Hey guys, I was wondering, under what circumstances would one take debt to pay for CLL ? I am considering doing my Femurs, most probably with Dr. Betz in Germany, and the whole thing would cost around 60k euro with physiotherapy and other side expenses (Nebenkosten, as they say in Germany)
I am seriously thinking about saving 1/2 of the amount, for which I would need about 2 years, borrowing 1/4 from a bank, and my parents will get me the remaining 1/4 (15k) . Further, as of know, I have a credit card with a limit of 3 k euro and I guess later on I would be able to get one with 5k, but I would only use that in cases of absolute emergency ...
by the time I will do LL i would have become 27 - 28 years old, what I think is a great age to do such surgery, both from recovery perspectives and , well the idea that one needs to do it as young as possible to , you know, to enjoy it longer 
So, basically, I would need to really save 4 maybe 5 years in order to comfortably save the whole amount. There is also the possibility of just diverging from my plan and go to vacations, buy nice clothes , maybe a car, but if I owe money to the bank, then, well I simply need to make the next payment, which, if I borrow 15 k euro, would mean around 350 euro monthly for 4 years, or based on my current prognosis, between 8% - 12% of my net income for that period of my career. The initial 2 years of saving the 30k would mean between 30%-40% of my monthly income.
Do you think that my plan makes sense ?
Would you, and under what circumstances, take debt to finance CLL ?
No comments on your plan - that is your personal life. But just wanna say Betz might be out of your plan cuz from other people and no email response ever he seemed to have stopped his career on this.
That is interesting to hear. I e-mailed him in the summer (July) and somebody from his staff answered promptly. Did he really retire ?
No, he did not retire. But he has a terrible staff over there.
Quote from: morethan167 on February 08, 2016, 12:29:04 AMNo, he did not retire. But he has a terrible staff over there.
I guess his staff totally ignored all my emails...
Why don't you just keep saving your money and delay your surgery for 6 more months? I'd avoid getting into depbt for this surgery. You'll only loose 6 months which is not a big deal.
Actually I would need another full year. Since I am planning on saving 30k for 2 years, I would need 1 more year to save the remaining 15k (assuming I will get the last 15k from my parents). I guess it depends on how my job goes. I just want to be done with that thing and move on
It'd be stupid to go into depth with this surgery considering possible complications that might occur leading to more expenses to be paid.
My honest advice is just focus on your career and perhaps stop visiting this forum so much once you have an idea of what and whom you want to do it with.
That's pretty much my perspective; I'm gonna go away once certain people's diaries are wrapped up and I can simply focus on my life. I'll be collecting the funds, hoping better tech is available, and then going off to do it and moving on.
NOPE
Add 15-20k for complications.
It would be extremely shortsighted to think.. oh Dr.Guichet is 65k and that's all I need. More like 65k + 20k = 85k.
Almost all the patients I met who are financing their own operations are in their 30s because thats when people have enough money saved up for internals.
I'd rather do LL when I'm 30 vs having external frames on for a year in some 3rd world country.
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