In this inspiring episode of the Finding Financial Freedom Podcast, guest Dr. Dawn Baker—physician, writer, speaker, and coach—shares her transformative journey from relentless achievement to finding work-life balance. After facing a cancer diagnosis, Dawn redefined her career and personal priorities, aligning her work with her “freedom values.”

Join us as she unpacks the widespread burnout in the medical world, her motivation to challenge the "lean in" mindset, and how embracing a more intentional life can lead to greater fulfillment. With insights from her book Lean Out and her personal story, Dawn offers practical advice for professionals looking to escape the burnout cycle and create a meaningful balance between career and life.

Key Topics Covered:

1. Challenging the “Lean In” Mentality

• Why Dawn advocates for a shift away from the relentless pursuit of growth and achievement.  

2. Burnout in the Medical Profession

• The systemic issues driving physician burnout and how to address them.  

3. Dawn Baker’s Personal Burnout and Recovery

• Her journey from high work demands to finding work-life balance.

4. Aligning Your Work with Freedom Values 

• Steps to build a career that reflects your personal values and priorities.  

5. Educational and Inspirational Insights from her book Lean Out

• Lessons and actionable tips from Dawn’s book that resonate across industries. 

Resources Mentioned:

• Lean Out by Dawn Baker  
• The Lean Out Podcast with Dawn Baker
• Practice Balance Website
• Lean Out Confidence Course

Listener Takeaways:

• Recognize the signs of burnout and take actionable steps toward recovery.  
• Learn how aligning your values with your work can lead to sustainable success.  
• Gain inspiration to challenge societal expectations and create your unique path. 

Connect with Us:

• Host: Dr. Disha Spath, The Frugal Physician

• Guest: Dr. Dawn Baker, Author of Lean Out

• Follow Dawn on Facebook, Twitter, Instagram and LinkedIn for updates on her journey and her podcast episodes. 

Thank you for tuning in! Be sure to share this episode with anyone navigating student loan repayment.

This episode is also sponsored by

FacetWealth Discover how Facet is transforming financial planning for physicians with personalized, flat-fee financial planning—visit facet.com/frugalphysician to start building your financial future today.

This episode is also sponsored by

Corporate Direct - Helping entrepreneurs and investors protect their assets and build real wealth. Corporate Direct also assists clients in meeting compliance requirements under the Corporate Transparency Act, ensuring federal reporting is handled with ease and accuracy.

In this episode of Finding Financial Freedom Podcast, join Dr. Disha Spath and Prisca Benson, a nurse and money coach, as they explore the path to financial freedom and teach you ways on how to take charge of your own money. Prisca shares how she turned debt into $370K in investments, simplified budgeting, and overcame financial anxiety. Discover practical tips for debt repayment, mindful spending, and using money as a tool for intentional living. 

Perfect for professionals seeking actionable advice to take control of their finances and build lasting wealth!

Key Topics Covered:

1. Introduction: A Journey to Financial Freedom

• Discover how Dr. Disha Spath and special guest Prisca Benson share actionable tips to conquer debt and embrace mindful spending.

2. Meet Prisca Benson: From Debt to $370K in Investments

• Learn Prisca’s inspiring journey and the mindset shifts that transformed her financial life.

3. Actionable Steps to Start Your Financial Journey Today

• Prisca’s four-step framework (Assess, Streamline, Apply, Reassess) simplifies financial planning for everyone.

4. Maximize Your Savings with Points and Miles

• Tips and tricks for using credit card rewards responsibly to travel the world for less.

5. Budgeting with Joy: How to Balance Living and Saving

• Practical advice on creating budgets that help you enjoy life while achieving financial goals.

6. Overcoming Financial Anxiety: Start Small, Think Big

• Strategies for overcoming money fears and taking control of your finances.

7. Rapid-Fire Insights: Prisca’s Fun and Quirky Money Habits

• Get to know Prisca better with lighthearted rapid-fire questions about her money-saving hacks and inspirations.

