This week on A Life Well Lived: A Physician’s Guide to Wealth, James Nutter moves from intention to action by breaking down the real math behind your goals. After helping listeners clarify their values, money love languages, and long-term vision earlier in the Financial Wellness 101 series, James now shows you how to identify what your dream life costs—and how to fund it, one intentional step at a time.

He walks you through the process of calculating free cash flow, evaluating whether your current lifestyle aligns with your values, and reverse-engineering every big goal (from student loans to dream homes) into monthly, achievable targets. James explains how to set priorities, build momentum with early wins, and adjust your plan if the numbers don’t quite match your dreams yet.

This episode is equal parts mindset, math, and motivation—giving physicians a real roadmap for creating a life that feels aligned, intentional, and deeply meaningful.

• How to calculate your free cash flow—and why it’s the engine behind your goals
• How to reverse-engineer every major goal into a monthly target
• How to evaluate whether your current lifestyle aligns with your values
• How to identify what you want “more of” in your present life
• Ways to adjust your goals or lifestyle if the numbers don’t match
• The difference between dreaming and doing—and how to automate progress
• How visualization and accountability drive long-term success

Next Steps

📓 List your top three financial goals—include the dollar amount and timeline

💡 Calculate the monthly cost for each goal

🧭 Compare your free cash flow to your goals

🔄 Adjust: increase income, reduce expenses, or shift timelines if needed

🎯 Prioritize your top 3–5 “rocks”

🚀 Set early wins for the next 30 days

📆 Revisit your plan weekly or monthly

• Download the PSLF Hacks Checklist
• Book a free financial wellness session with James
• Get access to exclusive physician financial tools at www.imwealth.com
• 1% of IM Wealth’s revenue is dedicated to providing scholarship funds to medical students. Learn more about the Meaningful Journeys Scholarship and how you can join the fight here.
• Learn more about the impact IM Wealth is making in the lives of physicians here.
• Gain FREE immediate access to all of IM Wealth’s exclusive physician financial wellness resources here.

This isn’t just another finance podcast—it’s a movement. We’re challenging the status quo, cutting through the noise, and giving physicians real strategies to take control of their money and their future. 

Because true wealth isn’t just about numbers—it’s about freedom.

Find and follow the show on YouTube. 

James Nutter is on a mission to help physicians reclaim their financial power. With a deep understanding of the unique challenges doctors face, he provides real-world strategies that cut through the noise and lead to lasting financial freedom.

Follow James on Instagram. 

The opinions expressed in this podcast are for informational and educational purposes only and do not constitute financial, legal, or tax advice. Any financial decisions should be made in the context of your unique circumstances and in partnership with a trusted financial advisor who understands your personal plan.

A Physician’s Guide to Wealth Podcast — Brought to you by IM Wealth: Helping physicians take control of their money so they can live a purposeful life.

For more resources, visit IMWealth.com.

Advisory services offered through Commonwealth Financial Network®, a Registered Investment Adviser.

In this week’s episode of A Life Well Lived: A Physician’s Guide to Wealth, James Nutter continues the Financial Wellness 101 series, moving from “Vision” to action.

After exploring values and the seven-part meaningful goal-setting framework, James dives deeper into how to turn intentions into results. He unpacks how to prioritize what matters most, write goals that are specific and attainable, and set guardrails that keep you moving forward—even when motivation fades.

From the power of visualization and accountability to the importance of persistence and small, consistent wins, James gives physicians a roadmap for aligning their financial plans with the life they actually want to live.

This isn’t just theory—it’s a workshop. Grab your coffee, bring your spouse or partner, and follow along to design the next chapter of your financial wellness journey.

