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Вміст надано Dr. Disha Spath, MD, and FACP. Весь вміст подкастів, включаючи епізоди, графіку та описи подкастів, завантажується та надається безпосередньо компанією Dr. Disha Spath, MD, and FACP або його партнером по платформі подкастів. Якщо ви вважаєте, що хтось використовує ваш захищений авторським правом твір без вашого дозволу, ви можете виконати процедуру, описану тут https://uk.player.fm/legal.
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On this episode of Advances in Care , host Erin Welsh and Dr. Craig Smith, Chair of the Department of Surgery and Surgeon-in-Chief at NewYork-Presbyterian and Columbia discuss the highlights of Dr. Smith’s 40+ year career as a cardiac surgeon and how the culture of Columbia has been a catalyst for innovation in cardiac care. Dr. Smith describes the excitement of helping to pioneer the institution’s heart transplant program in the 1980s, when it was just one of only three hospitals in the country practicing heart transplantation. Dr. Smith also explains how a unique collaboration with Columbia’s cardiology team led to the first of several groundbreaking trials, called PARTNER (Placement of AoRTic TraNscatheteR Valve), which paved the way for a monumental treatment for aortic stenosis — the most common heart valve disease that is lethal if left untreated. During the trial, Dr. Smith worked closely with Dr. Martin B. Leon, Professor of Medicine at Columbia University Irving Medical Center and Chief Innovation Officer and the Director of the Cardiovascular Data Science Center for the Division of Cardiology. Their findings elevated TAVR, or transcatheter aortic valve replacement, to eventually become the gold-standard for aortic stenosis patients at all levels of illness severity and surgical risk. Today, an experienced team of specialists at Columbia treat TAVR patients with a combination of advancements including advanced replacement valve materials, three-dimensional and ECG imaging, and a personalized approach to cardiac care. Finally, Dr. Smith shares his thoughts on new frontiers of cardiac surgery, like the challenge of repairing the mitral and tricuspid valves, and the promising application of robotic surgery for complex, high-risk operations. He reflects on life after he retires from operating, and shares his observations of how NewYork-Presbyterian and Columbia have evolved in the decades since he began his residency. For more information visit nyp.org/Advances…
Finding Financial Freedom with The Frugal Physician - Finance, Wellness, Budget, Student Loans, Wealth, Doctor, Fitness, Money
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Вміст надано Dr. Disha Spath, MD, and FACP. Весь вміст подкастів, включаючи епізоди, графіку та описи подкастів, завантажується та надається безпосередньо компанією Dr. Disha Spath, MD, and FACP або його партнером по платформі подкастів. Якщо ви вважаєте, що хтось використовує ваш захищений авторським правом твір без вашого дозволу, ви можете виконати процедуру, описану тут https://uk.player.fm/legal.
Financial Freedom and Peace of Mind. For all of us. A podcast by The Frugal Physician for healthcare professionals looking to get their financial house in order and design their ideal lives.
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Manage series 3595688
Вміст надано Dr. Disha Spath, MD, and FACP. Весь вміст подкастів, включаючи епізоди, графіку та описи подкастів, завантажується та надається безпосередньо компанією Dr. Disha Spath, MD, and FACP або його партнером по платформі подкастів. Якщо ви вважаєте, що хтось використовує ваш захищений авторським правом твір без вашого дозволу, ви можете виконати процедуру, описану тут https://uk.player.fm/legal.
Financial Freedom and Peace of Mind. For all of us. A podcast by The Frugal Physician for healthcare professionals looking to get their financial house in order and design their ideal lives.
…
continue reading
89 епізодів
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Finding Financial Freedom with The Frugal Physician - Finance, Wellness, Budget, Student Loans, Wealth, Doctor, Fitness, Money
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In this episode of The Real Estate Pessimist Podcast, we sit down with Dr. Gelerie, an anesthesiologist with 20 years in the medical field, and Erik, an expert in teaching, marketing, PR, and photography. Together, they share their journey into real estate—how they started, the challenges they faced, and the strategies they used to build a successful investment portfolio. From buying their first property to understanding market cycles, setting up systems, and shifting career paths, this conversation is packed with insights on making real estate work—even with little to no money down. Key Topics Covered: Getting Started in Real Estate How Dr. Gelerie and Erik transitioned from medicine and marketing into investing. Buying & Renting Their First Property Lessons learned from their first real estate deal. Understanding Market Cycles How real estate moves in cycles and why timing matters. Building Systems & Relationships for Long-Term Success The key to scaling a real estate business efficiently. Shifting Careers & Investing with Confidence How a mindset shift helped them navigate new opportunities. Investing with Little to No Money Down Creative financing strategies that work. Managing Rental Properties What property management really looks like behind the scenes. Resources Mentioned: Cashflow Quadrant by Robert Kiyosaki Rich Dad Poor Dad by Robert Kiyosak i BiggerPockets Short-Term Rental, Long-Term Wealth by Avery Carl EVOLVE Company The Real Estate Pessimist Podcast Listener Takeaways: You don’t need a real estate background to get started—just the willingness to learn. Investing with little to no money down is possible with the right strategy. Systems and relationships are key to scaling in real estate. Connect with Us: Host: Dr. Disha Spath, The Frugal Physician Guests: Dr. Gelerie and Erik Stenbakken Thank you for tuning in! Be sure to share this episode with anyone navigating student loan repayment. This episode is also sponsored by Reza & Sharif CPAs - They provide more than just tax returns and financial statements—they deliver strategic financial solutions tailored to your needs. Whether you're a business owner, physician, or investor, they help you navigate complex tax laws, maximize savings, and build long-term wealth. With expert tax planning, accounting, and advisory services, they ensure your finances work for you—not the other way around. Take control of your financial future today. Visit rezasharif.com to see how they can help.…
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Finding Financial Freedom with The Frugal Physician - Finance, Wellness, Budget, Student Loans, Wealth, Doctor, Fitness, Money
