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Episode Summary

In this episode, Dr. Latifat breaks down one of the most common money questions high-earning women physicians ask: “Should I pay for a financial advisor?”

Here’s the honest truth — most people are paying thousands of dollars every year for work they could easily automate themselves. Data shows that a simple, low-cost index fund strategy (think Boglehead-style investing) often performs just as well as many actively managed portfolios — minus the hefty fees.

But this isn’t about villainizing financial advisors. It’s about empowering you to understand what you’re paying for and making sure you’re actually getting value in return.

If your financial advisor is helping you strategize, optimize, and grow beyond what you could do on your own — that’s worth exploring.
If not? It may be time to reclaim that money and redirect it toward your own wealth-building goals.

🩺 You’ll Learn:

• Why “boring” automated investing often outperforms high-fee strategies
• The real difference between investing with confidence and outsourcing without clarity
• When a financial advisor is actually worth it — and when they’re not
• How Dr. Latifat went from –$200K to 7 figures using simple, automated money systems

🧠 Quote to Remember

“If your advisor isn’t adding clear, measurable value — you’re paying for the same work twice.”

🔗 Resources Mentioned

• Done With Broke by Dr. Latifat Akintade- https://a.co/d/gY0WLmG
  – the guide that walks you from chaos to confident wealth.
• Automate your investments with trusted platforms like Fidelity or Vanguard. Check out our program which teaches women physicians to automate their six figures income to 7 figure networth. moneyfitmd.com/6to7

Join hundreds of women physicians learning

You’re making six or even seven figures—and still asking, “Where did all my money go?” The problem isn’t your income—it’s that you haven’t learned how to have money left.

The Money Left Over program gives women physicians the tools to uncover 4–5 figures in extra monthly cash and finally let your money start working for you.

👉 Go to moneyfitmd.com/moneyleftover now and find out how.

You’re making six or even seven figures—and still asking, “Where did all my money go?” The Money Left Over program gives women physicians the tools to uncover 4–5 figures in extra monthly cash and finally let your money start working for you.

👉 Click here to find out how.

Connect with Dr. Latifat:
💡 Instagram
👥 Facebook Group
🔗 LinkedIn
📩 Email
☎️ Book a Complimentary Call
💸 Youtube

Free Resources for Women Physicians
🧳 Sabbatical Guide (Free Download)
🧠 Financial Starter Guide
💸 Money School for Women Physicians
🧬 Financial Personality Quiz

Books & Programs
🔑 The Power to Choose by Dr. Latifat
📘 Done with Broke (Amazon)

Send us a text

Dr. Latifat shares how she went from –$200K to seven figures in 5 years. Learn the mindset, systems, and principles every woman physician needs to automate wealth, build peace, and take control of her money—without more hustle or shame

She also discussed how how brand new program 6 to 7 will be helping more women physicians automate their path to 7 figures www.moneyfitmd.com/6to7 for more details. 

Key Takeaways

• The first million is always the hardest—but once you build momentum, wealth compounds faster than you think.
• Money isn’t the end goal; it’s the raw material that gives you choice, freedom, and peace.
• Debt freedom—not just being debt-free—is what allows your money to work for you instead of the other way around.
• The emotional side of money—fear, guilt, and anxiety—can silently block your growth more than any spreadsheet.
• With the right structure, strategy, and community, you can automate your path to seven figures and beyond.

💬 Memorable Quotes

“Money is not freedom—but it’s the raw material that builds it.”“Debt freedom is when your debt is working for you, not against you.”“The first million is the longest to build. After that, you’re no longer fighting gravity—you’re compounding.”“Your income should buy back your time and your peace, not your burnout.”“Wealth isn’t just about having more—it’s about having the power to choose how you live.”

You’re making six or even seven figures—and still asking, “Where did all my money go?” The problem isn’t your income—it’s that you haven’t learned how to have money left.

The Money Left Over program gives women physicians the tools to uncover 4–5 figures in extra monthly cash and finally let your money start working for you.

👉 Go to moneyfitmd.com/moneyleftover now and find out how.

