end of the year- something is wrong. You're either giving the governemnt too much money (big no no) or you're not giving them enough (big tax bill later!).

  • @jonathanholt3591
    @jonathanholt3591 2 місяці тому

    Vanguard just announced fees associated with phone calls.

    • @samingoshow
      @samingoshow 2 місяці тому

      That is true, they did! But only if you use them to buy index funds (or indiivdual stocks/bonds) for you. If you simply call them to ask questions about HOW to move a fund or How to buy a fund or to verify that your actually investing appropriately in your Roth IRA-- that service is free. They won't charge for basic tech support. So this really doesn't change anything.

  • @Genesis-128
    @Genesis-128 2 місяці тому

    Thank you thank you 🫶🏽

    • @samingoshow
      @samingoshow 2 місяці тому

      So glad you enjoyed it! ❤️❤️❤️

  • @elizabethclark8427
    @elizabethclark8427 2 місяці тому

    You are such an inspiration! This is such an amazing video and lit a fire in me to start preparing for my PA-C journey. Graduating next month and feeling a little more prepared on what to start doing with my loans. Hoping to find a job soon and negotiate!

    • @samingoshow
      @samingoshow 2 місяці тому

      You got this! Congrats on your new PA-C title! And welcome to the dark side hahahahahhahaha

  • @calebbenjamin8
    @calebbenjamin8 2 місяці тому

    This is a great video thank you. I’m a current PA student who will graduate with $160k in debt and it’s nice seeing other people with similar ideas of wanting financial independence. I am planning to do the federal primary care loan repayment programs in order to pay off my debt sooner.

    • @samingoshow
      @samingoshow 2 місяці тому

      You got this! Im so glad youre committing to your FI journey!!!! I would check out my other video "Here’s a BETTER way to pay off your student loan debt in 2024 (and become a millionaire)." to help you get started on your loan repayment.

  • @ribipriyev3707
    @ribipriyev3707 2 місяці тому

    Saved up 150k in 15 months as a PA whose salary is est.110k before taxes ? Did your husband contribute most of it ? Also the investment properties you have I'm assuming you have a hefty mortgage on them? After the tenant rent payment, there's not much left over to live financially independent, at least till mortgage is paid.

  • @BryanKeith01
    @BryanKeith01 3 місяці тому

    Plenty of driven PAs still decide to go to medical school to become physicians, instead of just wondering about it…

  • @blutiga22
    @blutiga22 3 місяці тому

    This video was super helpful! If you are able to refinance your loans and get a lower interest rate, would it be worth it to consider paying less on student loans to begin acquiring assets earlier in your career?

    • @samingoshow
      @samingoshow 2 місяці тому

      This depends on your ultimate goal. If your goal is to reach financial independence faster and become work-optional, it wouldn't make sense to refinance at a lower rate and delay paying off your student loans. Your Student loan debt affects your debt to income ratio- which affects your ability to buy assets. The slower it takes for you to accumulate asset, the harder it is for you to reach financial freedom.

  • @ecooled93
    @ecooled93 3 місяці тому

    I want the 13 minutes of my life back. There was nothing in this video but sucky fluff

  • @Whatsmynamewhocares
    @Whatsmynamewhocares 3 місяці тому

    I appreciate this video so much!

    • @samingoshow
      @samingoshow 3 місяці тому

      Awwwh thank you so much for the support!! What other content would you like me to share regarding money??

    • @Whatsmynamewhocares
      @Whatsmynamewhocares 3 місяці тому

      @@samingoshowyour opinion about loan repayment program. Worth it, not worth it? Especially the ones 6 or more years.

    • @calebbenjamin8
      @calebbenjamin8 3 місяці тому

      @@samingoshowcan you talk about those repayment that want 2-3years of primary care for like 75-120k of loan repayment. I think I’m gonna do it cause I’m gonna have like 150k in loans when I graduate

  • @brucegreen4172
    @brucegreen4172 3 місяці тому

    This is such a valuable video that I have shared with my High Schooler who is interested in studying PreMed or Heath Sciences in college

  • @Soulcleansing23
    @Soulcleansing23 3 місяці тому

    Thanks hun

  • @BryanKeith01
    @BryanKeith01 3 місяці тому

    PAs being upset that they aren’t paid as well as physicians is insane. If you’re one of those people, stay mad. 😂

  • @johnmerriam7844
    @johnmerriam7844 3 місяці тому

    omg the transition from 1:42 to 1:47 lmao

  • @MeenaEgo-Osuala
    @MeenaEgo-Osuala 3 місяці тому

    I would love a video on how you negotiate a raise as well!

