Podcasts about online courses

Today's episode tackles a wide mix of practical questions. We explore the pros and cons of unions for doctors, how to protect yourself from ACATS fraud, and what you need to know about vesting rules. We also dig into an asset allocation question, upcoming changes to HSA plans in 2026, and whether it makes sense to exchange a mutual fund for its ETF counterpart. It's a packed episode with insights you can put to use right away. Today's episode is brought to us by SoFi, the folks who help you get your money right. Paying off student debt quickly and getting your finances back on track isn't easy, but that's where SoFi can help — they have exclusive, low rates designed to help medical residents refinance student loans—and that could end up saving you thousands of dollars, helping you get out of student debt sooner. SoFi also offers the ability to lower your payments to just $100 a month* while you're still in residency. And if you're already out of residency, SoFi's got you covered there too. For more information, go to https://www.whitecoatinvestor.com/Sofi SoFi Student Loans are originated by SoFi Bank, N.A. Member FDIC. Additional terms and conditions apply. NMLS 696891. The White Coat Investor has been helping doctors, dentists, and other high-income professionals with their money since 2011. Our free personal finance resource covers an array of topics including how to use your retirement accounts, getting a doctor mortgage loan, how to manage your student loans, buying physician disability and malpractice insurance, asset allocation & asset location, how to invest in real estate, and so much more. We will help you learn how to manage your finances like a pro so you can stop worrying about money and start living your best life. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you! Find 1000's of written articles on the blog: https://www.whitecoatinvestor.com  Our YouTube channel if you prefer watching videos to learn: https://www.whitecoatinvestor.com/youtube  Student Loan Advice for all your student loan needs: https://studentloanadvice.com  Join the community on Facebook: https://www.facebook.com/thewhitecoatinvestor  Join the community on Twitter: https://twitter.com/WCInvestor  Join the community on Instagram: https://www.instagram.com/thewhitecoatinvestor  Join the community on Reddit: https://www.reddit.com/r/whitecoatinvestor  Learn faster with our Online Courses: https://whitecoatinvestor.teachable.com  Sign up for our Newsletter here: https://www.whitecoatinvestor.com/free-monthly-newsletter  00:00 WCI Podcast #449 01:19 Unions in Healthcare 05:43 ACATS Fraud: What You Need to Know 16:43 Vesting in Employer's Retirement Accounts 19:42 Rebalancing vs. Paying Capital Gains 27:33 HSA Eligible Healthcare Plans 34:34 Swapping Mutual Funds for ETFs

#905 Short-form video is dominating the internet. If you're sitting this one out and dismissing it as a passing trend, you're missing out on the easiest opportunity to generate views, build an audience, and grow your business! The barrier to entry is at an all-time low right now. As a father and entrepreneur with zero extra hours, I'm able to sneak in daily posts on Shorts, TikTok, and Instagram Reels. No fancy edits. No overthinking. So, how do you follow in my footsteps and uplevel your brand like never before? I've boiled it all down for you and made it available in my new Short-Form Formula course. Listen in on today's episode to get a peek at my system! This is the exact workflow I use to show up online without burning out, and it gives you access to the fastest opportunity to succeed online today. So tune in now to make 2026 your strongest year yet! Show notes and more at SmartPassiveIncome.com/session905.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Keeping it Real During the Holidays: p.s. I Love the Grinch! Patricia (she/her) dives into the emotional and sensory whirlwind of navigating change as an AuDHDer during the holiday season. She unpacks the exhaustion that comes from shifting family dynamics, unpredictable routines, kitten chaos, people coming and going, and the desire to show up with more capacity than she actually has. Patricia speaks candidly about shutdowns, resentment, communication misfires and boundary-setting. This episode invites listeners to honor their own wiring, acknowledge their limits, and give themselves permission to navigate change on their own terms—especially when the world is loud, messy, and demanding far too much. WHAT YOU'LL HEAR IN THIS EPISODE ·   The emotional weight of constant change during the holidays ·  Why autistic and AuDHD nervous systems struggle with unpredictability ·  How people coming and going can destabilize daily rhythms ·  Sensory overwhelm from decorations, noise, and social expectations ·  The shutdown mode that follows too much "peopling" ·  Resentment that canform when needs aren't communicated directly ·  That awkward dance between wanting to show up and feeling over capacity ·  Kitten chaos as both joy and sensory overload ·  Feeling responsible for everyone's experience (hello, people-pleasing!) ·  The grief of not feeling safe to voice your values or boundaries ·  Family conflict and the ripple effects on your emotional regulation ·  Why inconsistency can be draining for some neurodivergent brains ·  The need for predictability, routines, and familiar sensory anchors ·  Internalized pressure to be "easygoing," especially around holidays ·  The truth-telling wisdom of the body when burnout hits ·  "Harvest feast" (aka Thanksgiving) recovery mode ·  Observing subtle family dynamics that others overlook ·  Using pacing and gentle self-compassion to navigate the season ·  How even positive changes can be dysregulating ·  The reminder that honoring your limits is an act of self-love SOUND BITES ·  "Change really affects me. I overdid it, and now my body is telling the truth." ·  "Even things that you enjoy can be dysregulating and overwhelming." ·  "If someone could respond differently, they would—we're not choosing to have difficulty with change." ·  "Inconsistency is very difficult for me; it's not about the tree, it's about the mismatch." ·  "I think what I call depression is really resentment for not being direct." SENSITIVITY IS NOTHING TO APOLOGIZE FOR; IT'S HOW YOUR BRAIN IS WIRED You are not broken. You were shaped by systems that weren't built for you. You deserve rest, joy, and support exactly as you are. PODCAST HOST Patricia Young (she/her) was a Licensed Clinical Social Worker for over 17 years, but she is now exclusively providing coaching. She knows what it's like to feel like an outcast, misfit, and truthteller.  Learning about the trait of being a Highly Sensitive Person (HSP), then learning she is AuDHD with a PDA profile, OCD and RSD, helped Patricia rewrite her history with a deeper understanding, appreciation, and a sense of self-compassion.  She created the podcasts Unapologetically Sensitive and Unapologetically AuDHD to help other neurodivergent folks know that they aren't alone, and that having a brain that is wired differently comes with amazing gifts, and some challenges.  Patricia works online globally working individually with people, and she teaches Online Courses for neurodivergent folks that focus on understanding what it means to be a sensitive neurodivergent. Topics covered include: self-care, self-compassion, boundaries, perfectionism, mindfulness, communication, and creating a lifestyle that honors you Patricia's website, podcast episodes and more: www.unapologeticallysensitive.com LINKS  To write a review in itunes: click on this link https://itunes.apple.com/us/podcast/unapologetically-sensitive/id1440433481?mt=2 select "listen on Apple Podcasts" chose "open in itunes" choose "ratings and reviews" click to rate the number of starts click "write a review" Website--www.unapologeticallysensitive.com Facebook-- https://www.facebook.com/Unapologetically-Sensitive-2296688923985657/ Closed/Private Facebook group Unapologetically Sensitive-- https://www.facebook.com/groups/2099705880047619/ Instagram-- https://www.instagram.com/unapologeticallysensitive/ Youtube-- https://www.youtube.com/channel/UCOE6fodj7RBdO3Iw0NrAllg/videos?view_as=subscriber Tik Tok--https://www.tiktok.com/@unapologeticallysensitiv Unapologetically AuDHD Podcast-- https://unapologeticallysensitive.com/unapologeticallyaudhd/ e-mail-- unapologeticallysensitive@gmail.com Show hashtag--#unapologeticallysensitive Music-- Gravel Dance by Andy Robinson www.andyrobinson.com  

Today we are talking with a psych resident who has maxed out his personal and spousal IRAs for two years in a row. He found a lucrative moonlighting gig that has helped increase his income. His secret to success is getting educated early so you can get off on the right foot. He shows that you can start building your wealth long before you have reached your max income. After the interview we talking about boosting your income for Finance 101. As a white coat, you have valuable knowledge. Various companies want that knowledge. And they're willing to pay you for it! That's why we've put together a list of recommendations for companies that pay you to take surveys. If you're looking for a profitable side gig for not too much effort, getting paid for surveys could be the perfect solution for you. You can make extra money, start a solo 401(k), and use your medical knowledge to impact new products. One of the WCI columnists makes an extra $30,000 a year just doing these surveys. Sign up today and use a fraction of your downtime to make extra cash! Go to whitecoatinvestor.com/MDSurveys The White Coat Investor has been helping doctors, dentists, and other high-income professionals with their money since 2011. Our free personal finance resource covers an array of topics including how to use your retirement accounts, getting a doctor mortgage loan, how to manage your student loans, buying physician disability and malpractice insurance, asset allocation & asset location, how to invest in real estate, and so much more. We will help you learn how to manage your finances like a pro so you can stop worrying about money and start living your best life. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you! Have you achieved a Milestone? You can be on the Milestones to Millionaire Podcast too! Apply here: https://whitecoatinvestor.com/milestones  Find 1000's of written articles on the blog: https://www.whitecoatinvestor.com  Our YouTube channel if you prefer watching videos to learn: https://www.whitecoatinvestor.com/youtube  Student Loan Advice for all your student loan needs: https://studentloanadvice.com  Join the community on Facebook: https://www.facebook.com/thewhitecoatinvestor  Join the community on Twitter: https://twitter.com/WCInvestor  Join the community on Instagram: https://www.instagram.com/thewhitecoatinvestor  Join the community on Reddit: https://www.reddit.com/r/whitecoatinvestor  Learn faster with our Online Courses: https://whitecoatinvestor.teachable.com  Sign up for our Newsletter here: https://www.whitecoatinvestor.com/free-monthly-newsletter  00:00 MtoM Podcast #252 03:05 Psych Resident Maxes Out Spousal and Personal IRAs 15:30 Advice For Others 18:20 Boosting Your Income as a Doctor

