Podcasts about spath

Terri Spath, chief investment officer at Zuma Wealth, talks about actionable steps investors can take now — and that she has taken for her clients — to mitigate anxiety amid the uncertainty of the current US stock market. Specifically, Spath is diversifying into investments that have a negative or no correlation to the U.S. market, buying gold, long-duration Treasury bonds and stepping up exposure to Germany and Japan; despite the turmoil, she still expects the stock market to finish 2025 with a solid year and reasonable gains. Chuck discusses what he took away from Fed Chairman Jerome Powell's speech last week at the Society for Advancing Business Editing and Writing Conference, and also lays out some key points that he believes will help investors get through what should be a very rough week. Plus Jillian Berman, a reporter and editor at MarketWatch, discusses her new book, "Sunk Costs: Who's to Blame for the Nation's Broken Student Loan System and How to Fix It."

Send us a textEvery criminal defense and other trial lawyer faces the possible moment of truth about how to handle an unjust judicial directive. This week's guest Rosa Eliades -- along with lead counsel Richard Kammen (who wore a kangaroo pin to Guantanamo court and has pointed words about the military commissions), and co-counsel Mary Spears -- in 2017 obtained approval from now-former Marine criminal defense Brigadier General John Baker to withdraw as civilian defense lawyers for Guantanamo defendant Abd Al-Rahim Hussein Muhammed Al-Nashiri, due to their not receiving judicial authorization to share critical but classified evidence with their client. The story did not end there, when their military commission judge -- Vance Spath -- not only would not accept that withdrawal, but ultimately ordered 21 days of home detention (later stayed by another authority) for contempt against that  general for correctly releasing the trio without first checking with judge Spath. I wrote more about this case in 2017, here. Rosa and Mary obtained relief from the D.C. Circuit in 2019 (In Re Spears & Eliades,  921 F.3d 224 (D.C. Cir. 2019), as a remedy for the conflict of interest of Judge Spath's (unrevealed to the defense in 2017) having had a pending application to be an immigration judge, through the same Justice Department involved in the prosecution of Mr. Al-Nashiri. What would have happened had that judicial conflict and related relief not taken place? Having been a contract lawyer rather than Defense Department employee, Rick Kammen separately obtained relief from Judge Spath's actions. Rosa continued until early this year doing criminal defense as a civilian lawyer with the U.S. Department of Defense's Military Commissions Defense Organization. Now she is based in Washington, D.C., with her solo law practice, also doing consulting for lawyers, with her company called Emergence Consultants. Rosa is the sixth among Trial Lawyers College attendees and instructors to appear on our podcast. Fairfax criminal lawyer Jon Katz attended in 1995. The TLC focuses heavily on winning through finding the persuasive story in our case, working closely with our clients, investing and integrating ourselves into our client's case and cause, discovery who we truly are as people and lawyers, and being our best real selves, engaging in psychodrama and scene re-enactment.This podcast with Fairfax, Virginia criminal / DUI lawyer Jon Katz is playable on all devices at podcast.BeatTheProsecution.com. For more information, visit https://KatzJustice.com or contact us at info@KatzJustice.com, 703-383-1100 (calling), or 571-406-7268 (text). If you like what you hear on our Beat the Prosecution podcast, please take a moment to post a review at our Apple podcasts page (with stars only, or else also with a comment) at https://podcasts.apple.com/us/podcast/beat-the-prosecution/id1721413675

Show Notes: Unlocking Potential with Reuben Spath – From Ironman to AI Innovation   Guest: Reuben Spath – Endurance Athlete, AI Innovator, and Entrepreneur   Host: Amb. Elisha   Episode Highlights:   In this episode, I sit down with the incredible Reuben Spath, a man who has pushed his limits physically, mentally, and professionally. From completing an Ironman to selling a successful tech startup, Reuben's journey is one of resilience, strategic thinking, and innovation.   Key Takeaways:   ✨ The Power of Investment in Yourself – We discuss why personal growth is the foundation of success, using the analogy of a mango tree that goes from barren to abundant through time and nurture.  

At the 2025 Iowa Pork Congress, Isaiah Spath, Sr. Validation Specialist at PIC, sat down with Rachel Fishback to discuss the Barn Ventilation Calculator, a practical tool designed to help pork producers optimize barn conditions.Isaiah explains how the calculator ensures proper air exchange, temperature control, and energy efficiency, ultimately improving animal welfare and production performance. He shares insights on how producers are using the tool in real-world applications and how PIC continues to develop solutions that make a difference in the industry.

