Rushing to pay off student loans can feel productive But it's not always the right move You need to consider: • Your career path • Your taxes • Your mindset • Your cash flow Today's new episode out now Part 3 of the new attending money series Listen on Apple or Spotify

A financial plan doesn't have to be complicated It's four primary pillars: income, expenses, savings, debt Write them down No written plan means no real direction Today's new episode fixes that Listen on Apple or Spotify

Irregular expenses are more regular than you think If you're only tracking the big picture numbers, you're missing the real cost of living, and the real cost of buying a home There's more than the monthly payments From today's new episode of Physician Cents

When buying a home, the sticker price is not the full cost Watch for: - Utility deposits - HOA fees, some run $1,000+ per month - Selling costs if you move again in a few years - Buying costs on the next place This is one of the largest purchases you'll make Know the full picture first

A mortgage payment is not your whole housing budget Repairs and upgrades need their own bucket of money, separate from principal and interest If there's enough in the bucket, you move forward If there's not enough, you wait Build a plan and prepare for the costs

The real problem isn't overspending or underspending It's not knowing your numbers Fix that first Build a cash flow plan, then spending, saving, and paying down debt all get simpler Today's new episode out now Listen on Apple or Spotify

A physician mortgage can be a great tool But just because you're a doctor doesn't mean you automatically need one There are important things to consider before you start shopping for a lender or get caught up in the lowest rate Today’s new episode out now Listen on Apple or Spotify

Buying and selling a home in a short period of time can wipe out a shocking amount of progress Closing costs, moving costs, commissions, and everything else add up fast Unfortunately in today's world, it’s not hard to burn through $100k before you even realize what happened New episode out today

Your contract might look amazing on paper Big base salary, production bonus, quality bonus But what matters is what actually hits your bank account Understand your real income and then choose a home that fits your actual financial life

Around half of doctors leave their first attending position If you buy before you know the job is right, that mortgage can make it a lot harder to walk away from a bad situation Your career and your health are worth protecting

One of the frustrating things about paying off credit card debt is that the balance isn’t static You're paying it down, but you're also continuing to put expenses on the card Today's new episode is all about how to create a payoff plan that actually works Listen on Apple or Spotify

Paying off debt doesn't feel like progress the same way investing does But knocking out 10%+ interest debt is a guaranteed win And once that weight is gone, your income can do what it was meant to do From today's new episode of A Good Problem to Have

Retirement accounts are important But the account that gives you the most flexibility is your taxable brokerage account - No age restrictions - No contribution limits or RMDs - No waiting until retirement to use your money Today's new episode of A Good Problem to Have Listen on Apple or Spotify

A guaranteed salary is a great benefit But treating it like a permanent paycheck can be a costly mistake Before you buy the house or upgrade your lifestyle, make sure you understand what your compensation looks like after the guarantee expires From today’s new episode of A Good Problem to Have

You can try to build the perfect financial plan But six months later, life makes it completely outdated That's not a failure It's the whole point of planning Newest episode of A Good Problem to Have out now

Planning to buy a new construction? Before you take the builder's financing offer, slow down A lower rate, credits, or free upgrades can be a great deal But only if the numbers actually work in your favor From today’s new episode Listen on Apple or Spotify

Today's new episode is all about compensation • RVUs • Contracts • Negotiation Understanding how you're paid isn't just about making more, it's about making informed career decisions Listen on Apple or Spotify

Setting up an S-Corp isn't just about saving on taxes It comes with real responsibilities • A reasonable salary • Bookkeeping • Payroll • Ongoing compliance Don't focus only on the upside Focus on doing it correctly and making the right choice for yourself

1099 income can be an incredible opportunity - Potentially higher pay - More flexibility - Better tax planning But there's also more responsibility and risk involved Understand the tradeoffs before making the leap

Most doctors focus on medicine first, as they should But eventually, many start asking questions about taxes, investing, and financial freedom It’s important to set aside some time to consider & plan for different areas of life Listen to today’s conversation on Apple or Spotify

Starting a business is hard Starting a healthcare business may be even harder This week I'm joined by Dr. Noah Kaufman to talk about the behind-the-scenes realities of launching KaufCare, a direct acute care practice A thoughtful conversation for anyone interested in ownership and independence

You can gradually introduce money conversations You can control how and when information is shared You can't control what happens when assets legally belong to someone else If we're not careful, we can unintentionally create expectations that don't match reality and damage trust along the way

You don't need a perfect college savings plan You need a goal Without a target it's hard to know if you're on track For some families, that means saving whatever fits the budget today For others, it's calculating exactly what it will take to fund a specific school

One of the biggest college planning mistakes? Assuming there's one "right" answer Some families want to cover everything Others want to pay for undergrad and let their kids take it from there The key is deciding what matters most before you start saving and investing

If you're counting on PSLF buyback, this episode is for you Should you keep making payments & hedge against uncertainty? Or stop paying & rely on the buyback process? Neither option is perfect, but understanding the tradeoffs can help you move forward with confidence Listen on Apple or Spotify

An S-Corp can help you save money on taxes But what often gets missed are the expenses, retirement contributions, and administrative costs that reduce the potential benefit Before you jump in, make sure you understand the full picture New episode out today (Listen on Apple or Spotify)

The more I invest, the more I realize simplicity usually wins Early in my career I went down every rabbit hole possible And honestly? Most of it just added stress, complexity, and more things to babysit A good financial plan shouldn’t feel exhausting to manage From today's new episode:

The biggest value add for most physicians is tax planning, cash flow strategy, and building a plan that actually works together Then as wealth grows, the focus can shift toward diversification beyond just public markets The goal isn’t always "beating the market" From tomorrow's new episode:

A lot of physicians are accidentally building scattered portfolios - 403(b) - HSA - Roth accounts - Taxable accounts If you’re making investment decisions account by account, you’re probably missing the bigger picture Your portfolio should work together as ONE strategy, not several separate ones

A good advisor should be able to explain: • How they get paid • Why they’re recommending something • What value you’re receiving If they can’t do that clearly, you should probably keep looking Today’s new episode is all about fees & incentives in the financial industry Listen on Apple or Spotify