Teachers rank third, behind engineers and accountants, on a top-five list of careers most likely to have millionaires within their ranks.
How could it be that teachers, who earn an average annual income of $61,000 according to the U.S. Bureau of Labor Statistics, take the third spot, while physicians don’t even rank in the top five?
The top five list came out of a survey of millionaires that drew upon answers from 10,000 participants. The majority — 79% — had not received inheritance. Eight out of 10 had invested in a 401(k) plan. And contrary to expectation, most millionaires surveyed didn’t have high-salary jobs. Instead, 93% said they’d created wealth simply by working hard.
The average physician comes out of medical school with $200,000 in debt, and takes 13 years to pay it back, according to Brent Lacey, who hosts the podcast The Scope of Practice, which coaches physicians on their finances.
Consequently, doctors can miss out on years of investing as they work toward establishing themselves and eventually commanding a big salary.
And even when they get the payday, they might feel pressure to buy the big house and the fancy car, Lacey said on a recent episode. After so much sacrifice, a young physician might think, "It's my turn.”
In contrast, Lacey said, his own grandmother was a frugal public school teacher who retired a millionaire.
薪水低可以积累财富，原来这并不特别
Teachers rank third, behind engineers and accountants, on a top-five list of careers most likely to have millionaires within their ranks.
How could it be that teachers, who earn an average annual income of $61,000 according to the U.S. Bureau of Labor Statistics, take the third spot, while physicians don’t even rank in the top five?
The top five list came out of a survey of millionaires that drew upon answers from 10,000 participants. The majority — 79% — had not received inheritance. Eight out of 10 had invested in a 401(k) plan. And contrary to expectation, most millionaires surveyed didn’t have high-salary jobs. Instead, 93% said they’d created wealth simply by working hard.
看到这个觉得很颠覆。后来想想，觉得不无道理
身边的医生朋友们（还有更加多的在微信里交流的）那个 asset 会没有百万的？
做教师的（比如小孩子学校的老师）的经济情况也是都可以看到的。
不管你怎么懂得储蓄理财，假如工作的收入相差10倍的话，几年以后资产上的差别都不用脑子想的。
穷苦出身的高收入里面存钱的肯定多。因为穷过，知道钱的重要性。很多从没穷过的人根本不把钱当回事，不怎么存钱的可能性有。
The top five industries for producing millionaires are:
Finance and Investments
Technology
Manufacturing
Fashion and Retail
Healthcare
The food and beverage and real estate industries follow at numbers six and seven, respectively.
“The top five list came out of a survey of millionaires that drew upon answers from 10,000 participants. ”
高收入的人比如医生上网参加这种survey的可能肯定比其他收入群体的小一些。一看是 survey of millionaires， 高收入的人不get excited也就不参与，而收入一般而是millionaire的则更容易引以为荣而参与调查。
根据这种数据得到的结论往往有很大偏差，要进行起码的reweighting才能拓展到整个社会啊。
跟美国医学院毕业的不一样，你们属特例。
The average physician comes out of medical school with $200,000 in debt, and takes 13 years to pay it back, according to Brent Lacey, who hosts the podcast The Scope of Practice, which coaches physicians on their finances.
Consequently, doctors can miss out on years of investing as they work toward establishing themselves and eventually commanding a big salary.
And even when they get the payday, they might feel pressure to buy the big house and the fancy car, Lacey said on a recent episode. After so much sacrifice, a young physician might think, "It's my turn.”
In contrast, Lacey said, his own grandmother was a frugal public school teacher who retired a millionaire.
啊哈哈哈。。。。。。。。。。。。。。。。。。