If you’re an ER doc, there’s a lot happening behind the scenes in healthcare finance that could directly impact your day-to-day. A recent story caught our attention that ties into some of the broader trends we’ve discussed in the past — and it’s worth unpacking. 

It involves ownership models, shifting priorities, and what it all means for the future of emergency medicine. Let’s get into it.

Emergency physicians often juggle multiple financial goals—from building wealth to eliminating debt—but choosing where to direct extra payments isn't always straightforward. Should you attack your student loans or put more toward the mortgage?  

Each path has trade-offs in risk, flexibility, and long-term impact. In this episode, we break down how to think about both options with real-world considerations.

Social Security might be the most universally recognized piece of the retirement puzzle, but that doesn’t make the decision around it any easier. Whether you’re planning to claim early or wait it out for a bigger monthly check, the debate is louder than ever—especially for high-income ER docs who might not “need” the benefit right away.

Is there a universal answer to taking SS early or late? We'll discuss that today.

Ever wonder why some people obsess over every financial detail while others just want someone to handle it all for them? Money isn't just about math — it's deeply tied to how we're wired. 

In this episode, we're diving into how your personality shapes your financial decisions — and why knowing yourself might be the key to getting (and staying) ahead. It's less about spreadsheets and more about self-awareness.

You ever scroll through the list of emergency department visits by sport? It’s more surprising than you’d expect. The activities racking up the most injuries aren’t necessarily the most extreme or dangerous—they're just the ones people do the most. 

Which got us thinking… what if we looked at ER doctor personal finance through the same lens? Not just what’s flashy or dramatic—but the everyday stuff that quietly causes the most long-term damage.

The House officially passed the One Big Beautiful Bill Act—so today, we’re diving into what actually made it into the bill. If you listened to our earlier episode, you know we were taking some educated guesses, but now we’ve got real answers. 

This bill is packed with changes—some extensions, some brand-new provisions—and while it’s not law yet (it still needs to clear the Senate), it’s already shaping major tax and financial planning conversations. So let’s break down what passed and what it could mean for your bottom line.

When it comes to passing on wealth, the traditional approach has been to wait—save everything, then hand it off through a will. But what if the most meaningful impact happens before that moment? 

Giving while you're still here—intentionally, strategically—lets you see the effect of your support, guide the outcomes, and build deeper alignment with your values. In this episode, we explore why earlier is often better, and how giving now doesn’t just transfer wealth—it multiplies its purpose.

We all know the Roth IRA is a powerful tool for setting our kids up financially, especially when they’re earning early and you can stash away a few thousand dollars for decades of tax-free growth. But what happens when your child hits that in-between stage—say, age 19 to 25—still on your health insurance but no longer a tax dependent? 

That’s where the HSA strategy kicks in, offering a surprisingly overlooked second phase of long-term wealth building. In this episode, we explore how to leverage this window to give your child a tax-free healthcare fund that could quietly grow into hundreds of thousands by retirement.

If you've been hearing rumblings about tax changes in 2026, you're not imagining things — we’re heading toward one of the biggest tax shifts in decades. The Tax Cuts and Jobs Act of 2017, which shaped much of our current tax system, is set to expire unless Congress takes action.

 But right now, lawmakers are locked in a high-stakes budget battle, and no one knows exactly how it’ll end. This episode breaks down why that matters not just politically — but for your wallet, your financial plan, and the decisions you might want to make before the rules change.

Today, we're going to dive into a mindset shift that every high-earning professional needs to hear, especially our ER doc families making strong incomes. It's tempting to think that a $400K household is financially invincible. But the truth is: the system isn't designed to make you wealthy. It's designed to keep you comfortable. 

And comfortable, if you're not careful, is the enemy of wealthy. We're going to walk through a real-world hypothetical of a $400K-earning ER doc, a stay-at-home parent, two kids, and all the common expenses that come with the lifestyle to show you exactly how easy it is to spin your wheels and not actually build wealth.