In this episode, we catch up with some fundie influencers, including Morgan Olliges, who has recently released an online course about how to cope with a husband that leaves you alone in the wilderness, Karissa Collins many spellings and pronunciations of Yahoosooshooahaha, and Kelly Havens new e-commerce business.https://www.youtube.com/channel/UCJ4q94gAnsoW2jME4SvVrrQJoin our discord server! https://discord.gg/aneFkUJuJoin our subreddit! Reddit.com/r/EdenExodusBluesky:@leavingedenpodcast.bsky.social@hellyeahsadie.bsky.social@gavihacohen.bsky.socialInstagram:https://www.instagram.com/leavingedenpodcast/https://www.instagram.com/sadiecarpentermusic/https://www.instagram.com/gavrielhacohen/Subscribe to Leaving Eden Podcast on YouTube!https://www.youtube.com/channel/UCJ4q94gAnsoW2jME4SvVrrQJoin our Patreon for extended, uncensored, and ad-free versions of most of our episodes, as well as other patron perks and bonus content!https://www.patreon.com/LeavingEdenPodcastJoin our Facebook group to join in the discussion with other fans!https://www.facebook.com/groups/edenexodusJoin our subreddit! Reddit.com/r/EdenExodusBluesky:@leavingedenpodcast.bsky.social@hellyeahsadie.bsky.social@gavihacohen.bsky.socialInstagram:https://www.instagram.com/leavingedenpodcast/https://www.instagram.com/sadiecarpentermusic/https://www.instagram.com/gavrielhacohen/ Hosted on Acast. See acast.com/privacy for more information.

Chris Badgett outlines a comprehensive, useful process for utilizing ChatGPT to create an online course that centers around your special skill. He emphasizes that while depending exclusively on AI results in generic. Low-value course content. ChatGPT should enhance your creativity rather than replace it. In order to determine the course’s path. He starts by selecting […] The post How To Create An Online Course With ChatGPT appeared first on LMScast.

Today's episode tackles a handful of questions that come up often for high-income professionals planning for the future. We dig into how to optimize your retirement accounts and take advantage of key tax benefits, explore how cash balance plans work inside a group practice, and look at whether a target-date retirement fund ever makes sense in a taxable account. We also talk through what to do with your retirement savings over the next year if you won't have access to workplace profit sharing until the end of 2026. Laurel Road is committed to helping residents and physicians take control of their finances. That's why we've designed a personal loan for doctors, with special repayment terms during training. Get help consolidating high-interest credit card debt or fund the unexpected with one low monthly payment. Check your rates in minutes to see if you qualify for a lower rate, plus, White Coat Readers also get an additional rate discount when they apply through https://LaurelRoad.com/WCI For terms and conditions, please visit https://LaurelRoad.com/WCI Disclosures Laurel Road is a brand of KeyBank N.A. All products are offered by KeyBank N.A. Member FDIC. ©2025 KeyCorp® All Rights Reserved. The White Coat Investor has been helping doctors, dentists, and other high-income professionals with their money since 2011. Our free personal finance resource covers an array of topics including how to use your retirement accounts, getting a doctor mortgage loan, how to manage your student loans, buying physician disability and malpractice insurance, asset allocation & asset location, how to invest in real estate, and so much more. We will help you learn how to manage your finances like a pro so you can stop worrying about money and start living your best life. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you! Find 1000's of written articles on the blog: https://www.whitecoatinvestor.com  Our YouTube channel if you prefer watching videos to learn: https://www.whitecoatinvestor.com/youtube  Student Loan Advice for all your student loan needs: https://studentloanadvice.com  Join the community on Facebook: https://www.facebook.com/thewhitecoatinvestor  Join the community on Twitter: https://twitter.com/WCInvestor  Join the community on Instagram: https://www.instagram.com/thewhitecoatinvestor  Join the community on Reddit: https://www.reddit.com/r/whitecoatinvestor  Learn faster with our Online Courses: https://whitecoatinvestor.teachable.com  Sign up for our Newsletter here: https://www.whitecoatinvestor.com/free-monthly-newsletter  00:00 WCI Podcast #448 07:30 Optimizing Retirement Accounts 20:38 Adjusting Risk with a Cash Balance Plan 25:34 Target Retirement Funds in Taxable 30:55 Saving for Retirement in Taxable?

A lot of people building software today never took the traditional CS path. They arrived through curiosity, a job that needed automating, or a late-night itch to make something work. This week, David Kopec joins me to talk about rebuilding computer science for exactly those folks, the ones who learned to program first and are now ready to understand the deeper ideas that power the tools they use every day. Episode sponsors Sentry Error Monitoring, Code TALKPYTHON NordStellar Talk Python Courses Links from the show David Kopec: davekopec.com Classic Computer Science Book: amazon.com Computer Science from Scratch Book: computersciencefromscratch.com Computer Science from Scratch at NoStartch (CSFS30 for 30% off): nostarch.com Watch this episode on YouTube: youtube.com Episode #529 deep-dive: talkpython.fm/529 Episode transcripts: talkpython.fm Theme Song: Developer Rap

In this episode of the Ardan Labs Podcast, Bill Kennedy talks with Caleb Mattingly, Founder and CEO of Secure Cloud Innovations, about his journey through cybersecurity, compliance, and entrepreneurship. Caleb shares insights into navigating complex compliance frameworks, the importance of vulnerability management, and building trust in the cybersecurity space. Beyond tech, he discusses his passion for linguistics, communication, and music—and how personal interests shape professional growth. The conversation also explores Caleb's entrepreneurial story, from a chance encounter at a swing dance club to building a thriving business during COVID-19, highlighting lessons in resilience, niche marketing, and the value of relationships in business.00:00 Introduction01:50 Cybersecurity and Compliance05:56 Vulnerability Management19:39 Education and Career Exploration26:35 Linguistics and Language Learning36:42 College Life and Personal Growth40:15 Music, Hobbies, and Self-Expression55:51 Balancing Work and Love01:12:08 Entering Cybersecurity01:23:05 Career Changes and New Beginnings01:26:49 Founding Secure Cloud Innovations01:39:56 Building Trust and Customer RelationshipsConnect with Caleb: LinkedIn: https://www.linkedin.com/in/caleb-h-mattingly/Mentioned in this Episode:Secure Cloud Innovations: https://trysci.co/Want more from Ardan Labs? You can learn Go, Kubernetes, Docker & more through our video training, live events, or through our blog!Online Courses : https://ardanlabs.com/education/ Live Events : https://www.ardanlabs.com/live-training-events/ Blog : https://www.ardanlabs.com/blog Github : https://github.com/ardanlabs

Today we are talking to a Dermatology resident who has hit a $750,000 net worth before finishing training. He has been building wealth since high school and is off to an unbelievable start. This kind of saving and wealth growth will allow him to craft the career he wants as well as reduce the risk of burnout. He knows the impact of the time value of money and was able to complete his MD PhD program in only six years. After the interview we will talk about the basics of real estate investing for Finance 101. Resolve is the #1 rated physician contract team, reviewing 1000+ physician contracts every year. They empower physicians with location specific compensation data which leads to unparalleled leverage during the physician contract negotiation process. A physician contract lawyer is included and can negotiate on your behalf – alleviating the stress that can go along with reviewing complex legal terms. Flat-rate pricing and flexible schedules are designed for a physician's schedules. Use code WHITECOAT10 for 10% off! https://WhiteCoatInvestor.com/Resolve The White Coat Investor has been helping doctors, dentists, and other high-income professionals with their money since 2011. Our free personal finance resource covers an array of topics including how to use your retirement accounts, getting a doctor mortgage loan, how to manage your student loans, buying physician disability and malpractice insurance, asset allocation & asset location, how to invest in real estate, and so much more. We will help you learn how to manage your finances like a pro so you can stop worrying about money and start living your best life. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you! Have you achieved a Milestone? You can be on the Milestones to Millionaire Podcast too! Apply here: https://whitecoatinvestor.com/milestones  Find 1000's of written articles on the blog: https://www.whitecoatinvestor.com  Our YouTube channel if you prefer watching videos to learn: https://www.whitecoatinvestor.com/youtube  Student Loan Advice for all your student loan needs: https://studentloanadvice.com  Join the community on Facebook: https://www.facebook.com/thewhitecoatinvestor  Join the community on Twitter: https://twitter.com/WCInvestor  Join the community on Instagram: https://www.instagram.com/thewhitecoatinvestor  Join the community on Reddit: https://www.reddit.com/r/whitecoatinvestor  Learn faster with our Online Courses: https://whitecoatinvestor.teachable.com  Sign up for our Newsletter here: https://www.whitecoatinvestor.com/free-monthly-newsletter  00:00 MtoM Podcast #251 02:34 Dermatologist Hits $750,000 Net Worth Before Finishing Residency 09:08 Advice For Others 14:22 What Jim Dahle Thinks About Real Estate Investing

In this episode, I'm talking with Vincent Warmerdam about treating LLMs as just another API in your Python app, with clear boundaries, small focused endpoints, and good monitoring. We'll dig into patterns for wrapping these calls, caching and inspecting responses, and deciding where an LLM API actually earns its keep in your architecture. Episode sponsors Seer: AI Debugging, Code TALKPYTHON NordStellar Talk Python Courses Links from the show Vincent on X: @fishnets88 Vincent on Mastodon: @koaning LLM Building Blocks for Python Co-urse: training.talkpython.fm Top Talk Python Episodes of 2024: talkpython.fm LLM Usage - Datasette: llm.datasette.io DiskCache - Disk Backed Cache (Documentation): grantjenks.com smartfunc - Turn docstrings into LLM-functions: github.com Ollama: ollama.com LM Studio - Local AI: lmstudio.ai marimo - A Next-Generation Python Notebook: marimo.io Pydantic: pydantic.dev Instructor - Complex Schemas & Validation (Python): python.useinstructor.com Diving into PydanticAI with marimo: youtube.com Cline - AI Coding Agent: cline.bot OpenRouter - The Unified Interface For LLMs: openrouter.ai Leafcloud: leaf.cloud OpenAI looks for its "Google Chrome" moment with new Atlas web browser: arstechnica.com Watch this episode on YouTube: youtube.com Episode #528 deep-dive: talkpython.fm/528 Episode transcripts: talkpython.fm Theme Song: Developer Rap

