Financial Residency

Today we're talking about covid jobs. 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/

Go with eyes wide open or be in for a major financial surprise when your children start college. In this episode of the Finance for Physicians Podcast, Daniel Wrenne talks about you or your children funding their education. Topics Discussed: • Who should pay for college? You, your children, student loans, or scholarships • What has changed? Tuition costs, direct student loan cap, and responsibility • Little to No Financial Aid: Based on physician's above-average income • Other Options: 529 Plan, investments/cash accounts, income, student loans 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 education. I want to focus around education of physicians. 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/

Today I want to talk about how affordability. 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/

What's your perspective on money? Do you view it as a tool? Do you know how to use that tool? Is it like a hammer that you use to build a house, murder somebody, or that sits on the shelf and collects dust? In this episode of the Finance for Physicians Podcast, Daniel Wrenne talks about using money as a tool and what happens when people don't view money as a tool. Topics Discussed: • Money Spectrum: Some people go to extremes, but most are in the middle • Temptation: What is more important—more money or more time with family? • Money is a tool that does not buy happiness but helps you attain happiness • 3 Ways to Recognize Money as a Tool: ◦ A tool for what? What are you building? ◦ Learn to use the tool. Are you using money to build your ideal life? ◦ Maintain awareness about the outcome. Are you using money effectively? • Key Takeaway: Money should not be the end goal—you can't take it with you 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 have Jon Appino on the show to talk about how mergers, consolidations and private equity takeovers have affected physicians. 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/

If you are employed and work for a hospital system or plan to work for one in the future, do you have access to a 401(k), 403(b), and/or 457(b) retirement plans? In this episode of the Finance for Physicians Podcast, Daniel Wrenne talks about how different retirement plans interact collectively. Can you max out both your 403(b) and 457(b) plans? Topics Discussed: Tax shelter limits for 401(k), 403(b), and 457(b) retirement plans • Maximum for Employees: ◦ 401(k)/403(b) is $20,500 combined per year ◦ 457(b) is $20,500 separate limit • Retirement plans with mandatory and required contributions • 457(b): Governmental or non-governmental plan, which is better and why? LINKS: www.WrenneFinancial.com

Are you looking for another job, or are recruiters seeking you out for opportunities? If you were offered a different job, would you think about taking it? Why, or why not? There's a lot to consider. In this episode of the Finance for Physicians Podcast, Daniel Wrenne talks about whether to accept another job. It can be difficult to make a decision and navigate your priorities as an in-practice physician. Topics Discussed: • Temptations: Financial aspect—try to not first look at the money/compensation • Values and Goals: What's most important? Family, work/life balance, pay? • Coworkers: Who will you work with and for? What kind of lives do they live? • Position: Is it a job you enjoy? Are the pay/benefits decent? What are the hours? • Student Aid: Confirm if the employer is Public Service Loan Forgiveness qualified • Insurance Coverage: Are malpractice insurance and tail coverage provided? • Employment Law: Hire a consultant or employment attorney to review contracts LINKS: www.WrenneFinancial.com

Today we're talking about balancing risk. LINKS: www.ContractDiagnostics.com

Today we're talking about trends we've been at this for 12 years helping physicians navigate job contract due diligence phase in signing or negotiating their employment contract. LINKS: www.ContractDiagnostics.com

Today I want to talk about how the times are definitely different than they were six months ago. Link to website: https://dougcrousephysicianloans.com/

Credit is important for helping us build our financial portfolio and drive us toward financial independence. Today I invited Doug back to give us an update on the importance of credit and how to build credit. Link to website: https://dougcrousephysicianloans.com/

The pandemic in America is starting to look like a memory of hard days gone by, but the effects can still be felt throughout our country. That reason is, probably, why the Biden Administration has decided to extend their Covid 19 Forberances to the end of this year. In this episode of the Finance For Physicians Podcast, Daniel Wrenne will go into detail with Jeff Wenger about the situation surrounding Covid Forbearances while also taking a look at the currently shifting loan-giving and forgiving policy of the Biden Administration. Topics Discussed: • How to financially plan in accordance with the extended forbearance period if you have mortgage payments on the way. • Student loan forgiveness: Are you eligible? Is it useful at all? • The Federal Pell Grant. How it works and how to know if you're eligible. LINKS: www.WrenneFinancial.com

