Best Nate Reineke Podcasts (2024)

1
Are we on track for retirement? 38:58

14d ago38:58

38:58

On today’s episode we answer more of your questions! Are we on track for retirement? My mom and dad need a little help with money - how much can I help? Is now the right time to upgrade in house? Another physician inheritance: what should I do with my extra money? I am looking at hiring a financial advisor, what questions should I ask them? I keep …

1
How will you invest my money? 26:47

1M ago26:47

26:47

On today's episode we answer YOUR questions! Should I stop contributing to my taxable account and 529s if we are going to move in a year? How much can we contribute to our grandchildren's 529 accounts without going over the gift limit? How much does college cost? If I go with Physician Family and you manage my accounts, how will you invest my money…

1
Should I pay off my house with my inheritance? 23:19

2M ago23:19

23:19

How do I use my 529 to pay for college? Should I make regular 529 withdrawals or can I leave the 529 money in the account growing tax free as long as possible? I received a large inheritance, should I pay off my 2.5% mortgage? Should I count on merit based scholarships? Should I let my 1-year CD rollover at Alliant or move it to a cash reserves acc…

1
Should I pay down debt or invest? 21:32

2M ago21:32

21:32

On today’s show… Is it finally time to pay off my student loans? I make $700,000 a year and I want my spouse to work..am I wrong? Should I put my college money in cash or 529s? Did my $2M home purchase derail my retirement? Am I putting too much in my 529? New city, new job. Can I wait a while to start saving for retirement while everything is in f…

1
How should I choose a tax preparer? 17:09

3M ago17:09

17:09

On today’s show… • How do I choose the right tax preparer? • Why didn’t my automatic payment come out for my mortgage? • Should we move closer to our parents? • Should I count on hitting my RVUs? • Should I buy into my surgery center? • I am 10-years from retirement, should I cancel my life and DI insurance? • How do we combine finances in my secon…

1
Are Financial Advisors Worth it for Physicians? 29:52

3M ago29:52

29:52

You’ve been waiting for it all this time. So here we are, on our 67th episode - here comes the shameless self promotion. Right? I mean what advisor doesnt think they are worth it. Well not only do we believe we are worth it, we can prove it. On today’s show, Nate and Ben share three ultra-simple moves that are so basic and so valuable that even sup…

1
Physician College Planning: What your colleagues are saying now 22:12

4M ago22:12

22:12

Physician culture is a funny thing. Your colleagues may be thinking the same thing you’re thinking (about paying for college) but you would never know. Well, we do. As our in house college planning specialist, Nate Reineke has written college plans to help the physician moms and dad we serve send more than 300 children to college. So maybe your col…

1
Demystifying Defined Benefit Plans with Courtenay Shipley 25:10

4M ago25:10

25:10

If something seems too good to be true, it probably is (not?) When physicians hear that they could save tens of thousands of dollars in taxes by utilizing a Defined Benefit Plan for retirement saving, it sounds like a pipe dream. Before you write this retirement savings tool off, think of it like this: If something seems too good to be true, it pro…

1
Physician Vacation Homes: Swipe right? Or left? 24:48

5M ago24:48

24:48

Happy (somewhat belated) Valentine’s Day physician moms and dads. Did you remember to make a date or buy your sweetie flowers? If you failed it’s not too late, you can still buy them a vacation home! But should you? Whether they are dreaming of a house in the mountains or a condo on the beach, your colleagues often cite three reasons to tie the kno…

1
How Can Physicians Balance Their Health With Their Work And Family Lives? 31:11

5M ago31:11

31:11

“If you don’t make time for your health now, you will be forced to make time for your illness later.” You have heard quotes like this before but they don’t change the fact that it is difficult for physicians to make time for much of anything other than work and their family lives. Listen in as Hannah Brandt - an expert in nutrition and helping busy…

1
Three Ways Physicians Can Get The Things That Money Cannot Buy 17:34

6M ago17:34

17:34

Money won’t buy you happiness. You have all heard this before and by and large everyone agrees with this statement, yet for many physicians your actions say otherwise. Listen in as Nate lays out how working with hundreds of physician families has shaped his thinking on what living an abundant life really means and how you can shift your perspective…

1
Good news for physicians planning for college 29:46

7M ago29:46

29:46

Remember the good old days? I’m not talking about the days where teenagers consistently used words like “sir” and “ma’am”, I’m talking about when those teenagers could get away with paying for college with nothing but the income they earned from their summer jobs. While those days are gone, the College Board just came out with some good news about …