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1 Ep88: Retirement Planning Secrets: Building Your Paycheck & Finding Fullfillment with Fritz Gilbert 39:30
In this episode of Finding Financial Freedom Podcast, Dr. Disha Spath sits down with Fritz Gilbert, founder of The Retirement Manifesto and award-winning blogger, to uncover the secrets of a successful retirement. Fritz shares how he planned his early retirement, built financial security, and navigated the emotional and relational aspects of this major life transition. Discover the strategies behind his three-year cash cushion, the bucket system for managing retirement spending, and how he handled investments during market downturns. Plus, get insights on Roth IRA conversions, the 72(t) rule, and why non-financial aspects of retirement are just as important as the numbers. Key Topics Covered: 1. Preparing for Early Retirement What inspired Fritz to retire early and how he planned for it. 2. Building a Three-Year Cash Cushion How cash reserves provide security in retirement. 3. Estimating Retirement Spending Using cash buckets to create a sustainable withdrawal strategy. 4. Investment Strategy During Market Downturns Did Fritz pause withdrawals during COVID? The 72(t) Rule Explained 5. How it allows penalty-free early retirement withdrawals. Roth IRA ConversionsTax-efficient strategies for long-term wealth. 6. Beyond Money The Emotional Side of Retirement Why relationships and purpose matter just as much as finances. 7. Avoiding Common Retirement Planning Mistakes Lessons from Fritz’s experience. Resources Mentioned: Keys to a Successful Retirement by Fritz Gilbert The Retirement Manifest Blog by Fritz Gilbert How to Retire by Christine Benz Listener Takeaways: Build a cash cushion to weather market downturns in retirement. Structure your retirement paycheck with a clear spending and withdrawal plan. Understand the key tax strategies, like Roth conversions and the 72(t) rule. Plan beyond finances—focus on relationships, purpose, and fulfillment. Connect with Us: Host: Dr. Disha Spath, The Frugal Physician Guest: Fritz Gilbert: Founder of The Retirement Manifesto Thank you for tuning in! Be sure to share this episode with anyone navigating student loan repayment. This episode is also sponsored by FacetWealth Discover how Facet is transforming financial planning for physicians with personalized, flat-fee financial planning—visit facet.com/frugalphysician to start building your financial future today.…
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Finding Financial Freedom with The Frugal Physician - Finance, Wellness, Budget, Student Loans, Wealth, Doctor, Fitness, Money
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1 Ep87: How Direct Primary Care is Breaking Barriers in Healthcare with Dr. Josh Umbehr - Part 2 39:40
In this episode, we continue our insightful conversation with Dr. Josh Umbehr, founder of Atlas MD, to explore how Direct Primary Care (DPC) is transforming healthcare. From building a scalable electronic medical record (EMR) system to addressing the barriers of traditional insurance, Dr. Umbehr sheds light on the innovations making healthcare more accessible, affordable, and patient-focused. Dr. Umbehr also discusses the future of DPC, advice for physicians starting their own practices, and the importance of work-life balance. This episode is packed with actionable insights and practical advice for both healthcare professionals and patients seeking a better healthcare model. Key Topics Covered: 1. The Story Behind Atlas MD Discover the inspiration behind the creation of Atlas MD and how Dr. Josh built a platform that empowers DPC practitioners nationwide. Learn why building a fast and scalable EMR system was key to the success of Atlas MD. 2. Revolutionizing Healthcare Costs Understand why Dr. Umbehr believes the answer to affordable healthcare lies in not relying on insurance for routine care. 3. The Future of Direct Primary Care Gain insights into the next big challenges DPC could tackle and how it can reshape the healthcare landscape further. 4. Advice for Physicians Entering DPC Hear what Dr. Josh would tell physicians considering starting their own DPC practice and how they can overcome common challenges. 5. Managing Work-Life Balance in Medicine Learn how Dr. Umbehr prioritizes balance to maintain both professional and personal well-being. 6. Understanding Malpractice Insurance in DPC Get an overview of malpractice insurance costs for DPC practitioners and how it differs from traditional practices. Resources Mentioned: Cure That Works Risking Business: Why Insurance Companies Fail and What to Do About It Radical Candor Atlas MD Website Listener Takeaways: Understand how DPC is breaking barriers in healthcare through affordability and transparency. Learn practical steps to build a DPC practice that prioritizes the doctor-patient relationship. Discover the benefits of reducing reliance on insurance for routine care. Gain inspiration to innovate and create meaningful change in the healthcare system. Connect with Us: Host: Dr. Disha Spath, The Frugal Physician Guest: Dr. Josh Umbehr: Founder of Atlas MD and advocate for direct primary care. Follow him on LinkedIn Thank you for tuning in! Be sure to share this episode with anyone navigating student loan repayment. This episode is also sponsored by FacetWealth Discover how Facet is transforming financial planning for physicians with personalized, flat-fee financial planning—visit facet.com/frugalphysician to start building your financial future today.…
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Finding Financial Freedom with The Frugal Physician - Finance, Wellness, Budget, Student Loans, Wealth, Doctor, Fitness, Money
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1 Ep86: How Direct Primary Care is Breaking Barriers in Healthcare with Dr. Josh Umbehr - Part 1 26:16
In this episode of the Finding Financial Freedom podcast, we sit down with Dr. Josh Umbehr, founder of Atlas MD and a pioneer in the field of direct primary care (DPC) , often referred to as "concierge medicine." With over 1,700 doctors nationwide on their platform, Atlas MD is revolutionizing the way healthcare is delivered, focusing on transparency, affordability, and rebuilding trust in the doctor-patient relationship. Dr. Umbehr shares his journey into medicine and the inspiration behind starting Atlas MD, offering valuable insights into how DPC differs from traditional primary care. He also dives into the importance of putting patients first and how this innovative model prioritizes the doctor-patient connection while reducing administrative burdens. This episode is packed with insights to help you understand this growing movement in healthcare. Stay tuned for part two! Key Topics Covered: 1. The Journey to Atlas MD Learn about Dr. Josh Umbehr's career path, what inspired him to innovate in the medical field, and how Atlas MD became a platform to support DPC practitioners nationwide. 