Tim Ulbrich And Tim Baker - Podcast Details

Shows

Your Financial PharmacistYFP 414: Ask YFP: When Should I Contribute to Roth vs. Traditional Accounts?Wondering whether to contribute to a Roth or Traditional retirement account? Tim Ulbrich and Tim Baker break down key factors like tax brackets, Roth 401(k) access, and long-term planning tips to help you decide. Episode Summary One of the most common questions we get is: Should I contribute to a Roth or Traditional retirement account? In this episode, YFP Co-Founder & CEO, Tim Ulbrich, PharmD, and YFP Co-Founder & COO, Tim Baker, CFP®, RLP®, RICP®, break down the key factors to consider when deciding between Roth and Traditional contributions, including: ✅ Your current and proje...2025-07-1013 min

Your Financial PharmacistYFP 412: Does a 1% Fee Really Cost You 25% of Returns?Does a 1% AUM fee really cost you 25% of your returns? Tim Ulbrich and Tim Baker run the numbers and give you a framework to evaluate the real cost and the real value of financial planning. Episode Summary YFP Co-Founder & CEO, Tim Ulbrich, PharmD, and YFP Co-Founder & COO, Tim Baker, CFP®, RLP®, RICP®, tackle a common concern about working with a financial advisor: Does paying a 1% fee for assets under management (AUM) really eat away a quarter of your investment gains over time? We run the actual numbers using compound interest calculators to see how...2025-06-2620 min

Your Financial PharmacistYFP 408: What Should You Do With an Old 401(k)?What should you do with an old 401(k)? Tim Ulbrich and Tim Baker explore your options, common pitfalls, rollover strategies, and how to make smart moves with old retirement accounts after leaving a job. Summary When you leave a job, what happens to the retirement account you left behind? In this episode, YFP Co-Founder & CEO, Tim Ulbrich, PharmD, and YFP Co-Founder & COO, Tim Baker, CFP®, RLP®, RICP®, take a deep dive into the important financial decisions surrounding old employer-sponsored retirement plans, such as 401(k)s and 403(b)s. Tim and Tim discuss the imp...2025-05-2949 min

Your Financial PharmacistYFP 407: Ask YFP: Using 529s for Student Loans & Buying Bitcoin EfficientlyTim Ulbrich and Tim Baker answer two questions from the YFP community on using 529 funds for student loans and the most cost-efficient ways to invest in digital assets like Bitcoin. Summary In this episode, YFP Co-Founder & CEO Tim Ulbrich, PharmD, is joined by YFP Co-Founder & COO Tim Baker, CFP®, RLP®, RICP®, to answer two insightful financial questions from the YFP community. First, they explore whether it makes sense to use 529 plan funds to pay off student loans. Tim and Tim break down the relevant provisions of the SECURE Act, highlight key limitations and tax...2025-05-1534 min

Your Financial PharmacistYFP 401: Ask YFP: Roth IRA Eligibility & Estimating Life Insurance NeedsTim Ulbrich and Tim Baker tackle questions from the YFP community on life insurance needs for expectant parents and eligibility for direct Roth IRA contributions. Summary On today’s episode, YFP Co-Founders Tim Ulbrich, PharmD and Tim Baker, CFP tackle two important questions from the YFP community. First, they dive into how to project your life insurance needs when welcoming a new baby into the family. Then, Tim and Tim break down how Modified Adjusted Gross Income (MAGI) is calculated to help you determine if you’re eligible for direct Roth IRA contributions. 2025-03-2715 min

Your Financial PharmacistYFP 393: Ask YFP: Growing Your Income & Saving for Kids College SavingsYFP Co-Founders, Tim Ulbrich and Tim Baker answer two listener submitted questions about growing income and saving for your child’s college education. Summary In this episode, Tim Ulbrich, PharmD and Tim Baker, CFP tackle two listener submitted questions. Cory from Arizona seeks advice on how pharmacists, in addition to cutting expenses, can increase their income to achieve their financial goals. Amanda from Minnesota, inquires about 529 college savings plans and balancing it with other financial priorities. Mentioned on the Show YFP YouTube Channel YFP Blog: 19 Ways to Make Extra Money as a Ph...2025-01-2328 min

Your Financial PharmacistYFP 386: Cryptocurrency & Digital Assets: Definitions, Origins, and RisksTim Ulbrich and Tim Baker discuss cryptocurrency, examining its advantages like decentralization and transparency and risks such as volatility and regulatory uncertainty. Summary In this first episode of a two-part series on cryptocurrency and digital assets, YFP Co-Founders Tim Ulbrich and Tim Baker explore the world of digital finance and its relevance in today’s financial landscape. Tim and Tim unpack essential terms and explore how the 2008 financial crisis served as a catalyst for the rise of cryptocurrency, with Bitcoin leading the charge. The discussion highlights the unique advantages of digital assets, such as...2024-11-2836 min

Your Financial PharmacistYFP 382: Living & Leaving a Legacy with Joe BakerJoe Baker, personal finance instructor, returns for inspiring conversation about purposeful living, the power of mentorship, and the enduring impact of a life well-lived. Summary In this episode, we welcome back Joe Baker, MBA for his third appearance on the show. Joe first joined us in 2019 with his former student Blake Johnson, where they shared the inspiring story of their debt-free journey, highlighting the pivotal role Joe played in Blake’s success. In 2020, Joe returned to discuss his book, Baker’s Dirty Dozen Principles for Financial Independence, sharing his expert insights on achieving financial freedom. 2024-10-3147 min

Your Financial PharmacistRx Money Roundup #12: What is your take on pet insurance?We all love our pets - but at what cost? YFP Co-Founders Tim Ulbrich and Tim Baker take a listener question on how to determine whether or not it makes sense to purchase pet insurance. Mentioned on the Show: Submit a Question to Be Featured on Rx Money Roundup Subscribe to the YFP Newsletter YFP Disclaimer 2024-10-2213 min

Your Financial PharmacistRx Money Roundup #11: Should I refinance my mortgage?In this episode, YFP Co-Founders Tim Ulbrich and Tim Baker tackle a question that has not gotten a lot of attention in recent years given the rise in interest rates, which is: “Should I refinance my mortgage and when is it a good time to refinance?” Mentioned on the Show: Submit a Question to Be Featured on Rx Money Roundup Subscribe to the YFP Newsletter YFP Disclaimer 2024-10-1508 min

Your Financial PharmacistYFP 380: Understanding & Improving Your CreditTim Ulbrich and Tim Baker discuss the role of credit in financial planning: why it matters, how it works, what makes up a credit score, common credit misconceptions and more. Summary In this episode, Tim Ulbrich and Tim Baker discuss the role of credit in financial planning. They explore why credit matters, how it works, and how it influences important areas in your financial plan. Tim and Tim break down the factors that make up a credit score, from payment history and credit utilization to the age of credit and hard inquiries. 2024-10-1040 min

Your Financial PharmacistRx Money Roundup #10: How should I handle all the market volatility?In this episode, YFP Co-Founders Tim Ulbrich and Tim Baker dive into practical strategies for investors to navigate market volatility, especially in light of the turbulence we've experienced over the past year. They explore how to maintain a long-term perspective while acknowledging the real emotions—fear, anxiety, and uncertainty—that can arise during times of market fluctuation. Mentioned on the Show: Submit a Question to Be Featured on Rx Money Roundup Subscribe to the YFP Newsletter YFP Disclaimer 2024-10-0815 min

Your Financial PharmacistRx Money Roundup #8: How should I prioritize investing if my employer doesn't have a 401(k) match?On this week’s episode of the Rx Money Roundup, YFP Co-Founders, Tim Ulbrich and Tim Baker, take a question from Jacob in Cincinnati, OH: "How should I prioritize investing if my employer doesn't have a 401(k) match?" Mentioned on the Show: Submit a Question to Be Featured on Rx Money Roundup Subscribe to the YFP Newsletter YFP Disclaimer 2024-09-2409 min

Your Financial PharmacistRx Money Roundup #6: How might a Fed interest rate cut impact me?On this week’s episode of the Rx Money Roundup, YFP Co-Founders, Tim Ulbrich and Tim Baker, discuss how potential interest rate cuts this September could impact you and your financial plan. Mentioned on the Show: Submit a Question to Be Featured on Rx Money Roundup Subscribe to the YFP Newsletter YFP Disclaimer 2024-09-1010 min