Resources Mentioned:

• Corporate Direct Website– Asset protection services
• Facet
• Our Green Life  – Prisca’s platform for personalized money coaching
• Her Money Podcast and Choose FI Podcast

Listener Takeaways:

• Begin your financial journey with a clear and actionable plan.
• Create stress-free budgets that allow you to enjoy life while saving.
• Overcome financial anxiety by starting small and thinking big.
• Use points and miles strategically to maximize travel savings.
• Shift your mindset to see money as a tool for intentional living.

Connect with Us:

• Host: Dr. Disha Spath, The Frugal Physician

• Guest: Prisca Benson: Founder of Our Green Life

• Follow us on Instagram, Facebook, and Twitter for updates on upcoming episodes.

Thank you for tuning in! Be sure to share this episode with anyone navigating student loan repayment.

This episode is sponsored by:

PearsonRavitz – Helping physicians safeguard their most valuable assets. 

This episode is also sponsored by

FacetWealth Discover how Facet is transforming financial planning for physicians with personalized, flat-fee financial planning—visit facet.com/frugalphysician to start building your financial future today.

This episode is also sponsored by

Corporate Direct - Helping entrepreneurs and investors protect their assets and build real wealth. Corporate Direct also assists clients in meeting compliance requirements under the Corporate Transparency Act, ensuring federal reporting is handled with ease and accuracy.

In this episode of Finding Financial Freedom, Dr. Disha Spath sits down with Dr. Carla Rotering, a renowned pulmonologist and leadership coach, to explore her inspiring journey as a woman physician navigating the challenges of medicine, motherhood, and financial freedom. Dr. Carla shares invaluable insights on how she overcame burnout, rebuilt her career with a renewed sense of purpose, and took control of her finances—while also being a compassionate leader and role model in the medical field.

From understanding how to achieve financial independence to redefining success and balance, Dr. Carla’s experience offers actionable advice for women in medicine looking to transform their careers and lives. If you're a physician facing burnout, seeking leadership guidance, or aiming for work-life balance and financial freedom, this episode will inspire you to take control of your career and life transformation.

Key Topics Covered:

1. Thriving as a Woman in Medicine

• Dr. Carla discusses her journey from the railroad tracks to critical care and how women in medicine can thrive by redefining their approach to work, life, and success.

2. Leadership in Medicine

• Learn how Dr. Carla's leadership coaching has helped other healthcare professionals unlock their potential and manage the pressures of the medical field.

3. Financial Freedom for Women Physicians

• Dr. Carla shares her strategies for managing finances, building wealth, and achieving financial independence as a woman in a demanding profession.

4. Overcoming Burnout in Your Field

• Dr. Carla talks about recognizing the signs of burnout and how she not only survived but thrived by implementing leadership techniques and prioritizing self-care.

5. Balancing Family and Critical Care

• How Dr. Carla navigates her role as a mother while working in pulmonary critical care, offering insights for other women juggling careers and family life.

6. Building a Practice and Career Transformation

• Discover the steps Dr. Carla took to build her own practice and create a thriving career without sacrificing her personal well-being.

7. Financial Management for Single Moms in Medicine  

• Dr. Carla offers advice to single mothers in medicine, sharing how she successfully balanced her professional responsibilities with financial management.

Resources Mentioned:

• Dr. Carla’s Leadership Coaching Program
• Transforming You Events

Listener Takeaways:

• Learn how to achieve financial freedom and wealth-building as a woman physician.
• Gain practical tips on managing burnout and creating a sustainable work-life balance.
• Understand the steps to take control of your career and finances as a woman in medicine.
• Discover how leadership can redefine success and help you thrive in both your personal and professional life.

Connect with Us:

• Host: Dr. Disha Spath, The Frugal Physician

• Guest: Dr. Carla Rotering, Renowned Pulmonologist & Leadership Coach

• Follow us on Instagram, Facebook, and Twitter for updates on upcoming episodes.

Thank you for tuning in! Be sure to share this episode with anyone navigating student loan repayment.

