In today's episode, Dr. Disha Spath sits down with Dr. Zwade Marshall—Emory- and Harvard-trained anesthesiologist, interventional pain specialist, CMO of Regenerative Spine and Pain Specialists, and co-founder/CEO of Doc2Doc Lending, a lending platform built by doctors for doctors.

Dr. Marshall shares the real story behind why traditional banks misunderstand early-career physicians, how his own relocation struggle sparked Doc2Doc, and how their proprietary underwriting finally evaluates doctors based on potential, not current cash flow.

Whether you're an early-career doctor trying to get approved for a loan, or an experienced physician thinking about launching your own practice, this episode is full of practical, real-world financial advice that medical training never covered.

Key Topics Covered:

1. Why traditional banks undervalue physicians

• How big student loans and low early income distort our financial picture and why banks overlook our recession-proof earning potential.

2. How Doc2Doc Lending was born

• The moment Dr. Marshall realized the system was broken and how he built a lending model that evaluates physicians prospectively, not punitively.

3. What makes Doc2Doc underwriting different

• NPI verification, training stage, specialty, geography, cash-flow behaviors, and machine-learning insights that actually reflect physician realities.

4. When using leverage makes sense

• Why personal loans can be powerful tools for practice start-up costs, fix-and-flips, or bridging SBA delays and why they shouldn't be used for consumption.

5. Understanding loan types, rates, and flexibility

• How Doc2Doc's unsecured personal loans work, the monthly rate model, no-prepayment-penalty structure, and common use cases among physicians.

6. Credit scores, shame, and starting from scratch

• A discussion especially relevant for immigrants and young physicians with thin credit files plus why your early FICO score doesn't define your financial future.

Listener Takeaways:

• How Doc2Doc evaluates doctors differently than banks
• Why physicians are statistically low-risk borrowers (even with $300K+ in loans)
• What new attendings need to know about credit scores, debt, and loan approvals
• Accessing fair and fast personal loans as a resident, fellow, or new attending
• How physicians can use lending to start a medical practice
• The most common mistakes new practice owners make and how to avoid them
• Why private practice and cash-based care models are creating new physician freedom

Connect with Us:

Host: Dr. Disha Spath, The Frugal Physician
Guest: Dr. Zwade Marshall, CEO of Doc2Doc Lending

This episode is brought to you by Doc2Doc Lending. Doc2Doc Lending offers personal loans up to $100,000 for doctors — designed to help you consolidate debt, invest in your goals, or get ahead financially. Founded by doctors for doctors, we make funding simple, transparent, and tailored to the medical community. Visit their website at: https://www.doc2doclending.com/personal-loans-for-physicians/?utm_source=FrugalPhysician&utm_medium=podcast&utm_campaign=FP

This episode is brought to you by Black Swan Real Estate, led by physician-investor Dr. Elaine Stageberg.  Dr. Stageberg, a Mayo Clinic–trained physician, together with her husband Nick, has spent years building Black Swan Real Estate into a diversified, large-scale portfolio now approaching half a billion dollars across 2,000 doors. 

Now, through their Secure Freedom Fund, a 10% fixed rate of return offering, you can invest alongside them. The Secure Freedom Fund offers institutional-quality real estate opportunities—designed to deliver strong cash flow, long-term growth, and remarkable tax advantages. 

This fund is uniquely structured so that each investor can tailor it to their own individual goals: a minimum investment of just $25,000, the ability to choose monthly cashflow distributions or to elect the compounding option for higher overall growth, the option to exit the fund on your timing, the flexibility to invest in your personal name, a trust, an LLC, or a retirement account, and so much more. 

If you're an accredited investor who's ready to diversify beyond Wall Street and invest with experienced, trust worthy operators who've been exactly where you are, visit SecureFreedomFund.com today to learn more. From there, you can review the slides, watch the webinar, and even a book a call directly 1:1 with Dr. Elaine Stageberg. 

That's SecureFreedomFund.com.

In this inspiring episode of Finding Financial Freedom, host Dr. Disha Spath sits down with Dr. Elaine Stageberg, co-owner and principal of Black Swan Real Estate, to explore how she turned one rental property into a half-billion-dollar real estate empire—all while raising five kids and maintaining a career in psychiatry.

Dr. Elaine's journey from a difficult childhood marked by financial instability to becoming a leading real estate investor is a testament to resilience, intention, and the power of mindset. Together with her husband, she built Black Swan Real Estate, a diversified portfolio with over 2,000 doors and nearly $500 million in assets.

Tune in as Dr. Elaine shares how she overcame scarcity thinking, leaned into fear, and built financial freedom through strategic investing.

Key Topics Covered:

1. Overcoming Adversity and Finding Purpose

• Elaine's early life shaped by financial scarcity and addiction in her family.
• The role of love and stability in the midst of chaos—and how it formed her values today.

2. From Medicine to Mindset

• Why Elaine chose psychiatry and how her background influenced her specialty.
• The importance of paying it forward and mentoring others.

3. The Accidental Landlord Story

• How an underwater mortgage led Elaine and Nick to rent out their first home.
• What she learned about property management, cash flow, and providing housing.
• Discovering the joy and purpose of real estate beyond spreadsheets.

4. Building Black Swan Real Estate

• Their first intentional investment: turning a vacant, foreclosed home into a thriving rental.
• The philosophy behind building value and creating "sacred work" through housing.

5. Mindset, Marriage, and Money

• Why Elaine says there's never a "perfect time" to start investing—only the courage to begin.
• How facing fear and uncertainty became their superpower for growth.

6. Introducing the Secure Freedom Fund

• How investors can partner with Black Swan Real Estate through the Secure Freedom Fund.
• Earn a 10% fixed rate of return through institutional-quality real estate investments.

Listener Takeaways:

• Lean into fear—growth happens outside your comfort zone.
• Real estate can be sacred work that provides both purpose and profit.
• Adversity can be a foundation for resilience and success.
• Start before you're ready—there's never a perfect time to invest.
• Financial freedom is not just about money but about designing life on your terms.

Resources Mentioned:

• Black Swan Real Estate
• Secure Freedom Fund

Connect with Us:

Host: Dr. Disha Spath, The Frugal Physician
Guest: Dr. Elaine Stageberg – Co-Owner & Principal, Black Swan Real Estate

This episode is brought to you by Black Swan Real Estate, led by physician-investor Dr. Elaine Stageberg.  Dr. Stageberg, a Mayo Clinic–trained physician, together with her husband Nick, has spent years building Black Swan Real Estate into a diversified, large-scale portfolio now approaching half a billion dollars across 2,000 doors. 

Now, through their Secure Freedom Fund, a 10% fixed rate of return offering, you can invest alongside them. The Secure Freedom Fund offers institutional-quality real estate opportunities—designed to deliver strong cash flow, long-term growth, and remarkable tax advantages. 

This fund is uniquely structured so that each investor can tailor it to their own individual goals: a minimum investment of just $25,000, the ability to choose monthly cashflow distributions or to elect the compounding option for higher overall growth, the option to exit the fund on your timing, the flexibility to invest in your personal name, a trust, an LLC, or a retirement account, and so much more. 

If you're an accredited investor who's ready to diversify beyond Wall Street and invest with experienced, trust worthy operators who've been exactly where you are, visit SecureFreedomFund.com today to learn more. From there, you can review the slides, watch the webinar, and even a book a call directly 1:1 with Dr. Elaine Stageberg. 

That's SecureFreedomFund.com.

In this episode of the Finding Financial Freedom Podcast, Dr. Disha Spath is joined by powerhouse physician entrepreneur Dr. Nneka Unachukwu, also known as Dr. Una—board-certified pediatrician, bestselling author, and founder of EntreMD.

Dr. Una built a seven-figure business while practicing medicine and raising four children—and now she's on a mission to help 100,000 physicians do the same. Through her groundbreaking EntreMD Business School and top-ranked podcast, she's changing the narrative around what's possible for doctors beyond the clinic.

This conversation unpacks the mindset, strategy, and vision behind her journey from overwhelmed clinician to CEO. Dr. Una shares how physicians can build profitable businesses, master leadership, and take ownership of their time, income, and purpose—without sacrificing their calling.

Key Topics Covered:

1. From Medicine to Mission

• How Dr. Una's journey began with a love for medicine—and a desire for more freedom.
• The financial turning points that opened the door to entrepreneurship.

2. Becoming the CEO of Your Life

• Why most physicians aren't trained to think like business owners—and how to change that.

3. The Mindset Shift

• The limiting beliefs physicians carry—and the mental reprogramming needed to succeed in business.

4. Making Success Inevitable

• Identifying your "why" and the strategy behind building a business that grows with you.
• What she teaches inside the EntreMD Business School makes results repeatable.

5. The DPC Model Explained

• What is Direct Primary Care and how does it create freedom for physicians and patients alike?
• How Dr. Una built her practice around access, care, and boundaries.

6. Creating Boundaries While Building Trust

• The art of saying "no" and still attracting your dream patients (and clients).
• How Dr. Una balances business, medicine, and motherhood.

7. Her Personal Practice Story

• What building her own practice taught her about entrepreneurship—and herself.
• How her experience shaped EntreMD and its mission to reach 100,000 physician entrepreneurs.

Listener Takeaways:

• Why physicians are uniquely positioned to be entrepreneurs
• How to create a business aligned with your values and lifestyle goals
• How to balance purpose, profit, and peace on your journey to financial freedom

Connect with Us:

Host: Dr. Disha Spath, The Frugal Physician
Guest: Dr. Nneka Unachukwu or Dr. Una

Dr. Stephanie Pearson, a former OB-GYN who suffered a career-ending injury, discusses her journey of navigating disability insurance claims. She shares her personal experience of battling a torn labrum, a frozen shoulder, and the emotional toll of being denied coverage for work-related injuries. Dr. Pearson's determination to educate and advocate for physicians' disability insurance needs led her to become an insurance broker. The conversation delves into the historical approach to mental health coverage for physicians, the changes in recent years, and the challenges physicians face when seeking mental health support and coverage.

Bio / Links:

Stephanie Pearson, MD, FACOG, is a board-certified OB/GYN and a licensed broker specializing in disability and life insurance for physicians. Injured in the prime of her career as an OB/GYN, Stephanie was forced to pivot; through her own firsthand experience, she found a new calling in advocating for and educating her peers on their insurance needs. Stephanie's goal is to empower others to protect their most valuable asset: their ability to earn income. As a speaker, Stephanie combines her hard-won insurance expertise with her personal experience to address the physical and mental impact of physician disability, emphasizing the importance of proper coverage. Stephanie's background includes 9 years of medical practice after receiving her M.D. from Drexel Universities MCP/ Hahnemann College of Medicine (now Drexel University College of Medicine), and completing a residency at Pennsylvania Hospital. She currently lives in Bryn Mawr, Pennsylvania with her husband, their two children, and dogs.

stephanie@pearsonravitz.com 

www.pearsonravitz.com 

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

https://www.instagram.com/drstephaniepearson

Show facts:

• Dr. Stephanie Pearson transitioned from being an OB-GYN to a dedicated insurance broker.
• The focus on mental health coverage for physicians has significantly evolved in the last few years.
• Certain diagnosis codes, like major depressive disorder, can impact insurance coverage.
• Some women have successfully negotiated mental health coverage as part of their employment contracts.
• Efforts are ongoing to incorporate mental health education and support into physician training.

Looking for something specific? Here you go!

• [00:00:49] Dr. Pearson's journey, career-ending injury, and passion for advocating physician insurance needs.
• [00:01:42] Experience with inadequate insurance coverage and the realization of gaps.
• [00:05:00] A period of darkness and struggle with mental health challenges.
• [00:07:00] Dr. Pearson's transition to becoming a passionate advocate and advisor for physicians' insurance needs.
• [00:08:00] Evolution of mental health coverage in disability insurance, factors contributing to change.
• [00:13:00] Challenges and unique considerations when providing mental health coverage for physicians.
• [00:17:00] The importance of early coverage to address potential future mental health needs.
• [00:20:00] Balancing accurate documentation with protecting physicians' mental health records.
• [00:23:00] The role of healthcare institutions in supporting mental health for physicians.
• [00:25:00] Advocacy efforts to address mental health-related questions in licensing and insurance.
• [00:30:00] Recommendations for institutions, organizations, and associations to promote mental health awareness and support.

If you enjoyed the show, find and follow Dr. Disha everywhere else:

Twitter

Website

Facebook

The Frugal Physicians Facebook Group

YouTube (Coming Soon!)

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Please note: The content shared on the podcast is for informational purposes only and should not be considered individualized financial advice. It is essential to consult with professionals such as accountants, financial advisors, or attorneys to receive personalized guidance based on your specific needs.

Despite having COVID, Dr. Disha proceeds to recap the previous Baby Steps, which involve achieving financial milestones like paying off debts, investing, and building emergency funds. Baby Step 8 involves saving for children's college education, potentially buying a house, and considering various investment options. Dr. Disha encourages her listeners to make intentional decisions, seek professional advice if needed, and ultimately create financial stability and freedom in their lives.

Dr. Disha created this podcast to share her story and provide guidance to those who feel trapped in their financial circumstances. Let's join forces, take charge of our finances, and work together towards the ultimate goal of financial freedom. 

Share this podcast with friends and colleagues who may benefit from this transformative journey. It's time to embrace change and embark on the path to financial freedom.

If you enjoyed the show, find and follow Dr. Disha everywhere else:

Twitter

Website

Facebook

The Frugal Physicians Facebook Group

YouTube (Coming Soon!)

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Looking for something specific in this show? Here you go!

[00:05:00] - Investment options for kids' college savings. 

[00:16:00] - Considerations for buying a home. 

[00:18:00] - Paying off the mortgage and investing for financial freedom. 

[00:23:00] - Wrapping up the eight steps to financial freedom.

Please note: The content shared on the podcast is for informational purposes only and should not be considered individualized financial advice. It is essential to consult with professionals such as accountants, financial advisors, or attorneys to receive personalized guidance based on your specific needs.

Special thanks to our Title Sponsor, MedicalExpertWitness.com – helping you build your medical expert witness agency. 

—----

The episode covers Baby Step 7 in the financial journey. It starts with a recap of the previous steps, which include protecting loved ones through insurance and estate planning, saving up a starter emergency fund, investing, paying off debt, and maxing out retirement accounts. Baby Step 7 is to save up a three to six month emergency fund, which is crucial for doctors who may need to leave their job or relocate. The emergency fund should cover fixed and variable expenses but can exclude wants. It is recommended to keep the fund in a place that is easily accessible and can earn some interest, such as a high-interest savings account.

Dr. Disha created this podcast to share her story and provide guidance to those who feel trapped in their financial circumstances. Let's join forces, take charge of our finances, and work together towards the ultimate goal of financial freedom. 

Share this podcast with friends and colleagues who may benefit from this transformative journey. It's time to embrace change and embark on the path to financial freedom.

If you enjoyed the show, find and follow Dr. Disha everywhere else:

Twitter

Website

Facebook

The Frugal Physicians Facebook Group

YouTube (Coming Soon!)

-----------

Looking for something specific in this show? Here you go!

[00:02:30] A three to six month emergency fund. 

[00:06:12] High interest savings accounts. 

[00:11:33] Roth IRA withdrawal exceptions. 

[00:14:30] Investing emergency fund money. 

[00:17:29] Roomba price tracking.

Please note: The content shared on the podcast is for informational purposes only and should not be considered individualized financial advice. It is essential to consult with professionals such as accountants, financial advisors, or attorneys to receive personalized guidance based on your specific needs.