Dr. Disha Spath, an internist and hospitalist based in upstate New York, shares her inspiring journey from India to the United States, reflecting on how personal hardships and cultural transitions shaped her views on success, financial stability, and the importance of financial literacy among physicians. She discusses the impact of a traumatic childhood loss, the financial challenges of medical education, and her determination to create a secure future for her children—free from the uncertainties of financial instability. Dr. Spath's story highlights her family's deep roots in healthcare and her father's struggles with mental health, which ultimately led to their relocation to the U.S. She recounts the challenges of adapting to a new culture, navigating language barriers, and overcoming socioeconomic obstacles. Her academic journey took her to the University of Georgia for her undergraduate studies and later to the Medical College of Georgia, where she faced the rigorous demands of medical training alongside the realities of significant student debt. As an attending physician, Dr. Spath recognized the widespread financial pressures faced by many in the medical profession. This realization led to the creation of her initiative, The Frugal Physician, which empowers fellow physicians to take control of their finances through mindful spending, strategic investing, and a frugal lifestyle. She outlines the key strategies she employed to become debt-free, including reducing unnecessary expenses, downsizing her living situation, and utilizing a debt snowball approach to accelerate loan repayment. Dr. Spath underscores the importance of maintaining a strong financial foundation by managing the gap between income and expenditures while maximizing financial efficiency. She advocates for early investing, understanding the tax code, and strategically leveraging debt for wealth-building opportunities. For further insights and resources, Dr. Spath offers financial guidance through her website, The Frugal Physician, and her podcast, Finding Financial Freedom with The Frugal Physician. She continues to foster discussions on financial well-being through her online community and social media platforms, encouraging physicians to take charge of their financial health.   -+=-+=-+=-+= Join the Conversation! We want to hear from you! Do you have additional thoughts about today's topic? Do you have your own Prescription for Success? Record a message on Speakpipe   Unlock Bonus content and get the shows early on our Patreon Follow us or Subscribe: Apple Podcasts | Google Podcasts | Stitcher | Amazon  | Spotify --- There's more at https://mymdcoaches.com/podcast Music by Ryan Jones. Find Ryan on Instagram at _ryjones_, Contact Ryan at ryjonesofficial@gmail.com Production assistance by Clawson Solutions Group, find them on the web at csolgroup.com

In this transformative episode of Healthy Waves, Avik Chakraborty sits down with two dynamic guests—Keldamuzik, a multifaceted artist and podcast host, and Reuben Spath, tech visionary and founder of the AI-driven health app Macromate. Together, they explore how incremental change, creative self-expression, and technology-driven support can elevate mental and physical well-being. From managing creative careers to achieving long-term health goals, this conversation highlights the importance of small, sustainable steps and resilience in the face of challenges.   About the Guests: Keldamuzik: Global artist, actress, and podcast host known for her hit singles and impactful Diva Talk podcast. Her journey embodies creativity, self-expression, and mental resilience. Reuben Spath: Ironman athlete, entrepreneur, and creator of Macromate, an innovative AI-driven app focused on personalized, incremental improvements in health and well-being. Reach Reuben: https://www.macromate.co.uk/   Key Takeaways: Small steps lead to sustainable change: Incremental wins, like journaling or healthy eating, build long-term habits. AI for well-being: Macromate offers personalized feedback to help users stay on track with their health goals. Creativity as therapy: Self-expression through art, writing, or other mediums can foster mental clarity and resilience. Mental discipline: Success is tied to personal discipline, planning, and the ability to adapt when needed. Overcoming challenges: Both guests share insights on navigating hurdles like public vulnerability and the patience needed for growth. Want to be a guest on Healthy Mind, Healthy Life? DM on PodMatch: DM Me Here:https://www.podmatch.com/hostdetailpreview/avik Subscribe to Newsletter:https://healthymindbyavik.substack.com/ Join Community:https://nas.io/healthymind Stay Tuned And Follow Us! YouTube:https://www.youtube.com/@healthymind-healthylife Instagram:https://www.instagram.com/podhealth.club/ Threads:https://www.threads.net/@podhealth.club Facebook:https://www.facebook.com/podcast.healthymind LinkedIn:https://www.linkedin.com/in/newandnew/ #podmatch #healthymind #healthymindbyavik #wellness

