I encourage you to reach out to me at [email protected] with any questions, concerns, or suggestions!

For a free copy of The Medical Marriage Survival Guide: An Instruction Manual For Physicians in Love E-book/Workbook, visit https://library.medicinemarriageandmoney.com/waitlist and I will send it to you!

If you spent less time arguing with your spouse, what would your life look like? → sign up to find out at https://www.medicinemarriageandmoney.com and click “I AM READY” for a free 45-minute coaching consult! Let me coach you! I can show you what is possible.

 

WHAT YOU WILL DISCOVER

 

Travel: 

• How she uses travel hacks to travel affordably
• Hopper, Google ITA, Rewards programs, Chase Rewards without building a balance, NextVacay, 

 

Marriage: 

• Meeting her future hubby when she was not ready!
• How they play as a “Good guy/Bad Guy” team in real estate
• How they invest in their marriage
• Once a month budget dates with Josh

 

Money:

• The drastic change from wealthy with servants to having nothing and helping pay the bills at age 14
• From growing up with servants and attending a private school to section eight housing and free school lunches
• How “Tiger Mom” teaches her children the value of money

 

Culture:

• How her childhood in India differed from her childhood in the States
• Why Disha and her mother left India after her father died
• Why Disha transformed her traditional Indian money mindset during her second maternity leave

 

TAKE HOME POINTS FROM DR DISHA SPATH

1. If you are in consumer debt, use the debt snowball principle to climb out of debt and learn how to manage money without being too overwhelmed. Paying off the smallest bill can provide motivation and build up momentum to keep going. 
2. Cut down the fixed costs (phone plans-switching carriers, cancel unused subscriptions, change grocery stores-from Expensive to Aldi & Walmart, downsize from a big house to renting a smaller place, moving closer to grandparents to help with childcare costs. 
3. Raise your children without a silver spoon to teach them to know the importance of money and better equip them to be independent later in life.  
4. Paying off student loans may or may not be your best financial decision. Although this was the right decision for her, she emphasizes that this is not a one size fits all answer. You have to look at your unique circumstances. Do you work for a public or private institution? What is your debt to income ratio? How do you feel about debt? Is it causing you anxiety or fear?

WALK AWAY ASKING YOURSELF

• How can I find the balance between being frugal and indulging in the good things
• Do I ever find myself stuck in a scarcity mindset?
• How can I travel in style on a budget?
• Do I expect my spouse to take care of all the financials because of a cultural upbringing? If so, how is this serving me?
• When I want to save money, how can I focus on fixed costs?

 

FEATURED ON THIS SHOW

• Website: thefrugalphysician.com 
• Facebook: The Frugal Physician
• Instagram: @thefrugalphysician 
• Twitter: @thefrugalphysician
• Pinterest: @thefrugalphysician

 

*This podcast is a member of the Doctor Podcast Network

SPONSOR: Physician Financial Services at doctorpodcastnetwork.com/larrykeller