Trade loan anxiety for a real plan; schedule your free consult below:

www.fiscalclinician.com/connect

Forgiveness feels like a safety net — but chasing it instead of a real plan can cost you years of unnecessary stress and thousands of dollars. This episode breaks down PSLF, IDR/RAP, and NHSC so you can stop guessing and finally know where you actually stand.

In this episode, you'll walk away with:

• Clarity on whether PSLF is worth pursuing for your situation — no more wondering if you're "doing it right"

• The real trade-offs of IDR and the new RAP program, so you're not caught off guard by rules changing in July 2026

• Whether NHSC could get you paid to work where you already want to be

• A clear-eyed view of what forgiveness can (and can't) do — so you can finally stop outsourcing your future to a government program

• The confidence that comes from having a plan that works whether or not forgiveness ever comes through

  
  

Whether you're a PT, OT, nurse, or other healthcare professional carrying student debt, this episode helps you trade uncertainty for a strategy you actually control.

👉 See what a real, stress-free plan looks like for you: https://www.fiscalclinician.com/connect

CONNECT WITH THE FISCAL CLINICIAN:

📧 Email: [email protected]

🌐 Website:⁠⁠ https://fiscalclinician.com⁠⁠

📱 Social: @fiscalclinician

FINANCE RESOURCES: 

⁠⁠Click here for 50% off monarch budget app:

Debt Payoff Calculator:

STUDENT LOAN FORGIVENESS RESOURCES: 

PSLF (Public Service Loan Forgiveness): 

Income Drive Repayment (IDR): 

Repayment Assistance Plan (RAP): 

NHSC Students to Service (S2S):

NHSC Loan Repayment Program (LRP): 

NHSC Scholarship Program (SP)

⭐ If this episode helped you, please subscribe, rate, review, and share it with another healthcare professional who needs it.

⚠️ DISCLAIMER: 

The content of this podcast is for educational and informational purposes only. We are not licensed financial advisors, and nothing discussed should be considered financial, legal, or investment advice. Please consult a certified financial planner or advisor before making financial decisions.

Most people are paying far too much for life insurance.

📅 Schedule a free financial coaching consult: https://www.fiscalclinician.com/connect

In this episode of The Fiscal Clinician Podcast, Josh and Devon break down the basics of life insurance and help you avoid one of the most common financial mistakes: buying the wrong type of coverage.

You'll learn who actually needs life insurance, how much coverage may be appropriate, and the key differences between term life and whole life insurance. The hosts also discuss why term life insurance is often the better option for most healthcare professionals and families, plus the hidden costs that can come with cash value policies.

In this episode:

• Who needs life insurance (and who doesn't)

• Term life vs. whole life insurance• How much coverage you may need

• The true cost of whole life insurance

• When whole life insurance might make sense

• Why "buy term and invest the rest" is often recommended

One small monthly payment today could make a huge difference for your family tomorrow.

CONNECT WITH THE FISCAL CLINICIAN:

📧 Email: [email protected]

🌐 Website:⁠⁠ https://fiscalclinician.com⁠⁠

📱 Social: @fiscalclinician

RESOURCES: 

Zander Term Life Insurance: 

⁠⁠Click here for 50% off monarch budget app:

Debt Payoff Calculator:

⭐ If this episode helped you, please subscribe, rate, review, and share it with another healthcare professional who needs it.

⚠️ DISCLAIMER: 

The content of this podcast is for educational and informational purposes only. We are not licensed financial advisors, and nothing discussed should be considered financial, legal, or investment advice. Please consult a certified financial planner or advisor before making financial decisions.

Fly business class. Stay in luxury resorts. Pay almost nothing out of pocket.

📅 Book a free consultation: https://www.fiscalclinician.com

In this episode of the Fiscal Clinician Podcast, Josh sits down with Spencer Reese from the Military Money Manual Podcast to break down the truth about credit card points, travel rewards, debt payoff, and building real wealth as a healthcare professional.

Spencer shares how he’s redeemed over $100,000 worth of travel rewards points, including luxury resorts, business-class international flights, and five-star hotel stays — while also explaining why credit cards should NEVER replace investing, financial planning, or wealth building.

In this episode, we discuss:
• The biggest lies credit card companies sell consumers
• Why your net worth matters more than your credit score
• How healthcare professionals and military families face similar money stressors
• Credit card welcome bonuses vs. spending multipliers
• When it IS and ISN’T okay to start using travel rewards cards
• Why automation is a powerful wealth-building tools
• Beginner-friendly credit card setups
• Travel insurance perks most people completely overlook
• The financial foundations you need BEFORE playing the game
• How to avoid becoming trapped in credit card debt

Whether you love optimizing points and miles or think credit cards are dangerous, this episode gives a balanced conversation around using credit cards responsibly while prioritizing investing, debt payoff, and long-term financial freedom.

