The Millionaires in Medicine Show

If you're earning a great income but wondering how to build a professional life with more variety, freedom, and impact, this book gives you the framework to make your income work harder for you.

👉 Buy it here: https://www.millionairesinmedicine.com/pabook

What does it look like to build an entire career on top of clinical medicine, not instead of it? In this episode, Kristin sits down with Erich Fogg, a PA who's spent three decades stacking side ventures on top of full-time clinical work: co-founding a national CME company, working as a medical expert witness, serving on the NCCPA board, and now running Pathway to Pass, where he coaches PA students through the highest-stakes exam of their careers.

Erich walks through how each opportunity led to the next almost by accident, starting with moonlighting shifts, then a chance conversation with a mentor, then an unexpected phone call from an attorney that turned into a 20+ year expert witness career. He also shares the story behind his most emotionally powerful venture yet: helping a single failing PA student improve by an enormous margin, and what that experience taught him about coaching people through failure.

Inside, you'll hear:

• How a simple moonlighting shift in the '90s became Erich's first step toward building something outside clinical work
• The behind-the-scenes reality of building a national CME company, including the hidden costs no one warns you about
• How a random phone call from an attorney turned into decades of expert witness work
• The incredible turnaround story that launched Pathway to Pass, and what it revealed about test-taking versus test-writing
• Why the hardest part of retaking a high-stakes exam often isn't content knowledge at all
• What Erich tells students who've failed the PANCE multiple times and are running out of chances
• His honest advice for a new PA who wants a career as varied and entrepreneurial as his own

If you've ever wondered what's possible beyond a single clinical career path, or you're supporting someone stuck after a failed licensing exam, this episode is proof that setbacks don't have to be the end of the story.

Ready for a real plan for your income, debt, and investing? Apply to join the MiM Coaching Program here: https://www.millionairesinmedicine.com/coach

Resources / links

Pathway to Pass: https://pathwaypass.com

Connect with Erich on LinkedIn/Instagram (linked via his website)

Instagram: @pathwaytopass

The PA Millionaire Path: https://www.millionairesinmedicine.com/pabook

Disclaimer

The Millionaires in Medicine Show is for educational and informational purposes only. The content shared is not intended as medical, legal, financial, or investment advice and should not be relied upon as such.

If you're earning a great income but wondering whether clinical medicine is sustainable for the next 10, 20, or 30 years, this book gives you the framework to build real financial security no matter what career path you choose.

👉 Buy it here: https://www.millionairesinmedicine.com/pabook

What if the next chapter of your medical career wasn't clinical at all? In this episode, Kristin sits down with Lauren Curtis, a pharmacist turned product leader with experience at Amazon Pharmacy and PillPack, and now the founder of Hey Health Tech, a platform helping clinicians find careers in the health tech industry.

Lauren shares how she stumbled into health tech almost by accident, why this space has exploded with opportunity in just the last couple of years, and what job titles and search strategies clinicians should actually be using instead of typing "pharmacist remote" into LinkedIn. She and Kristin also dig into realistic compensation ranges, how competitive these roles really are, and the surprisingly small details that can make a resume stand out in a stack of hundreds of applicants.

Inside, you'll hear:

• How Lauren transitioned from community pharmacy into one of the earliest hires at a health tech startup
• The job titles and search terms clinicians should actually be using to find these roles
• A realistic timeline for making a non-clinical transition, and what actually stretches it out
• Why some entry-level health tech roles pay far less than clinicians expect, and where the real compensation range hides
• What actually gets a resume seen in a pool of hundreds (or thousands) of applicants
• A surprising real hiring story about the small, unexpected detail that helped one candidate stand out
• Why your clinical CV might be working against you in a health tech job search
• How AI fits into this career path, and why clinicians who understand it now may have a real advantage later

If you've ever wondered what life outside the bedside could look like, or you're not sure where to even start looking, this episode lays out a real roadmap for exploring health tech as a legitimate next chapter.

Ready for a real plan for your income, debt, and investing? Apply to join the MiM Coaching Program here: https://www.millionairesinmedicine.com/coach

Resources / links

Hey Health Tech newsletter & job board:

• Website: www.heyhealthtech.com
• LinkedIn: https://www.linkedin.com/in/lauren-curtis/
• Instagram: https://www.instagram.com/heyhealthtech/

The PA Millionaire Path: https://www.millionairesinmedicine.com/pabook

Disclaimer

The Millionaires in Medicine Show is for educational and informational purposes only. The content shared is not intended as medical, legal, financial, or investment advice and should not be relied upon as such.

