Explorez tous les épisodes du podcast beyond MD with Dr. Yatin Chadha

Welcome to the 2nd episode in the series, The Journey to Financial Independence.

These are conversations focusing on actions that moved the needle, mistakes made, and lessons learned over time.

Today I sit down with my friend & colleague, Dr. Ketan Kulkarni, a pediatrician (specializing in Hematology & Oncology) at Dalhousie University.

Discussion Points:

- measuring success beyond accolades & income (01:03)

- How Ketan defines success in his life today (7:43)

- Lessons learned as an author (16:47)

- How Ketan's interest in money developed (19:42)

- Ketan's financial focus today (24:26)

- How to find the right financial planner (26:16)

- Ketan's investing approach (33:10)

- Habits that moved the financial needle (45:36)

- Financial mistakes (49:26)

- Goals for the next 5-10 years (55:22)

- What Ketan wants to be known for (57:32)

- The best advice Ketan has received (58:43)

Ketan Kulkarni:

LinkedIn: https://www.linkedin.com/in/drketankulkarni/

Ketan's books:

https://www.amazon.ca/Legendary-Quest-Professionals-Excellence-Fulfillment/dp/B09TWPHFFR

https://www.amazon.ca/Soar-souls-quest-Ketan-Kulkarni-ebook/dp/B0DMTPQ99T

https://www.amazon.ca/Savvy-Physician-Financial-Physicians-Professionals/dp/B0FLVPZY95

Yatin Chadha:

Newsletter: https://www.beyondmd.ca/newsletter
Website: https://www.beyondmd.ca/
LinkedIn: https://www.linkedin.com/in/yatin-chadha/
Email: yatin@beyondmd.ca

Amex cobalt: https://americanexpress.com/en-ca/referral/cobalt?ref=yATINCBnmM&XLINK=MYCP

What if our online businesses and websites are not optimized for discoverability in an AI world? How do we fix this and broaden our impact?

This is the topic du jour and I'm excited to host Kyle Kotac & Arjun Saraf, CPA, CA, EMD - co founders of findable.ai.

Discussion points:

What is findable? (1:31)

The nature of search - google and AI (5:53)

The signals  AI looks for when making businesses discoverable (15:34)

The mistakes businesses are making (17:46)

AI crawlability (20:35)

How Findabl helps with discoverability (21:35)

Seeing positive results (24:34)

Success stories (26:51)

Keeping up with the evolving AI landscape (29:17)

Any cybersecurity risk? (32:07)

Unpacking Kyle & Arjun's journies (33:41)

Business advice (40:38)

Best advice they've received (44:44)

Findabl.ai:

https://www.findabl.ai/

The first 10 people can use BEYONDMD450  to get 50% off for the first 4 months.

Yatin Chadha:

Newsletter: https://www.beyondmd.ca/newsletter
Website: https://www.beyondmd.ca/
LinkedIn: https://www.linkedin.com/in/yatin-chadha/
Email: yatin@beyondmd.ca

Amex cobalt: https://americanexpress.com/en-ca/referral/cobalt?ref=yATINCBnmM&XLINK=MYCP

Welcome to the journey to financial independence. These are conversations with our colleagues to understand the good decisions, mistakes, & lessons learned along the way.

Today I'm delighted to host Dr. Mark Soth, aka the Loonie Doctor.

Discussion points:

When did Mark start to get interested in finance? (2:15) 

The Loonie Doctor blog (3:22) 

Mark's most popular blog posts (4:30) 

Mark's definition of time freedom (6:50) 

Core decisions leading to a strong financial foundation (10:42)

Less common financial moves that helped Mark (14:36)

How Mark rebalances his investment portfolio (20:03)

Financial mistakes (23:12)

Golden handcuffs in medicine (29:22)

Making money decisions with your spouse (35:42)

What does the Loonie Doctor like to spend on? (42:20)

Mark's ideal life 5-10 years from now (46:10)

Teaching the kids about money (47:42)

The best advice Mark has received (51:00)

Mark's advice to new physicians (52:37)

Mark Soth:

Blog: https://www.looniedoctor.ca/

Money Scope pod: https://open.spotify.com/show/7lc6NYl4ZdLtIg8uzDbuwD

Yatin Chadha:

Newsletter: https://www.beyondmd.ca/newsletter
Website: https://www.beyondmd.ca/
LinkedIn: https://www.linkedin.com/in/yatin-chadha/
Email: yatin@beyondmd.ca

Amex cobalt: https://americanexpress.com/en-ca/referral/cobalt?ref=yATINCBnmM&XLINK=MYCP

Welcome to hardest and most important thing in investing!

Chapters:

- the panicked investor (00:49)

- let's hibernate (4:29)

- the fidgety investor (6:57)

- 2 patient investors (12:01)

- the 8th wonder of the world (14:36)

- stay invested (16:03)

This episode is brought to you by Clever Consult: https://www.cleverconsult.ai/

Papers & books:

VIX:

https://www.linkedin.com/pulse/opportunity-volatility-analyzing-sp-500-returns-vix-entry-miller-ojtec/

Winning the Loser's Game:

https://www.amazon.ca/Winning-Losers-Game-6th-Strategies/dp/0071813659

Yatin Chadha:

Newsletter: https://www.beyondmd.ca/newsletter
Website: https://www.beyondmd.ca/
LinkedIn: https://www.linkedin.com/in/yatin-chadha/
Email: yatin@beyondmd.ca

Radiology Courses for Clinicians:

https://beyondradiology.thinkific.com/courses/ct-head-interpretation-course

https://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course

Amex credit card referral link:

https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC4uFw&XLINK=MYCP

I used AI to generate a financial plan & life roadmap and then I gave this to 2 experts for review. Today I'm thrilled to host Mark McGrath, CFP, and Aravind Sithamparapillai, CFP, on the show.

Mark McGrath is a leading Canadian voice in evidence-based finance & founded his own advice-only practice called Phynance, where he helps physicians with financial planning. He is also co-author of “Wealthier: The Investing Field Guide for Canadian Millennials.”

Aravind Sithamparapillai is a financial planner and founder of AMA wealth. Last year, Aravind earned his CFP® designation with the highest exam score in the country, placing him at the top of the CFP® Exam President’s List. He was also selected for FP Canada’s Emerging Leader’s Award.

Discussion Points:

Part 1 

- introductions (2:24)

- my AI inputs and outputs (5:18)

- Mark & Aravind's initial reflections (9:25)

Part 2 - Limitations (26:17)

- knowing how much one will spend in retirement, stress testing, compensation strategies

Part 3 - Tax efficiency

 - RRSP debates (43:05)

- Individual pension plan (46:01)

- Home equity line of credit/HELOC (51:15)

- Permanent life insurance (58:40)

Part 4 - Top priorities - (1:07:32)

Mark McGrath:

phynance.ca 

https://www.linkedin.com/in/markmcgrathcfp/

Aravind Sithamparapillai:

https://amawealth.ca/

https://www.linkedin.com/in/sithamparapillai/

Yatin Chadha:

Newsletter: https://www.beyondmd.ca/newsletter
Website: https://www.beyondmd.ca/
LinkedIn: https://www.linkedin.com/in/yatin-chadha/
Email: yatin@beyondmd.ca

Radiology Courses for Clinicians:

https://beyondradiology.thinkific.com/courses/ct-head-interpretation-course

https://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course

Amex credit card referral link:

https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC4uFw&XLINK=MYCP

Today we dive into Self-Storage investments.