You’re making six or even seven figures—and still asking, “Where did all my money go?” The Money Left Over program gives women physicians the tools to uncover 4–5 figures in extra monthly cash and finally let your money start working for you.

👉 Click here to find out how.

Connect with Dr. Latifat:
💡 Instagram
👥 Facebook Group
🔗 LinkedIn
📩 Email
☎️ Book a Complimentary Call
💸 Youtube

Free Resources for Women Physicians
🧳 Sabbatical Guide (Free Download)
🧠 Financial Starter Guide
💸 Money School for Women Physicians
🧬 Financial Personality Quiz

Books & Programs
🔑 The Power to Choose by Dr. Latifat
📘 Done with Broke (Amazon)

Send us a text

www.moneyfitmd.com/moneyleftover- Learn the skill of creating margin in your finances as a woman physician earning six figures.

In this powerful solo episode, Dr. Latifat unpacks one of the most common — and overlooked — reasons why high-achieving women physicians stay financially stuck: a single sentence in their mind.

Through personal stories, real client breakthroughs, and a bit of tough love, she shows you how the beliefs running silently in the background of your brain can create false ceilings in your wealth, work, and well-being. You’ll discover how to identify your sentence, question it, and replace it — so you can finally move forward in your finances with clarity and freedom.

What You’ll Learn

• Why your financial problems aren’t as “big” or “complicated” as they seem
• How physicians unconsciously inflate small challenges into insurmountable barriers
• The power of identifying the one limiting sentence that keeps you stuck
• A story of a physician with $300K+ in debt who restructured her income without breaking her contract
• The “Fly at the Window” metaphor: why you're missing the open door behind you
• How to reduce financial stress by simplifying your challenges and asking “So what?”

🔥 Quotes to Remember

“If your financial problem was truly complex, you would’ve figured it out by now.”“You’re not the source. You’re the conduit. When you believe that, everything changes.”“Sometimes the breakthrough isn’t a 10-step plan. It’s a one-sentence shift.”

Money Left Over Workshop: Learn the skill of creating margin in your finances — if you are earning multiple six figures

You’re making six or even seven figures—and still asking, “Where did all my money go?” The problem isn’t your income—it’s that you haven’t learned how to have money left.

The Money Left Over program gives women physicians the tools to uncover 4–5 figures in extra monthly cash and finally let your money start working for you.

👉 Go to moneyfitmd.com/moneyleftover now and find out how.

You’re making six or even seven figures—and still asking, “Where did all my money go?” The Money Left Over program gives women physicians the tools to uncover 4–5 figures in extra monthly cash and finally let your money start working for you.

👉 Click here to find out how.

Connect with Dr. Latifat:
💡 Instagram
👥 Facebook Group
🔗 LinkedIn
📩 Email
☎️ Book a Complimentary Call
💸 Youtube

Free Resources for Women Physicians
🧳 Sabbatical Guide (Free Download)
🧠 Financial Starter Guide
💸 Money School for Women Physicians
🧬 Financial Personality Quiz

Books & Programs
🔑 The Power to Choose by Dr. Latifat
📘 Done with Broke (Amazon)

Send us a text

Dr. Latifat is the author of the Amazon bestselling books Done With Broke: The Woman Physician’s Guide to More Money and Less Hustle and The Power to Choose: The Woman Physician’s Guide to Financial Liberation and Life on Your Terms. She is also the founder of MoneyFitMD, a financial empowerment platform designed to help women physicians achieve financial independence without sacrificing their well-being.

In this episode, she breaks down the common financial mistakes that cost women physicians thousands of dollars each year. She shares how to shift from scarcity to abundance, rethink what being a “millionaire” truly means, and make smarter money decisions that actually align with your life and goals.

Key Takeaways:

1. You need more than one million to retire comfortably.
2. Avoid letting fear and scarcity drive your money choices.
3. Financial peace starts with clear goals and planning.
   