Special thanks to our Title Sponsor, MedicalExpertWitness.com - grow your expert witness practice today!

—----

This story recounts a near-drowning incident of a three-year-old in Dal Lake, nestled in the Himalayas. Saved by a shikara rower, the experience teaches her the importance of not panicking during a crisis. Fast forward, she uses this lesson to conquer her massive debts as a physician, paying off over a million dollars in three years. The narrative then explores two effective debt repayment methods: the debt avalanche and the debt snowball. By applying an extra $1,000 each month, the protagonist becomes debt-free in just nine years, achieving financial independence.

Dr. Disha created this podcast to share her story and provide guidance to those who feel trapped in their financial circumstances. Let's join forces, take charge of our finances, and work together towards the ultimate goal of financial freedom.

Share this podcast with friends and colleagues who may benefit from this transformative journey. It's time to embrace change and embark on the path to financial freedom.

If you enjoyed the show, find and follow Dr. Disha everywhere else:

Twitter

Website

Facebook

The Frugal Physicians Facebook Group

YouTube (Coming Soon!)

-----------

Please note: The content shared on the podcast is for informational purposes only and should not be considered individualized financial advice. It is essential to consult with professionals such as accountants, financial advisors, or attorneys to receive personalized guidance based on your specific needs.

Special thanks to our Title Sponsor, @PearsonRavitz– Life, Disability, and Long-Term Care Coverage for a secure future. 

—----

We're STILL on Baby Step 5 - Max Out All Tax Protected Space!

In this episode, Dr. Disha continues with the 8 Baby Steps of financial independence, discussing asset allocation and building an investment portfolio. She emphasizes the importance of passive index investing and diversification, providing tips on choosing funds with low costs. 

Link to the Retirement Plans Cheat Sheet

Dr. Disha also delves into the concept of asset location and covers the insurances available for different types of investments. The episode concludes with a reminder of the significance of investing and compounding over time.

—----

Dr. Disha created this podcast to share her story and provide guidance to those who feel trapped in their financial circumstances. Let's join forces, take charge of our finances, and work together towards the ultimate goal of financial freedom. 

Share this podcast with friends and colleagues who may benefit from this transformative journey. It's time to embrace change and embark on the path to financial freedom.

If you enjoyed the show, find and follow Dr. Disha everywhere else:

Twitter

Website

Facebook

The Frugal Physicians Facebook Group

YouTube (Coming Soon!)

-----------

Looking for something specific in this show? Here you go!

[00:00:00] Introduction and sponsor acknowledgment

[00:02:00] Recap of previous baby steps

[00:03:32] Overview of asset allocation for investment portfolios

[00:05:36] Recommended percentages of stocks, bonds, and other asset classes

[00:07:25] The benefits of passive index investing

[00:08:55] Factors to consider when designing a portfolio

[00:12:04] Evaluating the expense ratios of funds

[00:15:26] Allocating investments based on account types and tax efficiency

[00:17:55] Choosing a fee-only fiduciary advisor for professional assistance

[00:19:00] Understanding FDIC and SIPC insurance coverage

[00:23:21] Importance of investor behavior and setting investing goals

[00:25:00] Final thoughts on the power of compounding

Please note: The content shared on the podcast is for informational purposes only and should not be considered individualized financial advice. It is essential to consult with professionals such as accountants, financial advisors, or attorneys to receive personalized guidance based on your specific needs.

Special thanks to our Title Sponsor, @PearsonRavitz– Life, Disability, and Long-Term Care Coverage for a secure future. 

—----

We're on Baby Step 5 - Max Out All Tax Protected Space!

In this episode, Dr. Disha discusses the importance of maximizing tax-advantaged retirement accounts. She explains the concept of compound interest and how it can contribute to long-term wealth building. Dr. Disha also provides an overview of various retirement account options, including 401(k)s, 403(b)s, IRAs, and HSAs. She emphasizes the need to assess individual circumstances and choose the most suitable retirement accounts to maximize contributions. 

Dr. Disha also addresses different investment options, including mutual funds, index funds, ETFs, bonds, cash equivalents, alternative investments, commodities, cryptocurrencies, hedge funds, private equity, and collectibles. She highlights the benefits and risks associated with each asset class and provides an overview of their characteristics. 

—----

Dr. Disha created this podcast to share her story and provide guidance to those who feel trapped in their financial circumstances. Let's join forces, take charge of our finances, and work together towards the ultimate goal of financial freedom. 

Share this podcast with friends and colleagues who may benefit from this transformative journey. It's time to embrace change and embark on the path to financial freedom.

If you enjoyed the show, find and follow Dr. Disha everywhere else:

Twitter

Website

Facebook

The Frugal Physicians Facebook Group

YouTube (Coming Soon!)

-----------

Looking for something specific in this show? Here you go!

[00:00:00] Introduction and podcast overview

[00:01:17] Recap of previous baby steps

[00:02:01] The power of compound interest

[00:02:40] Tax advantages of retirement accounts

[00:04:05] Explaining the backdoor Roth IRA strategy

[00:05:00] The benefits of health savings accounts (HSAs)

[00:06:00] Overview of different retirement account options

[00:07:01] Considerations for maximizing tax-advantaged space

[00:08:00] Importance of taking advantage of available retirement accounts

[00:21:44] Understanding mutual funds and load fees

[00:22:00] Introduction to index funds and their passive nature

[00:22:35] Actively managed funds vs. index funds

[00:22:46] Jack Bogle's quote on index fund investing

[00:23:00] Exploring exchange-traded funds (ETFs)

[00:23:28] Introduction to bonds and their fixed income nature

[00:24:00] Different types of bonds, including municipal bonds and treasury bonds

[00:25:00] Risks associated with bonds, such as credit risk and interest rate risk

[00:26:00] SVB's collapse as an example of interest rate risk

[00:27:01] Overview of cash equivalents, including CDs and money market funds

[00:28:00] Introduction to alternative investments like real estate, REITs, and commodities

[00:29:00] Exploring cryptocurrencies, hedge funds, private equity, and collectibles

[00:30:52] Acknowledging the variety of asset classes available for investment

Please note: The content shared on the podcast is for informational purposes only and should not be considered individualized financial advice. It is essential to consult with professionals such as accountants, financial advisors, or attorneys to receive personalized guidance based on your specific needs.

Special thanks to our Title Sponsor, PearsonRavitz, empowering physicians to protect their income.

—----

The episode covers Baby Step 4, which focuses on paying off high-interest debt. It highlights the negative impact of high-interest debt on cash flow and wealth building. Listeners are encouraged to identify their debts and their interest rates, with credit card debt being a significant concern due to its high average interest rate. Strategies for finding extra money to pay off debt are discussed, such as increasing income or cutting back expenses. The benefits of budgeting are emphasized, including the sense of control, freedom to spend without guilt, and the ability to align spending with values. The zero-based, line-item budgeting method is explained as an effective approach, and the process of tracking spending is explored, along with options like spreadsheets and budgeting apps.

Resources Mentioned:

• Lending Tree: Average credit card interest rate in America today is 20%

• The Frugal Physician website (www.thefrugalphysician.com): Offers a free budget template for download

• Budgeting apps: YNAB, Personal Capital, Every Dollar

Dr. Disha created this podcast to share her story and provide guidance to those who feel trapped in their financial circumstances. Let's join forces, take charge of our finances, and work together towards the ultimate goal of financial freedom. 

Share this podcast with friends and colleagues who may benefit from this transformative journey. It's time to embrace change and embark on the path to financial freedom.

If you enjoyed the show, find and follow Dr. Disha everywhere else:

Twitter

Website

Facebook

The Frugal Physicians Facebook Group

YouTube (Coming Soon!)

-----------

Looking for something specific in this show? Here you go!

[00:02:39] Baby Step Four: Knocking out high-interest debt.

[00:03:24] Identify debts and their interest rates.

[00:03:49] Average credit card interest rate: 20%.

[00:04:08] Pay off debt to improve cash flow.

[00:04:27] Boost income or cut expenses.

[00:05:00] Save more, improve debt payoff.

[00:05:25] A dollar saved is valuable.

[00:06:00] Track spending, take control.

[00:06:10] Budgeting: Overcoming negative connotations.

[00:08:00] Budgeting: Feel wealthy, control finances.

[00:09:47] Strategies to eliminate high-interest debt.

[00:10:02] Calculate impact of interest rates.

[00:10:17] Empower yourself by tracking spending.

[00:11:02] Find creative ways to increase income.

[00:14:45] Develop healthy financial habits for long-term success.

[00:15:00] Empower yourself by mastering your finances.

[00:15:15] Inspire others with your debt-free journey.

[00:15:30] Find support in like-minded communities.

[00:15:45] Discover the joy of financial independence.

[00:16:00] Transform your relationship with money.

[00:16:15] Break free from the burden of debt.

[00:17:45] Step into a life of financial abundance.

[00:18:00] Regain control of your financial narrative.

[00:18:15] Empower yourself with a debt-free lifestyle.

[00:18:30] High-interest debt: Conquer and conquer.

[00:18:45] Rewrite your financial story with determination.

[00:19:00] Baby Step Four: Embrace financial liberation.

[00:19:45] Take charge of your financial destiny with Baby Step Four.d.

[00:21:00] Embrace the freedom of a debt-free life.

[00:21:15] Step into a brighter financial future with Baby Step Four.

[00:21:30] High-interest debt: It's time to show it who's boss.

[00:24:30] Baby Step Four: Empower your financial journey, conquer high-interest debt.

[00:24:45] Say goodbye to the weight of high-interest debt, welcome financial liberation.

[00:26:15] Break the chains of high-interest debt and embark on a journey to financial prosperity.

[00:26:30] High-interest debt: Conquer it, rewrite your financial story, and thrive.

[00:29:00] Embrace the journey of conquering high-interest debt and unlocking financial abundance.

Please note: The content shared on the podcast is for informational purposes only and should not be considered individualized financial advice. It is essential to consult with professionals such as accountants, financial advisors, or attorneys to receive personalized guidance based on your specific needs.

Special thanks to our Title Sponsor, PearsonRavitz – Safeguarding the futures of physicians with disability insurance. 

—----

Building upon her last episode where she covers Baby Step 1: Protect and Baby Step 2: Starter Emergency Fund, Dr. Disha offers her insight on Baby Step 3:  Start Investing and Game Plan Student Loans in episode 5. 

Managing student loan debt, investing for the future, and building an emergency fund are critical to achieving financial freedom. Dr. Disha emphasizes the importance of starting to invest early to take advantage of compound interest. This powerful mathematical money strategy involves earning interest, adding to the principal, and earning even more interest the next month and so on. 

Furthermore, Dr. Disha provides examples of how investing $2,000 per month for 35 years with an average of 5% interest can result in over $2 million with compounding interest, compared to only $882,000 with simple interest. She notes that compounding takes time to reach a critical mass for exponential growth and that medical professionals may have lost a decade of investing compared to their non-medical peers due to being in training. 

This episode encourages listeners to use a compound interest calculator to see the potential impact of investing early and highlights the power of saving and investing to exponentially change one's life.

Dr. Disha created this podcast to share her story and provide guidance to those who feel trapped in their financial circumstances. Let's join forces, take charge of our finances, and work together towards the ultimate goal of financial freedom. 

Share this podcast with friends and colleagues who may benefit from this transformative journey. It's time to embrace change and embark on the path to financial freedom.

If you enjoyed the show, find and follow Dr. Disha everywhere else:

Twitter

Website

Facebook

The Frugal Physicians Facebook Group

YouTube (Coming Soon!)

-----------

Looking for something specific in this show? Here you go!

[00:03:35] Compound interest and investing. 

[00:04:14] Compound interest and exponential growth. 

[00:09:21] Safe withdrawal rates for portfolios. 

[00:14:28] Retirement savings incentives. 

[00:18:06] Retirement investing and debt. 

[00:21:45] Student loan forgiveness plans. 

[00:25:47] Loan forgiveness and repayment plans. 

[00:30:05] Student loan forgiveness options. 

[00:34:04] Paying off student loans. 

[00:38:33] Safeguarding your future.

Please note: The content shared on the podcast is for informational purposes only and should not be considered individualized financial advice. It is essential to consult with professionals such as accountants, financial advisors, or attorneys to receive personalized guidance based on your specific needs.

Special thanks to our Title Sponsor, Set for Life Insurance – Life, Disability, and Long-Term Care Coverage for a secure future. 

—----

Dr. Disha talks about the first baby step for physicians, which is to protect their loved ones with insurance.

Dr. Disha shares a personal story about how she learned the importance of this step the hard way. Her father struggled with mental illness and took his own life at the young age of 35. With little life insurance and savings, Dr. Disha and her family had to start over with very little when they moved to the United States. This experience made her realize the importance of acquiring appropriate insurances and making an estate plan.

The first thing anyone should do when thinking about wealth building is to extend an umbrella of protection over their loved ones. It's easy to get caught up in wealth building, but the first step should be to acquire appropriate insurances and make an estate plan. Life insurance is critical if someone has dependents. Everyone should have enough life insurance to ensure a stable future for their spouse and children in case of their demise.

Dr. Disha created this podcast to share her story and provide guidance to those who feel trapped in their financial circumstances. Let's join forces, take charge of our finances, and work together towards the ultimate goal of financial freedom. 

Share this podcast with friends and colleagues who may benefit from this transformative journey. It's time to embrace change and embark on the path to financial freedom.

If you enjoyed the show, find and follow Dr. Disha everywhere else:

Twitter

Website

Facebook

The Frugal Physicians Facebook Group

YouTube (Coming Soon!)

-----------

Looking for something specific in this show? Here you go!

[00:01:37] Protecting your loved ones. 

[00:03:49] Life insurance and estate planning. 

[00:07:19] Importance of life insurance. 

[00:11:03] Own occupation disability policy. 

[00:14:44] Health insurance plans. 

[00:17:05] Protecting assets in marriage. 

[00:21:23] Emergency Funds for Unexpected Expenses. 

[00:24:15] Estate planning and inheritance. 

[00:27:32] Consult with professionals.

Please note: The content shared on the podcast is for informational purposes only and should not be considered individualized financial advice. It is essential to consult with professionals such as accountants, financial advisors, or attorneys to receive personalized guidance based on your specific needs.

Special thanks to our Title Sponsor, Set for Life Insurance – Life, Disability, and Long-Term Care Coverage for a secure future. 

—----

Dr. Disha reveals the path to financial freedom through 8 tailored baby steps designed specifically for physicians. She emphasizes the importance of transforming our mindset, distinguishing between assets and liabilities, eliminating high-interest debts, and embracing the FIRE movement. With determination, discipline, and adherence to these steps, we can regain control of our financial lives, reach milestones of solvency, health, and independence, and ultimately create a future where work is a choice and financial worries are a thing of the past. 

Driven by Dr. Disha's mission of financial enlightenment, we join countless doctors and high-income professionals in this inspiring quest for financial independence, one step at a time.

Dr. Disha created this podcast to share her story and provide guidance to those who feel trapped in their financial circumstances. Let's join forces, take charge of our finances, and work together towards the ultimate goal of financial freedom. 

Share this podcast with friends and colleagues who may benefit from this transformative journey. It's time to embrace change and embark on the path to financial freedom.

If you enjoyed the show, find and follow Dr. Disha everywhere else:

Twitter

Website

Facebook

The Frugal Physicians Facebook Group

YouTube (Coming Soon!)