In this episode, you will learn how to use indirect object pronouns in a clear and simple way. I explain what they mean, when to use them, and how to recognize them in real sentences. We also include several useful examples and short practice questions you can answer as you listen. Perfect for A1–A2 Spanish students who want to improve their communication and understand essential structures of the language. Join the Live Spanish Zoom Class!• $20 per class• Small group lessons focused on speaking, listening, and reading• Ideal for A1–A2 learners who want to improve quickly in a fun, supportive environment Book a FREE consultation session:https://calendly.com/davidalexandercantu Follow me for more Spanish learning content:YouTube: https://www.youtube.com/channel/UCl-umo0w-yVjyfYz5zUcRvgInstagram: https://www.instagram.com/davidalexandercantu/TikTok: https://www.tiktok.com/@davidalexanderspanishFacebook: https://www.facebook.com/davidalexandercantu/LinkedIn: https://www.linkedin.com/in/davidalexandercantu/

Happy Thanksgiving – A Short History **Self-Storage Turnaround Playbook** https://creatingwealththroughselfstorage.lpages.co/episode-476-four-steps-i-use-to-revive-a-self-storage-facility-non-fb/ **Startup Checklist** https://creatingwealththroughselfstorage.lpages.co/episode-475-self-storage-startup-checklist-4-steps-owners-miss/ **Cap Rate, ROI & IRR Calculator** https://creatingwealththroughselfstorage.lpages.co/episode_472_cap-roi-irr-worksheet-2/ **The 4 Critical Metrics Download** https://creatingwealththroughselfstorage.lpages.co/episode-474-4-critical-metrics/ **Five Mistakes PDF* https://creatingwealththroughselfstorage.lpages.co/episode-473-5-mistakes-new-owners-make-in-self-storage/ **Q1 2026 Virtual Self Storage Bootcamp Sign Up** https://creatingwealththroughselfstorage.lpages.co/2026-q1-live-virtual-bootcamp/ **December 6, 2025 Fast-Track Your Self-Storage Success — Free Live Webinar** https://creatingwealththroughselfstorage.lpages.co/2025-q4-webinar/ **Cap Rate, ROI & IRR Calculator** https://creatingwealththroughselfstorage.lpages.co/episode_472_cap-roi-irr-worksheet-2/ **Online Courses at The Quickstart Academy** https://TheQuickStartAcademy.com/ **Listen on Apple Podcasts** ** 5 KPIs we measure** https://creatingwealththroughselfstorage.lpages.co/top-5-kpi-ebook/ **My blog** Creating Wealth Through Self Storage **Facebook** https://www.facebook.com/markhelmselfstorage/ **Twitter** Tweets by MarkHelmSelfSt **The Storage World Analyzer** http://storageworldanalyzer.com/ **The QuickStart Academy Store** https://quick-start-academy.myshopify.com

In today's episode, Dr. Dahle takes listeners on a journey through the past and future of the White Coat Investor, sharing how it all began and how it has grown into what it is today. He gives an inside look at the brand-new WCI website, which is more beautiful, modern, and easier to navigate than ever. Jim also opens up about new business ventures, personal reflections, lessons learned, and how he'll know when it's time to step back. It's a rare behind-the-curtain conversation that helps you get to know him and the mission of WCI on a deeper level. Today's episode is brought to us by SoFi, the folks who help you get your money right. Paying off student debt quickly and getting your finances back on track isn't easy, but that's where SoFi can help — they have exclusive, low rates designed to help medical residents refinance student loans—and that could end up saving you thousands of dollars, helping you get out of student debt sooner. SoFi also offers the ability to lower your payments to just $100 a month* while you're still in residency. And if you're already out of residency, SoFi's got you covered there too. For more information, go to https://www.whitecoatinvestor.com/Sofi SoFi Student Loans are originated by SoFi Bank, N.A. Member FDIC. Additional terms and conditions apply. NMLS 696891. The White Coat Investor has been helping doctors, dentists, and other high-income professionals with their money since 2011. Our free personal finance resource covers an array of topics including how to use your retirement accounts, getting a doctor mortgage loan, how to manage your student loans, buying physician disability and malpractice insurance, asset allocation & asset location, how to invest in real estate, and so much more. We will help you learn how to manage your finances like a pro so you can stop worrying about money and start living your best life. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you! Find 1000's of written articles on the blog: https://www.whitecoatinvestor.com  Our YouTube channel if you prefer watching videos to learn: https://www.whitecoatinvestor.com/youtube  Student Loan Advice for all your student loan needs: https://studentloanadvice.com  Join the community on Facebook: https://www.facebook.com/thewhitecoatinvestor  Join the community on Twitter: https://twitter.com/WCInvestor  Join the community on Instagram: https://www.instagram.com/thewhitecoatinvestor  Join the community on Reddit: https://www.reddit.com/r/whitecoatinvestor  Learn faster with our Online Courses: https://whitecoatinvestor.teachable.com  Sign up for our Newsletter here: https://www.whitecoatinvestor.com/free-monthly-newsletter  00:00 WCI Podcast #447 03:26 WCI Has a New Website! 05:26 The Past and Future of WCI

I've been focused on building a life around my family and self-care rather than fitting those things around a career. I've learned that there is much wisdom in slowing down and not keeping up a crazy pace. One thing that has helped me accomplish these goals is creating an online course. Even though I'm super grateful and blown away by the success, I made a lot of mistakes along the way. Join me as I share my insights and lessons learned. You'll Learn:The 10 biggest mistakes I made as an online course creator:1–I didn't understand how my childhood trauma affected my course pricing. Check out these resources: “The Psychological Price of Entrepreneurship” (Inc Magazine), We Should All Be Millionaires by Rachel Rodgers, and courses by Tiffany McLain.2–I gave my students lifetime access to coaching and community.This caused me to feel resentment for not charging more for that kind of access to me.3–I focused too much on gear instead of creating a steady marketing system. I have learned that marketing, which is not my strength, is all about authenticity and connection.4–I focused on being in the “middle of the pack” on pricing instead of in the upper tier.Ask yourself, “Do you want to be the Apple or the Walmart in your niche?”5–I didn't realize that I could invite students into other experiences beyond my course.Options include a mastermind, cohort-based course, and other recurring income buckets.6–I realized that looking at my bank account doesn't drive sales as testimonials do.7–I thought I'd be stuck on one business model, so I built a “strip mall model.”8–I thought having a mentor with a similar course meant that I couldn't create one.When someone else has a similar course, you can niche down into a more specific message.9–I was too concerned about the sale over the relationship.This came from a poverty mindset instead of the abundance mindset to which I aspire. 10–I didn't think about the one-off sale on the front end and the recurring invitation on the back. A certain number of students will want a more in-depth experience with us. Resources:Want to launch your online course?Join our Free 90-Minute Workshop happening on December 10th: Will AI Make My Course Irrelevant? Save your spot at sellingthecouch.com/aiwebinarCheck out our new membership site that's launching in January! Find out more and join the interest list for Haven.

One of the most challenging things for a leader is raising up more leaders to join them, particularly within a church congregation. In this conversation, Dave and Laura sit down with Dr. John H. Wilson, author of The Nehemiah Way: Mobilize a Church Full of Leaders. In his book, Dr. John provides a powerful strategy for how to not only create greater collaboration within your church body, but also ignite new leaders to say “yes” to engaging in what God is doing beyond the next volunteer event.Listen as we talk about the specific steps of this strategy, what it looks like to prepare for raising up new leaders, how the fast way isn't always the best way, the resistance leaders may encounter in their own hearts as they allow more collaboration in their church body, and much more!Stay tuned after the episode as Dave and Laura debrief this important conversation.Purchase The Nehemiah Way on Amazon or listen on Audible.Bulk orders for church mobilization initiatives, small groups, or Bible studies are available through Gospel Centered Discipleship.Here is a FREE RESOURCE KIT if you are implementing The Nehemiah Way at your church. This includes a Church Mobilization Diagnostic, Church Mobilization Checklist, and a 31-Day Nehemiah Reading Plan.You can also see content related to The Nehemiah Way on YouTube. This channel includes video breakdowns of Nehemiah chapter by chapter, applications of the book to developing and mobilizing leaders in your church, pastor interviews, daily readings, and more. The Nehemiah Way podcast with Dr. John is available on all podcast platforms including Spotify.For information about Workshops, Retreats, Online Courses, and other resources from The Nehemiah Way, please click here: https://www.thenehemiahway.com/forms/2149333994Contact Dr. John Wilson at John.Wilson@thenehemiahway.com.