   

Timestamps:
00:40 Why women physicians lose money
02:18 The illusion of being “just fine” financially
04:05 Why $1M isn’t enough for doctors
06:10 Overcoming the scarcity mindset
08:22 Building wealth that fits your values
10:30 Common money traps in medicine
12:12 How fear limits financial growth
14:28 Reframing wealth and success
16:45 Becoming a multi-millionaire on purpose
18:52 First steps to fixing your money habits

Related Episodes:
The Secret To Making Your Money Work For You!
Why Women Physicians Avoid Money Conversations

You’re making six or even seven figures—and still asking, “Where did all my money go?” The problem isn’t your income—it’s that you haven’t learned how to have money left.

The Money Left Over program gives women physicians the tools to uncover 4–5 figures in extra monthly cash and finally let your money start working for you.

👉 Go to moneyfitmd.com/moneyleftover now and find out how.

You’re making six or even seven figures—and still asking, “Where did all my money go?” The Money Left Over program gives women physicians the tools to uncover 4–5 figures in extra monthly cash and finally let your money start working for you.

👉 Click here to find out how.

Connect with Dr. Latifat:
💡 Instagram
👥 Facebook Group
🔗 LinkedIn
📩 Email
☎️ Book a Complimentary Call
💸 Youtube

Free Resources for Women Physicians
🧳 Sabbatical Guide (Free Download)
🧠 Financial Starter Guide
💸 Money School for Women Physicians
🧬 Financial Personality Quiz

Books & Programs
🔑 The Power to Choose by Dr. Latifat
📘 Done with Broke (Amazon)

Send us a text

Dr. Latifat is the author of the Amazon bestselling books Done With Broke: The Woman Physician’s Guide to More Money and Less Hustle and The Power to Choose: The Woman Physician’s Guide to Financial Liberation and Life on Your Terms. She is also the founder of MoneyFitMD, a financial empowerment platform designed to help women physicians achieve financial independence without sacrificing their well-being.

In this episode, she dives into the connection between time, money, and mindset. She shares why managing your schedule like a CEO is essential to building financial freedom, and how to break the cycle of being “too busy” to plan or grow your wealth. If you’ve ever felt like there’s never enough time or money, this one’s for you.

Key Takeaways:

1. Set a specific time for financial planning.
2. Find someone to hold you accountable.
3. Being busy is not an excuse to avoid growth.
   
   

Timestamps:
00:00 Managing time like a CEO
02:45 Why women physicians feel constantly busy
05:30 How lack of planning costs you money
08:15 Creating time blocks for financial clarity
11:40 The power of saying “no”
14:05 Reframing your schedule for success
17:20 Money mindset shifts for busy doctors
20:35 Building habits that save time and cash
24:10 What it means to lead your finances
27:50 Final encouragement for physician CEOs

📝 Get your FREE PDF Guide Here!

Related Episodes:
What Happens If You Ignore Your Own Finances? Are You Wasting Money by Not Delegating? Here's How to Fix It!

You’re making six or even seven figures—and still asking, “Where did all my money go?” The problem isn’t your income—it’s that you haven’t learned how to have money left.

The Money Left Over program gives women physicians the tools to uncover 4–5 figures in extra monthly cash and finally let your money start working for you.

👉 Go to moneyfitmd.com/moneyleftover now and find out how.

You’re making six or even seven figures—and still asking, “Where did all my money go?” The Money Left Over program gives women physicians the tools to uncover 4–5 figures in extra monthly cash and finally let your money start working for you.

👉 Click here to find out how.

Connect with Dr. Latifat:
💡 Instagram
👥 Facebook Group
🔗 LinkedIn
📩 Email
☎️ Book a Complimentary Call
💸 Youtube

Free Resources for Women Physicians
🧳 Sabbatical Guide (Free Download)
🧠 Financial Starter Guide
💸 Money School for Women Physicians
🧬 Financial Personality Quiz

Books & Programs
🔑 The Power to Choose by Dr. Latifat
📘 Done with Broke (Amazon)

Send us a text

Dr. Latifat is the author of the Amazon bestselling books Done With Broke: The Woman Physician’s Guide to More Money and Less Hustle and The Power to Choose: The Woman Physician’s Guide to Financial Liberation and Life on Your Terms. She is also the founder of MoneyFitMD, a financial empowerment platform designed to help women physicians achieve financial independence without sacrificing their well-being.

