• MtoM #232: Med Student Graduates Debt Free with Limited Parental Help and Finance 101: The Pennies Issue with the Backdoor Roth IRA
    Jul 21 2025

    Today we are taking with a newly graduated med student who made it through school debt free. She worked four different jobs and ended up joining the National Guard to help cover costs. She worked hard to save up enough to pay cash for her first year of school before joining the military to cover the last 3 years. After the interview we are talking about the pennies issue with the backdoor Roth IRA.

    This podcast is sponsored by Bob Bhayani at Protuity. He is an independent provider of disability insurance planning solutions to the medical community in every state and a long-time white coat investor sponsor. He specializes in working with residents and fellows early in their careers to set up sound financial and insurance strategies. If you need to review your disability insurance coverage or to get this critical insurance in place, contact Bob at https://whitecoatinvestor.com/protuity today, by email info@protuity.com or by calling (973) 771-9100.

    The White Coat Investor has been helping doctors, dentists, and other high-income professionals with their money since 2011. Our free personal finance resource covers an array of topics including how to use your retirement accounts, getting a doctor mortgage loan, how to manage your student loans, buying physician disability and malpractice insurance, asset allocation & asset location, how to invest in real estate, and so much more. We will help you learn how to manage your finances like a pro so you can stop worrying about money and start living your best life. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you!

    Have you achieved a Milestone? You can be on the Milestones to Millionaire Podcast too! Apply here: https://whitecoatinvestor.com/milestones

    Find 1000's of written articles on the blog: https://www.whitecoatinvestor.com
    Our YouTube channel if you prefer watching videos to learn: https://www.whitecoatinvestor.com/youtube
    Student Loan Advice for all your student loan needs: https://studentloanadvice.com
    Join the community on Facebook: https://www.facebook.com/thewhitecoatinvestor
    Join the community on Twitter: https://twitter.com/WCInvestor
    Join the community on Instagram: https://www.instagram.com/thewhitecoatinvestor
    Join the community on Reddit: https://www.reddit.com/r/whitecoatinvestor
    Learn faster with our Online Courses: https://whitecoatinvestor.teachable.com
    Sign up for our Newsletter here: https://www.whitecoatinvestor.com/free-monthly-newsletter

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    25 mins
  • WCI #428: Estate Planning and Passing Wealth to Your Children
    Jul 17 2025

    Today we are answering your questions about estate planning and passing on of wealth to future generations. We talk about the value of giving your kids their inheritance earlier in life when they need it most. We discuss if buying variable annuities as a way to pass wealth to your children or grandchildren is a good idea, as well as what to do when you receive an annuity as inheritance. We discuss the importance of getting a solid estate plan in place, especially when there are complicated situations involving multiple properties being kept in the family and passed down to future generations. We also get to hear from our friends at Wellings Capital and then answer a question about private real estate debt funds.

    Today’s episode is brought to us by SoFi, the folks who help you get your money right. Paying off student debt quickly and getting your finances back on track isn't easy, but that’s where SoFi can help — they have exclusive, low rates designed to help medical residents refinance student loans—and that could end up saving you thousands of dollars, helping you get out of student debt sooner. SoFi also offers the ability to lower your payments to just $100 a month* while you’re still in residency. And if you’re already out of residency, SoFi’s got you covered there too.

    For more information, go to https://www.whitecoatinvestor.com/Sofi
    SoFi Student Loans are originated by SoFi Bank, N.A. Member FDIC. Additional terms and conditions apply. NMLS 696891.

    The White Coat Investor has been helping doctors, dentists, and other high-income professionals with their money since 2011. Our free personal finance resource covers an array of topics including how to use your retirement accounts, getting a doctor mortgage loan, how to manage your student loans, buying physician disability and malpractice insurance, asset allocation & asset location, how to invest in real estate, and so much more. We will help you learn how to manage your finances like a pro so you can stop worrying about money and start living your best life. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you!

    Find 1000's of written articles on the blog: https://www.whitecoatinvestor.com
    Our YouTube channel if you prefer watching videos to learn: https://www.whitecoatinvestor.com/youtube
    Student Loan Advice for all your student loan needs: https://studentloanadvice.com
    Join the community on Facebook: https://www.facebook.com/thewhitecoatinvestor
    Join the community on Twitter: https://twitter.com/WCInvestor
    Join the community on Instagram: https://www.instagram.com/thewhitecoatinvestor
    Join the community on Reddit: https://www.reddit.com/r/whitecoatinvestor
    Learn faster with our Online Courses: https://whitecoatinvestor.teachable.com
    Sign up for our Newsletter here: https://www.whitecoatinvestor.com/free-monthly-newsletter