Today i wanted to follow up on interest rates and where we may be headed. 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're talking about when to walk away from a 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/

Have you been paying attention to the financial news? Most of it is covering all the craziness around stocks. GameStop, AMC, and others went way up only to go way back down. These days, everyone has a Robinhood account and is trading stocks on margin. Plus, the COVID pandemic has added all sorts of volatility to the stock market. In this episode of the Finance For Physicians Podcast, Daniel Wrenne talks to David Blanchett about investing during the craziness of a wild market. David is the Head of Retirement Research for Morningstar's Investment Management Group and an Adjunct Professor of Wealth Management at The American College. Topics Discussed: COVID: How the pandemic and being isolated at home has affected investing • Day Trading: For better or worse, people want to invest in, buy individual stocks • Today's Market: Everyone wants to buy and trade to make money, not possible • False Confidence: How long until the bubble bursts because it will, eventually • Winners and Losers: Problem with day traders is they report one, not the other • Can you beat the stock market? First, learn from mistakes made from investing • Smarter than...? Good investing is boring, advisors don't and can't time market • Utility Grievance: How much do you like something and quantify preferences? • Weigh Outcomes: Downside of doing it yourself is much worse than upside • Short Selling: Put on your blinders and don't follow what everybody else does 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 are talking about levers. 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 wanted to talk to you a little bit about estate planning, building wealth and achieving financial independence is more than just planning for your own future in retirement, but it also involves protecting what you have and securing your family's future. 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 data. How to negotiate based on data, how to determine your fair value based on data. LINKS: www.ContractDiagnostics.com

For some physicians, achieving financial independence is the end-all-be-all to living the good life. Pursuing it can be fantastic when well-balanced and a key factor to reducing burnout. In this episode of the Finance For Physicians Podcast, Daniel Wrenne talks too Donovan Sanchez, a Certified Financial Planner (CFP) and founder of Sky view Financial Planning, about the pursuit of financial independence. Topics Discussed: • What is financial independence? Financially set for life • Pursuit of Financial Independence: Be reflective, thoughtful, and understanding • Does financial independence buy happiness and solve life's problems? • Physician's Perspective: Achieve financial independence sooner than later • Field of Medicine: Doctor's motivation is to help people, make money, escape • I.R.E. Movement: Pressure to payoff student loans in extraordinary timeframe • Time and Money: What's more important? Do you trade dollars for time? • On Living a Rich Life: What would make your life really rich? • Busy Work: Sacrifices need to be made from time to time - no regrets • Vision Document: What do you want your life to be like? • On track or not? Ask someone you love and trust to provide honest feedback LINKS: www.WrenneFinancial.com

What is the behavioral component and psychology of money? How do you deal with it tactically and practically? Your relationship with money is a big deal and makes a significant impact on your day-to-day decisions. In this episode of the Finance for Physicians Podcast, Daniel Wrenne talks to Danielle Seurkamp, Certified Financial Planner (CFP®) and founder of Well Spent Wealth Planning. Danielle focuses on the behavioral side of financial planning and personal finance and helps individuals and families to effectively achieve their financial goals. Topics Discussed: • Financial Literacy: Ability to use knowledge, skills to manage financial resources • Mental and Emotional Errors: Get in the way of ability to use knowledge/skills • Financial Flashpoints/Money Scripts: Experiences shape relationship w/ money • Financial Memories: Think about your past to identify your own money beliefs • Financial Half-truths: Problems and promises can be positive or negative • Financial Fears: Money is how you provide yourself food, shelter, and stay alive • Financial Patterns: Be aware of reasons you spend money based on behaviors • Awareness Exercises: ◦ Intentionally notice, track, and document feelings via journaling ◦ Make a counter-argument to push against your promises and beliefs ◦ Create genogram/chart of your family's financial history ◦ Take money script inventory quiz ◦ Gain clarity on your values • Financial Therapy: When to seek out help with money and relationships LINKS: www.WrenneFinancial.com

