Shows
Your Financial PharmacistYFP 422: Common HSA Mistakes and How to Avoid ThemHealth Savings Accounts (HSAs) are a modest but mighty tool for healthcare and retirement planning with a rare triple-tax advantage. Tim Ulbrich and Tim Baker share 2025 limits, key benefits, and common mistakes pharmacists make. This episode is brought to you by First Horizon. Mentioned on the Show First Horizon's Pharmacist Home Loan YFP Blog: Why I'm Not Using My Health Savings Account to Pay for Medical Expenses YFP 165: The power of a Health Savings Account Reference: Investment News Barron's YFP 124: The Behavioral Investor with Dr. Daniel Crosby Your Financial Pharmacist Your Financial Pharmacist on...
2025-09-1142 min
Your Financial PharmacistYFP 421: Whole Life Insurance: Do You Need It?Tim Ulbrich and Tim Baker tackle one of the most common questions we hear from pharmacists: "Do I need this whole life insurance policy?" They dive into who needs coverage, common misconceptions, and why the "buy term and invest the difference" strategy may be the smarter approach. This episode is brought to you by APhA. Episode Summary YFP Co-Founder & CEO, Tim Ulbrich, PharmD, and YFP Co-Founder & COO, Tim Baker, CFP®, RLP®, RICP®, tackle one of the most common questions we hear from pharmacists: "Do I need this whole life insurance policy?" We'v...
2025-09-0441 min
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. I...
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 Pharmacist...
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 Flynn F...
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 Follow I...
2022-12-2231 min
Your Financial PharmacistYFP Real Estate Investing 79: Managing Multiple Market OpinionsJim Carmichael, a commercial real estate broker, entrepreneur, and podcaster, joins Nate Hedrick and David Bright to discuss common fears about the current real estate market, predictions for the next six months, and considerations for current investors or those contemplating investing. Links Mentioned in Today's Episode Wall Street: U.S. housing market to see the second-biggest home price decline since the Great Depression YFP Real Estate Investing YFP Real Estate Concierge Service YFP Real Estate Investing 62: Revisiting Fundamentals in a Changing Real Estate Market Join the YFP Real Estate Investing Facebook Group Your Financial Pharmacist Disclaimer a...
2022-10-1537 min
Your Financial PharmacistYFP Real Estate Investing 78: Investing in Real Estate with Limited CashNate Hedrick, PharmD, and David Bright, PharmD, MBA, BCACP, FAPhA, FCCP, dive into three strategies for getting started in real estate investing with limited cash. Links Mentioned in Today's Episode YFP Real Estate Investing 53: Understanding and Vetting Syndications with Senate Eskridge Join the YFP Real Estate Investing Facebook Group YFP Real Estate Investing 10: Getting Started Through House Hacking YFP Real Estate Investing Your Financial Pharmacist Disclaimer and Disclosures
2022-10-0829 min
Your Financial PharmacistYFP 276: Why Giving, Philanthropy, and Serving Are Core Parts of This Pharmacist's Financial PlanSarah Adkins, PharmD, discusses how and why she started a non-profit pharmacy, why giving and philanthropy are a core piece of her financial plan, and how pharmacists can get involved using their expertise to help others. Links Mentioned in Today's Episode YFP Planning: Financial Planning for Pharmacists Schedule a free Discovery Call with YFP Planning Happy Money: The Science of Happier Spending by Elizabeth Dunn & Michael Norton Rising Suns Non-Profit Pharmacy Your Financial Pharmacist Disclaimer and Disclosures
2022-10-0632 min
Your Financial PharmacistYFP Real Estate Investing 77: "Figuring Out" Solutions to Investing NightmaresNate Hedrick, PharmD, and David Bright, PharmD, MBA, BCACP, FAPhA, FCCP, share their experiences with four real estate investing nightmares and how they figured them out. Links Mentioned in Today's Episode YFP Real Estate Investing 76: Short Term Rental Market Update with Rachel Gainsbrugh Join the YFP Real Estate Investing Facebook Group YFP Real Estate Investing Your Financial Pharmacist Disclaimer and Disclosures
2022-10-0133 min
Your Financial PharmacistAsk a YFP CFP® #133: Are there any tax implications on my paycheck if I cash out my vacation or sick days?Welcome to Ask a YFP CFP®, a segment of the Your Financial Pharmacist Podcast! On today's show Sean Richards, CPA, takes this question from a member of the YFP community: Are there any tax implications on my paycheck if I cash out my vacation or sick days? Mentioned on the Show: YFP Planning: Financial Planning for Pharmacists Schedule a free Discovery Call with YFP Planning Send in your questions here or to info@yourfinancialpharmacist.com Your Financial Pharmacist Disclaimer and Disclosures Disclaimer: This podcast is intended for educational purposes and should not be considered financial or inve...
