"The road to success comes through hard work, determination, and sacrifice." This is a quote from Dolzinski and it paints a picture that we must give up things in order to achieve a better, larger thing eventually. Delayed gratification, if you will. In many cases, that's true, especially when it comes to financial planning. Saving a little bit extra now instead of spending it means longer compounding interest on that investment, as an example. Or, delaying retirement a couple of years means a more comfortable retirement down the road. But does that always need to be the case?

That's the topic of today's episode: two specific non-behavioral strategies available to ER Docs that, when implemented correctly, can impact financial success as much as behavioral changes.