In this exciting episode of Healthy Mind, Healthy Life, we sit down with Reuben Spath, an Ironman triathlete, endurance athlete, and tech entrepreneur who has successfully blended his passion for fitness and AI innovation to create Macromate—an AI-powered health and well-being app. Reuben shares how his experiences in completing endurance events like the Ironman and Thames 100 km shaped his mental strength and how those lessons are embedded within Macromate to help users achieve their health goals with empathy and resilience. We also dive into the importance of balancing physical and mental wellness, how AI can be a powerful tool for holistic health, and ways to cultivate resilience in the face of challenges. If you've ever struggled to find the motivation to start or maintain a health journey, this episode is packed with actionable advice and tech-forward tools to help you along the way. About the Guest:   Reuben Spath is an Ironman triathlete, entrepreneur, and AI expert with a master's degree in Artificial Intelligence. With a passion for helping others reach their full potential, Reuben developed Macromate, an innovative app that takes a holistic approach to health and wellness, blending personalized nutrition tracking, journaling, and AI coaching. Key Takeaways:   The Macromate Edge: How this AI-powered health app personalizes user experiences, tracks progress, and promotes healthy, sustainable habits. Mental Strength is Key: Reuben's endurance events taught him resilience and the importance of "just one more step"—a mindset embedded in Macromate's coaching. Holistic Health Approach: Macromate integrates mental wellness through features like journaling, AI suggestions, and personalized goal-setting alongside physical health. Privacy and AI Balance: Reuben addresses user concerns by explaining how Macromate ensures privacy while leveraging AI for actionable recommendations. Proactive Health with AI: How AI innovations, such as predictive analytics and personalized coaching, can help users prevent health issues before they arise.   Words of Wisdom:   “Be kind to yourself. Set big, audacious goals, but make sure you take time to nurture your mind and body.” Connect with Reuben Spath:   Website:macromate.co.uk Macromate App: Available on the App Store (look for the green icon with an apple and a dumbbell) Socials: @ReubenSiggySpath on Instagram https://www.instagram.com/reubensigispath?igsh=MTRoNDAycmphMzVq https://www.linkedin.com/in/reuben-spath-67ba4616b?utm_source=share&utm_campaign=share_via&utm_content=profile&utm_medium=android_app https://x.com/ReubenSpath?t=cDxdqocU2qaOB9QG_PmQ9A&s=09 https://www.tiktok.com/@reubensigispath?_t=ZS-8tPW1ClIpXT&_r=1   Want to be a guest on Healthy Mind, Healthy Life? DM on PodMatch: DM Me Here Subscribe to Newsletter Join Community Stay Tuned and Follow Us! YouTube Instagram Threads Facebook LinkedIn #podmatch #AIhealth #mentalstrength #holistichealth #macromate #healthandwellness #resilience

By day, Dr. Disha Spath is an internist caring for her patient's physical and mental health.  By night, my she's known as The Frugal Physician and hosts the Finding Financial Freedom podcast. In this episode, Disha shares her personal journey from financial struggles to becoming an advocate for frugality and financial independence. She also discusses the differences between frugal and cheap, the gender wage gap, and strategies to manage income disparities in relationships.  *Trigger warning: There are brief mentions of suicide in this episode.  

In this episode of 'Money Meets Medicine,' hosts Justin Harvey and Dr. Jimmy Turner dive into techniques for overcoming decision fatigue to enhance financial efficiency. They discuss the advantages of minimizing choices, embracing core financial principles, and adopting automated systems to streamline decision-making. Key topics include the benefits of low-cost index funds, the impact of behavioral finance, balancing financial choices with personal values, and the importance of a strong savings rate. The episode provides valuable insights for medical professionals aiming to optimize their financial strategies and reduce stress. Every doctor needs disability insurance. To get it from a source you can trust, Visit https://moneymeetsmedicine.com/disability  Want a free copy of The Physician Philosopher's Guide to Personal Finance?  Visit https://moneymeetsmedicine.com  