2. What is Direct Primary Care (DPC)? Discover how DPC differs from traditional primary care. Understand why it’s often called the “Costco” of healthcare, with its focus on subscription-based, transparent, and affordable pricing. 3. Why Traditional Healthcare Models Are Losing Trust Explore the reasons behind the loss of trust in traditional healthcare systems. Learn how DPC fosters trust through fair, transparent pricing and personalized care. 4. A Revolutionary Approach to Billing Dive into the simplified billing process used in DPC, which allows doctors to spend more time with patients and less time navigating insurance red tape. 5. The Rise of the Doctor-Patient Relationship Understand why meaningful doctor-patient relationships are at the core of DPC and how this model enhances communication, trust, and outcomes. Resources Mentioned: Atlas MD Website Listener Takeaways: Gain a clear understanding of how DPC works and why it’s a game-changer for healthcare. Learn actionable steps to rebuild trust with patients through transparency and personalized care. Understand how doctors can reduce administrative burdens and prioritize patient care. Explore the potential of DPC to reshape the future of healthcare. Connect with Us: Host: Dr. Disha Spath, The Frugal Physician Guest: Dr. Josh Umbehr: Founder of Atlas MD and advocate for direct primary care. Follow him on LinkedIn Thank you for tuning in! Be sure to share this episode with anyone navigating student loan repayment. This episode is also sponsored by FacetWealth Discover how Facet is transforming financial planning for physicians with personalized, flat-fee financial planning—visit facet.com/frugalphysician to start building your financial future today.…
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Finding Financial Freedom with The Frugal Physician - Finance, Wellness, Budget, Student Loans, Wealth, Doctor, Fitness, Money
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1 Ep85: Financial Freedom with Land Investing: How Dr. Mamta Kumar Built 7-Figure Passive Income Streams 41:22
In this episode of Financial Freedom Podcast, join Dr. Disha Spath and guest, Dr. Mamta Kumar as they uncover how land investing can help you design a life that reflects your core values. Dr. Mamta shares her inspiring journey from medicine to real estate, the challenges she overcame, and how she’s empowering others, especially physicians, to achieve financial independence through this unique investment path. This episode is a must-listen for professionals seeking actionable insights on land investing, building passive income, and creating a purpose-driven lifestyle! Key Topics Covered: 1. From Medicine to Land Investing Discover how Dr. Mamta Kumar transitioned from her medical career to becoming a land investor. 2. Breaking Barriers in a Non-Traditional Career Path Explore how Dr. Mamta’s journey as an Indian female land investor is breaking stereotypes and inspiring others. 3. Investment Costs and Getting Started Understand what it took for Dr. Mamta to start land investing and how you can take the first step today. 4. Actionable Tips for Beginner Land Investors Dr. Mamta shares her best advice for those interested in entering the world of land investing. 5. Overcoming Roadblocks with County Regulations Learn strategies to navigate common challenges when working with counties. 6. Mentoring Physicians Toward Financial Freedom Discover how Dr. Mamta is empowering other professionals by teaching them how to achieve passive income through land investing. Resources Mentioned: Land.com BiggerPockets Realtor.com Rich Dad Poor Dad The Cashflow Quadrant Zillow Listener Takeaways: Avoid billing mistakes that lead to lost revenue. Track key metrics to improve your practice’s financial health. Build a sustainable practice with actionable daily habits. Leverage telemedicine to enhance patient care and grow your business. Understand the critical role of proper documentation in healthcare success. Connect with Us: Host: Dr. Disha Spath, The Frugal Physician Guest: Dr. Mamta Kumar: Follow her Website , Facebook , and Instagram Thank you for tuning in! Be sure to share this episode with anyone navigating student loan repayment. This episode is also sponsored by FacetWealth Discover how Facet is transforming financial planning for physicians with personalized, flat-fee financial planning—visit facet.com/frugalphysician to start building your financial future today.…
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Finding Financial Freedom with The Frugal Physician - Finance, Wellness, Budget, Student Loans, Wealth, Doctor, Fitness, Money
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1 Ep84: Mastering the Billing Side of Medicine: Avoiding Billing Pitfalls & Building a Sustainable Practice 36:15
In this episode of The Frugal Physician, Dr. Heather Signorelli shares her expertise on managing the business side of medicine. As a board-certified pathologist, physician executive, and co-founder of NatRevMD, Dr. Signorelli has helped healthcare practices boost revenue by over 25%. She discusses how to build a sustainable private practice, avoid costly billing mistakes, and future-proof your operations with practical strategies. Perfect for healthcare professionals looking to optimize their practice, streamline billing, and thrive in today’s ever-changing medical landscape. Key Topics Covered: 1. Introduction: Mastering the Business of Medicine Learn how Dr. Heather Signorelli uses her extensive healthcare management expertise to help private practices thrive. 2. Meet Dr. Heather Signorelli: Innovator and Physician Leader Discover Dr. Signorelli’s journey from practicing pathologist to healthcare entrepreneur and co-founder of NatRevMD. 3. Avoiding Common Insurance Billing Mistakes Explore the most frequent billing errors and how to prevent them to protect your revenue cycle. 4. Tracking the Right Billing Metrics Uncover the top five metrics every private practice should monitor to boost financial performance. 5. Building a Sustainable Private Practice Dr. Signorelli shares practical tips for starting small, staying consistent, and building long-term success. 6. The Power of Proper Documentation Understand why detailed physician documentation is key to compliance and maximizing revenue. 