Are you struggling with the temptation related to student loan perks? What are the intended consequences of student loans and associated COVID forbearance programs? In this episode of the Finance for Physicians Podcast, Daniel Wrenne talks about saving money to avoid the COVID-19 forbearance lifestyle creep. Topics Discussed: • COVID Forbearance: No payments, no interest on student loans until Aug. 31 • Good news? Yes, for PSLF, but what are people doing with the money? • Average American Person: Temptation is to spend all or more money in pocket • Consumption Effect and Awareness: Student loan payments will begin again LINKS: www.WrenneFinancial.com

Today I wanna talk a little bit about interest rates and where they've gone over the last 30 days. I would say about three quarters of a percent. Link to website: https://dougcrousephysicianloans.com/

Today I want to talk to you a little bit about student loans and maybe give you some tips on ways to get out of debt a little bit faster.

Today we're talking about negotiations. What makes sense, email or phone? 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/

Are you on auto-pilot and susceptible to routines and the rest of the world's values? What's most important to you in your life? There are solid steps or ways that you can take to clarify (or re-clarify) your true values. In this episode of the Finance for Physicians Podcast, Daniel Wrenne talks about three specific exercises to help you clarify and align your values. Topics Discussed: • What are values? Undercurrent or true driver to measuring happiness • Values Awareness: Day-to-day actions in alignment with what's most important • Results: Better decisions, confidence, happier, and feeling more purpose-driven • Symptoms: Feeling lost, lack of confidence in decision making, and stress • Value of Values: Believe in, maintain, and reinforce awareness of your values • Exercise #1: Values Clarification (highlight/prioritize/summarize what's important) • Exercise #2: Life Map (Reflect on past; visually pointing out life's ups and downs) • Exercise #3: 80th Birthday: Focus on future and purpose (who/what's important) 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 is a brief session on forced change. 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/

Are you a physician tired of getting ripped off and wanting a fair shake on Wall Street? Rather than getting mad, understand how the financial services industry works. Do the right thing by knowing when and why to hire or fire your financial advisor. In this episode of the Finance For Physicians Podcast, Daniel Wrenne talks to Dr. Jim Dahle, a practicing emergency room physician and founder of The White Coat Investor, and Alan Moore, co-founder and CEO of the XY Planning Network about DIY financial planning versus hiring a financial advisor to help. Topics Discussed: • Making and Managing Money: Decide to hire help or do-it-yourself (DIY)? • Seeking financial advice: Stigma, status symbol, or too busy • Should a good advisor be saving you time and money? Good advice at fair price • Getting stuff done: Do you struggle to get those not so fun financial tasks done? • Mental energy: Are you fried and dreading financial chores? • Therapy and Financial Advice: Why financial planning often intertwines the two • Best and Worst Advisors: Compensation, commission, fee, CFP®, fiduciary? • Are you working with a broker or insurance agent posing as a "financial advisor"? • Conflict of Interest: Get a second opinion when pitched permanent life insurance • Financial Advice Future: Financial planning as a profession 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 about second homes. 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 have asked Sean Robinson with Brush Creek Select to join me, to talk about the exciting world of insurance. It's just as important to play defense and protect the things that you've already accumulated. Join and learn more! Want to learn more about Sean with Brush Creek Select. Click the link! [email protected] 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 creative negotiations. LINKS: www.ContractDiagnostics.com

How do you plan for a child who has a disability? Overcome the initial fear and concern for the unknown and focus on the positive blessing they are to your family. Learn to live a fuller and richer life by turning lemons into lemonade. In this episode of the Finance for Physicians Podcast, Daniel Wrenne talks to Laura Yost, who is married to an internal medicine physician. They have four children. The youngest, Scarlett, has Down's Syndrome. Topics Discussed: • Lemonade Stand: Where teamwork and kind people give back to the community • Blessing or cross to bear? Biggest challenge is lack of support, misconceptions • Step in the right direction? Only willing to go where Scarlett's welcomed, wanted • Before and After: Reality of what it means to have a child with Down syndrome • Guilty: Parents blame themselves for allowing their child to have Down syndrome • Healthwise: 50% of babies with Down syndrome have a heart defect, not Scarlett • Learn to Exist: What do I do and how do I do it to help my child live their best life • The Lucky Few: Scarlett is a gift, treat her that way and not as a burden • Growth Mindset: No pressure to be perfect; learn to do your best, make progress • Money doesn't buy happiness, but makes life better and easier up to a point • Inclusion: Best education for kids with disabilities and their same-age peers LINKS: www.WrenneFinancial.com

