Scripted Wealth | Money & Meaning for Pharmacists

In this episode, Tim Ulbrich chats with Anisha Patel, host of the Pharmacist Diaries podcast, about her journey through pharmacy, entrepreneurship, and personal growth, including her work at Oxford and Cleveland Clinic Abu Dhabi, and how launching her podcast during the pandemic opened new opportunities.

Summary

In this episode, Tim Ulbrich, YFP Co-Founder, is joined by Anisha Patel, host of the Pharmacist Diaries podcast, to discuss her inspiring journey through pharmacy, entrepreneurship, and personal growth.

Anisha's story spans from growing up in a family of independent pharmacists in the UK to working at Oxford University Hospitals and Cleveland Clinic Abu Dhabi. She also shares how she launched her podcast during the pandemic, which has since grown into a global platform. In this conversation, Tim and Anisha dive into the power of storytelling in healthcare, the intersection of entrepreneurship and pharmacy, and how embracing non-traditional career paths can open doors to new opportunities.

About Today's Guest

Anisha Patel is a paediatric pharmacist turned podcaster and digital creator who's passionate about showcasing the limitless possibilities within healthcare careers. Through her podcast "The Pharmacist Diaries" (174+ episodes strong!), she shares stories of innovative pharmacists worldwide while building a community that breaks free from traditional career moulds.

After 14 years in clinical practice, including stints as the Abu Dhabi Grand Prix pharmacist and working in emergency services in the UAE, Anisha has embraced entrepreneurship to help other healthcare professionals find their voice through podcasting. When she's not recording episodes or coaching aspiring podcasters, you'll find Anisha planning global adventures with her family or sharing insights about designing a life of impact and freedom.

Mentioned on the Show

• Pharmacist Diaries
• Email: [email protected]
• Anisha Patel LinkedIn
• Pharmacist Diaries Instagram
• Pharmacist Diaries Facebook
• YFP YouTube Channel
• YFP Book a Discovery Call
• YFP Disclaimer
• Subscribe to the YFP Newsletter
• Tim Ulbrich on LinkedIn
• YFP on Instagram
• YFP Facebook Group

Tim Ulbrich, YFP Co-Founder is joined by mortgage loan officer Tony Umholtz to discuss the mortgage process. They break down key steps, from getting pre-approved to closing, highlighting important considerations and common mistakes to avoid when buying a home.

This episode is brought to you by First Horizon.

Summary

In this episode, Tim Ulbrich, YFP Co-Founder and CEO is joined by Tony Umholtz, a mortgage loan officer with First Horizon Bank as they break down one of the biggest financial commitments you'll ever make—buying a home.

Taking out a mortgage is a massive financial decision, one that can impact your life for decades. From getting pre-approved to signing those final papers at closing, there's a lot to consider—and a lot of mistakes to avoid.

Tim and Tony walk listeners through the mortgage process step by step. They cover what you need to know before getting pre-approved, how the bank sets your max loan amount, and how to avoid common pitfalls throughout the process.

About Today's Guest

Tony Umholtz is the Senior VP of Mortgage Banking at First Horizon. He graduated Cum Laude from the University of South Florida with a B.S. in Finance from the Muma College of Business. He then went on to complete his MBA. While at USF, Tony was part of the inaugural football team in 1997. He earned both Academic and AP All-American Honors during his collegiate career. After college, Tony had the opportunity to sign contracts with several NFL teams including the Tennessee Titans, New York Giants, and the New England Patriots.

Being active in the community is also important to Tony. He has served or serves as a board member for several charitable and non-profit organizations including board member for the Salvation Army, FCA Tampa Bay, and the USF National Alumni Association. Having orchestrated over $1.1 billion in lending volume during his career, Tony has consistently been ranked as one of the top mortgage loan officers in the industry by the Scotsman's Guide, Mortgage Executive magazine, and Mortgage Originator magazine.

