Financial Residency

When people talk about marriage and finances, they tend to only focus on the positive and optimistic side of the conversation. However, we have found that studying the potential pitfalls can be just as valuable as narrowing down and focusing on the positive side effects of sharing finances with your significant other. On today's episode of the "Finance For Physicians" podcast, Daniel is joined by his wife Alison Wrenne to chat more about: - What the ups and downs of financial management are as a family - How to work better as a team when it comes to communicating financial decisions/struggles - Why discussing finances can often cause significant hardship and heartache to many loving couples We're so excited to present to you this episode and explore the important topic of family finances! Links: www.WrenneFinancial.com

Today what we want to talk about is breaking contracts. LINKS: www.ContractDiagnostics.com

Jumbo limits will be going up January 1. Doug talks about how that may affect physician and conforming (Fanny & Freddie) loans. Link to website: https://dougcrousephysicianloans.com/

We've talked about purchasing a disability policy to protect you if you can no longer practice medicine, but there are things you should know before you file the claim. Please listen as we talk to Evan Schwartz who is an attorney who specializes in insurance recovery and litigation. www.SCHlawpc.com Just as the right advice helps you thrive financially. The right support team allows you to excel professionally. Weatherby Healthcare's locums experts will match you with the best jobs, prepare you for success and provide 24/7 support. https://weatherbyhealthcare.com/

Being a perfectionist or analytical type of person works out well in some areas of life. However, when it comes to financial aspects, especially budgeting, life can become problematic, not predictable. In this episode of the Finance for Physicians Podcast, Daniel Wrenne talks about the power of building in margin with your personal finances. Don't set yourself up for failure or disappointment because things change and life happens. Topics Discussed: • Budgeting: ◦ What are you doing with your money? ◦ What are your day-to-day financial decisions? • Building in Margin: ◦ What is it? ◦ How much should it be? ◦ What are underlying root causes? ◦ What can you afford? ◦ How can it negatively affect your situation? ◦ How to avoid it if possible? • Simple Solution: Shift to mindset that nothing is perfect, build in bigger margin Just as the right advice helps you thrive financially. The right support team allows you to excel professionally. Weatherby Healthcare's locums experts will match you with the best jobs, prepare you for success and provide 24/7 support. https://weatherbyhealthcare.com/

Today I want to talk about partnership agreements and what you should know. LINKS: www.ContractDiagnostics.com Just as the right advice helps you thrive financially. The right support team allows you to excel professionally. Weatherby Healthcare's locums experts will match you with the best jobs, prepare you for success and provide 24/7 support. https://weatherbyhealthcare.com/

Doug explores what interest rates might do in 2023 and 2024 based on moves made by the government to control inflation. Link to website: https://dougcrousephysicianloans.com/ Just as the right advice helps you thrive financially. The right support team allows you to excel professionally. Weatherby Healthcare's locums experts will match you with the best jobs, prepare you for success and provide 24/7 support. https://weatherbyhealthcare.com/

When you're married, should you combine your finances with your spouse? How you navigate money will either pull you together or push you apart. In this episode of the Finance for Physicians Podcast, Daniel Wrenne talks about managing finances for married couples. Consider the pros and cons of couples combining (or not) their finances. Topics Discussed: • Good and bad reasons to separate finances: ◦ To keep some stuff private from spouse (i.e., gift giving) ◦ To spend without scrutiny or criticism from spouse (no finger pointing) ◦ Unequal spending habits and/or unequal income causes discomfort ◦ Let the more responsible spouse manage all the money/finances ◦ To hide spending that a spouse does not want the other to know about • In most cases, operate as one and pull everything together. Why? ◦ Consult and follow advice from the Bible ◦ Personal experience transitioning from being single to married ◦ Clients experience better outcomes when finances combined completely ◦ Sheds light on major problematic issues that need to be addressed • Keys to a Good Marriage: ◦ Open communication about issues ◦ Transparency builds and breeds trust ◦ Accountability aspect of sharing everything in a loving way ◦ 50/50: Combining finances helps to establish equality ◦ Compromise when operating as one with combined finances • Action Items - Before Combining Finances: ◦ Talk through and resolve big issues ◦ Get rid of individual accounts and combine them into one joint account ◦ Ongoing, regular conversations about finances to be on same page ◦ Give spouse opportunity to speak and listen to what they have to say ◦ Compromise more often than you have in the past Just as the right advice helps you thrive financially. The right support team allows you to excel professionally. Weatherby Healthcare's locums experts will match you with the best jobs, prepare you for success and provide 24/7 support. https://weatherbyhealthcare.com/