CONNECT WITH THE FISCAL CLINICIAN:

📧 Email: [email protected]

🌐 Website:⁠⁠ https://fiscalclinician.com⁠⁠

📱 Social: @fiscalclinician

RESOURCES: 

Military Money Manual Website:

Military Money Manual Podcast:

Military Money Manual Instagram:

Doctorofcredit.com

Travel Freely

⁠⁠Click here for 50% off monarch budget app:

Debt Payoff Calculator:

⭐ If this episode helped you, please subscribe, rate, review, and share it with another healthcare professional who needs it.

⚠️ DISCLAIMER: 

The content of this podcast is for educational and informational purposes only. We are not licensed financial advisors, and nothing discussed should be considered financial, legal, or investment advice. Please consult a certified financial planner or advisor before making financial decisions.

What if $1 was really worth $88? 💰

Schedule your free consult call below:

 https://www.fiscalclinician.com/connect

That same $1 could be worth $88… or just $2—depending on when you invest it.

In this episode, we break down one of the most powerful concepts from The Millionaire Mission written by Brian Preston—how much each dollar you invest today could be worth in the future.

If you’re a healthcare professional trying to figure out investing, retirement planning, or how to make smarter financial decisions, this episode simplifies it.

We walk through:

• How much $1 is worth in your 20s, 30s, 40s, and 50s

• Why starting early makes such a massive difference

• What “Always Be Buying” means and how to use dollar cost averaging

• How to stop trying to time the market and start building wealth consistently

  
  

Whether you’re just starting your investing journey or trying to catch up, this episode will help you understand how to make your money work harder over time.

If you want help building a clear, simple investing plan tailored to your situation, schedule a free call using the link above.

CONNECT WITH THE FISCAL CLINICIAN:

📧 Email: [email protected]

🌐 Website:⁠⁠ https://fiscalclinician.com⁠⁠

📱 Social: @fiscalclinician

RESOURCES: 

⁠⁠Click here for 50% off monarch budget app:

Debt Payoff Calculator:

⭐ If this episode helped you, please subscribe, rate, review, and share it with another healthcare professional who needs it.

⚠️ DISCLAIMER: 

The content of this podcast is for educational and informational purposes only. We are not licensed financial advisors, and nothing discussed should be considered financial, legal, or investment advice. Please consult a certified financial planner or advisor before making financial decisions.

Think your salary isn’t enough to build wealth? Compound interest says otherwise!

Schedule a free 15 minute consult: 👉https://fiscalclinician.com/connect

In this episode of The Fiscal Clinician Podcast, Josh and Devon break down how a physical therapist working in one of the lowest-paying states in the U.S. can still become a millionaire using simple investing strategies.

You’ll learn how compound interest actually works, why most of your retirement account won’t come from your own contributions, and how to choose between Roth vs Traditional retirement accounts.

You'll also learn how 401k matching works, what vesting means for healthcare contracts, and how to structure your retirement investing using the Fiscal Clinician SOAP Strategy:

Systematic

Objective

Allocated

Passive

If you’re a PT, OT, nurse, or healthcare professional trying to figure out:

• How much to invest

•Whether to choose Roth vs Traditional

• How 401ks and IRAs actually work

• When to prioritize employer match

• How to start building retirement wealth early

In This Episode We Cover:

✔ How a PT earning ~$85k can still become a millionaire

✔ Why 81% of retirement wealth can come from compound growth

✔ Roth vs Traditional retirement accounts explained simply

✔ 401k employer match and vesting schedules

✔ IRA contribution strategies for clinicians

✔ The Fiscal Clinician SOAP investing framework

✔ Beginner index fund research points 

CONNECT WITH THE FISCAL CLINICIAN:

📧 Email: [email protected]

🌐 Website:⁠⁠ https://fiscalclinician.com⁠⁠

📱 Social: @fiscalclinician

RESOURCES: 

⁠⁠Click here for 50% off monarch budget app:

Debt Payoff Calculator:

⭐ If this episode helped you, please subscribe, rate, review, and share it with another healthcare professional who needs it.

⚠️ DISCLAIMER: 

The content of this podcast is for educational and informational purposes only. We are not licensed financial advisors, and nothing discussed should be considered financial, legal, or investment advice. Please consult a certified financial planner or advisor before making financial decisions.

Six figures in loans… and already burned out?

Schedule a 1:1 Financial Strategy Session 👉  https://fiscalclinician.com/connect

In this episode of The Fiscal Clinician Podcast, Devon sits down with Dr. Brian Jones — a long-time physical therapist in Hawaii — to unpack the real journey behind becoming a PT… and what no one tells you about student loans, burnout, insurance headaches, and building true financial freedom.