Mentioned on the Show

• YFP Mortgage Calculator
• YFP Episode 212: Common Credit Blunders to Avoid When Buying a Home
• YFP Episode 380: Understanding and Improving Your Credit
• YFP Article: 5 Easy Steps to Get a Home Loan…Even If You Don't Have 20% Down
• First Horizon
• YFP YouTube Channel
• YFP Book a Discovery Call
• YFP Disclaimer
• Subscribe to the YFP Newsletter
• Tim Ulbrich on LinkedIn
• YFP on Instagram
• YFP Facebook Group
• Tony Umholtz on LinkedIn

In this episode, Tim Ulbrich, YFP CEO looks at three powerful areas for growing your income: maximizing your compensation, real estate investing, and building side hustles or businesses.

Summary

While cutting expenses is a key part of managing your finances, there's a limit to how much you can cut. The good news? Your income has no ceiling.

In this episode, Tim Ulbrich, YFP CEO, looks at three powerful areas for growing your income: maximizing your compensation, real estate investing, and building side hustles or businesses. Tim shares some personal experiences and examples from other pharmacists who have successfully diversified their income streams and created financial opportunities that go beyond the traditional 9-to-5 grind.

Mentioned on the Show

• YFP 126: Going Beyond Six Figures Through Medical Writing
• YFP 259: Building a Medical Writing Business with Megan Freeland
• YFP 171: How Austin Successfully Made the Financial Transition to New Practitioner Life
• YFP 280: How and Why This Pharmacist Pivoted to a Writing Career
• YFP 384: Beyond Salary: Negotiating Your Value in the Workplace
• YFP Real Estate Investing 46: Building a Family Business Around Motel Hacking
• YFP 362: Fatherhood, Family, and FIRE with Author Cory Jenks, PharmD
• YFP 359: Pharmacy Innovators with Jamie Wilkey, PharmD
• YFP 089: From Unemployed to Successful Pharmapreneur
• YFP 287: Monetizing Your Clinical Expertsie with Dr. Timothy Gauthier
• YFP 344: Beyond the ER: The Entrepreneurial Journey of Dr. Jimmy Pruitt
• YFP 217: How Kelley Used Her Clinical Expertise to Build a Business
• YFP 112: Why One PhD Pharmacist is Taking on Two Side Hustles
• YFP 379: Inspiring Bold Ideas: Career and Entrepreneurial Insights with Dr. Brooke Griffin
• YFP 180: How Allyson Used Her Pharmacy Skills to Build a Natural Skincare Company (started as a side hustle out of her house when working as a pharmacy admin at hospital)
• YFP 289: Building Pricklee with Pharmacy Entrepreneur Kun Yang
• YFP 243: A Non-Traditional Pharmacy Path from Pharmacist to Software Engineer to Entrepreneur
• YFP YouTube Channel
• YFP Book a Discovery Call
• YFP Disclaimer
• Subscribe to the YFP Newsletter
• Tim Ulbrich on LinkedIn
• YFP on Instagram
• YFP Facebook Group

Tim Baker, CFP®, RICP®, RLP® and Tim Ulbrich, PharmD discuss the importance of maintaining a balanced asset allocation, the nuances of risk tolerance and capacity, and the different accounts you should be rebalancing.

Brought to you by First Horizon.

Summary

In this episode, Tim Baker, CFP®, RICP®, RLP®, and Tim Ulbrich, PharmD, explore the essentials of rebalancing your investment portfolio.

Tim and Tim discuss asset allocation, risk tolerance, and key accounts to rebalance. They also highlight common mistakes and effective rebalancing strategies for long-term investment success.

Mentioned on the Show

• First Horizon
• YFP YouTube Channel
• YFP Book a Discovery Call
• YFP Disclaimer
• Subscribe to the YFP Newsletter
• Tim Ulbrich on LinkedIn
• Tim Baker on LinkedIn
• YFP on Instagram
• YFP Facebook Group

Tim Ulbrich, PharmD, and Tim Baker, CFP®, RICP®, RLP® dive into the challenges and rewards of managing money in a relationship.

Summary

In this episode, Tim Ulbrich, PharmD, and Tim Baker, CFP®, RICP®, RLP® dive into the challenges and rewards of managing money in a relationship.

They break down how different approaches—whether merging finances completely, keeping some things separate, or managing everything individually—can impact your financial harmony. Through real-life insights, Tim and Tim highlight the power of open communication, understanding each other's money habits, and creating a shared financial vision. They also discuss when and how a neutral third party can help navigate tough conversations.

