Are you tired of traditional budgeting—or feel like tracking every $4 coffee isn’t actually helping you build wealth?

In this episode, Dr. Abhishek Gadre introduces Macro Budgeting — the big-picture, annual cash-flow strategy physicians and high-income professionals use to understand exactly where their money goes and how to continuously improve their financial life year after year.

Instead of obsessing over daily expenses, macro budgeting teaches you how to measure your Total Income Package, Total Tax Package, Total Savings Package, and Total Spending Package so you can quickly calculate your Net Savings Rate — the #1 indicator of long-term wealth.

You Will Learn:✅ What macro budgeting is — and why high earners need it✅ The difference between micro budgeting vs. macro budgeting
✅ How to calculate your Total Income, Tax, Savings & Spending Packages
✅ How to find the correct lines on Form 1040 for your financial analysis
✅ How to determine your personal Net Savings Rate (and why it matters)
✅ How to categorize your savings into Pretax, Roth, and Taxable buckets
✅ A real example of a family improving their yearly cash-flow strategy
✅ How to review and update your macro budget in just 5 minutes per year

Stop guessing where your money goes. Start mastering your yearly cash flow like a pro — and build wealth with confidence.

#macrobudgeting #personalfinance #doctorfinance #cashflowplanning #highincomeearners #moneyMattersMD #physicianfinance #financialplanning #networthgrowth #savingsrate #budgetingtips

Are you a high-income physician, specialist, or professional wondering how to legally contribute to a Roth IRA despite earning above IRS limits?

In this episode, Dr. Abhishek Gadre breaks down the complete Backdoor Roth IRA process — the IRS-approved strategy that allows high earners to build tax-free retirement wealth even when they “make too much” for a regular Roth contribution.

You’ll learn the exact step-by-step approach physicians use to stay compliant, avoid the Pro-Rata Rule, and convert contributions cleanly every single year. We also walk through the Vanguard process, show how to clear out pre-existing IRA balances, and explain which tax forms you’ll receive so you don’t get blindsided during tax season.

You Will Learn:✅ What a Backdoor Roth IRA is — and why it’s 100% legal✅ 2025 income limits and contribution rules✅ Traditional IRA → Roth IRA conversion explained simply✅ How to avoid the IRS Pro-Rata Rule (major mistake doctors make!)✅ How to zero out Traditional, SEP, and SIMPLE IRA balances✅ How to invest inside your Roth IRA (so it doesn’t sit in cash)✅ Key tax forms you’ll receive: 1099-R & IRS Form 8606

Stop letting income limits hold you back. Listen now and start building tax-free wealth the right way.

#backdoorroth #rothira #doctorfinance #highincomeearners #physicianfinance #taxfreeretirement #MoneyMattersMD #retirementplanning #financialeducation #form8606

Are you a self-employed physician or high-income 1099 contractor looking to dramatically cut your tax bill and supercharge retirement savings?

In this essential episode, Dr. Abhishek Gadre reveals the advanced strategy of combining a Solo 401(k) with an S-Corporation to legally save tens of thousands in taxes every year.

Learn the exact blueprint used by Dr. Smith to cut their taxable income from $300,000 to just $236,000, all while hitting a $70,000 401(k) contribution target.

You Will Learn:

• ✅ The critical difference between Standard vs. Custom Solo 401(k)s.

• ✅ How to structure your S-Corp income (W-2 vs. K-1 split) for maximum tax efficiency.

• ✅ Two Advanced Strategies to hit the maximum legal 401(k) contribution.

• ✅ The Mega Backdoor Roth strategy for building tax-free wealth as a high earner.

• ✅ Key IRS forms and thresholds (e.g., the $250K plan limit) you must know.

Stop overpaying the IRS. Listen now to transform your tax game and build serious wealth.

#solo401k #doctorfinance #moneymattersmd #scorp #1099Doctor #taxsavings #retirementplanning #financialfreedom #wealthbuilding #physicianfinance

How to LEGALLY Kick Uncle Sam Out of Your Retirement — ROTH IRA 101

Would you like to hand over up to half of your retirement savings to Uncle Sam (IRS)? 😬

If your answer is no, this episode is a must-listen.

In this episode, Dr. Abhishek Gadre breaks down ROTH IRA 101 — the simplest, most legal way to grow tax-free wealth and protect your hard-earned money from future taxes. You’ll learn how the 3 Tax Buckets work, how a ROTH IRA compounds completely tax-free, and why it’s one of the most powerful tools for long-term investors.

✅ What You’ll Learn

1. How to keep Uncle Sam out of your retirement
2. The 3 Tax Buckets: Pre-Tax vs ROTH vs Taxable
3. Real case study: how taxes can erase 20% of your portfolio
4. 2026 contribution & income limits explained
5. What is the Backdoor ROTH IRA (for high-income earners)
6. Why compounding + tax-free growth beats speculation
7. A $1K/month real example of 30-year tax-free growth

Perfect for physicians, professionals, and investors who want to maximize their retirement savings, minimize taxes, and build lasting wealth — the smart, legal way.