In this episode of Finding Financial Freedom with The Frugal Physician, Dr. Spath is joined by Dr. Rikki Racela, a neurologist based in Englewood, NJ. Dr. Racela shares his journey from financial illiteracy to financial empowerment, discussing the mistakes he made early in his career—like falling into the trap of whole life insurance, pushed by a financial advisor friend. After discovering a love of personal finance, he turned his financial life around and now advocates for financial literacy among his colleagues and students. Together, Dr. Spath and Dr. Racela dive into how to pick the right financial advisor and, most importantly, how to avoid being ripped off by one. Learn how to spot red flags, avoid financial predators, and make informed decisions that will help secure your financial future. Don't miss this invaluable episode full of firsthand insights and tips to protect your wealth! This episode is sponsored by PearsonRavitz– Helping physicians safeguard their most valuable assets.  This episode is also sponsored by FacetWealth– Discover how Facet is transforming financial planning for physicians with personalized, flat-fee financial planning—visit facet.com/frugalphysician to start building your financial future today. —--- If you enjoyed the show, find and follow Dr. Disha everywhere else: Twitter Website Facebook The Frugal Physician's Facebook Group YouTube  ----------- Please note: The content shared on the podcast is for informational purposes only and should not be considered individualized financial advice. It is essential to consult with professionals such as accountants, financial advisors, or attorneys to receive personalized guidance based on your specific needs.

Dr. Disha tackles a recurring question in physician finance groups: “Can I afford this house?” Using a case study of the Smith family, she walks through the key financial ratios—HR1 (housing costs) and HR2 (debt-to-income)—that determine whether a home purchase is financially sustainable. Despite a $300K annual income, the family's student loan and car payments push their debt-to-income ratio to 42%, beyond the recommended 36%. Dr. Spath advises waiting to buy, paying off existing debts, and boosting savings before stretching for a home that could lead to financial strain.  —--- If you enjoyed the show, find and follow Dr. Disha everywhere else: Twitter Website Facebook The Frugal Physician's Facebook Group YouTube  ----------- Please note: The content shared on the podcast is for informational purposes only and should not be considered individualized financial advice. It is essential to consult with professionals such as accountants, financial advisors, or attorneys to receive personalized guidance based on your specific needs.

________ SUMMARY Starting with Alexander Hamilton's crucial role in establishing the early financial system of the United States, Dr. Disha explains how his legacy laid the foundation for the creation of the Federal Reserve in 1913.  The episode covers the Fed's tools for managing the economy, including the federal funds rate, reserve requirements, and open market operations, highlighting how these mechanisms impact everyday financial decisions.  Dr. Spath brings history to life with a focus on how the principles established by Hamilton continue to guide modern economic policy and influence our financial lives today. —---

________ SUMMARY In this repurposed episode from the Earn & Invest podcast, Dr. Disha joins Doc G to discuss the financial implications of an election year.  They explore how political uncertainty can impact personal finances, offering practical advice on maintaining financial stability amid the chaos.  From understanding market fluctuations to long-term investment strategies, Dr. Disha discusses how to stay financially resilient during tumultuous times without making hasty financial decisions. ABOUT THE EARN & INVEST PODCAST The Earn & Invest podcast, hosted by Doc G, is a compelling platform where finance meets real life. Designed for those interested in financial independence and personal finance strategies, the show features in-depth interviews and discussions with experts, entrepreneurs, and everyday people who have achieved financial success. KEY EPISODE HIGHLIGHTS [00:00:00] - Introduction: Dr. Disha Spath introduces the episode and mentions it's a repurposed episode from the Earn & Invest podcast. [00:02:00] - Financial Anxiety During Elections: Discussion on how election years can create financial anxiety and market volatility. [00:05:00] - Real-Life Examples: Doc G shares anecdotes of individuals making drastic financial decisions based on political fears. [00:10:00] - Market Behavior During Elections: Explanation of short-term market fluctuations and long-term investment impact. [00:15:00] - Legislative Impacts: How changes in legislation can affect personal finances, including tax policies and student loan forgiveness. [00:20:00] - Personal Financial Resilience: Tips on building a financial cushion and being frugal to withstand economic uncertainties. [00:25:00] - Global Diversification: Discussion on diversifying assets globally as a hedge against domestic political instability. [00:30:00] - Final Thoughts: Encouragement to vote and stay informed, but avoid making drastic financial moves based on election outcomes. [00:35:00] - Outro: Dr. Spath wraps up the episode, reminding listeners to stay frugal and financially savvy, and invites them to connect on her website and social media. —---

This episode is different. We talk with Disha Spath, The Frugal Physician, about the upcoming presidential elections. What does this mean to us financially? Are there specific fiscal moves we should make? Not Make? Disha and I talk politics...without talking politics. Learn more about your ad choices. Visit megaphone.fm/adchoices