2022-09-2605 min
Your Financial PharmacistYFP Real Estate Investing 76: Short Term Rental Market Update with Rachel GainsbrughNate Hedrick and David Bright welcome Rachel Gainsbrugh back to the show for an update on her real estate journey. They discuss Rachel's recent appearance on "Buy My House" on Netflix, short-term rental market forecasting for the near future, shopping for lenders, and how to determine if a short-term rental will work in your market. Links Mentioned in Today's Episode YFP Real Estate Investing 07: Short and Medium-Term Rental Property Investing Short Term Gems Learn with Rachel YFP Real Estate Investing 18: Tax Strategies for Real Estate Investing YFP Real Estate Investing 54: Using Cost Segregation to Optimize Real...
2022-09-2438 min
Your Financial PharmacistYFP Real Estate Investing 75: Market Check-In: Is BRRRR Dead?Nate Hedrick, PharmD, and David Bright, PharmD, MBA, BCACP, FAPhA, FCCP, answer the question of whether or not the BRRRR method remains a viable investment strategy for real estate investors today. Links Mentioned in Today's Episode Join the YFP Real Estate Investing Facebook Group BiggerPockets YFP Real Estate Concierge Service YFP Real Estate Investing Your Financial Pharmacist Disclaimer and Disclosures
2022-09-1728 min
Your Financial PharmacistYFP Real Estate Investing 74: Using Real Estate Investing to Give BackClaude Condo, RPh, shares how he transitioned from a pharmacist looking for passive income to an expansive commercial property investor while maintaining a fulfilling career in pharmacy. Links Mentioned in Today's Episode Rich Dad Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! by Robert T. Kiyosaki Rich Dad Real Estate, Stock Trading and Personal Finance Coaching Condo Foundation Rx Real Estate Investment Connect with Rx Real Estate Investment on LinkedIn Who Not How: The Formula to Achieve Bigger Goals Through Accelerating Teamwork by Dan Sullivan Connect...
2022-09-1034 min
Your Financial PharmacistSpecial Update: Student Loan Announcements from the Biden AdministrationYFP Planning Lead Planners Kelly Reddy-Heffner and Robert Lopez dig into the recent student loan announcements from the Biden Administration including the extension of the administrative forbearance, student loan debt cancellation, updates to the Income Driven Repayment Plan, and what you can do now while you wait for more information to be released. Mentioned on the Show: The Your Financial Pharmacist Facebook Group YFP Planning: Holistic, Fee-Only Financial Planning for Pharmacists Studentaid.gov YFP Student Loan Analysis Service with YFP Planning Lead Planners Kelly Reddy-Heffner or Robert Lopez
2022-09-0821 min
Your Financial PharmacistYFP Real Estate Investing 73: Adding Technology to Your AnalysisNate Hedrick, PharmD, and David Bright, PharmD, MBA, BCACP, FAPhA, FCCP, share digital resources to help pharmacist real estate investors with deal analysis. Links Mentioned in Today's Episode YFP Real Estate Concierge Service YFP Real Estate Investing Find an Investor-Friendly Agent Join the YFP Real Estate Investing Facebook Group MLS: Multiple Listing Service realtor.com Zillow Zillow Rent Estimate Calculator Redfin Rentometer.com YFP Real Estate Investing 71: Knowing When to Walk Away craigslist Facebook Marketplace for Real Estate Download the Property Analysis Spreadsheet Your Financial Pharmacist Disclaimer and Disclosures
2022-09-0328 min
Your Financial PharmacistYFP 271: Financing a Home Purchase FAQTony Umholtz takes questions from the YFP Facebook Group related to financing a home purchase including how much down payment is required with a doctor-type loan, what to look for when choosing a lender, and ways to reduce the interest rate in a loan. Links Mentioned in Today's Episode Learn More About First Horizon's Pharmacist Home Loan and Start the Pre-Approval Process Join the Your Financial Pharmacist Facebook Group YFP Planning: Financial Planning for Pharmacists Schedule a free Discovery Call with YFP Planning 5 Steps to Get a Home Loan S&P/Case-Shiller U.S. National Home...
