Right.  If you don&#x27;t consider the training period you have a ridiculously rosy picture of the economics for a doctor.  And as you say, this is the best case.  Few doctors make anything like what cardiologists make.<p>In addition to all the debt you rack up, finishing your schooling in your 30s represents a huge opportunity cost - in the US a software developer with a BS has grossed something like a million dollars by then.