________ Dr. Disha discusses the SAVE Plan, a student loan forgiveness initiative introduced by the Biden administration, now embroiled in legal battles.  The plan, designed to replace the REPAYE plan, offers significant concessions to borrowers but has faced lawsuits from Republican-led states.  With parts of the plan temporarily blocked and the issue likely heading to the Supreme Court, borrowers are placed in administrative forbearance.  Dr. Spath advises borrowers to stay informed, consider switching repayment strategies if close to forgiveness, and emphasizes the importance of voting in the 2024 election to influence the future of student loan policies. RESOURCES MENTIONED SAVE Plan - Saving on a Valuable Education Plan. Biden-Harris Administration - Initial attempts to provide student loan relief. HEROES Act of 2003 - Used by the administration to justify loan cancellation. Higher Education Act - Cited for introducing the SAVE Plan. Income-Driven Repayment Plans (IDR) - Comparison to the SAVE Plan. Public Service Loan Forgiveness (PSLF) - Impact of administrative forbearance on PSLF. Supreme Court - Legal challenges and potential rulings on the SAVE Plan. 2024 Election - Potential impact on the future of student loan forgiveness. Trump Administration - Previous stance on student loan forgiveness and proposals. Department of Education - Administrative actions and current status of the SAVE Plan. —---

Terri Spath, founder and chief investment officer at Zuma Wealth, says that the market is in the early stages of an impressive bull market, noting that the current rally is now about 20 months old and that the market has dramatic gains since hitting lows in October 2022, but she notes that the average bull market runs longer and gains more and there's still plenty of room for that. She says "We're feeling great about this market. We love it from a fundamental standpoint ... and on a technical basis because the trend continues to be up as well." While she does see the potential for a correction, she says the outlook for the rest of the year is strong. Ted Rossman, senior industry analyst at Bankrate.com discusses the site's recent study on side hustles, which found that 36% of American adults have a side hustle, with the average side hustler now making $891 per month. Plus, Chuck answers a listener's question about when to get travel insurance and when to leave home without it.

Dr. Disha Spath welcomes back Dr. Tarang Patel to discuss significant updates in healthcare and finance. They delve into Walmart's decision to shut down its healthcare centers, the FTC's move to ban non-compete agreements, and the growing trend of multifamily syndicators targeting physicians. The conversation also touches on the national radiologist shortage, the challenges of corporate healthcare, and the future of telehealth and AI investments. More on Dr. Tarang Patel: Dr. Tarang Patel is a renowned expert in physician finance, blending his extensive medical knowledge with sharp financial acumen. As a practicing radiologist, Dr. Patel understands the unique financial challenges physicians face and offers invaluable insights through his blog and podcast. He is a trusted advisor, helping his peers navigate the complexities of investment and financial management. Dr. Patel is known for his approachable style and commitment to educating physicians on achieving financial independence. His expertise and dedication make him a sought-after voice in the physician finance community. HIGHLIGHTS Highlights with Timestamps: Walmart's Healthcare Shutdown [00:01:00] Discussion on Walmart's decision to close healthcare centers and its implications. National Radiologist Shortage [00:02:00] Dr. Patel discusses the impact of the radiologist shortage on healthcare delivery. Challenges of Running Healthcare Businesses [00:03:00] Exploring the complexities of healthcare operations compared to other industries. FTC's Ban on Non-Compete Agreements [00:15:00] Analysis of the FTC's new rule and its potential impact on physicians. Personal Experiences with Non-Competes [00:17:00] Dr. Spath and Dr. Patel share their personal stories and read comments from other physicians. Multifamily Syndicators Targeting Physicians [00:24:00] Discussion on why physicians are prime targets for syndicators and the importance of due diligence. Investment Trends: Telehealth and AI [00:36:00] Insights into the future of telehealth startups and the current hype around AI investments. Cash or Crash Segment [00:35:00] Dr. Patel evaluates various financial trends and gives his investment advice. —---

