Summer Time=Part Time

I have decided to cut to part time at my job. I took a transfer within the company I work for to work 1/2 as much as I do now which is the worst timing because my husband has no income this summer. This fall he has a full time teaching contract and will get paid through next summer but not this one. Luckily we are proficient living lean and frugal. Being a chiropractor guarantees one will become experts at living at or below poverty level as defined by our federal government. I also expect this to be one of our families most memorable summers! Money doesn't mean happiness for us because we've hardly tasted what it feels like to have money at all so it is a non-issue. I guess we have become expert at hoping my husbands big break is right around the corner! I feel like his luck is going to change and we will all benefit and be ready for it. We are lucky to have really good kids who enjoy life as is. Our biggest desire is to take them to Disney Land in California this fall and it is possible if we play our cards right!

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Big Ballin' Chiropractor

In a week and a day I will have been married to my husband for 10 years. I am so glad 1/3 of that marriage was me keeping our little kids quiet so he could study the many hours involved in completing requirements to be a doctor of chiropractic. Boy has it paid off! I am sporting a 4ct 3 stone diamond ring set in 2 toned 14K gold because I earned it! It wasn't easy filling out welfare applications for our family every 6 months to ensure he could keep his head down and focus on his studies to stay on track to graduate in 2008 on time! If any of you are ever in Salt Lake City, UT and want a ride I would love to take you somewhere in my 2012 Hybrid Toyota Highlander that is decked out with all the bells and whistles including back seat DVD player which comes in handy for our frequent road trips to Las Vegas and California! The weather has been so very nice lately. The landscaping in our front and back yard is really coming together especially since we've hired people this year to take care of it. After all, an acre estate isn't easy to maintain all on our own. My husband is thinking about installing a lovely area where we can host social gatherings and perhaps include a jacuzzi. Now that our kids are getting to both be school age this fall I have decided to hire a personal trainer, personal chef and massage therapist to maintain my wellness regimen! I'll see you at the Whole Foods market since it is the ONLY place I shop these days which is a far cry from my local chain grocer I was use to! Let me know if you ever want to join us skiing next season. We are season pass holders to Alta and we own a cabin in Park City with a couple other friends so accommodating you wouldn't be entirely out of the question! My husband is half way done obtaining his pilot license. Hopefully the same friends we own the cabin with will go in on a small plane as well so we can take turns flying all around! Being married to a chiropractor is THE BEST!!

Seeing Is Believing

In case you don't follow my husband, the Chiropractor, has resorted to earning a living through teaching via our states education department's alternative route to licenser. You see when one finishes their doctorate degree in chiropractic with a bachelors in life science you would think he could teach anything. He has been teaching astronomy and chemistry this year and making more than ever than chiropractic ever paid him. Well, it has been a colossal undertaking to keep the fulfillments of the ARL and pay their fees. Recently he took some math tests and the chemistry and was up for re-evaluation. They re- requested undergrad transcripts from his pre chiropractic school to determine his ability. Sadly, this is what he was told today:

To: Dr Chiro Husband
ARL recently received your UVU and Dixie State College transcripts which you asked us to review again to see if you were eligible for ARL in Math 3 yet. As of 4/9/12 USOE’s Licensing has changed the the eligibility requirements to teach Math in ARL (see below). You are not currently eligible to for ARL in Math and we were only able to count your Calculus I course because your Calc. II course at UVU did not earn a “C” (not C- or below) grade. At this time your current position is part time in Chemistry and Math and the Chemistry portion in which you are eligible for ARL is not 50% of a full teaching day to qualify for the ARL program. Please let us know if this changes when you receive your new teaching assignment on Cactus for the 2012-13 upcoming year after July 1st.

Please tell me this entire post chiropractic reality is just one joke! I affectionately responded to my husband's forwarded email for my review this response:

F@#$ THEM. Just go back to school part time or full while you teach. I will support us for as long as you wish. PHD in math?? Go for it babe. F$%# them all. I got your back. Apply to U of U and shoot for the stars!-Chiropractors Wife

I am beside myself in the first place that they by and large disregard ALL classes from Logan University where my husband spent over 100K and 4 years of his life (year round which equals 5 academic years +his 2 semesters of advanced science credits he took there) only to basically be in the same boat as he was when we first met 10 years ago! Regrets? Only a few.