What You’ll Learn in This Episode

• The 7-step meaningful goal-setting framework in action
• How to create specific, measurable, attainable, realistic, and time-bound (SMART) goals
• The importance of prioritizing your top 3–5 “rocks” each quarter
• How to visualize success to stay motivated long-term
• Ways to use the 5-3-1 learning framework to master new financial habits
• How to turn small wins into lasting progress

Next Steps:

📓 Write down your top three goals for the next 12 months and share them with someone who will hold you accountable
💰 Identify the dollar amount and timeline for each goal—get specific
🧭 Rank them in priority order and focus on your top 3–5
🔄 Set “early wins” you can achieve within 30 days to build momentum
🎯 Revisit your plan weekly or monthly and make adjustments

• Download the PSLF Hacks Checklist
• Book a free financial wellness session with James
• Get access to exclusive physician financial tools at www.imwealth.com
• 1% of IM Wealth’s revenue is dedicated to providing scholarship funds to medical students. Learn more about the Meaningful Journeys Scholarship and how you can join the fight here.
• Learn more about the impact IM Wealth is making in the lives of physicians here.
• Gain FREE immediate access to all of IM Wealth’s exclusive physician financial wellness resources here.

This isn’t just another finance podcast—it’s a movement. We’re challenging the status quo, cutting through the noise, and giving physicians real strategies to take control of their money and their future. 

Because true wealth isn’t just about numbers—it’s about freedom.

Find and follow the show on YouTube. 

James Nutter is on a mission to help physicians reclaim their financial power. With a deep understanding of the unique challenges doctors face, he provides real-world strategies that cut through the noise and lead to lasting financial freedom.

Follow James on Instagram. 

The opinions expressed in this podcast are for informational and educational purposes only and do not constitute financial, legal, or tax advice. Any financial decisions should be made in the context of your unique circumstances and in partnership with a trusted financial advisor who understands your personal plan.

A Physician’s Guide to Wealth Podcast — Brought to you by IM Wealth: Helping physicians take control of their money so they can live a purposeful life.

For more resources, visit IMWealth.com.

Advisory services offered through Commonwealth Financial Network®, a Registered Investment Adviser.

In this week’s solo episode of A Life Well Lived: A Physician’s Guide to Wealth, James Nutter continues the Financial Wellness 101 series—helping you bridge the gap between planning and living.

After exploring your financial vitals, free cash flow, time audits, and values, today’s focus is on Vision 101: a seven-step goal-setting framework that connects your finances to what truly matters. James discusses how vision gives direction, courage, and confidence—offering guardrails to stay on track even when life throws a curveball.

Drawing from timeless wisdom, real-world coaching experience, and personal stories, James shows how to set meaningful, values-driven goals and stay persistent through accountability and visualization. He also challenges the “live like a resident” mindset, reminding listeners that true financial freedom means balancing future planning with present living.

This episode isn’t just about creating goals—it’s about crafting a life of intention, fulfillment, and freedom.

• Why vision and planning create freedom, not restriction
• How to align goals with your core values and money “love languages”
• The seven-part meaningful goal-setting process used by IM Wealth clients
• The role of visualization and accountability in achieving success
• Why persistence—and not perfection—is the key to momentum
• How to live intentionally now while still planning for the future

📘 Reflect on your core values and how they guide your financial decisions

🖊️ Write down your top three goals for the next 12 months—and share them with someone you trust

🧭 Identify potential obstacles that could derail your progress and how to prepare for them

💭 Visualize achieving your goals—what does it feel like? What changes in your life?

💪 Revisit your financial plan and ensure it supports both your future ambitions and your present joy.

• Download the PSLF Hacks Checklist
• Book a free financial wellness session with James
• Get access to exclusive physician financial tools at www.imwealth.com
• 1% of IM Wealth’s revenue is dedicated to providing scholarship funds to medical students. Learn more about the Meaningful Journeys Scholarship and how you can join the fight here.
• Learn more about the impact IM Wealth is making in the lives of physicians here.
• Gain FREE immediate access to all of IM Wealth’s exclusive physician financial wellness resources here.

This isn’t just another finance podcast—it’s a movement. We’re challenging the status quo, cutting through the noise, and giving physicians real strategies to take control of their money and their future. 

