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

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

  In this episode of the Finding Financial Freedom Podcast, we sit down with Dr. Stephanie Pearson, a former physician turned disability insurance advocate. After experiencing firsthand the financial consequences of inadequate coverage, she now helps medical professionals secure the right disability insurance to protect their future. Stephanie breaks down the evolving landscape of disability insurance, explaining the challenges physicians face when applying for policies and how different carriers classify occupations. She also shares insights on state-specific policy variations and industry changes that could impact your financial security. Key Topics Covered: 1. From Physician to Advocate   Dr. Pearson’s journey from clinical medicine to educating physicians on disability insurance.   2. Industry Shifts in Disability Insurance   How the disability insurance market is evolving and what it means for you.   3. Understanding Occupational Classifications   Why physicians often get pigeonholed into specific risk categories.   4. Physician-Friendly Insurance Carriers   Are there companies offering better options for doctors?   5. State-by-State Policy Differences   How disability insurance coverage and regulations vary depending on where you live.   6. Real-Life Impact of Disability Insurance   A case study on how proper coverage changed a physician’s financial future.   7. Why Choose Pearson Ravitz?   What sets Pearson Ravitz apart in helping physicians secure the right coverage. Resources Mentioned: Pearson Ravitz Listener Takeaways: Not all disability insurance policies are created equal—know your options.   Occupational classification can affect your premiums and benefits.   Choosing the right insurance carrier can make a significant difference in your coverage.   State regulations may impact your policy terms and pricing.  Connect with Us: Host: Dr. Disha Spath, The Frugal Physician Guests: Dr. Stephanie Pearson, CEO and Insurance Advisor    This episode is sponsored by: PearsonRavitz – Helping physicians safeguard their most valuable assets.

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

  Welcome back to the Finding Financial Freedom Podcast with Dr. Disha Spath.  Today we interviewed Kristin Wade, a registered nurse turned certified budget coach, to discuss how zero-based budgeting can transform your finances. In 2023, Kristin began working for MyBudgetCoach to help the world fall in love with budgeting. She trains and supports coaches to scale their businesses effectively. In this episode, Kristin shares her own journey from struggling with money to achieving financial stability—and how this budgeting method helped her break free from the paycheck-to-paycheck cycle.  Kristin dives into the biggest financial challenges professionals face, the missing pieces in financial education, and how aligning your budget with your values can bring more freedom, stability, and control over your financial future.  Key Topics Covered: 1. Why So Many People Struggle with Money Common financial pitfalls, even for high earners.   2. Kristin’s Journey from Nurse to Budget Coach How taking control of her finances changed her life.   3. The Biggest Gaps in Financial Education What most people never learn about managing money.   4. How Zero-Based Budgeting Works   A simple but powerful system to take full control of your income.   5. Budgeting for Life’s Priorities How Kristin balanced financial goals while raising a family.   6. Spending with Purpose Why budgeting isn’t about restriction—it’s about freedom and choice. Resources Mentioned: My Budget Coach  Good Energy by Casey Means Fiscal Bliss Financial Coaching Listener Takeaways: How to stop living paycheck to paycheck using zero-based budgeting.   The key financial mistakes holding people back—and how to fix them.   Why most of us never learn proper money management (and what to do about it).   How aligning your budget with your values can bring stability and peace of mind. Connect with Us: Host: Dr. Disha Spath, The Frugal Physician Guests: Kristin Wade, Head of Engagement at MyBudgetCoach  If you're ready to take control of your money and build a secure financial future, this episode is a must-listen!   This episode is sponsored by Reza & Sharif CPAs - They provide more than just tax returns and financial statements—they deliver strategic financial solutions tailored to your needs. Whether you're a business owner, physician, or investor, they help you navigate complex tax laws, maximize savings, and build long-term wealth. With expert tax planning, accounting, and advisory services, they ensure your finances work for you—not the other way around. Take control of your financial future today. Visit rezasharif.com to see how they can help.   This episode is also sponsored by Set for Life Insurance – Providing more than just insurance policies—they deliver personalized coverage and expert guidance tailored to your needs. Whether you're looking for life, disability, or long-term care insurance, their team ensures you get the best protection at the most cost-effective rates. With priority underwriting, special discounts, and access to top-rated insurers, they make securing your future simple and stress-free. Take the next step in protecting what matters most. Visit setforlifeinsurance.com or call 1-888-553-3559 today.