In America alone, an estimated 11.3 million tons of textile waste – equivalent to 85% of all textiles – end up in landfills on a yearly basis (source: EPA). Today's guest, Grace Spath has many incredible talents as an artist, fiber artist, fashion designer, master of sewing textiles – and she's made it her mission to honor nature and our environment while she makes these works of art. She is a true inspiration to create mindfully. She wrote on her Etsy shop, ShopNeedlesandSpines, “When I became pregnant with my first child my husband and I stated that our life and our interests were to continue. Having children changes your life in so many ways, we didn't feel it should have to change the things we enjoy doing and who we are at our core.” That's right, sister! You do you! We discuss how she makes time for what she loves to do. She draws, dyes fabrics and fibers from nature, she shares her process of upcycling stuff that would otherwise be considered as “trash” into really rad new pieces, and she talks in-depth about being part of San Diego Fashion Week. Grace has lit up a creative fire in us and makes us think about our clothing consumption (thrifting and secondhand shopping is cool, guys!). We have a feeling she might inspire you, too. FOLLOW GRACE AND SHOP https://linktr.ee/needlesandspines https://www.instagram.com/needlesandspines/ https://www.instagram.com/thisisgracespath/ FOLLOW US https://www.instagram.com/realmotherfuckerspodcast/ https://www.youtube.com/@RealMoFosPodcast https://patreon.com/RealMotherFuckersPodcast DISCLAIMER This podcast has mature language and content. Moms ears only — don't have this one on with your kids in the room. These are our opinions and experiences as moms, take what you like, or leave it. Don't be thinking we're telling you what to do. Seek professionals, do your research, and call the experts for help. --- Support this podcast: https://podcasters.spotify.com/pod/show/realmotherfuckers/support

The CE experience for this Podcast is powered by CMEfy - click here to reflect and earn creditsOn this episode we have the wonderful Dr. Disha Spath:Board certified Internal MedicinePrimary care and hospitalist in Upstate New YorkFounder: The Frugal PhysicianHost: Finding Financial Freedom PodcastShe shares how she: Paid off her double six-figure student loans in less than 1.5 yearsCreated a more balanced life for herselfReinvigorated her love for medicineTeaches other physicians selective frugality and common sense investingInformation for Dr. Disha SpathWebsitePodcastInformation for Dr. Robyn Tiger & StressFreeMD:Check out StressFreeMDSchedule your FREE 30-Minute Stress Relief Strategy CallGet your 4 FREE stress relieving videosPhysicians: join our free private physicians-only Facebook groupREVIVE! Lifestyle Medicine Well-Being Group CoachingPrograms on Demand (+ CME):Rx Inner Peace: A Physician's Guide for Self-CareSelf-Care Shop: (open to all)Private 1:1 Coaching (+ CME)Follow me on Social Media: InstagramLinkedInFacebookTwitterPodcast websitePlease rate & Review the Show!Contactinfo@stressfreemd.net

Did you know that being frugal isn't the same thing as being cheap? There is a balance to all things, personal finance included. This means finding the balance between YOLO Hedonism and the hedonic treadmill and eat-raman-until-you-retire FIRE.  If you are looking to create financial independence as a physician, tune in as we discuss how to find this balance with Dr. Disha Spath of The Frugal Physician.  

After having kids and years of poor diet and lifestyle, Laura found herself morbidly obese and in poor health. Attempts at many diets had failed to maintain any results, so Laura turned to the unconventional carnivore diet, along with intermittent fasting, which calls into question most modern health advice. Laura lost over 100 pounds in under a year, reversing all of their health issues.  Laura and her husband Chris, who is also Carnivore, have two children, Penelope (9) and Nathaniel (7).  She works as a corporate trainer, finding time to produce content for YouTube and Instagram in her downtime. She shares a realistic approach to the carnivore diet with an emphasis on long-term sustainability in your everyday busy life. You can join her community by going to lauraespath.locals.com. Timestamps: 00:00:00 Trailer and introduction. 00:02:54 Weight loss success through carnivore diet boundaries. 00:06:22 Fun vacation snacks: local meats and cheeses. 00:09:06 Dried meat. Husband's take on carnivore diet. 00:11:06 Eating habits adjusted, loves one big meal. 00:15:37 I can't handle certain foods, but I'm content. 00:19:16 Weight loss journey, maintaining weight, building muscle. 00:22:21 Protein focus, flexible macros, hair loss issue. 00:25:20 Confident in carnivore diet, debunking health concerns. 00:29:05 Rural Indiana upbringing, homemade food, processed food. 00:34:39 Expensive, best decision, happy with skin surgery. 00:39:12 Mistake in food choices, need for consistency. 00:41:06 New beginner's guide to carnivore diet. 00:46:28 Carnivore diet gaining popularity and credibility. 00:48:53 Great seeing you, thanks for everything. Meet tomorrow. See open positions at Revero: https://jobs.lever.co/Revero/ Join Carnivore Diet for a free 30 day trial: https://carnivore.diet/join/ Carnivore Shirts: https://merch.carnivore.diet Subscribe to our Newsletter: https://carnivore.diet/subscribe/ . ‪#revero #shawnbaker #Carnivorediet #MeatHeals #HealthCreation   #humanfood #AnimalBased #ZeroCarb #DietCoach  #FatAdapted #Carnivore #sugarfree  ‪