Because true wealth isn’t just about numbers—it’s about freedom.

Find and follow the show on YouTube. 

James Nutter is on a mission to help physicians reclaim their financial power. With a deep understanding of the unique challenges doctors face, he provides real-world strategies that cut through the noise and lead to lasting financial freedom.

Follow James on Instagram. 

The opinions expressed in this podcast are for informational and educational purposes only and do not constitute financial, legal, or tax advice. Any financial decisions should be made in the context of your unique circumstances and in partnership with a trusted financial advisor who understands your personal plan.

A Physician’s Guide to Wealth Podcast — Brought to you by IM Wealth: Helping physicians take control of their money so they can live a purposeful life.

For more resources, visit IMWealth.com.

Advisory services offered through Commonwealth Financial Network®, a Registered Investment Adviser.

In this week’s episode of A Life Well Lived: A Physician’s Guide to Wealth, James welcomes Zoe Taylor, a nationally recognized realtor and founder of _Moving Medicine Partners_—a nationwide network of 83 realtors who are all married to physicians and uniquely understand the challenges of relocating for medical careers.

Zoe shares hard-earned insights on the biggest mistakes physicians make when buying a home, how to know when it’s truly time to buy or sell, and what to expect from the 2026 housing market. Together, they explore the realities of physician loans, delayed gratification, and how comparison culture on social media leads many to overbuy.

This conversation is part real estate playbook, part mindset reset. You’ll walk away knowing how to plan smarter, build equity intentionally, and protect your financial freedom—without burning out in the process.

• The top financial mistakes physicians make when buying a home
• How to know if now is the right time to buy, sell, or wait
• What to understand about physician loans vs. conventional loans
• How lifestyle creep and “Pinterest-perfect” homes derail long-term goals
• Why renting isn’t always “throwing money away”
• The truth about “passive” real estate investing
• How Zoe balances business, motherhood, and wellness through mindful living

🏡 Evaluate whether your current housing fits your 1-, 5-, and 10-year life plans

💰 Talk to multiple lenders before choosing a physician loan

📈 Reassess your buying power based on overall financial goals—not emotions

📋 Connect with a financial advisor to plan your next real estate move

☕ Start your day with intention—quiet time, coffee, or journaling—to stay grounded amid career chaos

Zoe Taylor is the founder of Moving Medicine Partners, a nationwide network of realtors who specialize in helping physicians and their families buy, sell, and relocate with ease. Based in St. Louis, Zoe blends years of medical office management experience with her passion for real estate to help doctors make confident, informed decisions. She’s helped hundreds of medical professionals align their home purchases with their careers, finances, and lifestyle goals.

🔗 Learn more: movingmedicinepartners.com

• Download the PSLF Hacks Checklist
• Book a free financial wellness session with James
• Get access to exclusive physician financial tools at www.imwealth.com
• 1% of IM Wealth’s revenue is dedicated to providing scholarship funds to medical students. Learn more about the Meaningful Journeys Scholarship and how you can join the fight here.
• Learn more about the impact IM Wealth is making in the lives of physicians here.
• Gain FREE immediate access to all of IM Wealth’s exclusive physician financial wellness resources here.

This isn’t just another finance podcast—it’s a movement. We’re challenging the status quo, cutting through the noise, and giving physicians real strategies to take control of their money and their future. 

Because true wealth isn’t just about numbers—it’s about freedom.

Find and follow the show on YouTube.

A Physician’s Guide to Wealth Podcast — Brought to you by IM Wealth: Helping physicians take control of their money so they can live a purposeful life.

For more resources, visit IMWealth.com.

Advisory services offered through Commonwealth Financial Network®, a Registered Investment Adviser.

In this week’s episode of A Life Well Lived: A Physician’s Guide to Wealth, James Nutter shares a powerful mindset shift: time—not money—is your most valuable asset.