Today we're talking about algorithms and how to think this way around contracts. LINKS: www.ContractDiagnostics.com

Nobody's perfect. Everyone needs to take care of their mental health, including physicians. Perfectionism in medicine can spill over into physicians' personal finances. In this episode of the Finance for Physicians Podcast, Daniel Wrenne talks to Dr. Michael Myers about physician perfectionism. Michael is professor of clinical psychiatry at SUNY-Downstate Medical Center and author of eight books covering everything from physician suicide and mental health to physician marriages. Topics Discussed: • Tyranny of Perfectionism: Extreme perfection can affect productivity • Good Enough: Strive for excellence, but find and accept balanced portion • Human Humor: Welcome to medical school, you're (not) the best and brightest • Imposter Syndrome: Message of perfectionism leads to inferiority • Survive and Thrive: Perfectionism is expected, to err is human • Demographics and Diagnoses: Diverse physician and patient population • Signs: Worry too much, stay too late, struggle with competence and confidence? • House of Medicine Stigma: Should doctors ask for or need help? • Physician Personalities and Psychiatry: Self-resolve or seek help with triggers • Money Management: Most physicians are not gifted in economics/business • Marriage and Money: Keeping up with the Joneses linked to perfectionism • Privilege or Poverty: Physician's upbringing is pressure to maintain or do better • Married to Doctors: Say and do something in a loving manner; listen and get help • Co-parenting: Compliment and cut back on child's activities; time is not unlimited LINKS: www.WrenneFinancial.com

Today I wanna talk to you about appraisal. Link to website: https://dougcrousephysicianloans.com/

I was doing some research lately about remote monitoring and I came across a company that really impressed me with their customer friendly platform. Today I have on Dr. Bob Pollock and Sam Romeo to talk about remote monitoring and the benefits from it. Link: https://integratedtelehealthservices.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, let's talk a little bit about what we've learned over our 12 years of doing physician contract reviews. PTO paid time off, earn time off vacation. LINKS: www.ContractDiagnostics.com Just as the right advice helps you thrive financially. The right support team allows you to Excel professionally. Whether be healthcare's Locums experts will match you with the best jobs, prepare you for success and provide 24 7 support. https://weatherbyhealthcare.com/

Physicians feel the pressure to be perfect, and sometimes hide or fail to address their own mental wellness. Medicine's intense focus on the quality of patient care is generally a good thing, but in some cases has unintended negative consequences. It takes courage for a physician to be vulnerable. In this episode of the Finance For Physicians Podcast, Daniel Wrenne talks to Dr. John Budin, an accomplished physician, speaker, and blogger. John discusses why he chose to practice medicine and what he describes as the mental health closet. Topics Discussed: • John's Case: Pressure to hide mental health flaws that make physicians human • Mental Health Closet: Why John finally publicly shared bipolar disorder diagnosis • Culture of Medicine: Vulnerability is opposite of professionalism and success • Caregivers vs. Receivers: Difficult for doctors to acknowledge need, ask for help • License at Risk: Career consequences, repercussions for revealing mental health • Stigma Solution: Support and care for colleagues struggling with mental health • Community: Increased mental health awareness with doctors, residents, students • Physician's Financial Path: Scary, uncertain aspects of being destabilized in life • First Step: Get treatment publicly or behind closed doors to remain confidential • Accept Humanness: Ways to become who you are, authentic, and vulnerable LINKS: www.WrenneFinancial.com Just as the right advice helps you thrive financially. The right support team allows you to Excel professionally. Whether be healthcare's Locums experts will match you with the best jobs, prepare you for success and provide 24 7 support. https://weatherbyhealthcare.com/

Today's show we're talking about when you should walk! LINKS: www.ContractDiagnostics.com Just as the right advice helps you thrive financially. The right support team allows you to Excel professionally. Whether be healthcare's Locums experts will match you with the best jobs, prepare you for success and provide 24 7 support. https://weatherbyhealthcare.com/

