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Describe what it's like having BIGLAW and <50K in student loans

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Khaki whorehouse queen of the night
  10/13/11
I'm down to 62k.... getting there
primrose brethren nursing home
  10/13/11
what's it like, tell us brother.
Khaki whorehouse queen of the night
  10/13/11
it's still overwhelming. 3 years of stress, little savings,...
primrose brethren nursing home
  10/13/11
what did you start with? how much do you have in savings?
Khaki whorehouse queen of the night
  10/13/11
started with around 145 in loans. I have 12k in savings and...
primrose brethren nursing home
  10/13/11
whoa brther, you need to get those savings up to 25K fast.
Khaki whorehouse queen of the night
  10/13/11
My job is stable, I have no family or kids or anything else ...
primrose brethren nursing home
  10/13/11
how the fuck do you have $90K in 401K? Also lol at my $...
Frum Space
  10/13/11
401k and investment. about 55k in 401k + Roth
primrose brethren nursing home
  10/13/11
...
Electric infuriating forum fortuitous meteor
  10/13/11
no
Low-t coffee pot
  10/14/11
Isn't the issue what amount of loans you started with?
Coiffed duck-like business firm mother
  10/13/11
no, because it's a psychological feeling.
Khaki whorehouse queen of the night
  10/13/11
still the 99% bro
dull sandwich lodge
  10/13/11
http://rule34.transceration.net/_images/faa67f1bec0fde143286...
jade thriller stage
  10/13/11
180
Khaki whorehouse queen of the night
  10/13/11
I second this.
haunting sound barrier
  10/14/11
37k at 3.5% left. I waste a lot mote money mow
greedy tanning salon main people
  10/13/11
it's like this. by that point you know that biglaw is about ...
floppy onyx home foreskin
  10/13/11
im down to 70k!!! from 150k 1.5 years ago YNY!!
brindle sneaky criminal
  10/13/11
good job. 80k in 1.5 years! Could be driving an M3!!!
primrose brethren nursing home
  10/13/11
Happy to see you're paying it down aggressively. After a yea...
obsidian razzle pistol
  10/14/11
I started at approximately $125-$130k in September 2010. Wit...
Violent partner gas station
  10/13/11
did you eat a lot of ramen?
azure flickering corner
  10/13/11
Take-home is $8200 a month. $200 for Metrocard and gym. Rent...
Violent partner gas station
  10/13/11
Tell me more about this tax refund (in LS so clueless)
jet-lagged high-end resort son of senegal
  10/13/11
Your stub year you only make about $40k but at the time you'...
Violent partner gas station
  10/13/11
This also applies to 2L summer right?
jet-lagged high-end resort son of senegal
  10/13/11
Yes.
Violent partner gas station
  10/13/11
You should absolutely try to avoid this your 2L summer. I cl...
Passionate beta bbw
  10/13/11
I've thought about this but have found no guidance as to how...
Sticky aphrodisiac tank
  10/14/11
...
crystalline goal in life headpube
  10/14/11
you can ask the firm if it is possible for them to use the &...
chrome prole
  10/14/11
describe your 8200 take home as a first year in NYC. No 401...
Frum Space
  10/13/11
Right, zero 401k contribution. I followed XO's advice and pa...
Violent partner gas station
  10/13/11
where do you live that rent is 1.2k wat
lake voyeur generalized bond
  10/13/11
$1500 each. Live with my wife.
Violent partner gas station
  10/13/11
o you left out the convenient part that your wife is subsidi...
azure flickering corner
  10/13/11
Rent is $3000. She doesn't subsidize anything. She has more ...
Violent partner gas station
  10/13/11
how much do you pay in loans per month (math challenged)
primrose brethren nursing home
  10/13/11
I pay it down by $5k a month, which used to require ~5400 a ...
Violent partner gas station
  10/13/11
but you are asian?
Nighttime wine place of business
  10/14/11
...
Electric infuriating forum fortuitous meteor
  10/13/11
If you take out $210k to go to law school it will be more li...