-----------

Looking for something specific in this show? Here you go!

[00:15:21] Step 1: Create a Budget and Track Your Spending

[00:15:39] Step 2: Build an Emergency Fund

[00:16:04] Step 3: Protect Yourself with Adequate Insurance

[00:16:24] Step 4: Tackle High-Interest Debt

[00:16:50] Step 5: Maximize Retirement Contributions

[00:17:13] Step 6: Save for Short-Term Goals

[00:17:31] Step 7: Pay Off Low-Interest Debt

[00:17:50] Step 8: Build Wealth and Achieve Financial Independence

Please note: The content shared on the podcast is for informational purposes only and should not be considered individualized financial advice. It is essential to consult with professionals such as accountants, financial advisors, or attorneys to receive personalized guidance based on your specific needs.

Welcome back to the Finding Financial Freedom Podcast with Dr. Disha Spath. Today's episode features a powerful and insightful conversation with Dr. Stephen Cohen—a seasoned physician and educator who's been through the highs and lows of a medical career, including facing legal challenges head-on.

In this episode, we go deep into what it really means to be a doctor under legal fire. Dr. Cohen shares hard-earned wisdom on handling lawsuits, building emotional resilience, and maintaining clarity under pressure. This conversation is both grounding and empowering for every physician who fears or is currently facing litigation.

Key Topics Covered:

1. How to Emotionally Navigate a Lawsuit

• The emotional toll of being sued—and why it mirrors the five stages of grief.
• How to move from panic and shame to growth and acceptance.

2. Practical Tips for Physicians Facing Legal Action

• The power of community, mentorship, and legal education.
• What to do first when you're served with a lawsuit.

3. Supervision and Liability

• What physicians in leadership roles need to know about autonomy and responsibility.
• How to protect yourself legally when overseeing others.

4. Becoming a Resilient Physician

• How to stay grounded when your identity feels shaken by legal or professional setbacks.

Listener Takeaways:

• How to reframe lawsuits as part of the medical journey—not a personal failure.
• Why it's crucial to separate your worth from your wins and losses in court.
• How to build legal literacy and emotional resilience early in your career.

Connect with Us:

Host: Dr. Disha Spath, The Frugal Physician
Guest: Stephen M. Cohen, MD, MBA

If you're a physician striving for more than just financial security—if you're seeking joy, alignment, and meaning—this episode is your roadmap.

Special thanks to our Title Sponsor, Set for Life Insurance – Life, Disability, and Long-Term Care Coverage for a secure future. 

—----

In this episode, Dr. Disha interviews her husband, Josh Spath, an IT project manager with a background in the US Army Signal Corps. Josh talks about his passion for technology and how it has always been his hobby and interest. He also shares his upbringing, where the financial side of things was never really brought up in his house. His parents taught him to work hard, save money in the bank, and retire. Josh's dad also had a pension from being a state worker for over 30 years.

Dr. Disha created this podcast to share her story and provide guidance to those who feel trapped in their financial circumstances. Let's join forces, take charge of our finances, and work together towards the ultimate goal of financial freedom. 

Share this podcast with friends and colleagues who may benefit from this transformative journey. It's time to embrace change and embark on the path to financial freedom.

If you enjoyed the show, find and follow Dr. Disha everywhere else:

Twitter

Website

Facebook

The Frugal Physicians Facebook Group

YouTube (Coming Soon!)

-----------

Looking for something specific in this show? Here you go!

[00:02:15] Financial challenges during medical training. 

[00:04:41] Court wedding and deployment. 

[00:09:57] Financial epiphany during maternity leave. 

[00:11:43] Sacrifices for family life. 

[00:15:10] Budgeting as a diagnostic tool. 

[00:19:03] Paying off  over $250,000. 

[00:24:03] Financial freedom advice. 

Please note: The content shared on the podcast is for informational purposes only and should not be considered individualized financial advice. It is essential to consult with professionals such as accountants, financial advisors, or attorneys to receive personalized guidance based on your specific needs.

Special thanks to our Title Sponsor, Set for Life Insurance – Life, Disability, and Long-Term Care Coverage for a secure future. 

—----

Five years ago, Dr. Disha reached a breaking point in her career. She was overwhelmed, burnt out, and feeling pulled in multiple directions without making progress in any of them. Determined to change her life, she took a hard look at her financial situation and devised a plan to pay off her debt. Through budgeting, cutting expenses, and stepping into the stock market, she managed to eliminate her debt burden and create a financial cushion.

This newfound financial freedom gave her the opportunity to design a life on her own terms. She adjusted her work schedule, pursuing her passion project and rediscovering the joys of tennis and music. She learned that having financial stability and reducing debt not only provides options but also empowers you to live a life aligned with your values.

Dr. Disha created this podcast to share her story and provide guidance to those who feel trapped in their financial circumstances. Let's join forces, take charge of our finances, and work together towards the ultimate goal of financial freedom. 

Share this podcast with friends and colleagues who may benefit from this transformative journey. It's time to embrace change and embark on the path to financial freedom.

If you enjoyed the show, find and follow Dr. Disha everywhere else:

Twitter

Website

Facebook

The Frugal Physicians Facebook Group

YouTube (Coming Soon!)

-----------

Looking for something specific in this show? Here you go!

00:00: Introduction and background: 

Dr. Disha Spath shares her personal journey and the importance of financial empowerment for physicians.

02:15: Student loans and early financial decisions: 

Dr. Spath discusses her experiences with student loans, financial choices during undergrad and medical school, and the impact of taking a year off to teach in Southern California.

07:35: Career and family decisions: 

Dr. Spath talks about meeting her husband, their career choices, buying a house for rental purposes, and the financial challenges they faced while starting a family.

14:05: Debt and financial struggle: 

Dr. Spath reveals the extent of their debt, including student loans, mortgage, and car loans, and how they were living paycheck to paycheck despite appearances.

18:20: Realization and seeking financial advice: 

Dr. Spath shares her realization during maternity leave, meeting with a financial advisor, and taking steps to improve their financial situation.

23:30: Debt repayment strategy: 

Dr. Spath explains their decision to adopt the Dave Ramsey method, track expenses, create a budget, and prioritize paying off debts using the snowball method.

27:40: Overcoming lifestyle inflation: 

Dr. Spath describes how they resisted lifestyle inflation when buying a new car and chose to pay with cash instead of taking on more debt.

31:25: Focusing on student loans: 

Dr. Spath discusses their decision to focus on paying off student loans and the considerations behind their move to Albany, New York.

35:10: Conclusion and future plans: 

Dr. Spath reflects on their progress, moving to Albany, and their commitment to financial freedom.

Please note: The content shared on the podcast is for informational purposes only and should not be considered individualized financial advice. It is essential to consult with professionals such as accountants, financial advisors, or attorneys to receive personalized guidance based on your specific needs.

In the debut episode of the Finding Financial Freedom Podcast with The Frugal Physician, Dr. Disha Spath takes you on an exciting financial adventure to revolutionize your relationship with money. As a full-time practicing internal medicine physician and a first-generation immigrant, Dr. Spath shares her personal journey of overcoming financial challenges and transforming her financial situation.

In this podcast, Dr. Spath will outline the eight-step strategy that helped her family achieve financial stability. She also promises to provide valuable insights from experts in personal finance and wealth management through interviews and discussions.

Join Dr. Spath on this journey to financial health and beyond. Subscribe now and embark on a path towards finding financial freedom.

If you enjoyed the show, find and follow Dr. Disha everywhere else:

Twitter

Website

Facebook

The Frugal Physicians Facebook Group

YouTube (Coming Soon!)

-----------

Looking for something specific in this show? Here you go!

[00:00:22] Introduction:

• Josh introduces the podcast and welcomes listeners to revolutionize their relationship with money.

[00:00:41] Meet Dr. Disha Spath: 

• Dr. Spath introduces herself as a full-time practicing internal medicine physician and shares her background in personal finance writing and podcasting.

[00:01:08] Financial Journey Beginnings:

• Dr. Spath talks about her limited money management knowledge growing up in a first-generation immigrant family and the financial choices she and her husband made early in their careers.

[00:01:31] Reaching a Breaking Point:

• Dr. Spath explains how they found themselves deep in student debt and unhappiness despite their apparent success, leading to a decision to take control of their financial situation.

[00:01:48] Embracing Frugality and Mindful Spending:

• Dr. Spath discusses their journey of paying off debt, starting with cars and student loans by adopting frugality and mindful spending practices.

[00:02:34] Astonishing Results:

• Dr. Spath shares the incredible outcome of their financial transformation in just five years through debt payoff and strategic investments.

[00:03:00] Financial Freedom for All:

• Dr. Spath emphasizes that financial freedom is possible for everyone, regardless of background, income, or profession, and highlights the importance of education and applying foundational money management principles.

[00:03:39] Podcast Overview:

• Dr. Spath introduces the eight-step strategy she will share in upcoming episodes to help listeners achieve financial health. She also mentions featuring interviews with experts in personal finance and wealth management.

[00:03:47] Closing Remarks:

• Reminder that listeners should seek personalized guidance from professionals such as accountants, financial advisors, and/or attorneys. 

Please note: The content shared on the podcast is for informational purposes only and should not be considered individualized financial advice. It is essential to consult with professionals such as accountants, financial advisors, or attorneys to receive personalized guidance based on your specific needs.

"Can money really buy happiness, or just comfort?" Let's find out in today's episode.

Welcome back to the Finding Financial Freedom Podcast with Dr. Disha Spath. In this episode, we're doing something special—a collaborative episode with Dr. Elisa Chiang, host of the Grow Your Wealthy Mindset Podcast. Dr. Elisa is a practicing oculoplastic surgeon, certified life coach, and founder of Grow Your Wealthy Mindset, where she empowers physicians to take control of their finances and live with intention.

In this joint episode, we dive deep into the intersection of money, happiness, and intentional living.  Together, we explore how financial wellness supports happiness—but why it's not the whole picture. From personal insights on spending habits to reflections on physician burnout and values-driven choices, this conversation unpacks what it truly means to live a wealthy life—and find financial independence as physicians.

Key Topics Covered:

1. Does Money Buy Happiness?
Why money contributes to happiness—but doesn't guarantee it.

2. Value-Based Spending
How aligning your spending with your values brings more satisfaction.
When purchases become liabilities—emotionally and financially.

3. Physician Wellness for Doctors
The pressure to "upgrade" lifestyle post-training and finding the path to financial wellness.

4. Trading Time for Money (Is It Worth It?)
Why more income doesn't always mean more happiness.
How to eliminate lifestyle inflation and regain control of your finances.

5. Money and Happiness
 Why achieving happiness as a physician requires active, ongoing work.
 How coaching and self-reflection can lead to real balance.

Listener Takeaways:

• How to align money with your definition of a meaningful life.
• Why physicians often tie self-worth to income—and how to break free.
•  Practical ways to build happiness into your financial journey.
• How to stop trading time for money and start living intentionally.

Resources Mentioned:

• GrowYourWealthyMindset.com 
• The Grow Your Wealthy Mindset Podcast

Follow Dr. Elisa Chiang:

• Instagram:  @GrowYourWealthyMindset instagram
• Facebook: ElisaChiang

About the Co-Host:

Dr. Elisa Chiang is a board-certified oculoplastic surgeon, life coach, and host of the Grow Your Wealthy Mindset Podcast. She helps physicians take charge of their money and mindset to build a life of purpose, balance, and true wealth.

Connect with Us:

Host: Dr. Disha Spath, The Frugal Physician

If you're a physician striving for more than just financial security—if you're seeking joy, alignment, and meaning—this episode is your roadmap.

Welcome back to the Finding Financial Freedom Podcast with Dr. Disha Spath.

Today, we're celebrating a major milestone—our 100th episode! In this special edition, Dr. Disha is joined by her husband and guest host, Josh, for a heartfelt conversation that traces her journey from burnout to bold new beginnings—including why she's launching her very own Direct Primary Care (DPC) practice.

From wild adventures in the Amazon to the decision to leave traditional practice behind, Disha opens up about the pivotal life moments that shaped her medical path and her renewed commitment to building a career—and life—that aligns with her values.

Key Topics Covered:

1. What Sparked the Calling to Medicine
Disha's earliest motivations for becoming a doctor—and how those roots evolved.

2. Camping in the Amazon
How an outdoor expedition became a transformative experience.

3. Medical School and Major Life Events
Navigating med school while facing personal and professional challenges.

4. Falling in Love with the Outdoors
How reconnecting with nature shifted her priorities and fueled change.

5. Financial Reset with Josh
What it took for Disha and Josh to get on the same page financially.

6. The Burnout That Changed Everything
Recognizing the toll of traditional medicine—and deciding to do things differently.

7. Why She's Starting a DPC Practice
What a Direct Primary Care model offers—and why this is her next chapter.

8. Keep the Frugal Physician Going
Starting a DPC while managing the Frugal Physician and Finding Financial Freedom Podcast

Listener Takeaways:

• The importance of aligning your work with your values.
• How to recognize and recover from physician burnout.
• Steps to reset your financial life as a couple.
• Why DPC may be the solution for doctors seeking autonomy and purpose.
• What it really looks like to pivot mid-career—with courage and clarity.

Connect with Us:

Host: Dr. Disha Spath, The Frugal Physician

If you're a physician looking to take control of your career, finances, and future, this episode is a must-listen!

This episode is also sponsored by

Set for Life Insurance – Providing more than just insurance policies—they deliver personalized coverage and expert guidance tailored to your needs.

Whether you're looking for life, disability, or long-term care insurance, their team ensures you get the best protection at the most cost-effective rates.

With priority underwriting, special discounts, and access to top-rated insurers, they make securing your future simple and stress-free.

Take the next step in protecting what matters most. Visit setforlifeinsurance.com or call 1-888-553-3559 today.

In this episode of the Finding Financial Freedom Podcast, we sat down with Dr. Alex Schloe, a physician and real estate investor who transitioned from a traditional path in medicine to a life of autonomy and financial freedom. If you're a physician seeking more control over your time, career, and finances—this conversation is for you.

Dr. Alex shares how his desire for flexibility and purpose led him to explore real estate, eventually finding success through residential assisted living and syndications. He breaks down how these investments create cash flow and how they can empower physicians to practice medicine on their own terms.

Key Topics Covered:

1. Dr. Alex's Background
From conventional medical training to pursuing autonomy through financial education and investing.

2. Starting the Real Estate Journey
How Dr. Alex began investing in real estate and what sparked his interest.

3. Learning Syndication
How he discovered real estate syndications and built confidence to get involved.

4. Residential Assisted Living Explained
What it is, how it works, and why it's an opportunity for impact and profit.

5. Four Ways to Invest in Assisted Living
Dr. Alex breaks down the different investment models available in this niche.

6. Cash Flow Potential
A practical look at the cash flow potential in residential assisted living—and how it compares to traditional rental properties.

7. Practicing Medicine on Your Own Terms
How real estate investing has allowed Dr. Alex to design a medical career that aligns with his passions and lifestyle.

Resources Mentioned:

• Dr. Alex Schloe Website 
• Residential Assisted Living Academy
• Physicians and Properties Podcast

Listener Takeaways:

• You don't need to leave medicine to take control of your time—you need financial freedom.
• Real estate investing, especially in assisted living, can provide both profit and purpose.
• Syndications and assisted living are powerful tools for physicians looking to diversify income.
• Autonomy is achievable with the right education and network.