Today is about something that you probably wouldn't really think would affect you is layoffs. Link to website: https://dougcrousephysicianloans.com/ Just as the right advice helps you thrive financially. The right support team allows you to Excel professionally. Whether be healthcare's Locums experts will match you with the best jobs, prepare you for success and provide 24 7 support. https://weatherbyhealthcare.com/

We had talked awhile back about creatively negotiating. How can we make our contracts better? Come and have a listen as Jon Appino gives some insight on how to negotiate your contract for what you want. Just as the right advice helps you thrive financially. The right support team allows you to Excel professionally. Whether be healthcare's Locums experts will match you with the best jobs, prepare you for success and provide 24 7 support. https://weatherbyhealthcare.com/

Does the medical profession make you feel like you got to have everything together because everyone around you is perfect? Everything and everyone has flaws, including physicians who are far from perfect but pretend everything is all good all the time. In this episode of the Finance for Physicians Podcast, Daniel Wrenne talks to Christine Runyan, co-founder of Tend Health, which brings a team of clinicians to the intersection of clinical care, health professions, and technology. Christine understands and views clinician well-being through the lens of a psychologist. Topics Discussed: • How perfectionism negatively affects physicians' mental health • Ways for physicians to address perfectionism proactively • Physicians' Mental Health: Getting to the point of it's ok to not be ok • Tend Health: All work done via video telehealth platform and care for physicians • Barriers: Licensing and credentialing process asks about mental health history • Stigma and Culture: Amplifies sense of self-determination to get through anything • Be Human First: Maximize privacy, confidentiality, access to mental health care • Physician Stereotype: Paradox that they need help, but too often suffer in silence • What's expected? Know the right answer, be curious/authentic, ask questions • Financial Aspects: Average resident/fellow has six-figure student loan balance • Coping Strategies: Self-awareness is super power to being honest with yourself LINKS: www.WrenneFinancial.com Just as the right advice helps you thrive financially. The right support team allows you to Excel professionally. Whether be 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 compensation, but not in a typical fashion about how to evaluate your worth or how to negotiate your particular salary or hourly rate. LINKS: www.ContractDiagnostics.com Just as the right advice helps you thrive financially. The right support team allows you to Excel professionally. Whether be healthcare's Locums experts will match you with the best jobs, prepare you for success and provide 24 7 support. https://weatherbyhealthcare.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 Just as the right advice helps you thrive financially. The right support team allows you to Excel professionally. Whether be 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 intellectual property. LINKS: www.ContractDiagnostics.com Just as the right advice helps you thrive financially. The right support team allows you to Excel professionally. Whether be 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 wanted to talk to you just a little bit about new construction and how that differs quite a bit from buying a resale house. Link to website: https://dougcrousephysicianloans.com/ Just as the right advice helps you thrive financially. The right support team allows you to Excel professionally. Whether be 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 have on Kelsey O'Toole and we will talking about title companies, title insurance, and see why we need them. Just as the right advice helps you thrive financially. The right support team allows you to Excel professionally. Whether be 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 APP supervision. LINK: www.ContractDiagnostics.com

What is a health savings account (HSA), and why are so few people utilizing it? The HSA is one of the best tax shelters that exists to build wealth. In this episode of the Finance For Physicians Podcast, Daniel Wrenne talks about how the HSA works, how to decide if it is a good fit for you, and ways to manage an HSA to maximize its efficiency. Topics Discussed: • Two Groups of People: ◦ Those who don't use HSA at all ◦ Those who do, but don't maximize its efficiency • What is the HSA? Access to an account via a qualified health insurance plan • What is a qualified health insurance plan? Separate part of plan to use HSA • Why is the HSA a great way to build wealth? ◦ Rollover balance ◦ Invest those dollars ◦ Offers tax benefits • Decision-making Factors: ◦ Low utilization of healthcare insurance ◦ Higher expected upcoming healthcare costs ◦ Out-of-pocket costs ◦ Matching HSA funds ◦ Incorporate tax benefits • Open Enrollment: Run the numbers before you choose an option LINK: www.WrenneFinancial.com

Today on this episode of Coffee and Contracts, We're talking today about disability! LINK: www.ContractDiagnostics.com