If you're earning a great income but aren't sure your money is actually building toward real wealth, this book gives you the framework to make that income work harder for you.

👉 Buy it here: https://www.millionairesinmedicine.com/pabook

Less than 5% of millionaires in the U.S. are under 35. In this Millionaire Spotlight episode, Kristin sits down with longtime friend Carissa, PA-C, and her husband Stefan, to talk about how they crossed the millionaire mark in their early 30s starting with two ordinary six-figure incomes, a quarter-million dollars in student loan debt, no inheritance, and no dramatic business exit.

Carissa and Stefan walk through their entire journey: the debt-focused years right out of PA school, the exact strategy that let them travel internationally and still throw a wedding while attacking six figures of debt, and what changed the moment they were finally debt-free. They also get honest about the one thing they'd do differently if they could go back, and how becoming millionaires has completely reshaped what their day-to-day life, careers, and family plans actually look like.

Inside, you'll hear:

• How much student loan debt Carissa carried into her career, and how long it took to pay it off
• The exact strategy they used to pay off six figures of debt while still traveling and living life
• What changed financially and personally the moment they became debt-free
• Their current outlook on early retirement, and the age they're targeting to stop working entirely
• Why real estate is the next chapter they're exploring, and the tax strategy behind it
• The one investing regret they both share, even after everything they've accomplished
• The books and resources that shaped their approach to money
• Their single piece of advice for someone who wants to be exactly where they are in 8-10 years

If you've ever assumed a big income, an inheritance, or an unusually frugal lifestyle is required to hit millionaire status early, this episode is proof that it's about the plan, not the paycheck.

Ready for a real plan for your income, debt, and investing?

Apply to join the MiM Coaching Program here: https://www.millionairesinmedicine.com/coach

Disclaimer

The Millionaires in Medicine Show is for educational and informational purposes only. The content shared is not intended as medical, legal, financial, or investment advice and should not be relied upon as such.

The PA Millionaire Path is out! If you're a PA, NP, pharmacist, or physician earning a great income but not sure your money is actually building lasting wealth, this book gives you the framework to change that.

👉 Buy it here: https://www.millionairesinmedicine.com/pabook

A patient walks into the ER with shortness of breath. A stethoscope flags a possible cardiomyopathy. An ultrasound probe estimates LV function. An AI tool reads the chest x-ray. The labs come back. And a diagnosis gets made — without a single diagnostic conversation between clinician and patient. In this solo episode, Kristin walks through why this scenario isn't hypothetical, and what it means for the future of clinical practice.

Kristin breaks down the AI diagnostic tools already authorized and in use today, a wild recent story involving humanoid robots and telerobotic surgery, and a study that challenges a lot of assumptions about which specialties are actually "safe" from AI disruption. She also gets personal about what this means for her own career after a decade in clinical practice, and what she believes separates clinicians who will thrive in this next era of medicine from those who won't.

Inside, you'll hear:

• What's already happening with AI-powered diagnostic tools in real clinical settings today
• Why the specialties long assumed to be "AI-proof" may not be as safe as we think
• A surprising real-world example involving humanoid robots and surgery that raises big questions about the future of procedural medicine
• What a recent Nature Medicine study revealed when general-purpose AI models went head-to-head with FDA-cleared clinical tools
• Why Kristin believes this isn't a doomsday moment — but also isn't one to ignore
• The specific skill set she believes will separate clinicians who stay highly valuable from those who get left behind
• If you've ever wondered whether AI is actually coming for your job, or just assumed your specialty is safe, this episode will challenge some of your assumptions — and might change how you think about your next 10 years in medicine.

Ready for a real plan for your income, debt, and investing? Apply to join the MiM Coaching Program here: https://www.millionairesinmedicine.com/coach

The PA Millionaire Path: https://www.millionairesinmedicine.com/pabook

Disclaimer

The Millionaires in Medicine Show is for educational and informational purposes only. The content shared is not intended as medical, legal, financial, or investment advice and should not be relied upon as such.

The PA Millionaire Path is out! If you're earning great income but feel like taxes are quietly eating into your ability to build real wealth, this book gives you the framework to make your income work harder for you.