Drawing from his own annual “Time Audit” ritual, James explains how to review your past year to uncover what truly matters. He breaks down the process step by step—from reviewing photos and calendars to identifying the people, habits, and commitments that either drain or enrich your life.

You’ll learn how to leave behind what no longer serves you, double down on what fuels you, and build a more intentional, joy-filled life and career. Whether you’re burned out, overscheduled, or simply ready to feel lighter and more aligned, this episode offers a playbook to buy back your time—one thoughtful choice at a time.

• Why time is the most valuable, non-renewable asset
• How to perform your own annual “Time Audit”
• Ways to identify what brings ROI—Return on Joy
• How to say no to energy-draining people and commitments
• Why busy physicians often trade joy for obligation—and how to stop
• Simple steps to create space for what matters most
• How to shift from “time scarcity” to intentional living

• 🗓Schedule your own Time Audit — block off 3–5 hours in the next 30–60 days.
• ☕️ Go off the grid — pick a quiet coffee shop or space where you won’t be interrupted.
• 📸Review your year — look through your photos, calendar, and notes week by week.
• ✍️Make two lists: what to leave behind and what to bring forward.
• 💡Celebrate your “ROJ” moments — Return on Joy experiences that made the year meaningful.
• 🔁Repeat annually — the more you do this, the clearer and lighter life becomes.

• Download the PSLF Hacks Checklist
• Book a free financial wellness session with James
• Get access to exclusive physician financial tools at www.imwealth.com
• 1% of IM Wealth’s revenue is dedicated to providing scholarship funds to medical students. Learn more about the Meaningful Journeys Scholarship and how you can join the fight here.
• Learn more about the impact IM Wealth is making in the lives of physicians here.
• Gain FREE immediate access to all of IM Wealth’s exclusive physician financial wellness resources here.

This isn’t just another finance podcast—it’s a movement. We’re challenging the status quo, cutting through the noise, and giving physicians real strategies to take control of their money and their future. 

Because true wealth isn’t just about numbers—it’s about freedom.

Find and follow the show on YouTube. 

James Nutter is on a mission to help physicians reclaim their financial power. With a deep understanding of the unique challenges doctors face, he provides real-world strategies that cut through the noise and lead to lasting financial freedom.

Follow James on Instagram. 

The opinions expressed in this podcast are for informational and educational purposes only and do not constitute financial, legal, or tax advice. Any financial decisions should be made in the context of your unique circumstances and in partnership with a trusted financial advisor who understands your personal plan.

A Physician’s Guide to Wealth Podcast — Brought to you by IM Wealth: Helping physicians take control of their money so they can live a purposeful life.

For more resources, visit IMWealth.com.

Advisory services offered through Commonwealth Financial Network®, a Registered Investment Adviser.

In this week’s episode of A Life Well Lived: A Physician’s Guide to Wealth, James continues the “Your Health Is Your Wealth” series with guest Chad Volant, founder of Strength Rx and long-time performance coach helping busy professionals and physicians build strength, mobility, and longevity.

Chad’s philosophy is simple yet powerful: movement is medicine. Through practical stories and science-backed insights, he shares how strength training protects bone health, supports metabolism, improves cognitive function, and even combats burnout. Together, James and Chad dive into why muscle mass is one of the strongest predictors of longevity and how to train efficiently—even with limited time.

Whether you’re a physician logging 70-hour weeks or simply want to move and feel better 10, 20, or 30 years from now, this episode offers a playbook for staying strong, resilient, and pain-free for life.

• Why muscle mass is one of the strongest predictors of longevity
   
• How to build strength, mobility, and resilience at any age
   
• The difference between training hard and training smart
   
• What “being an intuitive exerciser” really means
   
• Why physicians are often overly conservative in the gym—and how to change that
   
• How to avoid burnout by balancing movement, recovery, and stress
   
• Practical weekly templates for VO₂ max and strength training
   
• How to train for power, heart health, and long-term independence
   

• 🏋️‍♀️ Re-evaluate your current routine—are you training for longevity or exhaustion?
   