This episode is sponsored by:

PearsonRavitz – Helping physicians safeguard their most valuable assets. 

This episode is also sponsored by

FacetWealth – Discover how Facet is transforming financial planning for physicians with personalized, flat-fee financial planning—visit facet.com/frugalphysician to start building your financial future today.

This episode is also sponsored by

Corporate Direct - Helping entrepreneurs and investors protect their assets and build real wealth. Corporate Direct also assists clients in meeting compliance requirements under the Corporate Transparency Act, ensuring federal reporting is handled with ease and accuracy.

In this episode of Finding Financial Freedom, Dr. Disha Spath welcomes Ted Sutton, a licensed attorney with Corporate Direct, and Garrett Sutton, founder of Corporate Direct and the Sutton Law Center, to discuss how physicians and professionals can take control of their financial futures. From forming LLCs to avoiding tax pitfalls, Ted and Garrett break down the essentials of asset protection, business entity management, and legal compliance in an engaging and practical conversation.

With over 14,000 clients served and multiple bestselling books, Garrett Sutton brings decades of experience to help doctors secure their personal and professional assets. If you're thinking about starting a private practice or just looking to safeguard your wealth through asset protection strategies, this episode is the perfect guide.

Key Topics Covered:

1. Why Physicians Need Asset Protection

• Learn why it’s crucial to protect not just your practice but your personal assets, and how business entities can shield your wealth.

2. The Essentials of Setting Up an LLC

• Step-by-step guidance on forming an LLC, understanding the “continuity of obligation,” and ensuring it’s done right from the start.

3. Maintaining Compliance with the Corporate Transparency Act

• How this new law affects business owners and what you need to do to stay compliant.

4. Avoiding Common LLC Pitfalls

• From neglected paperwork to improper renewals, discover the most common mistakes that can jeopardize your LLC—and how to avoid them.

5. Garrett Sutton’s Expertise in Asset Protection

• Insights from Garrett’s bestselling books (Start Your Own Corporation, Loopholes of Real Estate) and decades of experience helping professionals secure their financial futures.

Resources Mentioned:

• PearsonRavitz
• Rich Dad Poor Dad by Robert Kiyosaki
• Veil not Fail by Garrett  Sutton
• Start Your Own Corporation, Loopholes of Real Estate by Garett Sutton
• Corporate Direct Website
• Sutton Law Center

Listener Takeaways:

• Understand why forming an LLC is essential for protecting both your medical practice and personal assets.  
• Learn the critical steps to setting up and maintaining a compliant business entity under the Corporate Transparency Act.  
• Avoid common mistakes in LLC management and ensure your financial and legal safeguards are rock solid.

Connect with Us:

• Host: Dr. Disha Spath, The Frugal Physician

• Guests: 

  Garett Sutton, founder of Corporate Direct

  Atty. Ted Sutton of Corporate Direct

• Follow us on Instagram, Facebook, and Twitter for updates on upcoming episodes.

Thank you for tuning in! Be sure to share this episode with anyone navigating student loan repayment.

This episode is sponsored by:

PearsonRavitz – Helping physicians safeguard their most valuable assets. 

This episode is also sponsored by

FacetWealth – Discover how Facet is transforming financial planning for physicians with personalized, flat-fee financial planning—visit facet.com/frugalphysician to start building your financial future today.

In this episode of Finding Financial Freedom, author and entrepreneur David Barnett navigates the ins and outs of buying, running, and selling small to medium sized businesses. 

With years of hands-on experience, David offers insights designed to explain the complexities of entrepreneurship, empowering listeners to approach each stage of business ownership with confidence and clarity.

David dives deep into the critical factors that affect business value, including financial health, market trends, and industry conditions. He provides a roadmap for both buyers and sellers, guiding them on how to realistically assess value and negotiate profitable deals. 

With expert advice on financing, hiring strategies, lead generation, and sales processes, David shows entrepreneurs, including physicians, how to increase profitability and prepare for successful business transitions.