👉 Buy it here: https://www.millionairesinmedicine.com/pabook

W-2 or 1099? Employee or contractor? For a lot of PAs, NPs, pharmacists, and CRNAs, that decision gets made without ever fully understanding what's actually on the table — in terms of pay, taxes, deductions, and risk. In this episode, Kristin sits down with Jason Watson, CEO and partner of WCG CPAs and Advisors and a tax expert who's spent decades working specifically with medical professionals, to break down what most clinicians get wrong about contractor income, tax strategy, and real estate.

Jason and Kristin dig into how much more you should actually be earning to make a 1099 contract worth it, why treating your 1099 income "like a business" unlocks a completely different set of tax tools, when an S-Corp election actually saves you money (and when it backfires), and the short-term rental tax strategy that's become one of the most talked-about tools in medicine right now — including exactly what it takes to qualify for it.

Inside, you'll hear:

• The pay increase Jason and Kristin both recommend before accepting 1099 over W-2 work
• Why 1099 income unlocks deductions W-2 employees lost back in 2017
• The income threshold where an S-Corp election starts to actually make financial sense
• A common, costly mistake medical professionals make with S-Corp timing when switching mid-year
• How a recent change to SALT limits is reshaping S-Corp tax strategy in 2026
• Why long-term rentals are great for building wealth but do almost nothing for your tax bill
• The short-term rental loophole, what "material participation" actually requires, and how it can offset W-2 income
• Other advanced (and much riskier) tax strategies Jason sees medical professionals explore, from car washes to oil and gas
• Why Jason says roughly half of his strategy calls end with a client deciding to do nothing — and why that's actually a win

If you've ever wondered whether you're leaving money on the table with your tax strategy, or you're weighing a 1099 opportunity and don't know what questions to ask, this episode will change how you think about your next conversation with a CPA.

Ready for a real plan for your income, debt, and investing?

Apply to join the MiM Coaching Program here: https://www.millionairesinmedicine.com/coach

Resources / links

WCG CPAs & Advisors: https://wcginc.com/tax-center/millionaires-in-medicine

The PA Millionaire Path: https://www.millionairesinmedicine.com/pabook

Disclaimer

The Millionaires in Medicine Show is for educational and informational purposes only. The content shared is not intended as medical, legal, financial, or investment advice and should not be relied upon as such.

Want the exact cards and transfer partners they recommend? Grab our free 2026 Points & Miles Playbook here: https://www.millionairesinmedicine.com/travelhack

What if your next international trip (business class included) didn't have to cost you thousands of dollars? In this episode, Kristin sits down with Matt and Michael, two clinical pharmacy specialists who've turned a travel hacking hobby into serious expertise, visiting 40+ countries largely on points and miles.

Matt and Michael break down exactly how they approach credit card sign-up bonuses, which cards are actually worth their annual fees, the tools they use to track down elite point deals before they disappear, and how they turned one unforgettable multi-country trip into their proudest travel hacking win yet. They also share how they teach this exact system to medical residents so even people early in their careers (and their income) can travel the world without draining their bank account.

Inside, you'll hear:

• How to evaluate whether a credit card's annual fee and sign-up bonus is actually worth it
• The tools and websites they use to track down elite points deals before they disappear
• How to know if a points redemption is actually a "good deal" compared to paying cash
• The strategy behind choosing which loyalty program to transfer your points into
• How they track dozens of card categories and credits without losing their minds
• Why even beginners with just one or two cards can unlock meaningful travel value
• How this exact system has helped friends, family, and medical residents book major trips they didn't think they could afford

If you've ever wondered whether credit card points are actually worth the hassle, or you want to travel more without blowing your budget, this episode lays out a real, tactical system you can start using immediately.

Ready for a real plan for your income, debt, and investing? Apply to join the MiM Coaching Program here: https://www.millionairesinmedicine.com/coach

Resources / links

Michael and Matt help people understand credit card points, travel rewards, award flights, and how to strategically choose cards based on their spending and travel goals.

📧 Michael: [email protected]

📧 Matt: [email protected]

Instagram: @mattmck3nzie | @miguelbpca

Apply to join the MiM Coaching Program: https://www.millionairesinmedicine.com/coach

The PA Millionaire Path: https://www.millionairesinmedicine.com/pabook

Disclaimer

The Millionaires in Medicine Show is for educational and informational purposes only. The content shared is not intended as medical, legal, financial, or investment advice and should not be relied upon as such.

