Usave (Kwazvo) Kutya Zvikwereti zveVadzidzi

Zvemukati

• Pfungwa dzakakosha
• Kupinda mune yakaderera-mutengo Ph.D chirongwa
• Kuisa chikoro chechikoro
• Kubhadhara iwo mutengo wedigiri rako degree
• Kuenda muchivande tsika

Pfungwa dzakakosha

• Psychology zvirongwa zvechiremba zvinogona kusiya vadzidzi vakapedza madhora zviuru mazana maviri emadhora.
• Sarudzo dzekugadzirira chikwereti chepamusoro chemudzidzi chikwereti chingave chekushanda kwenguva pfupi mushure me undergrad kutanga, kana kuyedza nzvimbo isingawanike muF.D. inobhadharwa. chirongwa.
• Kupinda muchiitiko chega mushure mekupedza kudzidza kunogona kuve kwako kwakanyanya kubheja kubhadhara chikwereti chechikoro kana iwe uchifunga zvishoma semushandi.

Mune yangu yekupedzisira posvo, ini ndakarondedzera mamwe ematambudziko anotarisana nevanoshuvira vanopedza kudzidza mune yekiriniki psychology. Chikuru pane izvi zvipingamupinyi mujaho unotyisa wemakwikwi wezvinzvimbo zvinotyisa mune izvo zvinowanzonzi "mari" Ph.D. zvinzvimbo. Vadzidzi ava vanobhadhara zvakadzikiswa kudzidziswa, asi pamubhadharo wekushandisa maawa asingaverengeki vachishanda pakutsvagurudza izvo zvinonyanya kufarirwa nevadzidzisi vavo vezvikoro. Pfungwa ndeyekuti zvirongwa izvi zvakagadzirirwa kuburitsa vatsvagiri vekiriniki vanoita mhando imwechete yebasa seye chipangamazano wevadzidzisi. Nekudaro, sezvo akadai ehunyanzvi mabasa ari kutonyanya kushomeka kupfuura iyo Ph.D. chinzvimbo, hapana vimbiso yekuti vadzidzi vari muPh. mapurogiramu anozopedzisira sevatsvagiri vekiriniki zvachose - muchokwadi, mazhinji acho anopedzisira ave - kufema! - varapi chaivo.

Kupinda mune yakaderera-mutengo Ph.D chirongwa

Kuti ubate iwo mashoma nzvimbo munzvimbo dzakabhadharwa zvemakiriniki psychology Ph.D. zvirongwa, vanoshuvira vadzidzi vatanga kuita tsvagiridzo uye kutsikisa sekutanga kwavo undergraduate makore. Ivo vanonyoresa mumapurogiramu anodhura emadhigirii, icho chinangwa chekutanga chiri chekusimudzira mikana yemunhu yechinzvimbo chechiremba. Ivo vanoshanda sevashoma-vanobhadharwa vanotsvagurudza vabatsiri kwemakore. Ehezve, hapana cheizvi zviitiko zvinovimbisa kubvumirwa kune yakaderera-mutengo Ph.D. chirongwa, uye zvese izvi zviitiko zvinopera kudhura mari. Vanomiririra zvinodaidzwa nevezvehupfumi kuti "mukana wemubhadharo," kana, mutengo wekutora imwe kosi yekuita pane imwe.

Kuisa chikoro chechikoro

Ndeipi imwe nzira yekuita? Zvakanaka, kutanga, pamwe kwete kuenda kunopedza chikoro wakananga kunze kwepasi pekutanga pakutanga. Pamwe funga nezve izvo zvakataurwa nachiremba mukuru wepfungwa Carl Jung akati:

“Chero ani anoda kuziva psyche yemunhu anodzidza padhuze nepfungwa kubva mukuyedza kwepfungwa. Aizorayirwa zvirinani kusiya sainzi chaiyo, kubvisa jasi renyanzvi yake, kuonekana nekudzidza kwake, uye kutenderera nemoyo wevanhu kuburikidza nenyika. Ikoko mukutyisa kwemajeri, kupotera kwehusiku uye zvipatara, munzvimbo dzinotyisa dzemasabhabha, mumabheroti uye kubhejera-hells, mumasalon eanoyevedza, eStock Exchanges, misangano yemagariro, machechi, kuungana kwevamutsiridziro uye mapoka anofara, kuburikidza nerudo uye ruvengo. , kuburikidza neruzivo rwechishuwo mumhando dzese mumuviri wake, aizokohwa zvakapfuma zveruzivo kupfuura magwaro-emabhuku anogona kukwirwa netsoka, uye achaziva nzira yekurapa vanorwara neruzivo rwechokwadi rwemweya wemunhu. ”

