Financial Fellowship

Bitcoin Is Dollar Insurance with Jimmy Turner

Jimmy Turner joins the Monday show for the first time, and the topic is the one Ryan has been discussing with him for years: Bitcoin. Jimmy came to it as a skeptic. He is

Scaling Back to Part Time with Daniel Wrenne

When can you scale back to part time? It is the question Daniel Wrenne hears from clients all the time, and a live question in his own house too. Daniel does not start w

The S&P Is Nearly 40% Tech with Daniel Wrenne

Ryan brings back Daniel Wrenne on the podcast to talk through what cap weighting does to a portfolio built on index funds, and whether it makes sense to tilt away from it

Double Up: The New Attending Waterfall

The first attending paycheck changes everything, and this episode gives it an order. Ryan walks the new attending money waterfall, starting with the double up rule: live

Ophthalmologist, $4.3M Net Worth, Zero Debt, Retiring in 3 Years? | FHA

Diane has $4.3 million, zero debt, a paid-off house, and a 95 out of 100 on her Financial Health Assessment. It is the highest score we have ever given on this show. Her

Your Mortgage is a Bond with Daniel Wrenne

This week Ryan has on Daniel Wrenne to answer the question, Pay the mortgage off early, or keep it and invest the difference? A 3 percent mortgage from 2020 is one conve

Pediatric Anesthesiologist, $990k a Year, Zero Debt, $7.5M Net Worth | FHA

Sean and Kate have $7.5 million, zero debt, and a 90 out of 100 on their Financial Health Assessment. They are the couple everyone wants to be. And I still found the hol

Mid Career Portfolio Cleanup with Daniel Wrenne

In this episode, Ryan and Daniel Wrenne discuss how mid career physicians often accumulate a messy collection of accounts — old 401(k)s, multiple IRAs, taxable accounts,

The 401(k) Was an Accident

A physician sits down to pick her 401(k) investments. 27 fund options. Zero training for this decision. Nobody ever designed this system. It grew out of a 1978 tax provis

The Mid Career Physician Savings Rate Illusion with Daniel Wrenne

This week Daniel Wrenne joins the show to strip the savings rate down to what's real: what actually goes into investable assets. We cover what counts as savings (and what

You Were Trained to be Bad with Money

In 1910, the Flexner Report rebuilt American medical education around expensive lab science. It accidentally built a financial training system that teaches doctors to ign

Orthopedic Surgeon, $620k Income, $14k a Month Nobody Can Find | FHA

An orthopedic surgeon 2 years out of fellowship sends in the whole picture. $620,000 a year, two kids under 4, a rural property with a tractor and an orchard, $312,000 of

Your 403(b) is Maxed. Now What? with Daniel Wrenne

In this episode, Ryan Inman and Daniel Wrenne walk through the funding order for mid career physician households. From HSA to finishing with the taxable brokerage account

Surgical Subspecialist, $1.15M, $130k a Year to Charity but No Will | FHA

A surgical subspecialist earning $1.15 million sends in the most matter of fact file this show has been handed. A one bedroom apartment by choice, $33,000 saved a month,

The Rise of the AI Advisor with Daniel Wrenne

Ryan Inman and Daniel Wrenne walk through where AI belongs (the calculator side), where it fails (accountability and duty), and how to choose: DIY, joining our membership

Money As You Knew It Has Died

Your paycheck multiplied five times overnight and the house still got further away. That's not a budgeting problem. It's a currency you were never taught to read. The sto

Ophthalmology Resident, $435k Loans, Credit Card Debt and 4 Kids | FHA

Melissa is in her final year of ophthalmology residency. Bryce is home full time with their four kids under 10. One income at $63,000, $435,000 in federal loans, a credit

Healthcare in Retirement: Why $172,500 Is Low for Physicians with Daniel Wrenne

Ryan has Daniel Wrenne on to discuss Fidelity's 2025 estimate that says one person needs $172,500 for healthcare across retirement. Daniel thinks that number runs low for

How I Think About Debt | Orientation

Physician debt is not just a balance to eliminate—it is a factor in the broader plan for cash flow, career choices, and long-term flexibility. In this orientation, Ryan s

How I Think About Investing | Orientation

In this Orientation episode, Ryan shares how he thinks about investing for physicians: keep it boring on purpose and build a plan that can hold up through busy seasons. H