Are you well covered for medical malpractice? Are your risks properly managed? Please join us with Brian Kern to explore topics related to risk mitigation in your practice. www.Acadia.pro Just as the right advice helps you thrive financially. The right support team allows you to excel professionally. Weatherby Healthcare's locums experts will match you with the best jobs, prepare you for success and provide 24/7 support. https://weatherbyhealthcare.com/

Today, I am talking about part time vs full time and how the language differs for physicians on contracts. LINKS: www.ContractDiagnostics.com

You deserve what you want right now, especially when it comes to building or buying your dream home. Immediate gratification - that's the American way. How do you decide if that makes sense and how do you make it happen financially? In this episode of the Finance for Physicians Podcast, Daniel Wrenne talks about how to finance big or small home projects. There's always something to do. How do you fund your home projects, renovations, additions, and improvements? Topics Discussed: • Typical Thought Process: Be aware to avoid cultural pulls and temptations • Reasons for Financing: Low interest rates, good investment, emotional drivers • Catalyst: When a reasonable small home project turns into an illogical big one • Solution: Create/consult financial plan, priorities, values, goals to be objective • Financing Factors: ◦ What's your cash flow situation? ◦ How much equity is in your house? ◦ What is your debt-to-income ratio? • Ways to Finance Home Projects: ◦ Hardest: Save up or invest cash ◦ Easier: Home equity line of credit or construction loan ◦ Easiest: Home equity loan, cash out refinance, personal loan, credit cards

Are you on track for retirement? Where are you at, what's most important, and where do you want to go? Are you saving enough income at this point in time to become financially independent? In this episode of the Finance for Physicians Podcast, Daniel Wrenne talks about how to know if you are saving enough money for retirement. Check your financial vitals against your financial plan. Run the numbers! Topics Discussed: • Retirement Rules: Follow percentages of income or gross income before taxes? • False Assumptions: Everyone has same tax brackets, goals, values, priorities • Starting Line: Create, consult financial plan for values, goals, resources, priorities • Ways to calculate and run the numbers: ◦ Rules of thumb ◦ Linear return projections ◦ Monte Carlo analysis • When? Run the numbers today and adjust over time to accommodate changes • Improve Efficiency: Maximize tax shelters, backdoor Roth IRAs, financial plan Links: www.WrenneFinancial.com

Did you ever wonder why the mortgage interest rate you were given doesn't always match up to the annual percentage rate (APR)? Doug explains the difference between the two on this week's episode of the Mortgage Minute. Link to website: https://dougcrousephysicianloans.com/

Ever contemplated entering into a business contract with a private equity firm or starting a side gig? Dr. Tammy talked to Michael Schaff who is a healthcare and corporate attorney with Wilentz, Goldman & Spitzer to learn more about the legal side of the equation. You can find more about Michael and his firm at www.wilentz.com.

Today I am talking about, what is the best investment for you! Links to register: Register for live show (every 3rd Tuesday at 3pm est): https://us02web.zoom.us/webinar/register/WN_Z7CuDhFYSVaoKm8Pa29rAA Finance For Physicians Podcast: https://podcasts.apple.com/us/podcast/finance-for-physicians/id1532953668

Today we are doing a Q&A by answering questions from our Facebook group. I have on Hugh Baker to help answer some questions. Links: www.WrenneFinancial.com

Today we're gonna talk about negotiations and who you're negotiating with. LINKS: www.ContractDiagnostics.com

Today I want to go over loan estimates again and just briefly touch on closing disclosures. Link to website: https://dougcrousephysicianloans.com/

Please join us with Brendan Chao who is an employment litigation attorney to talk about what to do if you are the victim of harassment, bullying or discrimination. Link: www.BChaoLaw.com

Today we will be another answering questions that have been big in the Facebook group to talk about. Links: www.WrenneFinancial.com