My guest is Clint Harris. Clint is a former medical sales professional turned real estate investor and co-host of the podcast, Truly Passive Income. After spending 16 years working alongside physicians and clinical teams, Clint gained firsthand insight into the demanding schedules, pressures, and financial challenges healthcare professionals face. While still working full time in medical sales, Clint began building passive income through real estate investing, ultimately transitioning into large-scale commercial projects. Today, he is a General Partner at Nomad Capital, where he helps develop and operate cash-flowing commercial assets and has helped raise capital for over $150 million in stabilized properties. Clint now focuses on educating busy medical professionals on how to invest passively - allowing them to continue practicing medicine while their money works for them. His approach emphasizes simplicity, diversification, and long-term financial stability without sacrificing time or patient care  

Discussion points:

- Clint's introduction and exposure to storage investing (2:30)

- meeting his partners (10:01)

- Nomad Capital (13:00)

- Mid-long term storage thesis (15:49)

- Optimizing margins in storage (24:43)

- Cost control measures (29:24)

- Occupancy trends in storage (32:56)

- Headwinds & tailwinds (35:21)

- Syndications & the tough questions to ask (38:22)

- Timelines (44:32)

- Closing thoughts (46:11)

Clint Harris:

Website:  https://nomadcapital.us
LinkedIn: www.linkedin.com/in/clint-harris-543265139
YouTube: https://www.youtube.com/channel/UCe0F1abrRXQX2KpSl5qEnoA
Podcast: https://podcasts.apple.com/us/podcast/truly-passive-income/id1693667029

Yatin Chadha:

Newsletter: https://www.beyondmd.ca/newsletter
Website: https://www.beyondmd.ca/
LinkedIn: https://www.linkedin.com/in/yatin-chadha/
Email: yatin@beyondmd.ca

I'm thrilled to interview Mathieu Martin (CFA) to discuss his approach to investing in microcap stocks.

Mathieu is the portfolio manager for the microcap fund at Rivemont.

Discussion points:

- Mathieu's introduction (1:18)

- Lesson's from poker (3:40)

- Why microcaps (5:13)

- Rivemont microcap fund overview (6:32)

- Mathieu's 3 key investing pillars (10:58)

- How to screen for opportunities (14:04)

- Mathieu's research process (16:46)

- Old economy businesses vs software companies (20:26)

- When to sell a losing position (23:45)

- Mathieu's best investment (26:40)

- Unsuccessful investments & lessons (33:01)

- D-Box Technologies, DBO.TO (39:28)

- Zedcor, ZDC.V (46:50)

- Firan Technology Group, FTG.TO (49:50)

- Lotus Creek Exploration, LTC.V (53:48)

- BQE Water, BQE.V (56:09)

- Medicure, MPH.V, (1:01:31)

- Kits eyecare, KITS.TO (1:02:55)

- How to approach investing in microcaps (1:08:20)

- Who should not invest in microcaps? (1:10:00)

- Where you can learn more about Mathieu's fund, blog (1:12:18)

This episode is brought to you by Clever Consult: https://www.cleverconsult.ai/

Mathieu Martin:

Mathieu.martin@rivemont.ca

https://www.linkedin.com/in/mathieu-martin-cfa-abb9a6b0/

https://stocksandstones.substack.com/

https://rivemont.ca/en/

Yatin Chadha:

Newsletter: https://www.beyondmd.ca/newsletter

Website: https://www.beyondmd.ca/

LinkedIn: https://www.linkedin.com/in/yatin-chadha/

Email: yatin@beyondmd.ca

I am delighted to re share the most popular episode of all time, featuring international best selling author, Andrew Hallam

We have a wide ranging discussion on the pillars of a successful life, the relationships between money & home ownership & happiness, spending money to enhance life satisfaction, evidence-based investing for success & simplicity, relationships, purpose, & lessons learned living abroad.

Discussion Points/Chapters:
- Andrew's background (1:28)
- The requisites of a balanced & successful life (5:23)
- The relationship between income and happiness (7:18)
- How should we spend our money? (10:28)
- The desert island litmus test (15:43)
- Is home ownership associated with happiness? (17:53)
- Is our happiness impacted by the neighbourhood we live in? (21:47)
- How much of our income should we spend on a home? (24:58)
- Why our investment horizon should be 30+ years (26:58)
- Should you lump sum invest now or wait? (31:18)
- Andrew's take on one stop shop ETFs (37:48)
- My investment approach & challenges (42:18)
- Key questions to as a financial advisor (46:09)
- How to think less about $$ and embrace balance (49:48)
- Why relationships are so important (52:47)
- Meaningful relationships in a world where social media is ubiquitous (54:26)
- Lessons from living abroad, advice for those considering it (58:48)
- The power of giving (1:02:18)
- Finding your purpose (1:04:23)
- My perspectives (1:09:03)

Andrew's books:
https://www.amazon.ca/Balance-Invest-Happiness-Health-Wealth/dp/1774580756

https://www.amazon.ca/Millionaire-Teacher-Wealth-Should-Learned/dp/0470830069

https://www.amazon.ca/Millionaire-Expat-Wealth-Living-Overseas/dp/111941189

Yatin Chadha:

Newsletter: https://www.beyondmd.ca/newsletter

Website: https://www.beyondmd.ca/

LinkedIn: https://www.linkedin.com/in/yatin-chadha/

Email: yatin@beyondmd.ca

Welcome to office hours on beyond MD where I answer the most popular questions I have been receiving.

Question 1: How do I get unstuck and find more joy at work?

Method 1 - shift expectations (0:17)

Method 2 - a dose of perspective (3:08)

Method 3 - find new rabbit holes at work (5:38)

Method 4 - connect work to your life view (9:56)

Method 5 - maintaining our outside interests (13:13)

Question 2: How can one make time for creative work while practicing clinically? (15:25)

The anatomy of an energy audit (17:47)

Question 3: What pushed you do do a fellowship outside of Canada? (22:04)

Yatin Chadha:

Newsletter: https://www.beyondmd.ca/newsletter

Website: https://www.beyondmd.ca/

LinkedIn: https://www.linkedin.com/in/yatin-chadha/

Email: yatin@beyondmd.ca

Today I welcome Jordant Arndt, a Certified Financial Planner from Saskatoon to talk about the science, happiness, and finance behind charitable giving.

Discussion Points:

Jordan's intro (2:07)

How Jordan's interest in charitable giving developed (4:41)

Making charity part of our financial fabric (6:24)

What are key reasons people want to give? (8:51)

Happiness and giving - the evidence (9:58)

Where to begin with finding a charity? (14:35)

Questions to ask charities (17:07)

Finances behind giving - donation tax credits & deductions (18:51)

Writing off taxable income and carry forward (22:08)

Tax efficient donating from corporation (23:05)

Donor advised funds, set up (26:07)

DAF mechanics (28:38)

Closing thoughts (35:00)

This episode is brought to you by Clever Consult: https://www.cleverconsult.ai/

Papers, talks, resources from this episode:

https://wellbeing.research.mcgill.ca/publications/Aknin-et-al-JPSP2013-prosocial-spending-happiness-with-appendix.pdf

https://www.ted.com/talks/elizabeth_dunn_helping_others_makes_us_happier_but_it_matters_how_we_do_it

DAFs:

https://www.givewise.ca/blog/giving-philanthropy/donor-advised-fund-canada-checklist

https://kciphilanthropy.com/wp-content/uploads/2023/05/DAFs-in-Canada-KCI-CAGP-Report-May-2023-2.pdf

Jordan Arndt:

Linkedin: https://www.linkedin.com/in/jordan-arndt-cfp/

Email: jordan@ennsbaxter

Yatin Chadha:

Newsletter: https://www.beyondmd.ca/newsletter

Website: https://www.beyondmd.ca/

LinkedIn: https://www.linkedin.com/in/yatin-chadha/

Email: yatin@beyondmd.ca

Discussion points:

- Assuris history correction (1:00)

- High cash values in early years (2:15)

- Interest on the loan (3:40)

- Life and liquidity (5:32)

- Other considerations (7:25)

- Summary (9:10)

I welcome Donny Mangos - father, entrepreneur, author, and podcaster. Donny shares his perspectives on participating whole life (WL) insurance, with a focus on how to optimize policies and use them while alive.

