🎧 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.

Turn credit cards into a tool for wealth, not debt!

Book a 1:1 with Josh:

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

In today’s episode, Josh and Devon break down credit cards in the simplest, most practical way possible so healthcare professionals can stop accumulating interest and finally use credit cards as a tool—not a trap.

You’ll learn:

• The surprising truth about whether you need a credit card

• How credit card companies use psychology to make you overspend

• Why losing your grace period is one of the most expensive mistakes people make

• Why minimum payments are engineered to keep you in debt

• What carrying a balance actually costs you

• A step-by-step plan to rebuild good credit habits
  

LINKS:

Email: [email protected]

Website: fiscalclinician.com

Social: @fiscalclinician on TikTok, Instagram, and YouTube

Devon: healthandwealthhawaii

HELP SUPPORT OUR SHOW!

If this episode helped you, please subscribe, rate, review, and share the podcast—it helps us reach more healthcare professionals on their wealth-building journey.

SHOW DISCLAIMER:

This podcast is for educational purposes only and is not financial, legal, or investment advice. Josh and Devon are financial coaches, not licensed financial advisors. Always do your own research and consult a professional before making financial decisions.

Holiday Spending Made Simple This Christmas

Book a 1:1 with Josh:
https://app.acuityscheduling.com/schedule.php?owner=35994616
Holiday spending doesn’t have to ruin your finances. In this episode, Josh and Devon break down practical strategies for managing holiday spending, avoiding debt, and staying on budget this Christmas. We cover real spending statistics, meaningful gift alternatives, and ways to enjoy traditions without financial stress.

You’ll learn:

• How to set a realistic Christmas budget that works for you and your family

• Tips to avoid holiday debt and manage credit card use

• Ways to prioritize joyful experiences over material gifts

• How to plan early for a stress-free holiday season

• Family and clinician-specific strategies to protect your time, energy, and finances

• Why generosity can bring more lasting happiness than overspending

Enjoy a debt-free Christmas while creating traditions and memories that matter most.

💌 Connect with Us:
📧 Email — [email protected]
🌐 Website — fiscalclinician.com
📱 Social — @fiscalclinician

🙌 Support the Podcast:Subscribe, rate, review, and share with a fellow healthcare professional who could use practical financial guidance!

⚠️ Disclaimer:This podcast is for educational purposes only. We are not licensed financial advisors. Consult a qualified professional for personalized financial advice.

💥 Stop stressing—build an emergency fund that actually works!

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

Are you ready to stop stressing about unexpected expenses? In Episode 4 of The Fiscal Clinician Podcast, Josh Schien and Devon McCord break down why every healthcare professional needs an emergency fund—and how to actually build one. From real-life stories of ER visits and government shutdowns to practical strategies for saving, automating, and protecting your money, this episode gives you the tools to turn financial emergencies into manageable inconveniences.

Learn:

✅ What counts (and doesn’t) as a true emergency

✅ How much to save based on your expenses—not income

✅ Simple ways to start, even if you’re still paying off debt

✅ Best places to keep your emergency fund for easy access and safety

If you want peace of mind, financial flexibility, and a plan for life’s unexpected moments, this episode is for you.

💌 Connect with Us:

📧 Email: [email protected]

🌐 Website: fiscalclinician.com

📱 Instagram / TikTok / YouTube: @fiscalclinician

🙌 Support the Podcast: Subscribe, rate, review, and share with a fellow healthcare professional who could use practical financial guidance!

⚠️ 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.

Tune in for how to budget with a busy schedule!

Book a 1:1 with Josh:

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

Struggling to make your budget work without feeling restricted? On this episode of The Fiscal Clinician Podcast, Josh Schien and Devon McCord break down a simple, actionable approach for healthcare professionals to take control of their money, crush debt, and build lasting financial freedom—without sacrificing the things you love.

We cover:

• How to create a budget that gives you margin, freedom, and guilt-free spending

• The 4 key categories of money management: Fixed Costs, Short-Term Savings, Long-Term Investments, and Guilt-Free Spending

• A 3-step process to estimate, track, and adjust your budget so your spending aligns with your values

• Tips for automating your finances and avoiding common budgeting mistakes
  Whether you’re married, single, or just ready to take control of your finances, this episode shows you how to manage money intentionally, avoid burnout, and prioritize the life experiences that matter most.

  
  

💡 Schedule a 1:1 Session with Josh:

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

💌 Connect with Us:📧 Email: [email protected]

🌐 Website: fiscalclinician.com

📱 Instagram / TikTok / YouTube: @fiscalclinician

🙌 Support the Podcast: Subscribe, rate, review, and share with a fellow healthcare professional who could use practical financial guidance!

⚠️ 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.

Can you live in Hawaii on a PT salary?

Book a 1:1 with Josh:

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

Ever wondered if you could live in paradise on a physical therapist’s salary? On this episode of The Fiscal Clinician Podcast, Josh Schien and Devon McCord—both physical therapists turned financial coaches—share how they not only survived but thrived living in one of the most expensive states in the U.S.: Hawaii.

Join us as we break down:

• How we built intentional, conscious plans to cover rent, groceries, and utilities without living paycheck to paycheck

• The financial sacrifices that made living in paradise possible (yes, that includes selling a car!)

• Smart side hustles, like DoorDash and Airbnb, that boosted our income and helped pay down debt

• Practical tips for managing money in high-cost areas while still enjoying life

Whether you dream of moving to Hawaii, want to better manage your finances in an expensive city, or are just looking for actionable budgeting and side hustle advice, this episode is packed with insights to help healthcare professionals take control of their money.

💡 Connect & Book a 1:1 with Josh:

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

📧 Email: [email protected]
🌐 Website: fiscalclinician.com
📱 Instagram / TikTok / YouTube: @fiscalclinician

🙌 Support the Podcast:
Subscribe, rate, review, and share with a fellow healthcare professional who could use some money encouragement!

⚠️ 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.

How we paid off six figures of debt under a year

Book a 1:1 with Josh:

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

We’re Josh Schien and Devon McCord—physical therapists turned financial coaches—and in this very first episode, we get real about money in healthcare.

Hear how we met, why we left clinical work for financial coaching, and how we paid off six figures in student loans in just one year. We also share the financial lessons we wish we’d learned in PT school—and practical tips for healthcare professionals ready to take control of their money.

🧠 What You’ll Learn:

• Our journey into healthcare and financial coaching

• Strategies to crush student loan debt

• Mistakes to avoid in grad school and early career

• Realistic money tips for healthcare pros

💡 Connect & Book a 1:1:
📧 Email: [email protected]
🌐 Website | 📱 @fiscalclinician
📅 Schedule a 1:1 session with Josh: Click Here

🙌 Subscribe, rate, review, and share with a fellow healthcare professional who could use some money encouragement!

⚠️ 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.