Joining me today is Dr. Disha Spath, a practicing Primary Care physician and Hospitalist, and the founder and CEO of The Frugal Physician: an award-nominated multimedia company that focuses on personal financial empowerment for healthcare workers. She helps doctors avoid common money mistakes, and she's here to help me break down Chase's 5/24 rule.   Tune in this week for a simple explanation of the Chase 5/24 rule from somebody with a special interest in the rules that govern the most impactful rewards cards. We're discussing some common beginner mistakes, how these mistakes can stop you from getting new Chase rewards credit cards, and how you can avoid them on your own points journey.   Get full show notes and more information here: https://www.pointmetofirstclass.com/blog/chase-524-rule-disha-spath   Grab your spot inside Points Made Easy: https://www.pointmetofirstclass.com/pointsmadeeasy   Get my Cash-Back Credit Card Cheat Sheet: https://www.pointmetofirstclass.com/cashback

Rick Spath, cruise director once again on Crystal Serenity, talks with James Shillinglaw of Insider Travel Report about the refurbished ship's return to service along with 80 percent of its former crew. Spath, who was cruise director of Serenity for the former Crystal Cruises, details how he and his fellow crew members are thrilled to be back onboard, how the ship delivers great entertainment and dining, along with larger, renovated suites, and how it continues to deliver a truly Crystal luxury experience. For more information, visit www.crystalcruises.com. If interested, the original video of this podcast can be found on the Insider Travel Report Youtube channel or by searching for the podcast's title on Youtube.

Today, Hunter kicks off this week's theme of Guantanamo Bay coverage by speaking with BGen (Ret) John Baker. When John Baker took over as the lead defense counsel for the Military Commission Defense Organization at Guantanamo Bay, he could not imagine the abuse of power that he would go up against. From FBI informants being planted on the defense team, to classified surveillance of the conversations between defense counsel and client, and the brutal, nearly relentless torture of the detainees, John saw it all. Even with potential confinement looming over his head, John never stopped fighting for the rights of his clients.     Guests: BGen (Ret) John Baker, Chief Public Defender of the Federal District of Western North Carolina     Resources: John Baker Testimony to Senate Judiciary https://www.judiciary.senate.gov/imo/media/doc/Baker%20Testimony2.pdf  Guantánamo hearings halted amid accusations of FBI spying on legal team https://www.theguardian.com/world/2014/apr/14/guantanamo-bay-hearing-halted-fbi-spying John Baker Confinement Story https://www.politico.com/story/2017/11/03/john-baker-released-guantanamo-dispute-244523 Carol Rosenberg Writings on GITMO https://www.nytimes.com/by/carol-rosenberg Follow Carol on Twitter https://twitter.com/carolrosenberg?ref_src=twsrc%5Egoogle%7Ctwcamp%5Eserp%7Ctwgr%5Eauthor Follow John on Twitter https://twitter.com/jgbaker1806?lang=en Follow GITMO Watch on Twitter https://twitter.com/GitmoWatch?ref_src=twsrc%5Egoogle%7Ctwcamp%5Eserp%7Ctwgr%5Eauthor Baker v Spath https://casetext.com/case/brigadier-gen-john-g-baker-us-marine-corps-v-spath  UN Report on GTMO https://www.ohchr.org/en/press-releases/2023/06/expert-welcomes-historic-visit-united-states-and-guantanamo-detention    More from Nashiri Case https://www.justsecurity.org/63663/al-nashiri-iii-a-no-good-very-bad-day-for-u-s-military-commissions/   https://www.cadc.uscourts.gov/internet/opinions.nsf/9CE6ACFD2F534EA5852583DE004E14D3/$file/18-1279-1783057.pdf     Contact Hunter Parnell: Publicdefenseless@gmail.com  Instagram @PublicDefenselessPodcast Twitter                                                                 @PDefenselessPod www.publicdefenseless.com  Subscribe to the Patron www.patreon.com/PublicDefenselessPodcast  Donate on PayPal https://www.paypal.com/donate/?hosted_button_id=5KW7WMJWEXTAJ Donate on Stripe https://donate.stripe.com/7sI01tb2v3dwaM8cMN  

Hey everyone we're back! Shea is back in Milford after a relaxing trip to Texas with his kids. We talk to the guys about their picks, Bad Larry's vacation and we get into a debate whether there's a Heaven or not, enjoy!See omnystudio.com/listener for privacy information.