• 🧠 Try Chad’s “A-B-C Day” method: match your workout intensity to your energy and stress levels.
   
• 💪 Commit to two to three strength sessions per week focused on fundamental movements.
   
• 🚴‍♂️ Add a VO₂ max workout or two this week to build cardiovascular endurance.
   
• 🍎 Stock convenient, high-protein snacks to fuel your busy schedule.
  
   

Chad Volant is the founder of Strength Rx, a premier performance gym in Traverse City, Michigan. A nationally recognized performance coach with over a decade of experience, Chad helps professionals and physicians move pain-free, build lasting strength, and train for longevity through his core philosophy that movement is medicine.

Connect with Chad Volant

Explore Strength Rx Programs and Coaching
Learn how Chad and his team help busy professionals build sustainable strength and mobility. 👉 www.strengthrxgym.com 

Follow Strength Rx on Instagram
Get daily training tips, longevity strategies, and behind-the-scenes looks inside the gym.
👉 @strengthrxgym 

• Download the PSLF Hacks Checklist
• Book a free financial wellness session with James
• Get access to exclusive physician financial tools at www.imwealth.com
• 1% of IM Wealth’s revenue is dedicated to providing scholarship funds to medical students. Learn more about the Meaningful Journeys Scholarship and how you can join the fight here.
• Learn more about the impact IM Wealth is making in the lives of physicians here.
• Gain FREE immediate access to all of IM Wealth’s exclusive physician financial wellness resources here.

This isn’t just another finance podcast—it’s a movement. We’re challenging the status quo, cutting through the noise, and giving physicians real strategies to take control of their money and their future. 

Because true wealth isn’t just about numbers—it’s about freedom.

Find and follow the show on YouTube. 

James Nutter is on a mission to help physicians reclaim their financial power. With a deep understanding of the unique challenges doctors face, he provides real-world strategies that cut through the noise and lead to lasting financial freedom.

Follow James on Instagram. 

The opinions expressed in this podcast are for informational and educational purposes only and do not constitute financial, legal, or tax advice. Any financial decisions should be made in the context of your unique circumstances and in partnership with a trusted financial advisor who understands your personal plan.

A Physician’s Guide to Wealth Podcast — Brought to you by IM Wealth: Helping physicians take control of their money so they can live a purposeful life.

For more resources, visit IMWealth.com.

Advisory services offered through Commonwealth Financial Network®, a Registered Investment Adviser.

In this week’s episode of Life Well Lived: A Physician’s Guide to Wealth, James continues the Financial Wellness 101 Series by helping listeners “begin with a life well lived in mind.”

James challenges physicians to reverse the traditional order of achievement—no longer building a life around work, but crafting a career that supports their ideal lifestyle. Through a series of powerful reflection prompts, he guides you to identify your core identity, purpose, and vision, then evaluate whether your time and money truly reflect what you value most.

This episode isn’t about spreadsheets or budgets—it’s about alignment. By combining the principles of financial planning with personal growth, James shows how creating a clear life plan first can unlock freedom, purpose, and lasting fulfillment.

• How to build your life plan before your career plan
• Questions to uncover your core identity and life purpose
• How to align time and money with your deepest values
• Ways to assess whether your financial habits reflect what you care about most
• How to design a career that supports your ideal lifestyle
• Practical steps to create “off-the-grid” moments that recharge you
• Why burnout is often a sign of misalignment between values and reality

• ✍️ Set aside 30 minutes to complete the “Life Well Lived” reflection questions shared in this episode
   
• 💰 Revisit your Circulatory Cash Flow System from the Financial Wellness 101 series to adjust your spending around your lifestyle goals
   
• 🗓 Add one lifestyle-aligned commitment to your calendar this week—whether it’s a date night, family dinner, or time to recharge
  
   

• Download the PSLF Hacks Checklist
• Book a free financial wellness session with James
• Get access to exclusive physician financial tools at www.imwealth.com
• 1% of IM Wealth’s revenue is dedicated to providing scholarship funds to medical students. Learn more about the Meaningful Journeys Scholarship and how you can join the fight here.
• Learn more about the impact IM Wealth is making in the lives of physicians here.
• Gain FREE immediate access to all of IM Wealth’s exclusive physician financial wellness resources here.