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    1 hr
  • MtoM #231: Dual Doc Couple Saves $100K for Retirement During Residency and Finance 101: Plan Documents for Employer-Provided Retirement Accounts
    Jul 14 2025

    This dual doc couple has a very impressive milestone today. They have saved $100,000 towards retirement during residency. They wanted to give themselves more compounding interest time and not wait until they were attendings. This doc also shared about their student loan journey. They met with Andrew at StudentLoanAdvice.com and got a plan in place early. They decided that they did not want to go for PSLF so before they started residency they refinanced their loans. They took a risk to refinance when their loans were at 0% but they locked in sub 3% and are now feeling very good about their decision. Then, for Finance 101 we are talking about plan documents for employer provided retirement accounts.

    Many investors know about the historic returns, tax advantages, and wealth-building opportunities of commercial real estate investing, but they’re confused about where to start or who to trust. Wellings Capital has created a diversified fund that offers investors an easy on-ramp to access carefully vetted commercial real estate operators and opportunities. Their goal is to provide income, growth, and tax benefits with limited downside risk. With a minimum investment of $50,000, investors get a stake in a portfolio of self-storage, manufactured housing, RV parks, industrial properties, and more. To learn more, go to https://whitecoatinvestor.com/wellings

    The White Coat Investor has been helping doctors, dentists, and other high-income professionals with their money since 2011. Our free personal finance resource covers an array of topics including how to use your retirement accounts, getting a doctor mortgage loan, how to manage your student loans, buying physician disability and malpractice insurance, asset allocation & asset location, how to invest in real estate, and so much more. We will help you learn how to manage your finances like a pro so you can stop worrying about money and start living your best life. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you!

    Have you achieved a Milestone? You can be on the Milestones to Millionaire Podcast too! Apply here: https://whitecoatinvestor.com/milestones

    Find 1000's of written articles on the blog: https://www.whitecoatinvestor.com
    Our YouTube channel if you prefer watching videos to learn: https://www.whitecoatinvestor.com/youtube
    Student Loan Advice for all your student loan needs: https://studentloanadvice.com
    Join the community on Facebook: https://www.facebook.com/thewhitecoatinvestor
    Join the community on Twitter: https://twitter.com/WCInvestor
    Join the community on Instagram: https://www.instagram.com/thewhitecoatinvestor
    Join the community on Reddit: https://www.reddit.com/r/whitecoatinvestor
    Learn faster with our Online Courses: https://whitecoatinvestor.teachable.com
    Sign up for our Newsletter here: https://www.whitecoatinvestor.com/free-monthly-newsletter

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    24 mins
  • WCI #427: Dealing with a Disability Claim with Attorney Ben Glass
    Jul 10 2025

    Today we are talking with Ben Glass, an attorney on our recommended list who helps docs make successful disability claims. Ben talks about what makes for a strong claim, when you might need to get an attorney involved, what mistakes he has seen docs make in the claims process and what he wishes docs knew if they think they might be facing a disability event. Disability Insurance is so important and we hope this episode helps you understand why.

    Laurel Road is committed to helping residents and physicians take control of their finances. That’s why we’ve designed a personal loan for doctors, with special repayment terms during training. Get help consolidating high-interest credit card debt or fund the unexpected with one low monthly payment. Check your rates in minutes to see if you qualify for a lower rate, plus, White Coat Readers also get an additional rate discount when they apply through https://LaurelRoad.com/WCI.
    For terms and conditions, please visit https://LaurelRoad.com/WCI
    Laurel Road is a brand of KeyBank N.A. Member FDIC. All products are offered by KeyBank N.A. Member FDIC. ©2025 KeyCorp® All Rights Reserved.

    The White Coat Investor has been helping doctors, dentists, and other high-income professionals with their money since 2011. Our free personal finance resource covers an array of topics including how to use your retirement accounts, getting a doctor mortgage loan, how to manage your student loans, buying physician disability and malpractice insurance, asset allocation & asset location, how to invest in real estate, and so much more. We will help you learn how to manage your finances like a pro so you can stop worrying about money and start living your best life. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you!