If you're earning a great income but aren't sure your money is actually building toward real wealth, this book gives you the framework to make that income work harder for you.

👉 Buy it here: https://www.millionairesinmedicine.com/pabook

Most conversations about the highest paid physician assistant jobs start with locums, surgical first assisting, or building your own aesthetic practice. But there's a whole category of traditional, salaried PA jobs clearing $200,000+ a year that rarely gets talked about. In this solo episode, Kristin pulls real job postings from September 2026 and walks through nine of the highest paid physician assistant positions in the country right now: where they're located, what experience they actually require, and what the schedules really look like.

Kristin breaks down which specialties keep showing up at the top of the highest paid physician assistant job postings, why some of these roles require surprisingly little experience, and why comparing salary alone can be misleading once you factor in shift structure and effective hourly rate. She also digs into a few standout postings that combine strong pay with a genuinely reasonable schedule, something a lot of PAs assume doesn't exist at this income level.

Inside, you'll hear:

• The specialties that consistently produce the highest paid physician assistant roles
• Why several $200K+ jobs on this list only require 2-5 years of experience, not a decade
• A cardiothoracic surgery posting with a 7-on/7-off schedule and a strong salary range
• An emergency medicine job with a shift structure that may pay more per hour than jobs with a higher listed salary
• Why dermatology salaries posted online often understate real earning potential
• Two orthopedic surgery jobs offering $150K-$230K with Monday-Friday hours, no call, and no evenings
• Why earning a high income is only step one — and what separates high-earning PAs who build wealth from PAs who stay stuck on the income treadmill

If you've ever assumed the highest paid physician assistant jobs require locums work, a side hustle, or a decade of experience, this episode will challenge that assumption with real postings and real numbers.

Ready for a real plan for your income, debt, and investing?

Apply to join the MiM Coaching Program here: https://www.millionairesinmedicine.com/coach

Resources / links

The PA Millionaire Path: https://www.millionairesinmedicine.com/pabook

Disclaimer

The Millionaires in Medicine Show is for educational and informational purposes only. The content shared is not intended as medical, legal, financial, or investment advice and should not be relied upon as such.

If you feel like your student loans are one of the biggest question marks in your financial plan, this book gives you the framework to finally get a handle on your full financial picture... loans included.

👉 Buy it here: https://www.millionairesinmedicine.com/pabook

There's a deadline sitting on the calendar right now tied to a new student loan repayment plan change that could quietly save federal student loan borrowers thousands of dollars, and almost no one in medicine is talking about it. In this episode, Kristin sits down with Millionaires in Medicine's resident student loan expert, Kaitlin Hile, PharmD, BCCP, to break down what's actually new in federal student loan repayment right now, including a major (and temporary) change to autopay, plus a real, all-too-relatable horror story about what can go wrong even when you're doing everything right.

Kaitlin and Kristin walk through exactly what changed with the federal autopay interest rate discount, who actually benefits from this new repayment structure (and who doesn't, mathematically), and what borrowers on Public Service Loan Forgiveness need to know before assuming this helps their bottom line. Then Kaitlin shares a wild personal story involving her own household, a five-figure monthly payment that was never supposed to happen, and hours spent on hold with their loan servicer... plus what it taught her about the risks of setting your loans on autopilot and walking away.

Inside, you'll hear:

• What's actually new with the federal student loan repayment plan and autopay discount, and the exact deadline attached to it
• Whether this new repayment plan benefit helps standard repayment borrowers, PSLF borrowers, both, or neither
• Which loans qualify under the new plan (and which older loan types don't)
• Kaitlin's real story about a recertification error that nearly cost her family thousands in a single month
• Why administrative errors from loan servicers are becoming more common, not less
• What to do if your loans are currently in default
• The truth about the SAVE plan's expiration timeline and how it connects to the new student loan repayment plan rules, plus what happens if you don't make an active choice
• The specific moments in your student loan journey when you should be paying close attention, and when you can safely step back

If you have federal student loans, are pursuing PSLF, or are still sitting on the SAVE plan and trying to understand the new student loan repayment plan landscape, this episode lays out exactly what's changing and what could easily be missed if you're not paying attention.