Discussion points:

Donny's intro (2:35)

Broad perspectives on whole life (WL) insurance (4:55)

When Donny begin to learn about WL (6:55)

Quick overview on WL (9:30)

WL attributes for wealth strategy (12:35)

Other aspects of WL (16:00)

Investments, risk (19:35)

Understanding WL through an illustration (27:44)

Growth rates (37:18)

Good vs bad policies (38:37)

Advisors and commissions (41:44)

Must ask questions (44:29)

"In the money" (45:54)

Liquidity (46:44)

Using a corporate policy personally (53:19)

Multiple buckets (56:52)

Personal vs corporate loans (58:50)

Grey areas (1:00:22)

Who should not do this (1:02:54)

Donny's Links:

Book: https://www.amazon.ca/Get-Wealthed-Up-Build-Mansion/dp/1998528197

Podcast: https://podcasts.apple.com/us/podcast/wealthed-up-with-donny-mangos/id1825202487

Site: https://wealthedup.com/

Email: donny@wealthedup.com

Yatin's Links:

Newsletter: https://www.beyondmd.ca/newsletter

Website: https://www.beyondmd.ca/

LinkedIn: https://www.linkedin.com/in/yatin-chadha/

Email: yatin@beyondmd.ca

Welcome to part 4 of the wealth formula, which focuses on understanding our definition of enough.

We begin with a more philosophical discussion and move to rough numbers later only to help illustrate concepts.

Discussion points:

- introduction (1:33)

- Businessman & fisherman (2:43)

- Research on happiness, income (5:26)

- Understand and visualize your ideal life (11:50)

- What our life could cost (14:04)

- Withdrawal rates, portfolio size (15:52)

This episode is brought to you by Clever Consult: https://www.cleverconsult.ai/

The 5 Types of Wealth: https://www.the5typesofwealth.com/

Links to videos:

Ben Felix:

https://youtu.be/S9InNdQhFwc?si=RTCDG1wUWvEV7vva 

https://youtu.be/1FwgCRIS0Wg?si=7GKWwIB7r_fyUh23 

Blueprint Financial: 

https://youtu.be/BhlWUkwZoRo?si=ai66rrz0DqV7iGCq 

Yatin's Links:

Newsletter: https://www.beyondmd.ca/newsletter

Website: https://www.beyondmd.ca/

LinkedIn: https://www.linkedin.com/in/yatin-chadha/

Email: yatin@beyondmd.ca

Radiology courses for clinicians:

https://beyondradiology.thinkific.com/courses/ct-head-interpretation-course

https://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course

Papers cited in this episode:

A wandering mind is unhappy:

https://greatergood.berkeley.edu/images/uploads/A_Wandering_Mind_Is_an_Unhappy_Mind.pdf

Income satiation and turning points:

https://www.flightfromperfection.com/files/post_attachments/jebb_et_al_2018.pdf

I love under-discussed & relevant topics, so I'm thrilled to host Dr. Nikhil Patil to discuss SR&ED (Scientific, Research & Experimental Development) credits for Canadian professionals.

Discussion points:

- introduction (1:37)

- what are SR&ED credits? (6:01)

- eligibility with examples (7:42)

- qualifying activities (14:15)

- Impact of other grants (16:22)

- How much can be claimed? (17:31)

- What the SR&ED claim process looks like (21:57)

- Best practices to reduce audits (28:38)

- Where does one start? (34:18)

- Closing thoughts (37:00)

Dr. Nikhil Patil:

nikhil@innovotis.com

https://www.innovotis.com/

https://www.linkedin.com/in/nikhilpatilmd/

Yatin:

Newsletter: https://www.beyondmd.ca/newsletter

Website: https://www.beyondmd.ca/

LinkedIn: https://www.linkedin.com/in/yatin-chadha/

Email: yatin@beyondmd.ca

Many of us have substantial equity in our homes. How can we use it to grow our wealth?

I'm joined by Matt Lee & Ming Lim from Volition properties to unpack HELOCs (home equity line of credit), the Smith Manoeuvre (routine and supercharged), & reverse mortgages.

The episode kicks off by discussing life goals & our why, which is critical to nail down before embarking on any wealth strategy.

This episode is brought to you by Clever Consult: https://www.cleverconsult.ai/

Discussion points:

Goal setting & our Belize (3:03)

My goals (13:50)

Risks & mitigation in real estate investing (15:55)

HELOCs (24:45)

The Smith Manoeuvre (29:05)

The supercharged Smith Manoeuvre (33:45)

Why the Smith Manoeuvre is not for everyone (39:25)

Reverse mortgages (46:19)

Trends in Toronto multifamily investing (54:54)

Volition Properties: 

https://www.volitionprop.com/

matthew@volitionprop.com

ming@volitionprop.com

Yatin's Links:

Newsletter: https://www.beyondmd.ca/newsletter

Website: https://www.beyondmd.ca/

LinkedIn: https://www.linkedin.com/in/yatin-chadha/

Email: yatin@beyondmd.ca

Radiology courses for clinicians:

https://beyondradiology.thinkific.com/courses/ct-head-interpretation-course

https://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course

Welcome to part 3 of the wealth formula - investing.

Investing allows us to plant seeds for the live we wish to live - both today and later.

Discussion points:

- Japan (00:00)

- The wealth formula (1:23)

- Return vs effort (2:43)

- The power of time (5:00)

- Focusing on what's in our control (9:48)

- Signal vs noise (11:25)

- Valuation/CAPE ratio (12:56)

- Investing during lost decades (15:50)

- Geographical diversification (18:52)

Useful websites:

https://www.lynalden.com/shiller-pe-cape-ratio/

http://www.econ.yale.edu/~shiller/

Newsletter: https://www.beyondmd.ca/newsletter

Website: https://www.beyondmd.ca/

LinkedIn: https://www.linkedin.com/in/yatin-chadha/

Email: yatin@beyondmd.ca

Radiology courses for clinicians:

https://beyondradiology.thinkific.com/courses/ct-head-interpretation-course

https://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course

Amex credit card referrals: https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINCnPBE&XLINK=MYCP

Dr. Gwynn Curran-Sills wears many hats: an emergency physician, a real estate investor, and a devoted family man. Today, Gwynn talks about what he's learned growing real estate portfolio in Western Canada to 199 units, his thoughts on intergenerational wealth, and lessons from a year-long sabbatical in Spain.

Discussion Points:

- introduction (2:02)

- how Gwynn's interest in real estate developed (5:32)

- the decision to focus on real estate in Western Canada (7:50)

- Portfolio size and vision (15:32)

- Value add strategies (19:32)

- Do's and don'ts when investing out of province (20:50)

- Does real estate still provide a good inflation hedge? (23:11)

- Gwynn's why with RE investing (24:25)

- Thoughts on intergenerational wealth (26:25)

- Gwynn's sabbatical in Spain (31:00)

- What does success look like? (40:15)

Gwynn Curran-Sills:

gwynn.curran-sills@medportal.ca

www.linkedin.com/in/gwynn-curran-sills-b7778410a

Yatin Chadha:

Newsletter: https://www.beyondmd.ca/newsletter

Website: https://www.beyondmd.ca/

LinkedIn: https://www.linkedin.com/in/yatin-chadha/

Email: yatin@beyondmd.ca

Radiology courses for clinicians:

https://beyondradiology.thinkific.com/courses/ct-head-interpretation-course

https://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course

Amex credit card referrals: https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINCnPBE&CPID=100606829

Welcome to part 2 of the wealth formula - meaningful spending.

Time stamps:

- newsletter (0:30)

- the wealth formula (0:53)

- the spending pie chart (1:39)

- the biology of spending (6:20)

- mindful spending gives us control (9:05)

- good spending focuses on relationships (10:40)

Amex credit card referrals: https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINCnPBE&CPID=100606829

Newsletter: https://www.beyondmd.ca/newsletter

Website: https://www.beyondmd.ca/

LinkedIn: https://www.linkedin.com/in/yatin-chadha/

Radiology courses for clinicians:

https://beyondradiology.thinkific.com/courses/ct-head-interpretation-course

https://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course

Books discussed in this episode:

Die with Zero:

https://www.amazon.ca/Die-Zero-Getting-Your-Money/dp/0358567092

Balance:

https://www.amazon.ca/Balance-Invest-Happiness-Health-Wealth/dp/1774580756

Welcome to the first of a 4 part series on the wealth formula.