What is your relationship like with money? Are you always trying to keep up with the Joneses? Would you and your partner benefit from financial therapy? Don't judge, because everybody can benefit from therapy. In this episode of the Finance for Physicians Podcast, Daniel Wrenne talks to Ed Coambs, a licensed marriage and family therapist, certified financial planner (CFP), and founder of Charlotte Couples Counseling. Ed shares practical tips to improve your financial behaviors and relationship with money. Topics Discussed: • Couples Around Money: Mix of emotion, experiences, and desire to connect • Why financial therapy? Financial stress due to thoughts, emotions, behaviors • Pain Points: Spending versus saving is challenging and problematic for couples • Power Control: What does money mean and represent? What is valued most? • Equal Partnership? Understand social meaning of professional identity • Converted Skeptic: Everybody can benefit from therapy with ability to heal • Male Psyche: Character defect or discomfort doesn't make a narcissist • Financial Flashpoints: Partner's experiences and expectations around money • Money Management: Yours, mine, or our money in separate or joint accounts • Money Egg Exercise: Is your relationship with money positive or negative? Links: www.WrenneFinancial.com

Today I want to talk about inflation. LINKS: www.ContractDiagnostics.com

Today I wanna talk a little bit about why the Fed raises rates. Link to website: https://dougcrousephysicianloans.com/

Today I have on Ike Devji. He's an attorney who's been working with affluent individuals across the US to protect personal assets. He's worked with thousands of physicians to provide risk management and wealth preservation planning. He's also been a contributing author to three books and published over 300 articles on the topic throughout the last decade. Link: www.proassetprotection.com Just as the right advice helps you thrive financially. The right support team allows you to excel professionally. Weatherby Healthcare's locums experts will match you with the best jobs, prepare you for success and provide 24/7 support. https://weatherbyhealthcare.com/

Sometimes, it takes an unexpected wake-up call to remind you to take care of yourself, family, and finances. You never know when it could be your last day, and tomorrow is not guaranteed. In this episode of the Finance For Physicians Podcast, Daniel Wrenne talks about a recent personal medical experience and what went through his mind at the time. You don't know what the future holds. Make sure that your financial planning is in place before it's too late. Topics Discussed: Optic Disc Edema: Minor eye issue, nothing serious turns into something major • No Joke: Physicians change their tone, confirm serious situation, and trip to ER • Thought #1: Is my family going to be okay financially if I am not around? • Thought #2: Have I been a good steward of my money? • Thought #3: Have I led a meaningful life and taught my values? • Thought #4: Is the business going to be okay if I am not around? • Consider the following: Am I covered financially and independent? • Legal Logistics: How everything gets sorted out and settled • Financial Organizer: Save time and effort with access and passwords • God is first, others second, I am third - culture pushes it the other direction Links: www.WrenneFinancial.com Just as the right advice helps you thrive financially. The right support team allows you to excel professionally. Weatherby Healthcare's locums experts will match you with the best jobs, prepare you for success and provide 24/7 support. https://weatherbyhealthcare.com/

Why are so many female physicians dropping out of the profession? It's extremely challenging to achieve balance as a physician mom. Not only are you a mom who is raising your own children, but a physician taking care of patients—besides having to deal with gender discrimination issues and the global pandemic. In this episode of the Finance For Physicians Podcast, Daniel Wrenne talks to Dr. Bonnie Koo, founder of Wealthy Mom MD. Her business is dedicated to helping physician moms have it all without giving it all. Bonnie empowers physician moms by providing financial literacy through her podcast, coaching, and courses. Also, Bonnie is a board-certified dermatologist, certified life coach, mother, step-mother, and fiancée. Topics Discussed: • Wealthy Mom MD: Teaches female physicians financial strategies to overcome • Taboos: Don't talk about money to handle and deal with anxiety, stress, and guilt • Perfectionism and Money: Female physicians are afraid to fail and lose • Promise Land? Money doesn't mean physicians live happily ever after • Purpose of Money: Helps you live the life you want and do good in the world • Compensation: Females navigating and negotiating in patriarchal society • COVID and Corporate Medicine: Magnified cracks to figure out money, stability • Financial Independence, Retire Early (FIRE): Money is resource to buy back time • Coaching: Download new software updates to your brain when behind financially • Thought Loops: You are what you think—being on auto-pilot vs. becoming aware Links: www.WrenneFinancial.com Just as the right advice helps you thrive financially. The right support team allows you to excel professionally. Weatherby Healthcare's locums experts will match you with the best jobs, prepare you for success and provide 24/7 support. https://weatherbyhealthcare.com/