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

  In this episode of the Finding Financial Freedom Podcast, we interviewed Jamie Fleischner, founder of Set for Life Insurance, who has helped thousands of professionals secure the right disability coverage. If you’re a physician or high-earning professional, protecting your financial future is crucial—and disability insurance is a key part of that plan.  Jamie breaks down the ins and outs of Guaranteed Standard Issue (GSI) Policies, explaining how they differ from traditional disability insurance and what you need to consider when choosing the best policy. From pricing and flexibility to common misconceptions, this episode is packed with valuable insights to help you make an informed financial decision.   Key Topics Covered: 1. What is a Guaranteed Standard Issue Policy?  Understanding how GSI policies differ from traditional disability insurance.   2. Who Qualifies for a GSI Policy?   Why only certain programs offer them and what it means for you.   3. Own-Occupation Coverage   Are GSI policies truly own-occupation, and why does it matter?   4. Premiums & Cost Comparisons How GSI policy premiums stack up against traditional underwritten disability insurance.   5. Exclusive Discounts & Group Benefits Are there special rates available for specific groups or organizations?   6. Gender-Based Rate Differences How disability insurance pricing differs for men and women.   7. Common Misconceptions About GSI Policies  Clearing up myths that could impact your financial decisions.   8. Expert Advice on Choosing Disability Insurance Key takeaways for professionals planning to secure coverage.   Resources Mentioned: Set For Life Insurance Website Rezasharif Website Listener Takeaways: GSI policies offer unique benefits and limitations.   Group discounts and gender-based pricing can significantly impact your premiums.   Flexibility matters—ensure your policy can adapt to your career growth.   Understanding the fine print can save you from costly mistakes in the future.  Connect with Us: Host: Dr. Disha Spath, The Frugal Physician Guests: Jamie Fleischner on LinkedIn Tune in now and get the expert insights you need to make the best financial decision for your future!   This episode is sponsored by Reza & Sharif CPAs - They provide more than just tax returns and financial statements—they deliver strategic financial solutions tailored to your needs. Whether you're a business owner, physician, or investor, they help you navigate complex tax laws, maximize savings, and build long-term wealth. With expert tax planning, accounting, and advisory services, they ensure your finances work for you—not the other way around. Take control of your financial future today. Visit rezasharif.com to see how they can help.   This episode is also sponsored by Set for Life Insurance – Providing more than just insurance policies—they deliver personalized coverage and expert guidance tailored to your needs. Whether you're looking for life, disability, or long-term care insurance, their team ensures you get the best protection at the most cost-effective rates. With priority underwriting, special discounts, and access to top-rated insurers, they make securing your future simple and stress-free. Take the next step in protecting what matters most. Visit setforlifeinsurance.com or call 1-888-553-3559 today.