Your Financial PharmacistRx Money Roundup #5: Is the pharmacist’s salary eroding?On this week’s episode of the Rx Money Roundup, YFP Co-Founders Tim Ulbrich and Tim Baker discuss what the data has to say about the purchasing power of a pharmacist’s salary and whether or not it’s eroding to inflation and stagnant wages. Mentioned on the Show: Submit a Question to Be Featured on Rx Money Roundup Subscribe to the YFP Newsletter YFP Disclaimer 2024-09-0318 min

Your Financial PharmacistYFP 316: Real Tips From Recent First-Time Home BuyersSummary Buying a home can be a daunting, exciting, and overwhelming experience. On this weeks podcast, sponsored by Real Estate RPh, we are joined by Neal and Kaitie Fox to discuss how they went about buying their first home. Neal is a pharmacist and Kaitie is a stay-at-home mom, and in this episode, they tell us what made them decide to buy a house when they did, what they would say to someone wanting to purchase their first home, and how interest rates and other aspects played a role in their decision. They delve into how they...2023-07-1336 min

Your Financial PharmacistYFP 292: How & Why One Pharmacist Started a Functional Medicine Organization for PharmacistsThis week, Dr. Lauren Castle, founder of Functional Medicine Pharmacists Alliance, discusses how her experiences working with Walmart in influencer marketing and personal branding helped prepare her for growing her business, why she started FMPhA to integrate pharmacists into functional medicine, and her transition from employee to entrepreneur. Links Mentioned in Today’s Episode YFP Planning: Financial Planning for Pharmacists Schedule a free Discovery Call with YFP Planning Functional Medicine Pharmacists Alliance Ohio Pharmacists Association YFP 123: Leveraging Your Expertise to Start a Side Hustle Functional Medicine Pharmacists Alliance Facebook Group Smart Passive Income Podcast with Pat Fly...2023-01-2645 min

Your Financial PharmacistYFP 287: Monetizing Your Clinical Expertise with Dr. Timothy GauthierTim Gauthier, antimicrobial stewardship pharmacist and pharmacy entrepreneur, discusses the genesis of IDStewardship.com and LearnAntibiotics.com, how he has monetized his clinical expertise to create passive revenue streams, and how he balances the demands of entrepreneurship with his personal and professional commitments. Links Mentioned in Today’s Episode YFP Planning: Financial Planning for Pharmacists Schedule a free Discovery Call with YFP Planning IDStewardship.com LearnAntibiotics.com YFP 217: How Kelley Used Her Clinical Expertise to Build a Business KelleyCPharmD Pharmacy & Acute Care University Follow IDstewardship on Instagram: @idstewardship Follow IDstewardship, Antibiotic Stewardship & Pharmacy Education on Facebook Fol...2022-12-2231 min

Your Financial PharmacistYFP Real Estate Investing 62: Revisiting Fundamentals in a Changing Real Estate MarketBlake Johnson, PharmD, and Zac Hendricks return to the YFP Real Estate Investing Podcast to discuss their investment strategy and how they manage risk in a changing real estate market by returning to the fundamentals. Key Points From This Episode A welcome back to Blake and Zac. An overview of the guests, their careers, and their real estate background. Looking at the changes in the market over the last year and how to adjust your strategies. Blake’s endless energy and inability to stop buying properties. The importance of building a relationship with wholesalers. The difference betw...2022-06-1843 min

Your Financial PharmacistYFP 252: One Pharmacist's Journey in Entrepreneurship and Independent PharmacyEmlah Tubuo, the owner and pharmacist in charge at Powell Pharmacy & founder of Emlah Naturals, a pharmaceutical-grade supplement line, shares why she decided to start her own business, the challenges she has had to overcome in starting and running a business, and how she defines personal and professional success. Key Points From This Episode Emlah’s professional background and training. How Emlah was able to study abroad to further her career. The first job Emlah had after graduating and what her role was. Highlights of Emlah’s approach to pharmacy and health care. What motivated Emlah to start...2022-04-2136 min

Your Financial PharmacistYFP 238: The Mindset, Habits, and Behaviors of Pharmacy Influencers and EntrepreneursMike Koelzer, CEO of Kay Pharmacy and host of The Business Pharmacy Podcast, discusses the mindset, habits, and behaviors of successful pharmacy influencers and entrepreneurs. Key Points From This Episode How the family business started. Hear about the creation of The Business of Pharmacy podcast. Mike's approach to maximizing his time each day, and how to use lists more efficiently. What common threads Mike's guests have, striving to achieve something great. How focus and goal-setting are like sailing. The amazing ways we are now able to receive feedback faster and pivot quicker. Mike shares some actionable a...2022-01-1344 min

Your Financial PharmacistYFP Real Estate Investing 38: New Years Goals for Real Estate InvestingTim Ulbrich and Tim Baker discuss goal setting, the importance of your ‘why,’ and translating each to a realistic plan toward real estate strategy in 2022. Key Points From This Episode How to start the year off with strong goals and taking the time to revisit your 'why'. Some examples of realistic goals and why they matter in day-to-day reality. Why having a planner who asks the right questions is crucial. The importance of the act of recurring planning as opposed to having a static plan. How humans grow and change over time; and your financial plan should...2022-01-0140 min

Your Financial PharmacistYFP 234: Your Student Loan Refinancing Questions AnsweredYFP Planning Lead Planner, Kelly Reddy-Heffner, discusses commonly asked questions regarding refinancing student loans. Key Points from this Episode An introduction to Kelly Reddy-Heffner, and recapping her previous YFP episode. How it's a complicated decision to choose the right repayment plan for you. The two distinct categories of who refinancing is not a good fit for. A reminder that refinancing is a one-way street from federal to private. Do checking rates impact my credit score? Be aware of the language used! Unpacking the option of refinancing more than once. Reading the fine print on what happens to...2021-12-1627 min

Your Financial PharmacistYFP 233: Tax Moves to Consider Before 2022Paul Eikenberg, YFP CFO and Director of YFP Tax, discusses how pharmacists can optimize their tax strategy. Key Points from this Episode Paul and Tim catch us up with some exciting happenings in the YFP tax team. Understanding the important difference between tax preparation and tax planning. Differentiating your marginal tax rate and effective tax rate as a decision-making tool. Paul explains the implications of AGI and how to arrive at that number. Touching on the complicated system of student loans and pursuing loan forgiveness. Some common tax blunders that you should look out for! Key cr...2021-12-0942 min

Your Financial PharmacistYFP 227: Why Tim Baker, CFP® Bought a Depreciating AssetTim Baker talks about his recent decision to buy a depreciating asset, how his journey becoming a Registered Life Planner® (RLP®) impacted his decision, and how he coaches clients considering big financial purchases. Mentioned on the Show YFP Planning: Financial Planning for Pharmacists Book a free Discovery Call with YFP Planning GoodRx: Nominate Your Favorite Pharmacy Professional YFP 001: The Genesis of the Your Financial Pharmacist Podcast YFP Real Estate Investing Podcast George Kinder: Three Questions About Life Planning Seven Stages of Money Maturity Workshop EVOKE® 5-Day Life Planning Training YFP 212: Checklist for Building a Strong Financial Fou...2021-10-2835 min

Your Financial PharmacistYFP Real Estate Investing 15: Long-Distance Rental Property InvestingYoung Park discusses his strategy for using the BRRRR method for long-distance real estate investing. Mentioned on the Show YFP Real Estate Concierge Service YFP 182: How This New Practitioner is Leveraging a Team to Invest in Long-Distance Real Estate Bigger Pockets Buy, Rehab, Rent, Refinance, Repeat: The BRRRR Rental Property Investment Strategy Made Simple by David Greene Long-Distance Real Estate Investing: How to Buy, Rehab, and Manage Out-of-State Rental Properties by David Greene Bigger Pockets Podcast Connect with Young Park on Instagram: @young_j_park Join the YFP Real Estate Investing Facebook Group YFP Real Estate...2021-07-2442 min