This episode focuses on understanding and optimizing our income.

Today's episode is dedicated to our colleague, Dr. Mike Fralick, who recently passed away.

Time Stamps:

- Remembering Mike Fralick (0:06)

- Spam attacks, newsletter (1:34)

- The wealth formula (3:05)

- Optimizing income (5:30)

- Extra shifts (9:32)

- Protecting income (12:15)

- Diversifying income (14:32)

Go Fund Me for Mike's family: https://www.gofundme.com/f/michael-fralick-v5eja

Radiology courses for clinicians:

https://beyondradiology.thinkific.com/courses/ct-head-interpretation-course

https://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course

Links:

Newsletter: https://www.beyondmd.ca/newsletter

website: https://www.beyondmd.ca/

LinkedIn: https://www.linkedin.com/in/yatin-chadha/

Amex credit card referrals: 

https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINCnPBE&CPID=100606829

Today I interview the person who has taught me the most about what it takes to live a rich and meaningful life - my dad, Ashok Chadha.

We talk about the importance of dreams, curiosity, taking chances, entrepreneurship, & building an identity around multiple life pillars.

Time stamps:

- Embracing curiosity and following your dreams (2:37)

- Taking the plunge and moving to Canada (6:05)

- Finding joy at work and enjoying a long medical career (8:49)

- The fragility of life (11:39)

- Entrepreneurial venture #1 (13:47)

- Breaking the cycle of trading time for money (16:16)

- Entrepreneurial venture #2 (17:55)

- Entrepreneurial venture #3 (21:06)

- Finding balance in life (28:17)

- Healthy living and thriving in retirement (33:25)

- Closing thoughts and wisdom (40:25)

Links:

Newsletter: https://www.beyondmd.ca/newsletter

website: https://www.beyondmd.ca/

LinkedIn: https://www.linkedin.com/in/yatin-chadha/

Amex credit card referrals: https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINCnPBE&CPID=100606829

Radiology courses for clinicians:

https://beyondradiology.thinkific.com/courses/ct-head-interpretation-course

https://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course

Today I'm thrilled to host someone I've learned so much from over the years - Mike Heroux, passionate dividend growth investor. Mike has been educating Canadian retail investors for many years & is founder of Dividend Stocks Rock.

Regardless of your investing level, this episode has something for everyone.

Discussion points:

Introduction (01:53)

How Mike got started with dividend growth investing (3:37)

The dividend triangle (7:58)

How many sectors, how many stocks? (12:14)

Finding time to invest (16:48)

What about XEQT and chill? (19:32)

Managing FOMO as a dividend growth investor (23:13)

The retirement loop (25:46)

How to avoid yield traps (29:36)

Payout ratios (35:41)

Covered call ETFs (38:40)

Any other trends among Mike's best performing stocks? (45:23)

Valuation (48:24)

Rebalancing the portfolio (55:49)

Re-investing dividends (58:54)

Mike's best and worst investments (59:55)

Interesting dividend growth ideas related to AI (1:06:55)

Where to follow Mike, Dividend Stocks Rock (1:10:49)

Mike Heroux:

https://www.dividendstocksrock.com/
https://thedividendguyblog.com/podcast/
https://www.youtube.com/@DividendGuy

beyond MD links:

website: https://www.beyondmd.ca/

newsletter: https://www.beyondmd.ca/newsletter

LinkedIn: https://www.linkedin.com/in/yatin-chadha/

Radiology Courses for Clinicians:

https://beyondradiology.thinkific.com/courses/ct-head-interpretation-course

https://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course

Amex referral link: https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINCnPBE&CPID=100606829

2025 has been an incredible year full of learning, conversations, and memories on the show - thank you for making it possible!

Today, we recap the most memorable moments from beyond MD in 2025.

Wishing you and yours an enjoyable and restful holiday season.

Table of Contents:

- Living a rich and successful life with MarK McGrath & Aravind Sithamparapillai (0:45)

- Sabbatical, presence, good financial decisions with Dr. Kieran Nair (16:33)

- Long-term investing returns with Dr. Paul Healey (27:25)

- Understanding your definition of enough (33:17)

- Getting the most our of work - enjoying productivity and finding joy (36:25)

- Finding more control in medicine with Dr. Mamta Gautam (44:00)

Links:

website: https://www.beyondmd.ca/

email: yatin@beyondmd.ca

LinkedIn: https://www.linkedin.com/in/yatin-chadha/

Radiology Courses for Clinicians:

https://beyondradiology.thinkific.com/courses/ct-head-interpretation-course

https://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course

American express referral link (for all Amex cards):

https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC4uFw&XLINK=MYCP

Welcome to my deep dive into every real estate investment I have ever made.

There's good, bad, and down right ugly!

Part 1 (this episode), focuses on my more active investments - rental properties.

Discussion points:

- why I decided to invest in real estate (1:00)

- sources of return in rental property investing (2:50)

- condo #1 (4:40)

- condo #2 (7:18)

- multifamily (9:35)

- learnings from RE investing (16:20)

Links:

website: https://www.beyondmd.ca/

email: yatin@beyondmd.ca

LinkedIn: https://www.linkedin.com/in/yatin-chadha/

Radiology Courses for Clinicians:

https://beyondradiology.thinkific.com/courses/ct-head-interpretation-course

https://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course

American express referral link (for all Amex cards):

https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC4uFw&XLINK=MYCP

Welcome to part 2 of my real estate investing journey where I cover all of my passive real estate investments.

Contents:

- MIC - Mortgage Investment Corporation (0:40)

- Private equity residential real estate development (4:02)

- Public REIT - Sienna Senior Living (8:00)

Links:

website: https://www.beyondmd.ca/

email: yatin@beyondmd.ca

LinkedIn: https://www.linkedin.com/in/yatin-chadha/

Radiology Courses for Clinicians:

https://beyondradiology.thinkific.com/courses/ct-head-interpretation-course

https://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course

American express referral link (for all Amex cards):

https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC4uFw&XLINK=MYCP

Today I'm thrilled to host Dr. Kyle Fortinsky, an early to mid-career gastroenterologist in Ontario.

Kyle and I share something in common - we deeply value our time and the ability to spend it with our families.

With this in mind, Kyle co-founded Clever Consult - an AI-enabled software helping specialists automate and streamline the consultation process, saving many hours along the way.

Join me as I dig into Kyle's entrepreneurial journey, unpacking lessons for everyone along the way.

Discussion points:

Kyle's introduction (1:40)

Understanding Clever Consult (4:35)

- basics, target audience, EMR integration, time savings

Learning through feedback (19:45)

What it's like to build a company (23:12)

Letting go of things to free up time (28:05)

Lessons from an MBA (29:35)

What would Kyle have done differently? (32:19)

What did Kyle learn about himself? (35:45)

Ideal split between clinical medicine & entrepreneurship (38:10)

Advice to someone considering starting something (40:12)

Kyle Fortinsky:

Clever Consult: https://www.cleverconsult.ai/

Yatin Chadha:

website: https://www.beyondmd.ca/

LinkedIn: https://www.linkedin.com/in/yatin-chadha/

Amex referral: https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINCnPBE&XLINK=MYCP

Renewing a mortgage is more than just re-signing with your existing lender. Today I sit down with Elan Weintraub to discuss everything related to mortgages and renewals. Treat it like a financial checkpoint that aligns with your career, family plans, and cash flow, not just a headline rate. 

We dig into the real levers you control, and uncover key questions you should ask:

Why is a 30 year amortization often a good idea?

Considerations for paying down the mortgage faster

Why every 4% rate isn't the same (interest can compound too)

What do I need to know about adjustable vs variable rate mortgages?

What are the range of prepayment options?

Are tax strategies real or overhyped?

What are the pros and cons of mortgage laddering?

If you’ve got a renewal coming up or want to future-proof your financing, this is a concise masterclass on what actually moves the needle. 