In this episode of K9's Talking Scents, Cameron Ford sits down with world-renowned trainer Michael Ellis for one of the most in-depth conversations ever recorded on reinforcement theory, over-arousal, odor commitment, reward schedules, and why many detection dog programs unintentionally create false alerts.Together they break down the problems behind “reward-rich” training systems, how reinforcement can become punishing, why omission matters, and how to build dogs who persist, stay committed to odor, and search with accuracy — even in operational environments where rewards rarely come.This episode covers:• Why dogs become toy-obsessed instead of odor-committed• How handlers accidentally create false alerts• Why “continuous reinforcement” destroys operational reliability• Rewarding search vs rewarding finds• The science of frustration, dopamine, and over-performance• The difference between learning behavior and maintaining behavior• Why real-world deployments MUST be represented during training• How to introduce blanks, variable schedules, and expectation violation• "Satan's Infinite Loop" and how trainers build bad habits into dogs• Why many dogs don't indicate because they want the search to continue• How to build persistent, reliable, stable detection dogsIf you're a detection dog handler, trainer, supervisor, or K9 program manager, this is a masterclass.CHAPTERS00:00 — Intro & catching up01:00 — Online education & training libraries02:00 — Are rewards harming performance?05:00 — Reinforcement vs intrinsic motivation07:00 — Over-arousal in detection dogs08:30 — Searching for toys vs searching for odor10:00 — False alerts & frustration12:00 — The “cheat code” problem14:30 — Reward-rich environments vs real deployments17:00 — Continuous vs variable reinforcement19:00 — Training that mirrors real-world operations21:30 — Expectation violation & handler discomfort23:00 — Why easy training creates weak dogs26:00 — Dogs that quit vs dogs that persist28:00 — Reducing rewards without breaking the dog30:30 — Reading search behavior correctly32:00 — Consistency in training fundamentals35:00 — Foundation errors that create future problems38:00 — When to introduce blanks41:00 — Reinforcing end-of-search behaviors44:00 — Fixing continuously rewarded dogs47:00 — Why dogs miss the first odor49:00 — Over-arousal & compensation behaviors52:00 — Indication obsession & unintended consequences54:00 — Odor recognition vs sit/down behavior57:00 — Natural indications & reading the dog59:00 — Satan's Infinite Loop explained________________________________________

How to 10X Your Detailing Business Course episode 7 - What is the 10X Mindset and how to get it - This is a short and to the point training course about 10Xing your detailing business. In these courses, I talk about the 10X mentality, sales, and how to grow your business using the 10X business tactics. From Marketing and media production to lead generation and sales training. Thinking big and keeping your mind and body in great shape is the way to become extremely successful in business and in life. If you have any questions or comments about these episodes, please email me at Dave@PearlNano.com or call me directly at 808 779 7163. Thanks -David Elliott   P.S. If you are interested in amazing car care products and ceramic coatings, please head over to PearlNano.com and CallingAllDetailers.com - Sign up for your wholesale account and ask about our latest specials. Lastly, if you have always wanted to launch your own brand of car care products and ceramic coatings, then now is the time. Fill out the form on PrivateLabelCarCare.com and we can get started right away. 

How to 10X Your Detailing Business Course episode 6 - Why do people buy? Sales is all about emotions and if you can figure out why they need/ want your services or products, you will win in the game of business. This is a short and to the point training course about 10Xing your detailing business. In these courses, I talk about the 10X mentality, sales, and how to grow your business using the 10X business tactics. From Marketing and media production to lead generation and sales training. Thinking big and keeping your mind and body in great shape is the way to become extremely successful in business and in life. If you have any questions or comments about these episodes, please email me at Dave@PearlNano.com or call me directly at 808 779 7163. Thanks -David Elliott   P.S. If you are interested in amazing car care products and ceramic coatings, please head over to PearlNano.com and CallingAllDetailers.com - Sign up for your wholesale account and ask about our latest specials. Lastly, if you have always wanted to launch your own brand of car care products and ceramic coatings, then now is the time. Fill out the form on PrivateLabelCarCare.com and we can get started right away. 

How to 10X Your Detailing Business Course episode 5 - Sales Matters the MOST - This is a short and to the point training course about 10Xing your detailing business. In these courses, I talk about the 10X mentality, sales, and how to grow your business using the 10X business tactics. From Marketing and media production to lead generation and sales training. Thinking big and keeping your mind and body in great shape is the way to become extremely successful in business and in life. If you have any questions or comments about these episodes, please email me at Dave@PearlNano.com or call me directly at 808 779 7163. Thanks -David Elliott   P.S. If you are interested in amazing car care products and ceramic coatings, please head over to PearlNano.com and CallingAllDetailers.com - Sign up for your wholesale account and ask about our latest specials. Lastly, if you have always wanted to launch your own brand of car care products and ceramic coatings, then now is the time. Fill out the form on PrivateLabelCarCare.com and we can get started right away. 

How to 10X Your Detailing Business Course episode 8 - Marketing and Media is your friend, but you have to use it. This is a short and to the point training course about 10Xing your detailing business. In these courses, I talk about the 10X mentality, sales, and how to grow your business using the 10X business tactics. From Marketing and media production to lead generation and sales training. Thinking big and keeping your mind and body in great shape is the way to become extremely successful in business and in life. If you have any questions or comments about these episodes, please email me at Dave@PearlNano.com or call me directly at 808 779 7163. Thanks -David Elliott   P.S. If you are interested in amazing car care products and ceramic coatings, please head over to PearlNano.com and CallingAllDetailers.com - Sign up for your wholesale account and ask about our latest specials. Lastly, if you have always wanted to launch your own brand of car care products and ceramic coatings, then now is the time. Fill out the form on PrivateLabelCarCare.com and we can get started right away. 

How to 10X Your Detailing Business Course episode 12 - Building Your Dream 100 List - This is a short and to the point training course about 10Xing your detailing business. In these courses, I talk about the 10X mentality, sales, and how to grow your business using the 10X business tactics. From Marketing and media production to lead generation and sales training. Thinking big and keeping your mind and body in great shape is the way to become extremely successful in business and in life. If you have any questions or comments about these episodes, please email me at Dave@PearlNano.com or call me directly at 808 779 7163. Thanks -David Elliott   P.S. If you are interested in amazing car care products and ceramic coatings, please head over to PearlNano.com and CallingAllDetailers.com - Sign up for your wholesale account and ask about our latest specials. Lastly, if you have always wanted to launch your own brand of car care products and ceramic coatings, then now is the time. Fill out the form on PrivateLabelCarCare.com and we can get started right away. 

How to 10X Your Detailing Business Course episode 9 - The 10X Mindset Challege - This is a short and to the point training course about 10Xing your detailing business. In these courses, I talk about the 10X mentality, sales, and how to grow your business using the 10X business tactics. From Marketing and media production to lead generation and sales training. Thinking big and keeping your mind and body in great shape is the way to become extremely successful in business and in life. If you have any questions or comments about these episodes, please email me at Dave@PearlNano.com or call me directly at 808 779 7163. Thanks -David Elliott   P.S. If you are interested in amazing car care products and ceramic coatings, please head over to PearlNano.com and CallingAllDetailers.com - Sign up for your wholesale account and ask about our latest specials. Lastly, if you have always wanted to launch your own brand of car care products and ceramic coatings, then now is the time. Fill out the form on PrivateLabelCarCare.com and we can get started right away. 

How to 10X Your Detailing Business Course episode 10 - After consuming the 2 10X books, it's time for the second 10X Challenge. This is a short and to the point training course about 10Xing your detailing business. In these courses, I talk about the 10X mentality, sales, and how to grow your business using the 10X business tactics. From Marketing and media production to lead generation and sales training. Thinking big and keeping your mind and body in great shape is the way to become extremely successful in business and in life. If you have any questions or comments about these episodes, please email me at Dave@PearlNano.com or call me directly at 808 779 7163. Thanks -David Elliott   P.S. If you are interested in amazing car care products and ceramic coatings, please head over to PearlNano.com and CallingAllDetailers.com - Sign up for your wholesale account and ask about our latest specials. Lastly, if you have always wanted to launch your own brand of car care products and ceramic coatings, then now is the time. Fill out the form on PrivateLabelCarCare.com and we can get started right away. 

How to 10X Your Detailing Business Course episode 11 - The 10X ACTION Plan - This is a short and to the point training course about 10Xing your detailing business. In these courses, I talk about the 10X mentality, sales, and how to grow your business using the 10X business tactics. From Marketing and media production to lead generation and sales training. Thinking big and keeping your mind and body in great shape is the way to become extremely successful in business and in life. If you have any questions or comments about these episodes, please email me at Dave@PearlNano.com or call me directly at 808 779 7163. Thanks -David Elliott   P.S. If you are interested in amazing car care products and ceramic coatings, please head over to PearlNano.com and CallingAllDetailers.com - Sign up for your wholesale account and ask about our latest specials. Lastly, if you have always wanted to launch your own brand of car care products and ceramic coatings, then now is the time. Fill out the form on PrivateLabelCarCare.com and we can get started right away. 

How to 10X Your Detailing Business Course episode 14 - Learn New Skills To Pay The Bills - PDR - PPF - Wrap - This is a short and to the point training course about 10Xing your detailing business. In these courses, I talk about the 10X mentality, sales, and how to grow your business using the 10X business tactics. From Marketing and media production to lead generation and sales training. Thinking big and keeping your mind and body in great shape is the way to become extremely successful in business and in life. If you have any questions or comments about these episodes, please email me at Dave@PearlNano.com or call me directly at 808 779 7163. Thanks -David Elliott   P.S. If you are interested in amazing car care products and ceramic coatings, please head over to PearlNano.com and CallingAllDetailers.com - Sign up for your wholesale account and ask about our latest specials. Lastly, if you have always wanted to launch your own brand of car care products and ceramic coatings, then now is the time. Fill out the form on PrivateLabelCarCare.com and we can get started right away. 

How to 10X Your Detailing Business Course episode 13 - Breaking in to NEW markets - RV's, Aircraft or Boats. This is a short and to the point training course about 10Xing your detailing business. In these courses, I talk about the 10X mentality, sales, and how to grow your business using the 10X business tactics. From Marketing and media production to lead generation and sales training. Thinking big and keeping your mind and body in great shape is the way to become extremely successful in business and in life. If you have any questions or comments about these episodes, please email me at Dave@PearlNano.com or call me directly at 808 779 7163. Thanks -David Elliott   P.S. If you are interested in amazing car care products and ceramic coatings, please head over to PearlNano.com and CallingAllDetailers.com - Sign up for your wholesale account and ask about our latest specials. Lastly, if you have always wanted to launch your own brand of car care products and ceramic coatings, then now is the time. Fill out the form on PrivateLabelCarCare.com and we can get started right away. 