#MoneyMattersMD #ROTHIRA #TaxFreeInvesting #RetirementPlanning #FinancialEducation #WealthBuilding #DoctorFinance #TaxFreeGrowth #InvestingPodcast #CompoundInterest

How to Recession-Proof Your Portfolio in an AI-Driven Market?

AI stocks like NVIDIA, Microsoft, and Google are soaring — but valuations are stretched, concentration risk is rising, and history shows bubbles eventually burst.

In this episode, Dr. Abhishek Gadre breaks down how to protect your wealth if the AI boom cools — while still benefiting if it continues.

✅ What You’ll Learn

• Warning signs: Buffett Indicator & Shiller PE

• Why large-cap tech concentration is risky

• Factor investing and why value + small caps matter

• International diversification outlook

• Why bonds are back

• A sample evidence-based portfolio

• Common investing mistakes to avoid

Perfect for investors, professionals, and anyone curious about creating a recession-proof portfolio.

#MoneyMattersMD #AIBubble #StockMarket #InvestingPodcast #BuffettIndicator #FactorInvesting #FinancialEducation #Diversification #MarketCorrection #AIStocks

AI is transforming the world — but could it also be inflating stock prices beyond reason? The data suggests we might be in dangerous territory.

In this episode of Money Matters MD, Dr. Abhishek Gadre reveals the metrics and trends that every investor needs to know before the next correction hits.

You’ll discover:
✅ What the CAPE Ratio and Buffett Indicator reveal about market overvaluation
✅ Why tech sector concentration is making the market fragile
✅ The 3 major stressors threatening the economy right now
✅ How to diversify your portfolio and protect your investments

Perfect for investors, professionals, and anyone curious about whether the AI boom is creating the next big market bubble.

#MoneyMattersMD #AIBubble #StockMarket #InvestingPodcast #BuffettIndicator #CAPEratio #FinancialEducation #InvestSmart #MarketCorrection #AIStocks

LLC vs S-Corp vs Sole Proprietorship: How to Choose the Right One 💼
Picking the wrong business setup can cost you thousands — but the right one can protect your assets and save you money on taxes.

In this episode of Money Matters MD, Dr. Abhishek Gadre breaks down Sole Proprietorships, LLCs, and S-Corps in plain English — with real-world examples for busy professionals.

You’ll discover:
✅ The tax traps of Sole Proprietorships
✅ Why LLCs protect you but don’t cut taxes
✅ How S-Corps help you legally lower self-employment tax
✅ When switching to an S-Corp makes sense

Perfect for doctors, freelancers, and side hustlers who want to keep more of what they earn.

#MoneyMattersMD #DoctorFinance #LLCvSSCorp #SelfEmployed #SmallBusinessTaxes #FinancialFreedom

Why I Fired My Financial Advisor: The Dark Secrets Exposed

In this episode, I share how bad financial advice cost me thousands — from student loan mistakes to overpriced insurance and loaded mutual funds. Learn the 5 costly lessons that helped me take control of my money and build true financial freedom.

You’ll discover:

1️⃣ Why paying off debt beats risky investing

2️⃣ The truth about Whole vs Term Life Insurance

3️⃣ How high-fee mutual funds eat your returns

4️⃣ The hidden costs of unnecessary insurance

5️⃣ How financial education changes everything

After years of mistakes, I finally fired my advisor — and even helped my parents plan their retirement.

 🎧 Tune in for real stories, hard lessons, and smart money tips for doctors and high earners.#FinancialFreedom

#MoneyMattersMD #InvestingTips #PersonalFinance

Are mutual funds still worth it? Or should you stick with index funds and ETFs for smarter investing? 🤔

In this episode of Money Matters MD, Dr. Abhishek Gadre breaks down:

• What mutual funds are and why 90% fail to beat the market

• The origin of index funds (Jack Bogle’s Vanguard revolution in 1976)

• The rise of ETFs in 1993 and how they changed investing forever

• The evolution of active ETFs after 2008

• My final ranking of investment vehicles (from worst to best)

💡 Whether you’re a beginner or a seasoned investor, this episode will help you understand the differences, avoid high fees, and build long-term wealth with the right investment strategy.

👉 Listen now to learn why index funds consistently win — and how you can use them to reach financial independence.

Stop leaving money on the table!

Learn the 401(k) "Tic-Tac-Toe" strategy for 2025. We break down Pre-Tax, Roth, and After-Tax buckets, Mega Backdoor Roth moves, and the essential 2025 IRS contribution limits.

Maximize your savings and gain tax flexibility for retirement! Perfect for W-2 employees & Solo 401(k) users.