Connect with Us:

• Host: Dr. Disha Spath, The Frugal Physician

• Guest: Dr. Alex Schloe, Physician and Real Estate Investor

This episode is also sponsored by

Set for Life Insurance – Providing more than just insurance policies—they deliver personalized coverage and expert guidance tailored to your needs.

Whether you're looking for life, disability, or long-term care insurance, their team ensures you get the best protection at the most cost-effective rates.

With priority underwriting, special discounts, and access to top-rated insurers, they make securing your future simple and stress-free.

Take the next step in protecting what matters most. Visit setforlifeinsurance.com or call 1-888-553-3559 today.

Is burnout stealing your joy in medicine? You're not alone—and you don't have to settle.

In this inspiring episode of The Finding Financial Freedom Podcast, Dr. Disha Spath sits down with Dr. Cory Fawcett—retired surgeon, physician coach, and author of The Doctors Guide series—to explore how doctors can reclaim joy, autonomy, and purpose without leaving healthcare.

From overcoming inertia and toxic work cycles to using financial wellness as a lever for change, Dr. Fawcett offers practical tools to help you fall back in love with your career. Whether you're teetering on the edge or just want more fulfillment in your day-to-day, this conversation is your permission slip to reimagine what's possible.

Key Topics Covered:

1. Why He Wrote The Doctors Guide to Reclaiming the Joy of Practicing Medicine

Dr. Fawcett shares the inspiration behind his book and how it's helped thousands of physicians rediscover joy in their work.

2. The Inertia Effect in Medical Practice

Learn how doctors get trapped in routines that no longer serve them—and what it takes to break free.

3. Three Essential Questions Every Physician Should Ask

"So what? Who cares? What's in it for me?"—Dr. Fawcett explains how these questions can shift your mindset and lead to meaningful change.

4. Creating 'Aha!' Moments for Physicians

Discover how Dr. Fawcett helps clients connect with their core values to spark powerful career and life transformations.

5. Challenging the Misconception About Patient Hours

Why reducing patient hours doesn't mean you're abandoning patients—and how it can actually enhance the care you provide.

6. Practical Problem-Solving: Write Down 10 Solutions

A simple but powerful tool Dr. Fawcett uses to move past feeling stuck and toward intentional action.

7. Joy Over Paychecks

How to separate your sense of purpose from your paycheck and pursue the work that truly energizes you.

8. Finding the Real 'Why'

Uncovering your deeper motivation beyond medicine—and why this is the key to long-term fulfillment.

Resources Mentioned:

• Physician Side Gigs

Listener Takeaways:

• Discover how to reignite your passion for medicine—even if you're feeling burned out.
• Learn how financial independence gives you the power to say "no" to toxic work environments.
• Get practical tools to reframe your mindset and build a more joyful, sustainable career.
• Understand how small changes can create a ripple effect of purpose and autonomy in your professional life.

Connect with Us:

• Host: Dr. Disha Spath, The Frugal Physician

• Guest: Dr. Cory Fawcett LinkedIn, Retired Surgeon, Coach & Author

This episode is also sponsored by

Set for Life Insurance – Providing more than just insurance policies—they deliver personalized coverage and expert guidance tailored to your needs.

Whether you're looking for life, disability, or long-term care insurance, their team ensures you get the best protection at the most cost-effective rates.

With priority underwriting, special discounts, and access to top-rated insurers, they make securing your future simple and stress-free.

Take the next step in protecting what matters most. Visit setforlifeinsurance.com or call 1-888-553-3559 today.

Welcome back to part two of our interview with Dr. Nisha Mehta on the Finding Financial Freedom Podcast! Today, we dive into the financial side of being a physician. Dr. Nisha shares valuable insights on how physicians can build long-term financial security, prepare for economic recessions, and leverage the power of side gigs to overcome adversity. We also discuss how to maximize your W2 income for financial empowerment and what the future holds for physician side gigs.

Key Topics Covered:

1. Pain Point on Being and Entrepreneur
Building your business and managing it by setting boundaries

2. Getting Comfortable with Your Own Skin
Being comfortable with wherever phase you are at in your life

3. Driving Change in Your Industry
Learn how to turn your ideas into impactful action that drives change in the healthcare field.

4. Overcoming the Struggles of Entrepreneurship
Dr. Nisha opens up about the financial and mental hurdles she faced while building a business.

5. Managing Cash Flow During Economic Uncertainty
Practical solutions for physicians to safeguard their finances during times of economic instability.

6. Maximizing Your W2 Income
Discover how to leverage your W2 income for greater financial empowerment and stability.

7. The Future of Physician Side Gigs
Dr. Nisha shares what's next for the physician side gig community and her ongoing mission.

Resources Mentioned:

• Physician Side Gigs

Listener Takeaways:

• Strategies to overcome financial challenges in uncertain times.
• How to turn your entrepreneurial ideas into a thriving business.
• The importance of maximizing your W2 income while diversifying income streams.
• Practical advice for managing your cash flow and preparing for economic downturns.
• Insights into the future of physician side gigs and how you can get involved.

Connect with Us:

• Host: Dr. Disha Spath, The Frugal Physician

• Guest: Dr. Nisha Mehta, Founder, Physician Side Gigs

If you're a physician looking for more autonomy and fulfillment, this episode is a must-listen!

This episode is also sponsored by

Set for Life Insurance – Providing more than just insurance policies—they deliver personalized coverage and expert guidance tailored to your needs.

Whether you're looking for life, disability, or long-term care insurance, their team ensures you get the best protection at the most cost-effective rates.

With priority underwriting, special discounts, and access to top-rated insurers, they make securing your future simple and stress-free.

Take the next step in protecting what matters most. Visit setforlifeinsurance.com or call 1-888-553-3559 today.

Welcome back to the Finding Financial Freedom Podcast with Dr. Disha Spath. Today, we're joined by Dr. Nisha Mehta, a radiologist, nationally recognized thought leader in physician finance, and founder of Physician Side Gigs—a thriving community of over 200,000 physicians.

In this episode, Dr. Nisha shares how she built Physician Side Gigs from the ground up, navigated the challenges of being a public figure, and leveraged her platform to create lasting change in the medical industry. She opens up about the realities of physician burnout, how to prevent it, and what it takes to channel momentum into meaningful industry transformation.

Key Topics Covered:

1. From Radiologist to Industry Leader

   • How Dr. Nisha built Physician Side Gigs into a movement.

2. The Challenges of Social Media Influence

   • The trials and lessons of leading a large online community.

3. Navigating Burnout in Medicine

   • Identifying burnout early and strategies for prevention.

4. Driving Change in Your Industry

   • How to turn ideas into impactful action.

5. Overcoming the Struggles of Entrepreneurship

   • The financial and mental hurdles of building a business.

6. Managing Cash Flow During Economic Uncertainty

   • Practical solutions for physicians facing financial challenges.

7. The Future of Physician Side Gigs

   • What's next for the community and Dr. Nisha's mission.

Resources Mentioned:

• Physician Side Gigs

Listener Takeaways:

• How to balance clinical practice with entrepreneurship.

• Why burnout happens and how to prevent it.

• Steps to create meaningful change in your field.

• How to stay financially secure during economic downturns.

Connect with Us:

• Host: Dr. Disha Spath, The Frugal Physician

• Guest: Dr. Nisha Mehta, Founder, Physician Side Gigs

If you're a physician looking for more autonomy and fulfillment, this episode is a must-listen!

This episode is also sponsored by

Set for Life Insurance – Providing more than just insurance policies—they deliver personalized coverage and expert guidance tailored to your needs.

Whether you're looking for life, disability, or long-term care insurance, their team ensures you get the best protection at the most cost-effective rates.

With priority underwriting, special discounts, and access to top-rated insurers, they make securing your future simple and stress-free.

Take the next step in protecting what matters most. Visit setforlifeinsurance.com or call 1-888-553-3559 today.

Defy gravity and take control of your practice! It's time to break free from the corporate track and step into the world of Direct Primary Care. No more restrictions—just you, your patients, and the freedom to practice on your terms. Doctors, are you ready to rise?

Today, we sat down with Dr. Marina Capella, an integrated pediatrician based in South Lake City, Utah. In 2021, she launched Healing Arts Pediatrics, a Direct Primary Care (DPC) practice designed to bring joy and freedom back into pediatric medicine. 

Dr. Capella shares her journey of breaking free from the constraints of insurance-based healthcare, the financial realities of launching a DPC, and how she empowers other pediatricians to rediscover their passion for medicine. 

Key Topics Covered:

1. Leaving Insurance-Based Healthcare

• Why Dr. Capella made the leap to DPC and never looked back.  

2. The Flaws of Insurance-Based Care

• The frustrations and limitations that led her to seek a better model.  

3. Burnout in Medicine

• Recognizing the signs and taking action to reclaim work-life balance.  

4. The Financial Leap into DPC 

• How she prepared financially to start her practice.  

5. The Costs of Starting a DPC  

• Breaking down the estimated expenses.  

6. Path to Profitability

• How long it took for her practice to become financially sustainable.  

7. Marketing and Community Building  

• The biggest challenges in establishing a DPC practice.  

8. Lessons Learned as a Pediatrician

• What she would do differently if she started over.  

9. Empowering Other Pediatricians 

• How she helps others find freedom in their medical careers. 

Resources Mentioned:

• DPCPediatrician.com
• DPC Pediatricians Podcast  
• DPC Healing Arts Pediatrics
• Defying Healthcare

Listener Takeaways:

• Why insurance-based healthcare may be holding doctors back.  
• The real costs and timeline of starting a DPC practice.  
• How to market and grow a successful DPC in your community.  
• The importance of financial planning before making the leap. 

Connect with Us:

• Host: Dr. Disha Spath, The Frugal Physician

• Guest: Dr. Marina Capella, Co-Founder of Future Minority Doctor, Physician Owner of Healing Arts Pediatrics 

If you're a physician looking for more autonomy and fulfillment, this episode is a must-listen!

This episode is sponsored by

Reza & Sharif CPAs - They provide more than just tax returns and financial statements—they deliver strategic financial solutions tailored to your needs. Whether you're a business owner, physician, or investor, they help you navigate complex tax laws, maximize savings, and build long-term wealth.

With expert tax planning, accounting, and advisory services, they ensure your finances work for you—not the other way around.

Take control of your financial future today. Visit rezasharif.com to see how they can help.

This episode is also sponsored by

Set for Life Insurance – Providing more than just insurance policies—they deliver personalized coverage and expert guidance tailored to your needs.

Whether you're looking for life, disability, or long-term care insurance, their team ensures you get the best protection at the most cost-effective rates.

With priority underwriting, special discounts, and access to top-rated insurers, they make securing your future simple and stress-free.

Take the next step in protecting what matters most. Visit setforlifeinsurance.com or call 1-888-553-3559 today.

Welcome back to the Finding Financial Freedom Podcast with Dr. Disha Spath. Today, we're joined by Amy Holbrook, Associate Program Director at Abbott Northwestern Internal Medicine Residency Program and Chair Elect of the National ACP Council. Dr. Amy is passionate about helping new attendings navigate the financial shifts that come with earning their first attending paycheck.  

In this episode, Dr. Amy shares how she got into financial wellness and the biggest financial mindset shifts that occur when transitioning from residency to attendingship. She breaks down key financial milestones, how to balance financial responsibilities while enjoying life, and strategies for building long-term financial stability. 

Key Topics Covered:

1. From Resident to Attending: The Financial Mindset Shift

• The biggest financial changes new attendings face.  

2. Smart Saving Strategies

• What percentage of income new attendings should aim to save.
• What to do after maxing out a 401(k).  

3. Balancing Lifestyle and Financial Responsibility 

•  Enjoying life while staying financially responsible.  
•  The importance of understanding retirement accounts.  

4. Debt vs. Retirement Savings 

• Should you focus on paying off debt or saving for retirement?  

5. Insurance & Financial Planning

• Must-have insurance policies for new attendings.  

6. Financial Education for New Attendings

• How Amy teaches residents to manage their first big paycheck.  

Resources Mentioned:

• Take-Home Paycheck Calculator
• Pearson Ravitz
• White Coat Investor
• Simple Path to Wealth
• Millionaire Life Next Door

Listener Takeaways:

• The key financial shifts that occur when transitioning from resident to attending.  
• How to build financial literacy and understand taxes.  
• The best strategies for saving, investing, and balancing debt.  
• Financial milestones every new attending should look out for. 

Connect with Us:

• Host: Dr. Disha Spath, The Frugal Physician

• Guest: Dr. Amy Holbrook

If you're a new attending looking to take control of your finances, this episode is packed with actionable insights to help you build wealth and financial confidence. Tune in now!

This episode is sponsored by

Reza & Sharif CPAs - They provide more than just tax returns and financial statements—they deliver strategic financial solutions tailored to your needs. Whether you're a business owner, physician, or investor, they help you navigate complex tax laws, maximize savings, and build long-term wealth.

With expert tax planning, accounting, and advisory services, they ensure your finances work for you—not the other way around.

Take control of your financial future today. Visit rezasharif.com to see how they can help.

This episode is also sponsored by

Set for Life Insurance – Providing more than just insurance policies—they deliver personalized coverage and expert guidance tailored to your needs.

Whether you're looking for life, disability, or long-term care insurance, their team ensures you get the best protection at the most cost-effective rates.

With priority underwriting, special discounts, and access to top-rated insurers, they make securing your future simple and stress-free.

Take the next step in protecting what matters most. Visit setforlifeinsurance.com or call 1-888-553-3559 today.

Big changes are here for student loans—and if you're a doctor, student, or high-debt professional, this episode could save you thousands. Dr. Disha Spath sits down with Aaron Smith, co-founder of Savi and longtime student loan policy advocate, to break down the One Big Beautiful Bill Act and what it really means for your financial future.

Aaron has worked with the Department of Education, Congress, and the White House—and he's carried student debt himself. Together, he and Dr. Disha unravel the brand-new Repayment Assistance Plan (RAP), the elimination of Grad PLUS loans, and how these reforms reshape repayment strategies, PSLF, and refinancing decisions.

Key Topics Covered:

1. The Big Beautiful Bill, Simplified

• What's changing in federal student loan repayment.
• Which repayment plans are gone, and the details behind RAP.

2. RAP vs. Current Plans

• Why RAP bases payments on gross income.
• Why locking into an income-driven repayment plan before 2026 could be a smart move.

3. PSLF Stays Strong

•  The good news: PSLF wasn't touched by the new law.
• How to avoid errors with employer certification and payment tracking.

4. Goodbye Grad PLUS Loans

• How cutting Grad PLUS reshapes graduate and medical school financing.
• What rising reliance on private loans means for lower-income students.

5. Smart Moves for Current Borrowers

• How to maximize forgiveness and avoid costly mistakes.
• Critical timelines for choosing your repayment plan.

6. Should You Refinance?

• When private refinancing could save you money—and when it locks you out of forgiveness forever.
• What falling interest rates might mean for borrowers in 2025–2026.

7. Employer Support & Advocacy

• How hospitals, universities, and employers are stepping up with student loan benefits.
• Why employer advocacy is helping expand PSLF eligibility.

Listener Takeaways:

• Act before July 2026: Enroll in an income-driven plan now to keep your options open.
• PSLF is safe—but annual employer certification is key to avoiding lost credits.
• Future grad students beware: With Grad PLUS gone, private loans will change the game.
• Refinancing is final: weigh lower interest rates against losing federal protections.
• Stay plugged in—loan policy is shifting fast, and being proactive could save you years of payments.