2022-09-0134 min
Your Financial PharmacistYFP Real Estate Investing 72: Fifty Units in Less Than Five YearsAlex and Erin Failaev, healthcare professionals and real estate investors, discuss their real estate investing strategies and shared goal-oriented mindset that took them from their first investment property to a portfolio of nearly 50 rental units in less than five years. Links Mentioned in Today's Episode BiggerPockets BiggerPockets Bookstore Brandon Turner Follow Alex Failaev on Instagram: @alexfailaev Join the YFP Real Estate Investing Facebook Group YFP Real Estate Investing Your Financial Pharmacist Disclaimer and Disclosures
2022-08-2742 min
Your Financial PharmacistYFP Real Estate Investing 71: Knowing When to Walk AwayDrew Register, PharmD, shares his story of walking away from a real estate investment deal when he recognized that it did not live up to the initial analysis and how a conservative approach to real estate investing can benefit pharmacist investors even when a deal doesn't make it to the closing table. Links Mentioned in Today's Episode Apply Now! None to One Group Coaching Program: Use code PODCAST20 for 20% OFF YFP Real Estate Investing 60: Helping a Pharmacist Go From "None to One" American Pharmacists Association (APhA) APhA Annual Meeting Your Financial Pharmacist YFP Webinars BiggerPockets Follow...
2022-08-2046 min
Your Financial PharmacistYFP 269: How to be Frugal During InflationJen Smith, a personal finance expert and co-host of the Frugal Friends Podcast, discusses strategies to practice frugality in a high inflationary period, how she was able to pay off $78k in debt while battling unemployment, and strategies for listeners to explore whether you are looking to get organized, make additional income, or grow in your investing journey. Links Mentioned in Today's Episode YFP's Employee to Entrepreneur Virtual Summit: Learn More and Register Here Insuring Income: Get Quotes and Apply for Term Life and Disability Insurance Frugal Friends Podcast The No-Spend Challenge Guide: How to Stop...
2022-08-1835 min
Your Financial PharmacistYFP Real Estate Investing 70: Buying Tenanted Properties to Find Deals in a Wild MarketNate Hedrick, PharmD, and David Bright, PharmD, MBA, BCACP, FAPhA, FCCP, dive into the complexity of buying tenanted rental properties and what that can mean for a real estate investor. Links Mentioned in Today's Episode Apply Now! None to One Group Coaching Program: Use code PODCAST20 for 20% OFF YFP Real Estate Investing 68: How a House-Hacking Pharmacist Turned Full-Time Investor Zillow Rent Estimate Calculator Rentometer.com Join the YFP Real Estate Investing Facebook Group YFP Real Estate Investing Your Financial Pharmacist Disclaimer and Disclosures
2022-08-1341 min
Your Financial PharmacistYFP 268: Buying a Home with Spiking Interest Rates, Inflation, and Market InsanityNate Hedrick, The Real Estate RPh and co-host of the YFP Real Estate Investing Podcast, discusses how interest rates, inflation, and market insanity are impacting home buyers. Links Mentioned in Today's Episode Real Estate RPh YFP Real Estate Investing Podcast YFP Real Estate Concierge Service Book Your Jump Start Planning Meeting Find an Investor-Friendly Agent YFP 254: Home Buying Search: What to Do and What to Avoid Download the YFP Home Buying Quick Start Guide Join the Your Financial Pharmacist Facebook Group Join the YFP Real Estate Investing Facebook Group YFP 148: How One Couple Got Started in...