Today I want to talk about adjustable rates becoming quite popular with current rate environment. Link to website: https://dougcrousephysicianloans.com/ Just as the right advice helps you thrive financially. The right support team allows you to excel professionally. Weatherby Healthcare's locums experts will match you with the best jobs, prepare you for success and provide 24/7 support. https://weatherbyhealthcare.com/

Today we are talking about stipend agreements because we see physicians sign stipend agreements all the time. LINKS: www.ContractDiagnostics.com Just as the right advice helps you thrive financially. The right support team allows you to excel professionally. Weatherby Healthcare's locums experts will match you with the best jobs, prepare you for success and provide 24/7 support. https://weatherbyhealthcare.com/

I think our guests story resonates with everyone coming outta residency with this crushing debt, they've lived this horrible resident lifestyle and they're ready to go live the doctor lifestyle. Link: www.TheFrugalPhysician.com Just as the right advice helps you thrive financially. The right support team allows you to excel professionally. Weatherby Healthcare's locums experts will match you with the best jobs, prepare you for success and provide 24/7 support. https://weatherbyhealthcare.com/

When you run across something weird or strange, how do you avoid major mistakes and minimize errors? Get a second opinion, especially when it comes to the good, the bad, and the ugly of financial planning for physicians. In this episode of the Finance For Physicians Podcast, Daniel Wrenne talks to Justin Harvey, a Certified Financial Planner (CFP®), about stories and experiences with physician families. Sometimes, the best and juiciest ones are difficult to change substantive facts enough to preserve client confidentiality. Topics Discussed: Good: Immense value from financial advisors who understand physician finances • Bad: Save documents and keep records on servicer when third-part is paying • Ugly: Ultra high-risk investment activities—bordering on gambling • Understand the Deal: Perform due diligence and review contracts for red flags • Compensation: What money are you leaving on table based on how you're paid? • Accurate Alignment: Involve spouse for honest answers about financial security • Life Lessons: Follow money, understand incentive/stakes, deal w/ consequences • Moral of the Story: Sometimes, it's worthwhile to pay a fair fee for a CPA Links: https://apm-wealth.com/ www.WrenneFinancial.com

Today we're gonna talk about side gigs, how to protect your side gig or how to start a side gig. LINKS: www.ContractDiagnostics.com

Who wants to reduce their taxes? The first step requires educating yourself on the basics. In this episode of the Finance For Physicians Podcast, Daniel Wrenne talks to David Glenn, a Certified Public Accountant (CPA) and founder of Glenn Advisory and the basics of how income taxes work. They also chat about some of the most common tax savings strategies that begin to appear when you start to understand how this all works. Topics Discussed: • Baseline Knowledge: ◦ How does the federal tax return work? ◦ What are progressive taxes? ◦ How does income flow through the tax return? ◦ What are itemized deductions and credits? ◦ How do tax withholdings, deductions and credits affect tax refund or payment? • Form 1040: Main section of your income tax return where everything comes together • Why compensation doesn't always equal federal taxable wages • Qualified dividends are preferred over nonqualified dividends • What to look for to avoid back-door Roth IRA taxation mistakes • Social Security: Can be taxed up to 85% • Capital Gains/Losses: Recognize sale of stocks, real estate, other capital assets • Adjusted Gross Income (AGI) Adjustments: HSA, self-employment, and others • Tax Deductions: Itemized or standard deduction(s) based on filing status • Use taxable income and tax tables to determine total tax due • Tax Credits are great because they directly offset tax due dollar for dollar LINKS: www.WrenneFinancial.com

Gonna cover a few quick topics today like PMI, Cash, Bogus Lender Offers. Link to website: https://dougcrousephysicianloans.com/

Today I have Jon Appino on. We are gonna talk about contracts that go beyond a year and how you can start building in clauses and phrases to make that contract really benefit you over a length of time. LINKS: www.ContractDiagnostics.com

Today I have Jon Appino on. We are gonna talk about contracts that go beyond a year and how you can start building in clauses and phrases to make that contract really benefit you over a length of time. LINKS: www.ContractDiagnostics.com