This isn’t just another finance podcast—it’s a movement. We’re challenging the status quo, cutting through the noise, and giving physicians real strategies to take control of their money and their future. 

Because true wealth isn’t just about numbers—it’s about freedom.

Find and follow the show on YouTube. 

James Nutter is on a mission to help physicians reclaim their financial power. With a deep understanding of the unique challenges doctors face, he provides real-world strategies that cut through the noise and lead to lasting financial freedom.

Follow James on Instagram. 

The opinions expressed in this podcast are for informational and educational purposes only and do not constitute financial, legal, or tax advice. Any financial decisions should be made in the context of your unique circumstances and in partnership with a trusted financial advisor who understands your personal plan.

A Physician’s Guide to Wealth Podcast — Brought to you by IM Wealth: Helping physicians take control of their money so they can live a purposeful life.

For more resources, visit IMWealth.com.

Advisory services offered through Commonwealth Financial Network®, a Registered Investment Adviser.

In this installment of Life Well Lived: A Physician’s Guide to Wealth, James Nutter welcomes Dr. Sarah Samaan, a recently retired cardiologist who now coaches physicians in career transitions, time management, and mindfulness.

Dr. Samaan shares her journey from decades in cardiology to becoming a physician development coach—drawing on her yoga practice, personal mission work, and equestrian pursuits. Together, James and Sarah unpack how values and mindfulness not only make physicians better caregivers but also help them design meaningful lives outside of clinical practice.

Listeners will discover how to recognize the signs of burnout, why personal values must guide goal setting, and how creating a personal mission statement can act as a physician’s “North Star.” Sarah offers practical tools—like time blocking, task batching, and mindful pauses—that physicians can apply immediately to reclaim clarity and peace.

This episode is both a conversation and a call to action for doctors ready to reconnect with themselves, rediscover their passions, and chart a purposeful path forward.

• How mindfulness and yoga translate into stronger patient care and physician presence
• The three components of burnout (and why depersonalization is on the rise)
• Why core values should come before setting goals
• How to craft a personal mission statement to guide decisions
• Practical strategies for managing time, attention, and boundaries
• Why “saying no” is often the most important act of self-care
• Small experiments that can reignite passion and create new opportunities

Dr. Sarah Samaan, MD, FACC is a retired cardiologist, bestselling author, and Master Certified Physician Development Coach. After nearly three decades leading cardiology departments and caring for thousands of patients, she now helps physicians navigate transitions, prevent burnout, and rediscover purpose through values-based coaching. A registered yoga teacher and mindfulness coach, Dr. Samaan blends mind–body practices with practical time management strategies. She is the author of The Smart Woman’s Guide to Heart Health and DASH Diet for Dummies, serves as a peer coach with Vital WorkLife, and is pursuing her MFA in photography.

 

• 🌐 Download Dr. Samaan’s free Values Workbook at MindfulPhysicianCoaching.com
• 📅 Book a free 30-minute consult with Dr. Samaan to explore physician coaching
• ✍ Start your own personal mission statement using the reflection questions shared in this episode
  
   

• Download the PSLF Hacks Checklist
• Book a free financial wellness session with James
• Get access to exclusive physician financial tools at www.imwealth.com
• 1% of IM Wealth’s revenue is dedicated to providing scholarship funds to medical students. Learn more about the Meaningful Journeys Scholarship and how you can join the fight here.
• Learn more about the impact IM Wealth is making in the lives of physicians here.
• Gain FREE immediate access to all of IM Wealth’s exclusive physician financial wellness resources here.