From getting hit by a car as a teenager and developing spondylolisthesis, to earning his associate’s, bachelor’s, master’s, and doctorate degrees… Brian shares the full arc of his career. He opens up about graduating with student debt, working as a wedding DJ to pay it off, navigating the insurance-based system, building a clinic on Oahu’s North Shore, and eventually transitioning to a fully cash-based model to reclaim his time, energy, and quality of care.

This episode is for:

• PT students worried about six-figure debt

• New grads questioning insurance-based burnout

• Clinicians considering private practice

• Anyone who wants more control over their money and lifestyle

Inside this conversation, we cover:

• The real cost of DPT programs (and how to think about ROI)

• Paying off student loans through side hustles and ownership

• Travel PT income strategies

• The realities of insurance reimbursement and denials

• Why many PT's burn out within the first 6 years

• How transitioning to cash-based care changed everything

• The mindset shift around knowing your worth

If you're a clinician who wants to take control of your career, income, and long-term freedom — this one’s for you.

💡 Your career is flexible. Your income is scalable. Your lifestyle is designable.

CONNECT WITH THE FISCAL CLINICIAN:

📧 Email: [email protected]

🌐 Website:⁠⁠  https://fiscalclinician.com

📱 Social: @fiscalclinician

RESOURCES:

Check Out Brian's Website here

Reach Brian at 808-726-5434 or at [email protected]

⁠⁠Click Here for 50% Off Monarch Budget App⁠

Debt Payoff Calculator⁠

EveryDollar Budgeting App⁠

⭐ If this episode helped you, please subscribe, rate, review, and share it with another healthcare professional who needs it.

⚠️ DISCLAIMER:

The content of this podcast is for educational and informational purposes only. We are not licensed financial advisors, and nothing discussed should be considered financial, legal, or investment advice. Please consult a certified financial planner or advisor before making financial decisions.

Quitter’s Day isn’t failure — it’s feedback! 

Schedule a 1:1 Financial Strategy Session 👉 https://fiscalclinician.com

Most healthcare professionals give up on financial goals by mid-January — here’s how to reset without guilt.

January motivation fades fast — especially for healthcare professionals juggling long shifts, burnout, and financial stress. Around the second Friday of January, known as Quitter’s Day, most people abandon their New Year’s goals.

In this episode, Josh and Devon break down why healthcare professionals hit Quitter’s Day harder, why financial goals often fall apart early, and how to reset your money goals in a way that actually fits your schedule and energy.

In this episode, we break down:

• Why healthcare professionals struggle with financial consistency

• The difference between motivation and systems (and why systems win)

• How to reset your goals using SMART frameworks and identity-based habits

• Practical tools like habit stacking, automation, and the 2-Minute Rule

If you’re a healthcare professional who feels behind financially, this episode is your permission to reset without guilt — and build a financial system that fits your real life.

CONNECT WITH THE FISCAL CLINICIAN:

📧 Email: [email protected]

🌐 Website:⁠⁠ https://fiscalclinician.com⁠⁠

📱 Social: @fiscalclinician

RESOURCES: 

⁠⁠Click Here for 50% Off Monarch Budget App⁠

Debt Payoff Calculator⁠

EveryDollar Budgeting App⁠

⭐ If this episode helped you, please subscribe, rate, review, and share it with another healthcare professional who needs it.

⚠️ DISCLAIMER: The content of this podcast is for educational and informational purposes only. We are not licensed financial advisors, and nothing discussed should be considered financial, legal, or investment advice. Please consult a certified financial planner or advisor before making financial decisions.

The wrong first job can cost you $100,000+

Schedule a 1:1 Financial Strategy Session👉https://fiscalclinician.com

In this episode of The Fiscal Clinician Podcast, Josh and Devon break down one of the biggest decisions new PTs, OTs, and rehab clinicians face:

Should you chase the highest salary… or prioritize long-term experience?

We walk through:

• Mill clinics vs. high-quality clinics (and what burnout really costs)

• Travel PT vs permanent outpatient roles

• SNF pay comparisons and real hourly examples

• Sign-on bonuses vs higher hourly pay (and how taxes change everything)

• How raises compound over time

• Real negotiation stories with actual percentage increases

• Why only 37% of employees negotiate (and why you should)

• Geographic arbitrage: earning more while spending less

• How to use rural demand to your advantage

• When lifestyle > optimization (Hawaii example 🌊)

Devon shares how choosing lower pay early still allowed us to pay off $175,000 in student loans in one year — while building long-term clinical skills.

We also break down the math behind bonuses, raises, and how a simple $1/hour difference can compound significantly over your career.