2022-08-1135 min
Your Financial PharmacistYFP Real Estate Investing 69: From Owning a Pharmacy to Owning a Vacation RentalMatt and Meghan Dreher discuss their real estate investing journey from pharmacy ownership to short-term rental ownership. Links Mentioned in Today's Episode Join the YFP Real Estate Investing Facebook Group Apply NOW for the None to One Real Estate Group Coaching Program Your Financial Pharmacist The Your Financial Pharmacist Podcast YFP Real Estate Investing Podcast BiggerPockets Check out Matt and Meghan's Place PriceLabs Connect with Dreher Real Estate Services LLC on Facebook Follow Dreher Real Estate on Instagram: @dreherrealestaterx Email Matt and Meghan Dreher: dreherrealestate@gmail.com YFP Real Estate Investing Your Financial Pharmacist Disclaimer and Di...
2022-08-0645 min
Your Financial PharmacistYFP Real Estate Investing 68: How a House-Hacking Pharmacist Turned Full-Time InvestorDylan Koch, PharmD, RPh, shares how he pursued financial independence through real estate, first as a house-hacking pharmacist and now as a full-time real estate investor. Links Mentioned in Today's Episode YFP Real Estate Investing 42: How a Pharmacist Bought a Five Million Dollar Strip Mall YFP Real Estate Investing 04: How (and WHY) One Pharmacist Got Started in Real Estate Investing The Total Money Makeover: A Proven Plan for Financial Fitness by Dave Ramsey Rich Dad Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! By Robert T. K...
2022-07-3037 min
Your Financial PharmacistYFP 266: How One Pharmacy Entrepreneur Started a Keto-Based Medical PracticeDr. Jodi Nishida shares what significant health event led her to a keto-based diet, why she saw an opportunity to launch her business and keto-based practice, and lessons she's learned through helping over 1500 patients with medically-guided keto. Links Mentioned in Today's Episode YFP Planning: Financial Planning for Pharmacists Schedule a free Discovery Call with YFP Planning YFP 134: One Couple's Coast FI Journey YFP 196: How Cory Uses Improv to Create a Better Healthcare Experience Society of Metabolic Health Practitioners SMHP Symposiums & Other CME Events TheKetoPrescription.com Follow Dr. Jodi Nishida on Instagram: @theketoprescription The Keto Prescription YouTube Ch...
2022-07-2836 min
Your Financial PharmacistYFP Real Estate Investing 67: Deep Dive: Loan Terms and TypesNate Hedrick, PharmD, and David Bright, PharmD, MBA, BCACP, FAPhA, FCCP, break down loan types, discuss loan strategy, and cover key loan terminology for pharmacist real estate investors. Links Mentioned in Today's Episode YFP Real Estate Investing 62: Revisiting Fundamentals in a Changing Real Estate Market Ask a YFP CFP® #121: Should I consider an adjustable rate mortgage for a real estate investment property? Join the YFP Real Estate Investing Facebook Group YFP Real Estate Investing Your Financial Pharmacist Disclaimer and Disclosures
2022-07-2330 min
Your Financial PharmacistYFP Real Estate Investing 66: Mixing Real Estate into the Financial PlanYFP Planning Lead Planner, Robert Lopez, CFP®, discusses prioritizing your financial goals to include real estate investing, ways for pharmacists to invest in real estate without owning a rental property, and questions you should be asking yourself and your financial planner before purchasing an investment property. Links Mentioned in Today's Episode YFP 262: How Two Pharmacists Paid Off $250k of Student Loan Debt YFP Planning: Financial Planning for Pharmacists Schedule a free Discovery Call with YFP Planning YFP Real Estate Investing 53: Understanding and Vetting Syndications with Senate Eskridge BiggerPockets Afford Anything Podcast Join the None to One Gro...