If this helped you, subscribe, leave a review, and share it with a colleague who’s staring at a renewal letter right now.

Arya EHR: https://www.aryaehr.com/

Elan Weintraub:

https://www.linkedin.com/in/elan-weintraub-9683702/

https://mortgageoutlet.ca/

Yatin:

LinkedIn: https://www.linkedin.com/in/yatin-chadha/

Radiology Courses for Clinicians:

https://beyondradiology.thinkific.com/courses/ct-head-interpretation-course

https://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course

American express referral link (for all Amex cards):

https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC4uFw&XLINK=MYCP

There are 2 questions I have become truly fascinated with and aim to answer in this episode:

- why do some people truly enjoy their work, while others don't?

- how do we go about finding more joy at work?

I've spent a lot of time reading around this topic and picking the brains of my fellow colleagues. Today I share what I've learned and the things I'm working on.

There are likely several nuggets you can take away and incorporate into your work.

Contents:

- Introduction (0:19)

- What 4 mid-career doctors told me when I asked them how they stay interested & motivated for work (2:15)

- Action 1: Social connection (3:52)

- Action 2: Emphasize process over finish line (6:39)

- Action 3: Introduce playfulness (13:25)

- Action 4: Gain back some control (15:08)

- Action 5: Never stop growing (18:36)

Links:

LinkedIn: https://www.linkedin.com/in/yatin-chadha/

Radiology Courses for Clinicians:

https://beyondradiology.thinkific.com/courses/ct-head-interpretation-course

https://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course

American express referral link (for all Amex cards):

https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC4uFw&XLINK=MYCP

Today I welcome my friend and savvy investor, Dr. Kieran Nair.

Kieran is a mid-career hospitalist in BC who recently returned from a year long sabbatical in the French Riviera with his family.

Today, Kieran opens up about challenges he faced in mid-career, what led to burnout, and what he learned from his year away. He also talks about what to consider when pursuing a sabbatical and financial decisions that made this all possible.

Discussion points:

- Kieran's intro (1:42)

- Mid-career challenges (3:00)

- Recognizing burnout (8:00)

- How do we ensure our commitments & values align? (10:22)

- How many missions can we realistically have? (14:42)

- Navigating unexpected health issues (16:08)

- With a young family, is there a better window to take on new things? (19:40)

- What led to the sabbatical in the French Riviera? (22:35)

- Learning the art of being present (24:30)

- Major lessons on time (29:40)

- Sabbatical highlights (31:30)

- Tips for others thinking of a sabbatical (33:14)

- Cost of living comparison (35:55)

- What good financial decisions made this all possible? (38:30)

- How Kieran became so fascinated with finance and investing (41:20)

- How individual investors & stock pickers can develop an edge (45:15)

- Kieran's favourite investing books (50:55)

- How did Kieran's financial plan work out? (53:02)

- How much money will we need to retire? (56:08)

- Closing thoughts, Kieran's blog (59:19)

Kieran's blog:

https://financiallyfreemd.substack.com/

Yatin's Links:

LinkedIn: https://www.linkedin.com/in/yatin-chadha/

Radiology Courses for Clinicians:

https://beyondradiology.thinkific.com/courses/ct-head-interpretation-course

https://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course

American express referral link:

https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC4uFw&XLINK=MYCP

For episode 100, I bring back my favourite person - my wife, Sima Acharya!

Sima is back by popular demand. Today we unpack some of the big decisions we've made together, discussing the factors at play and what we have learned.

Discussion points:

- Sima's update (2:25)

- Prioritizing adventures in new places earlier in life (6:38)

- Balancing now vs delayed gratification - home renovations (19:55)

- Raising the kids, learning along the way (25:35)

- Travel: how it's changed us, keeping the kids humble (35:30)

- How & where we invest our money (44:15)

My NYGH Fundraiser:

https://donate.nyghfoundation.ca/site/TR/Events/Rally_in_the_Ravine?px=1561359&pg=personal&fr_id=1310

LinkedIn:

https://www.linkedin.com/in/yatin-chadha/

https://www.linkedin.com/in/sima-acharya-a0430213/

Radiology Courses for Clinicians:

https://beyondradiology.thinkific.com/courses/ct-head-interpretation-course

https://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course

American express referral link:

https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC4uFw&XLINK=MYCP

Today we dive back into pensions for incorporated professionals. On this ride, we compare and contrast 2 good pension options: the individual pension plan (IPP) and the Healthcare of Ontario Pension Plan (HOOPP).

For today's chat I'm happy to welcome Sean Wilson (CFP, CIM), founder of Moraine Wealth Advisory, and Navaz Cassam, president & chief actuary of GBL Inc.

HOOPP vs IPP White Paper:

https://morainewealth.com/blog/hoopp-vs-ipp/

Discussion points:

- overview of pensions (1:45)

- introduction (2:42)

- what is a defined benefit (DB) pension plan? (4:38)

- the DB pension formula (5:20)

- establishing earnings for a pension plan (8:03)

- pension eligibility (9:43)

- pension plan contributions (11:43)

- why are extra contributions helpful? (14:40)

- IPP special contributions (19:10)

- impact of disability (21:23)

- IPP investing - DIY & control (21:50)

- IPP costs (26:32)

- flexibility & control in a pension plan (28:03)

- withdrawing from a pension (32:46)

- terminal funding (33:54)

- considerations for a retirement compensation arrangement (36:36)

- indexing the defined benefit to inflation (38:40)

- IPP projections - starting age 40 with $200K of T4 income (40:18)

- who shouldn't consider a pension? (45:37)

- closing thoughts (47:38)

Yatin Chadha

NYGH Fundraiser: 

https://donate.nyghfoundation.ca/site/TR/Events/Rally_in_the_Ravine?px=1561359&pg=personal&fr_id=1310

LinkedIn: Yatin Chadha

beyond Radiology:

https://beyondradiology.thinkific.com/products/courses/ct-head-interpretation-course

https://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course

Sean Wilson

https://morainewealth.com/

https://www.linkedin.com/in/sean-m-wilson/

Navaz Cassam

https://www.linkedin.com/in/navaz-cassam-0b025716/

Today I welcome Mehul Gandhi (CFP, TEP, CLU) from Westmount Wealth to discuss death & taxes for incorporated small business owners in Canada.

The episode is broken down into 3 parts:

- the layers of tax facing the estate upon death of an incorporated professional

- strategies to mitigate the tax hit

- who can help us & the importance of updating our wills

Discussion points:

Introduction (3:05)

The layers of tax on one's estate after an incorporated business owner passes away (6:08)

How much tax can our estate face with no planning? (18:00)

Estate freezes (19:18)

First post mortem tax reduction strategy - loss carryback (22:03)

Pipeline strategy (24:34)

Why it's important to keep our wills updated (27:30)

Corporate share structure (30:24)

Insurance to navigate illiquidity challenges (35:42)

Who needs a holding company? (40:32)

Tax reduction with proper planning - how much? (43:04)

Help us with estate planning - who? (45:05)

Closing thoughts (47:45)

Mehul Gandhi

https://www.linkedin.com/in/mehulgandhicfp/

m.gandhi@westmountwealth.com

https://www.westmountwealth.com/

Yatin Chadha

beyond Radiology:

https://beyondradiology.thinkific.com/products/courses/ct-head-interpretation-course

https://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course

Email: beyondmdpodcast@gmail.com 

LinkedIn: Yatin Chadha

Thank you for joining me on this solo episode where I share my journey (and struggles) en route to finding what truly lifts me up. I'm also thrilled to share my new course (beyond Radiology), which I hope will help my colleagues with their radiology knowledge. Finally, I have a message for trainees and new staff (I hope it resonates).

Contents:

- overcoming challenges over the last few years (0:50)

- finding more fulfillment at work (11:05)

- my new course, beyond Radiology (13:45)

- finally finding purpose (18:05)

- my message for medical trainees and new staff (19:43)

Links:

beyond Radiology:

https://beyondradiology.thinkific.com/products/courses/ct-head-interpretation-course

https://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course

Email: beyondmdpodcast@gmail.com 

LinkedIn: Yatin Chadha

Hey Friends! I'm a bit delayed in releasing a new episode, so I wanted to provide you with a quick update.