If you're about to start your first job — or thinking about switching — this episode will help you think long-term instead of just chasing the biggest number on paper.

CONNECT WITH THE FISCAL CLINICIAN:

📧 Email: [email protected]

🌐 Website:⁠ https://fiscalclinician.com⁠

📱 Social: @fiscalclinician

RESOURCES: 

• Pay Raise Calculator

• Debt Payoff Calculator

• Click Here for 50% Off Monarch Budget App

• EveryDollar Budgeting App

  
  

⭐ If this episode helped you, please subscribe, rate, review, and share it with another healthcare professional who needs it.

⚠️ DISCLAIMER: The content of this podcast is for educational and informational purposes only. We are not licensed financial advisors, and nothing discussed should be considered financial, legal, or investment advice. Please consult a certified financial planner or advisor before making financial decisions.

Student loan decisions after graduation shape your financial future.

Book a 1:1 with Josh here: https://app.acuityscheduling.com/schedule.php?owner=35994616

You finally graduated, your paycheck feels real — and your student loan balance feels overwhelming.

As a new healthcare professional, you’re probably hearing conflicting advice: pay aggressively, pursue loan forgiveness, refinance, or just pay the minimum and hope it works out.

The problem? Making the wrong decision in your first few years after graduation can cost you tens of thousands of dollars.

In this episode of The Fiscal Clinician Podcast, physical therapists and financial coaches Josh Schien and Devon McCord break down a clear, realistic framework for paying off student loans after graduation — the same approach they used to pay off $175,000 of student loan debt in just one year.

This episode is designed specifically for healthcare students, new grads, and early-career clinicians who want a practical, low-stress plan for student loan repayment.

What you’ll learn in this episode:

• How to approach student loan repayment after graduation with confidence

• Debt snowball vs debt avalanche — which strategy actually works best for you

• Why lifestyle inflation is the biggest financial risk after graduation

• The most common student loan mistakes new healthcare grads make

• How PSLF, NHSC, and income-driven repayment plans really work (and their approval rates)

• When refinancing student loans makes sense — and when it doesn’t

• Why your income and budget should be your primary repayment strategy

• Simple behavior and mindset strategies to stay motivated and build momentum

  
  

We also walk through real loan examples, explain why forgiveness programs should be treated as a bonus (not a plan), and show how delaying lifestyle upgrades early in your career can dramatically accelerate your path to financial independence.

If you’re a PT, OT, nurse, PA, NP, or healthcare student wondering what to do about student loans after graduation, this episode gives you a clear starting point.

RESOURCES:

• Debt Payoff Calculator: https://www.iwillteachyoutoberich.com/debt-payoff-calculator/

  
  

Connect With Us:

📧 Email: [email protected]

🌐 Website: https://fiscalclinician.com

📱 Social: @fiscalclinician

⭐ If this episode helped you, please subscribe, rate, review, and share it with another healthcare professional who needs it.

Disclaimer: This podcast is for educational purposes only and does not constitute financial advice. We are not licensed financial advisors. Always consider your personal financial situation before making decisions.

🎧 Struggling with graduate student loans?
📅 Book a 1:1 with Josh:

https://app.acuityscheduling.com/schedule.php?owner=35994616

Graduate school is demanding enough—your finances shouldn’t make it harder. In this episode of The Fiscal Clinician Podcast, Josh and Devon break down how healthcare students can succeed with student loans and budgeting before and during graduate school—without over-borrowing, stressing out, or setting themselves back financially. This episode is specifically designed for PT, OT, nursing, and healthcare graduate students who want clarity and confidence with their money before graduation ever arrives. In this episode, we cover:

• How graduate student loans actually work, when interest accrues and capitalizes, and common mistakes to avoid
• Recent changes to federal student loans, borrowing caps, and what the future of Grad PLUS loans could mean for healthcare students

• A simple order of operations for paying for grad school (scholarships → federal loans → last resorts)
• Realistic budgeting strategies during graduate school that work with busy clinical and study schedules
• How to reduce borrowing now so repayment after graduation is easier—not overwhelming

Whether you’re applying to school, currently enrolled, or planning ahead, this episode will help you make smarter financial decisions and build a strong foundation before your first paycheck hits.

Connect & Schedule

📧 Email: [email protected]

🌐 Website: fiscalclinician.com

📱Social: @fiscalclinician

Enjoyed the episode? Subscribe, rate, review, and share to help more healthcare students and professionals master their finances.

⚠️ Disclaimer: The content of this podcast is for educational and informational purposes only. We are not licensed financial advisors, and nothing discussed should be considered financial, legal, or investment advice. Please consult a certified financial planner or advisor before making financial decisions.