How to 10X Your Detailing Business Course episode 15 - Adding Xkote to your skillset - Info@XKOTE.com This is a short and to the point training course about 10Xing your detailing business. In these courses, I talk about the 10X mentality, sales, and how to grow your business using the 10X business tactics. From Marketing and media production to lead generation and sales training. Thinking big and keeping your mind and body in great shape is the way to become extremely successful in business and in life. If you have any questions or comments about these episodes, please email me at Dave@PearlNano.com or call me directly at 808 779 7163. Thanks -David Elliott   P.S. If you are interested in amazing car care products and ceramic coatings, please head over to PearlNano.com and CallingAllDetailers.com - Sign up for your wholesale account and ask about our latest specials. Lastly, if you have always wanted to launch your own brand of car care products and ceramic coatings, then now is the time. Fill out the form on PrivateLabelCarCare.com and we can get started right away. 

How to 10X Your Detailing Business Course episode 16 and the final chapter - It is no time to go out there and apply what you have learned here. If you forgot some of the information and books to read, go back and listen to the chapter again. Thank you for listening. I hope that this information was helpful. If you it was and you are now crushing it, please let me know. If you have any questions or comments about these episodes, please email me at Dave@PearlNano.com or call me directly at 808 779 7163. Thanks -David Elliott This is a short and to the point training course about 10Xing your detailing business. In these courses, I talk about the 10X mentality, sales, and how to grow your business using the 10X business tactics. From Marketing and media production to lead generation and sales training. Thinking big and keeping your mind and body in great shape is the way to become extremely successful in business and in life.    P.S. If you are interested in amazing car care products and ceramic coatings, please head over to PearlNano.com and CallingAllDetailers.com - Sign up for your wholesale account and ask about our latest specials. Lastly, if you have always wanted to launch your own brand of car care products and ceramic coatings, then now is the time. Fill out the form on PrivateLabelCarCare.com and we can get started right away. 

Boring Means Stable: Learning to Love Ordinary Days In this honest, meandering, and heart-centered solo episode, Patricia Young (she/her) opens up about feeling "not enough," while navigating overwhelm, managing PDA (Pervasive Drive for Autonomy. From decluttering and kayaking to the quiet comfort of boring days and the challenges of social invitations, Patricia invites listeners into the gentle, nonlinear process of living authentically as an AuDHDer. With humor and tenderness, she explores aging, family connection, holidays, and what it means to find peace amid imperfection. WHAT YOU'LL HEAR IN THIS EPISODE · ·  Warm check-in and reflection on recording after a long pause. ·  Questioning whether to focus on educational autism content vs. personal lived experiences. ·  Feeling conflicted about being "self-centered" but recognizing that stories are teaching. ·  Update on absence of neighborhood drama and emotional regulation progress. ·  Learning to accept being perceived and misunderstood without spiraling into shame. ·  The liberating philosophy of the "We Do Not Care Club" — embracing authenticity and dropping people-pleasing. ·  Honest reflections on living in a chronic state of "not enoughness." ·  Managing overwhelm, task initiation struggles, and executive dysfunction. ·  The surprising victory of small tasks — like finally writing and depositing a check. ·  Adjusting OCD medication and rediscovering emotional depth and aliveness. ·  The tension between stability, boredom, and gratitude. ·  Recognizing that neurotypical spaces often feel flat or alienating, while "your people" bring out your voice. ·  The resistance around novelty and social invitations, even for enjoyable experiences. ·  The humor and vulnerability of sharing internal dialogue with accepting friends. ·  ADHD-fueled hobby cycles, clutter, and the emotional complexity of decluttering as an ND person. ·  Reflections on attachment to objects, trauma, and "don't touch my stuff" energy. ·  Navigating change, potential regret, and the push-pull between freedom and familiarity. ·  Anticipating the kids moving in—balancing excitement, companionship, and uncertainty. ·  Thoughts on the holidays, overstimulation, and why Thanksgiving feels grounding and joyful. ·  PDA flare-ups, avoidance of even beneficial demands, and compassion for executive fatigue. SOUND BITES ·  "I've really been in this era of not enough. Whatever I do just doesn't feel like enough." ·  "People are going to have their own thoughts and judgments about us — and we can't control that." ·  "I'm just trying to appreciate boring days, because boring means stable." ·  "Even when it's something that will help me, if it feels like a demand, my brain just says no." ·  "You are not for everybody, and everyone is not for you." SENSITIVITY IS NOTHING TO APOLOGIZE FOR; IT'S HOW YOUR BRAIN IS WIRED You are not broken. You were shaped by systems that weren't built for you. You deserve rest, joy, and support exactly as you are. TOPICS COVERED (please adjust for addition of introduction) 00:00 Navigating Personal Updates and Autism Awareness PODCAST HOST Patricia Young (she/her) was a Licensed Clinical Social Worker for over 17 years, but she is now exclusively providing coaching. She knows what it's like to feel like an outcast, misfit, and truthteller.  Learning about the trait of being a Highly Sensitive Person (HSP), then learning she is AuDHD with a PDA profile, OCD and RSD, helped Patricia rewrite her history with a deeper understanding, appreciation, and a sense of self-compassion.  She created the podcasts Unapologetically Sensitive and Unapologetically AuDHD to help other neurodivergent folks know that they aren't alone, and that having a brain that is wired differently comes with amazing gifts, and some challenges.  Patricia works online globally working individually with people, and she teaches Online Courses for neurodivergent folks that focus on understanding what it means to be a sensitive neurodivergent. Topics covered include: self-care, self-compassion, boundaries, perfectionism, mindfulness, communication, and creating a lifestyle that honors you Patricia's website, podcast episodes and more: www.unapologeticallysensitive.com LINKS  We Do Not Care Club IG-justbeingmelani www.wedonotcareclub.com To write a review in itunes: click on this link https://itunes.apple.com/us/podcast/unapologetically-sensitive/id1440433481?mt=2 select "listen on Apple Podcasts" chose "open in itunes" choose "ratings and reviews" click to rate the number of starts click "write a review" Website--www.unapologeticallysensitive.com Facebook-- https://www.facebook.com/Unapologetically-Sensitive-2296688923985657/ Closed/Private Facebook group Unapologetically Sensitive-- https://www.facebook.com/groups/2099705880047619/ Instagram-- https://www.instagram.com/unapologeticallysensitive/ Youtube-- https://www.youtube.com/channel/UCOE6fodj7RBdO3Iw0NrAllg/videos?view_as=subscriber Tik Tok--https://www.tiktok.com/@unapologeticallysensitiv Unapologetically AuDHD Podcast-- https://unapologeticallysensitive.com/unapologeticallyaudhd/ e-mail-- unapologeticallysensitive@gmail.com Show hashtag--#unapologeticallysensitive Music-- Gravel Dance by Andy Robinson www.andyrobinson.com  

Today I'm joined by Victoria Thomas, a fabulous client of mine, who is sharing some fantastic wisdom about why we need to incorporate strength work into our classes and how to do it. Check out Vics' course here: https://www.yogateacherslab.com/yoga-for-strength-course-165869 and follow her on Insta here: https://www.instagram.com/victoriathomasosteoyoga/SHOP MY BLACK FRIDAY SALE! Coaching is 20% off for the rest of the month!The November sale info is here: https://www.amymcdonald.com.au/saleIf you value this show, please do consider supporting my work on Patreon. It's just $5 AUD a month and it makes a big difference to me. Here is the link: https://www.patreon.com/AmyMcDonald

Today we are talking with am Emergency Doc who has paid off over $500,000 in student loans in only 3 years! This couple committed to getting rid of these loans as fast as they could and chose to live like residents and pour everything they could into tackling them. He is the doc and she is a physical therapist who is pursuing PSLF to pay off her $185,000 of loans. They are excited to start tackling their next goals like making home improvements and paying off the mortgage. For Finance 101 we are talking about PSLF. This podcast is sponsored by Bob Bhayani at Protuity. He is an independent provider of disability insurance planning solutions to the medical community in every state and a long-time white coat investor sponsor. He specializes in working with residents and fellows early in their careers to set up sound financial and insurance strategies. If you need to review your disability insurance coverage or to get this critical insurance in place, contact Bob at https://whitecoatinvestor.com/protuity today by email info@protuity.com or by calling (973) 771-9100. The White Coat Investor has been helping doctors, dentists, and other high-income professionals with their money since 2011. Our free personal finance resource covers an array of topics including how to use your retirement accounts, getting a doctor mortgage loan, how to manage your student loans, buying physician disability and malpractice insurance, asset allocation & asset location, how to invest in real estate, and so much more. We will help you learn how to manage your finances like a pro so you can stop worrying about money and start living your best life. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you! Have you achieved a Milestone? You can be on the Milestones to Millionaire Podcast too! Apply here: https://whitecoatinvestor.com/milestones  Find 1000's of written articles on the blog: https://www.whitecoatinvestor.com  Our YouTube channel if you prefer watching videos to learn: https://www.whitecoatinvestor.com/youtube  Student Loan Advice for all your student loan needs: https://studentloanadvice.com  Join the community on Facebook: https://www.facebook.com/thewhitecoatinvestor  Join the community on Twitter: https://twitter.com/WCInvestor  Join the community on Instagram: https://www.instagram.com/thewhitecoatinvestor  Join the community on Reddit: https://www.reddit.com/r/whitecoatinvestor  Learn faster with our Online Courses: https://whitecoatinvestor.teachable.com  Sign up for our Newsletter here: https://www.whitecoatinvestor.com/free-monthly-newsletter  00:00 MtoM Podcast #250 01:20 $500k Student Loans Paid Off 09:15 Advice For Others 18:13 Public Service Loan Forgiveness Update

I'm not diagnosing or treating anything and I'm not telling anyone what they should do or what they should tell their patients to do. I'm sharing the research so that people can talk to their doctors about possible ways to reverse sarcopenia and fibrotic muscle and regain healthy fast-twitch muscle.     Online Courses: https://richardhazel.podia.com Black Friday discount on all courses  BLACKFRIDAY20 at checkout for 20% off courses and bundles of courses.     