Key Topics Covered:

1. Common Reasons for Selling

• Over the years, David has identified the most common reasons entrepreneurs choose to sell their businesses, providing valuable insight into the decision-making process.

2. Tips on Valuing a Business

• David breaks down the key factors that go into assessing a business’s worth, including financial health, market trends, and industry conditions, offering clarity for those looking to buy or sell.

3. The First Steps in Buying a Business

• For potential buyers, David outlines the crucial first steps to take when considering a business purchase, ensuring they start on the right track.

4. Opportunities and Risks During a Recession

• David discusses the pros and cons of buying businesses during economic downturns or distressed periods like COVID-19, highlighting key opportunities and risks.

5. Maximizing Sale Value

• David explains why most businesses sell for less than expected and offers practical tips for business owners to maximize their sale value and secure a better deal.

6. Increasing the Value of a Medical Practice

• David provides actionable advice on how physicians can make their practices more valuable, helping them prepare for a successful sale.

Resources Mentioned:

• How To Sell My Own Business by David Barnett
• Join his list on: https://www.DavidCBarnettList.com
• David Barnett’s YouTube channel: https://www.youtube.com/channel/UCbR8hQfFxBI4Idh4Zw65yZQ 
• David Barnett’s Website:https://www.DavidCBarnett.com

Listener Takeaways:

• Learn how to assess a business’s value by considering financial health, market trends, and industry conditions.  
• Discover practical tips to increase your business's sales value and secure a more profitable deal.  
• Gain insights into the opportunities and risks of buying businesses during economic downturns, like recessions or a pandemic.

Connect with Us:

• Host: Dr. Disha Spath, The Frugal Physician

• Guest: David Barnett, Small Business

• Follow us on Instagram, Facebook, and Twitter for updates on upcoming episodes.

Thank you for tuning in! Be sure to share this episode with anyone navigating student loan repayment.

This episode is sponsored by:

PearsonRavitz – Helping physicians safeguard their most valuable assets. 

This episode is also sponsored by

FacetWealth – Discover how Facet is transforming financial planning for physicians with personalized, flat-fee financial planning—visit facet.com/frugalphysician to start building your financial future today.

In this comprehensive episode of Finding Financial Freedom with The Frugal Physician, Dr. Disha Spath hosts Travis Hornsby, founder and CEO of Student Loan Planner, to explore the current landscape of student loans and repayment strategies for high-debt professionals. With over $800 million in student loans consulted on, Travis is an authority on loan repayment and shares crucial insights on navigating Public Service Loan Forgiveness (PSLF), recent policy changes, and strategies for repayment that every physician, professional, and student loan borrower needs to know.

Discover how changes in student loan policies under the Trump, Obama, and Biden administrations have reshaped the repayment landscape and what potential policy shifts could mean for borrowers in the coming years. Travis also discusses methods to optimize PSLF eligibility, the pros and cons of refinancing, and the best strategies for long-term financial freedom despite student loan debt.

Key Topics Covered:

1. Travis Hornsby’s Journey & Student Loan Planner’s Mission

   • Travis’s background in finance and bond trading at Vanguard, his journey to starting Student Loan Planner, and why he’s dedicated his career to helping borrowers navigate complex student loan systems.

2. Public Service Loan Forgiveness (PSLF): From Inception to Transformation

   • How PSLF has evolved since its inception in 2007, including challenges under the Trump administration and impactful changes introduced by President Biden.

3. Changes in Income-Driven Repayment (IDR) Plans

   • Overview of the original income-driven repayment options (PAYE, REPAYE, IBR, ICR) and how Biden’s new SAVE plan replaced REPAYE with enhanced interest subsidies.

4. Potential Pitfalls & Common Mistakes in Repayment Plans

   • How to avoid costly missteps when selecting a repayment plan, including considerations around PSLF qualification, income certification, and timing of tax filings.

5. Navigating Political and Legal Challenges in Student Loan Policies

   • Insights into current legal challenges to the SAVE plan and potential impacts of future policy changes on IDR options for physicians and other borrowers.