Your Financial PharmacistYFP Real Estate Investing 14: Protecting Your InvestmentsBryan Neal, an insurance agent, explains insurance terminology, the difference in policies and agent types, and gives his advice for pharmacist real estate investors on protecting their investments. Mentioned on the Show Download The Pharmacist’s Guide to Real Estate Investing YFP Real Estate Investing 03: Running the Rental Numbers with Blake and Zac The E-Myth: Why Most Small Businesses Don't Work and What to Do About It by Michael E. Gerber Rich Dad's CASHFLOW Quadrant: Rich Dad's Guide to Financial Freedom by Robert Kiyosaki Neal-Rougeau Insurance Group Email Bryan Neal: bryan@nrgins.com Join the YFP Re...2021-07-1741 min

Your Financial PharmacistYFP Real Estate Investing 12: Renting by the Room to Maximize Cash FlowRyan Chaw discusses his experience generating a solid monthly rental income through his rent by the room investing strategy in college areas. Ryan shares his methods for screening tenants, making his properties appealing to his target tenants, how he tenant proofs his units, and how pharmacists can reach financial freedom through real estate investing. Mentioned on the Show YFP 140: How Ryan is Bringing in $11,000 a Month Through College Town Real Estate Investing YFP 173: Using Systems to Automate Real Estate Investing Rookie Podcast 35: Doubling Cashflow by Renting out Rooms with Pharmacist Ryan Chaw Rentometer: House and Apartment...2021-07-0343 min

Your Financial PharmacistYFP Real Estate Investing 11: Multi-Unit House HackingNate Mackey discusses his recent start in real estate investing, how the YFP Real Estate Concierge played a role in his first investment property purchase, and how he decided on multi-unit investing for his first property. Mentioned on the Show YFP Real Estate Concierge Service Bigger Pockets Download Your Free Copy of The Pharmacist’s Guide to Real Estate Investing Learn More About IBERIABANK/First Horizon’s Pharmacist Home Loan and Start the Pre-Approval Process Your Financial Pharmacist Podcast Connect with Nate Mackey on LinkedIn Follow Nate Mackey on Instagram: @masternate7 Follow Nate Mackey on Twitter: @mast...2021-06-2629 min

Your Financial PharmacistYFP 209: Three Real Estate Investing Lessons Learned from Fellow PharmacistsNate Hedrick and David Bright discuss the growing interest in real estate investing among pharmacists, common barriers that pharmacists face that may prevent them from getting started, and three real estate investing lessons learned from fellow pharmacists who shared their stories and journeys on the YFP Real Estate Investing Podcast. Mentioned on the Show Insuring Income: Get Quotes and Apply for Term Life and Disability Insurance YFP Real Estate Investing Podcast Join the YFP Real Estate Investing Facebook Group YFP Real Estate Investing 02: Long Term vs. Short Term Rental Property Investing - One Pharmacist’s Perspective YF...2021-06-2438 min

Your Financial PharmacistYFP Real Estate Investing 10: Getting Started Through House HackingBryce Platt discusses house hacking, including his strategy for finding houses and properties that meet his criteria for a good deal, his experience living with his tenants, and how he financed his real estate investments early in his pharmacy career. Mentioned on the Show YFP 160: Navigating the Home Buying Process Through the YFP Concierge Service YFP 130: House Hacking Your Way to Financial Freedom The House Hacking Strategy: How to Use Your Home to Achieve Financial Freedom by Craig Curelop YFP Real Estate Concierge Service YFP Real Estate Investing 03: Running the Rental Numbers with Blake and Zac L...2021-06-1941 min

Your Financial PharmacistYFP Real Estate Investing 09: Getting Started in Multifamily InvestingAnthony Giuliani discusses his rapid growth in real estate investing, focusing on acquiring large multifamily investment properties with a long-term buy and hold strategy. Mentioned on the Show Join the YFP Real Estate Investing Facebook Group Bigger Pockets Podcast YFP 130: House Hacking Your Way to Financial Freedom The House Hacking Strategy: How to Use Your Home to Achieve Financial Freedom by Craig Curelop Peter Harris’ Commercial Real Estate Investing for Beginners Course Vertex42 Rental Property Cash Flow Analysis Zillow Dave Ramsey Rich Dad Poor Dad: What the Rich Teach Their Kids About Money That the Poor an...2021-06-1254 min

Your Financial PharmacistYFP Real Estate Investing 08: Ten Terms for Today’s MarketPharmacist, real estate agent, and investor, Nate Hedrick explains ten common real estate terms in today’s market and what they mean to potential investors. Mentioned on the Show YFP Real Estate Concierge Service YFP Real Estate Investing 02: Long Term vs. Short Term Rental Property Investing - One Pharmacist’s Perspective Rich Dad Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! by Robert T. Kiyosaki YFP Real Estate Investing Podcast Connect with Nate Hedrick on LinkedIn RealEstateRPh YFP Real Estate Investing Join the YFP Real Estate Inves...2021-06-0537 min

Your Financial PharmacistYFP 206: Three Strategies for Buying a House with Student LoansNate Hedrick discusses strategies for buying a home with student loans. He talks about the decision to rent vs. buy, how to determine if you're ready to buy, and three strategies to consider when deciding to buy a home with student loans. Mentioned on the Show YFP Planning: Financial Planning for Pharmacists Register for the Free Webinar: Investing Beyond the 401(k)/403(b) Baker’s Dirty Dozen: Principles for Financial Independence by Joe Baker, MBA with Lindsey Jordan Baker The Pharmacist’s Guide to Conquering Student Loans by Tim Church, PharmD YFP Real Estate Investing Podcast Real Esta...2021-06-0327 min

Your Financial PharmacistYFP Real Estate Investing 07: Short and Medium-Term Rental Property InvestingRachel Gainsbrugh provides insight, practical advice, and resources for finding, managing, and growing your short-term and medium-term real estate rental portfolio. Mentioned on the Show YFP Real Estate Investing 02: Long Term vs. Short Term Rental Property Investing - One Pharmacist’s Perspective Join the YFP Real Estate Investing Facebook Group REI-USA: Real Estate Knowledge Towards Financial Freedom Through Community, Connection, and Collaboration Bigger Pockets Podcast Airbnb Dave Ramsey AirDNA: Short-Term Rental Analytics Vrbo: Vacation Home Rentals Corporate Housing by Owner: Furnished Rentals and Short-Term Rentals Furnished Finder TaskRabbit: Same-Day Handyman, Moving, and Delivery Services Rent Responsibly The...2021-05-2944 min

Your Financial PharmacistYFP 205: Current State of the Pharmacy Job MarketAlex Barker, the founder of The Happy PharmD, talks about the current state of the pharmacy job market, considerations for those looking for their first position or switching jobs, and the intersection between your career and your financial plan. Mentioned on the Show: Insuring Income: Get Quotes and Apply for Term Life and Disability Insurance YFP 192: Findings from the 2021 Pharmacist Salary Guide 2021 Pharmacist Salary Guide The Happy PharmD The Pharmacy Job Market Update: Q1 Review AACP Pharmacy Demand Report: 1st Quarter 2021 JobRx 2021 Pharmacy Jobs Report North American Pharmacist Licensure Examination Passing Rates for 2018—2020 Graduates Per Pharmacy Sch...2021-05-2739 min

Your Financial PharmacistAsk a YFP CFP® #70: What should I be considering when pausing private student loans?Welcome to Ask a YFP CFP®, a segment of the Your Financial Pharmacist Podcast! On today's show Kelly Reddy-Heffner, CFP®, CSLP®, takes this question from the YFP Facebook Group: What should I be considering when pausing private student loans? Mentioned on the Show: YFP Planning: Financial Planning for Pharmacists Join the YFP Facebook Group Navient Earnest Laurel Road Send in your questions here or to info@yourfinancialpharmacist.com Disclaimer: This podcast is intended for educational purposes and should not be considered financial or investment advice as we do not know all the variables to one's persona...2021-05-2406 min

Your Financial PharmacistYFP Real Estate Investing 06: Picking (and Switching) Property ManagersAaron Howell, pharmacist, realtor, and real estate investor, discusses how he manages his 29 unit rental portfolio while maintaining his career as a pharmacist. Aaron digs into the importance of having an excellent property manager, how to find one, and how to know when it's time to get a new one. Mentioned on the Show YFP 129: How One Pharmacist Built a 29 Unit Real Estate Portfolio Bigger Pockets Join the YFP Real Estate Investing Facebook Group The Rich Dad Radio Show with Robert Kiyosaki The Chris Miles Money Show Email Aaron Howell: ahowell7@hotmail.com Connect with Aaron H...2021-05-2235 min