Violent partner gas station
  10/13/11
...
Electric infuriating forum fortuitous meteor
  10/13/11
You're missing the main point. Even if it's guaranteed, 8 ye...
Violent partner gas station
  10/13/11
...
Electric infuriating forum fortuitous meteor
  10/13/11
The 8 years figure included law school plus 5 years living f...
Violent partner gas station
  10/13/11
flame. nobody has 200k+ loans from law school
multi-colored orchid hospital
  10/13/11
Wrassler and other posters have more than that. If you go to...
Violent partner gas station
  10/13/11
Lots of people do. Sticker tuition plus living expenses is a...
Demanding medicated stead
  10/13/11
Did you see the links above? It's well over 200k and rising ...
Violent partner gas station
  10/13/11
This is the credited advice. If you can go T14 for free, ...
obsidian razzle pistol
  10/14/11
This is really impressive. Excellent work, bro. Inspirationa...
obsidian razzle pistol
  10/14/11
I had it with $0 loans, it still sucks
jet den love of her life
  10/13/11
...
Rusted fragrant potus
  10/13/11
Explain. Were you really not able to be happy with all of th...
Passionate beta bbw
  10/13/11
I have biglaw w no loans. Will take some questions now.
walnut site
  10/13/11
First, what market. Describe how you think this affects y...
Passionate beta bbw
  10/13/11
psychologically i feel like i have a 12" dick most days...
walnut site
  10/13/11
That all sounds terrible. OK, I got a hard-on.
Passionate beta bbw
  10/13/11
please check the following boxes that apply: [ ] 6'2"...
soggy stain
  10/13/11
Sounds like partial flame. Name your major vacation destinat...
Passionate beta bbw
  10/14/11
why would it be flame? i've gone on a ten day trip across eu...
walnut site
  10/14/11
the problem with your flame is even if you had the money for...
Brilliant Circlehead
  10/14/11
link to me saying i took these trips in one year, genius. lo...
walnut site
  10/14/11
You made it sound like you just jet off whenever you please....
Brilliant Circlehead
  10/14/11
it's certainly not whenever i please, but it's nicer than b...
walnut site
  10/14/11
39k in loans but only 115 salary. Somehow I manage to never ...
Galvanic insanely creepy genital piercing
  10/13/11
do you work in Milwaukee?
excitant hairy legs
  10/13/11
Good preparation for living on a third of your salary.
twinkling free-loading fat ankles corn cake
  10/13/11
hey fag, what's your broke ass been up to?
Frum Space
  10/13/11
Living the dream you know. Yourself?
twinkling free-loading fat ankles corn cake
  10/13/11
its awesome, you get a huge paycheck with very little of it ...
up-to-no-good mexican dilemma
  10/13/11
Serious Q: Is biglaw buxx in NYC with no debt still not wort...
Passionate beta bbw
  10/14/11
Would you recommend consolidating law school loans and still...
ungodly blue incel orchestra pit
  10/14/11
pay off the high interest rate ones first duh
Exciting apoplectic locale
  10/14/11
i thought people only consolidated when they couldn't meet t...
Splenetic Purple School National Security Agency
  10/14/11
The thought of having six figure debt is crippling
Nighttime wine place of business
  10/14/11
yeah man. i honestly feel sorry even for the biglaw doods. t...
Splenetic Purple School National Security Agency
  10/14/11
I can tell you: crippling work hours, high taxes, demanding ...
beady-eyed know-it-all menage
  10/14/11
Use your clerkship bonus as a down payment on a new Porsche....
disrespectful comical field party of the first part
  10/14/11
i just paid down 17k today. only 38k left.....yay?
Sienna big station international law enforcement agency
  10/14/11
Clerkship bonus? Or do you save up chunks, for whatever r...
obsidian razzle pistol
  10/15/11
It feels even better when you start with under 50k in loans.
Cyan provocative therapy
  10/15/11
Yes. I was fortunate to be in this boat. I'm down to $30K an...
outnumbered tantric lay trust fund
  10/16/11