2022-07-1631 min
Your Financial PharmacistYFP 264: How a 2022 PharmD Grad Left School Debt FreeDr. Alexis Miller talks about graduating from pharmacy school debt-free because of her service to our country, by joining the Army in 2017. She shares why she decided to join the Army while in pharmacy school, the ins and outs of the GI Bill and tuition assistance, and how she plans to apply her pharmacy knowledge to her role in the Army. Links Mentioned in Today's Episode YFP Planning: Financial Planning for Pharmacists Schedule a free Discovery Call with YFP Planning Connect with Alexis Miller on LinkedIn Email Alexis Miller: A-miller.19@onu.edu Your Financial Pharmacist Disclaimer...
2022-07-1427 min
Your Financial PharmacistYFP Real Estate Investing 65: Changing the Rules to Find CashflowNate Hedrick, PharmD, and David Bright, PharmD, MBA, BCACP, FAPhA, FCCP, your YFP Real Estate Investing Podcast hosts, discuss three key strategies for finding and managing cashflow with real estate investing. Key Points From This Episode A recap of the weekend with David and Nate each looking at new properties. Why the philosophy of 'set it and forget it' is a bad fit for their goals. Three key strategies to force cash flow. Change the location, change the property, and change the strategy. Cash flow potential in Cleveland in comparison to LA, Boston, and Seattle. Overcoming t...
2022-07-0927 min
Your Financial PharmacistYFP 263: The Intersection of Financial Literacy and The Energy BurdenDiamond Spratling, an impact-driven environmental health professional and non-profit leader, discusses her TEDx talk, The Secret to Clean Energy: Addressing The Root Causes of Energy Burden. Key Points From This Episode A warm introduction to today's guest, Diamond Spratling Diamond's educational and professional background. How she got into doing the work that she's involved in today. Her definition of environmental justice. Breaking down the three aspects of environmental justice: Earth, built, and social. What energy burden is and why our guest decided to speak about it. Why income is a big factor of energy burden. What an acc...
2022-07-0729 min
Your Financial PharmacistYFP Real Estate Investing 64: How One Pharmacist Bought 10 Rentals in His First Two YearsTyler Dalton, PharmD, shares his real estate investing experience, how he purchased 10 houses in his first two years as a real estate investor, and how he continues to grow his portfolio toward the ultimate goal of replacing his pharmacy salary. Key Points From This Episode Tyler's background: how he got into both pharmacy and real estate. Why he chose real estate and his passion for it. How our guest found success after his ambitious start in real estate. Using hard money lenders and investing without putting up capital. Tyler explains what a hard money lender is. Why h...
2022-07-0233 min
Your Financial PharmacistYFP 262: How Two Pharmacists Paid Off $250k of Student Loan DebtKristen & Nate Hedrick to discuss their journey in paying off $250k of student loan debt, their motivation and why for aggressively paying off the debt, and the role a side hustle and real estate investing played to help them achieve their goal. Key Points From This Episode Kristen's background, how she ended up in pharmacy, and what she's doing now. What their student loan debt looked like at its peak. How student debt can creep up and surprise you. The initial feelings the couple had towards their debt and their plans to pay it off. What...
2022-06-3031 min
Your Financial PharmacistYFP Real Estate Investing 63: Buying a House Without Going InsideNate Hedrick, PharmD, and David Bright, PharmD, MBA, BCACP, FAPhA, FCCP, your YFP Real Estate Investing Podcast hosts, unpack the process of purchasing real estate remotely. Key Points From This Episode A quick recap of Nate's current property dilemma: Flip or rent. The different processes of purchasing a rental property versus a primary residence. How to act quickly on a property that is outside your market. What the realtor experiences when trying to assist investor clients from other markets. How to buy a house without going inside it. Three key topics of conversation: people, criteria, and maki...
2022-06-2529 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 between bu...