Resources Mentioned:

• Black Swan Real Estate
• Savi Student Loan Platform
• Secure Freedom Fund
• U.S. Department of Education PSLF Help Tool

Connect with Us:

Host: Dr. Disha Spath, The Frugal Physician
Guest: Aaron Smith, Co-Founder of Savi

This episode is brought to you by Black Swan Real Estate, led by physician-investor Dr. Elaine Stageberg.  Dr. Stageberg, a Mayo Clinic–trained physician, together with her husband Nick, has spent years building Black Swan Real Estate into a diversified, large-scale portfolio now approaching half a billion dollars across 2,000 doors. 

Now, through their Secure Freedom Fund, a 10% fixed rate of return offering, you can invest alongside them. The Secure Freedom Fund offers institutional-quality real estate opportunities—designed to deliver strong cash flow, long-term growth, and remarkable tax advantages. 

This fund is uniquely structured so that each investor can tailor it to their own individual goals: a minimum investment of just $25,000, the ability to choose monthly cashflow distributions or to elect the compounding option for higher overall growth, the option to exit the fund on your timing, the flexibility to invest in your personal name, a trust, an LLC, or a retirement account, and so much more. 

If you're an accredited investor who's ready to diversify beyond Wall Street and invest with experienced, trust worthy operators who've been exactly where you are, visit SecureFreedomFund.com today to learn more. From there, you can review the slides, watch the webinar, and even a book a call directly 1:1 with Dr. Elaine Stageberg. 

That's SecureFreedomFund.com.

In this episode of the Finding Financial Freedom Podcast, we sit down with Dr. Stephanie Pearson, a former physician turned disability insurance advocate. After experiencing firsthand the financial consequences of inadequate coverage, she now helps medical professionals secure the right disability insurance to protect their future.

Stephanie breaks down the evolving landscape of disability insurance, explaining the challenges physicians face when applying for policies and how different carriers classify occupations. She also shares insights on state-specific policy variations and industry changes that could impact your financial security.

Key Topics Covered:

1. From Physician to Advocate  
Dr. Pearson's journey from clinical medicine to educating physicians on disability insurance.  

2. Industry Shifts in Disability Insurance  
How the disability insurance market is evolving and what it means for you.  

3. Understanding Occupational Classifications  
Why physicians often get pigeonholed into specific risk categories.  

4. Physician-Friendly Insurance Carriers  
Are there companies offering better options for doctors?  

5. State-by-State Policy Differences  
How disability insurance coverage and regulations vary depending on where you live.  

6. Real-Life Impact of Disability Insurance  
A case study on how proper coverage changed a physician's financial future.  

7. Why Choose Pearson Ravitz?  
What sets Pearson Ravitz apart in helping physicians secure the right coverage.

Resources Mentioned:

• Pearson Ravitz

Listener Takeaways:

• Not all disability insurance policies are created equal—know your options.  
• Occupational classification can affect your premiums and benefits.  
• Choosing the right insurance carrier can make a significant difference in your coverage.  
• State regulations may impact your policy terms and pricing. 

Connect with Us:

• Host: Dr. Disha Spath, The Frugal Physician

• Guest: Dr. Stephanie Pearson, CEO and Insurance Advisor 

This episode is sponsored by:

PearsonRavitz – Helping physicians safeguard their most valuable assets.

Welcome back to the Finding Financial Freedom Podcast with Dr. Disha Spath.  Today we interviewed Kristin Wade, a registered nurse turned certified budget coach, to discuss how zero-based budgeting can transform your finances. In 2023, Kristin began working for MyBudgetCoach to help the world fall in love with budgeting. She trains and supports coaches to scale their businesses effectively.

In this episode, Kristin shares her own journey from struggling with money to achieving financial stability—and how this budgeting method helped her break free from the paycheck-to-paycheck cycle.  Kristin dives into the biggest financial challenges professionals face, the missing pieces in financial education, and how aligning your budget with your values can bring more freedom, stability, and control over your financial future. 

Key Topics Covered:

1. Why So Many People Struggle with Money

• Common financial pitfalls, even for high earners.  

2. Kristin's Journey from Nurse to Budget Coach

• How taking control of her finances changed her life.  

3. The Biggest Gaps in Financial Education

• What most people never learn about managing money.  

4. How Zero-Based Budgeting Works  

• A simple but powerful system to take full control of your income.  

5. Budgeting for Life's Priorities

• How Kristin balanced financial goals while raising a family.  

6. Spending with Purpose

• Why budgeting isn't about restriction—it's about freedom and choice.

Resources Mentioned:

• My Budget Coach 
• Good Energy by Casey Means
• Fiscal Bliss Financial Coaching

Listener Takeaways:

• How to stop living paycheck to paycheck using zero-based budgeting.  
• The key financial mistakes holding people back—and how to fix them.  
• Why most of us never learn proper money management (and what to do about it).  
• How aligning your budget with your values can bring stability and peace of mind.

Connect with Us:

• Host: Dr. Disha Spath, The Frugal Physician

• Guests: Kristin Wade, Head of Engagement at MyBudgetCoach 

If you're ready to take control of your money and build a secure financial future, this episode is a must-listen!

This episode is sponsored by

Reza & Sharif CPAs - They provide more than just tax returns and financial statements—they deliver strategic financial solutions tailored to your needs. Whether you're a business owner, physician, or investor, they help you navigate complex tax laws, maximize savings, and build long-term wealth.

With expert tax planning, accounting, and advisory services, they ensure your finances work for you—not the other way around.

Take control of your financial future today. Visit rezasharif.com to see how they can help.

This episode is also sponsored by

Set for Life Insurance – Providing more than just insurance policies—they deliver personalized coverage and expert guidance tailored to your needs.

Whether you're looking for life, disability, or long-term care insurance, their team ensures you get the best protection at the most cost-effective rates.

With priority underwriting, special discounts, and access to top-rated insurers, they make securing your future simple and stress-free.

Take the next step in protecting what matters most. Visit setforlifeinsurance.com or call 1-888-553-3559 today.

In this episode of the Finding Financial Freedom Podcast, we interviewed Jamie Fleischner, founder of Set for Life Insurance, who has helped thousands of professionals secure the right disability coverage. If you're a physician or high-earning professional, protecting your financial future is crucial—and disability insurance is a key part of that plan. 

Jamie breaks down the ins and outs of Guaranteed Standard Issue (GSI) Policies, explaining how they differ from traditional disability insurance and what you need to consider when choosing the best policy. From pricing and flexibility to common misconceptions, this episode is packed with valuable insights to help you make an informed financial decision.

Key Topics Covered:

1. What is a Guaranteed Standard Issue Policy? 

• Understanding how GSI policies differ from traditional disability insurance.  

2. Who Qualifies for a GSI Policy?  

• Why only certain programs offer them and what it means for you.  

3. Own-Occupation Coverage  

• Are GSI policies truly own-occupation, and why does it matter?  

4. Premiums & Cost Comparisons

• How GSI policy premiums stack up against traditional underwritten disability insurance.  

5. Exclusive Discounts & Group Benefits

• Are there special rates available for specific groups or organizations?  

6. Gender-Based Rate Differences

• How disability insurance pricing differs for men and women.  

7. Common Misconceptions About GSI Policies 

• Clearing up myths that could impact your financial decisions.  

8. Expert Advice on Choosing Disability Insurance

• Key takeaways for professionals planning to secure coverage.  

Resources Mentioned:

• Set For Life Insurance Website
• Rezasharif Website

Listener Takeaways:

• GSI policies offer unique benefits and limitations.  
• Group discounts and gender-based pricing can significantly impact your premiums.  
• Flexibility matters—ensure your policy can adapt to your career growth.  
• Understanding the fine print can save you from costly mistakes in the future. 

Connect with Us:

• Host: Dr. Disha Spath, The Frugal Physician

• Guests: Jamie Fleischner on LinkedIn

Tune in now and get the expert insights you need to make the best financial decision for your future!

This episode is sponsored by

Reza & Sharif CPAs - They provide more than just tax returns and financial statements—they deliver strategic financial solutions tailored to your needs. Whether you're a business owner, physician, or investor, they help you navigate complex tax laws, maximize savings, and build long-term wealth.

With expert tax planning, accounting, and advisory services, they ensure your finances work for you—not the other way around.

Take control of your financial future today. Visit rezasharif.com to see how they can help.

This episode is also sponsored by

Set for Life Insurance – Providing more than just insurance policies—they deliver personalized coverage and expert guidance tailored to your needs.

Whether you're looking for life, disability, or long-term care insurance, their team ensures you get the best protection at the most cost-effective rates.

With priority underwriting, special discounts, and access to top-rated insurers, they make securing your future simple and stress-free.

Take the next step in protecting what matters most. Visit setforlifeinsurance.com or call 1-888-553-3559 today.

In this episode of the Finding Financial Freedom Podcast, Erik and Gelerie Stenbakken share the next chapter of their inspiring real estate journey. From saving for their dream home to transitioning into real estate investing, they reveal how they scaled from long-term rentals to a thriving short-term rental business. Discover how they built lasting relationships with vendors, optimized their systems, and found more time for family—all while pursuing financial freedom.  

Whether you're starting out or looking to scale your real estate business, Erik and Gelerie's experience is packed with actionable insights to help you achieve your own investing goals. 

Key Topics Covered:

1. Scaling Systems for Short-Term Rentals

•  How they built efficient processes to manage multiple properties.  

2. Optimizing Vendor Relationships

• The importance of building partnerships with trusted vendors and companies.  

3. Short-Term vs. Long-Term Rentals

• The key differences and what to expect from each.  

4. Family Time and Gaining Freedom Through REI 

• How real estate investing gave them more quality time as a family.  

5. The Value of Giving Back

• Why improving the lives of others is part of their mission.  

6. Getting Started in Real Estate 

• How to take your first step into real estate investing.  

7. Professional Status & Property Management

• What it means to pursue real estate professional status and manage rental properties effectively. 

Resources Mentioned:

• BiggerPockets
• The Millionaire Next Door 
• The Real Estate Pessimist Podcast
• Follow Erik's Podcast Page on Instagram
• STR in an hour course

Listener Takeaways:

• Systems and relationships are crucial for scaling your business.  
• You don't need a huge budget to get started—just a willingness to learn and take action.  
• Short-term rentals offer unique opportunities but come with their own set of challenges.  
• Prioritizing family and giving back can be key drivers of long-term success.

Connect with Us:

• Host: Dr. Disha Spath, The Frugal Physician

• Guests: Dr. Gelerie and Erik Stenbakken

Thank you for tuning in! Be sure to share this episode with anyone thinking about investing in real estate.

This episode is sponsored by

Reza & Sharif CPAs - They provide more than just tax returns and financial statements—they deliver strategic financial solutions tailored to your needs. Whether you're a business owner, physician, or investor, they help you navigate complex tax laws, maximize savings, and build long-term wealth.

With expert tax planning, accounting, and advisory services, they ensure your finances work for you—not the other way around.

Take control of your financial future today. Visit rezasharif.com to see how they can help.

This episode is also sponsored by

Set for Life Insurance – Providing more than just insurance policies—they deliver personalized coverage and expert guidance tailored to your needs.

Whether you're looking for life, disability, or long-term care insurance, their team ensures you get the best protection at the most cost-effective rates.

With priority underwriting, special discounts, and access to top-rated insurers, they make securing your future simple and stress-free.

Take the next step in protecting what matters most. Visit setforlifeinsurance.com or call 1-888-553-3559 today.

In this episode of The Finding Financial Freedom Podcast, we sit down with Dr. Gelerie, an anesthesiologist with 20 years in the medical field, and Erik, an expert in teaching, marketing, PR, and photography. Together, they share their journey into real estate—how they started, the challenges they faced, and the strategies they used to build a successful investment portfolio.

From buying their first property to understanding market cycles, setting up systems, and shifting career paths, this conversation is packed with insights on making real estate work for us.

Key Topics Covered:

1. Getting Started in Real Estate

   • How Dr. Gelerie and Erik transitioned from medicine and marketing into investing.

2. Buying & Renting Their First Property

   • Lessons learned from their first real estate deal.

3. Understanding Market Cycles

   • How real estate moves in cycles and why timing matters.

4. Building Systems & Relationships for Long-Term Success

   • The key to scaling a real estate business efficiently.

5. Shifting Careers & Investing with Confidence

   • How a mindset shift helped them navigate new opportunities.

6. Investing creatively

   • Creative financing strategies that work.

7. Managing Rental Properties

   • What property management really looks like behind the scenes.

Resources Mentioned:

• Cashflow Quadrant by Robert Kiyosaki
• Rich Dad Poor Dad by Robert Kiyosaki
• BiggerPockets 
• Short-Term Rental, Long-Term Wealth by Avery Carl
• EVOLVE Company

Listener Takeaways:

• You don't need a real estate background to get started—just the willingness to learn.
• Investing with little to no money down is possible with the right strategy.
• Systems and relationships are key to scaling in real estate.

Connect with Us:

• Host: Dr. Disha Spath, The Frugal Physician

• Guests: Dr. Gelerie and Erik Stenbakken

Thank you for tuning in! Be sure to share this episode with anyone thinking about investing in real estate.

This episode is sponsored by

Reza & Sharif CPAs - They provide more than just tax returns and financial statements—they deliver strategic financial solutions tailored to your needs. Whether you're a business owner, physician, or investor, they help you navigate complex tax laws, maximize savings, and build long-term wealth.

With expert tax planning, accounting, and advisory services, they ensure your finances work for you—not the other way around.

Take control of your financial future today. Visit rezasharif.com to see how they can help.

This episode is also sponsored by

Set for Life Insurance – Providing more than just insurance policies—they deliver personalized coverage and expert guidance tailored to your needs.

Whether you're looking for life, disability, or long-term care insurance, their team ensures you get the best protection at the most cost-effective rates.

With priority underwriting, special discounts, and access to top-rated insurers, they make securing your future simple and stress-free.

Take the next step in protecting what matters most. Visit setforlifeinsurance.com or call 1-888-553-3559 today.

In this episode of Finding Financial Freedom Podcast, Dr. Disha Spath sits down with Fritz Gilbert, founder of The Retirement Manifesto and award-winning blogger, to uncover the secrets of a successful retirement. Fritz shares how he planned his early retirement, built financial security, and navigated the emotional and relational aspects of this major life transition.  

Discover the strategies behind his three-year cash cushion, the bucket system for managing retirement spending, and how he handled investments during market downturns. Plus, get insights on Roth IRA conversions, the 72(t) rule, and why non-financial aspects of retirement are just as important as the numbers. 

Key Topics Covered:

1. Preparing for Early Retirement

• What inspired Fritz to retire early and how he planned for it.  

2. Building a Three-Year Cash Cushion

• How cash reserves provide security in retirement.  

3. Estimating Retirement Spending

• Using cash buckets to create a sustainable withdrawal strategy.  

4. Investment Strategy During Market Downturns

• Did Fritz pause withdrawals during COVID?  
  The 72(t) Rule Explained

5. How it allows penalty-free early retirement withdrawals.  

• Roth IRA ConversionsTax-efficient strategies for long-term wealth.  

6. Beyond Money The Emotional Side of Retirement

• Why relationships and purpose matter just as much as finances.  

7. Avoiding Common Retirement Planning Mistakes

• Lessons from Fritz's experience.