Your Financial PharmacistYFP 204: The Current State of Buying, Selling, and Refinancing a HomeTony Umholtz, a mortgage manager for IBERIABANK/First Horizon, discusses trends in the housing market coming out of the COVID-19 pandemic and the current landscape for those purchasing, refinancing, or selling a home. Mentioned on the Show Learn More About IBERIABANK/First Horizon’s Pharmacist Home Loan and Start the Pre-Approval Process 5 Steps to Getting a Home Loan YFP 136: The Ins and Outs of a Pharmacist Home Loan YFP 154: Getting a Home Loan in a Pandemic YFP 169: Helpful Tips for Getting a Mortgage YFP 191: 10 Common Mortgage Mistakes to Avoid Real Estate RPh: Helping Pharmacists Navigate the Wo...2021-05-2036 min

Your Financial PharmacistAsk a YFP CFP® #69: What does the life insurance policy cancellation process look like?Welcome to Ask a YFP CFP®, a segment of the Your Financial Pharmacist Podcast! On today's show Kelly Reddy-Heffner, CFP®, CSLP®, takes this question from Amelia in Tampa, Florida: What does the life insurance policy cancellation process look like? Mentioned on the Show: YFP Planning: Financial Planning for Pharmacists Your Financial Pharmacist: Insurance For Pharmacists Send in your questions here or to info@yourfinancialpharmacist.com Disclaimer: This podcast is intended for educational purposes and should not be considered financial or investment advice as we do not know all the variables to one's personal situation when answeri...2021-05-1705 min

Your Financial PharmacistYFP Real Estate Investing 05: None to One: How to Get Your FIRST Investment PropertyJenny and Myke White join Nate Hedrick and David Bright to discuss some common fears about purchasing a real estate investment property, specifically taking the jump from none to one, their process for screening tenants, how to build a team, and the importance of networking. Mentioned on the Show YFP Concierge Service YFP 148: How One Couple Got Started in Real Estate Investing Rich Dad Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! by Robert T. Kiyosaki Bigger Pockets Join the YFP Real Estate Investing Facebook Group...2021-05-1551 min

Your Financial PharmacistYFP Real Estate Investing 04: How (and WHY) One Pharmacist Got Started in Real Estate InvestingOn this episode, Nate Hedrick and David Bright welcome pharmacist and real estate investor, Tanh Truong, to the show to discuss how and why he got started in real estate investing early in his pharmacy career. Tanh shares how he stays motivated, long and short-term goals, and inspiration for new investors. Mentioned on the Show Real Estate RPh Rich Dad Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! by Robert T. Kiyosaki Bigger Pockets Bigger Pockets Forums Bigger Pockets Bookstore MLS Multiple Listing Search The 12 Week Y...2021-05-0845 min

Your Financial PharmacistYFP Real Estate Investing 03: Running the Rental Numbers with Blake and ZacOn this episode, Nate Hedrick and David Bright welcome real estate investing partners, Blake Johnson, PharmD, and Zac Hendricks to the show. Blake and Zac discuss their why behind real estate investing, their networking strategy, and tools and tips they use to run numbers on deals. Mentioned on the Show Join the YFP Real Estate Investing Facebook Group YFP 168: How Blake and Zac Analyze Real Estate Deals YFP 082: Debt Free Theme Hour with the Teacher and Pupil Dave Ramsey Bigger Pockets Real Estate Podcast MLS Multiple Listing Search DealMachine Bigger Pockets: The 1% Rule in Real Estate...2021-05-0151 min

Your Financial PharmacistYFP Real Estate Investing 02: Long Term vs. Short Term Rental Property Investing - One Pharmacist’s PerspectiveOn this episode of the YFP Real Estate Investing Podcast, pharmacist and real estate investor Jared Wonders, joins Nate and David to discuss his experience as a pharmacist and real estate investor with a variety of property and deal types. Jared explains how to get started in real estate, how to know when you are ready for your first deal, and some foundational education for those who are just getting ready to get started in real estate investing. Mentioned on the Show Bigger Pockets YFP Real Estate Investing 01: Intersection Between Financial Planning and Real Estate YFP 111: H...2021-04-2441 min

Your Financial PharmacistYFP Real Estate Investing 01: Intersection Between Financial Planning and Real EstateWelcome to the YFP Real Estate Investing Podcast! On this episode, hosts Nate Hedrick and David Bright welcome Your Financial Pharmacist co-founders, Tim Ulbrich and Tim Baker to the podcast to discuss what Your Financial Pharmacist is and does, how the financial plan and real estate can work together, at what point a pharmacist might consider getting into real estate investing, and ways to make real estate work for busy pharmacists who are dedicated to their careers. Mentioned on the Show The Your Financial Pharmacist Podcast Your Financial Pharmacist Your Financial Pharmacist Blog Join the YFP...2021-04-1742 min

Your Financial PharmacistYFP Real Estate Investing TrailerWelcome to the YFP Real Estate Investing Podcast! On this trailer, you'll meet hosts Nate Hedrick, the Real Estate RPh, and David Bright. Nate and David share a quick introduction of themselves, the mission and why behind the YFP Real Estate Investing Podcast, and what to expect on upcoming episodes. Mentioned on the Show Real Estate RPh YFP 040: 10 Things Every Pharmacist Should Know About Home Buying (Part 1) YFP 041: 10 Things Every Pharmacist Should Know About Home Buying (Part 2) YFP 064: 6 Steps to Home Buying (Part 1) YFP 065: 6 Steps to Home Buying (Part 2) YFP 067: Rapid Fire Home Buying Q&A Y...2021-04-1612 min

Your Financial PharmacistYFP 186: The Picture Perfect Side HustleOn this episode sponsored by Live Oak Bank, pharmacist and photographer Landen Conner shares how he turned his side hustle into his main gig, why and how he started his photography business, how he found his niche, and the mechanics of his business. Mentioned on the Show Live Oak Bank: Loans and Financial Solutions for Pharmacies Join the YFP Facebook Group YNAB. Your Best Year Ever by Michael Hyatt Side Hustle to Main Gig: Landen Conner used his experience and cash from a pharmacy job to create a photography business Christian Chamber of Commerce Connect with...2021-01-1429 min

Your Financial PharmacistHappy Thanksgiving from YFPHappy Thanksgiving from the team at Your Financial Pharmacist! 2020-11-2605 min

Your Financial PharmacistYFP 177: New Book: Baker’s Dirty Dozen: Principles for Financial IndependenceJoe Baker, author of the newly released book Baker’s Dirty Dozen: Principles for Financial Independence, joins Tim Ulbrich on the show. Joe talks about several of the principles outlined in the book, why he wrote the book and what he hopes the reader will glean from applying its principles. Mentioned on the Show Baker’s Dirty Dozen: Principles for Financial Independence by Joe Baker, MBA with Lindsey Jordan Baker YFP 082: Debt Free Theme Hour with the Teacher & Pupil FinCon Ramit Sethi I Will Teach You to Be Rich: No Guilt. No Excuses. No BS. Just a 6 Wee...2020-11-0530 min

Your Financial PharmacistYFP 176: How Stephanie Got $72,000 Forgiven Through TEPSLFStephanie Hale shares her journey applying for and receiving Public Service Loan Forgiveness (PSLF). Mentioned on the Show The Pharmacist’s Guide to Conquering Student Loans by Tim Church Join the YFP Facebook Group FedLoan Servicing Ask a YFP CFP #36: If I’ve been under the wrong repayment plan, can I apply for Temporary Expanded Public Service Loan Forgiveness (TEPSLF)? YFP 018: Maximizing the Benefits of Public Service Loan Forgiveness (PSLF) YFP 078: Is Pursuing the Public Service Loan Forgiveness Program a Waste? College Cost Reduction and Access Act of 2007 Temporary Expanded Public Service Loan Forgiveness (TEPSLF) Email TEPS...2020-10-2930 min