In this episode, she shares how to create an emergency fund that truly fits you—your current season, your lifestyle, and your goals. She explains why one-size-fits-all advice doesn’t work, how to decide what’s “enough,” and how to make sure your savings strategy aligns with your vision for life and work.

Key Takeaways:

1. Match your fund to your goals and current season.
2. Avoid one-size-fits-all advice.
3. Save with clarity, not guilt.
   
   

Timestamps:
01:10 Why funds should match goals
02:30 Purpose of an emergency fund
04:00 How your season affects savings
05:45 Common saving mistakes
07:15 Aligning fund with goals
09:00 When to rebuild or adjust
10:40 Flexibility in money planning
12:00 Shifting from guilt to clarity
13:40 Fund that supports peace

Related Episodes:
The Secret To Making Your Money Work For You!
Anxious About Retirement? Here Are Some Things You Should Consider


Connect with Dr. Latifat:
☎️ Book A Call: https://www.moneyfitmd.com/call
💰 The Money Left Over: www.moneyfitmd.com/moneyleftover/
💡Instagram: @moneyfitmd
🔗 LinkedIn:

You’re making six or even seven figures—and still asking, “Where did all my money go?” The problem isn’t your income—it’s that you haven’t learned how to have money left.

The Money Left Over program gives women physicians the tools to uncover 4–5 figures in extra monthly cash and finally let your money start working for you.

👉 Go to moneyfitmd.com/moneyleftover now and find out how.

You’re making six or even seven figures—and still asking, “Where did all my money go?” The Money Left Over program gives women physicians the tools to uncover 4–5 figures in extra monthly cash and finally let your money start working for you.

👉 Click here to find out how.

Connect with Dr. Latifat:
💡 Instagram
👥 Facebook Group
🔗 LinkedIn
📩 Email
☎️ Book a Complimentary Call
💸 Youtube

Free Resources for Women Physicians
🧳 Sabbatical Guide (Free Download)
🧠 Financial Starter Guide
💸 Money School for Women Physicians
🧬 Financial Personality Quiz

Books & Programs
🔑 The Power to Choose by Dr. Latifat
📘 Done with Broke (Amazon)

Send us a text

Dr. Latifat is the author of the Amazon bestselling books Done With Broke: The Woman Physician’s Guide to More Money and Less Hustle and The Power to Choose: The Woman Physician’s Guide to Financial Liberation and Life on Your Terms. She is also the founder of MoneyFitMD, a financial empowerment platform designed to help women physicians achieve financial independence without sacrificing their well-being.

In this episode, she reflects on the success of the 2025 Wealthy You Live In-Person Gathering and the powerful insights shared throughout the experience. She dives into what made this year’s event so special, the energy that came from women showing up for themselves, and the mindset shifts needed to move from burnout to abundance.

Key Takeaways:

1. Wealth starts with believing you deserve more.
2. True financial freedom means creating time, confidence, and community.
3. Showing up for yourself is the first step toward transformation.
   
   Timestamps:
   01:28 Reflecting on the success of 2025 WYC Event
   04:02 How community fuels financial and emotional growth
   06:10 The link between burnout and wealth mindset
   07:54 Lessons from women who showed up for themselves
   09:20 Redefining wealth as freedom and legacy
   11:00 How confidence builds financial resilience
   12:42 Why wealth is about more than money
   16:25 Invitation to embrace your wealthy woman era

Connect with Dr. Latifat:
☎️ Book A Call: https://www.moneyfitmd.com/call
💡 Instagram: @moneyfitmd
🔗 LinkedIn: https://www.linkedin.com/in/dr-latifat-akintade-0137b5200
💸 Youtube:

You’re making six or even seven figures—and still asking, “Where did all my money go?” The problem isn’t your income—it’s that you haven’t learned how to have money left.

The Money Left Over program gives women physicians the tools to uncover 4–5 figures in extra monthly cash and finally let your money start working for you.

👉 Go to moneyfitmd.com/moneyleftover now and find out how.

You’re making six or even seven figures—and still asking, “Where did all my money go?” The Money Left Over program gives women physicians the tools to uncover 4–5 figures in extra monthly cash and finally let your money start working for you.