Resources Mentioned:

• Keys to a Successful Retirement by Fritz Gilbert
• The Retirement Manifest Blog by Fritz Gilbert
• How to Retire by Christine Benz

Listener Takeaways:

• Build a cash cushion to weather market downturns in retirement.  
• Structure your retirement paycheck with a clear spending and withdrawal plan.  
• Understand the key tax strategies, like Roth conversions and the 72(t) rule.  
• Plan beyond finances—focus on relationships, purpose, and fulfillment. 

Connect with Us:

• Host: Dr. Disha Spath, The Frugal Physician

• Guest: Fritz Gilbert: Founder of The Retirement Manifesto

Thank you for tuning in! Be sure to share this episode with anyone navigating student loan repayment.

This episode is also sponsored by

FacetWealth Discover how Facet is transforming financial planning for physicians with personalized, flat-fee financial planning—visit facet.com/frugalphysician to start building your financial future today.

In this episode, we continue our insightful conversation with Dr. Josh Umbehr, founder of Atlas MD, to explore how Direct Primary Care (DPC) is transforming healthcare. From building a scalable electronic medical record (EMR) system to addressing the barriers of traditional insurance, Dr. Umbehr sheds light on the innovations making healthcare more accessible, affordable, and patient-focused.  

Dr. Umbehr also discusses the future of DPC, advice for physicians starting their own practices, and the importance of work-life balance. This episode is packed with actionable insights and practical advice for both healthcare professionals and patients seeking a better healthcare model. 

Key Topics Covered:

1. The Story Behind Atlas MD

• Discover the inspiration behind the creation of Atlas MD and how Dr. Josh built a platform that empowers DPC practitioners nationwide.  Learn why building a fast and scalable EMR system was key to the success of Atlas MD.  

2.  Revolutionizing Healthcare Costs 

• Understand why Dr. Umbehr believes the answer to affordable healthcare lies in not relying on insurance for routine care.  

3. The Future of Direct Primary Care  

• Gain insights into the next big challenges DPC could tackle and how it can reshape the healthcare landscape further.  

4. Advice for Physicians Entering DPC

• Hear what Dr. Josh would tell physicians considering starting their own DPC practice and how they can overcome common challenges.  

5. Managing Work-Life Balance in Medicine

• Learn how Dr. Umbehr prioritizes balance to maintain both professional and personal well-being.  

6. Understanding Malpractice Insurance in DPC

• Get an overview of malpractice insurance costs for DPC practitioners and how it differs from traditional practices.  

Resources Mentioned:

• Cure That Works
• Risking Business: Why Insurance Companies Fail and What to Do About It
• Radical Candor
• Atlas MD Website

Listener Takeaways:

• Understand how DPC is breaking barriers in healthcare through affordability and transparency.  
• Learn practical steps to build a DPC practice that prioritizes the doctor-patient relationship.  
• Discover the benefits of reducing reliance on insurance for routine care.  
• Gain inspiration to innovate and create meaningful change in the healthcare system.

Connect with Us:

• Host: Dr. Disha Spath, The Frugal Physician

• Guest: Dr. Josh Umbehr: Founder of Atlas MD and advocate for direct primary care. 

  • Follow him on LinkedIn

Thank you for tuning in! Be sure to share this episode with anyone navigating student loan repayment.

This episode is also sponsored by

FacetWealth Discover how Facet is transforming financial planning for physicians with personalized, flat-fee financial planning—visit facet.com/frugalphysician to start building your financial future today.

In this episode of the Finding Financial Freedom podcast, we sit down with Dr. Josh Umbehr, founder of  Atlas MD and a pioneer in the field of direct primary care (DPC) , often referred to as "concierge medicine." With over 1,700 doctors nationwide on their platform, Atlas MD is revolutionizing the way healthcare is delivered, focusing on transparency, affordability, and rebuilding trust in the doctor-patient relationship.  

Dr. Umbehr shares his journey into medicine and the inspiration behind starting Atlas MD, offering valuable insights into how DPC differs from traditional primary care. He also dives into the importance of putting patients first and how this innovative model prioritizes the doctor-patient connection while reducing administrative burdens.  

This episode is packed with insights to help you understand this growing movement in healthcare. Stay tuned for part two!

Key Topics Covered:

1. The Journey to Atlas MD

• Learn about Dr. Josh Umbehr's career path, what inspired him to innovate in the medical field, and how Atlas MD became a platform to support DPC practitioners nationwide.  

2. What is Direct Primary Care (DPC)?

• Discover how DPC differs from traditional primary care.   Understand why it's often called the "Costco" of healthcare, with its focus on subscription-based, transparent, and affordable pricing.  

3. Why Traditional Healthcare Models Are Losing Trust 

• Explore the reasons behind the loss of trust in traditional healthcare systems.  Learn how DPC fosters trust through fair, transparent pricing and personalized care.  

4. A Revolutionary Approach to Billing

• Dive into the simplified billing process used in DPC, which allows doctors to spend more time with patients and less time navigating insurance red tape.  

5. The Rise of the Doctor-Patient Relationship

• Understand why meaningful doctor-patient relationships are at the core of DPC and how this model enhances communication, trust, and outcomes.  

Resources Mentioned:

• Atlas MD Website

Listener Takeaways:

• Gain a clear understanding of how DPC works and why it's a game-changer for healthcare.  
• Learn actionable steps to rebuild trust with patients through transparency and personalized care.  
• Understand how doctors can reduce administrative burdens and prioritize patient care.  
• Explore the potential of DPC to reshape the future of healthcare.  

Connect with Us:

• Host: Dr. Disha Spath, The Frugal Physician

• Guest: Dr. Josh Umbehr: Founder of Atlas MD and advocate for direct primary care. 

  • Follow him on LinkedIn

Thank you for tuning in! Be sure to share this episode with anyone navigating student loan repayment.

This episode is also sponsored by

FacetWealth Discover how Facet is transforming financial planning for physicians with personalized, flat-fee financial planning—visit facet.com/frugalphysician to start building your financial future today.

In this episode of Financial Freedom Podcast, join Dr. Disha Spath and guest, Dr. Mamta Kumar as they uncover how land investing can help you design a life that reflects your core values. Dr. Mamta shares her inspiring journey from medicine to real estate, the challenges she overcame, and how she's empowering others, especially physicians, to achieve financial independence through this unique investment path.  

This episode is a must-listen for professionals seeking actionable insights on land investing, building passive income, and creating a purpose-driven lifestyle! 

Key Topics Covered:

1. From Medicine to Land Investing

• Discover how Dr. Mamta Kumar transitioned from her medical career to becoming a land investor.  

2. Breaking Barriers in a Non-Traditional Career Path

• Explore how Dr. Mamta's journey as an Indian female land investor is breaking stereotypes and inspiring others.  

3. Investment Costs and Getting Started

• Understand what it took for Dr. Mamta to start land investing and how you can take the first step today.  

4. Actionable Tips for Beginner Land Investors

• Dr. Mamta shares her best advice for those interested in entering the world of land investing.  

5. Overcoming Roadblocks with County Regulations  

• Learn strategies to navigate common challenges when working with counties.  

6. Mentoring Physicians Toward Financial Freedom  

• Discover how Dr. Mamta is empowering other professionals by teaching them how to achieve passive income through land investing.

Resources Mentioned:

• Land.com
• BiggerPockets
• Realtor.com
• Rich Dad Poor Dad
• The Cashflow Quadrant
• Zillow

Listener Takeaways:

• Avoid billing mistakes that lead to lost revenue.  
• Track key metrics to improve your practice's financial health.  
• Build a sustainable practice with actionable daily habits.  
• Leverage telemedicine to enhance patient care and grow your business.  
• Understand the critical role of proper documentation in healthcare success. 

Connect with Us:

• Host: Dr. Disha Spath, The Frugal Physician

• Guest: Dr. Mamta Kumar: Follow her Website, Facebook, and Instagram  

Thank you for tuning in! Be sure to share this episode with anyone navigating student loan repayment.

This episode is also sponsored by

FacetWealth Discover how Facet is transforming financial planning for physicians with personalized, flat-fee financial planning—visit facet.com/frugalphysician to start building your financial future today.

In this episode of The Frugal Physician, Dr. Heather Signorelli shares her expertise on managing the business side of medicine. As a board-certified pathologist, physician executive, and co-founder of NatRevMD, Dr. Signorelli has helped healthcare practices boost revenue by over 25%. She discusses how to build a sustainable private practice, avoid costly billing mistakes, and future-proof your operations with practical strategies.

Perfect for healthcare professionals looking to optimize their practice, streamline billing, and thrive in today's ever-changing medical landscape.

Key Topics Covered:

1. Introduction: Mastering the Business of Medicine

• Learn how Dr. Heather Signorelli uses her extensive healthcare management expertise to help private practices thrive.  

2. Meet Dr. Heather Signorelli: Innovator and Physician Leader

• Discover Dr. Signorelli's journey from practicing pathologist to healthcare entrepreneur and co-founder of NatRevMD.  

3. Avoiding Common Insurance Billing Mistakes

• Explore the most frequent billing errors and how to prevent them to protect your revenue cycle.  

4. Tracking the Right Billing Metrics

• Uncover the top five metrics every private practice should monitor to boost financial performance.  

5. Building a Sustainable Private Practice

• Dr. Signorelli shares practical tips for starting small, staying consistent, and building long-term success.  

6. The Power of Proper Documentation

• Understand why detailed physician documentation is key to compliance and maximizing revenue.  

7. Telemedicine Success in a Changing Landscape

• Learn how to implement telemedicine effectively and keep your practice ahead of the curve.

Resources Mentioned:

• Thrive: Top 10 Ways to Boost Your Practice's Revenue by Dr. Heather Signorelli  
• NatRevMD – Medical Billing Services
• NatRevMD - Telehealth Changes in 2025: What Physicians Need to Know Blog 
• Modern Healthcare– Top 40 Under 40 Emerging Leaders  
• Skool Course
• NatRevMD Podcast

Listener Takeaways:

• Avoid billing mistakes that lead to lost revenue.  
• Track key metrics to improve your practice's financial health.  
• Build a sustainable practice with actionable daily habits.  
• Leverage telemedicine to enhance patient care and grow your business.  
• Understand the critical role of proper documentation in healthcare success. 

Connect with Us:

• Host: Dr. Disha Spath, The Frugal Physician

• Guest: Dr. Heather Signorelli: Follow her Website, Facebook, and LinkedIn

• Email her at: info@natrevmd.com

Thank you for tuning in! Be sure to share this episode with anyone navigating student loan repayment.

This episode is also sponsored by

FacetWealth Discover how Facet is transforming financial planning for physicians with personalized, flat-fee financial planning—visit facet.com/frugalphysician to start building your financial future today.

This episode is also sponsored by

Corporate Direct - Helping entrepreneurs and investors protect their assets and build real wealth. Corporate Direct also assists clients in meeting compliance requirements under the Corporate Transparency Act, ensuring federal reporting is handled with ease and accuracy.

Most physicians dream of independence but dread the isolation and heavy lift of running a solo practice. What if there were a way to share infrastructure, lighten the load, and still maintain your autonomy?

In this episode, Dr. Disha Spath sits down with special interviewer Dr. Dan Sooriabalan and guest Dr. Natalie Gentile to explore how managed services organizations (MSOs) can strengthen direct primary care practices. From sharing cross-coverage to negotiating employer contracts, she shares how she and her partner built a collaborative model that supports physicians while keeping patient care personal. 

This conversation is packed with lessons on leadership, partnership, and building something bigger than yourself!

Key Topics Covered:

1. The Hidden Price of 401K

• Breaking down what a managed services organization is and why it matters for direct primary care.

2. From Vaccine Clinics to Direct Primary Care Collaboration

• How grassroots community efforts during the pandemic sparked the creation of Pittsburgh's first DPC-focused MSO.

3. Shared Pain Points, Shared Solutions

• Cross-coverage, marketing, vaccine acquisition, mentorship—how an MSO makes solo practice less lonely.

4. The Business Side of Medicine

• Legal guardrails, employer contracts, and the financial realities of keeping physician ownership at the center.

5. Scaling Without Selling Out

• Why Natalie and her co-founder built their MSO without private equity—and how they're keeping it mission-driven.

6. Not a One-Size-Fits All

• Why MSOs aren't one-size-fits-all and what to consider before starting one in your own region.

Listener Takeaways:

• MSOs (Managed Services Organizations) give DPC doctors shared infrastructure—like marketing, cross-coverage, and legal support—without sacrificing independence.
• Collaboration often starts with small, local initiatives (like community vaccine clinics) before scaling into sustainable models.
• Legal and financial guardrails are essential to keep physicians—not private equity—at the center of ownership.
• Quarterly case reviews, mentorship, and camaraderie help prevent isolation and burnout in solo practice.

Resources Mentioned:

• Gentile Family DPC
• Maintenance Phase Podcast
• Atlas.md
• Direct Care Physicians of Pittsburgh 
• Rebel Wellness

Connect with Us:

Host: Dr. Disha Spath, The Frugal Physician
Guest: Dr. Natalie Gentile, Gentile Family DPC

This episode is brought to you by:

Earned Wealth: Earned's unique Doctor Wealth Playbook includes tax planning, investing, insurance, career advisory, and more. It's a holistic approach from advisors who get the financial pressures of your profession. And for a limited time, Frugal Physician listeners can visit Earned.com/Frugal  for exclusive access to this comprehensive planning at a discounted rate.

In this episode of the Financial Freedom Podcast, we welcome Doug Nordman, a retired U.S. Navy submariner, author, and financial independence advocate. Doug shares his inspiring journey to early retirement, practical tips for frugal living, and strategies for raising financially literate kids to prepare them for a life of financial stability.  

This episode is perfect for anyone looking to achieve financial independence, learn how to live a debt-free lifestyle, break free from overconsumption, and build generational wealth while adopting habits for long-term financial success.  If you're starting your journey toward retirement planning this episode is a must listen.

Key Topics Covered:

1. Doug Nordman's Journey to Financial Independence  

• Discover how Doug retired early through strategic financial planning and disciplined living.  

2. Frugal Living Without Feeling Deprived  

• Understand how intentional spending can lead to a fulfilling life without financial stress.  

3. Striking the Balance Between Saving and Living  

• Doug explains how to enjoy life while staying committed to your financial goals.  

4. Teaching Kids Financial Literacy Early  

• Learn how to introduce money concepts, allowances, and chores to teach your kids the value of frugality and smart money habits.  

5. Doug's Approach to Giving Back  

• Explore Doug's thoughtful donation strategies and how generosity can enrich your financial journey.  

6. Tackling Overconsumption and Hyper Consumerism  

• Get tips on resisting societal pressures to overspend and focusing on value-driven living.  

7. Achieving Fulfillment Through Retirement

• Doug's journey to achieving fulfillment through his retirement.

Resources Mentioned:

• The Military Guide to Financial Independence and Retirement (Doug's book)
• Raising Your Money-Savvy Family for Next Generation Financial Independence

Listener Takeaways:

• Achieve financial independence with practical, actionable strategies.  
• Balance frugal living with enjoying life's pleasures.  
• Equip your children with lifelong money skills.  
• Avoid overconsumption and focus on intentional spending. 

Connect with Us:

• Host: Dr. Disha Spath, The Frugal Physician

• Guest: Doug Nordman:  Author, speaker, and advocate for financial independence

• Email him at: nords@gmail.com 

Thank you for tuning in! Be sure to share this episode with anyone navigating student loan repayment.

This episode is also sponsored by

FacetWealth Discover how Facet is transforming financial planning for physicians with personalized, flat-fee financial planning—visit facet.com/frugalphysician to start building your financial future today.