The next full episode will be August 14th - I hope to see you there.

I hope summer is treating everyone well!

Yatin

Today I host Dr. Mamta Gautam, MD, MBA, FRCPC, CPDC, CCPE, CPE. 

Mamta is an internationally renowned psychiatrist, consultant, certified coach, author and speaker. Focused on Physician Health and well-being since 1990, she is a trailblazer in this field and is known as the “The Doctor’s Doctor”.  In the past 2 decades, she has expanded her work to include Leadership Development, to better address system-level factors that impact the wellbeing of healthcare workers.

Discussion points:

- Mamta's background & fascinating origin story (3:23)

- how to pursue growth at work to create an enjoyable & sustainable career (6:45))

- burnout - what are the key signs? (18:00)

- preventative measures for burnout (21:33)

- how relevant is financial literacy in combatting burnout? (27:22)

- building resilience - the 5 C's (33:27)

- where you can learn about Mamta's work (46:40)

- closing thoughts (48:04)

--------------------------------------------------------------------------------------------------------------

This episode features Arya EHR - https://www.aryaehr.com/

**I endorse only products/services I personally use or would use. Any income generated offsets the costs of running this podcast

Links:

Mamta Gautam:

X: https://twitter.com/PEAKMD

LinkedIn: https://www.linkedin.com/in/mamta-gautam-peak-md-6a7a3422/

Instagram: https://www.instagram.com/peak.md/

Facebook: https://www.facebook.com/peakmd.ca/

BlueSky: https://bsky.app/profile/peakmd.bsky.social

Yatin Chadha:

Email: beyondmdpodcast@gmail.com 

LinkedIn: Yatin Chadha

Today I welcome my friend, Farrah Khimji, to the show.

Farrah Khimji is a business strategist, keynote speaker, and the founder of The Wellth Experience — a business coaching platform and community that helps high-achieving women build purpose-driven businesses rooted in their story, values, and voice. With a CPA, an MBA, and a specialization in Strategy from Harvard, Farrah brings serious business credibility, backed by years of experience in private equity and commercial real estate.

Today, Farah helps others bring their business ideas to life so they can maximize their impact in the world.

Discussion points:

Early definitions of success (2:17)

Lessons from the corporate world (8:15)

Moving from the corporate world to a new path (12:30)

How Farrah's experiences led her to coaching (19:20)

Overcoming Imposter Syndrome (26:48)

Finding purpose through the FLOW framework (31:00)

Zone of genius (35:30)

How Farrah helps others through coaching (39:46)

Key considerations for monetization (45:30)

Final messages for listeners (50:40)

Farrah Khimji:

https://www.linkedin.com/in/farrah-khimji/

https://www.instagram.com/farrahkhimji/

@farrahkhimji

Dr. Yatin Chadha

• beyondmdpodcast@gmail.com 
• LinkedIn: Yatin Chadha

Ways to support beyond MD

• Amex referral link: https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC4uFw&XLINK=MYCP

Today I'm thrilled to welcome Dr. Benjamin Hutten-Czapski, founder of Rewards MD to discuss a topic that can benefit each and every one of us...

...traveling the world by paying less through optimizing credit card rewards.

You will want to listen to the end. Key links are at the bottom.

Discussion Points:

- introduction (2:18)

- Rewards MD & how it's different (5:44)

- what makes a good keeper credit card? (7:55)

- a summary of the various ecosystems (10:18)

- Amex platinum: worth it? (13:48)

- A framework for accumulating points (16:53)

- sign up bonuses (23:12)

- cards for sustainable point earning in Canada (27:27)

- Visa infinite vs. privilege - key considerations (30:50)

- aeroplan e-store optimization (33:38)

- Aeorplan status - why is this significant? (37:55)

- Paying taxes with credit cards (40:20)

- Amex business gold benefits (44:16)

- Risks of audits? (46:25)

- Chexy - pay taxes, rent, utilities (48:41)

- How to handle lump sum expenses (51:00)

- Approach to redeeming points (53:06)

- Building the ideal credit card wallet (57:45)

- Closing thoughts (59:50)

Dr. Benjamin Hutten-Czapski:

•  www.rewardsmd.ca
•  consultations 
•  PointsYeah
• http://chexy.co/rewardsmd
• smallbusiness@chexy.co 

Dr. Yatin Chadha

• beyondmdpodcast@gmail.com 
• LinkedIn: Yatin Chadha
• Amex referral link: https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC4uFw&XLINK=MYCP

Welcome back to a second episode on the Canada Pension Plan (CPP).

My guest is Jason Yee, a true CPP ninja. Jason guides us through CPP and its 2019 & 2024 enhancements to outline the key features of the plan & helps us understand what we will get from it in the future.

Discussion Points:

Jason's background (2:43)

CPP basics (5:05)

Key features of CPP (6:27)

Why is CPP so polarising? (9:26)

What determines what we will get out of CPP? (11:32)

CPP enhancements: why & how do they help us? (13:21)

What about years of lumpy/low income? (17:32)

Considerations for when to start CPP (21:36)

CPP payout scenarios (23:16)

Take home points for the busy professional (26:16)

Closing thoughts (28:05)

Jason Yee:

Contact:  greetings@finepointsolutions.ca

Company website:  https://finepointsolutions.ca/

All our CPP ideas & resources:  https://finepointsolutions.ca/ideas-resources/

LinkedIn:  https://www.linkedin.com/in/yee/

YouTube channel:  https://www.youtube.com/channel/UCwuA3EIkAUT1xIPy3lqJwPg

Yatin Chadha:

Email: beyondmdpodcast@gmail.com 

LinkedIn: Yatin Chadha

How to support beyond MD:

• connect with me on LinkedIn: Yatin Chadha
• credit card referral link: https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC4uFw&CPID=100373056

Today I welcome Promod Sharma & Jeevan Sharma to the show to discuss the immediate financing arrangement (IFA).

Promod (actuary) & Jeevan (CFP) specialize in helping high-net-worth individuals & tackling their unique situations beyond basic insurance coverage. 

Discussion Points:

What is an IFA? (2:17)

Whole life (WL) vs Universal life (UL) - which is more suitable for an IFA? (3:41)

What is the cash surrender value (CSW)? (7:35)

How can policies be structured to allow for IFAs...Important (9:30)

Who could benefit from an IFA? (16:55)

IFA mechanism: 

- policy as collateral (23:23)

- how large can the loan be? (24:42)

- lenders (26:32)

- personal vs corporate loans (27:57)

- loan rates (30:58)

- guarantee fees (31:35)

Does IFA impact policy growth? (33:34)

Using policy as collateral vs directly borrowing from the policy (34:20)

How are IFAs tax efficient? (36:34)

Loophole? (42:34)

Fees (44:55)

Ways to pay off the loan (45:44)

Permanent life & IFA checklist - Important (46:25)

When not to pursue an IFA (50:56)

IFA risks (53:09)

--------------------------------------------------------------------------------------------------------------

This episode features Arya EHR - https://www.aryaehr.com/

**I endorse only products/services I personally use or would use. Any income generated offsets the costs of running this podcast

Promod Sharma & Jeevan Sharma:

https://taxevity.com/

ps@taxevity.com

js@taxevity.com

https://www.linkedin.com/in/promod/

https://www.linkedin.com/in/jeevanksharma/

Yatin Chadha:

Email: beyondmdpodcast@gmail.com 

LinkedIn: Yatin Chadha

Sometimes the answers are right in front of us. My guest today is Dr. Hasan Merali, MD MPH, author of Sleep Well, Take Risks, & Squish the Peas.

We both believe kids hold the secret to a happier & richer life. Today, Hasan provides stories & evidence from the science of toddlers to back this up. He also discusses how we can incorporate certain practices into our day-to-day routines.