No matter where you are in your relationship—just starting out, engaged, or years into marriage—this episode offers practical advice to help you and your partner build a financial plan that works for both of you.

Mentioned on the Show

• YFP YouTube Channel
• The 5 Money Personalities
• YFP Resource: 25 Financial Discussions for Partners
• YFP 127: A Widow's Journey to Love, Happiness & Financial Independence
• YFP Book a Discovery Call
• YFP Disclaimer
• Subscribe to the YFP Newsletter
• Tim Ulbrich on LinkedIn
• Tim Baker on LinkedIn
• YFP on Instagram
• YFP Facebook Group

Tim Ulbrich & Nate Hedrick break down 2025 housing trends, agent tips & the new buyer's agreement. Sponsored by Real Estate RPH.

Summary

Tim Ulbrich, YFP Co-Founder talks with Nate Hedrick, PharmD and Founder of Real Estate RPh as they break down the key trends shaping the 2025 housing market, from declining home sales to soaring interest rates. Nate shares what to look for in a real estate agent, why local market expertise matters, and how the new buyer's agent agreement affects you.

This episode is brought to you by Real Estate RPH.

Mentioned on the Show

• YFP YouTube Channel
• YFP Real Estate Investing 132: Rent vs Buy
• YFP Real Estate Investing 118: Navigating the NAR News: Insights for Real Estate Investors
• YFP Episode 160: Navigating the Home Buying Process Through the Home Buying Concierge Service
• Real Estate RPh Home Buying Concierge
• YFP Real Estate Investing Facebook Group
• Nate Hedrick on Instagram
• Nate Hedrick on LinkedIn
• Tim Ulbrich on LinkedIn
• YFP on Instagram
• YFP Facebook Group
• Subscribe to the YFP Newsletter
• YFP Disclaimer

Tim Ulbrich, YFP Co-Founder welcomes back David Zgarrick, PhD to share his journey into "preferment," balancing retirement, financial planning, and staying engaged through teaching and consulting.

Summary

In this episode, Tim Ulbrich, YFP Co-Founder, welcomes back David Zgarrick, PhD, as he shares his journey into what he calls the "preferment phase" of life. Dr. Zgarrick opens up about his transition from academia to retirement, the joy of new routines, and the power of early financial planning. He highlights the importance of staying engaged—through consulting, teaching, and meaningful activities—while keeping financial health in check.

About Today's Guest

David P. Zgarrick, PhD, is Professor Emeritus in the School of Pharmacy and Pharmaceutical Sciences at Northeastern University. Prior to his retirement in 2022, his positions included Associate Dean of Faculty at Northeastern's Bouvé College of Health Sciences, Acting Dean of the Northeastern's School of Pharmacy and Pharmaceutical Sciences, Chair of the Northeastern's Department of Pharmacy and Health Systems Sciences; John R. Ellis Distinguished Chair of Pharmacy Practice at Drake University College of Pharmacy and Health Sciences; and Vice-chair of Pharmacy Practice at Midwestern University Chicago College of Pharmacy.

He is a licensed pharmacist, receiving a BS in Pharmacy from the University of Wisconsin - Madison and a MS and PhD in Pharmaceutical Administration from The Ohio State University.

Dr. Zgarrick remains engaged in the profession of pharmacy, consulting with universities and teaching pharmacy practice management and entrepreneurship in the health sciences. His scholarly interests include pharmacy workforce research, pharmacy management and operations, pharmacy education, and development of post-graduate programs.

He has published over 150 peer-reviewed manuscripts and abstracts, was co-editor of the textbook Pharmacy Management: Essentials for All Practice Settings, and authored the book Getting Started as a Pharmacy Faculty Member. He was editor-in-chief of the Journal of Pharmacy Teaching, Executive Associate Editor of Currents in Pharmacy Teaching and Learning, and is an editorial board member of Research in Social and Administrative Pharmacy.