2022-06-1843 min
Your Financial PharmacistYFP 260: Why It's Critical for Women to Take Control of Their Personal FinancesRobin Hauser, an award-winning director and producer, talks about her most recent documentary, $avvy, which explores why it's critical for women to understand and take control of their personal finances. Key Points From This Episode Robin's real-world example of unconscious bias. The gender-based stereotypes surrounding finances. How day-to-day and long-term financial planning responsibilities differ in a household. Why a woman's lifespan is an important consideration. The biggest obstacles facing women who want to take control of their finances. How women outperform men when it comes to investing. The psychology of confidence. Negotiation and gender perception. When financial literacy shou...
2022-06-1630 min
Your Financial PharmacistYFP Real Estate Investing 61: Keeping vs. Selling in a Hot MarketNate Hedrick, PharmD, and David Bright, PharmD, MBA, BCACP, FAPhA, FCCP, your YFP Real Estate Investing Podcast hosts, discuss how to decide whether to keep or sell a rental property in a hot real estate market. Key Points From This Episode The necessary discussions to have when ending a rehabilitation project. How a fluctuating market changes our decisions. Why you should be careful and methodical to maximize investment. The difficult choice between keeping the property as a rental and selling it for a gain. The three key points of making the decision: Do I buy it or do...
2022-06-1146 min
Your Financial PharmacistYFP 259: Building a Medical Writing Business with Megan FreelandMegan Freeland, PharmD, talks about her career path in medical writing, the types of health content writing that might interest pharmacists, and how she created the Health Professionals to Health Writers program. Key Points From This Episode Understanding Megan Freeland's career by looking at her interests and background in pharmacy. How to apply knowledge and experience in pharmacy to the public health system. What opportunities Megan took to further explore public health training and experience. The hard journey she took to end up at her dream job in the CDC. Her passion and motivation for the intersection of...
2022-06-0946 min
Your Financial PharmacistYFP Real Estate Investing 60: Helping a Pharmacist Go From "None to One"Marissa Deuel, PharmD, shares her experience in the first cohort of the None to One Group Coaching Program and her successful approach to investing in real estate. Key Points From This Episode An introduction to today's guest, Marissa Deuel. Marissa's pharmaceutical background and her connection to the hosts. The motivation behind Marissa's property investment. The clear criteria to filter through potential properties. Why you should always check your numbers before investing. The vetting, offering, and negotiation process when purchasing a property. How to manage the emotions behind a business transaction. A rehab plan to maximize the val...
2022-06-0433 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 her o...
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...
2022-01-1344 minYour 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...
2022-01-0140 minYour 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 minYour 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...
2021-12-0942 minYour 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 minYour 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 Estate RPh...
2021-06-0327 minYour 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 minYour 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 minYour 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 Week Pro...
2020-11-0530 minYour 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 TEPSLF@myfedloan...
2020-10-2930 minYour 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 minYour 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 minYour 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 minYour 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 minYour 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 Twitter Te...
2020-06-2556 minYour 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 Facebook Group YFP...
2020-06-1037 minYour 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 minYour 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 minYour 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 minYour 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 minYour 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 Gladwell Ring...
2019-10-1038 minYour 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 Podcast...
2019-08-2951 minYour 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 Truth...
2019-05-2339 minYour 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 Lessons...
2019-05-1639 minYour 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@vucahealth.com
2019-04-2533 minYour 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 Ha...
2019-03-2137 minYour 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 minYour 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 minYour 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 minYour 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...
2018-10-2543 minYour 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 minYour 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 Needs...
2018-08-1633 minYour 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 Student...
2018-07-1227 minYour 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 Be...
2018-05-2539 minYour 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 minYour 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 minYour 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 minYour 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 c...
2018-02-2239 minYour 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 Spark...
2018-02-0237 minYour 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 minYour 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 minYour 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 minYour 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 p...
2017-10-0632 minYour 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 Show...
2017-09-2133 minYour 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 Featured on t...
2017-09-1421 minYour 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 & Tim...
2017-08-3131 minYour 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 Ramsey Fi...
2017-08-1626 min