7. Telemedicine Success in a Changing Landscape Learn how to implement telemedicine effectively and keep your practice ahead of the curve. Resources Mentioned: Thrive: Top 10 Ways to Boost Your Practice's Revenue by Dr. Heather Signorelli NatRevMD – Medical Billing Services NatRevMD - Telehealth Changes in 2025: What Physicians Need to Know Blog Modern Healthcare– Top 40 Under 40 Emerging Leaders Skool Course NatRevMD Podcast Listener Takeaways: Avoid billing mistakes that lead to lost revenue. Track key metrics to improve your practice’s financial health. Build a sustainable practice with actionable daily habits. Leverage telemedicine to enhance patient care and grow your business. Understand the critical role of proper documentation in healthcare success. Connect with Us: Host: Dr. Disha Spath, The Frugal Physician Guest: Dr. Heather Signorelli: Follow her Website , Facebook , and LinkedIn Email her at: info@natrevmd.com Thank you for tuning in! Be sure to share this episode with anyone navigating student loan repayment. This episode is also sponsored by FacetWealth Discover how Facet is transforming financial planning for physicians with personalized, flat-fee financial planning—visit facet.com/frugalphysician to start building your financial future today. This episode is also sponsored by Corporate Direct - Helping entrepreneurs and investors protect their assets and build real wealth. Corporate Direct also assists clients in meeting compliance requirements under the Corporate Transparency Act, ensuring federal reporting is handled with ease and accuracy.…
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Finding Financial Freedom with The Frugal Physician - Finance, Wellness, Budget, Student Loans, Wealth, Doctor, Fitness, Money
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In this episode of the Financial Freedom Podcast, we welcome Doug Nordman, a retired U.S. Navy submariner, author, and financial independence advocate. Doug shares his inspiring journey to early retirement, practical tips for frugal living, and strategies for raising financially literate kids to prepare them for a life of financial stability. This episode is perfect for anyone looking to achieve financial independence, learn how to live a debt-free lifestyle, break free from overconsumption, and build generational wealth while adopting habits for long-term financial success. If you're starting your journey toward retirement planning this episode is a must listen. Key Topics Covered: 1. Doug Nordman’s Journey to Financial Independence Discover how Doug retired early through strategic financial planning and disciplined living. 2. Frugal Living Without Feeling Deprived Understand how intentional spending can lead to a fulfilling life without financial stress. 3. Striking the Balance Between Saving and Living Doug explains how to enjoy life while staying committed to your financial goals. 4. Teaching Kids Financial Literacy Early Learn how to introduce money concepts, allowances, and chores to teach your kids the value of frugality and smart money habits. 5. Doug’s Approach to Giving Back Explore Doug’s thoughtful donation strategies and how generosity can enrich your financial journey. 6. Tackling Overconsumption and Hyper Consumerism Get tips on resisting societal pressures to overspend and focusing on value-driven living. 7. Achieving Fulfillment Through Retirement Doug’s journey to achieving fulfillment through his retirement. Resources Mentioned: The Military Guide to Financial Independence and Retirement (Doug’s book) Raising Your Money-Savvy Family for Next Generation Financial Independence Listener Takeaways: Achieve financial independence with practical, actionable strategies. Balance frugal living with enjoying life’s pleasures. Equip your children with lifelong money skills. Avoid overconsumption and focus on intentional spending. Connect with Us: Host: Dr. Disha Spath, The Frugal Physician Guest: Doug Nordman: Author, speaker, and advocate for financial independence Email him at: nords@gmail.com Thank you for tuning in! Be sure to share this episode with anyone navigating student loan repayment. This episode is also sponsored by FacetWealth Discover how Facet is transforming financial planning for physicians with personalized, flat-fee financial planning—visit facet.com/frugalphysician to start building your financial future today. This episode is also sponsored by Corporate Direct - Helping entrepreneurs and investors protect their assets and build real wealth. Corporate Direct also assists clients in meeting compliance requirements under the Corporate Transparency Act, ensuring federal reporting is handled with ease and accuracy.…
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Finding Financial Freedom with The Frugal Physician - Finance, Wellness, Budget, Student Loans, Wealth, Doctor, Fitness, Money
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1 Ep82: Leaning Out with Dr. Dawn Baker: Work-Life Balance, Burnout Recovery, and Success Redefined 47:38
In this inspiring episode of the Finding Financial Freedom Podcast, guest Dr. Dawn Baker—physician, writer, speaker, and coach—shares her transformative journey from relentless achievement to finding work-life balance. After facing a cancer diagnosis, Dawn redefined her career and personal priorities, aligning her work with her “freedom values.” Join us as she unpacks the widespread burnout in the medical world, her motivation to challenge the "lean in" mindset, and how embracing a more intentional life can lead to greater fulfillment. With insights from her book Lean Out and her personal story, Dawn offers practical advice for professionals looking to escape the burnout cycle and create a meaningful balance between career and life. Key Topics Covered: 1. Challenging the “Lean In” Mentality Why Dawn advocates for a shift away from the relentless pursuit of growth and achievement. 2. Burnout in the Medical Profession The systemic issues driving physician burnout and how to address them. 3. Dawn Baker’s Personal Burnout and Recovery Her journey from high work demands to finding work-life balance. 4. Aligning Your Work with Freedom Values Steps to build a career that reflects your personal values and priorities. 5. Educational and Inspirational Insights from her book Lean Out Lessons and actionable tips from Dawn’s book that resonate across industries. Resources Mentioned: Lean Out by Dawn Baker The Lean Out Podcast with Dawn Baker Practice Balance Website Lean Out Confidence Course Listener Takeaways: Recognize the signs of burnout and take actionable steps toward recovery. Learn how aligning your values with your work can lead to sustainable success. Gain inspiration to challenge societal expectations and create your unique path. Connect with Us: Host: Dr. Disha Spath, The Frugal Physician Guest: Dr. Dawn Baker, Author of Lean Out Follow Dawn on Facebook , Twitter , Instagram and LinkedIn for updates on her journey and her podcast episodes. Thank you for tuning in! Be sure to share this episode with anyone navigating student loan repayment. This episode is also sponsored by FacetWealth Discover how Facet is transforming financial planning for physicians with personalized, flat-fee financial planning—visit facet.com/frugalphysician to start building your financial future today. This episode is also sponsored by Corporate Direct - Helping entrepreneurs and investors protect their assets and build real wealth. Corporate Direct also assists clients in meeting compliance requirements under the Corporate Transparency Act, ensuring federal reporting is handled with ease and accuracy.…