Your Financial PharmacistYFP 169: Helpful Tips for Getting a MortgageTony Umholtz, a Mortgage Manager at IberiaBank, shares helpful tips for getting a mortgage and what you need to know when financing a home purchase or refinancing your home. Tony also breaks down the difference between pre-approvals and pre-qualifications, how interest rates are calculated, different types of home loans and everything you need to know about escrow accounts. Mentioned on the Show 5 Steps to Getting a Home Loan Apply for the Pharmacist Home Loan with IberiaBank YFP 136: The Ins and Outs of a Pharmacist Home Loan YFP 154: Getting a Home Loan in a Pandemic Zillow Redfin...2020-09-1037 min

Your Financial PharmacistYFP 168: How Blake and Zac Analyze Real Estate DealsBlake Johnson and Zac Hendricks talk about how they joined forces to build a successful real estate portfolio and investment strategy. They talk about their individual roles when investing in properties, the make-up of their current portfolio, and why they chose to focus on real estate investing. Blake and Zac lay out all the secrets on how to analyze real estate deals and break down the numbers on two of their own investment properties. Mentioned on the Show PolicyGenius: Shop for Life and Disability Insurance YFP 082: Debt Free Theme Hour with the Teacher and the Pupil...2020-09-0339 min

Your Financial PharmacistYFP 167: Must Know Real Estate TerminologyDavid Bright, a pharmacist, pharmacy educator and real estate investor talks about why he views real estate investing as an important part of his financial plan, how he got started in real estate investing, and key real estate investing terms and concepts. Mentioned on the Show Compare Multiple Lenders and Refinance Your Mortgage with Credible BiggerPockets BiggerPockets Real Estate Investing Calculators Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money that the Poor and Middle Class Do Not by Robert Kiyosaki BiggerPockets Podcast The Millionaire Real Estate Investor by Gary Keller, Dave Jenks an...2020-08-2545 min

Your Financial PharmacistYFP 164: The Pros and Cons of Paying Cash for a CarTim Ulbrich and Tim Church debate the pros and cons of paying cash versus financing a car purchase. Mentioned on the Show Take the Financial Fitness Test My Top 10 Financial Mistakes YFP 047: Best Practices for Buying a Car Edmunds.com Kelley Blue Book True Car Ramit Sethi Dave Ramsey Robert Kiyosaki YFP Planning Book a Free Discovery Call With One of YFP’s CERTIFIED FINANCIAL PLANNERS™2020-08-0639 min

Your Financial PharmacistAsk a YFP CFP® #30: What are my options for private short-term disability insurance?Ask a YFP CFP® #30: What are my options for private short-term disability insurance? Welcome to Ask a YFP CFP®, a segment of the Your Financial Pharmacist Podcast! On today's show Robert Lopez, CFP®, takes this question from Christine: What are my options for private short-term disability insurance? Mentioned on the Show: YFP Planning Get a Life or Disability Insurance Quote in 2 Minutes Send in your questions here or to info@yourfinancialpharmacist.com Disclaimer: This podcast is intended for educational purposes and should not be considered financial or investment advice as we do not know all...2020-08-0208 min

Your Financial PharmacistYFP 163: Investing Beyond the 401k/403bTim Ulbrich and Tim Baker talk about investing beyond the 401k or 403b and break down the traditional IRA, Roth IRA, HSA, SEP IRA and taxable/brokerage accounts and discuss their contribution limits, how to appropriately use them and the advantages and disadvantages of each. Mentioned on the Show Join APhA- Get 25% Off Your Membership with Code: YFP2020 YFP Planning Seven Figure Pharmacist by Tim Church, PharmD and Tim Ulbrich, PharmD YFP 072: Investing Mind Tricks: How Behavioral Bias Affects Our Decisions YFP 073: How to Determine the Priority of Investing YFP 074: Evaluating Your 401k Plan YFP 075: DIY, Rob...2020-07-3055 min

Your Financial PharmacistAsk a YFP CFP® #29: Do I make too much to contribute directly to a Roth IRA?Welcome to Ask a YFP CFP®, a segment of the Your Financial Pharmacist Podcast! On today's show Robert Lopez, CFP®, takes this question from Kaitlin in Columbus, Ohio: Do I make too much to contribute directly to a Roth IRA? Mentioned on the Show: YFP Planning YFP 096: How to Do a Backdoor Roth IRA Why Most Pharmacists Should Do a Backdoor Roth IRA Send in your questions here or to info@yourfinancialpharmacist.com Disclaimer: This podcast is intended for educational purposes and should not be considered financial or investment advice as we do not know all the...2020-07-2609 min

Your Financial PharmacistYFP 162: Credit 101Tim Ulbrich and Tim Baker, CFP® dig into credit, a not so exciting but incredibly important part of the financial plan. They talk about what makes up a credit score, the impact of good (or poor) credit, how to find and interpret your credit score, the difference between hard vs soft credit checks and how to protect your credit. Mentioned on the Show YFP Planning AnnualCreditReport.com YFP 159: 5 Lessons Learned During a Home Refinance Join the YFP Facebook Group 2020-07-2340 min

Your Financial PharmacistYFP 160: Navigating the Home Buying Process Through the YFP Concierge ServiceOn this week's episode, sponsored by HPSO, Nate Hedrick, The Real Estate RPH, interviews two pharmacists, Shelby Bennett and Bryce Platt, about their home buying experience. Shelby and Bryce recently worked with Nate via the YFP Real Estate Concierge Service to craft a plan and connect with a local preferred agent to buy their first homes. Mentioned on the Show Get Professional Liability Insurance with HPSO Nate Hedrick, The Real Estate RPH YFP Real Estate Concierge Service FIrst Time Homebuying Guide YFP Planning IberiaBank YFP 130: House Hacking Your Way to Financial Freedom w/ Craig Curelop BiggerPockets T...2020-07-0955 min

Your Financial PharmacistYFP 158: How Building a Platform Can Unlock OpportunitiesMike Corvino, clinical pharmacist and creator of CorConsult Rx, joins Tim Church on this week’s podcast episode to share his unique journey in pharmacy, how he built his side hustle, and how he’s persevered through challenges along the way. Mentioned on the Show PolicyGenius - Shop for Life and Disability Insurance CorConsult Rx on Instagram CorConsult Rx Podcast RxRadio The ONE Thing: The Surprisingly Simple Truth Behind Extraordinary Results by Gary Keller Email Mike Corvino: mcorvino@corconsultrx.com CorConsult Rx CorConsult Rx on Facebook CorConsult Rx on LinkedIn CorConsult Rx on YouTube CorConsult Rx on Twi...2020-06-2556 min

Your Financial PharmacistYFP 156: Should You Refinance Your Student Loans Right Now?Tim Church, YFP student loan guru, talks about all things student loan refinancing. Tim discusses what refinancing is, how it differs from consolidation, the benefits, the potential drawbacks, what to look for when choosing a company, and whether or not borrowers should refinance while the CARES Act is in place. Mentioned on the Show The Pharmacist’s Guide to Conquering Student Loans by Tim Church, PharmD YFP 149: Crushing $400k of Debt in 5 Years YFP 150: New Book: The Pharmacist’s Guide to Conquering Student Loans YFP 146: COVID-19 Financial Considerations YFP 153: COVID-19 & Student Loans: What’s Next? YFP Facebo...2020-06-1037 min

Your Financial PharmacistYFP 154: Getting a Home Loan in a PandemicTony Umholtz, a Mortgage Manager for IberiaBank, discusses the impact COVID-19 is having on the housing market, the current landscape for those purchasing or refinancing a home, and the role of the Professional Loan Program (aka the Doctor’s Loan). Mentioned on the Show 5 Steps to Getting a Home Loan Apply for Pharmacist Home Loan with IberiaBank YFP 136: The Ins and Outs of a Pharmacist Home Loan w/ Tony Umholtz YFP Facebook Group Nate Hedrick, The Real Estate RPH 2020-05-2834 min

Your Financial PharmacistYFP 145: How Samm Built DocStation to Increase Value-Based CareSamm Anderegg is on a mission to fix healthcare through his company DocStation. DocStation a software platform for healthcare teams, enabling pharmacists to provide value-based care to patients. Samm talks about his shift from a traditional career path to starting his own company and how his work with DocStation aligns with his vision for the future of pharmacy practice. Mentioned on the Show Refinance Your Student Loans DocStation The Pitch Techstars PillPack Ohio Pharmacists Association Crossing the Chasm: Marketing and Selling High-Tech Products to Mainstream Customers by Geoffrey A. Moore and Regis McKenna Behind the Cloud: T...2020-03-2648 min