Poast new message in this thread



Reply Favorite

Date: October 13th, 2011 5:48 PM
Author: Khaki whorehouse queen of the night



(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19164053)



Reply Favorite

Date: October 13th, 2011 5:49 PM
Author: primrose brethren nursing home

I'm down to 62k.... getting there

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19164060)



Reply Favorite

Date: October 13th, 2011 5:51 PM
Author: Khaki whorehouse queen of the night

what's it like, tell us brother.

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19164076)



Reply Favorite

Date: October 13th, 2011 5:52 PM
Author: primrose brethren nursing home

it's still overwhelming. 3 years of stress, little savings, and STILL 60k in loans.

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19164085)



Reply Favorite

Date: October 13th, 2011 5:54 PM
Author: Khaki whorehouse queen of the night

what did you start with? how much do you have in savings?

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19164105)



Reply Favorite

Date: October 13th, 2011 5:54 PM
Author: primrose brethren nursing home

started with around 145 in loans. I have 12k in savings and about 95k in 401k and investments.

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19164110)



Reply Favorite

Date: October 13th, 2011 5:55 PM
Author: Khaki whorehouse queen of the night

whoa brther, you need to get those savings up to 25K fast.

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19164123)



Reply Favorite

Date: October 13th, 2011 6:08 PM
Author: primrose brethren nursing home

My job is stable, I have no family or kids or anything else that would sink an emergency fund. Worst comes to worst, I can cash in my vanguard index account for another 12k.

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19164220)



Reply Favorite

Date: October 13th, 2011 8:47 PM
Author: Frum Space

how the fuck do you have $90K in 401K?

Also lol at my $120K in debt.

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19165311)



Reply Favorite

Date: October 13th, 2011 8:52 PM
Author: primrose brethren nursing home

401k and investment. about 55k in 401k + Roth

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19165381)



Reply Favorite

Date: October 13th, 2011 9:19 PM
Author: Electric infuriating forum fortuitous meteor



(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19165662)



Reply Favorite

Date: October 14th, 2011 6:56 PM
Author: Low-t coffee pot

no

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19171609)



Reply Favorite

Date: October 13th, 2011 5:50 PM
Author: Coiffed duck-like business firm mother

Isn't the issue what amount of loans you started with?

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19164074)



Reply Favorite

Date: October 13th, 2011 5:51 PM
Author: Khaki whorehouse queen of the night

no, because it's a psychological feeling.

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19164080)



Reply Favorite

Date: October 13th, 2011 5:53 PM
Author: dull sandwich lodge

still the 99% bro

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19164096)



Reply Favorite

Date: October 13th, 2011 5:54 PM
Author: jade thriller stage

http://rule34.transceration.net/_images/faa67f1bec0fde143286e7ef12eb5afc/130769%2520-%2520Deleteme%2520not_34%2520Randy_Marsh%2520South_Park.jpg

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19164103)



Reply Favorite

Date: October 13th, 2011 5:54 PM
Author: Khaki whorehouse queen of the night

180

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19164107)



Reply Favorite

Date: October 14th, 2011 6:56 PM
Author: haunting sound barrier

I second this.

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19171601)



Reply Favorite

Date: October 13th, 2011 6:11 PM
Author: greedy tanning salon main people

37k at 3.5% left. I waste a lot mote money mow

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19164246)



Reply Favorite

Date: October 13th, 2011 8:45 PM
Author: floppy onyx home foreskin

it's like this. by that point you know that biglaw is about over.

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19165294)



Reply Favorite

Date: October 13th, 2011 8:56 PM
Author: brindle sneaky criminal

im down to 70k!!! from 150k 1.5 years ago YNY!!

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19165413)



Reply Favorite

Date: October 13th, 2011 8:58 PM
Author: primrose brethren nursing home

good job. 80k in 1.5 years! Could be driving an M3!!!

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19165426)



Reply Favorite

Date: October 14th, 2011 12:44 PM
Author: obsidian razzle pistol

Happy to see you're paying it down aggressively. After a year of clerking, I've managed to knock down about 25k. Biglaw people need to take a page from your book and realize 50k a year is very doable.

Nice work!

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19169320)



Reply Favorite

Date: October 13th, 2011 9:06 PM
Author: Violent partner gas station

I started at approximately $125-$130k in September 2010. With tomorrow's paycheck, I will be under $45k. If bonuses are as expected I will be done in April. Getting under $50k felt good.

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19165501)



Reply Favorite

Date: October 13th, 2011 9:07 PM
Author: azure flickering corner

did you eat a lot of ramen?

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19165508)



Reply Favorite

Date: October 13th, 2011 9:10 PM
Author: Violent partner gas station

Take-home is $8200 a month. $200 for Metrocard and gym. Rent is $1500. Utilities $100. $1200 a month for everything else. That leaves $5200 a month for loans. Plus the $10k tax refund helped.

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19165555)



Reply Favorite

Date: October 13th, 2011 9:12 PM
Author: jet-lagged high-end resort son of senegal

Tell me more about this tax refund (in LS so clueless)

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19165577)



Reply Favorite

Date: October 13th, 2011 9:14 PM
Author: Violent partner gas station

Your stub year you only make about $40k but at the time you're taxed as if you're making $160k. So you get a big refund.

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19165611)



Reply Favorite

Date: October 13th, 2011 9:22 PM
Author: jet-lagged high-end resort son of senegal

This also applies to 2L summer right?