Today we're joined by Sean Mullaney, an author and CPA who presented at this year's Bogleheads conference. We dive into smart ways to manage your taxes in retirement and explore the strategies that can make a meaningful difference over the long run. Sean walks us through when Roth conversions shine, when they don't, and how tax, retirement, and estate planning all fit together. If you want to feel more prepared for the financial side of retirement, this is an episode you won't want to miss. The discussion is intended to be for general educational purposes and is not tax, legal, or investment advice for any individual. Dr. Dahle and The White Coat Investor podcast do not endorse Sean Mullaney, Mullaney Financial & Tax, Inc. and their services. Median American wealth statistic source: https://www.ubs.com/us/en/wealth-management/insights/global-wealth-report.html  Today's episode is brought to us by SoFi, the folks who help you get your money right. Paying off student debt quickly and getting your finances back on track isn't easy, but that's where SoFi can help — they have exclusive, low rates designed to help medical residents refinance student loans—and that could end up saving you thousands of dollars, helping you get out of student debt sooner. SoFi also offers the ability to lower your payments to just $100 a month* while you're still in residency. And if you're already out of residency, SoFi's got you covered there too. For more information, go to https://www.whitecoatinvestor.com/Sofi SoFi Student Loans are originated by SoFi Bank, N.A. Member FDIC. Additional terms and conditions apply. NMLS 696891. The White Coat Investor has been helping doctors, dentists, and other high-income professionals with their money since 2011. Our free personal finance resource covers an array of topics including how to use your retirement accounts, getting a doctor mortgage loan, how to manage your student loans, buying physician disability and malpractice insurance, asset allocation & asset location, how to invest in real estate, and so much more. We will help you learn how to manage your finances like a pro so you can stop worrying about money and start living your best life. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you! Find 1000's of written articles on the blog: https://www.whitecoatinvestor.com  Our YouTube channel if you prefer watching videos to learn: https://www.whitecoatinvestor.com/youtube  Student Loan Advice for all your student loan needs: https://studentloanadvice.com  Join the community on Facebook: https://www.facebook.com/thewhitecoatinvestor  Join the community on Twitter: https://twitter.com/WCInvestor  Join the community on Instagram: https://www.instagram.com/thewhitecoatinvestor  Join the community on Reddit: https://www.reddit.com/r/whitecoatinvestor  Learn faster with our Online Courses: https://whitecoatinvestor.teachable.com  Sign up for our Newsletter here: https://www.whitecoatinvestor.com/free-monthly-newsletter  00:00 WCI Podcast #446 04:25 Sean Mullaney, CPA Interview 06:00 5 Phases of Retirement 09:40 Early Retirement 16:00 The Golden Years of Retirement 23:38 IRMA 26:51 Taking Social Security 31:33 Qualified Charitable Distributions 37:22 Required Minimum Distributions 42:27 Widow Tax Trap 47:14 RMDs Are Not Bad 50:05 Roth vs. Traditional 55:03 Buy, Borrow, & Die 01:00:06 Tax Planning To and Through Early Retirement

Our Featured Guest for today's call: Heather McKenzie, LCMHCSHeather McKenzie came through Online Course School as a beta student back in the fall of 2021. Online Course School is a live, eight-week experience that takes your online course from a simple idea all the way through the development stages so that you are ready to record. Heather created a course specifically focused on anxiety that can be found at Dial Down Anxiety. Like most of us who create an online course, she faced a common struggle about how to handle marketing time and costs to promote her course. Join us to hear the coaching call!McKenzie Counseling You'll Learn:How to handle logistical challenges in the online presentation of your courseWhy Heather's course is an eight-week course to help people understand anxiety and DBT emotion regulation skillsHow marketing options for an online course can be overwhelming for most people How to pinpoint your own superpowers in teaching and the style that works best for youHow to structure the content levels for promoting your course in six-month blocks:Start with webinars, both free and paid.Offer a downloadable guide or cheat sheet.Use a core blog post as a stand-alone feature that blows people away.Tips from Melvin about content levels:Offering too many things can confuse people, so stick with one core webinar.Less is more!Be thoughtful about using the words “webinar” and “workshop” so as not to intimidate people.Link your blog post videos to YouTube to drive more traffic back to your webinar.Consider that high-quality offerings through webinars, guides, and blog posts help to establish your authority as an expert and give people value that keeps them returning.How podcasting can help with future promotion by giving a call-to-action to your webinarWhy you need to take notes during the first offering of your course with beta students to know what content resonates the most; that content can be used for future free webinarsIn summary, five tools to market an online course that have evergreen potential:Webinar (start with live ones and then transition to evergreen ones)Downloadable guides or cheat sheetsCore blog postSelect podcast episodesMini-podcast Resources:Learn more at sellingthecouch.com/alma and get 2 months FREE–an exclusive offer for STC listeners. Want to launch your online course?Join our Free 90-Minute Workshop happening on December 10th: Will AI Make My Course Irrelevant? Save your spot at sellingthecouch.com/aiwebinarCheck out our new membership site that's launching in January! Find out more and join the interest list for Haven.

Ecclesiastes 3 describes God's design for life as a series of divinely appointed seasons, where every event, from birth to death, has its proper time. This "eternal perspective" suggests that God orchestrates the cycles of life and that humans should find contentment and purpose in their appointed season, recognizing that "He has made everything beautiful in His time".Ultimately, the passage encourages patience and trust in God's timing, a belief that even life's toil is good and part of His eternal purpose. Key themes from Ecclesiastes 3Divine timing: The most famous verse, "To everything there is a season, and a time for every matter under heaven" (Ecclesiastes 3:1), emphasizes that God has a specific and predetermined time for all events in life.Cycles of life: The passage lists many dualistic seasons, including "a time to be born, and a time to die; a time to plant, and a time to pluck up what is planted; a time to weep, and a time to laugh". This illustrates that life is a series of cycles, not a straight line.Finding purpose in toil: Verse 12 suggests finding joy and eating and drinking as a gift from God, and verse 13 states that there is nothing better for people "than to rejoice, and to do good in their life". This means we should take pleasure in our work and labor, knowing that it is good because it comes from God.God's eternal purpose: The passage concludes by pointing to God's eternal purpose, stating that "whatever God does, it shall be for ever" (Ecclesiastes 3:14). This encourages a long-term perspective, trusting that God will ultimately bring all things to account and that His work is perfect and lasting. Applying Ecclesiastes 3 to lifeEmbrace the present moment: Since God is in control of time and seasons, we should find contentment in the season of life we are in. This means appreciating the moment, rather than anxiously rushing to the next.Seek divine guidance: Recognize that God's plan for your life is larger and more complex than we can understand. The passage encourages us to align our actions with His wisdom, rather than pushing or rushing Him, and trust that He will accomplish what He has planned.Find satisfaction in work: Consider your work to be a gift from God, a calling to serve Him where you are placed. This mindset can help you find joy in your daily toil, even during difficult times.Look for hope and peace: The passage offers a message of hope and peace, encouraging us to trust in God's perfect timing, even when things are difficult. It suggests that the ups and downs of life are all part of His larger plan and that He will bring beauty to all of it in His time. Please SUBSCRIBE!Check out an Online Course at www.EQUIPPEDACADEMY.COMBecome a supporter of this podcast: https://www.spreaker.com/podcast/reason-for-truth--2774396/support.

In this episode of the Ardan Labs Podcast, Bill Kennedy talks with Catherine Johnson, VP of Global Solutions Engineering at Hydrolix, about her career journey through data management, scalability, and innovation. With a background spanning leadership roles at Hydrolix, Grafana Labs, and Oracle, Catherine shares insights into balancing engineering, entrepreneurship, and mentorship. She discusses the evolution of real-time data systems, the economics of storage, and the importance of data-driven decision-making. Catherine also opens up about taking a break from tech to teach dance, and how her passion for innovation and continuous learning fuels her leadership today.00:00 Introduction03:03 Data Management and Scalability05:58 Explosion of Data and Storage Needs09:01 Real-Time Data in Business14:49 Economics of Data Storage20:41 Education and Early Career31:09 Career Transitions and Growth46:10 Teaching Dance and Finding Balance53:16 Returning to Tech at Oracle01:08:10 Joining Elastic and Facing Burnout01:15:45 Leadership and Innovation at Hydrolix01:27:07 AI in Tech and Its LimitationsConnect with Catherine: LinkedIn: https://www.linkedin.com/in/catjopdx/Mentioned in this Episode:Hydrolix: https://hydrolix.io/Want more from Ardan Labs? You can learn Go, Kubernetes, Docker & more through our video training, live events, or through our blog!Online Courses : https://ardanlabs.com/education/ Live Events : https://www.ardanlabs.com/live-training-events/ Blog : https://www.ardanlabs.com/blog Github : https://github.com/ardanlabs