Your Financial PharmacistYFP 144: How Two Pharmacists Paid Off $214k of Student Loans in 17 MonthsLevi Ellison, PharmD, shares how he and his wife paid off $214,594.55 of student loans over 17 months. Levi talks about the motivations behind such an aggressive repayment strategy, how they were able to do it and what they hope to accomplish now that they are debt free. Mentioned on the Show PolicyGenius Total Money Makeover by Dave Ramsey EveryDollar I Will Teach You to Be Rich by Ramit Sethi Compass Money Map Financial Peace University 2020-03-2031 min

Your Financial PharmacistYFP 143: How Using Your Creativity Can Spark a Six-Figure BusinessStephanie Roberts, PharmD joins Tim Church to share how she went from full-time pharmacist to full-time mixed media artist after an Instagram influencer shared her pill petri art and made it go viral. Mentioned on the Show Credible Mortgage Refinance Art by Stephanie on Instagram Win Stephanie’s Art: Your Financial Pharmacist on Instagram Eli Lilly Justin Gaffrey Things I Bought and Liked 2020-03-1256 min

Your Financial PharmacistYFP 137: How to Monetize Your Clinical ExpertiseDiana Isaacs joins Tim Church on this side hustle edition to talk about her journey in becoming an expert in diabetes and how she has been able to monetize her clinical expertise through speaking engagements, advisory boards, consulting projects and CE articles. Mentioned on the Show Refinance Your Student Loans AADE (American Association of Diabetes Educators) American Diabetes Association Outliers: The Story of Success by Malcolm Gladwell Pharmacy Times Power-Pak CE Email Diana Isaacs: dianamisaacs@gmail.com Follow Diana on Twitter 2020-01-3035 min

Your Financial PharmacistYFP 135: How Jessica Applied KonMari Principles to Jumpstart Her Financial PlanDr. Jessica Louie shares about her journey being trained as a critical care pharmacist, how she quickly found herself burned out, how the KonMari method helped her and how she applied the KonMari method to her financial plan on this week's podcast. These small intentional daily steps led to big changes in her financial plan including being completely debt free and having over 6 figures in savings. Mentioned on the Show YFP Planning YFP 086:How to Spark Joy as an Entrepreneur w/ Jessica Louie Clarify Simplify Align The Burnout Doctor Podcast Tidying Up with Marie Kondo on N...2020-01-1634 min

Your Financial PharmacistYFP 132: 2019 Financial Wins from the YFP CommunityHappy Holidays from the YFP team! As we near the end of 2019, it’s important to celebrate the wins, big or small, that we’ve had over the past year. Take a listen to several YFP community members sharing their 2019 financial wins on this week’s episode. Mentioned on the Show Policygenius YFP Facebook Page YFP Facebook Group Ask YFP a Question 2019-12-2611 min

Your Financial PharmacistYFP 131: Secrets to Building a Successful Side HustleEric Christianson joins Tim Church to talk about his business, Med Ed 101. Eric discusses his why behind beginning his side hustle, how it allowed him to drop down to part-time from his traditional pharmacist role and how it helped him accelerate his financial goals. Mentioned on the Show YFP Planning MedEd 101 BCPS Study Material Pharmacotherapy: Improving Medical Education Through Clinical Pharmacy Pearls, Case Studies and Common Sense by Eric Christianson Tony Guerra Failing Forward: Turning Mistakes Into Stepping Stones for Success by John Maxwell Entrepreneurs On Fire Contact Eric on LinkedIn 2019-12-1942 min

Your Financial PharmacistYFP 130: House Hacking Your Way to Financial FreedomCraig Curelop is the author of The House Hacking Strategy and is a real estate agent, investor, and employee of BiggerPockets. Craig talks all things house hacking including what it is, how he got started with house hacking and why he claims it is the single most powerful way to build wealth. Mentioned on the Show Refinance Student Loans The House Hacking Strategy: How to Use Your Home to Achieve Financial Freedom by Craig Curelop BiggerPockets BiggerPockets Money Podcast ChooseFI The Side Hustle Show Podcast The Best Ever Real Estate Investing Advice Podcast YFP 129: How One...2019-12-1231 min

Your Financial PharmacistYFP 126: Going Beyond Six Figures Through Medical WritingBrittany Hoffmann-Eubanks, Founder and CEO of Banner Medical, joins Tim Church to share her side hustle journey in creating a company that’s on track to hit over $100,000 in revenue and what she did to get to this point. Mentioned on the Show Policygenius YFP 116: Transforming Your Life and Career Through Networking w/ David Burkus Friend of a Friend: Understanding the Hidden Networks that can Transform Your Life and Your Career by David Burkus Alex Barker, The Happy PharmD Banner Medical Writing LinkedIn Brittany Hoffmann-Eubanks on LinkedIn Email Brittany Hoffmann-Eubanks: bheubanks@bannermedicalwriting.com 2019-11-1446 min

Your Financial PharmacistYFP 123: Leveraging Your Expertise to Start a Side HustleDustin & Melody Hartzler talk about their healthcare side hustles, how these ventures have accelerated their financial goals, how they balance and prioritize their time, and how they work together as a couple when it comes to business and managing their personal finances. Mentioned on the Show APhA - Use coupon code A19YFP for 20% off your membership! Your Financial Pharmacist Giveaway Functional Medicine Continuing Education Virtual Symposium - Use coupon code YFP for 10% off! Dave Ramsey Show CE Impact FMPhA Institute for Functional Medicine A4M WordPress YFP Community Tribes: We Need You to Lead Us b...2019-10-2455 min

Your Financial PharmacistYFP 121: Creating Another Stream of Income as an Airbnb HostTim Church interviews Dr. Hillary Blackburn about how she’s monetizing her personal residence as an Airbnb host. Hillary has been able to earn thousands of dollars each year making this side hustle another consistent income stream for her and her husband. Mentioned on the Show APhA - Use the coupon code A19YFP for 20% off your membership! YFP 101: How to Get Started with Podcasting w/ Hillary Blackburn Talk to Your Pharmacist Podcast Natural Products Resource Center Pharmacy Residency Bootcamp Airbnb Talking to Strangers: What We Should Know About the People We Don’t Know by Malcolm...2019-10-1038 min

Your Financial PharmacistYFP 115: Financial Considerations for Job Loss or Reduced HoursOn this week’s episode, Tim Ulbrich and Tim Baker talk through financial considerations for those that find themselves in a financial hardship due to job loss, hours being cut or wages being reduced. With the recent news of some big box pharmacies planning to close stores and cut their workforce and many other employers cutting back hours for full-time pharmacy employees, this conversation of how to navigate a current hardship or be ready to weather a future storm is more important than ever. Mentioned on the Show Refinance Your Student Loans RxRadio RxRadio: Pharmacy’s Podc...2019-08-2951 min

Your Financial PharmacistYFP 105: How Jamie Leigh Tipton Started a Compounding PharmacyJamie Leigh Tipton, a new practitioner from North Carolina and owner of Tipton Compounding Pharmacy, shares her journey of starting her own business and the importance of building a strong financial foundation to be able to do so. Jamie Leigh’s mom, Janet, also joins the show to talk about her involvement in the family business, how she helped Jamie Leigh graduate debt free and why she has encouraged Jamie Leigh to start her own business. Mentioned on the Show YFP Planning Professional Compounding Centers of America (PCCA) National Community Pharmacists Association (NCPA) YFP Facebook Group Ti...2019-06-1933 min

Your Financial PharmacistYFP 101: How to Get Started with PodcastingDr. Hillary Blackburn joins Tim Church on this week’s episode to talk about her unique pharmacy career at Dispensary of Hope, her side hustles, and how she started the Talk to Your Pharmacist Podcast. Mentioned on the Show: Refinance Student Loans Talk to Your Pharmacist Podcast APhA Dispensary of Hope Entrepreneurs on Fire Podcast w/ John Lee Dumas How I Built This Podcast w/ Guy Raz Ted Talks Masters of Scale w/ Reid Hoffman The Science of Success Podcast w/ Matthew Bodnar Health:Further Talk to Your Pharmacist Instagram Residency Bootcamp The ONE Thing: The Surprisingly Simple Tr...2019-05-2339 min