👉 Click here to find out how.

Connect with Dr. Latifat:
💡 Instagram
👥 Facebook Group
🔗 LinkedIn
📩 Email
☎️ Book a Complimentary Call
💸 Youtube

Free Resources for Women Physicians
🧳 Sabbatical Guide (Free Download)
🧠 Financial Starter Guide
💸 Money School for Women Physicians
🧬 Financial Personality Quiz

Books & Programs
🔑 The Power to Choose by Dr. Latifat
📘 Done with Broke (Amazon)

Send us a text

Dr. Latifat is the author of the Amazon bestselling books Done With Broke: The Woman Physician’s Guide to More Money and Less Hustle and The Power to Choose: The Woman Physician’s Guide to Financial Liberation and Life on Your Terms. She is also the founder of MoneyFitMD, a financial empowerment platform designed to help women physicians achieve financial independence without sacrificing their well-being.

In this episode, she examines the challenges that first-generation wealth builders face in their relationships. She discusses how to lead as the financial CEO of your family while nurturing partnership, tackling feelings of being “behind,” and fostering open, intentional conversations about money with your spouse.

Key Takeaways:

1. You can be both a partner and the CEO.
2. Comparison can harm your money mindset.
3. Healthy conversations are essential to wealth building.
   
   

Timestamps:
 00:52 Being a first-generation wealth builder as a woman physician
 02:30 Balancing being a wife and CEO of the household
 04:15 The unique challenges faced by women physicians
 08:45 Shifting the mindset from “we’re behind” to long-term vision
 12:05 How to foster honest money conversations with your spouse
 14:18 Inviting your partner into your financial journey
 20:05 Avoiding resentment and embracing shared financial goals
 22:40 How intentionality shapes your family’s finan

You’re making six or even seven figures—and still asking, “Where did all my money go?” The problem isn’t your income—it’s that you haven’t learned how to have money left.

The Money Left Over program gives women physicians the tools to uncover 4–5 figures in extra monthly cash and finally let your money start working for you.

👉 Go to moneyfitmd.com/moneyleftover now and find out how.

You’re earning more than ever—but somehow, there’s still nothing left at the end of the month. The problem isn’t your income—it’s your money habits. The Money Left Over program helps women physicians uncover thousands in hidden cash flow and start keeping more of what they earn.

👉 Visit moneyfitmd.com/moneyleftover to learn how.

You’re making six or even seven figures—and still asking, “Where did all my money go?” The Money Left Over program gives women physicians the tools to uncover 4–5 figures in extra monthly cash and finally let your money start working for you.

👉 Click here to find out how.

Connect with Dr. Latifat:
💡 Instagram
👥 Facebook Group
🔗 LinkedIn
📩 Email
☎️ Book a Complimentary Call
💸 Youtube

Free Resources for Women Physicians
🧳 Sabbatical Guide (Free Download)
🧠 Financial Starter Guide
💸 Money School for Women Physicians
🧬 Financial Personality Quiz

Books & Programs
🔑 The Power to Choose by Dr. Latifat
📘 Done with Broke (Amazon)

Send us a text

Dr. Latifat is the author of the Amazon bestselling books Done With Broke: The Woman Physician’s Guide to More Money and Less Hustle and The Power to Choose: The Woman Physician’s Guide to Financial Liberation and Life on Your Terms. She is also the founder of MoneyFitMD, a financial empowerment platform designed to help women physicians achieve financial independence without sacrificing their well-being.

In this episode, she addresses one of the most common and emotional concerns among women physicians: the fear of not having enough money to retire. She shares why shame is often tied to this fear, the truth about financial freedom at any age, and actionable ways to approach retirement planning with confidence.

Key Takeaways:

1. Retirement fear often comes from shame, not numbers.
2. Wealth is built through intentionality, not perfection.
3. It’s never too late to create financial freedom.
   