1
The wrong way to think about your physician inheritance 30:08

7M ago30:08

30:08

Einstein famously said “Compound interest is the eighth wonder of the world. He who understands it, earns it … he who doesn't … pays it.” In today’s episode Nate and Ben discover that this compounding effect is not unique to your investments with money. It works the same way with your joy and ability to create memories early in your life. Listen in…

1
Open enrollment blunder costs physician $366,000 25:37

8M ago25:37

25:37

Did you brush your teeth today? Of course you did. But did you actually think about what you were doing? Probably not. Insurance open enrollment is like that. It’s something you do every year and you probably don’t think about it. In fact, you just might choose to do the same thing you did last year but that could cost you hundreds of thousands of …

1
Your Old Physician 401k: Time Bomb or Treasure Chest? 35:29

8M ago35:29

35:29

Imagine your physician Retirement Fund is one big pie. If you look closely, that pie will primarily be made of a physician 401k or 403b and the entire financial services industry wants a piece. If you’re not careful where the filling lands, you might cut them more than their fair share. Listen to Nate and Kyle discuss how to keep more 401k money fo…

1
Physician investing basics: what are ETFs? 29:20

9M ago29:20

29:20

Investing is a strange thing: the less you pay, the more you get. And for physician investors, keeping more of what you earn means paying less taxes on your investments. For the past three decades Exchange Traded Funds (ETFs) have made it easy for all investors to own a balanced, diversified, low cost, tax efficient portfolio. But what are ETFs and…

1
Physician retirement planning sucks, now what? 33:51

9M ago33:51

33:51

Imagine a big sack of donuts. Now imagine a big stack of plywood. What do these have in common? They are stories Ben and Nate share on today’s show. While every physician wants to be responsible with money, most physicians come to realize that retirement planning simply sucks. It’s laborious, time consuming and overwhelming. So what do you do? List…

1
Physician student loans, what should you do right now? 27:53

10M ago27:53

27:53

Fake news. It’s everywhere and some people even believe it. Some unintentional fake news you have heard recently is that Public Service Loan Forgiveness is not real. In today's show, Ben and Nate share stories of real live physicians who have gotten real relief through the Public service loan forgiveness program. We break down the must-know news ab…

1
Tax loss harvesting: another hidden physician tax break 24:46

10M ago24:46

24:46

Every physician wants to lower their tax bill. But, of all the best-known tax strategies for doctors that you may have heard about, which ones are both possible and worth your time? Tax loss harvesting just might be the winning answer for a mid-career physician. Listen in as Kyle and Nate discuss tax loss harvesting and if it’s right for you ARE YO…

1
New baby? Take an inside look at real college planning 30:45

11M ago30:45

30:45

College is getting more and more expensive every year. For most people, the cost of college results in a six-figure ball and chain of student loan debt. Have you ever wondered how your children can show up to their college graduation ceremony free from this financial burden? Listen in on some LIVE college planning with Nate and Chelsea where they d…

1
7 things physicians can do with extra money now 20:40

11M ago20:40

20:40

Lets face it; you have WAY too much cash in the bank. Maybe you got a buy-out. Or an inheritance. Or maybe cash has been piling up in your bank account because you just haven’t had time to invest it. Well, now is the time to think about all the things you can do with that extra money and maybe even start to take action. Join Nate and Ben to learn h…

1
How doctors can spot bad target date funds 28:37

12M ago28:37

28:37

Good medicine requires a good treatment plan for each patient and the tools needed to implement it. But what do you do when your most efficient tool is broken? Listen in as Nate asks Kyle what to do when you have a sound treatment plan for your investments - target date investing - but the target date funds in your 401(k) are busted. ARE YOU GETTIN…

1
7 Questions to ask your next physician financial advisor 32:00

1y ago32:00

32:00

Have you ever hired a babysitter? You know, someone you trust to love and care for your child while you’re away? Well, hiring a financial advisor is a lot like that. If you’re looking for a new financial advisor, you’ll undoubtedly want to ask all the right questions. In this episode, Ben and Nate give you seven questions you can use to choose not …

1
Is Real Estate Really For Doctors? 22:35

1y ago22:35

22:35

Doctors are smart and real estate is real but is real estate the right investment for real smart doctors? The answer is no. Listen in as Ben and Nate discuss the four reasons why physicians – at least those who want to focus on their marriages, their children and their practices – can just say NO to the problems, perils and broken promises of real …

1
Is Physician Happiness Even A Thing? 26:51

1y ago26:51

26:51

Is “physician happiness” an oxymoron? Sometimes it may seem that way but you may be surprised to hear that some physicians have cracked the code on happiness. On this episode, Ben Utley, CFP® and Nate Reineke, CFP® discuss the Medscape Physician Lifestyle & Happiness Report 2023 in an effort to understand why physicians reported being less happy th…