Your Financial PharmacistYFP 100: Celebrating 100 Episodes of the YFP Podcast!Tim, Tim and Tim celebrate 100 episodes of the Your Financial Pharmacist podcast by reminiscing about their favorites, talking about the future of the podcast, and hearing updates from several guests and pharmacy entrepreneurs that were previous guests on the podcast. Mentioned on the Show YFP Facebook Group YFP 057: The Power of Automating Your Financial Plan YFP 073: How to Determine the Priority of Investing YFP 059: Life After Debt Free...Now What? w/ Adam & Brittany Patterson YFP 031: One Pharmacist’s Journey to Paying off $211,000 in 26 Months w/ Adam Patterson YFP Planning The Happy PharmD YFP 060: One New Practitioner’s Le...2019-05-1639 min

Your Financial PharmacistYFP 097: Growing a Brand Through Memes, Products, and a PodcastRichard Waithe, PharmD, joins Tim Church to take a deep dive into discussing his unique career path, his non-traditional pharmacist role and how he’s helping improve patient adherence and health literacy, and some of his side hustles to create multiple streams of income. Mentioned on the Show: Refinance Student Loans RxRadio Instagram VUCA Health RxRadio Podcast First Time Pharmacist: Everything you didn’t learn in school or on-the-job training. By Richard Waithe Richard Waithe on Instagram Richard Waithe on LinkedIn Richard Waithe on Facebook Richard Waithe on Twitter Richard Waithe on Reddit Email Richard: richard@vuca...2019-04-2533 min

Your Financial PharmacistYFP 092: Creating an Indispensable Pharmacy CareerOn this episode of the Your Financial Pharmacist podcast, Tim Church welcomes Alex Barker back to the show to share some of the highlights of his recent career transition out of pharmacy practice, some tips for pharmacists who are struggling in their careers, and the release of his new book Indispensable: The Prescription for a Fulfilling Pharmacy Career. Mentioned on the Show Enter the Indispensable Giveaway: Leave an iTunes review and send a screenshot of it to info@yourfinancialpharmacist.com by March 24, 2019 YFP 038: The Happy PharmD’s Journey to Becoming Debt Free YFP 007: Maximizing Your Income The...2019-03-2137 min

Your Financial PharmacistYFP 088: Introducing YFP Planning!On this episode of the Your Financial Pharmacist Podcast, YFP Co-founders Tim Ulbrich and Tim Baker announce some exciting news as it relates to the launch of YFP Planning, talk through the benefits of financial planning and reminisce on the origins of Your Financial Pharmacist. Mentioned on the Show YFP Planning YFP Tax Prep and Planning Your Financial Pharmacist YFP Resources YFP Student Loan Refinance Calculator YFP 015: Financial Planning Series Interview with Tim Baker: Part 1 YFP 016: Financial Planning Series Benefits of a Financial Planner: Part 2 YFP 017: Financial Planning Series Questions to Ask - Hiring a Planner: P...2019-02-1939 min

Your Financial PharmacistYFP 086: How to Spark Joy as an EntrepreneurOn this episode of the Your Financial Pharmacist podcast, Tim Church, YFP team member, interviews Dr. Jessica Louie about how to spark joy as an entrepreneur. Jessica is a Board-Certified Critical Care Pharmacist and Assistant Professor of Pharmacy Practice. She is also a multi-passionate entrepreneur with 3 small businesses. Jessica is the CEO of Clarify Simplify Align, High Performance Life Coach, Professional Organizer and Certified KonMari Consultant. Mentioned on the Show: YFP Giveaway: Tax Preparation and Filing Services Petite Style Script Like to Know It Rewards Style Simon Sinek Clarify Simplify Align KonMari Method The Life-Changing Magic of...2019-02-0751 min

Your Financial PharmacistYFP 083: You Know Where the Weight Room Is?: TJ’s Rise to Becoming an EntrepreneurOn this episode of the Your Financial Pharmacist podcast, Tim Church leads another edition of the Side Hustle Series where he talks about ways you can create additional streams of income to reach your financial goals faster. This episode features Dr. TJ Allan, a pharmacist and entrepreneur who owns three gyms and is now teaching others how to open their own gym. Mentioned on the Show LendKey YFP 081: New Year Financial Game Plan Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money - That the Poor and Middle Class Do Not! by Robert...2019-01-1756 min

Your Financial PharmacistYFP 071: Ask Tim & TimOn Episode 71 of the Your Financial Pharmacist Podcast, Tim Ulbrich, Founder of YFP, and Tim Baker, YFP Team Member and Founder of Script Financial, tackle 10 listener questions that were posed in the YFP Facebook Group covering a wide array of topics like investing, student loans, taxes, and more. Mentioned on the Show CommonBond YFP Facebook Group Have a question about investing? Ask us! YFP Episode 70: Pre-Planning for Tax Season with Paul Eikenburg Nate Hedrick, Real Estate RPH YFP Episode 69: Carissa Explains It All: How One Pharmacist is Accelerating Her Financial Goals Through Rodan & Fields YFP Episode 63: I...2018-10-2543 min

Your Financial PharmacistYFP 069: Carissa Explains It All: How One Pharmacist is Accelerating Her Financial Goals Through Rodan & FieldsOn Episode 069 of the Your Financial Pharmacist Podcast, Tim Church, YFP Team Member, hosts another edition of the Side Hustle Series featuring an interview with Dr. Crissy Mahl, a pharmacist and entrepreneur from Yuma, Arizona. Crissy talks about her pharmacy career path and how she became interested in entrepreneurship. She started working for Rodan and Fields and has created a significant side income. Mentioned on the Show Splash Financial Rodan and Fields The ONE Thing: The Surprisingly Simple Truth Behind Extraordinary Results by Gary Keller and Jay Papasan Contact Dr. Crissy Mahl 2018-10-1157 min

Your Financial PharmacistYFP 061: Rapid Fire Insurance Q&A w/ Tim, Tim & TimOn Episode 061 of the Your Financial Pharmacist Podcast, Tim Ulbrich, Founder of YFP, is joined by YFP team members Tim Church & Tim Baker to field insurance questions posed by the YFP community via the YFP Facebook Group in a rapid fire format. Whether it’s life, disability or liability insurance, having the right amount, not too much and not too little of insurance protection is essential to your financial plan. Mentioned on the Show Policy Genius YFP Episode 056: Rapid Fire Student Loan Q&A with Tim, Tim & Tim YFP Episode 044: How to Determine Your Life Insurance Ne...2018-08-1633 min

Your Financial PharmacistYFP 056: Rapid Fire Student Loan Q&A w/ Tim, Tim & TimOn Episode 056 of the Your Financial Pharmacist Podcast, I put Tim Church and Tim Baker on the spot with your student loan questions in a rapid fire format. If you are looking to get started with a game plan to tackle your own student loans, check out our free Student Loan Quick Start Guide at yourfinancialpharmacist.com/studentloanguide...again that’s yourfinancialpharmacist.com/studentloanguide Mentioned on the Show YFP Student Loan Quickstart Guide Real Estate RPH YFP Facebook Group YFP Email YFP Episode 026: Baby Stepping Your Financial Plan - The 2 Things to Focus On First YFP St...2018-07-1227 min

Your Financial PharmacistYFP 049: Ask Tim & Tim Theme Hour (Pay Off the Home Early or Invest?)On this Ask Tim & Tim episode of the Your Financial Pharmacist Podcast, we take a listener question from Michael in Columbus, OH that has stimulated lots of conversation and debate in the YFP Facebook Group…’should I pay off my house early or would I be better off refinancing, extending the term and investing the difference?’ If you have a question you would like to have featured on the show, shoot us an email at info@yourfinancialpharmacist.com Mentioned on the Show YFP Episode 015 - West Point to CFP: Tim Baker’s Journey to Becoming...2018-05-2539 min