This episode is also sponsored by

Corporate Direct - Helping entrepreneurs and investors protect their assets and build real wealth. Corporate Direct also assists clients in meeting compliance requirements under the Corporate Transparency Act, ensuring federal reporting is handled with ease and accuracy.

In this inspiring episode of the Finding Financial Freedom Podcast, guest Dr. Dawn Baker—physician, writer, speaker, and coach—shares her transformative journey from relentless achievement to finding work-life balance. After facing a cancer diagnosis, Dawn redefined her career and personal priorities, aligning her work with her "freedom values."

Join us as she unpacks the widespread burnout in the medical world, her motivation to challenge the "lean in" mindset, and how embracing a more intentional life can lead to greater fulfillment. With insights from her book Lean Out and her personal story, Dawn offers practical advice for professionals looking to escape the burnout cycle and create a meaningful balance between career and life.

Key Topics Covered:

1. Challenging the "Lean In" Mentality

• Why Dawn advocates for a shift away from the relentless pursuit of growth and achievement.  

2. Burnout in the Medical Profession

• The systemic issues driving physician burnout and how to address them.  

3. Dawn Baker's Personal Burnout and Recovery

• Her journey from high work demands to finding work-life balance.

4. Aligning Your Work with Freedom Values 

• Steps to build a career that reflects your personal values and priorities.  

5. Educational and Inspirational Insights from her book Lean Out

• Lessons and actionable tips from Dawn's book that resonate across industries. 

Resources Mentioned:

• Lean Out by Dawn Baker  
• The Lean Out Podcast with Dawn Baker
• Practice Balance Website
• Lean Out Confidence Course

Listener Takeaways:

• Recognize the signs of burnout and take actionable steps toward recovery.  
• Learn how aligning your values with your work can lead to sustainable success.  
• Gain inspiration to challenge societal expectations and create your unique path. 

Connect with Us:

• Host: Dr. Disha Spath, The Frugal Physician

• Guest: Dr. Dawn Baker, Author of Lean Out

• Follow Dawn on Facebook, Twitter, Instagram and LinkedIn for updates on her journey and her podcast episodes. 

Thank you for tuning in! Be sure to share this episode with anyone navigating student loan repayment.

This episode is also sponsored by

FacetWealth Discover how Facet is transforming financial planning for physicians with personalized, flat-fee financial planning—visit facet.com/frugalphysician to start building your financial future today.

This episode is also sponsored by

Corporate Direct - Helping entrepreneurs and investors protect their assets and build real wealth. Corporate Direct also assists clients in meeting compliance requirements under the Corporate Transparency Act, ensuring federal reporting is handled with ease and accuracy.

In this episode of Finding Financial Freedom Podcast, join Dr. Disha Spath and Prisca Benson, a nurse and money coach, as they explore the path to financial freedom and teach you ways on how to take charge of your own money. Prisca shares how she turned debt into $370K in investments, simplified budgeting, and overcame financial anxiety. Discover practical tips for debt repayment, mindful spending, and using money as a tool for intentional living. 

Perfect for professionals seeking actionable advice to take control of their finances and build lasting wealth!

Key Topics Covered:

1. Introduction: A Journey to Financial Freedom

• Discover how Dr. Disha Spath and special guest Prisca Benson share actionable tips to conquer debt and embrace mindful spending.

2. Meet Prisca Benson: From Debt to $370K in Investments

• Learn Prisca's inspiring journey and the mindset shifts that transformed her financial life.

3. Actionable Steps to Start Your Financial Journey Today

• Prisca's four-step framework (Assess, Streamline, Apply, Reassess) simplifies financial planning for everyone.

4. Maximize Your Savings with Points and Miles

• Tips and tricks for using credit card rewards responsibly to travel the world for less.

5. Budgeting with Joy: How to Balance Living and Saving

• Practical advice on creating budgets that help you enjoy life while achieving financial goals.

6. Overcoming Financial Anxiety: Start Small, Think Big

• Strategies for overcoming money fears and taking control of your finances.

7. Rapid-Fire Insights: Prisca's Fun and Quirky Money Habits

• Get to know Prisca better with lighthearted rapid-fire questions about her money-saving hacks and inspirations.

Resources Mentioned:

• Corporate Direct Website– Asset protection services
• Facet
• Our Green Life  – Prisca's platform for personalized money coaching
• Her Money Podcast and Choose FI Podcast

Listener Takeaways:

• Begin your financial journey with a clear and actionable plan.
• Create stress-free budgets that allow you to enjoy life while saving.
• Overcome financial anxiety by starting small and thinking big.
• Use points and miles strategically to maximize travel savings.
• Shift your mindset to see money as a tool for intentional living.

Connect with Us:

• Host: Dr. Disha Spath, The Frugal Physician

• Guest: Prisca Benson: Founder of Our Green Life

• Follow us on Instagram, Facebook, and Twitter for updates on upcoming episodes.

Thank you for tuning in! Be sure to share this episode with anyone navigating student loan repayment.

This episode is sponsored by:

PearsonRavitz – Helping physicians safeguard their most valuable assets. 

This episode is also sponsored by

FacetWealth Discover how Facet is transforming financial planning for physicians with personalized, flat-fee financial planning—visit facet.com/frugalphysician to start building your financial future today.

This episode is also sponsored by

Corporate Direct - Helping entrepreneurs and investors protect their assets and build real wealth. Corporate Direct also assists clients in meeting compliance requirements under the Corporate Transparency Act, ensuring federal reporting is handled with ease and accuracy.

In this episode of Finding Financial Freedom, Dr. Disha Spath sits down with Dr. Carla Rotering, a renowned pulmonologist and leadership coach, to explore her inspiring journey as a woman physician navigating the challenges of medicine, motherhood, and financial freedom. Dr. Carla shares invaluable insights on how she overcame burnout, rebuilt her career with a renewed sense of purpose, and took control of her finances—while also being a compassionate leader and role model in the medical field.

From understanding how to achieve financial independence to redefining success and balance, Dr. Carla's experience offers actionable advice for women in medicine looking to transform their careers and lives. If you're a physician facing burnout, seeking leadership guidance, or aiming for work-life balance and financial freedom, this episode will inspire you to take control of your career and life transformation.

Key Topics Covered:

1. Thriving as a Woman in Medicine

• Dr. Carla discusses her journey from the railroad tracks to critical care and how women in medicine can thrive by redefining their approach to work, life, and success.

2. Leadership in Medicine

• Learn how Dr. Carla's leadership coaching has helped other healthcare professionals unlock their potential and manage the pressures of the medical field.

3. Financial Freedom for Women Physicians

• Dr. Carla shares her strategies for managing finances, building wealth, and achieving financial independence as a woman in a demanding profession.

4. Overcoming Burnout in Your Field

• Dr. Carla talks about recognizing the signs of burnout and how she not only survived but thrived by implementing leadership techniques and prioritizing self-care.

5. Balancing Family and Critical Care

• How Dr. Carla navigates her role as a mother while working in pulmonary critical care, offering insights for other women juggling careers and family life.

6. Building a Practice and Career Transformation

• Discover the steps Dr. Carla took to build her own practice and create a thriving career without sacrificing her personal well-being.

7. Financial Management for Single Moms in Medicine  

• Dr. Carla offers advice to single mothers in medicine, sharing how she successfully balanced her professional responsibilities with financial management.

Resources Mentioned:

• Dr. Carla's Leadership Coaching Program
• Transforming You Events

Listener Takeaways:

• Learn how to achieve financial freedom and wealth-building as a woman physician.
• Gain practical tips on managing burnout and creating a sustainable work-life balance.
• Understand the steps to take control of your career and finances as a woman in medicine.
• Discover how leadership can redefine success and help you thrive in both your personal and professional life.

Connect with Us:

• Host: Dr. Disha Spath, The Frugal Physician

• Guest: Dr. Carla Rotering, Renowned Pulmonologist & Leadership Coach

• Follow us on Instagram, Facebook, and Twitter for updates on upcoming episodes.

Thank you for tuning in! Be sure to share this episode with anyone navigating student loan repayment.

This episode is sponsored by:

PearsonRavitz – Helping physicians safeguard their most valuable assets. 

This episode is also sponsored by

FacetWealth – Discover how Facet is transforming financial planning for physicians with personalized, flat-fee financial planning—visit facet.com/frugalphysician to start building your financial future today.

This episode is also sponsored by

Corporate Direct - Helping entrepreneurs and investors protect their assets and build real wealth. Corporate Direct also assists clients in meeting compliance requirements under the Corporate Transparency Act, ensuring federal reporting is handled with ease and accuracy.

In this episode of Finding Financial Freedom, Dr. Disha Spath welcomes Ted Sutton, a licensed attorney with Corporate Direct, and Garrett Sutton, founder of Corporate Direct and the Sutton Law Center, to discuss how physicians and professionals can take control of their financial futures. From forming LLCs to avoiding tax pitfalls, Ted and Garrett break down the essentials of asset protection, business entity management, and legal compliance in an engaging and practical conversation.

With over 14,000 clients served and multiple bestselling books, Garrett Sutton brings decades of experience to help doctors secure their personal and professional assets. If you're thinking about starting a private practice or just looking to safeguard your wealth through asset protection strategies, this episode is the perfect guide.

Key Topics Covered:

1. Why Physicians Need Asset Protection

• Learn why it's crucial to protect not just your practice but your personal assets, and how business entities can shield your wealth.

2. The Essentials of Setting Up an LLC

• Step-by-step guidance on forming an LLC, understanding the "continuity of obligation," and ensuring it's done right from the start.

3. Maintaining Compliance with the Corporate Transparency Act

• How this new law affects business owners and what you need to do to stay compliant.

4. Avoiding Common LLC Pitfalls

• From neglected paperwork to improper renewals, discover the most common mistakes that can jeopardize your LLC—and how to avoid them.

5. Garrett Sutton's Expertise in Asset Protection

• Insights from Garrett's bestselling books (Start Your Own Corporation, Loopholes of Real Estate) and decades of experience helping professionals secure their financial futures.

Resources Mentioned:

• PearsonRavitz
• Rich Dad Poor Dad by Robert Kiyosaki
• Veil not Fail by Garrett  Sutton
• Start Your Own Corporation, Loopholes of Real Estate by Garett Sutton
• Corporate Direct Website
• Sutton Law Center

Listener Takeaways:

• Understand why forming an LLC is essential for protecting both your medical practice and personal assets.  
• Learn the critical steps to setting up and maintaining a compliant business entity under the Corporate Transparency Act.  
• Avoid common mistakes in LLC management and ensure your financial and legal safeguards are rock solid.

Connect with Us:

• Host: Dr. Disha Spath, The Frugal Physician

• Guests: 

  Garett Sutton, founder of Corporate Direct

  Atty. Ted Sutton of Corporate Direct

• Follow us on Instagram, Facebook, and Twitter for updates on upcoming episodes.

Thank you for tuning in! Be sure to share this episode with anyone navigating student loan repayment.

This episode is sponsored by:

PearsonRavitz – Helping physicians safeguard their most valuable assets. 

This episode is also sponsored by

FacetWealth – Discover how Facet is transforming financial planning for physicians with personalized, flat-fee financial planning—visit facet.com/frugalphysician to start building your financial future today.

In this episode of Finding Financial Freedom, author and entrepreneur David Barnett navigates the ins and outs of buying, running, and selling small to medium sized businesses. 

With years of hands-on experience, David offers insights designed to explain the complexities of entrepreneurship, empowering listeners to approach each stage of business ownership with confidence and clarity.

David dives deep into the critical factors that affect business value, including financial health, market trends, and industry conditions. He provides a roadmap for both buyers and sellers, guiding them on how to realistically assess value and negotiate profitable deals. 

With expert advice on financing, hiring strategies, lead generation, and sales processes, David shows entrepreneurs, including physicians, how to increase profitability and prepare for successful business transitions.

Key Topics Covered:

1. Common Reasons for Selling

• Over the years, David has identified the most common reasons entrepreneurs choose to sell their businesses, providing valuable insight into the decision-making process.

2. Tips on Valuing a Business

• David breaks down the key factors that go into assessing a business's worth, including financial health, market trends, and industry conditions, offering clarity for those looking to buy or sell.

3. The First Steps in Buying a Business

• For potential buyers, David outlines the crucial first steps to take when considering a business purchase, ensuring they start on the right track.

4. Opportunities and Risks During a Recession

• David discusses the pros and cons of buying businesses during economic downturns or distressed periods like COVID-19, highlighting key opportunities and risks.

5. Maximizing Sale Value

• David explains why most businesses sell for less than expected and offers practical tips for business owners to maximize their sale value and secure a better deal.

6. Increasing the Value of a Medical Practice

• David provides actionable advice on how physicians can make their practices more valuable, helping them prepare for a successful sale.

Resources Mentioned:

• How To Sell My Own Business by David Barnett
• Join his list on: https://www.DavidCBarnettList.com
• David Barnett's YouTube channel: https://www.youtube.com/channel/UCbR8hQfFxBI4Idh4Zw65yZQ 
• David Barnett's Website:https://www.DavidCBarnett.com

Listener Takeaways:

• Learn how to assess a business's value by considering financial health, market trends, and industry conditions.  
• Discover practical tips to increase your business's sales value and secure a more profitable deal.  
• Gain insights into the opportunities and risks of buying businesses during economic downturns, like recessions or a pandemic.

Connect with Us:

• Host: Dr. Disha Spath, The Frugal Physician

• Guest: David Barnett, Small Business

• Follow us on Instagram, Facebook, and Twitter for updates on upcoming episodes.

Thank you for tuning in! Be sure to share this episode with anyone navigating student loan repayment.

This episode is sponsored by:

PearsonRavitz – Helping physicians safeguard their most valuable assets. 

This episode is also sponsored by

FacetWealth – Discover how Facet is transforming financial planning for physicians with personalized, flat-fee financial planning—visit facet.com/frugalphysician to start building your financial future today.

In this comprehensive episode of Finding Financial Freedom with The Frugal Physician, Dr. Disha Spath hosts Travis Hornsby, founder and CEO of Student Loan Planner, to explore the current landscape of student loans and repayment strategies for high-debt professionals. With over $800 million in student loans consulted on, Travis is an authority on loan repayment and shares crucial insights on navigating Public Service Loan Forgiveness (PSLF), recent policy changes, and strategies for repayment that every physician, professional, and student loan borrower needs to know.

Discover how changes in student loan policies under the Trump, Obama, and Biden administrations have reshaped the repayment landscape and what potential policy shifts could mean for borrowers in the coming years. Travis also discusses methods to optimize PSLF eligibility, the pros and cons of refinancing, and the best strategies for long-term financial freedom despite student loan debt.

Key Topics Covered:

1. Travis Hornsby's Journey & Student Loan Planner's Mission

   • Travis's background in finance and bond trading at Vanguard, his journey to starting Student Loan Planner, and why he's dedicated his career to helping borrowers navigate complex student loan systems.

2. Public Service Loan Forgiveness (PSLF): From Inception to Transformation

   • How PSLF has evolved since its inception in 2007, including challenges under the Trump administration and impactful changes introduced by President Biden.

3. Changes in Income-Driven Repayment (IDR) Plans

   • Overview of the original income-driven repayment options (PAYE, REPAYE, IBR, ICR) and how Biden's new SAVE plan replaced REPAYE with enhanced interest subsidies.