6. Refinancing vs. Forgiveness

   • Travis outlines when it’s beneficial to refinance your loans versus staying on a PSLF track, with practical advice for borrowers based on debt-to-income ratio and financial goals.

Resources Mentioned:

• Student Loan Planner for calculators, tools, and professional consultations.

• Travis’s Books: Managing Your Money in Your Twenties and Thirties and 25 is the New 65: How to Retire Outrageously Early.

Listener Takeaways:

• Gain a better understanding of student loan repayment plans and forgiveness options.

• Learn the strategies for managing student loans amidst political upheaval and legal challenges.

• Understand when refinancing makes sense versus sticking with PSLF or other forgiveness options.

Connect with Us:

• Host: Dr. Disha Spath, The Frugal Physician

• Guest: Travis Hornsby, CFA, CFP, Student Loan Planner

• Follow us on Instagram, Facebook, and Twitter for updates on upcoming episodes.

Thank you for tuning in! Be sure to share this episode with anyone navigating student loan repayment.

This episode is sponsored by:

PearsonRavitz– Helping physicians safeguard their most valuable assets. 

This episode is also sponsored by

FacetWealth– Discover how Facet is transforming financial planning for physicians with personalized, flat-fee financial planning—visit facet.com/frugalphysician to start building your financial future today.

Hosted by: Dr. Disha Spath

Guest: Sean Mullaney, Advice-Only Financial Planner and Author of The Solo 401k: The Solopreneur’s Retirement Account

This episode is sponsored by

PearsonRavitz– Helping physicians safeguard their most valuable assets. 

This episode is also sponsored by

FacetWealth– Discover how Facet is transforming financial planning for physicians with personalized, flat-fee financial planning—visit facet.com/frugalphysician to start building your financial future today.

• Introduction: Dr. Disha Spath welcomes listeners back and introduces Sean Mullaney, President of Mullaney Financial and Tax Inc, a fee-only financial planner and tax advisor for self-employed individuals and small business owners.

• About Sean Mullaney: Sean shares his background, transitioning from a career in corporate tax planning to launching an advice-only financial planning firm. He discusses his award-winning blog, FITaxGuy.com, and his book The Solo 401k: The Solopreneur’s Retirement Account, which has become a valuable resource on tax planning for freelancers and independent contractors.

• Sean’s Financial Journey: Sean discusses his passion for personal financial planning and his motivation to help small business owners and entrepreneurs maximize their savings through tax-efficient retirement strategies.

• Understanding the Solo 401k: Sean explains the structure and benefits of the solo 401k for self-employed retirement planning, highlighting its differences from traditional 401ks and IRAs. This retirement option is designed for self-employed professionals, including “physicians with side gigs” and “freelancers,” offering flexibility in contributions and investment options.

• Combining W-2 Employment with Side Hustles: Sean offers strategies for combining a solo 401k with retirement planning for 1099 income when you have both W-2 earnings and independent contracting income, helping listeners maximize their retirement contributions.

• Alternatives to the Solo 401k: Sean reviews other self-employed retirement plans, including SEP IRAs, Simple IRAs, and Defined Benefit Plans, explaining the pros and cons of each option based on business income, structure, and goals.

• The Backdoor Roth IRA Strategy: Sean explains the solo 401k’s compatibility with the backdoor Roth IRA strategy for high-income earners, allowing listeners to bypass the pro-rata rule and make tax-free contributions without triggering extra tax burdens.

• Rollover Strategies for Former Employer 401ks: Sean provides retirement rollover options for managing a previous employer’s 401k. He explores the options of leaving it where it is, rolling it over to a traditional IRA, or moving it to a solo 401k, with insights on tax benefits, fees, and creditor protection.

• Future of Retirement Savings for Entrepreneurs: Sean shares his perspective on the trend toward Roth accounts, the tax outlook for retirees, and the impact of political dynamics on future retirement tax planning.