Haasi ako akajairwa edzidzo kuraira, ndinoziva. Asi pamwe iyo munda wezvepfungwa psychology inoda vashoma "A" vadzidzi vane yakakwana curriculum vitae uye gumi nemaviri ezvinyorwa, uye pamwe inoda vanhu vazhinji vakamboona chimwe chinhu chenyika. Vangani ma psychologist psychologists vakapfuura nemauto Basic Training, kana mapurisa chikoro, kana kushanda seLPN mumusha wevanotarisira vakwegura, kana seakarongeka muchipatara chepfungwa? Ndingashinga, hazvina kukwana. Saka usatya kuita chimwe chinhu chaicho nehupenyu hwako usati waenderera mberi nekuwedzera chikoro. Kana kuita izvi kuchikuvadza mikana yako yekupinda mune yakaderera-mutengo Ph.D. chirongwa, icho chinotaura zvakawanda nezvavo kupfuura zvazvinoita nezvako.

Kubhadhara iwo mutengo wedigiri rako degree

Iyo inotevera imwe nzira ndeyekutarisa yakakwira-mutengo Psy.D. chirongwa. (Mune izvi zviviri zvinyorwa panhau iyi, handisi kusiyanisa pakati pePh.D. nePy.D.zvirongwa pachavo, ndiri kungoshandisa "Psy.D." kumiririra degree rinoda kuti iwe utore chikwereti chakawanda, uye "Ph.D." kumiririra degree rinoda kuti utore chikwereti chidiki.) Ngatitii mamiriro ezvinhu akaipisisa anoitika uye unopedza madhora mazana maviri ezviuru muchikwereti chemudzidzi. Unogona kuzvibhadhara here? Sezvandakaona mune yangu yapfuura posvo, kubhadhara iyo mari mumakore makumi maviri pa5% mubereko kwaizobatanidza kubhadhara pamwedzi kwe $ 1,320.00. Ndiko kushamisika kwekunamirwa, kunyanya kana iwe uri kufunga semushandi, uye kwete saanamuzvinabhizimusi.

Kana chinangwa chako mushure mekuwana doctorate mune yekiriniki psychology ndechekuwana basa, kungave semubatsiri purofesa kana kuVA Medical Center kana rimwe sangano, saka, hongu, iwe zvirinani kuve nehanya nezve kuti yakawanda sei chikwereti chemudzidzi chaunotora. Kufanana kumwe Ph.D. uye Psy.D. mabasa ndeekuti haabhadhare zvakawandisa: Funga kumwe kunhu mumadhora 70,000 kusvika kumadhora zviuru makumi masere. [Sezvineiwo, Dhipatimendi reDzidzo reUS parizvino riri kuita chirongwa chinoshamisa kwavanozobhadhara chikwereti chako chevadzidzi mushure memakore gumi ekubhadhara kwako, kana urikushandira musangano wehurumende kana wehurumende, seDhipatimendi reVeterans, kana sangano rezvehutano hwepfungwa.] Ndinoziva kuti muhoro unoita kunge wakawanda kune vanhu vazhinji, asi hazvina kunyanya kana uine muhoro muripo wechikwereti chemudzidzi mwedzi wega.