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19165700)



Reply Favorite

Date: October 13th, 2011 9:29 PM
Author: Violent partner gas station

Yes.

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19165773)



Reply Favorite

Date: October 13th, 2011 10:59 PM
Author: Passionate beta bbw

You should absolutely try to avoid this your 2L summer. I claimed 16 allowances on my W4 so the withholding would be lower. I still got a refund, but it wasn't huge.

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19166441)



Reply Favorite

Date: October 14th, 2011 10:14 AM
Author: Sticky aphrodisiac tank

I've thought about this but have found no guidance as to how to accurately calculate the # of allowances necessary to do this. Can you explain how you arrived at 16?

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19168484)



Reply Favorite

Date: October 14th, 2011 6:50 PM
Author: crystalline goal in life headpube



(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19171557)



Reply Favorite

Date: October 14th, 2011 9:49 PM
Author: chrome prole

you can ask the firm if it is possible for them to use the "Part-Year Method" for withholding - this is the easiest and most accurate way (http://www.irs.gov/publications/p505/ch01.html#en_US_2011_publink10007241)

Alternatively, you can use the IRS's online withholding calculator to accurately figure out how to do your withholding: http://www.irs.gov/individuals/article/0,,id=96196,00.html

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19172758)



Reply Favorite

Date: October 13th, 2011 9:15 PM
Author: Frum Space

describe your 8200 take home as a first year in NYC. No 401K?

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19165614)



Reply Favorite

Date: October 13th, 2011 9:21 PM
Author: Violent partner gas station

Right, zero 401k contribution. I followed XO's advice and paid off the loans first.

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19165685)



Reply Favorite

Date: October 13th, 2011 9:15 PM
Author: lake voyeur generalized bond

where do you live that rent is 1.2k wat

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19165624)



Reply Favorite

Date: October 13th, 2011 9:20 PM
Author: Violent partner gas station

$1500 each. Live with my wife.

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19165675)



Reply Favorite

Date: October 13th, 2011 9:21 PM
Author: azure flickering corner

o you left out the convenient part that your wife is subsidizing your student loan payments~

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19165686)



Reply Favorite

Date: October 13th, 2011 9:23 PM
Author: Violent partner gas station

Rent is $3000. She doesn't subsidize anything. She has more student loans than I do.

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19165719)



Reply Favorite

Date: October 13th, 2011 9:10 PM
Author: primrose brethren nursing home

how much do you pay in loans per month (math challenged)

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19165545)



Reply Favorite

Date: October 13th, 2011 9:11 PM
Author: Violent partner gas station

I pay it down by $5k a month, which used to require ~5400 a month, but now requires only ~5150 a month.

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19165573)



Reply Favorite

Date: October 14th, 2011 8:30 AM
Author: Nighttime wine place of business

but you are asian?

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19168225)



Reply Favorite

Date: October 13th, 2011 9:15 PM
Author: Electric infuriating forum fortuitous meteor



(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19165616)



Reply Favorite

Date: October 13th, 2011 9:29 PM
Author: Violent partner gas station

If you take out $210k to go to law school it will be more like $250k when you graduate. If you're lucky enough to get biglaw and last 5 years, you will be back to zero after 8 years of hard work and living frugally. List the specifics on your scholarships. If by "big scholly" you mean you could graduate with between $50k and $75k in debt from CCN, I would consider it but might not even do that.

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19165770)



Reply Favorite

Date: October 13th, 2011 9:47 PM
Author: Electric infuriating forum fortuitous meteor



(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19165898)



Reply Favorite

Date: October 13th, 2011 9:59 PM
Author: Violent partner gas station

You're missing the main point. Even if it's guaranteed, 8 years to break even is not worth it. That's best case scenario. You would be better off taking a full ride to a school like GW or BU, working hard for 2 weeks twice during 1L, landing in the top 15% and getting biglaw that way. Taking out 250k in loans will ruin your life.

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19166000)



Reply Favorite

Date: October 13th, 2011 10:19 PM
Author: Electric infuriating forum fortuitous meteor



(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19166153)



Reply Favorite

Date: October 13th, 2011 10:43 PM
Author: Violent partner gas station

The 8 years figure included law school plus 5 years living frugally and paying down 50k a year. I had 130k in debt at graduation and got biglaw. I don't think it was worth it.