1
Financial Freedom: Do Doctors Actually Retire Early? 24:49

1y ago24:49

24:49

If you’re a physician, you’ve probably heard of F.I.R.E. (financial independence, retire early). It sounds amazing, but do physicians *actually* retire early? Why or why wouldn’t you? On this episode, Nate Reineke, CFP® is joined by Chelsea Jones, CFP®, our in-house Retirement Planning Specialist, to discuss the balancing act between working to sav…

1
Exploring Physician Mom Guilt with Sandra Rood M.D. 28:13

1y ago28:13

28:13

If raising a physician family is like a circus, then physician moms are the jugglers keeping all the balls in the air. “You’ve got to know which balls are glass and which ones are rubber so you know which one it’s okay to drop,” says Dr. Sandra Rood, our guest in this episode. As a pediatrician, a wife and mother to a special needs child, Sandra wa…

1
Physician 401k, Right or Roth? 20:18

1y ago20:18

20:18

What do neurosurgeons and otolaryngologists have in common? Beyond the polysyllabic nature of their titles, they are both high earning physicians AND four out of five of them are making a BIG tax mistake with their 401ks. Specifically, they’re choosing the Roth 401k, not the right one or the “Traditional” 401k. Listen in as Ben and Nate walk throug…

1
Why Do Physicians Get Big Surprise Tax Bills? 13:11

1+ y ago13:11

13:11

How was your tax bill this year? Was it smooth and easy? Or did you get a nasty surprise? If you have ever felt the shock and awe that comes from a surprise tax bill bomb, this episode is for you. Listen in as Ben and Nate discuss the top three reasons why young physicians, mid-career physician investors and self-employed doctors sometimes get hit …

1
What is the best investment for VA & military doctors? 14:57

1+ y ago14:57

14:57

When it comes to financial stuff, the US government usually gets a bad rap. But the Federal Employees Retirement System Thrift Savings Plan (FERS TSP) is a major exception. Ben and Nate field a question from a US Air Force Reserves flight doctor about how to invest in the TSP. Tune in to learn why this 401k-like plan is so awesome and why one of th…

1
Tax free, investing for physicians just got more interesting 26:52

1+ y ago26:52

26:52

Bonds are boring, aren't they? Well, not anymore. Recent rate increases make bonds more interesting than they've been in years. Better, some bonds yield interest that's tax-free, making them a match for many overtaxed physician families. Listen in as Ben and Nate answer questions like: • What is a bond? • How do they work? • How can physicians inve…

1
VUL-nerable No More: Unwinding Variable Universal Life Insurance for Doctors 31:05

1+ y ago31:05

31:05

Do you remember that guy? You know, the friendly insurance agent you met when you were a resident? That was back when you thought everybody was as honest and well-intentioned as doctors are. And that was at a time when you and your family were vulnerable not only to the whims of fate but the advances of greedy life insurance agents, too. They shoul…

1
Sexy Financial Planning for Physician Families 22:42

1+ y ago22:42

22:42

For Valentine’s Day, we thought about getting you a big box of chocolates, but we decided to give you something less fattening and more fascinating: five tips to rekindle the flame of financial intimacy in your monetary marriage. We scoured the internet in a search for “how to talk about money with your spouse” but we came up practically empty hand…

1
Why is Physician Tax Advice SO Broken? 25:29

1+ y ago25:29

25:29

The tax code is so complicated that even doctors–some of the smartest people on the planet–struggle to make sense of it all. And the one person who is supposed to help, your tax preparer, doesn’t seem to care. Join Ben and Nate as they break down the three “tax things” most physicians want and discuss why the average tax preparer won’t give you the…

1
Why NOT Choose Physician Family Financial Advisors 18:33

1+ y ago18:33

18:33

As we look forward to 2023, we also look back on 2022. We found many physician families who are so happy they’ve been with us for years, and decades even, while others move on after a brief engagement. This got us thinking about who is a match for us and who might be happier elsewhere. At Physician Family Financial Advisors, we hope our advice will…

1
The Physician Retirement Time Machine 33:54

1+ y ago33:54

33:54

What do you need to focus on throughout your career to enjoy a happy retirement? Today, it’s time to hop in the “Physician Retirement Time Machine” to see how things might look a couple of decades from now. How can you graduate from a successful career with a smile on your face, a song in your heart and an unexplainably healthy glow about yourself?…

1
The Simple Truth About College Savings for Doctors 19:36

1+ y ago19:36

19:36

What is the simple truth about college savings for doctors? When do physicians need to start saving for their children's college education? How much should a doctor save for public or private college and how can you use a 529 plan to save money? Tune in to learn the answer to these questions and become an informed parent surrounding your child’s co…