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Finding Financial Freedom with The Frugal Physician - Finance, Wellness, Budget, Student Loans, Wealth, Doctor, Fitness, Money
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In this episode of Finding Financial Freedom Podcast, join Dr. Disha Spath and Prisca Benson, a nurse and money coach, as they explore the path to financial freedom and teach you ways on how to take charge of your own money. Prisca shares how she turned debt into $370K in investments, simplified budgeting, and overcame financial anxiety. Discover practical tips for debt repayment, mindful spending, and using money as a tool for intentional living. Perfect for professionals seeking actionable advice to take control of their finances and build lasting wealth! Key Topics Covered: 1. Introduction: A Journey to Financial Freedom Discover how Dr. Disha Spath and special guest Prisca Benson share actionable tips to conquer debt and embrace mindful spending. 2. Meet Prisca Benson: From Debt to $370K in Investments Learn Prisca’s inspiring journey and the mindset shifts that transformed her financial life. 3. Actionable Steps to Start Your Financial Journey Today Prisca’s four-step framework (Assess, Streamline, Apply, Reassess) simplifies financial planning for everyone. 4. Maximize Your Savings with Points and Miles Tips and tricks for using credit card rewards responsibly to travel the world for less. 5. Budgeting with Joy: How to Balance Living and Saving Practical advice on creating budgets that help you enjoy life while achieving financial goals. 6. Overcoming Financial Anxiety: Start Small, Think Big Strategies for overcoming money fears and taking control of your finances. 7. Rapid-Fire Insights: Prisca’s Fun and Quirky Money Habits Get to know Prisca better with lighthearted rapid-fire questions about her money-saving hacks and inspirations. Resources Mentioned: Corporate Direct Website – Asset protection services Facet Our Green Life – Prisca’s platform for personalized money coaching Her Money Podcast and Choose FI Podcast Listener Takeaways: Begin your financial journey with a clear and actionable plan. Create stress-free budgets that allow you to enjoy life while saving. Overcome financial anxiety by starting small and thinking big. Use points and miles strategically to maximize travel savings. Shift your mindset to see money as a tool for intentional living. Connect with Us: Host: Dr. Disha Spath, The Frugal Physician Guest: Prisca Benson: Founder of Our Green Life Follow us on Instagram, Facebook, and Twitter for updates on upcoming episodes. Thank you for tuning in! Be sure to share this episode with anyone navigating student loan repayment. This episode is sponsored by: PearsonRavitz – Helping physicians safeguard their most valuable assets. This episode is also sponsored by FacetWealth Discover how Facet is transforming financial planning for physicians with personalized, flat-fee financial planning—visit facet.com/frugalphysician to start building your financial future today. This episode is also sponsored by Corporate Direct - Helping entrepreneurs and investors protect their assets and build real wealth. Corporate Direct also assists clients in meeting compliance requirements under the Corporate Transparency Act, ensuring federal reporting is handled with ease and accuracy.…
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Finding Financial Freedom with The Frugal Physician - Finance, Wellness, Budget, Student Loans, Wealth, Doctor, Fitness, Money
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1 Ep80: From Railroad Tracks to Critical Care: Dr. Carla Rotering on Redefining Thriving, Leadership, and Financial Freedom as a Woman Physician 53:23
In this episode of Finding Financial Freedom, Dr. Disha Spath sits down with Dr. Carla Rotering, a renowned pulmonologist and leadership coach, to explore her inspiring journey as a woman physician navigating the challenges of medicine, motherhood, and financial freedom. Dr. Carla shares invaluable insights on how she overcame burnout, rebuilt her career with a renewed sense of purpose, and took control of her finances—while also being a compassionate leader and role model in the medical field. From understanding how to achieve financial independence to redefining success and balance, Dr. Carla’s experience offers actionable advice for women in medicine looking to transform their careers and lives. If you're a physician facing burnout, seeking leadership guidance, or aiming for work-life balance and financial freedom, this episode will inspire you to take control of your career and life transformation. Key Topics Covered: 1. Thriving as a Woman in Medicine Dr. Carla discusses her journey from the railroad tracks to critical care and how women in medicine can thrive by redefining their approach to work, life, and success. 2. Leadership in Medicine Learn how Dr. Carla's leadership coaching has helped other healthcare professionals unlock their potential and manage the pressures of the medical field. 3. Financial Freedom for Women Physicians Dr. Carla shares her strategies for managing finances, building wealth, and achieving financial independence as a woman in a demanding profession. 4. Overcoming Burnout in Your Field Dr. Carla talks about recognizing the signs of burnout and how she not only survived but thrived by implementing leadership techniques and prioritizing self-care. 5. Balancing Family and Critical Care How Dr. Carla navigates her role as a mother while working in pulmonary critical care, offering insights for other women juggling careers and family life. 6. Building a Practice and Career Transformation Discover the steps Dr. Carla took to build her own practice and create a thriving career without sacrificing her personal well-being. 7. Financial Management for Single Moms in Medicine Dr. Carla offers advice to single mothers in medicine, sharing how she successfully balanced her professional responsibilities with financial management. Resources Mentioned: Dr. Carla’s Leadership Coaching Program Transforming You Events Listener Takeaways: Learn how to achieve financial freedom and wealth-building as a woman physician. Gain practical tips on managing burnout and creating a sustainable work-life balance. Understand the steps to take control of your career and finances as a woman in medicine. Discover how leadership can redefine success and help you thrive in both your personal and professional life. Connect with Us: Host: Dr. Disha Spath, The Frugal Physician Guest: Dr. Carla Rotering, Renowned Pulmonologist & Leadership Coach Follow us on Instagram, Facebook, and Twitter for updates on upcoming episodes. Thank you for tuning in! Be sure to share this episode with anyone navigating student loan repayment. This episode is sponsored by: PearsonRavitz – Helping physicians safeguard their most valuable assets. This episode is also sponsored by FacetWealth – Discover how Facet is transforming financial planning for physicians with personalized, flat-fee financial planning—visit facet.com/frugalphysician to start building your financial future today. This episode is also sponsored by Corporate Direct - Helping entrepreneurs and investors protect their assets and build real wealth. Corporate Direct also assists clients in meeting compliance requirements under the Corporate Transparency Act, ensuring federal reporting is handled with ease and accuracy.…