• Where to Find Sean Mullaney: Sean invites listeners to explore his blog, FITaxGuy.com, for insights on tax planning for financial independence and to check out his YouTube channel, featuring weekly personal finance videos for practical financial advice.

• Solo 401k Benefits for Self-Employed Individuals: Solo 401ks offer higher contribution limits, greater flexibility in investment choices, and significant tax advantages for self-employed professionals and side hustlers.

• Combining Retirement Accounts for Physicians and Entrepreneurs: Professionals with both W-2 income and 1099 earnings can leverage multiple retirement accounts to maximize tax-advantaged savings.

• Backdoor Roth IRA Advantages: A solo 401k allows high-income earners to implement a backdoor Roth IRA strategy while avoiding pro-rata rule issues, making it especially valuable for physicians with 1099 income.

• 401k Rollover Considerations for Solopreneurs: Carefully weigh rollover options for former employer 401ks, focusing on factors like fees, tax rules, and creditor protection.

• The Solo 401k: The Solopreneur’s Retirement Account by Sean Mullaney

• Sean’s blog: FITaxGuy.com – Covering “tax planning for financial independence” topics.

• Sean’s YouTube channel: Sean Mullaney Videos

Thank you for tuning in to Finding Financial Freedom with The Frugal Physician! If you enjoyed this episode, please subscribe, rate, and share it with your colleagues. Stay frugal and financially free!

The discussion is intended to be for general educational purposes and is not tax, legal, or investment advice for any individual. Disha and the Finding Financial Freedom with The Frugal Physician podcast do not endorse Sean Mullaney, Mullaney Financial & Tax, Inc. and their services. Guest appearances on the podcast do not constitute their endorsement of any sponsors of the Finding Financial Freedom with The Frugal Physician podcast.

In this episode of Finding Financial Freedom with The Frugal Physician, host Dr. Disha Spath sits down with Dr. Jordan Grumet, a distinguished physician and the creator of the award-winning Earn & Invest podcast. Together, they explore Dr. Grumet’s latest book, The Purpose Code, which provides an inspiring and practical guide for those seeking to lead a more meaningful life. Through thoughtful conversation, they delve into "purpose anxiety," the contrast between "big P" and "little p" purpose, and the relationship between financial independence and personal fulfillment.

This episode is sponsored by

PearsonRavitz– Helping physicians safeguard their most valuable assets. 

This episode is also sponsored by

FacetWealth– Discover how Facet is transforming financial planning for physicians with personalized, flat-fee financial planning—visit facet.com/frugalphysician to start building your financial future today.

Highlights and Key Takeaways:

• Defining Purpose

• Dr. Grumet introduces the concept of "big P" purpose—often associated with society's grand expectations, like achieving massive goals and material success—which can lead to disappointment and anxiety.

• Contrastingly, "little p" purpose emphasizes finding joy in everyday processes, focusing on personal agency, and cultivating happiness through meaningful, small actions.

• The Paradox of Purpose and Anxiety

• Studies show that while having a purpose is linked to longevity and happiness, up to 91% of people experience "purpose anxiety" at some point. Dr. Grumet discusses how societal pressures shape unrealistic expectations, creating a disconnect between achievable happiness and purpose.

• The Role of Purpose in Financial Independence (FI)

• Dr. Grumet reflects on the FIRE (Financial Independence, Retire Early) movement and how a rush toward financial goals can lead to dissatisfaction. He emphasizes that finances should support a purpose-driven life rather than serve as the ultimate goal.

• Building a Purposeful Financial Framework

• Dr. Grumet advises on the importance of aligning financial goals with purpose, allowing money to act as a tool that supports one’s personal "purpose anchors." Examples include pursuing passions alongside work and taking a "slow-FIRE" approach to financial freedom.

• Exploring Regrets and Legacy

• Dr. Grumet shares stories from his work in hospice, revealing how end-of-life reflections often center on missed opportunities for joy rather than financial accomplishments. He encourages listeners to identify and act on their unique purpose anchors, ensuring a legacy of personal impact rather than material wealth.