Dr. Zgarrick is active in many professional organizations, including the American Pharmacists Association (APhA) and the American Association of Colleges of Pharmacy (AACP). He served on AACP Board of Directors for twelve years in three different roles, including as Treasurer from 2016-22. Dr. Zgarrick also served on the Board of Visitors for the University of Wisconsin School of Pharmacy, the Board of Grants for the American Foundation for Pharmaceutical Education, and is a Fellow of the American Pharmacists Association.

Mentioned on the Show

• Episode 291: Redefining Retirement with David Zgarrick, Ph.D.
• Facebook David Zgarrick
• LinkedIn David Zgarrick
• Instagram @davidzgarrick
• YFP YouTube Channel
• YFP Book a Discovery Call
• YFP Disclaimer
• Subscribe to the YFP Newsletter
• Tim Ulbrich on LinkedIn
• Tim Baker on LinkedIn
• YFP on Instagram
• YFP Facebook Group

Tim Ulbrich talks with Nate Hedrick and David Bright as they break down the rent vs. buy dilemma in today's market, tackling equity, flexibility, financial strategy, and key market insights.

Summary

Tim Ulbrich talks with real estate investors Nate Hedrick, PharmD and David Bright, PharmD as they dive into the rent vs. buy decision in today's housing market, offering practical insights and real-life experiences. They explore the financial benefits of both options, the role of equity, and the flexibility renting provides. Their discussion highlights the importance of understanding local market dynamics, strategic use of home equity, and aligning decisions with personal and financial goals.

Mentioned on the Show

• YFP Real Estate Investing 131: Revisiting Our 2024 Projections and Looking Ahead to 2025
• NY Post Article "Here's how much more a single-family home costs to buy than rent"
• Real Estate RPh Concierge Service
• NYT Rent vs Buy Calculator
• YFP YouTube Channel
• Subscribe to the YFP Newsletter
• YFP Disclaimer
• YFP Real Estate Investing Facebook Group
• Nate Hedrick on Instagram
• David Bright on Instagram
• YFP Real Estate Investing Website
• David Bright on LinkedIn
• Nate Hedrick on LinkedIn
• Tim Ulbrich on LinkedIn
• YFP on Instagram
• YFP Facebook Group

YFP Co-Founders, Tim Ulbrich and Tim Baker answer two listener submitted questions about growing income and saving for your child's college education.

Summary

In this episode, Tim Ulbrich, PharmD and Tim Baker, CFP tackle two listener submitted questions. Cory from Arizona seeks advice on how pharmacists, in addition to cutting expenses, can increase their income to achieve their financial goals. Amanda from Minnesota, inquires about 529 college savings plans and balancing it with other financial priorities.

Mentioned on the Show

• YFP YouTube Channel
• YFP Blog: 19 Ways to Make Extra Money as a Pharmacist
• YFP 388: Entrepreneurial Journeys in Pharmacy: Lessons on Growth and Success
• YFP 384: Beyond Salary: Negotiating Yoru Value in the Workplace
• YFP Blog: 7 Things to Consider Before Starting a 529 Plan
• YFP 368: How Much is Enough for Kids College
• YFP Book a Discovery Call
• YFP Disclaimer
• Subscribe to the YFP Newsletter
• Tim Ulbrich on LinkedIn
• Tim Baker on LinkedIn
• YFP on Instagram
• YFP Facebook Group

Tim Baker, CFP®, and Tim Ulbrich, PharmD, share strategies to address fees, inflation, and taxes, helping you keep your investment portfolio fit and achieve your financial goals.

Summary

In this episode, Tim Baker, CFP® and Tim Ulbrich, PharmD discuss a crucial topic related to personal finance: keeping your investment portfolio fit.

Tim and Tim explore three silent threats to your investments—fees, inflation, and taxes. Learn practical strategies to manage fund fees, mitigate inflation's impact, and use tax-efficient approaches to safeguard your portfolio. Whether you're starting to save or nearing retirement, this episode delivers valuable tips to protect and grow your wealth.

Mentioned on the Show

• YFP YouTube Channel
• YFP Book a Discovery Call
• YFP 275: How to Build a Retirement Paycheck
• YFP Disclaimer
• Subscribe to the YFP Newsletter
• Tim Ulbrich on LinkedIn
• Tim Baker on LinkedIn
• YFP on Instagram
• YFP Facebook Group