What does do-it-yourself (DIY) investment management look like? Taking this route isn't for everyone. It depends on your situation and personal interest. Just because you can do it, doesn't mean you should do it. If you want to do investment management yourself, learn how to do it right. In this episode of the Finance For Physicians Podcast, Daniel Wrenne talks to Dr. Kris Roach, a financial planning client who talks about what it's like to take this on during his first year of practice. Kris has quickly and accurately implemented high-level investment advice. He's doing it for the right way for the right reasons. Topics Discussed: • Investing Knowledge and Experience: ◦ Before: Basic but vague understanding of the stock market ◦ After: Create and execute a financial plan to manage investments • Why follow the DIY vs. professional path? Interest, curiosity, and inherent satisfaction • Getting Started: Commit to learning portfolio process and motivated to achieve • Analysis Paralysis? Plenty of options makes picking perfect funds intimidating • Asset Allocation: Stick with active or passively managed funds, not both • Information Overload: So much, so sort and shortcut through invaluable sources • Time Investment: Takes a few months to set up accounts and select securities • Downturn Temptations: Buy and invest in different stocks? Stick to your plan • Ongoing Tasks: Fund accounts, rebalance, tax law harvesting, invest in the market • Suggestions: If not interested in DIY, find a fiduciary to dedicate time to finances • Fiduciary vs. Financial Advisor: Watch out for wine-and-dine opportunities LINKS: www.WrenneFinancial.com

Today we're talking about verbal promises. LINKS: www.ContractDiagnostics.com

Have you ever worked with a financial planner? Do you have enough money saved for a financial planner to help? When are you ready to hire a financial planner? Depends on the situation or preference. If you want help, the sooner the better. In this episode of the Finance for Physicians Podcast, Daniel Wrenne talks to Jeff Wenger, a Certified Financial Planner (CFP®), about when to hire a financial planner. Topics Discussed: • Use Cases: When to start working with a financial planner • Human Capital Habits: How do you accumulate your wealth? Income • Life Transitions: Get finances right in the beginning by planning for the future • Finances and Investments: What are your options? Inefficiencies? • Backdoor Roth IRA: Involves all different facets of financial planner tasks • Reasons to Hire a Financial Planner: ◦ Don't have time to handle your finances. ◦ Unsure if things are getting done correctly. ◦ Complexity of your finances is intimidating. ◦ Struggling to keep finances organized. • Ways to Engage a Financial Planner: ◦ 95% of the industry has a sales/commission component. ◦ Verify terminology given by business to know if it is misleading. ◦ Pay for financial planner's advice. ◦ You're not locked in to work with the same financial planner forever. • When to Seek Help from a Financial Planner: ◦ Educate yourself to make the best decision. ◦ Know the pros and cons of finding a financial planner. ◦ Figure out if now is the right time or not. LINKS: www.WrenneFinancial.com

Today we talk about interest rates and how they are slowing down and not going down. Link to website: https://dougcrousephysicianloans.com/

Today I have invited Daniel Wrenne back to kind of give us some guidance on whether our investment techniques or habits, should change as we possibly move towards a recession. LINKS: www.WrenneFinancial.com https://us02web.zoom.us/webinar/register/WN_Z7CuDhFYSVaoKm8Pa29rAA Just as the right advice helps you thrive financially. The right support team allows you to excel professionally. Weatherby Healthcare's locums experts will match you with the best jobs, prepare you for success and provide 24/7 support. https://weatherbyhealthcare.com/

Are you on track for retirement? Where are you at, what's most important, and where do you want to go? Are you saving enough income at this point in time to become financially independent? In this episode of the Finance for Physicians Podcast, Daniel Wrenne talks about how to know if you are saving enough money for retirement. Check your financial vitals against your financial plan. Run the numbers! Topics Discussed: • Retirement Rules: Follow percentages of income or gross income before taxes? • False Assumptions: Everyone has same tax brackets, goals, values, priorities • Starting Line: Create, consult financial plan for values, goals, resources, priorities • Ways to calculate and run the numbers: ◦ Rules of thumb ◦ Linear return projections ◦ Monte Carlo analysis • When? Run the numbers today and adjust over time to accommodate changes • Improve Efficiency: Maximize tax shelters, backdoor Roth IRAs, financial plan LINKS: www.WrenneFinancial.com Just as the right advice helps you thrive financially. The right support team allows you to excel professionally. Weatherby Healthcare's locums experts will match you with the best jobs, prepare you for success and provide 24/7 support. https://weatherbyhealthcare.com/

Today we're talking about something that's not fantastic. It's getting terminated at your position! LINKS: www.ContractDiagnostics.com Just as the right advice helps you thrive financially. The right support team allows you to excel professionally. Weatherby Healthcare's locums experts will match you with the best jobs, prepare you for success and provide 24/7 support. https://weatherbyhealthcare.com/