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Finding Financial Freedom with The Frugal Physician - Finance, Wellness, Budget, Student Loans, Wealth, Doctor, Fitness, Money
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In this episode of Finding Financial Freedom, Dr. Disha Spath welcomes Ted Sutton, a licensed attorney with Corporate Direct, and Garrett Sutton, founder of Corporate Direct and the Sutton Law Center, to discuss how physicians and professionals can take control of their financial futures. From forming LLCs to avoiding tax pitfalls, Ted and Garrett break down the essentials of asset protection, business entity management, and legal compliance in an engaging and practical conversation. With over 14,000 clients served and multiple bestselling books, Garrett Sutton brings decades of experience to help doctors secure their personal and professional assets. If you're thinking about starting a private practice or just looking to safeguard your wealth through asset protection strategies, this episode is the perfect guide. Key Topics Covered: 1. Why Physicians Need Asset Protection Learn why it’s crucial to protect not just your practice but your personal assets, and how business entities can shield your wealth. 2. The Essentials of Setting Up an LLC Step-by-step guidance on forming an LLC, understanding the “continuity of obligation,” and ensuring it’s done right from the start. 3. Maintaining Compliance with the Corporate Transparency Act How this new law affects business owners and what you need to do to stay compliant. 4. Avoiding Common LLC Pitfalls From neglected paperwork to improper renewals, discover the most common mistakes that can jeopardize your LLC—and how to avoid them. 5. Garrett Sutton’s Expertise in Asset Protection Insights from Garrett’s bestselling books (Start Your Own Corporation, Loopholes of Real Estate) and decades of experience helping professionals secure their financial futures. Resources Mentioned: PearsonRavitz Rich Dad Poor Dad by Robert Kiyosaki Veil not Fail by Garrett Sutton Start Your Own Corporation, Loopholes of Real Estate by Garett Sutton Corporate Direct Website Sutton Law Center Listener Takeaways: Understand why forming an LLC is essential for protecting both your medical practice and personal assets. Learn the critical steps to setting up and maintaining a compliant business entity under the Corporate Transparency Act. Avoid common mistakes in LLC management and ensure your financial and legal safeguards are rock solid. Connect with Us: Host: Dr. Disha Spath, The Frugal Physician Guests: Garett Sutton, founder of Corporate Direct Atty. Ted Sutton of Corporate Direct Follow us on Instagram, Facebook, and Twitter for updates on upcoming episodes. Thank you for tuning in! Be sure to share this episode with anyone navigating student loan repayment. This episode is sponsored by: PearsonRavitz – Helping physicians safeguard their most valuable assets. This episode is also sponsored by FacetWealth – Discover how Facet is transforming financial planning for physicians with personalized, flat-fee financial planning—visit facet.com/frugalphysician to start building your financial future today.…
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Finding Financial Freedom with The Frugal Physician - Finance, Wellness, Budget, Student Loans, Wealth, Doctor, Fitness, Money
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In this episode of Finding Financial Freedom, author and entrepreneur David Barnett navigates the ins and outs of buying, running, and selling small to medium sized businesses. With years of hands-on experience, David offers insights designed to explain the complexities of entrepreneurship, empowering listeners to approach each stage of business ownership with confidence and clarity. David dives deep into the critical factors that affect business value, including financial health, market trends, and industry conditions. He provides a roadmap for both buyers and sellers, guiding them on how to realistically assess value and negotiate profitable deals. With expert advice on financing, hiring strategies, lead generation, and sales processes, David shows entrepreneurs, including physicians, how to increase profitability and prepare for successful business transitions. Key Topics Covered: 1. Common Reasons for Selling Over the years, David has identified the most common reasons entrepreneurs choose to sell their businesses, providing valuable insight into the decision-making process. 2. Tips on Valuing a Business David breaks down the key factors that go into assessing a business’s worth, including financial health, market trends, and industry conditions, offering clarity for those looking to buy or sell. 3. The First Steps in Buying a Business For potential buyers, David outlines the crucial first steps to take when considering a business purchase, ensuring they start on the right track. 4. Opportunities and Risks During a Recession David discusses the pros and cons of buying businesses during economic downturns or distressed periods like COVID-19, highlighting key opportunities and risks. 5. Maximizing Sale Value David explains why most businesses sell for less than expected and offers practical tips for business owners to maximize their sale value and secure a better deal. 6. Increasing the Value of a Medical Practice David provides actionable advice on how physicians can make their practices more valuable, helping them prepare for a successful sale. Resources Mentioned: How To Sell My Own Business by David Barnett Join his list on: https://www.DavidCBarnettList.com David Barnett’s YouTube channel: https://www.youtube.com/channel/UCbR8hQfFxBI4Idh4Zw65yZQ David Barnett’s Website: https://www.DavidCBarnett.com Listener Takeaways: Learn how to assess a business’s value by considering financial health, market trends, and industry conditions. Discover practical tips to increase your business's sales value and secure a more profitable deal. Gain insights into the opportunities and risks of buying businesses during economic downturns, like recessions or a pandemic. Connect with Us: Host: Dr. Disha Spath, The Frugal Physician Guest: David Barnett, Small Business Follow us on Instagram, Facebook, and Twitter for updates on upcoming episodes. Thank you for tuning in! Be sure to share this episode with anyone navigating student loan repayment. This episode is sponsored by: PearsonRavitz – Helping physicians safeguard their most valuable assets. This episode is also sponsored by FacetWealth – Discover how Facet is transforming financial planning for physicians with personalized, flat-fee financial planning—visit facet.com/frugalphysician to start building your financial future today.…
