Ep95: From Burnout to Breakthrough: How Dr. Marina Capella Built a Thriving Pediatric Direct Primary Care Practice

Finding Financial Freedom with The Frugal Physician - Finance, Wellness, Budget, Student Loans, Wealth, Doctor, Fitness, Money

22:08

Host Francesca Amiker sits down with directors Joe and Anthony Russo, producer Angela Russo-Otstot, stars Millie Bobby Brown and Chris Pratt, and more to uncover how family was the key to building the emotional core of The Electric State . From the Russos’ own experiences growing up in a large Italian family to the film’s central relationship between Michelle and her robot brother Kid Cosmo, family relationships both on and off of the set were the key to bringing The Electric State to life. Listen to more from Netflix Podcasts . State Secrets: Inside the Making of The Electric State is produced by Netflix and Treefort Media.…

Finding Financial Freedom with The Frugal Physician - Finance, Wellness, Budget, Student Loans, Wealth, Doctor, Fitness, Money »
Ep95: From Burnout to Breakthrough: How Dr. Marina Capella Built a Thriving Pediatric Direct Primary Care Practice

6 days ago 56:33

MP3•Episode home

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:

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.

95 episodes

#Baby Steps

Ep95: From Burnout to Breakthrough: How Dr. Marina Capella Built a Thriving Pediatric Direct Primary Care Practice

Finding Financial Freedom with The Frugal Physician - Finance, Wellness, Budget, Student Loans, Wealth, Doctor, Fitness, Money

published 6 days ago

MP3•Episode home

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:

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

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.

95 episodes

#Baby Steps

All episodes

Finding Financial Freedom with The Frugal Physician - Finance, Wellness, Budget, Student Loans, Wealth, Doctor, Fitness, Money

1
Ep95: From Burnout to Breakthrough: How Dr. Marina Capella Built a Thriving Pediatric Direct Primary Care Practice 56:33

6 days ago56:33

56:33

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.…

Finding Financial Freedom with The Frugal Physician - Finance, Wellness, Budget, Student Loans, Wealth, Doctor, Fitness, Money

1
Ep94: Navigating the Financial Leaps in Medical Training - From Medical Student to Resident to Attending 35:33

14 days ago35:33

35:33

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.…

Finding Financial Freedom with The Frugal Physician - Finance, Wellness, Budget, Student Loans, Wealth, Doctor, Fitness, Money

1
Ep93: What’s Changing in the Disability Insurance Landscape with Dr. Stephanie Pearson 36:52

21 days ago36:52

36:52

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.…

Finding Financial Freedom with The Frugal Physician - Finance, Wellness, Budget, Student Loans, Wealth, Doctor, Fitness, Money

1
Ep92: From Nursing to Financial Freedom: How Budgeting Can Transform Your Life with Kristin Wade 34:17

28 days ago34:17

34:17

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.…

Finding Financial Freedom with The Frugal Physician - Finance, Wellness, Budget, Student Loans, Wealth, Doctor, Fitness, Money

1
Ep91: What Every Resident Physician Must Know About Guaranteed Standard Issue Disability Insurance with Jamie Fleischner 34:53

5 weeks ago34:53

34:53

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.…

Finding Financial Freedom with The Frugal Physician - Finance, Wellness, Budget, Student Loans, Wealth, Doctor, Fitness, Money

1
Ep90: From Medicine & Marketing to Million-Dollar Real Estate with Dr. Gelerie and Erik - Part 2 31:17

6 weeks ago31:17

31:17

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.…

Finding Financial Freedom with The Frugal Physician - Finance, Wellness, Budget, Student Loans, Wealth, Doctor, Fitness, Money

1
Ep89: From Medicine & Marketing to Million-Dollar Real Estate with Dr. Gelerie and Erik 27:07

7 weeks ago27:07

27:07

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: Getting Started in Real Estate How Dr. Gelerie and Erik transitioned from medicine and marketing into investing. Buying & Renting Their First Property Lessons learned from their first real estate deal. Understanding Market Cycles How real estate moves in cycles and why timing matters. Building Systems & Relationships for Long-Term Success The key to scaling a real estate business efficiently. Shifting Careers & Investing with Confidence How a mindset shift helped them navigate new opportunities. Investing creatively Creative financing strategies that work. 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 Kiyosak i 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.…

Finding Financial Freedom with The Frugal Physician - Finance, Wellness, Budget, Student Loans, Wealth, Doctor, Fitness, Money

1
Ep88: Retirement Planning Secrets: Building Your Paycheck & Finding Fullfillment with Fritz Gilbert 39:30

9 weeks ago39:30

39:30

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.…

Finding Financial Freedom with The Frugal Physician - Finance, Wellness, Budget, Student Loans, Wealth, Doctor, Fitness, Money

1
Ep87: How Direct Primary Care is Breaking Barriers in Healthcare with Dr. Josh Umbehr - Part 2 39:40

10 weeks ago39:40

39:40

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.…

Finding Financial Freedom with The Frugal Physician - Finance, Wellness, Budget, Student Loans, Wealth, Doctor, Fitness, Money

1
Ep86: How Direct Primary Care is Breaking Barriers in Healthcare with Dr. Josh Umbehr - Part 1 26:16

11 weeks ago26:16

26:16

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.…

Finding Financial Freedom with The Frugal Physician - Finance, Wellness, Budget, Student Loans, Wealth, Doctor, Fitness, Money

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Ep85: Financial Freedom with Land Investing: How Dr. Mamta Kumar Built 7-Figure Passive Income Streams 41:22

12 weeks ago41:22

41:22

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.…

Finding Financial Freedom with The Frugal Physician - Finance, Wellness, Budget, Student Loans, Wealth, Doctor, Fitness, Money

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Ep84: Mastering the Billing Side of Medicine: Avoiding Billing Pitfalls & Building a Sustainable Practice 36:15

13 weeks ago36:15

36:15

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.…

Finding Financial Freedom with The Frugal Physician - Finance, Wellness, Budget, Student Loans, Wealth, Doctor, Fitness, Money

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Ep83: Military Money Hacks: Doug Nordman on Early Retirement & Smart Savings 49:26

14 weeks ago49:26

49:26

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.…

Finding Financial Freedom with The Frugal Physician - Finance, Wellness, Budget, Student Loans, Wealth, Doctor, Fitness, Money

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Ep82: Leaning Out with Dr. Dawn Baker: Work-Life Balance, Burnout Recovery, and Success Redefined 47:38

15 weeks ago47:38

47:38

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.…

Finding Financial Freedom with The Frugal Physician - Finance, Wellness, Budget, Student Loans, Wealth, Doctor, Fitness, Money

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Ep81: Empower Your Wallet with Prisca Benson 34:50

16 weeks ago34:50