    Find 1000's of written articles on the blog: https://www.whitecoatinvestor.com
    Our YouTube channel if you prefer watching videos to learn: https://www.whitecoatinvestor.com/youtube
    Student Loan Advice for all your student loan needs: https://studentloanadvice.com
    Join the community on Facebook: https://www.facebook.com/thewhitecoatinvestor
    Join the community on Twitter: https://twitter.com/WCInvestor
    Join the community on Instagram: https://www.instagram.com/thewhitecoatinvestor
    Join the community on Reddit: https://www.reddit.com/r/whitecoatinvestor
    Learn faster with our Online Courses: https://whitecoatinvestor.teachable.com
    Sign up for our Newsletter here: https://www.whitecoatinvestor.com/free-monthly-newsletter

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    50 mins
  • MtoM #230: Radiologist Hits Early Financial Independence and Finance 101: The Three Pathways to Wealth
    Jul 7 2025

    Today we are chatting with a radiologist who has hit financial independence just six years out of training. This doc has taken a unique path from being a radiologist with a pain medicine specialty to his methods of making his millions. He is highly invested in crypto, individual stocks, and real estate. He and his wife also moved to Puerto Rico to save money and cut taxes. He has taken on a lot of risk and it has paid off. His next goal is opening a teleradiology business. After the interview we will talk about the three pathways to wealth for Finance 101.

    This podcast is sponsored by Bob Bhayani at Protuity. He is an independent provider of disability insurance planning solutions to the medical community in every state and a long-time white coat investor sponsor. He specializes in working with residents and fellows early in their careers to set up sound financial and insurance strategies. If you need to review your disability insurance coverage or to get this critical insurance in place, contact Bob at https://WhiteCoatInvestor.com/Protuity today by email info@protuity.com or by calling (973) 771-9100.

    The White Coat Investor has been helping doctors with their money since 2011. Our free financial planning resource covers a variety of topics from doctor mortgage loans and refinancing medical school loans to physician disability insurance and malpractice insurance. Learn about loan refinancing or consolidation, explore new investment strategies, and discover loan programs specifically aimed at helping doctors. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor channel is for you!

    Be a Guest on The Milestones to Millionaire Podcast: https://www.whitecoatinvestor.com/milestones

    Main Website: https://www.whitecoatinvestor.com
    Student Loan Advice: https://studentloanadvice.com
    YouTube: https://www.whitecoatinvestor.com/youtube
    Facebook: https://www.facebook.com/thewhitecoatinvestor
    Twitter: https://twitter.com/WCInvestor
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    Online Courses: https://whitecoatinvestor.teachable.com
    Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter

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    24 mins
  • WCI #426: A Deep Dive into HSAs
    Jul 3 2025

    Today we are answering a questions about HSAs. We spend time really getting into the details of what an HSA is, who might want to use it when, contribution limits, and what the pros and cons of using an HSA are. We also answer a question about the thrift savings plan and what to do with your retirement accounts when transitioning into active duty in the military.

    Today’s episode is brought to us by SoFi, the folks who help you get your money right. Paying off student debt quickly and getting your finances back on track isn't easy, but that’s where SoFi can help — they have exclusive, low rates designed to help medical residents refinance student loans—and that could end up saving you thousands of dollars, helping you get out of student debt sooner. SoFi also offers the ability to lower your payments to just $100 a month* while you’re still in residency. And if you’re already out of residency, SoFi’s got you covered there too.

    For more information, go to https://www.whitecoatinvestor.com/Sofi
    SoFi Student Loans are originated by SoFi Bank, N.A. Member FDIC. Additional terms and conditions apply. NMLS 696891.

    The White Coat Investor has been helping doctors, dentists, and other high-income professionals with their money since 2011. Our free personal finance resource covers an array of topics including how to use your retirement accounts, getting a doctor mortgage loan, how to manage your student loans, buying physician disability and malpractice insurance, asset allocation & asset location, how to invest in real estate, and so much more. We will help you learn how to manage your finances like a pro so you can stop worrying about money and start living your best life. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you!

    Find 1000's of written articles on the blog: https://www.whitecoatinvestor.com
    Our YouTube channel if you prefer watching videos to learn: https://www.whitecoatinvestor.com/youtube
    Student Loan Advice for all your student loan needs: https://studentloanadvice.com
    Join the community on Facebook: https://www.facebook.com/thewhitecoatinvestor
    Join the community on Twitter: https://twitter.com/WCInvestor
    Join the community on Instagram: https://www.instagram.com/thewhitecoatinvestor
    Join the community on Reddit: https://www.reddit.com/r/whitecoatinvestor
    Learn faster with our Online Courses: https://whitecoatinvestor.teachable.com
    Sign up for our Newsletter here: https://www.whitecoatinvestor.com/free-monthly-newsletter

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    1 hr and 1 min
  • MtoM #229: Intensivist Goes into the ICU and Comes Out a Millionaire and Finance 101: How to Know Where You Stand Financially
    Jun 30 2025

    Today we are talking to a pulmonary and critical care doc who is returning to the podcast for a second interview. He has achieved several milestones including paying off his student loans and becoming a millionaire. This doc also had a big health scare that landed him in the ICU for a week with a 6 week recovery after he got out of the hospital. He shares how grateful he was to have his financial life in order so he could focus on recovery. He expresses deep gratitude to everyone who took care of him and helped him get healthy again. After the interview we are talking about how to know where you stand financially for Finance 101.