1
Three New Tax Mistakes Doctors Will Make in 2023 16:24

1+ y ago16:24

16:24

There are three new tax changes happening for 2023. Although they may seem insignificant, the changes can have big impacts for financial security down the road. Tune in to learn what you as a physician need to know about these changes and how to adjust your IRA, 401K, and HSA accounts accordingly. These small adjustments are a necessity and could p…

1
Should Physicians STOP Investing Now? 15:39

1+ y ago15:39

15:39

Nowadays, investments are looking unfavorable, which leads to the question: should physicians keep investing? The answer is yes! You should continue to invest. The state of the economy is creating an ideal time to purchase investments, trusting that the market will rise again as it has in the past. Are you prepared with a spread of investments? If …

1
Physician Retirement: How to Double Your Money in Half the Time 16:57

1+ y ago16:57

16:57

Through strategy, habits, and mindset change, physicians can easily double their money in half the time to create a comfortable retirement. Using the rule of 72, you can determine the amount needed to invest to reach your retirement goals, and how long it will take to get there. Tune in today to learn how doctors can feel confident they are on trac…

1
The Single Best Tax Deduction for Physicians Might be the HSA 18:28

2y ago18:28

18:28

What might be the single best tax break for a physician’s family? Surprisingly, a health savings account (HSA) may be the right option for your physician family. An HSA account is a vehicle where a physician can save on taxes when money is deposited for future health care expenses. So, how does a physician qualify for an HSA account? What is the ta…

1
How Much Life Insurance Do Doctors Really Need? 37:58

2y ago37:58

37:58

What does a physician need to know about life insurance? What is the difference between cash value and term insurance? Do you have at least the average amount a physician needs to have in a life insurance policy? Tune in for answers to these important life insurance questions and to find out how much life insurance a physician family really needs. …

1
How to Save Huge Taxes with a Cash Balance Plan for Physicians 21:33

2y ago21:33

21:33

Too often physicians will overlook benefits that can boost their retirement. A cash balance plan offers huge tax savings and is a type of defined benefit plan. So what are defined benefit plans, and how can a cash balance plan offer these huge tax savings? A physician who skips over a defined benefit plan could miss out on a large sum of money. Tun…

1
What Every Physician Should Know About I-Bonds 22:37

2y ago22:37

22:37

I-Bonds are an excellent component of a physician’s fully-funded emergency fund. They are state income tax-free and they pay interest that is very similar or exactly the same as the inflation rate. But what are I-Bonds and how do they work? Why would a physician want to buy an I-Bond? Tune in today to learn more about how I-Bonds work and why they …

1
The Eternal Physician, What if you never ever retire? 33:46

2y ago33:46

33:46

What would it look like if you never retire? What are the pros and cons of working for the rest of your life? What if there was a reason you could not retire? How might a physician structure their life? An eternal physician opens the potential for more family time, time with children in their younger years, and longer time for investment decisions.…

1
Are UTMAs a no-no for physician mommies and daddies? 13:02

2y ago13:02

13:02

UTMAs can seem appealing to a physician for the tax break. However, using this account to hide money and present it to a child when they reach adulthood is a no-no. So then are UTMAs still a valuable tool for physician moms and dads? How might they help physicians in the process of giving their children money? Tune in today to learn more about the …

1
10 Tips and Traps for the Relocating Physician 27:12

2y ago27:12

27:12

A physician has made the decision to change jobs or move out of state. What answers should a physician receive before they accept a new position? What key factors should a physician know before they establish new residency, such as taxes, insurance, debt, and retirement? How should a physician plan their move to avoid huge impacts to their life? Ev…

1
Your First Physician Mortgage: How does it work? 29:38

2y ago29:38

29:38

A physician has made the decision to buy a house, so what’s the next step? How should physicians acquire a mortgage? What is the difference between a preferred lender vs. a standard bank loan? What type of loan is the best option for a physician? Tune in to learn the seven recommended steps for physicians in the home buying process that, with plann…

1
Why Physicians Should NOT Refinance Student Loans 35:29

2y ago35:29

35:29

Most physicians–even those well into their career as an attending–will face decisions about student loans. What is the difference between refinancing and consolidating student loans and which one is better? What should physicians consider before they refinance their student loans? Are lower interest loans actually worth it? Should physicians pay on…

1
Changing Jobs: How To Make Your Physician Family Work Better 23:06

2y ago23:06

23:06

Changing jobs is common for physicians, but is money the main motivator? What are some other driving factors that lead physicians to change jobs? What if a new job requires a physician to move their family across the country to a city they’ve never been to and what types of factors should a physician consider if they are offered a new position? Tun…

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