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19166340)



Reply Favorite

Date: October 13th, 2011 10:26 PM
Author: multi-colored orchid hospital

flame. nobody has 200k+ loans from law school

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19166203)



Reply Favorite

Date: October 13th, 2011 10:39 PM
Author: Violent partner gas station

Wrassler and other posters have more than that. If you go to law school starting in 2012 your average cost of attendance per year will be about 80k if you pay sticker. Another 30k in interest while you're in school.

http://www.law.berkeley.edu/6943.htm

http://www.law.harvard.edu/current/sfs/basics/cost/budget.html

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19166306)



Reply Favorite

Date: October 13th, 2011 10:48 PM
Author: Demanding medicated stead

Lots of people do. Sticker tuition plus living expenses is approaching $200k as is, and many people go into law school with undergrad debt. And when you factor in interest...



(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19166362)



Reply Favorite

Date: October 13th, 2011 11:01 PM
Author: Violent partner gas station

Did you see the links above? It's well over 200k and rising fast.

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19166453)



Reply Favorite

Date: October 14th, 2011 12:47 PM
Author: obsidian razzle pistol

This is the credited advice.

If you can go T14 for free, I take that any day of the week over Harvard.

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19169346)



Reply Favorite

Date: October 14th, 2011 12:45 PM
Author: obsidian razzle pistol

This is really impressive. Excellent work, bro. Inspirational!

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19169332)



Reply Favorite

Date: October 13th, 2011 9:52 PM
Author: jet den love of her life

I had it with $0 loans, it still sucks

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19165933)



Reply Favorite

Date: October 13th, 2011 10:50 PM
Author: Rusted fragrant potus



(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19166371)



Reply Favorite

Date: October 13th, 2011 11:01 PM
Author: Passionate beta bbw

Explain. Were you really not able to be happy with all of that disposable income?

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19166454)



Reply Favorite

Date: October 13th, 2011 10:00 PM
Author: walnut site

I have biglaw w no loans. Will take some questions now.

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19166009)



Reply Favorite

Date: October 13th, 2011 11:03 PM
Author: Passionate beta bbw

First, what market.

Describe how you think this affects your psychological state on a daily basis. Does it feel better knowing you could just walk away if you got sick of it?

How much do you save every month?

What do you splurge on?

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19166467)



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Date: October 13th, 2011 11:12 PM
Author: walnut site

psychologically i feel like i have a 12" dick most days. i always did pretty well with women, but the confidence you get from making one of the biggest incomes for a bro your age basically beams out the pheromones that just make chicks wet upon coming into contact with you.

i live in a low cost of living city (houston/chicago/etc) but make NYC market + bonus.

i basically buy whatever i feel like. i have a sick place in the fun part of town and go out 3-4 nights a week. take random vacations to europe or exotic locations. just whatever.

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19166561)



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Date: October 13th, 2011 11:30 PM
Author: Passionate beta bbw

That all sounds terrible.

OK, I got a hard-on.

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19166730)



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Date: October 13th, 2011 11:32 PM
Author: soggy stain

please check the following boxes that apply:

[ ] 6'2" or greater

[ ] 6.5+" cock

[ ] bench 300+

[ ] just your average pumo

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19166750)



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Date: October 14th, 2011 12:03 AM
Author: Passionate beta bbw

Sounds like partial flame. Name your major vacation destinations since starting biglaw.

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19167116)



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Date: October 14th, 2011 10:05 AM
Author: walnut site

why would it be flame? i've gone on a ten day trip across europe, and a few island getaways with my gf at the time, like french polynesia or the us virgin islands.

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19168453)



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Date: October 14th, 2011 10:11 AM
Author: Brilliant Circlehead

the problem with your flame is even if you had the money for these trips your firm is unlikely to let you take 60 days a year for vacation to just go hang out wherever.

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19168471)



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Date: October 14th, 2011 10:29 AM
Author: walnut site

link to me saying i took these trips in one year, genius. lol if you think bros in biglaw don't go on vacation. is that what you tell yourself to ease the pain of working in $28k/yr shitlaw? i don't want to get into some trolling contest, but what you said just doesn't make sense.

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19168556)



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Date: October 14th, 2011 10:51 AM
Author: Brilliant Circlehead

You made it sound like you just jet off whenever you please. LOL JUST LOL at some faggot bragging about taking a ten day vacation once a year.

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19168718)



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Date: October 14th, 2011 11:03 AM
Author: walnut site

it's certainly not whenever i please, but it's nicer than before when, though i had the time, i could never take an exotic vacation.