The Fifth Element

Love? No. Money! When one is told they will be legitimate players in the post graduate field of Chiropractic as licensed physicians one is eager to stop by financial aide and happily sign the promissory notes involved year after year with delight! Little did they know that those astronomical fees and expenses related to becoming said provider will prove fruitless. We made the mistake of feeling like we would be the exception. We would defy the nay sayers and prove them all wrong by growing a spectacular clinic in the peak of a deep recession and defy all the odds coming out on top. Boy were we wrong! It feels like we traded our last and best beef cow for a bag of magic beans. Magic beans that didn't do anything but grow a weak vine withering away never to bare fruit. Coaches and practice management gurus come from far and wide to offer us their crop saving methods for a price only to further mock and tarnish the hope that was Chiropractic.

Boo!!!!!

We reap the benefits of chiropractic care but that doesn't pay the bills. Raising the price on such an education is a scam. I know my husband's chosen profession is not the only one that feels this way but DAMN!!!!

Broke Doctors Anonymous

There should be a safe place to be honest about being a licensed physician and broke. I've talked about bankruptcy before and we are JUST finally getting around to it. I turned in all of our paperwork and most of the fees yesterday. We also had the pleasure of paying my husbands mal practice insurance again. It felt like we just barely paid it!? Oh, wait, I already mentioned that in my last post! Forgive me!!!
I found myself digging into my dear husband yesterday with spite and full fledge PMS hissy fit about how he has never been able to provide for our family. It turns out to be a tad absurd considering I stayed home the entire year last year unemployed and carefree. Leave it to PMS to bring to pass hidden resentments about the path we have walked together.
I honestly feel like my husband can't catch a break. By no fault of his own, besides perhaps not being willing to just grab everyone who crosses his path off the street and force them into being his patient, he seems to not be in demand whatsoever. I wonder if what I am witnessing is a slow demise of his chosen profession and a dying desire to offer people a service nobody thinks they need. I sure hope me taking a great full time job doesn't mean we get to pay a house payment in student loan payments monthly ever ensuring we remain living in cramped dwellings henceforth.
Besides all that he just started teaching his Astronomy unit and loves it. I love seeing him excited about teaching and sharing his knowledge with young minds most usually unwilling to receive. In this case, doctor means teacher and teacher means broke!

Beware The Ides of March

We are finally getting around to filing bankruptcy. Man oh man is it an ordeal. We figured the second law suit slapping us meant that it was time. I have found great representation and they tell me we have an open and shut case. I am actually looking forward to it and NOT looking forward to it all at once. I have recently taken a full time job and completely moved on with my life beyond Chiropractic Clinic ownership. In fact, it is a funny ole fact that I have unresolved left low back pain for weeks and weeks and make for a rather crappy patient.
I don't know how many times I bug my husband to adjust me an then fail to keep my arranged time. I am the WORST patient. Who knew?
I know for a fact RN's and MD's make for terrible patients too. Funny ole world!

Another funny moment to share was the fact that my husband went to get adjusted at his old clinic where he associated last year and the doc there said 2 large unfriendly men were looking for my husband! SCARY! Can we say, busted knee caps anyone? Honestly, we do owe a ton of money from the old commercial real estate 5 yr lease we signed so I don't blame people for hunting him down but it is scary stuff!

Life is good. We just got to pay the premium again on mal-practice insurance. I am tired of paying that quite frankly. It's like a car payment or something quarterly.

I think about Navy Seals and such how you try out for that and you know going in only a pool of the best and brightest make it. In chiropractic, even if you are the best and brightest bookwise and skillwise like my husband was, you are not guareenteed to make any money. What's tradgic is you are under the assumption that although not everyone makes it that it is a viable career choice worth 30K a year for years and years! When I asked the attourney about trying to get student loans dropped he said he tried once and had a pretty good case but failed. Sigh. We live in Utah so it would be even harder to get the private loans dropped!