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Finding Financial Freedom with The Frugal Physician - Finance, Wellness, Budget, Student Loans, Wealth, Doctor, Fitness, Money
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In this comprehensive episode of Finding Financial Freedom with The Frugal Physician, Dr. Disha Spath hosts Travis Hornsby, founder and CEO of Student Loan Planner, to explore the current landscape of student loans and repayment strategies for high-debt professionals. With over $800 million in student loans consulted on, Travis is an authority on loan repayment and shares crucial insights on navigating Public Service Loan Forgiveness (PSLF), recent policy changes, and strategies for repayment that every physician, professional, and student loan borrower needs to know. Discover how changes in student loan policies under the Trump, Obama, and Biden administrations have reshaped the repayment landscape and what potential policy shifts could mean for borrowers in the coming years. Travis also discusses methods to optimize PSLF eligibility, the pros and cons of refinancing, and the best strategies for long-term financial freedom despite student loan debt. Key Topics Covered: Travis Hornsby’s Journey & Student Loan Planner’s Mission Travis’s background in finance and bond trading at Vanguard, his journey to starting Student Loan Planner, and why he’s dedicated his career to helping borrowers navigate complex student loan systems. Public Service Loan Forgiveness (PSLF): From Inception to Transformation How PSLF has evolved since its inception in 2007, including challenges under the Trump administration and impactful changes introduced by President Biden. Changes in Income-Driven Repayment (IDR) Plans Overview of the original income-driven repayment options (PAYE, REPAYE, IBR, ICR) and how Biden’s new SAVE plan replaced REPAYE with enhanced interest subsidies. Potential Pitfalls & Common Mistakes in Repayment Plans How to avoid costly missteps when selecting a repayment plan, including considerations around PSLF qualification, income certification, and timing of tax filings. Navigating Political and Legal Challenges in Student Loan Policies Insights into current legal challenges to the SAVE plan and potential impacts of future policy changes on IDR options for physicians and other borrowers. Refinancing vs. Forgiveness Travis outlines when it’s beneficial to refinance your loans versus staying on a PSLF track, with practical advice for borrowers based on debt-to-income ratio and financial goals. Resources Mentioned: Student Loan Planner for calculators, tools, and professional consultations. Travis’s Books: Managing Your Money in Your Twenties and Thirties and 25 is the New 65: How to Retire Outrageously Early. Listener Takeaways: Gain a better understanding of student loan repayment plans and forgiveness options. Learn the strategies for managing student loans amidst political upheaval and legal challenges. Understand when refinancing makes sense versus sticking with PSLF or other forgiveness options. Connect with Us: Host: Dr. Disha Spath, The Frugal Physician Guest: Travis Hornsby, CFA, CFP, Student Loan Planner Follow us on Instagram, Facebook, and Twitter for updates on upcoming episodes. Thank you for tuning in! Be sure to share this episode with anyone navigating student loan repayment. This episode is sponsored by: PearsonRavitz – Helping physicians safeguard their most valuable assets. This episode is also sponsored by FacetWealth – Discover how Facet is transforming financial planning for physicians with personalized, flat-fee financial planning—visit facet.com/frugalphysician to start building your financial future today.…
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Finding Financial Freedom with The Frugal Physician - Finance, Wellness, Budget, Student Loans, Wealth, Doctor, Fitness, Money
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Hosted by: Dr. Disha Spath Guest: Sean Mullaney, Advice-Only Financial Planner and Author of The Solo 401k: The Solopreneur’s Retirement Account This episode is sponsored by PearsonRavitz – Helping physicians safeguard their most valuable assets. This episode is also sponsored by FacetWealth – Discover how Facet is transforming financial planning for physicians with personalized, flat-fee financial planning—visit facet.com/frugalphysician to start building your financial future today. Episode Highlights: Introduction: Dr. Disha Spath welcomes listeners back and introduces Sean Mullaney, President of Mullaney Financial and Tax Inc, a fee-only financial planner and tax advisor for self-employed individuals and small business owners. About Sean Mullaney: Sean shares his background, transitioning from a career in corporate tax planning to launching an advice-only financial planning firm. He discusses his award-winning blog, FITaxGuy.com, and his book The Solo 401k: The Solopreneur’s Retirement Account, which has become a valuable resource on tax planning for freelancers and independent contractors. Sean’s Financial Journey: Sean discusses his passion for personal financial planning and his motivation to help small business owners and entrepreneurs maximize their savings through tax-efficient retirement strategies. Understanding the Solo 401k: Sean explains the structure and benefits of the solo 401k for self-employed retirement planning, highlighting its differences from traditional 401ks and IRAs. This retirement option is designed for self-employed professionals, including “physicians with side gigs” and “freelancers,” offering flexibility in contributions and investment options. Combining W-2 Employment with Side Hustles: Sean offers strategies for combining a solo 401k with retirement planning for 1099 income when you have both W-2 earnings and independent contracting income, helping listeners maximize their retirement contributions. Alternatives to the Solo 401k: Sean reviews other self-employed retirement plans, including SEP IRAs, Simple IRAs, and Defined Benefit Plans, explaining the pros and cons of each option based on business income, structure, and goals. The Backdoor Roth IRA Strategy: Sean explains the solo 401k’s compatibility with the backdoor Roth IRA strategy for high-income earners, allowing listeners