College costs money, and it continues to increase. The actual price that you pay is difficult to understand because it has become progressively more expensive for those that have more financial resources—especially physicians who have or plan to have children in the future. In this episode of the Finance for Physicians Podcast, Daniel Wrenne talks to Joe Messinger about how college costs work and how to start planning sooner than later. Joe is a Certified Financial Planner, CFP®, and Founder of Capstone Wealth Partners and College Aid Pro. Topics Discussed: • Tuition Costs: Different levels for in- versus out-of-state students • 3X or Greater: How college costs have changed in the past 20 years • Why? Supply and demand led to out-of-control costs for college • Inflation: State colleges level off, but private colleges continue to increase costs • Price Transparency: Private colleges equate value to higher or discounted costs • Analogy: College cost is similar to medical bills because it's different for everybody • College Funding Philosophy: Best way to pay for college is to save for college • 3 Key Financial Aid Components: ◦ Family's finances ◦ Student's academics ◦ School's business model • High-income Hurdle: Family finances impact student's ability to get financial aid • Sticker Price Shock: Some schools give money for merit, not just for need • Budget: Use school's money first, then federal aid, and set limitations • Rule of Thumb: Save for one-third, pay for a third, and take out a third in loans • College Aid Pro: Changing the way America shops smart for college LINKS: www.WrenneFinancial.com Just as the right advice helps you thrive financially. The right support team allows you to excel professionally. Weatherby Healthcare's locums experts will match you with the best jobs, prepare you for success and provide 24/7 support. https://weatherbyhealthcare.com/

Today I wanna talk more in depth about appraisals. Link to website: https://dougcrousephysicianloans.com/ Just as the right advice helps you thrive financially. The right support team allows you to excel professionally. Weatherby Healthcare's locums experts will match you with the best jobs, prepare you for success and provide 24/7 support. https://weatherbyhealthcare.com/

Today I've got Larry Keller with us and we were gonna talk about disability insurance. Link: www.PhysicianFinancialServices.com Just as the right advice helps you thrive financially. The right support team allows you to excel professionally. Weatherby Healthcare's locums experts will match you with the best jobs, prepare you for success and provide 24/7 support. https://weatherbyhealthcare.com/

When you're miserable or not satisfied with your traditional primary care position at a major hospital, it's time for a big change to live your best life and values. Focus on your future goals and dreams. In this episode of the Finance For Physicians Podcast, Daniel Wrenne talks to Drs. Cady and Ryan Brown, who started their own concierge medical practice, Downtown Drs. Brown, located in Lexington, Kentucky. Topics Discussed: • Cady and Ryan's concierge medical practice and career progression • Primary Care Patient Load: From honeymoon period to fast track to burning out • PTO Requirements: Physicians not valued as people, professionals in practice • Reassurance and Education: Patients need to know if things are okay or not • How and why Cady and Ryan created concierge medical practice from scratch • Tradeoff: More security, less setup work for autonomy, independence, finances • Competition: Not many concierge medical practices, but demand definitely exists • Pressures/Stressors: Different now, feels better being in control of own destiny LINKS: www.WrenneFinancial.com

Today we're talking about evergreen contracts or what some might call an auto-renewing agreement. LINKS: www.ContractDiagnostics.com

Do you love to save on your taxes? One of the most overlooked or common mistakes is the failure to maximize tax breaks that are available to physicians. In this episode of the Finance for Physicians Podcast, Daniel Wrenne talks about five of the most overlooked tax breaks for doctors. Personal finance is about avoiding errors or when it comes to filing income taxes with the Internal Revenue Service (IRS). Topics Discussed: • 5 of the Most Overlooked Tax Breaks for Doctors: ◦ Health Savings Account (HSA): Build wealth and avoid income tax ◦ Tax Loss Harvesting: Capital gains and losses are taxable investments ◦ Backdoor Roth IRA: Indirectly fund Roth IRA if income is above threshold ◦ Business Expenses: For side-hustle or self-employed with 1099 income ◦ Work Retirement Plans: Max out 401(k), 403(b), 457(b), and pensions LINKS: www.WrenneFinancial.com

Today I just wanna focus a little bit on some of the common mistakes I see people make. Link to website: https://dougcrousephysicianloans.com/

Today we are talking about credit card points and credit card travel. LINKS: www.ContractDiagnostics.com