Today we are talking with an emergency doc who has become a multimillionaire. We love this conversation because he has the most boring and consistent financial story. He didn't build a real estate empire or get lucky with Crypto or some fancy investment. He just has a written financial plan that he has followed consistently. He built wealth the boring old fashioned way, with nothing fancy, but lots of success. He feels strongly about spending on what you are passionate about and being cheap on the things you don't care about. He spends lavishly on travel and even has a language tutor. He currently speaks 4 languages and has been to 45 countries. After the interview we are talking about real estate syndications for Finance 101. Mortar Group is a premier real estate investment firm focused on multifamily properties in both ground up and value add projects in the competitive markets of New York City since early 2000s. With over $300 million in assets under management and over 30 investments since inception, their fully integrated firm model allows Mortar to maximize efficiency and value across their investments in these niche markets. Mortar leverages over two decades of experience in architecture, development and asset management in their projects to build value and minimize risk for investors. Invest in tax efficient, high return, risk adjusted strategies with Mortar Group at https://whitecoatinvestor.com/mortar The White Coat Investor has been helping doctors, dentists, and other high-income professionals with their money since 2011. Our free personal finance resource covers an array of topics including how to use your retirement accounts, getting a doctor mortgage loan, how to manage your student loans, buying physician disability and malpractice insurance, asset allocation & asset location, how to invest in real estate, and so much more. We will help you learn how to manage your finances like a pro so you can stop worrying about money and start living your best life. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you! Have you achieved a Milestone? You can be on the Milestones to Millionaire Podcast too! Apply here: https://whitecoatinvestor.com/milestones  Find 1000's of written articles on the blog: https://www.whitecoatinvestor.com  Our YouTube channel if you prefer watching videos to learn: https://www.whitecoatinvestor.com/youtube  Student Loan Advice for all your student loan needs: https://studentloanadvice.com  Join the community on Facebook: https://www.facebook.com/thewhitecoatinvestor  Join the community on Twitter: https://twitter.com/WCInvestor  Join the community on Instagram: https://www.instagram.com/thewhitecoatinvestor  Join the community on Reddit: https://www.reddit.com/r/whitecoatinvestor  Learn faster with our Online Courses: https://whitecoatinvestor.teachable.com  Sign up for our Newsletter here: https://www.whitecoatinvestor.com/free-monthly-newsletter  00:00 MtoM Podcast #249 04:58 Emergency Doc Becomes a Multimillionaire 09:20 Advice For Others 21:35 Real Estate Syndications

This was a little mind-blowing to see this week. I was treating someone who had a stroke 20 years ago and then this happened!   HINT: There was a musculocutaneous nerve entrapment I wasn't expecting to see.      Online Courses: https://richardhazel.podia.com

This week, we break down what to know before buying into a practice, rethink what "net worth" really means, explore how to best use an Air National Guard retirement paycheck from 57 to 65, and highlight important basics on Special Needs Trusts. Today's episode is brought to us by SoFi, the folks who help you get your money right. Paying off student debt quickly and getting your finances back on track isn't easy, but that's where SoFi can help — they have exclusive, low rates designed to help medical residents refinance student loans—and that could end up saving you thousands of dollars, helping you get out of student debt sooner. SoFi also offers the ability to lower your payments to just $100 a month* while you're still in residency. And if you're already out of residency, SoFi's got you covered there too. For more information, go to https://www.whitecoatinvestor.com/Sofi SoFi Student Loans are originated by SoFi Bank, N.A. Member FDIC. Additional terms and conditions apply. NMLS 696891. The White Coat Investor has been helping doctors, dentists, and other high-income professionals with their money since 2011. Our free personal finance resource covers an array of topics including how to use your retirement accounts, getting a doctor mortgage loan, how to manage your student loans, buying physician disability and malpractice insurance, asset allocation & asset location, how to invest in real estate, and so much more. We will help you learn how to manage your finances like a pro so you can stop worrying about money and start living your best life. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you! Find 1000's of written articles on the blog: https://www.whitecoatinvestor.com  Our YouTube channel if you prefer watching videos to learn: https://www.whitecoatinvestor.com/youtube  Student Loan Advice for all your student loan needs: https://studentloanadvice.com  Join the community on Facebook: https://www.facebook.com/thewhitecoatinvestor  Join the community on Twitter: https://twitter.com/WCInvestor  Join the community on Instagram: https://www.instagram.com/thewhitecoatinvestor  Join the community on Reddit: https://www.reddit.com/r/whitecoatinvestor  Learn faster with our Online Courses: https://whitecoatinvestor.teachable.com  Sign up for our Newsletter here: https://www.whitecoatinvestor.com/free-monthly-newsletter  00:00 WCI Podcast #445 03:28 Buying into a Physician Owned Practice 11:42 What to Include in Net Worth 17:00 How to Think About a Pension 21:36 Managing a Special Needs Trust

Today's episode takes a closer look at a major passion of mine: online courses. Let's talk about the important questions to ask–and answer–before launching an online course. Join me!You'll Learn:How online courses can help fill in the gap for those who need mental health services7 Questions to Ask Before Launching an Online Course:Have people paid me one-on-one for this course idea?Can I see myself being in this space for 10+ years?Is this course idea confronting a “massive pain” vs. an “annoying inconvenience” for my audience?Can this population afford the course I'm selling? Do they have purchasing power?Is this a population that is easy to target and find online?Is my course idea a growing concern/need for my audience?Are there others out there creating information products for this niche?Resources:Learn more at sellingthecouch.com/alma and get 2 months FREE–an exclusive offer for STC listeners. Want to launch your online course?Please check out our free 7-Day Course Creator Starter Kit for Therapists at https://sellingthecouch.com/coursekit.Check out our new membership site that's launching in January! Find out more and join the interest list for Haven. Mentioned in this episode:Try Alma!Building and managing the practice you truly want can feel overwhelming. That's why Alma is here—to help you create not just any practice, but your private practice. With Alma, you'll get the tools and resources you need to navigate insurance with ease, connect with referrals that are the right fit for your style, and streamline those time-consuming administrative tasks. That means less time buried in the details and more time focused on delivering exceptional care to your clients. You support your clients. Alma supports you. Learn more at sellingthecouch.com/alma and get 2 months FREE—an exclusive offer for STC listeners.

No Room for In-Between: Literal Thinking and Communication Ruptures In this raw and honest episode, Patricia (she/her) shares her ongoing challenges with neurodivergent miscommunication, community rupture, and the emotional toll of being misunderstood. From neighborhood conflicts to horse training lessons, from cancel culture to navigating friendships and travel as an autistic person, Patricia opens up about the messy, contradictory realities of life, belonging, and growth. Listeners will walk away feeling less alone in their struggles with relationships, self-advocacy, and embracing both discomfort and joy. WHAT YOU'LL HEAR IN THIS EPISODE · Why Patricia didn't want to record this episode—and why she did anyway · The ongoing story of neighborhood rupture and the painful dynamics of miscommunication · How neurodivergent communication differences play into misunderstanding and conflict · The discomfort of being misunderstood as an autistic person who values precision and exactness · The struggle of wanting repair but receiving ongoing hurtful communication instead · Recognizing when "these are not our people" and finding peace in letting go · Cancel culture: when it's useful, when it's harmful, and Patricia's lived perspective · How language change matters—and conversations with her husband about accountability in speech · The empowerment that comes from horse training and facing fear with big draft horses · Lessons from working with animals: calm presence, assertiveness, and learning new leadership skills · Navigating differences in friendships around money, dining, and travel · The autistic push-pull between craving sameness and being invited into novelty · Strategies for managing overwhelm when faced with too many choices or new experiences · How safe friendships allow for authenticity and unmasking · The sadness and privilege of having barriers to change, novelty, and travel—and finding supportive companions · Building resilience through small trial runs and intentional fun · The importance of bumping up against resistance to live a fuller, lighter life · Patricia's reflections on aging, matching tattoos with her kids, and wanting to add more joy SOUND BITES · There are times when we need to speak up, and there are times when we need to let people misunderstand us and sit with the discomfort." · "If you're autistic, precision and exactness are high values—being misunderstood can feel unbearable." · "This isn't personal. This is about neurodivergent miscommunication. And that gave me relief—at least for a little while." · "I'm more than two-thirds through my life, and I want to whip it up a little bit. If you're going to do some fun stuff, you better do it soon." · "Sensitivity is nothing to apologize for. You are perfect exactly as you are in a world not made for us." SENSITIVITY IS NOTHING TO APOLOGIZE FOR; IT'S HOW YOUR BRAIN IS WIRED You are not broken. You were shaped by systems that weren't built for you. You deserve rest, joy, and support exactly as you are. TOPICS COVERED (please adjust for addition of introduction) 00:00 Navigating Neurodivergent Communication Challenges 09:40 The Impact of Cancel Culture on Relationships 19:11 Finding Community and Connection 25:07 Embracing Change and Personal Growth PODCAST HOST Patricia Young (she/her) was a Licensed Clinical Social Worker for over 17 years, but she is now exclusively providing coaching. She knows what it's like to feel like an outcast, misfit, and truthteller.  Learning about the trait of being a Highly Sensitive Person (HSP), then learning she is AuDHD with a PDA profile, OCD and RSD, helped Patricia rewrite her history with a deeper understanding, appreciation, and a sense of self-compassion.  She created the podcasts Unapologetically Sensitive and Unapologetically AuDHD to help other neurodivergent folks know that they aren't alone, and that having a brain that is wired differently comes with amazing gifts, and some challenges.  Patricia works online globally working individually with people, and she teaches Online Courses for neurodivergent folks that focus on understanding what it means to be a sensitive neurodivergent. Topics covered include: self-care, self-compassion, boundaries, perfectionism, mindfulness, communication, and creating a lifestyle that honors you Patricia's website, podcast episodes and more: www.unapologeticallysensitive.com LINKS  To write a review in itunes: click on this link https://itunes.apple.com/us/podcast/unapologetically-sensitive/id1440433481?mt=2 select "listen on Apple Podcasts" chose "open in itunes" choose "ratings and reviews" click to rate the number of starts click "write a review" Website--www.unapologeticallysensitive.com Facebook-- https://www.facebook.com/Unapologetically-Sensitive-2296688923985657/ Closed/Private Facebook group Unapologetically Sensitive-- https://www.facebook.com/groups/2099705880047619/ Instagram-- https://www.instagram.com/unapologeticallysensitive/ Youtube-- https://www.youtube.com/channel/UCOE6fodj7RBdO3Iw0NrAllg/videos?view_as=subscriber Tik Tok--https://www.tiktok.com/@unapologeticallysensitiv Unapologetically AuDHD Podcast-- https://unapologeticallysensitive.com/unapologeticallyaudhd/ e-mail-- unapologeticallysensitive@gmail.com Show hashtag--#unapologeticallysensitive Music-- Gravel Dance by Andy Robinson www.andyrobinson.com  