to bypass the pro-rata rule and make tax-free contributions without triggering extra tax burdens. Rollover Strategies for Former Employer 401ks: Sean provides retirement rollover options for managing a previous employer’s 401k. He explores the options of leaving it where it is, rolling it over to a traditional IRA, or moving it to a solo 401k, with insights on tax benefits, fees, and creditor protection. Future of Retirement Savings for Entrepreneurs: Sean shares his perspective on the trend toward Roth accounts, the tax outlook for retirees, and the impact of political dynamics on future retirement tax planning. Where to Find Sean Mullaney: Sean invites listeners to explore his blog, FITaxGuy.com, for insights on tax planning for financial independence and to check out his YouTube channel, featuring weekly personal finance videos for practical financial advice. Key Takeaways: Solo 401k Benefits for Self-Employed Individuals: Solo 401ks offer higher contribution limits, greater flexibility in investment choices, and significant tax advantages for self-employed professionals and side hustlers. Combining Retirement Accounts for Physicians and Entrepreneurs: Professionals with both W-2 income and 1099 earnings can leverage multiple retirement accounts to maximize tax-advantaged savings. Backdoor Roth IRA Advantages: A solo 401k allows high-income earners to implement a backdoor Roth IRA strategy while avoiding pro-rata rule issues, making it especially valuable for physicians with 1099 income. 401k Rollover Considerations for Solopreneurs: Carefully weigh rollover options for former employer 401ks, focusing on factors like fees, tax rules, and creditor protection. Recommended Resources: The Solo 401k: The Solopreneur’s Retirement Account by Sean Mullaney Sean’s blog: FITaxGuy.com – Covering “tax planning for financial independence” topics. Sean’s YouTube channel: Sean Mullaney Videos Thank you for tuning in to Finding Financial Freedom with The Frugal Physician! If you enjoyed this episode, please subscribe, rate, and share it with your colleagues. Stay frugal and financially free! The discussion is intended to be for general educational purposes and is not tax, legal, or investment advice for any individual. Disha and the Finding Financial Freedom with The Frugal Physician podcast do not endorse Sean Mullaney, Mullaney Financial & Tax, Inc. and their services. Guest appearances on the podcast do not constitute their endorsement of any sponsors of the Finding Financial Freedom with The Frugal Physician podcast.…
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Finding Financial Freedom with The Frugal Physician - Finance, Wellness, Budget, Student Loans, Wealth, Doctor, Fitness, Money
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In this episode of Finding Financial Freedom with The Frugal Physician, host Dr. Disha Spath sits down with Dr. Jordan Grumet, a distinguished physician and the creator of the award-winning Earn & Invest podcast. Together, they explore Dr. Grumet’s latest book, The Purpose Code, which provides an inspiring and practical guide for those seeking to lead a more meaningful life. Through thoughtful conversation, they delve into "purpose anxiety," the contrast between "big P" and "little p" purpose, and the relationship between financial independence and personal fulfillment. This episode is sponsored by PearsonRavitz – Helping physicians safeguard their most valuable assets. This episode is also sponsored by FacetWealth – Discover how Facet is transforming financial planning for physicians with personalized, flat-fee financial planning—visit facet.com/frugalphysician to start building your financial future today. Highlights and Key Takeaways: Defining Purpose Dr. Grumet introduces the concept of "big P" purpose—often associated with society's grand expectations, like achieving massive goals and material success—which can lead to disappointment and anxiety. Contrastingly, "little p" purpose emphasizes finding joy in everyday processes, focusing on personal agency, and cultivating happiness through meaningful, small actions. The Paradox of Purpose and Anxiety Studies show that while having a purpose is linked to longevity and happiness, up to 91% of people experience "purpose anxiety" at some point. Dr. Grumet discusses how societal pressures shape unrealistic expectations, creating a disconnect between achievable happiness and purpose. The Role of Purpose in Financial Independence (FI) Dr. Grumet reflects on the FIRE (Financial Independence, Retire Early) movement and how a rush toward financial goals can lead to dissatisfaction. He emphasizes that finances should support a purpose-driven life rather than serve as the ultimate goal. Building a Purposeful Financial Framework Dr. Grumet advises on the importance of aligning financial goals with purpose, allowing money to act as a tool that supports one’s personal "purpose anchors." Examples include pursuing passions alongside work and taking a "slow-FIRE" approach to financial freedom. Exploring Regrets and Legacy Dr. Grumet shares stories from his work in hospice, revealing how end-of-life reflections often center on missed opportunities for joy rather than financial accomplishments. He encourages listeners to identify and act on their unique purpose anchors, ensuring a legacy of personal impact rather than material wealth. Practical Exercises for Identifying Purpose Anchors Dr. Grumet offers practical advice on exploring and building purpose anchors, including exercises from The Purpose Code that help readers focus on the values and activities that bring them true joy. Final Thoughts on Purpose and Happiness Dr. Grumet concludes with a reminder that purpose should be abundant and anxiety-free. By focusing on what truly matters in life, we can find happiness in both the journey and the outcomes. Resources Mentioned: The Purpose Code by Dr. Jordan Grumet – Available January 2025 Earn & Invest Podcast – Hosted by Dr. Jordan Grumet Taking Stock by Dr. Jordan Grumet Quotes: “Purpose comes before money, and purpose is abundant. Embrace it; it’s supposed to be low-stakes and fulfilling.” – Dr. Jordan Grumet Connect with Us: Host: Dr. Disha Spath – The Frugal Physician Guest: Dr. Jordan Grumet – Earn & Invest Podcast Call to Action:If you enjoyed today’s episode, don’t forget to subscribe, share, and leave us a review. Join us next time as we continue exploring the intersection of finance, happiness, and purpose. Until then, stay purposeful and financially free! ----------- Please note: The content shared on the podcast is for informational purposes only and should not be considered individualized financial advice. It is essential to consult with professionals such as accountants, financial advisors, or attorneys to receive personalized guidance based on your specific needs.…
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