This isn’t just another finance podcast—it’s a movement. We’re challenging the status quo, cutting through the noise, and giving physicians real strategies to take control of their money and their future. 

Because true wealth isn’t just about numbers—it’s about freedom.

Find and follow the show on YouTube. 

James Nutter is on a mission to help physicians reclaim their financial power. With a deep understanding of the unique challenges doctors face, he provides real-world strategies that cut through the noise and lead to lasting financial freedom.

Follow James on Instagram. 

The opinions expressed in this podcast are for informational and educational purposes only and do not constitute financial, legal, or tax advice. Any financial decisions should be made in the context of your unique circumstances and in partnership with a trusted financial advisor who understands your personal plan.

A Physician’s Guide to Wealth Podcast — Brought to you by IM Wealth: Helping physicians take control of their money so they can live a purposeful life.

For more resources, visit IMWealth.com.

Advisory services offered through Commonwealth Financial Network®, a Registered Investment Adviser.

In this installment of Life Well Lived: A Physician’s Guide to Wealth, host James Nutter (fiduciary financial advisor and partner at IM Wealth) continues the Financial Wellness 101 series by tackling one of the hardest parts of personal finance: making decisions when there isn’t a clear “right” answer.

Drawing on lessons from Darren Hardy’s Hero’s Journey leadership program, wisdom from Jeff Bezos, and even insights from LeBron James, James reveals why traditional advice like “live like a resident” often misses the mark—and how physicians can instead lean into their core values to guide financial choices.

Listeners will learn:

• Why “cookie-cutter” financial advice can leave doctors unfulfilled
• How gut instincts, core values, and decision frameworks intersect
• Jeff Bezos’ four principles for high-velocity decision making
• A five-step framework for making tough financial calls without regret
• Why alignment between your inner values and outer actions is the true foundation of financial wellness

Packed with relatable stories (including James’ own missteps), practical strategies, and mindset shifts, this episode equips physicians to stop second-guessing, escape decision paralysis, and start living—and spending—in alignment with what truly matters.

• How to distinguish between Type 1 (irreversible) and Type 2 (reversible) decisions
• Why 70% of the data is often “enough” to act
• The role of your gut in decision making—and why ignoring it causes inner conflict
• The five-step decision framework rooted in values and strengths
• Why speed matters more than perfection in financial and life choices

• 📅 Schedule a free financial wellness session with James at IM Wealth
• 🩺 Join IM Wealth’s waiting list for a complimentary diagnostic
• ✍️ Download the Tough Decisions Checklist (coming soon!)

• Download the PSLF Hacks Checklist
• Book a free financial wellness session with James
• Get access to exclusive physician financial tools at www.imwealth.com
• 1% of IM Wealth’s revenue is dedicated to providing scholarship funds to medical students. Learn more about the Meaningful Journeys Scholarship and how you can join the fight here.
• Learn more about the impact IM Wealth is making in the lives of physicians here.
• Gain FREE immediate access to all of IM Wealth’s exclusive physician financial wellness resources here.

This isn’t just another finance podcast—it’s a movement. We’re challenging the status quo, cutting through the noise, and giving physicians real strategies to take control of their money and their future. 

Because true wealth isn’t just about numbers—it’s about freedom.

Find and follow the show on YouTube. 

James Nutter is on a mission to help physicians reclaim their financial power. With a deep understanding of the unique challenges doctors face, he provides real-world strategies that cut through the noise and lead to lasting financial freedom.

Follow James on Instagram

A Physician’s Guide to Wealth Podcast — Brought to you by IM Wealth: Helping physicians take control of their money so they can live a purposeful life.

For more resources, visit IMWealth.com.

Advisory services offered through Commonwealth Financial Network®, a Registered Investment Adviser.