Ready for a real plan for your income, debt, and investing? Apply to join the MiM Coaching Program here: https://www.millionairesinmedicine.com/coach

The PA Millionaire Path: https://www.millionairesinmedicine.com/pabook

Disclaimer

The Millionaires in Medicine Show is for educational and informational purposes only. The content shared is not intended as medical, legal, financial, or investment advice and should not be relied upon as such.

The PA Millionaire Path is out! If you've ever built a budget that fell apart the second life got busy, this book gives you the framework to build a money system that actually sticks.

👉 Buy it here: https://www.millionairesinmedicine.com/pabook

Why do money habits feel so much harder to stick with than a workout routine — and why does automation actually work better for your finances than it does for your fitness? In this solo episode, Kristin breaks down the real reason most people never build lasting money habits, and lays out a five-layer system for automating your way to wealth without relying on willpower, memory, or motivation ever again.

Inside, you'll hear:

• Why building a money habit is a "design problem," not a willpower problem — and what that actually means for your bank account
• The "60 to 90 day rule" and why you don't feel the results of good (or bad) money decisions nearly as fast as you think
• Why personal finance requires a type of ongoing learning most people quit way too early
• The five layers of financial automation — and why most people only ever get to layer one or two
• The one identity shift Kristin says has to happen before any automation actually works
• A critical warning about a very specific kind of "automation trap" that can leave you working years longer than you planned, even while feeling totally on track

If you've ever set up an automatic transfer and assumed you were "done," or wondered why your budget keeps falling apart every time life changes, this episode will change how you think about money on autopilot — and might reveal a gap in your own system you didn't know was there.

Ready for a real plan for your income, debt, and investing?

Apply to join the MiM Coaching Program here: https://www.millionairesinmedicine.com/coach

Resources / links

The PA Millionaire Path: https://www.millionairesinmedicine.com/pabook

Disclaimer

The Millionaires in Medicine Show is for educational and informational purposes only. The content shared is not intended as medical, legal, financial, or investment advice and should not be relied upon as such.

The PA Millionaire Path is out! If you're earning a solid income but aren't sure your money is actually working toward real wealth, this book gives you the roadmap to change that.

👉 Buy it here: https://www.millionairesinmedicine.com/pabook

We're kicking off a brand-new segment on the show: real spotlights on actual Millionaires in Medicine... clinicians who've crossed the seven-figure mark and are willing to share exactly how they did it.

First up: Chelsea and Peter Moran, two clinical pharmacists who did not have a surgical subspecialty income, did have student loan debt, did have a kid to plan for, and still managed to build a seven-figure net worth years ahead of the national average.

In this episode, Kristin sits down with Chelsea and Peter to unpack their entire wealth-building journey: the offhand piece of advice during residency that first got them thinking seriously about their finances, the systems and habits that took them from "just saving for a house" to full-blown early retirement planning, and the exact age they crossed the millionaire mark. They also get honest about the money moves they'd do differently if they could go back — including one tax filing mistake tied to student loan payments that Chelsea still winces about.

Inside, you'll hear:

• What first got this pharmacist couple thinking beyond "just max out your 401k"
• The exact age they crossed seven figures — and how that compares to national millionaire data
• How long it actually took from their first intentional money move to hitting millionaire status
• Why automation became one of their biggest wealth-building tools
• How having a child changed (and motivated) their financial planning
• The personal finance books that shaped how each of them thinks about money
• A costly tax filing mistake tied to student loan repayment that cost them big — and what they'd do differently
• Their honest take on balancing a house down payment with investing
• What their current early retirement timeline actually looks like

If you've ever felt like becoming a millionaire in medicine is only possible for high-earning specialists, this episode is proof that it's not about your paycheck — it's about the plan. This is a real, unfiltered look at how two everyday clinicians built extraordinary wealth, and it might just change how you think about your own numbers.

Ready for a real plan for your income, debt, and investing?

Apply to join the MiM Coaching Program here: https://www.millionairesinmedicine.com/coach

Resources / links

Apply to join the MiM Coaching Program: https://www.millionairesinmedicine.com/coach

The PA Millionaire Path: https://www.millionairesinmedicine.com/pabook

Disclaimer

The Millionaires in Medicine Show is for educational and informational purposes only. The content shared is not intended as medical, legal, financial, or investment advice and should not be relied upon as such.