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19168786)



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Date: October 13th, 2011 10:22 PM
Author: Galvanic insanely creepy genital piercing

39k in loans but only 115 salary. Somehow I manage to never have enough money

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19166171)



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Date: October 13th, 2011 10:45 PM
Author: excitant hairy legs

do you work in Milwaukee?

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19166343)



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Date: October 13th, 2011 10:54 PM
Author: twinkling free-loading fat ankles corn cake

Good preparation for living on a third of your salary.

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19166415)



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Date: October 13th, 2011 10:59 PM
Author: Frum Space

hey fag, what's your broke ass been up to?

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19166445)



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Date: October 13th, 2011 11:06 PM
Author: twinkling free-loading fat ankles corn cake

Living the dream you know. Yourself?

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19166504)



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Date: October 13th, 2011 11:14 PM
Author: up-to-no-good mexican dilemma

its awesome, you get a huge paycheck with very little of it tied to preexisting obligations each month. ballin!

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19166579)



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Date: October 14th, 2011 12:05 AM
Author: Passionate beta bbw

Serious Q: Is biglaw buxx in NYC with no debt still not worth the high COL and shitty hours? I'd rather live in NYC than DC, but at least in DC I'd make around $500 more every month (lower taxes) and the hours would be more humane.

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19167151)



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Date: October 14th, 2011 1:10 AM
Author: ungodly blue incel orchestra pit

Would you recommend consolidating law school loans and still throwing 4-5k/mo at them? I have stafford and grad plus loans exclusively. I think that's 6.8% and 8.5% respectively with the vast majority being the gradplus/higher interest rate.

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19167671)



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Date: October 14th, 2011 8:23 AM
Author: Exciting apoplectic locale

pay off the high interest rate ones first duh

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19168222)



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Date: October 14th, 2011 8:25 AM
Author: Splenetic Purple School National Security Agency

i thought people only consolidated when they couldn't meet their monthly minimums. don't consolidate, pay down the 8.5% loans first.

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19168224)



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Date: October 14th, 2011 8:39 AM
Author: Nighttime wine place of business

The thought of having six figure debt is crippling

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19168233)



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Date: October 14th, 2011 8:42 AM
Author: Splenetic Purple School National Security Agency

yeah man. i honestly feel sorry even for the biglaw doods. the guys above paying 4000-5000 a month, it will still take them years to pay off. and those are the lucky ones.

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19168239)



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Date: October 14th, 2011 10:14 AM
Author: beady-eyed know-it-all menage

I can tell you: crippling work hours, high taxes, demanding partners, and generally miserable lifestyle.

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19168483)



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Date: October 14th, 2011 7:08 PM
Author: disrespectful comical field party of the first part

Use your clerkship bonus as a down payment on a new Porsche. Date and eat out as often as you want. Wear a 10k plus watch. 20k stereo Buy nice shit. Still have money left over each month.

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19171704)



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Date: October 14th, 2011 10:10 PM
Author: Sienna big station international law enforcement agency

i just paid down 17k today. only 38k left.....yay?

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19172865)



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Date: October 15th, 2011 9:09 PM
Author: obsidian razzle pistol

Clerkship bonus?

Or do you save up chunks, for whatever reason?

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19178431)



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Date: October 15th, 2011 9:38 PM
Author: Cyan provocative therapy

It feels even better when you start with under 50k in loans.

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19178633)



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Date: October 16th, 2011 12:32 AM
Author: outnumbered tantric lay trust fund

Yes. I was fortunate to be in this boat. I'm down to $30K and could have paid it off years ago but my interest rate is so low. I definitely feel like I made teh right decision when picking my school (scholarship played a major role in my decision) but I realize that I graduated at a good time, too. Tuition and loan rates were lower when I went, merit scholarships were getting higher and higher at the time, and I captured the salary bumps right when I started working (from the bump above $125 and so on).

The biggest benefits have been psychological as opposed to material. I've tried to avoid the golden handcuffs. So I have F.U. money right now, which makes work go a lot better--if things get to bad, I know I can just leave. I was able to say "no" to a request from my firm that I make a pretty big geographical change because of this. Also, with no golden handcuffs, I can afford to avoid the partnership track. That means I haven't had to bill super crazy hours during my firm tenure (still have had some bad stretches, though). And, knowing that there is a light at the end of the tunnel (maybe a couple years out, maybe sooner) is actually pretty nice.

Also, because I've been able to save so much the last few years, I have a lot more flexibility with what I want to do for the 20-30 years after biglaw. That's pretty key for me.

(http://www.autoadmit.com/thread.php?thread_id=1782810&forum_id=2#19179661)