Kuenda muchivande tsika

Saka ungakwanise sei kuwana yakakwira-mutengo dhigirii uye unodzivirira iwo mukana wemitengo yechirongwa cha tenzi, kutsvagurudza rubatsiro, nezvimwe. Enda kune wega kuita mushure mekupedza kudzidza, kwaunotarisa kuti yakawanda sei yaunowana. Kumhanyisa yakavanzika tsika hakuna kusiyana nekumhanyisa chero bhizinesi diki: Iwe unofanirwa kuverengerana zvese mari nemari. Kufunga nezvemubhadharo wako wechikwereti semudzidzi semubhadharo webhizimusi kunogona kuisa iyo huru inotyisa $ 200,000 nhamba mumaonero ari nani. Ngatiti iwe unoshandisa $ 1,200.00 / mwedzi uchihaya, kupa midziyo, uye kuvhenekera / kudziyisa hofisi. Malpractice inishuwarenzi uye kuenderera mberi kwezvikwereti zvedzidzo uye marezinesi emari zvinoda kuita nezve $ 2,500 pagore (kana $ 208 pamwedzi). Wedzera runhare uye zvimwe zvakasarudzika mutengo we $ 192 pamwedzi. Inishuwarenzi yehutano hwega hweinosvika madhora mazana mana nemakumi mashanu nematanhatu pamwedzi. Uye, hongu, iwo mubhadharo wechikwereti wemudzidzi we $ 1,320 pamwedzi. Zvese zvataurwa, ndiwo madhora 2,057 mumari kana $ 24,684.00 pagore.

Zvino ngatitarisei pamari. Ngatitorei lowball izvi, kungoita sevanochengetedza sezvinobvira. Ngatitii unoona varwere vatanhatu pazuva, mazuva mashanu pavhiki. Iwe unotora inishuwarenzi, uye ngatiti iwe unowana isiri-yakanyanya-mwero madhora makumi masere pamaminetsi makumi mashanu nemashanu. Varwere makumi matatu pavhiki x $ 80 = $ 2 400 pasvondo. Wedzera izvo nguva makumi mashanu evhiki uye ako egoreti maresisiti ari $ 120,000 pagore. Bvisa iyo $ 25,000 mumashandisirwo (ayo anosanganisira ako echikwereti evadzidzi echikwereti), uye iwe une pre-mutero mari ye $ 95,000. Bvisa wega wega-wega mutero we15.3% (iyo inovhara yako kubhadhara kune Medicare neSocial Security) uye iwe uri pa $ 80,465, iyo isiri chete inoshamisira mari asi zvakare iri nani kupfuura vazhinji vabatsiri mapurofesa uye mazhinji emakiriniki ezvepfungwa vanoshanda nema agency.

Uye rangarira kuti idzi fungidziro dzinotorwa kubva pasi-kubhowa mari yako mari. Ngatiti iwe unowedzera manheru maviri pavhiki, uchiona vamwe varwere vatanhatu panguva idzodzo. Izvo zvinowedzera marisiti ako akakurisa kusvika ku $ 144,000 pagore. Ngatiti iwe unoona varwere vanomwe pazuva, mazuva mana pavhiki, uye nemusi weChishanu unoita bvunzo dzevakaremara dzeSocial Security (zviviri zvinoda kuyedzwa kweWAIS-IV uye maviri anoda Mental Status chete). Chishanu ichocho chaigona kuunza zvishoma kudarika chiuru chemadhora (iwe unofanirwa kuona varwere vangangoita gumi nematatu kuti vawane mari yakafanana). Uye kana iyo inishuwarenzi yaunotora ichibhadhara $ 86 pachinzvimbo che $ 80? Pasi pechiitiko chepakutanga chekuona chete varwere vatanhatu pazuva, izvo zvinoreva imwe $ 9,000 pagore.

Mileage yako inogona kusiyana, hongu. Asi ini ndinokurudzira kuti chichaita mutsauko wakakura mumhedzisiro yako wega bhizimusi mafungiro kana kushomeka kwaro. Vamwe vanhu havana kugadzikana nenjodzi uye nemitoro yekumhanyisa kwavo vega maitiro. Ivo vangasarudza kuchinjanisa iyo yekuwedzera mibairo (senge yakawedzera mari uye kuzvitonga) kune izvo zvinoita sekuchengeteka uye kugadzikana. Chero zvazvingaitika, kana zvakavanzika kuita ndicho chinangwa chako chekupedzisira, usape kuvimbika kwakanyanya kune (vasiri-vezvemabhizimusi) mapurofesa anokuudza kuti "hapana munhu anogona kutora $ 200,000 muchikwereti chemudzidzi."