Discussion Points:

Hasan's introduction (2:40)

Benefits of training in different places (4:10)

How Hasan became fascinated with the science of toddlers (5:45)

The difference between a toddler & adult brain (7:50)

Toddler lesson #1: bedtime routines (9:35)

Toddler lesson #2: giving (13:05)

Toddler lesson #3: laughter (16:30)

Toddler lesson #4: positive self talk (22:34)

Toddler lesson #5: play (25:10)

Hasan's book & the book writing process (26:35)

Hasan's TEDx talk experience (35:30)

How Hasan finds more purpose in his work (38:18)

Goal setting & 5 year plans (42:30)

Hasan Merali:

Book: https://hasanmerali.com/book/   

Website: https://hasanmerali.com/

TEDx Talk. The best life lessons from toddlers: https://www.youtube.com/watch?v=C6l97Bixokc

X: https://twitter.com/Hasan_Merali

LinkedIn: https://www.linkedin.com/in/hasan-merali/

Facebook: https://www.facebook.com/HasanMeraliMD/

Popular Science Article: For better sleep, borrow the bedtime routine of a toddler: https://www.popsci.com/diy/how-to-sleep-better/

TEDx talk by Angela Duckworth: https://www.youtube.com/watch?v=H14bBuluwB8

Yatin Chadha:

Email: beyondmdpodcast@gmail.com 

LinkedIn: Yatin Chadha

I've been investing for 7 years. When the markets get volatile & uncertainty arises, I find it informative & reassuring to sit down with another savvy mind.

Today, I'm thrilled to chat with Paul Healey about questions people have related to investing in today's markets.

This is jam packed with practical insights and valuable lessons Paul has learned since he started investing in 2007.

Discussion Points:

- What are the main questions today? (2:10)

- Strategy - investing regularly vs buying the dips (7:45)

- How can we manage our emotions? (10:05)

- Paul's experience in 2008 (13:00)

- Cash cushions and emergency funds (18:20)

- Lump sum vs. dollar cost averaging? (21:20)

- Multiple ETFs vs. all in one ETFs (23:12)

- Asset allocation over time (25:08)

- The power of time & compounding (25:55)

- Closing thoughts (30:12)

- Investing = time freedom in the future (32:50)

CMPA Council Vote: https://www.cmpa-acpm.ca/en/about/governance/council-elections

Email: beyondmdpodcast@gmail.com 

LinkedIn: Yatin Chadha

Money is certainly something, but it's not everything.

Today I review one of the best books I've read on reaching a rich & balanced life:

The 5 Types of Wealth by Sahil Bloom

Chapters:

- Time Wealth (5:35)

- Social Wealth (14:20)

- Mental wealth (21:40)

- Physical Wealth (28:40)

- Financial Wealth (30:25)

CMPA vote: https://www.cmpa-acpm.ca/en/about/governance/council-elections

https://www.the5typesofwealth.com/

https://www.sahilbloom.com/newsletter

Today's interview features best selling author, Robin Taub. Robin's book is The Wisest Investment: Teaching Your Kids to Be Responsible, Independent and Money-Smart for Life

Robin is CPA by training & started her career at KPMG, pivoted into real estate, & then entered the complex world of derivatives marketing at Citibank Canada. Today, she’s a keynote speaker & award-winning author. 

Robin lives in Toronto, where she and her husband have raised two (mostly) money-smart young adults. She loves to snowboard, cycle &go to concerts (she even got backstage once and met Bruce Springsteen).

This episode is full of tips & stories relevant to parents with children of all ages.

Discussion Points:

- Robin's background (3:23)

- how to answer early questions about money (8:10)

- are cash and piggy banks still a good idea? (11:22)

- how parents can teach their kids - anchoring on values (15:40)

- the marshmallow test, delayed gratification, & SMART goals (19:45)

- allowance systems (24:15)

- when to open a bank account for kids (27:35)

- teachable moments (28:35)

- budgeting - a good idea? (32:30)

- what can kids learn from getting a job? (37:25)

- social media & comparison/consumption/birthday parties (42:25)

- how to talk to kids about compound interest (51:10)

Robin Taub:

https://robintaub.com/

https://www.thewisestinvestment.com/

https://awordfromthewise.substack.com/

https://www.linkedin.com/in/robintaub/

Yatin:

• CMPA voting link: https://www.cmpa-acpm.ca/en/about/governance/council-elections
• Email: beyondmdpodcast@gmail.com 
• LinkedIn: Yatin Chadha

Today we revisit pensions with an exploration of the Healthcare of Ontario Pension Plan (HOOPP) for incorporated Ontario physicians.

My guest is Rachel Arbour, who is the Head of Plan Benefits, Design and Policy at HOOPP.  

Discussion points:

- HOOPP overview (2:28)

- What is a defined benefit pension? (4:13)

- How is the defined benefit calculated? (6:23)

- what to know about your best 5 years of earnings (9:35)

- Is there a ceiling to the defined benefit? (10:31)

- who is eligible to take part in HOOPP? (11:43)

- how are contributions calculated? (15:52)

- what about inflation adjustments? (23:13)

- fund investment returns (26:32)

- funded status (28:00)

- HOOPP's maturation over time (29:10)

- are special contributions possible with HOOPP? (31:47)

- pension administrative & investment costs (35:45)

- when can pension benefits begin? (38:15) 

- pulling out from HOOPP (39:38)

- what happens to contributions in years of fluctuating income? (41:40)

- income splitting, spousal benefit options (44:55)

- estate planning (47:09)

- disability benefits (50:07)

This episode features Arya EHR - https://www.aryaehr.com/

**I endorse only products/services I personally use or would use. Any income generated offsets the costs of running this podcast :)

HOOPP:

https://hoopp.com/join-hoopp/physicians-joining-hoopp

https://hoopp.com/news-and-insights/research-and-analysis/white-papers

Yatin:

• Email: beyondmdpodcast@gmail.com 
• LinkedIn: Yatin Chadha

I'm delighted to welcome back my friend and colleague, Dr. Michael Fralick, MD, PhD.

Mike is a creative spirit and has a knack for finding opportunities to positively impact others through his knowledge & expertise.

He is a clinician scientist, runs the Fralick lab (which covers the intersection of AI & patient care), and last year published his first book & launched his internal medicine review course.

I hope you enjoy this conversation which covers creativity, productivity & time management, and how to use our knowledge to drive impact & find meaning in medicine.

Discussion Points:

- Mike's book --> One Pagers for the Wards (1:40)

- Finding time for creative pursuits & balancing competing demands (7:05)

- Mike's motivation for writing the book (11:15)

- Mike's time management & productivity strategies (15:30)

- Strategies for navigating emails (23:00)

- Things to know if writing a book (27:35)

- Lessons learned from Mike's course - updates in inpatient medicine (31:10)

- Goals for 2025 (39:36)

- The most important lesson Mike has learned (42:48)

- Closing thoughts (43:50)

Medicine pods: https://medicinepods.com/

Michael Fralick:

• https://www.amazon.ca/One-Pagers-Wards-Michael-Figueroa-Fralick/dp/1068806605
• https://fralicklab.com/
• https://www.youtube.com/@Fralickmike
• https://www.linkedin.com/in/michael-fralick-203716231/

Yatin:

• Email: beyondmdpodcast@gmail.com 
• LinkedIn: Yatin Chadha

This is a big one - what happens when we receive a malpractice claim? Medicine is a challenging field with high stakes. We all know colleagues who have been in this situation.

I'm thrilled to welcome Dr. Todd Watkins, associate CEO of the CMPA (Canadian Medical Protective Association) for a 101 on what to do & what to expect if we get sued.