  • @user-hf4ge5gv6p
    @user-hf4ge5gv6p 4 місяці тому

    my mom said that either lawyer or docter is acceptable

  • @braddunbar5976
    @braddunbar5976 4 місяці тому

    You are very cute

  • @braddunbar5976
    @braddunbar5976 4 місяці тому

    Your wife is cute

  • @brandonanderson4407
    @brandonanderson4407 4 місяці тому

    To add a little bit more, the mention of LLC setup was not made. If you work as a 1099 PA, you can form an S-corporation for your business. The important thing here is to pay yourself 50% or 60% of the income, which will be subject to tax. The remaining portion can be paid to yourself as dividends, which are not taxed. Consequently, when a PA establishes an S-corp, they will only be taxed on the amount they pay themselves, based on that 50 or 60%. It is recommended to set up a payroll system like ADP to handle this and ensure that taxes are withheld from your paycheck. To recap, a PA creates an LLC, then forms an S-Corp, sets up a bank account, and gets ADP. As a result, the PA becomes both an employee and a shareholder of the S-corp. This means they will be taxed at a lower rate, only on the portion of revenue passed on to them as income, while they can pay themselves the remainder as shareholder dividends, which are not taxed. Additionally, they can deduct other expenses such as insurance, cell phone, uniforms, education, and health insurance. it is highly recommended to consult with a CPA. Being a PA is advantageous because as a 1099 employee, you end up at a disadvantage without any deductions.

  • @diderislam1598
    @diderislam1598 4 місяці тому

    I don't know whether I'll get an answer from you or not. But still i want to ask one question. I am Biochemistry & Molecular Biology 1st year student from Bangladesh. I want to apply for PA program after i complete my undergraduation from here. So do i have to participate in any kind of competitive exam for attending PA school?

  • @richricogranada9647
    @richricogranada9647 4 місяці тому

    What a horror this person!

  • @apetsoconglomerate3060
    @apetsoconglomerate3060 4 місяці тому

    How are you negotiating all this? 8:43

  • @apetsoconglomerate3060
    @apetsoconglomerate3060 4 місяці тому

    6:50 How did you get that much time off?? Pls answer 🙏

  • @deborah2976
    @deborah2976 4 місяці тому

    I do feel restricted as well and not so happy. However i feel less burdened financially and starting to seek happiness be it being grateful or investing in self

  • @kristopherchen9263
    @kristopherchen9263 4 місяці тому

    I absolutely love you

  • @pagandeva2000
    @pagandeva2000 5 місяців тому

    Nursing has a similar relationship issue between LPN/LVN and RN… the Registered nurse being higher. I’m an LPN who is very happy that I didn’t go further. I was very clear in what responsibility I was comfortable with and I have no regrets. So many RNs have offered their unsolicited advice feeling that I should go on. I have my reasons and I know that Registered Nursing is not for me. I have less headaches, more control, because I have a State Board that determines my practice. It states that our titles are not interchangeable, so, I don’t allow them to dump their tasks on me. So, what I’m saying is be happy with whatever you are doing. Plus, anyone has the right to change their career if they want to. Schools did not close.

  • @urch4041
    @urch4041 5 місяців тому

    I think you are missing a lot of info on the tax benefits a 1099 can offer. Plus for the math portion of the SE tax you technically are only paying roughly 7% more (not 15.3%) over a W-2 income (cause you are paying the additional employer tax in 1099). Also in most cases this is further reduced to roughly about 5% if you take into account the fact that as a 1099 you are able to deduct the employer portion of the SE tax which as a W2 you cant.

  • @jamesblackburn2205
    @jamesblackburn2205 5 місяців тому

    You didn't touch on all the write offs you can have to lower taxes with 1099.

  • @abriltdulin
    @abriltdulin 5 місяців тому

    Thank you! I've been a PA fo 30 years, I've worked in multiple areas of medicine there were times when I was unhappy but always reminded myself why I chose medicine as a PA and that's because I wanted to help people in a unique and practical way. I'm thanking you because if there are those in my profession that are only there for the money, being miserable because they feel underappreciated financially then they should not be given opportunities to be so intimately involved in the patients life. It is a privilege to serve my fellow humans. They are NOT my CASH COW!!

  • @blackdog773
    @blackdog773 5 місяців тому

    This is probably one of the best pre PA or current PA videos I’ve ever seen, this definitely needs more views

  • @jaligawesa
    @jaligawesa 5 місяців тому

    You are sooo honest!😂

  • @Yette
    @Yette 5 місяців тому

    Lovely knowledgeable lady

  • @adriansanchez4875
    @adriansanchez4875 6 місяців тому

    😂the downside will be explaining to people what a PA is. and your family asking, " why didn't you just become a doctor?" the upside is less debt, and less responsibility. 🤣 (me when something goes wrong : Idk, I'm not a doctor, go ask the doctor)