    Are you using multifamily to build long-term wealth? If not, I strongly encourage you to take a look at 37th Parallel Properties. They are multifamily specialists with a 100% profitable track record across over $1 billion in transaction volume since 2008. Investing with them is like partnering with a highly tax-advantaged family office, building an income-producing long-term wealth development platform. With 37th Parallel, you get access to institutional quality assets, conservatively managed, with proven results. Their educational content on Passive Multifamily Investing is also very good. Visit https://37Parallel.com/wci today for more information.

    The White Coat Investor has been helping doctors, dentists, and other high-income professionals with their money since 2011. Our free personal finance resource covers an array of topics including how to use your retirement accounts, getting a doctor mortgage loan, how to manage your student loans, buying physician disability and malpractice insurance, asset allocation & asset location, how to invest in real estate, and so much more. We will help you learn how to manage your finances like a pro so you can stop worrying about money and start living your best life. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you!

    Have you achieved a Milestone? You can be on the Milestones to Millionaire Podcast too! Apply here: https://whitecoatinvestor.com/milestones

    Find 1000's of written articles on the blog: https://www.whitecoatinvestor.com
    Our YouTube channel if you prefer watching videos to learn: https://www.whitecoatinvestor.com/youtube
    Student Loan Advice for all your student loan needs: https://studentloanadvice.com
    Join the community on Facebook: https://www.facebook.com/thewhitecoatinvestor
    Join the community on Twitter: https://twitter.com/WCInvestor
    Join the community on Instagram: https://www.instagram.com/thewhitecoatinvestor
    Join the community on Reddit: https://www.reddit.com/r/whitecoatinvestor
    Learn faster with our Online Courses: https://whitecoatinvestor.teachable.com
    Sign up for our Newsletter here: https://www.whitecoatinvestor.com/free-monthly-newsletter

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    23 mins
  • WCI #425: WCICON25 Columnist Panel
    Jun 26 2025

    Today we are sharing one of our fan favorite sessions from WCICON25. Several of our White Coat Investor Columnists joined Dr. Dahle on stage for a discussion about spending extravagantly. They shared what intentional spending looks like and how their view of extravagant spending has changed over their career. They also answer audience questions live. We hope you enjoy this peek into WCICON with Dr. Tyler Scott, Dr. Julie Alonso, Dr. Adam Safdi, Dr. Genhee So, and Josh Katzowitz. If you want to join us this year in Las Vegas for WCICON you can snag your ticket at www.wcievents.com.

    Today’s episode is brought to us by SoFi, the folks who help you get your money right. Paying off student debt quickly and getting your finances back on track isn't easy, but that’s where SoFi can help — they have exclusive, low rates designed to help medical residents refinance student loans—and that could end up saving you thousands of dollars, helping you get out of student debt sooner. SoFi also offers the ability to lower your payments to just $100 a month* while you’re still in residency. And if you’re already out of residency, SoFi’s got you covered there too.

    For more information, go to https://www.whitecoatinvestor.com/Sofi
    SoFi Student Loans are originated by SoFi Bank, N.A. Member FDIC. Additional terms and conditions apply. NMLS 696891.

    The White Coat Investor has been helping doctors, dentists, and other high-income professionals with their money since 2011. Our free personal finance resource covers an array of topics including how to use your retirement accounts, getting a doctor mortgage loan, how to manage your student loans, buying physician disability and malpractice insurance, asset allocation & asset location, how to invest in real estate, and so much more. We will help you learn how to manage your finances like a pro so you can stop worrying about money and start living your best life. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you!

    Find 1000's of written articles on the blog: https://www.whitecoatinvestor.com
    Our YouTube channel if you prefer watching videos to learn: https://www.whitecoatinvestor.com/youtube
    Student Loan Advice for all your student loan needs: https://studentloanadvice.com
    Join the community on Facebook: https://www.facebook.com/thewhitecoatinvestor
    Join the community on Twitter: https://twitter.com/WCInvestor
    Join the community on Instagram: https://www.instagram.com/thewhitecoatinvestor
    Join the community on Subreddit: https://www.reddit.com/r/whitecoatinvestor
    Learn faster with our Online Courses: https://whitecoatinvestor.teachable.com
    Sign up for our Newsletter here: https://www.whitecoatinvestor.com/free-monthly-newsletter

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    1 hr and 6 mins