Discussion Points:

Dr. Watkins' intro (2:18)
What is the CMPA (3:05)
How would you hear about a case against you? (6:02)
What information is on a statement of claim (8:02)
Timelines for a valid malpractice claim (10:30)
Knowledge of events vs cause of action (12:30)
What should you do when you get a claim? (16:45)
How the CMPA offers support during this time (19:47)
Are the lawyers internal or external? (21:13)
Can one pick their own lawyer? (21:53)
Who covers all the legal fees? (22:38)
Occurrence based protection & alternatives (23:03)
The key elements of the pre-trial process (25:27)
Expert witnesses (27:11)
Mediation (29:53)
Key data points, what % of cases go to trial (31:39)
What happens behind the scenes at the CMPA (34:37)
Court set up (35:57)
Financial damages - who pays? (37:28)
Appeals (38:40)
Dues (39:32)
Residents/trainees - can they be implicated of malpractice (41:05)
Closing thoughts (43:00)

CMPA: 

https://www.cmpa-acpm.ca/en/home

1-800-267-6522

Yatin:

• Email: beyondmdpodcast@gmail.com 
• LinkedIn: Yatin Chadha

Today I welcome back Sasha Cucuz, CEO of Greybrook Securities.

The focus today is to understand the variables impacting the margins (& expected returns) on investments in real estate development.

Discussion points:
- Greybrook's high rise model (2:19)
- understanding the value of land (3:30)
- what variables are controllable? (9:25)
- the outlook for pre-construction condos (15:25)
- how are margins impacted for condo projects? (24:25)
- has the southern Ontario investment thesis changed? (31:15)
- the anatomy of a USA value add project (37:50)
- what areas excite Greybrook in the US? (48:04)
- closing thoughts (53:02)

Greybrook: https://greybrook.com/

Yatin:

• Email: beyondmdpodcast@gmail.com 
• LinkedIn: Yatin Chadha

I've become fascinated with productivity over the last 2 years because it's another tool in our kit to effectively increase the time we have in our lives, so that we can live life on our own terms.

I share my experiences over the years & key learnings from 4 of my favourite productivity books (see below).

Discussion Points:
- why I'm fascinated by productivity (0:40)
- hack #1: set your goals & write them down (1:55)
- hack #2: figure out your next action step (4:18)
- hack #3: plan & structure your day (6:22)
- hack #4: cluster your tasks (9:33)
- hack #5: deep work & avoid task switching (11:21)
- hack #6: tackling technology & optimizing your environment (15:14)
- hack #7: figure out how to capture your ideas (18:14)
- hack #8: create an accountability partner (20:14)
- hack #9: being productive while you rest (21:57)
- hack #10: make it fun (24:04)
- hack #11: embrace the 2 minute rule (25:25)
- the 4 books I cited in this episode (26:28)

This episode features Arya EHR - https://www.aryaehr.com/

**I endorse only products/services I personally use or would use. Any income generated offsets the costs of running this podcast :)

4 Great Productivity Books:

https://www.feelgoodproductivity.com/

https://www.goodreads.com/book/show/25744928-deep-work

https://www.amazon.ca/ONE-Thing-Surprisingly-Extraordinary-Results/dp/1885167776

https://www.amazon.ca/Getting-Things-Done-Stress-Free-Productivity-dp-0143126563/dp/0143126563/ref=dp_ob_image_bk

Yatin:

• Email: beyondmdpodcast@gmail.com 
• LinkedIn: Yatin Chadha

Ways to support the show:

Amex Business Platinum referral:
https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC7UzU&CPID=100560249

Amex Cobalt referral:
https://americanexpress.com/en-ca/referral/cobalt?ref=yATINCYEoc&CPID=100560249

Hey gang - this is a re-release of one of the most popular episodes ever.

Not out of laziness, but because several listeners have reached out to ask about which credit cards will allow them to elevate their travel game.

There's no better time than the start of the new year to talk travel :)

I interviewed my guest, Ricky Zhang (founder of Prince of Travel), in the summer of 2023. Most of what's discussed here is still very relevant today.

CRITICAL: In the conclusion I summarize key changes you will want to know before you sign up any cards.

Summary:
Ricky's background & the origin of Prince of Travel (5:05)
How does the points system work? (8:27)
Earning points rapidly through credit cards (12:34)
Credit score fundamentals (20:27)
Should we keep our credit cards for the long term? (24:00)
The credit card game isn't for everyone - who should avoid it? (28:14)
Other ways to rack up points at a faster pace (33:00)
The best credit card for Canadians: Amex Cobalt (34:07)
Credit cards for small business owners, why Amex points are so versatile (35:05)
Understanding the RBC Avion point system (38:24)
Redeeming points efficiently, dynamic pricing, ideal booking windows (41:07)
Example of redeeming points - Toronto to Portugal (46:46)
Prince of Travel Concierge services (51:27)
Aeroplan elite status (53:35)
How to get started (55:00)
Rapid fire, including a strong credit card portfolio (56:39)
How many credit cards does Ricky have? (60:18)
Closing thoughts (61:40)
CRITICAL - updates on rewards (62:49)

Credit card links (cards I use & benefit from):

Amex Business Platinum:
https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC7UzU&CPID=100560249

Amex Cobalt:
https://americanexpress.com/en-ca/referral/cobalt?ref=yATINCYEoc&CPID=100560249

Social media links & email:

Yatin:
beyondmdpodcast@gmail.com
https://www.linkedin.com/in/yatin-chadha/

Ricky:
https://princeoftravel.com/
https://www.youtube.com/@PrinceofTravel

Today I welcome Aravind Sithamparapillai (MBA), who is an associate at Ironwood Wealth Management. Aravind is becoming known as a tax ninja - he breaks down complex topics nicely for listeners of all levels.

While the focus of this episode is meant to be CPP (Canada Pension Plan) & its relevance to business owners, we cover a lot of ground that includes salary vs dividends & tax basics.

Discussion Points:
Aravind's background (4:18)
The basics of tax integration (5:00)
Tax integration by province/territory (6:42)
Tax credit & deduction on the employee portion of CPP (9:16)
Employer portion of CPP - tax deductible (14:13)
What is the true cost of CPP? (16:30)
Understanding the dividend gross up & dividend tax credit (22:05)
Income based benefits that can be impacted by the dividend gross up (26:15)
CPP vs investing yourself in the corporation (31:13)
Salary + dividend vs salary only approach (39:10)
What about the IPP (41:35)
Other CPP benefits - disability, children, survivor (43:30)

Post call newsletter: https://postcall.ca/

Aravind:

• https://www.linkedin.com/in/sithamparapillai/
• aravind.sithamparapillai@ironwoodcanada.com

Yatin:

• Email: beyondmdpodcast@gmail.com 
• LinkedIn: Yatin Chadha

Ways to support beyond MD:

• Amex credit card referral link: https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC4uFw&XLINK=MYCP
• https://americanexpress.com/en-ca/referral/cobalt?ref=yATINCYEoc&XLINK=MYCP

Today I'm thrilled to host Dr. Neel Chadha. Neel is a family physician who made the bold decision to go all in on developing retirement residences for seniors.

This is a story of embracing new opportunities, taking calculated risks, & pursuing a focused life to find success.

Discussion Points:
Introduction (1:35)
From family medicine & geriatrics to developing senior homes (5:15)
Neel's decision to leave the hospital & go all in on senior living (6:55)
Neel's retirement residence community (9:35)
Senior living in Canada - status quo, supply/demand (12:00)
Investing in senior living - key metrics to track (16:25)
Navigating interest rates & other challenges in 2023 - key takeaways (18:42)
Why a focused life is critical for success (23:30)
The importance of mentorship (26:05)
What Neel wants to be known for (30:25)
Closing remarks (31:10)

This episode features Arya EHR - https://www.aryaehr.com/

**I endorse only products/services I personally use or would use. Any income generated offsets the costs of running this podcast :)

Neel:

• https://lanarklifestyles.ca/
• https://www.linkedin.com/in/dr-neel-chadha-44829013b/

Yatin:

• Email: beyondmdpodcast@gmail.com 
• LinkedIn: Yatin Chadha

Ways to support beyond MD:

• Amex credit card referral link: https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC4uFw&XLINK=MYCP
• https://americanexpress.com/en-ca/referral/cobalt?ref=yATINCYEoc&XLINK=MYCP