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

  In this episode of the Finding Financial Freedom Podcast, Erik and Gelerie Stenbakken share the next chapter of their inspiring real estate journey. From saving for their dream home to transitioning into real estate investing, they reveal how they scaled from long-term rentals to a thriving short-term rental business. Discover how they built lasting relationships with vendors, optimized their systems, and found more time for family—all while pursuing financial freedom.   Whether you’re starting out or looking to scale your real estate business, Erik and Gelerie’s experience is packed with actionable insights to help you achieve your own investing goals.  Key Topics Covered: 1. Scaling Systems for Short-Term Rentals  How they built efficient processes to manage multiple properties.   2. Optimizing Vendor Relationships The importance of building partnerships with trusted vendors and companies.   3. Short-Term vs. Long-Term Rentals The key differences and what to expect from each.   4. Family Time and Gaining Freedom Through REI  How real estate investing gave them more quality time as a family.   5. The Value of Giving Back Why improving the lives of others is part of their mission.   6. Getting Started in Real Estate  How to take your first step into real estate investing.   7. Professional Status & Property Management What it means to pursue real estate professional status and manage rental properties effectively.    Resources Mentioned: BiggerPockets The Millionaire Next Door  The Real Estate Pessimist Podcast Follow Erik’s Podcast Page on Instagram STR in an hour course Listener Takeaways: Systems and relationships are crucial for scaling your business.   You don’t need a huge budget to get started—just a willingness to learn and take action.   Short-term rentals offer unique opportunities but come with their own set of challenges.   Prioritizing family and giving back can be key drivers of long-term success. Connect with Us: Host: Dr. Disha Spath, The Frugal Physician Guests: Dr. Gelerie and Erik Stenbakken Thank you for tuning in! Be sure to share this episode with anyone thinking about investing in real estate.   This episode is sponsored by Reza & Sharif CPAs - They provide more than just tax returns and financial statements—they deliver strategic financial solutions tailored to your needs. Whether you're a business owner, physician, or investor, they help you navigate complex tax laws, maximize savings, and build long-term wealth. With expert tax planning, accounting, and advisory services, they ensure your finances work for you—not the other way around. Take control of your financial future today. Visit rezasharif.com to see how they can help.   This episode is also sponsored by Set for Life Insurance – Providing more than just insurance policies—they deliver personalized coverage and expert guidance tailored to your needs. Whether you're looking for life, disability, or long-term care insurance, their team ensures you get the best protection at the most cost-effective rates. With priority underwriting, special discounts, and access to top-rated insurers, they make securing your future simple and stress-free. Take the next step in protecting what matters most. Visit setforlifeinsurance.com or call 1-888-553-3559 today.

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

  In this episode of The Finding Financial Freedom Podcast, we sit down with Dr. Gelerie, an anesthesiologist with 20 years in the medical field, and Erik, an expert in teaching, marketing, PR, and photography. Together, they share their journey into real estate—how they started, the challenges they faced, and the strategies they used to build a successful investment portfolio. From buying their first property to understanding market cycles, setting up systems, and shifting career paths, this conversation is packed with insights on making real estate work for us. Key Topics Covered: Getting Started in Real Estate How Dr. Gelerie and Erik transitioned from medicine and marketing into investing. Buying & Renting Their First Property Lessons learned from their first real estate deal. Understanding Market Cycles How real estate moves in cycles and why timing matters. Building Systems & Relationships for Long-Term Success The key to scaling a real estate business efficiently. Shifting Careers & Investing with Confidence How a mindset shift helped them navigate new opportunities. Investing creatively Creative financing strategies that work. Managing Rental Properties What property management really looks like behind the scenes.   Resources Mentioned: Cashflow Quadrant by Robert Kiyosaki Rich Dad Poor Dad by Robert Kiyosaki BiggerPockets  Short-Term Rental, Long-Term Wealth by Avery Carl EVOLVE Company Listener Takeaways: You don’t need a real estate background to get started—just the willingness to learn. Investing with little to no money down is possible with the right strategy. Systems and relationships are key to scaling in real estate. Connect with Us: Host: Dr. Disha Spath, The Frugal Physician Guests: Dr. Gelerie and Erik Stenbakken Thank you for tuning in! Be sure to share this episode with anyone thinking about investing in real estate.   This episode is sponsored by Reza & Sharif CPAs - They provide more than just tax returns and financial statements—they deliver strategic financial solutions tailored to your needs. Whether you're a business owner, physician, or investor, they help you navigate complex tax laws, maximize savings, and build long-term wealth. With expert tax planning, accounting, and advisory services, they ensure your finances work for you—not the other way around. Take control of your financial future today. Visit rezasharif.com to see how they can help.   This episode is also sponsored by Set for Life Insurance – Providing more than just insurance policies—they deliver personalized coverage and expert guidance tailored to your needs. Whether you're looking for life, disability, or long-term care insurance, their team ensures you get the best protection at the most cost-effective rates. With priority underwriting, special discounts, and access to top-rated insurers, they make securing your future simple and stress-free. Take the next step in protecting what matters most. Visit setforlifeinsurance.com or call 1-888-553-3559 today.

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