Today we are talking with a Veterinarian who has built enough wealth that he was able to cut back his days in clinic and can now spend more time with his family. He is especially enjoying coaching his kids soccer team. This two vet couple bought and built their own practice and have been highly successful all while living in California. After the interview we will be talking about cash balance plans for Finance 101. This podcast is sponsored by Bob Bhayani at Protuity. He is an independent provider of disability insurance planning solutions to the medical community in every state and a long-time white coat investor sponsor. He specializes in working with residents and fellows early in their careers to set up sound financial and insurance strategies. If you need to review your disability insurance coverage or to get this critical insurance in place, contact Bob at https://whitecoatinvestor.com/protuity today by email info@protuity.com or by calling (973) 771-9100. The White Coat Investor has been helping doctors, dentists, and other high-income professionals with their money since 2011. Our free personal finance resource covers an array of topics including how to use your retirement accounts, getting a doctor mortgage loan, how to manage your student loans, buying physician disability and malpractice insurance, asset allocation & asset location, how to invest in real estate, and so much more. We will help you learn how to manage your finances like a pro so you can stop worrying about money and start living your best life. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you! Have you achieved a Milestone? You can be on the Milestones to Millionaire Podcast too! Apply here: https://whitecoatinvestor.com/milestones  Find 1000's of written articles on the blog: https://www.whitecoatinvestor.com  Our YouTube channel if you prefer watching videos to learn: https://www.whitecoatinvestor.com/youtube  Student Loan Advice for all your student loan needs: https://studentloanadvice.com  Join the community on Facebook: https://www.facebook.com/thewhitecoatinvestor  Join the community on Twitter: https://twitter.com/WCInvestor  Join the community on Instagram: https://www.instagram.com/thewhitecoatinvestor  Join the community on Reddit: https://www.reddit.com/r/whitecoatinvestor  Learn faster with our Online Courses: https://whitecoatinvestor.teachable.com  Sign up for our Newsletter here: https://www.whitecoatinvestor.com/free-monthly-newsletter  00:00 MtoM Podcast #248 02:13 Veterinarian Is Able to Cut Back 17:52 Advice For Others 21:05 Cash Balance Plans

A lot of course creators are being told to just “go broad” with Facebook and Instagram ads right now… but that advice could easily waste your budget if your business isn't ready.  ‍‍ ‍‍Cut your lead gen costs in HALF with my $37 mini-course–NOW only $17!Watch Episode 972: Troubleshooting Facebook and Instagram Ads Increase in Cost Per Lead ‍‍ ‍‍I break down what open targeting really is, when it actually works, and the clear signals you should avoid it. I also share smarter targeting options I start with inside client accounts so you can bring in better leads without gambling your money away.‍‍ ‍‍ ‍‍‍‍ ‍‍ ‍‍‍‍ ‍‍ ‍‍‍‍Watch this episode on YouTube!‍‍ ‍‍ ‍‍Please click here to give an honest Rating/Review for the show on iTunes! Thanks for your support!‍‍ ‍‍ ‍‍Kwadwo [QUĀY.jo] Sampany-Kessie's Links:Get 1:1 Meta Ads Coaching from Kwadwo!Say hi to Kwadwo on InstagramSubscribe to The Art of Online Business's YouTube Channel

Today we're digging into the Model Context Protocol, or MCP. Think LSP for AI: build a small Python service once and your tools and data show up across editors and agents like VS Code, Claude Code, and more. My guest, Den Delimarsky from Microsoft, helps build this space and will keep us honest about what's solid versus what's just shiny. We'll keep it practical: transports that actually work, guardrails you can trust, and a tiny server you could ship this week. By the end, you'll have a clear mental model and a path to plug Python into the internet of agents. Episode sponsors Sentry AI Monitoring, Code TALKPYTHON NordStellar Talk Python Courses Links from the show Den Delimarsky: den.dev Agentic AI Programming for Python Course: training.talkpython.fm Model Context Protocol: modelcontextprotocol.io Model Context Protocol Specification (2025-03-26): modelcontextprotocol.io MCP Python Package (PyPI): pypi.org Awesome MCP Servers (punkpeye) GitHub Repo: github.com Visual Studio Code Docs: Copilot MCP Servers: code.visualstudio.com GitHub MCP Server (GitHub repo): github.com GitHub Blog: Meet the GitHub MCP Registry: github.blog MultiViewer App: multiviewer.app GitHub Blog: Spec-driven development with AI (open source toolkit): github.blog Model Context Protocol Registry (GitHub): github.com mcp (GitHub organization): github.com Tailscale: tailscale.com Watch this episode on YouTube: youtube.com Episode #527 deep-dive: talkpython.fm/527 Episode transcripts: talkpython.fm Theme Song: Developer Rap

In this special episode, we introduce a comprehensive online course designed to help chiropractors become cash confident. Led by experienced chiropractor Dr. Kevin Christie, the course features insights from experts Dr. Holly Tucker and Christine Odle. Over six lessons, participants will learn strategies for increasing revenue and profit margins, understanding financial reporting, planning cash flow, building financial security, reinvesting in their business, and devising a financial plan for 2026. Early bird pricing of $349 is available until November 15th, with the course commencing on December 1st. Participants will also have access to additional resources such as a Slack channel and a Q&A Zoom call.

In today's episode, we're tackling a wide range of listener questions. We'll break down the pros and cons of reinvesting dividends automatically versus manually, explore how to balance the risk of relying on a pension and 457(b) without over saving for retirement, and discuss whether side-gig income warrants forming an LLC or carrying separate insurance. We'll also address common 1099 pitfalls and wrap up with some timely guidance on 401(k) decisions. Today's episode is brought to us by SoFi, the folks who help you get your money right. Paying off student debt quickly and getting your finances back on track isn't easy, but that's where SoFi can help — they have exclusive, low rates designed to help medical residents refinance student loans—and that could end up saving you thousands of dollars, helping you get out of student debt sooner. SoFi also offers the ability to lower your payments to just $100 a month* while you're still in residency. And if you're already out of residency, SoFi's got you covered there too. For more information, go to https://www.whitecoatinvestor.com/Sofi SoFi Student Loans are originated by SoFi Bank, N.A. Member FDIC. Additional terms and conditions apply. NMLS 696891. The White Coat Investor has been helping doctors, dentists, and other high-income professionals with their money since 2011. Our free personal finance resource covers an array of topics including how to use your retirement accounts, getting a doctor mortgage loan, how to manage your student loans, buying physician disability and malpractice insurance, asset allocation & asset location, how to invest in real estate, and so much more. We will help you learn how to manage your finances like a pro so you can stop worrying about money and start living your best life. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you! Find 1000's of written articles on the blog: https://www.whitecoatinvestor.com  Our YouTube channel if you prefer watching videos to learn: https://www.whitecoatinvestor.com/youtube  Student Loan Advice for all your student loan needs: https://studentloanadvice.com  Join the community on Facebook: https://www.facebook.com/thewhitecoatinvestor  Join the community on Twitter: https://twitter.com/WCInvestor  Join the community on Instagram: https://www.instagram.com/thewhitecoatinvestor  Join the community on Reddit: https://www.reddit.com/r/whitecoatinvestor  Learn faster with our Online Courses: https://whitecoatinvestor.teachable.com  Sign up for our Newsletter here: https://www.whitecoatinvestor.com/free-monthly-newsletter 00:00 WCI Podcast #444 03:50 Reinvesting Dividends 08:39 Employer-Held Retirement Accounts 17:54 MEGA Backdoor Roth 22:55 LLC and Insurance for Side Gigs? 30:05 W-2 vs. 1099

Today we are talking to a primary care doc who has become a multimillionaire and is now essentially financially independent. Their financial success has allowed her career military spouse to retire. She said she loves her career and despite their financial situation she has no desire to quit working. They live in a high cost of living area and are a great example that if you do the right, boring, consistent thing over time - you will reach your financial goals. After the interview we are talking about financial independence for Finance 101. Goodman Capital is a premier real estate credit investment firm specializing in senior-secured, low loan-to-value lending on Class A properties in prime markets across the greater New York metro area. Founded on a family legacy dating back to 1987, Goodman has closed more than $850 million+ across 95+ loans with a track record of zero principal loss. Their flagship private mortgage REIT, Liquid Credit Strategy Fund I, delivered a steady 9% net dividend yield since inception at a very conservative sub-50% LTV. Invest in tax-efficient, high-yield, risk-adjusted debt investment strategies with Goodman Capital at https://www.whitecoatinvestor.com/goodman The White Coat Investor has been helping doctors, dentists, and other high-income professionals with their money since 2011. Our free personal finance resource covers an array of topics including how to use your retirement accounts, getting a doctor mortgage loan, how to manage your student loans, buying physician disability and malpractice insurance, asset allocation & asset location, how to invest in real estate, and so much more. We will help you learn how to manage your finances like a pro so you can stop worrying about money and start living your best life. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you! Have you achieved a Milestone? You can be on the Milestones to Millionaire Podcast too! Apply here: https://whitecoatinvestor.com/milestones  Find 1000's of written articles on the blog: https://www.whitecoatinvestor.com  Our YouTube channel if you prefer watching videos to learn: https://www.whitecoatinvestor.com/youtube  Student Loan Advice for all your student loan needs: https://studentloanadvice.com  Join the community on Facebook: https://www.facebook.com/thewhitecoatinvestor  Join the community on Twitter: https://twitter.com/WCInvestor  Join the community on Instagram: https://www.instagram.com/thewhitecoatinvestor  Join the community on Reddit: https://www.reddit.com/r/whitecoatinvestor  Learn faster with our Online Courses: https://whitecoatinvestor.teachable.com  Sign up for our Newsletter here: https://www.whitecoatinvestor.com/free-monthly-newsletter  00:00 MtoM Podcast #247 02:18 Primary Care Doc Becomes Multimillionaire and Retires Her Husband 11:56 Advice For Others 18:17 Financial Independence