In this masterclass-style episode of Life Well Lived: A Physician’s Guide to Wealth, host James Nutter (fiduciary financial advisor and partner at IM Wealth) is joined by Andrew Paulson, co-founder of StudentLoanAdvice.com and a nationally recognized student loan consultant affiliated with White Coat Investor.

Together with James and co-host Jeff McPherson, CFP®, Andrew breaks down the latest physician-specific student loan updates, including:

• How the SAVE plan changed again in 2025—and what it means for your monthly payments
• The real implications of the One Big Beautiful Bill Act (OBBBA)
• PSLF updates: more accessible, or more fragile?
• How to decide if refinancing is right for you—or a costly mistake
• The roadmap to cleaning up your repayment strategy, no matter where you’re starting

With 130+ physicians registered for the live masterclass, this conversation reflects the most pressing questions in the physician community—like what to do if you’re stuck in limbo, how buyback might work, and what strategies actually provide clarity in a confusing system.

Whether you’re in training, mid-contract, or years into repayment, this episode gives you the playbook to avoid six-figure mistakes and move toward true financial freedom.

• Why most doctors feel “behind” on student loans—and how to change that mindset
• The latest rules on PSLF, SAVE, and OBBBA (One Big Beautiful Bill Act)
• Common mistakes that delay or derail forgiveness (and how to avoid them)
• The decision tree for refinancing vs. forgiveness
• Practical tax and repayment strategies for physicians at different stages

Andrew Paulson, CSLP® is the co-founder of StudentLoanAdvice.com and principal consultant affiliated with White Coat Investor. He has advised on over $1 billion in student loan debt for more than 2,900 doctors, dentists, and high-income professionals. His passion for student loan planning began with his wife’s nursing school debt, and today he helps physicians nationwide make smarter, clearer financial decisions.

When he’s not coaching doctors through repayment strategies, Andrew can be found golfing, skiing, mountain biking, or spending time with his wife and three kids under five. He’s also a self-proclaimed “wannabe triathlete.”

• 📅 Schedule a 1:1 with Andrew at StudentLoanAdvice.com
• 🩺 Join IM Wealth’s waiting list for a free financial wellness diagnostic

• Download the PSLF Hacks Checklist
• Book a free financial wellness session with James
• Get access to exclusive physician financial tools at www.imwealth.com
• 1% of IM Wealth’s revenue is dedicated to providing scholarship funds to medical students. Learn more about the Meaningful Journeys Scholarship and how you can join the fight here.
• Learn more about the impact IM Wealth is making in the lives of physicians here.
• Gain FREE immediate access to all of IM Wealth’s exclusive physician financial wellness resources here.

This isn’t just another finance podcast—it’s a movement. We’re challenging the status quo, cutting through the noise, and giving physicians real strategies to take control of their money and their future. 

Because true wealth isn’t just about numbers—it’s about freedom.

Find and follow the show on YouTube. 

James Nutter is on a mission to help physicians reclaim their financial power. With a deep understanding of the unique challenges doctors face, he provides real-world strategies that cut through the noise and lead to lasting financial freedom.

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Jeff McPherson, CFP® is the founder of IM Wealth and a seasoned financial planner who has dedicated his career to helping physicians gain clarity and control over their money. With years of experience guiding high-income professionals, Jeff is known for simplifying complex financial decisions and teaching practical strategies that empower doctors to achieve long-term freedom. As a mentor and educator, he has helped shape IM Wealth’s physician-first approach, blending technical expertise with a deep understanding of the unique pressures physicians face.

The opinions expressed in this podcast are for informational and educational purposes only and do not constitute financial, legal, or tax advice. Any financial decisions should be made in the context of your unique circumstances and in partnership with a trusted financial advisor who understands your personal plan.

A Physician’s Guide to Wealth Podcast — Brought to you by IM Wealth: Helping physicians take control of their money so they can live a purposeful life.

For more resources, visit IMWealth.com.

Advisory services offered through Commonwealth Financial Network®, a Registered Investment Adviser.