In Episode 52 of Doctor’s Wealth and Wellness, host Norm Wright emphasizes the importance of personalized financial goals for physicians, building on Episode 50’s focus on financial milestones by highlighting that each doctor’s retirement “number” is unique, shaped by their lifestyle, expenses, and life stage. Norm discusses three strategies to define this number: clarifying lifestyle goals (e.g., travel or a simpler retirement), accounting for unique expenses like student loans and healthcare costs, and stress-testing savings plans with a CFP using tools like Monte Carlo simulations. Backed by a 2025 study showing 60% of physicians misjudge retirement needs without guidance, he encourages listeners to work with a financial planner to tailor their plan. The episode’s challenge is to take one step—defining goals, reviewing expenses, or stress-testing—and reflect on a personal financial aspiration, reinforcing the podcast’s theme of intentional, individualized financial planning. Examples in this episode are hypothetical and not representative of a specific individual.