Docs Outside The Box

By Dr. Nii Darko

Hosts Dr. Nii (Ghanaian) and Dr. Renee (Haitian) are first-generation physicians who paid off $662,000 in student loans in 3 years - while figuring out contracts, career moves, and money management

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The podcast currently has 711 episodes available.

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Number 1: We Were Paying Off $700K in Student Loans. And Doing IVF at the Same Time. #480
SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show! We got married in our thirties. Started IVF in the middle of paying off $700,000 in student loan debt. And Nii was working locums shifts several states away — the very thing funding our fertility journey was also making it harder. This is the episode we've never been able to fully tell. Until now. You'll hear: → Why we got married later — and what that cost us biologically → The rule we made when paying off debt (and how it complicated everything) → IVF at $25,000 per round with no insurance coverage in Pennsylvania → How locums income was our financial lifeline — and our biggest complication → The appointments Renee attended alone while Nii was on the road → What the IVF doctor said when Renee ovulated through her medications (and where Nii was) → Multiple rounds. None of them worked. → How our boys came naturally — and the joke we make about their 529s → 3 practical tips for physician couples navigating debt and fertility simultaneously TEXT US: Have you ever had to choose between your financial goals and starting your family? Tell us your story. 1-833-230-2860 We read every message. 3 PRACTICAL TIPS FROM THIS EPISODE: 1. Know your state's IVF insurance laws before you choose where to live or work. Some states mandate insurance coverage for IVF (NJ, NY, MA, IL, and others). Pennsylvania did not cover us at the time. This is a factor worth researching — especially if you're in your thirties or planning to start a family. 2. Have the fertility conversation with your partner before you need it. Don't wait until you're in the middle of debt payoff to find out you need IVF. Talk to a reproductive specialist early. Get your baseline numbers. If you're a woman in medicine who wants children — consider freezing your eggs earlier rather than later. 3. Build your financial plan around your whole life — not just your debt. Your financial plan needs to account for more than the numbers. Build in the fertility timeline. Build in the family goals. Build in the geographic constraints. And if locums is part of your debt payoff plan — decide how far is too far before you take the assignments. Not after. Find us on YouTube: www.youtube.com/@docsoutsidetheboxpodcast RESOURCES MENTIONED IN THIS EPISODE: Locumstory.com - a free resource with unbiased information about locum tenens opportunities, real physician stories, and practical guidance to help you make informed decisions about your career. Check them out at https://dotb.s.gy/Pod Resolve Website - https://resolve.org/ FREE DOWNLOAD: Download the First-Gen Doctor Blueprint — everything we wish someone had told us about finances, career planning, and building a life in medicine. Visit: https://darkos.lpages.co/first-gen-physicians/ Have a question for us?Send us a Voice Message: https://www.speakpipe.com/docsoutsidethebox Text us: 833-230-2860DM us on Instagram: @docsoutsidetheboxEmail: [email protected] ABOUT DOCS OUTSIDE THE BOX: Dr. Nii is a General Surgeon. Dr. Renee is an OB/GYN. We are first-generation Ghanaian and Haitian physicians who paid off $662,000 in student loan debt in 3 years, built a locum tenens agency, and navigated every major medical career decision without a family blueprint. We created this podcast for first-generation doctors — physicians who are the first in their families and lack the inherited knowledge about money, contracts, career strategy, and the unwritten rules of medicine that many of their colleagues learned growing up. Real conversations for first-gen doctors. Website: https://drniidarko.com/ DISCLAIMER: Dr. Nii and Dr. Renee are physicians, not financial advisors or attorneys. Content shared in this podcast reflects personal experience and should not be considered financial, legal, or medical advice. Please consult qualified professionals before making financial or career decisions. © 2026 Docs Outside the Box. All rights reserved.
July 30, 202652min
Number 2: 2 Docs No Nanny. #479
SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show! Nearly 50,000 people watched our co-parenting reel and asked the same question: "Why don't you just get a nanny?" People expected us to have full-time help. We don't. Not because we can't afford it. Because we made a different choice. In this episode, Nii and Renee pull back the curtain on the real systems, the real schedule, and the real financial trade-offs behind running a two-physician household with two boys — without a nanny. You’ll hear: → Why Renee refuses to hire a nanny (4 specific reasons) → The Sunday Night Meeting — how we plan every week before it starts → The Primary Parent Rule — the core rule that keeps our household from falling apart → Our calendar system — how Nii builds his locums schedule around Renee's call → The Date Night Rule — the one non-negotiable that protects our marriage → Why our boys know the plan (and why it matters) → The REAL financial cost of this choice (Forbes data + our honest numbers) → Our one-income philosophy — if we can't build wealth on one physician income, we're doing it wrong → What we sacrifice. What we refuse to sacrifice. If you're a first-generation doctor in your family, this is your community. Find us on YouTube: www.youtube.com/@docsoutsidetheboxpodcast RESOURCES MENTIONED IN THIS EPISODE: Locumstory. Learn how locum tenens helps doctors make more and have the lifestyle they deserve!. Check them out HERE! Forbes article - https://www.forbes.com/sites/christinecarter/2025/02/11/motherhoods-price-tag-the-financial-reality-of-working-vs-leaving/ FREE DOWNLOAD: Download the First-Gen Doctor Blueprint — everything we wish someone had told us about finances, career planning, and building a life in medicine. Visit: https://darkos.lpages.co/first-gen-physicians/ Have a question for the podcast?Send us a Voice Message: https://www.speakpipe.com/docsoutsidethebox Text us: 833-230-2860DM us on Instagram: @docsoutsidetheboxEmail: [email protected] ABOUT DOCS OUTSIDE THE BOX: Dr. Nii is a General Surgeon. Dr. Renee is an OB/GYN. We are first-generation Ghanaian and Haitian physicians who paid off $662,000 in student loan debt in 3 years, built a locum tenens agency, and navigated every major medical career decision without a family blueprint. We created this podcast for first-generation doctors — physicians who are the first in their families and lack the inherited knowledge about money, contracts, career strategy, and the unwritten rules of medicine that many of their colleagues learned growing up. Real conversations for first-gen doctors. DISCLAIMER: Dr. Nii and Dr. Renee are physicians, not financial advisors or attorneys. Content shared in this podcast reflects personal experience and should not be considered financial, legal, or medical advice. Please consult qualified professionals before making financial or career decisions. © 2026 Docs Outside the Box. All rights reserved.
July 14, 202647min
Number 3: Is 40 Too Old For Med School? Here's The Truth. #476
SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show! Two first-gen doctors answer your real questions: How to open a business bank account, and whether starting Medical school at 40 is still possible. This week's Q&A covers two questions that represent completely different stages of the first-gen doctor journey: a neurology resident finishing training and building her business, and a 40-year-old premed, wondering if the dream of becoming a doctor is still possible. THIS WEEK'S QUESTIONS: QUESTION 1 — From Mouna (Neurology Resident): "I just created my LLC to do locum work, and I'm looking into opening a business bank account. Do you recommend a traditional bank versus newer online banks? Some of the online options have built-in bookkeeping tools — do you have experience or a preference?" QUESTION 2 — From YouTube Comments: "I am 40, coming from a career as a psychotherapist, married with children, with a mortgage, and $135K in student loan debt. I'm considering general surgery, psychiatry, neurology, internal medicine, and family medicine. I'm taking one class at a time and targeting 2030 for application. Any advice?" SUBMIT YOUR QUESTION FOR NEXT WEEK: We do Q&A episodes every week and we read every question submitted. Here is how to reach us: 📱 Text us: 833-230-2860 📸 DM us on Instagram: @docsoutsidethebox 💬 YouTube comments: www.youtube.com/@docsoutsidetheboxpodcast 📧 Email: [email protected] Your question could be answered in next week's episode. RESOURCES MENTIONED: Business Banking: - Relay: relayfi.com - Found: found.com - Novo: novo.co Disability Insurance (mentioned by Mouna): - Set for Life: setforlifeinsurance.com Student Loans and Financial Aid: - Federal Student Aid Loan Simulator: studentaid.gov/loan-simulator - Income-Driven Repayment: studentaid.gov Non-Traditional Medical Students: - AAMC Non-Traditional Resources: students-residents.aamc.org ABOUT DOCS OUTSIDE THE BOX: Dr. Nii is a General Surgeon. Dr. Renee is an OB/GYN. We are first-generation Ghanaian and Haitian physicians who paid off $662,000 in student loan debt in 3 years, built a locum tenens agency, and navigated every major medical career decision without a family blueprint. We created this podcast for first-generation doctors — physicians who are the first in their families and lack the inherited knowledge about money, contracts, career strategy, and the unwritten rules of medicine that many of their colleagues learned growing up. New Q&A episodes every week. Real questions from real first-gen doctors. Find us everywhere: - YouTube: www.youtube.com/@docsoutsidetheboxpodcast - Instagram: @docsoutsidethebox - Website: https://drniidarko.com/ DISCLAIMER: Dr. Nii and Dr. Renee are physicians, not financial advisors or attorneys. Content shared in this podcast reflects personal experience and should not be considered financial, legal, or medical advice. Please consult qualified professionals before making financial or career decisions.
February 23, 202655min
Number 4: Q&A Locums And Life Between U.S.A & Ghana With $478K Debt. #472 Part3
SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show! Send us a Voice Message - https://www.speakpipe.com/docsoutsidethebox Have a question for the podcast? Text us at 833-230-2860 We help a graduating resident weigh a bold plan of using locums to pay down $478k in student loans while planning a sustainable U.S.–Ghana travel rhythm. If you’re a physician considering locums, global living, or a career design that puts family and culture first, this conversation gives you a clear, workable path forward. FREE DOWNLOAD - 7 Considerations Before Starting Locum Tenens - https://darkos.lpages.co/7-considerations-before-locums LINKS MENTIONED SIGN UP FOR OUR NEWSLETTER! https://darkos.lpages.co/newsletter-signup/ WATCH THIS EPISODE ON YOUTUBE! Instagram: @docsoutsidethebox Email: [email protected] Twitter: @drniidarko Merch: https://docs-outside-the-box.creator-spring.com This episode is sponsored by Locumstory. Learn how locum tenens helps doctors make more and have the lifestyle they deserve!. Check them out HERE!
November 18, 202514min
Number 5: Top 5 Financial Moves That Actually Changed Our Lives. #472 Part2
SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show! Send us a Voice Message - https://www.speakpipe.com/docsoutsidethebox Have a question for the podcast? Text us at 833-230-2860 In this episode, we pull back the curtain on the five financial moves that created real change in our lives....no fluff, no hype, just the systems and decisions that actually stuck. We discussed the importance of going all in on a few moves instead of ten half‑started projects. FREE DOWNLOAD - 7 Considerations Before Starting Locum Tenens - https://darkos.lpages.co/7-considerations-before-locums LINKS MENTIONED SIGN UP FOR OUR NEWSLETTER! https://darkos.lpages.co/newsletter-signup/ WATCH THIS EPISODE ON YOUTUBE! Instagram: @docsoutsidethebox Email: [email protected] Twitter: @drniidarko Merch: https://docs-outside-the-box.creator-spring.com This episode is sponsored by Locumstory. Learn how locum tenens helps doctors make more and have the lifestyle they deserve!. Check them out HERE!
November 18, 202546min