• Practical Exercises for Identifying Purpose Anchors

• Dr. Grumet offers practical advice on exploring and building purpose anchors, including exercises from The Purpose Code that help readers focus on the values and activities that bring them true joy.

• Final Thoughts on Purpose and Happiness

• Dr. Grumet concludes with a reminder that purpose should be abundant and anxiety-free. By focusing on what truly matters in life, we can find happiness in both the journey and the outcomes.

Resources Mentioned:

• The Purpose Code by Dr. Jordan Grumet – Available January 2025

• Earn & Invest Podcast – Hosted by Dr. Jordan Grumet

• Taking Stock by Dr. Jordan Grumet

Quotes:

• “Purpose comes before money, and purpose is abundant. Embrace it; it’s supposed to be low-stakes and fulfilling.” – Dr. Jordan Grumet

Connect with Us:

• Host: Dr. Disha Spath – The Frugal Physician

• Guest: Dr. Jordan Grumet – Earn & Invest Podcast

Call to Action:If you enjoyed today’s episode, don’t forget to subscribe, share, and leave us a review. Join us next time as we continue exploring the intersection of finance, happiness, and purpose. Until then, stay purposeful and financially free!

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Please note: The content shared on the podcast is for informational purposes only and should not be considered individualized financial advice. It is essential to consult with professionals such as accountants, financial advisors, or attorneys to receive personalized guidance based on your specific needs.

In this episode, Dr. Disha Spath discusses heart health and stress management with cardiologist Dr. Disha Mookherjee. Dr. Mookherjee shares insights into reducing stress and preventing heart disease through meditation, spiritual wellness, and holistic approaches. Rooted in personal experiences and 20 years of practice, she reveals actionable techniques to manage stress and build resilience, offering practical guidance for healthcare professionals and individuals aiming to improve heart health naturally.

Trigger alert: Infant death

This episode is sponsored by

PearsonRavitz– Helping physicians safeguard their most valuable assets. 

This episode is also sponsored by

FacetWealth– Discover how Facet is transforming financial planning for physicians with personalized, flat-fee financial planning—visit facet.com/frugalphysician to start building your financial future today.

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If you enjoyed the show, find and follow Dr. Disha everywhere else:

Twitter

Website

Facebook

The Frugal Physician’s Facebook Group

YouTube 

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Please note: The content shared on the podcast is for informational purposes only and should not be considered individualized financial advice. It is essential to consult with professionals such as accountants, financial advisors, or attorneys to receive personalized guidance based on your specific needs.

In this episode of Finding Financial Freedom with The Frugal Physician, Dr. Spath is joined by Dr. Rikki Racela, a neurologist based in Englewood, NJ. Dr. Racela shares his journey from financial illiteracy to financial empowerment, discussing the mistakes he made early in his career—like falling into the trap of whole life insurance, pushed by a financial advisor friend. After discovering a love of personal finance, he turned his financial life around and now advocates for financial literacy among his colleagues and students.

Together, Dr. Spath and Dr. Racela dive into how to pick the right financial advisor and, most importantly, how to avoid being ripped off by one. Learn how to spot red flags, avoid financial predators, and make informed decisions that will help secure your financial future. Don't miss this invaluable episode full of firsthand insights and tips to protect your wealth!

This episode is sponsored by

PearsonRavitz– Helping physicians safeguard their most valuable assets. 

This episode is also sponsored by

FacetWealth– Discover how Facet is transforming financial planning for physicians with personalized, flat-fee financial planning—visit facet.com/frugalphysician to start building your financial future today.

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If you enjoyed the show, find and follow Dr. Disha everywhere else:

Twitter

Website

Facebook

The Frugal Physician’s Facebook Group

YouTube 

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Please note: The content shared on the podcast is for informational purposes only and should not be considered individualized financial advice. It is essential to consult with professionals such as accountants, financial advisors, or attorneys to receive personalized guidance based on your specific needs.