4. Potential Pitfalls & Common Mistakes in Repayment Plans

   • How to avoid costly missteps when selecting a repayment plan, including considerations around PSLF qualification, income certification, and timing of tax filings.

5. Navigating Political and Legal Challenges in Student Loan Policies

   • Insights into current legal challenges to the SAVE plan and potential impacts of future policy changes on IDR options for physicians and other borrowers.

6. Refinancing vs. Forgiveness

   • Travis outlines when it's beneficial to refinance your loans versus staying on a PSLF track, with practical advice for borrowers based on debt-to-income ratio and financial goals.

Resources Mentioned:

• Student Loan Planner for calculators, tools, and professional consultations.

• Travis's Books: Managing Your Money in Your Twenties and Thirties and 25 is the New 65: How to Retire Outrageously Early.

Listener Takeaways:

• Gain a better understanding of student loan repayment plans and forgiveness options.

• Learn the strategies for managing student loans amidst political upheaval and legal challenges.

• Understand when refinancing makes sense versus sticking with PSLF or other forgiveness options.

Connect with Us:

• Host: Dr. Disha Spath, The Frugal Physician

• Guest: Travis Hornsby, CFA, CFP, Student Loan Planner

• Follow us on Instagram, Facebook, and Twitter for updates on upcoming episodes.

Thank you for tuning in! Be sure to share this episode with anyone navigating student loan repayment.

This episode is sponsored by:

PearsonRavitz– Helping physicians safeguard their most valuable assets. 

This episode is also sponsored by

FacetWealth– Discover how Facet is transforming financial planning for physicians with personalized, flat-fee financial planning—visit facet.com/frugalphysician to start building your financial future today.

Hosted by: Dr. Disha Spath

Guest: Sean Mullaney, Advice-Only Financial Planner and Author of The Solo 401k: The Solopreneur's Retirement Account

This episode is sponsored by

PearsonRavitz– Helping physicians safeguard their most valuable assets. 

This episode is also sponsored by

FacetWealth– Discover how Facet is transforming financial planning for physicians with personalized, flat-fee financial planning—visit facet.com/frugalphysician to start building your financial future today.

• Introduction: Dr. Disha Spath welcomes listeners back and introduces Sean Mullaney, President of Mullaney Financial and Tax Inc, a fee-only financial planner and tax advisor for self-employed individuals and small business owners.

• About Sean Mullaney: Sean shares his background, transitioning from a career in corporate tax planning to launching an advice-only financial planning firm. He discusses his award-winning blog, FITaxGuy.com, and his book The Solo 401k: The Solopreneur's Retirement Account, which has become a valuable resource on tax planning for freelancers and independent contractors.

• Sean's Financial Journey: Sean discusses his passion for personal financial planning and his motivation to help small business owners and entrepreneurs maximize their savings through tax-efficient retirement strategies.

• Understanding the Solo 401k: Sean explains the structure and benefits of the solo 401k for self-employed retirement planning, highlighting its differences from traditional 401ks and IRAs. This retirement option is designed for self-employed professionals, including "physicians with side gigs" and "freelancers," offering flexibility in contributions and investment options.

• Combining W-2 Employment with Side Hustles: Sean offers strategies for combining a solo 401k with retirement planning for 1099 income when you have both W-2 earnings and independent contracting income, helping listeners maximize their retirement contributions.

• Alternatives to the Solo 401k: Sean reviews other self-employed retirement plans, including SEP IRAs, Simple IRAs, and Defined Benefit Plans, explaining the pros and cons of each option based on business income, structure, and goals.

• The Backdoor Roth IRA Strategy: Sean explains the solo 401k's compatibility with the backdoor Roth IRA strategy for high-income earners, allowing listeners to bypass the pro-rata rule and make tax-free contributions without triggering extra tax burdens.

• Rollover Strategies for Former Employer 401ks: Sean provides retirement rollover options for managing a previous employer's 401k. He explores the options of leaving it where it is, rolling it over to a traditional IRA, or moving it to a solo 401k, with insights on tax benefits, fees, and creditor protection.

• Future of Retirement Savings for Entrepreneurs: Sean shares his perspective on the trend toward Roth accounts, the tax outlook for retirees, and the impact of political dynamics on future retirement tax planning.

• Where to Find Sean Mullaney: Sean invites listeners to explore his blog, FITaxGuy.com, for insights on tax planning for financial independence and to check out his YouTube channel, featuring weekly personal finance videos for practical financial advice.

• Solo 401k Benefits for Self-Employed Individuals: Solo 401ks offer higher contribution limits, greater flexibility in investment choices, and significant tax advantages for self-employed professionals and side hustlers.

• Combining Retirement Accounts for Physicians and Entrepreneurs: Professionals with both W-2 income and 1099 earnings can leverage multiple retirement accounts to maximize tax-advantaged savings.

• Backdoor Roth IRA Advantages: A solo 401k allows high-income earners to implement a backdoor Roth IRA strategy while avoiding pro-rata rule issues, making it especially valuable for physicians with 1099 income.

• 401k Rollover Considerations for Solopreneurs: Carefully weigh rollover options for former employer 401ks, focusing on factors like fees, tax rules, and creditor protection.

• The Solo 401k: The Solopreneur's Retirement Account by Sean Mullaney

• Sean's blog: FITaxGuy.com – Covering "tax planning for financial independence" topics.

• Sean's YouTube channel: Sean Mullaney Videos

Thank you for tuning in to Finding Financial Freedom with The Frugal Physician! If you enjoyed this episode, please subscribe, rate, and share it with your colleagues. Stay frugal and financially free!

The discussion is intended to be for general educational purposes and is not tax, legal, or investment advice for any individual. Disha and the Finding Financial Freedom with The Frugal Physician podcast do not endorse Sean Mullaney, Mullaney Financial & Tax, Inc. and their services. Guest appearances on the podcast do not constitute their endorsement of any sponsors of the Finding Financial Freedom with The Frugal Physician podcast.

In this episode of Finding Financial Freedom with The Frugal Physician, host Dr. Disha Spath sits down with Dr. Jordan Grumet, a distinguished physician and the creator of the award-winning Earn & Invest podcast. Together, they explore Dr. Grumet's latest book, The Purpose Code, which provides an inspiring and practical guide for those seeking to lead a more meaningful life. Through thoughtful conversation, they delve into "purpose anxiety," the contrast between "big P" and "little p" purpose, and the relationship between financial independence and personal fulfillment.

This episode is sponsored by

PearsonRavitz– Helping physicians safeguard their most valuable assets. 

This episode is also sponsored by

FacetWealth– Discover how Facet is transforming financial planning for physicians with personalized, flat-fee financial planning—visit facet.com/frugalphysician to start building your financial future today.

Highlights and Key Takeaways:

• Defining Purpose

• Dr. Grumet introduces the concept of "big P" purpose—often associated with society's grand expectations, like achieving massive goals and material success—which can lead to disappointment and anxiety.

• Contrastingly, "little p" purpose emphasizes finding joy in everyday processes, focusing on personal agency, and cultivating happiness through meaningful, small actions.

• The Paradox of Purpose and Anxiety

• Studies show that while having a purpose is linked to longevity and happiness, up to 91% of people experience "purpose anxiety" at some point. Dr. Grumet discusses how societal pressures shape unrealistic expectations, creating a disconnect between achievable happiness and purpose.

• The Role of Purpose in Financial Independence (FI)

• Dr. Grumet reflects on the FIRE (Financial Independence, Retire Early) movement and how a rush toward financial goals can lead to dissatisfaction. He emphasizes that finances should support a purpose-driven life rather than serve as the ultimate goal.

• Building a Purposeful Financial Framework

• Dr. Grumet advises on the importance of aligning financial goals with purpose, allowing money to act as a tool that supports one's personal "purpose anchors." Examples include pursuing passions alongside work and taking a "slow-FIRE" approach to financial freedom.

• Exploring Regrets and Legacy

• Dr. Grumet shares stories from his work in hospice, revealing how end-of-life reflections often center on missed opportunities for joy rather than financial accomplishments. He encourages listeners to identify and act on their unique purpose anchors, ensuring a legacy of personal impact rather than material wealth.

• Practical Exercises for Identifying Purpose Anchors

• Dr. Grumet offers practical advice on exploring and building purpose anchors, including exercises from The Purpose Code that help readers focus on the values and activities that bring them true joy.

• Final Thoughts on Purpose and Happiness

• Dr. Grumet concludes with a reminder that purpose should be abundant and anxiety-free. By focusing on what truly matters in life, we can find happiness in both the journey and the outcomes.

Resources Mentioned:

• The Purpose Code by Dr. Jordan Grumet – Available January 2025

• Earn & Invest Podcast – Hosted by Dr. Jordan Grumet

• Taking Stock by Dr. Jordan Grumet

Quotes:

• "Purpose comes before money, and purpose is abundant. Embrace it; it's supposed to be low-stakes and fulfilling." – Dr. Jordan Grumet

Connect with Us:

• Host: Dr. Disha Spath – The Frugal Physician

• Guest: Dr. Jordan Grumet – Earn & Invest Podcast

Call to Action:
If you enjoyed today's episode, don't forget to subscribe, share, and leave us a review. Join us next time as we continue exploring the intersection of finance, happiness, and purpose. Until then, stay purposeful and financially free!

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Please note: The content shared on the podcast is for informational purposes only and should not be considered individualized financial advice. It is essential to consult with professionals such as accountants, financial advisors, or attorneys to receive personalized guidance based on your specific needs.

In this episode, Dr. Disha Spath discusses heart health and stress management with cardiologist Dr. Disha Mookherjee. Dr. Mookherjee shares insights into reducing stress and preventing heart disease through meditation, spiritual wellness, and holistic approaches. Rooted in personal experiences and 20 years of practice, she reveals actionable techniques to manage stress and build resilience, offering practical guidance for healthcare professionals and individuals aiming to improve heart health naturally.

Trigger alert: Infant death

This episode is sponsored by

PearsonRavitz– Helping physicians safeguard their most valuable assets. 

This episode is also sponsored by

FacetWealth– Discover how Facet is transforming financial planning for physicians with personalized, flat-fee financial planning—visit facet.com/frugalphysician to start building your financial future today.

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If you enjoyed the show, find and follow Dr. Disha everywhere else:

Twitter

Website

Facebook

The Frugal Physician's Facebook Group

YouTube 

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Please note: The content shared on the podcast is for informational purposes only and should not be considered individualized financial advice. It is essential to consult with professionals such as accountants, financial advisors, or attorneys to receive personalized guidance based on your specific needs.

Most of us assume our 401k plans are free because we never see a bill. But hidden fees—record keeping, custodial, administration, and advisory costs—can silently erode your retirement savings over time.

In this episode, Dr. Disha Spath sits down with forensic 401k consultant Paul Sippel to uncover how these costs work, why they're so hard to detect, and practical steps you can take to protect your wealth.

If you're a physician, business owner, or employee relying on your 401k for retirement, this conversation is a must-listen!

Key Topics Covered:

1. The Hidden Price of 401K

• Why most employees (and even physicians) don't realize how much retirement fees are costing them

2. Decoding the Fee Structure

• Custodial, record keeping, administration and advisory charges explained by Paul

3. So Who Really Pays the Bill?

• How physicians often carry a bigger share of plan costs than their staff.

4. Defining a "reasonable" costs

• Benchmarks to know if your plan fees are fair or quietly draining your bank account.

5. Beware of the Transparency Trap

• Why statements rarely show the true expense and how the industry profits from the confusion

6. Proven Strategies to Lower the Fees

• From negotiating employer-level billing to exploring self-directed brokerage accounts.

Listener Takeaways:

• If you've never seen a bill for your 401k, that doesn't mean it's free—the fees are just hidden.
• Even "small" percentages in fees can compound into massive retirement losses over time.
• Physicians are often subsidizing their staff's 401k costs without realizing it.
• Shifting fees to the employer level creates more fairness and bigger savings potential.
• You have the tools to uncover and reduce your 401k fees—knowledge equals real money saved.

Resources Mentioned:

• Chatgpt
• Department of Labor's www.efast.dol.gov 
• FreeERISA

Connect with Us:

Host: Dr. Disha Spath, The Frugal Physician
Guest: Paul Sippel, 401k Forensic Consultant 

In this episode of Finding Financial Freedom with The Frugal Physician, Dr. Spath is joined by Dr. Rikki Racela, a neurologist based in Englewood, NJ. Dr. Racela shares his journey from financial illiteracy to financial empowerment, discussing the mistakes he made early in his career—like falling into the trap of whole life insurance, pushed by a financial advisor friend. After discovering a love of personal finance, he turned his financial life around and now advocates for financial literacy among his colleagues and students.

Together, Dr. Spath and Dr. Racela dive into how to pick the right financial advisor and, most importantly, how to avoid being ripped off by one. Learn how to spot red flags, avoid financial predators, and make informed decisions that will help secure your financial future. Don't miss this invaluable episode full of firsthand insights and tips to protect your wealth!

This episode is sponsored by

PearsonRavitz– Helping physicians safeguard their most valuable assets. 

This episode is also sponsored by

FacetWealth– Discover how Facet is transforming financial planning for physicians with personalized, flat-fee financial planning—visit facet.com/frugalphysician to start building your financial future today.

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If you enjoyed the show, find and follow Dr. Disha everywhere else:

Twitter

Website

Facebook

The Frugal Physician's Facebook Group

YouTube 

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Please note: The content shared on the podcast is for informational purposes only and should not be considered individualized financial advice. It is essential to consult with professionals such as accountants, financial advisors, or attorneys to receive personalized guidance based on your specific needs.

Dr. Disha welcomes Sammi Sosa Norman, founder of Skate2Wealth, to discuss her inspiring journey from financial struggle to financial freedom. Growing up in a low-income household, Sammi witnessed firsthand the challenges of money management. 

Despite accumulating over $150,000 in student loan debt and initially living paycheck-to-paycheck as a journalist, she managed to pay off her debt through side hustles and strategic investing. 

Now, a full-time stock market trader, Sammi shares her approach to making finance accessible and fun. She breaks down complex concepts like growth vs. value stocks and explains her journey into teaching financial literacy. 

Her goal? To help others, especially women and underrepresented groups, feel empowered to take charge of their financial futures.

Sammi Sosa Norman is the founder of Skate2Wealth, a financial literacy platform designed to make money management and investing accessible for everyone. With a background in journalism, Sammi has spent years uncovering stories and delivering news, but her own journey toward financial empowerment led her to shift careers. 

Today, she is known as the "Investment Bestie" who offers easy-to-understand courses, workshops, and resources on stock trading and personal finance. Having overcome $150,000 in student loan debt herself, Sammi is passionate about teaching others how to achieve long-term financial success, break free from the paycheck-to-paycheck cycle, and build a future of wealth and independence. 

When she's not educating others on money, she can be found roller-skating around the Bay Area, promoting financial freedom one glide at a time.

This episode is sponsored by

PearsonRavitz– Helping physicians safeguard their most valuable assets. 

This episode is also sponsored by

FacetWealth– Discover how Facet is transforming financial planning for physicians with personalized, flat-fee financial planning—visit facet.com/frugalphysician to start building your financial future today.

—---

If you enjoyed the show, find and follow Dr. Disha everywhere else:

Twitter

Website

Facebook

The Frugal Physician's Facebook Group

YouTube 

-----------

Please note: The content shared on the podcast is for informational purposes only and should not be considered individualized financial advice. It is essential to consult with professionals such as accountants, financial advisors, or attorneys to receive personalized guidance based on your specific needs.