Your Financial PharmacistYFP 048: Mo Money Mo Problems: Making the Financial Transition to New Practitioner LifeOn Episode 48 of the Your Financial Pharmacist Podcast we spotlight Dalton Fabian, a soon to be pharmacy graduate from the Drake University College of Pharmacy & Health Sciences. We ask Dalton about his current financial situation and help him think through how he and his wife can prioritize multiple competing financial priorities when making the transition from student to new practitioner. About Our Guest Dalton Fabian is a soon to be 2018 graduate of Drake University College of Pharmacy & Health Sciences. In addition to obtaining a PharmD, Dalton has a minor in Data Analytics. His career interests...2018-05-1940 min

Your Financial PharmacistYFP 043: Ask Tim & Tim Theme Hour (Investing 101)On this Ask Tim & Tim episode of the Your Financial Pharmacist Podcast, we take three YFP community member questions about investing. We discuss investment terminology, considerations for choosing investments, where non-retirement accounts come into play and the pros/cons of target date funds. If you have a question you would like to have featured on the show, shoot us an e-mail at info@yourfinancialpharmacist.com Mentioned on the Show Interested in becoming a beta tester for the YFP Student Loan Online Course? Sign up using coupon code LOANRX at https://courses.yourfinancialpharmacist.com/ YFP E...2018-04-1249 min

Your Financial PharmacistYFP 042: Ask Tim & Tim Theme Hour (Student Loans)On this Ask Tim & Tim episode of the Your Financial Pharmacist Podcast, we take two YFP community member questions about student loans. We discuss strategies for managing student loans during residency and how soon to refinance or consolidate student loans after graduation. If you have a question you would like to have featured on the show, shoot us an e-mail at info@yourfinancialpharmacist.com Mentioned on the Show YFP Episode 014: Turning Student Debt Frustration Into Action (Debt Free Theme Hour w/ Derek Schwartz, PharmD) Interested in learning more about becoming a beta tester for...2018-04-0541 min

Your Financial PharmacistYFP 036: A Pharmacist Couple Working to Row Their Financial Boat in the Same DirectionOn this episode of the Your Financial Pharmacist podcast, we finish our month long focus on how couples work together on their finances. In Episode 36, we speak with Andria and Tim Church who share their story about how they first met and how their approach to their finances evolved over the course of their relationship. Andria and Tim share their wins and their struggles and impart valuable advice to other pharmacists and couples that are working together on their finances. Featured on the Show How Tim Church used Andria’s interest in primary care to...2018-02-2239 min

Your Financial PharmacistYFP 032: Find Your Why (Part 1) - 3 Life Planning Questions with Tim & Jess UlbrichIn Part 1 of this two-part series on Finding Your Why, Tim Baker, CFP, interviews YFP Founder Tim Ulbrich and his wife, Jess Ulbrich, by asking them three life planning questions that challenge them to uncover their beliefs about money, their long-term financial goals and ultimately, why they want to achieve financial freedom. In this two-part series, Tim & Jess Ulbrich invite the listeners into their Find Your Why client meeting with Tim Baker, CFP. Featured on the Show Don’t Waste Your Life by John Piper Radical by David Platt 3 Questions That Can Provide a Sp...2018-02-0237 min

Your Financial PharmacistYFP 027: Tim, Tim & Tim Recap the Best of 2017 & What's Ahead for 2018On this episode of the Your Financial Pharmacist Podcast, we recap the best of the best from 2017 and discuss what the YFP team has planned for 2018. YFP End of Year Giveaway The team at YFP is excited to be launching an end of the year giveaway. We are giving away 3 prize backs valued at over $500 each. You can enter the contest by clicking on the image below or by going to www.yourfinancialpharmacist.com/2017-giveaway. Entries will be accepted through 12/31/17 and three winners will be selected on/around 1/1/18. Featured on...2017-12-2938 min

Your Financial PharmacistYFP 019: How do Health Savings Accounts (HSA) Fit Into a Financial Plan? On Episode 19 of the Your Financial Pharmacist Podcast, we feature a listener question on an Ask Tim & Tim segment of the show. Keith from Ohio asks a question about the utility of a Health Savings Account (HSA) as a long-term investment strategy. Submit Your Question Do you have a financial question that we can feature on an upcoming Ask Tim & Tim segment of the show? Head on over to www.yourfinancialpharmacist.com or e-mail us at info@yourfinancialpharmacist.com to submit your question today! Join the YFP Community! I Want In! Recent Posts [pt_view id="f651872qnv 2017-11-0236 min

Your Financial PharmacistYFP 018: Maximizing the Benefits of Public Service Loan Forgiveness (PSLF) On Episode 18 of the Your Financial Pharmacist Podcast, we welcome back to the show YFP team member and co-author of Seven Figure Pharmacist, Tim Church, PharmD, BCACP, CDE. On this episode, we talk about qualifying criteria, pros/cons and how to maximize benefits associated with the Public Service Loan Forgiveness (PSLF) Program. Episode 018 Special Giveaway Along with this episode, we are providing a PSLF Checklist to ensure you are ready to go in determining eligibility criteria, where to submit required forms, and how to maximize forgiveness. Specifically, you will learn: Information about PSLF eligible lo...2017-10-2630 min

Your Financial PharmacistYFP 015: West Point to CFP: Tim Baker’s Journey to Becoming a Fee-Only Financial Planner for PharmacistsOn Episode 015 of the Your Financial Pharmacist Podcast, we kick off a 3-part series exploring the good, bad and ugly of the financial planning industry by interviewing the owner of Script Financial and YFP team member, Tim Baker, CERTIFIED FINANCIAL PLANNER. Episode 015 Special Giveaway Along with this three-part series, the team at YFP has prepared an awesome giveaway that will give you the “Nuts & Bolts to Hiring a Financial Planner”. Head on over to www.yourfinancialpharmacist.com/nutsandbolts to get your copy today! In this giveaway, we cover: the benefits of hiring a financial planner; the different types of financial plann...2017-10-0632 min

Your Financial PharmacistYFP 013: Getting Organized With Your Student Loans (Part 2)On Episode 013 of the Your Financial Pharmacist Podcast, we finish off our 2-part discussion of getting organized with your student loans as Tim Church rejoins Tim Baker as co-host. Tim and Tim dive deeper into the 4 strategies to pay off your student loans and discuss the associated repayment plans to consider. Tim and Tim also discuss refinancing and consolidation options and tackle the question of investing versus paying down debt. What You’ll Learn From This Episode The 4 strategies to take to pay off student loans The difference between refinancing and consolidation Investing versus paying off debt Featured on the Sh...2017-09-2133 min

Your Financial PharmacistYFP 012: Getting Organized With Your Student Loans (Part 1)On Episode 012 of the Your Financial Pharmacist Podcast, we change things up a bit as Tim Church joins Tim Baker in the co-host chair. On this 2-part episode we dive a little deeper into how student loans affect pharmacists, we discuss how to properly inventory your student loans, why finding your why is so important and 4 strategies to pay off your loans. What You’ll Learn From This Episode YFP team’s approach to student loans How to take a proper inventory of your loans Why your Why is so important Overview of the 4 strategies of paying off your loans Featu...2017-09-1421 min

Your Financial PharmacistYFP 010: Is Whole Life Insurance a Good Investment Strategy for College Savings?Episode 010 Podcast Show Notes What You’ll Learn From This Episode In Episode 010 of the Your Financial Pharmacist Podcast, we take our very first question on the Ask Tim & Tim segment of the show. Leighanne from Pennsylvania asks a question about whole life insurance as a strategy for building wealth and saving for college. Here is Leighanne's question: What do you think about whole life insurance adding to our financial portfolio as a way to build capital and save for the kids' college? Submit Your Question Now that we have our first episode of the Ask Tim...2017-08-3131 min

Your Financial PharmacistYFP 008: Developing a Millionaire Mindset (Interview with Tim Church, PharmD, BCACP, CDE)Episode 008 Podcast Show Notes What You’ll Learn From This Episode In Episode 008, we interview Tim Church, PharmD, BCACP, CDE to discuss: the lessons he learned going into over $200,000 of debt; his work behind co-authoring the book Seven Figure Pharmacist, How to Maximize Your Income, Eliminate Debt and Create Wealth; how pharmacists and pharmacy students can build a millionaire mindset. Featured on the Show Seven Figure Pharmacist: How to Maximize Your Income, Eliminate Debt and Create Wealth by Tim Church, PharmD, BCACP, CDE and Tim Ulbrich, PharmD Total Money Makeover by Dave Rams...2017-08-1626 min