   
   

Timestamps:
00:35 Fear of not having enough for retirement
02:10 Why shame makes retirement planning harder
04:22 Common worries from women in their 50s and 60s
06:15 Breaking the cycle of financial guilt
08:42 The truth about money and time freedom
10:18 How to assess your current financial reality
12:05 Creating intentional habits that build wealth
14:33 Why retirement is more than just numbers
16:10 Steps to start shifting your money mindset
18:27 Encourage

You’re making six or even seven figures—and still asking, “Where did all my money go?” The problem isn’t your income—it’s that you haven’t learned how to have money left.

The Money Left Over program gives women physicians the tools to uncover 4–5 figures in extra monthly cash and finally let your money start working for you.

👉 Go to moneyfitmd.com/moneyleftover now and find out how.

You’re earning more than ever—but somehow, there’s still nothing left at the end of the month. The problem isn’t your income—it’s your money habits. The Money Left Over program helps women physicians uncover thousands in hidden cash flow and start keeping more of what they earn.

👉 Visit moneyfitmd.com/moneyleftover to learn how.

You’re making six or even seven figures—and still asking, “Where did all my money go?” The Money Left Over program gives women physicians the tools to uncover 4–5 figures in extra monthly cash and finally let your money start working for you.

👉 Click here to find out how.

Connect with Dr. Latifat:
💡 Instagram
👥 Facebook Group
🔗 LinkedIn
📩 Email
☎️ Book a Complimentary Call
💸 Youtube

Free Resources for Women Physicians
🧳 Sabbatical Guide (Free Download)
🧠 Financial Starter Guide
💸 Money School for Women Physicians
🧬 Financial Personality Quiz

Books & Programs
🔑 The Power to Choose by Dr. Latifat
📘 Done with Broke (Amazon)

Send us a text

Dr. Latifat is the author of the Amazon bestselling books Done With Broke: The Woman Physician’s Guide to More Money and Less Hustle and The Power to Choose: The Woman Physician’s Guide to Financial Liberation and Life on Your Terms. She is also the founder of MoneyFitMD, a financial empowerment platform designed to help women physicians achieve financial independence without sacrificing their well-being.

In this episode, she dives into the unique struggles faced by first-generation wealth builders. She shares how inherited money mindsets, hidden limitations, and cultural expectations can hold physicians back and offers practical insights to shift those patterns so you can build wealth without burnout.

Key Takeaways:

1. Learn how to effectively communicate your financial boundaries.
2. Financial insecurities can cause you to hoard money.
3. Investments are the fastest route to financial freedom,

Timestamps:
01:15 Struggles unique to first-generation wealth builders
03:42 Why income alone doesn’t solve money problems
06:10 The hidden limitations holding women physicians back
08:55 How money mindsets fuel burnout
12:30 Why breaking generational cycles matters
15:44 Building wealth with confidence and legacy in mind
18:20 The role of intentionality in financial freedom
21:05 Shifting your mindset around money struggles
24:10 Creating wealth without sacrificing joy

You’re making six or even seven figures—and still asking, “Where did all my money go?” The problem isn’t your income—it’s that you haven’t learned how to have money left.

The Money Left Over program gives women physicians the tools to uncover 4–5 figures in extra monthly cash and finally let your money start working for you.

👉 Go to moneyfitmd.com/moneyleftover now and find out how.

You’re earning more than ever—but somehow, there’s still nothing left at the end of the month. The problem isn’t your income—it’s your money habits. The Money Left Over program helps women physicians uncover thousands in hidden cash flow and start keeping more of what they earn.

👉 Visit moneyfitmd.com/moneyleftover to learn how.

You’re making six or even seven figures—and still asking, “Where did all my money go?” The Money Left Over program gives women physicians the tools to uncover 4–5 figures in extra monthly cash and finally let your money start working for you.

👉 Click here to find out how.

Connect with Dr. Latifat:
💡 Instagram
👥 Facebook Group
🔗 LinkedIn
📩 Email
☎️ Book a Complimentary Call
💸 Youtube

Free Resources for Women Physicians
🧳 Sabbatical Guide (Free Download)
🧠 Financial Starter Guide
💸 Money School for Women Physicians
🧬 Financial Personality Quiz

Books & Programs
🔑 The Power to Choose by Dr. Latifat
📘 Done with Broke (Amazon)