Things Discussed: Craig responds to Spath re: his fandom and player movement. Craig tells the Tamakwa "Will Peach Pie Do?" story. NBA Draft: Not surprised that Kobe Bufkin is ahead of Jett Howard because he's the better basketball player. Kobe is actually what they call 6'6"—calling him 6'4" is doing him a disservice. John Thompson: Start with something you can do elite first. Counterpoint: Every coach thinks they can build a great player. Jett has an elite skill, needs the right team, would LOVE to go to Miami, would be another Duncan Robinson. Beilein to WVU? Lol no. Seth: He's one of those retired guys that people think can still coach because he still has his hair. Like remember how they kept bringing up Chuck Dailey? What happened with Reeves? What does MBB do now? Go full Rutgers? Jim Knowles: There are several DCs around this league who would have been better ideas. What happened vs Michigan? Not Illinois because they had a high safety and disguised things. Knowles lost the thread of the rivalry. Michigan-Ohio State is about two great teams being the best version of themselves. Ohio State got too used to having the better players. Does he have the better players on defense? Cam Martinez: Not supposed to be over Cornelius Johnson in the slot on an all-way go. Lathan Ransom had the worst hypothetical UFR game we've ever seen. Involved in most of the big breakdowns. Brian's had a tennis game like that before. Hockey's new assistants: Smart and young.

Special thanks to our Title Sponsor, Set for Life Insurance – Life, Disability, and Long-Term Care Coverage for a secure future.  —---- In this episode, Dr. Disha interviews her husband, Josh Spath, an IT project manager with a background in the US Army Signal Corps. Josh talks about his passion for technology and how it has always been his hobby and interest. He also shares his upbringing, where the financial side of things was never really brought up in his house. His parents taught him to work hard, save money in the bank, and retire. Josh's dad also had a pension from being a state worker for over 30 years. Dr. Disha created this podcast to share her story and provide guidance to those who feel trapped in their financial circumstances. Let's join forces, take charge of our finances, and work together towards the ultimate goal of financial freedom.  Share this podcast with friends and colleagues who may benefit from this transformative journey. It's time to embrace change and embark on the path to financial freedom. If you enjoyed the show, find and follow Dr. Disha everywhere else: Twitter Website Facebook The Frugal Physicians Facebook Group YouTube (Coming Soon!) ----------- Looking for something specific in this show? Here you go! [00:02:15] Financial challenges during medical training.  [00:04:41] Court wedding and deployment.  [00:09:57] Financial epiphany during maternity leave.  [00:11:43] Sacrifices for family life.  [00:15:10] Budgeting as a diagnostic tool.  [00:19:03] Paying off  over $250,000.  [00:24:03] Financial freedom advice.  Please note: The content shared on the podcast is for informational purposes only and should not be considered individualized financial advice. It is essential to consult with professionals such as accountants, financial advisors, or attorneys to receive personalized guidance based on your specific needs.

Special thanks to our Title Sponsor, Set for Life Insurance – Life, Disability, and Long-Term Care Coverage for a secure future.  —---- Five years ago, Dr. Disha reached a breaking point in her career. She was overwhelmed, burnt out, and feeling pulled in multiple directions without making progress in any of them. Determined to change her life, she took a hard look at her financial situation and devised a plan to pay off her debt. Through budgeting, cutting expenses, and stepping into the stock market, she managed to eliminate her debt burden and create a financial cushion. This newfound financial freedom gave her the opportunity to design a life on her own terms. She adjusted her work schedule, pursuing her passion project and rediscovering the joys of tennis and music. She learned that having financial stability and reducing debt not only provides options but also empowers you to live a life aligned with your values. Dr. Disha created this podcast to share her story and provide guidance to those who feel trapped in their financial circumstances. Let's join forces, take charge of our finances, and work together towards the ultimate goal of financial freedom.  Share this podcast with friends and colleagues who may benefit from this transformative journey. It's time to embrace change and embark on the path to financial freedom. If you enjoyed the show, find and follow Dr. Disha everywhere else: Twitter Website Facebook The Frugal Physicians Facebook Group YouTube (Coming Soon!) ----------- Looking for something specific in this show? Here you go! 00:00: Introduction and background:  Dr. Disha Spath shares her personal journey and the importance of financial empowerment for physicians. 02:15: Student loans and early financial decisions:  Dr. Spath discusses her experiences with student loans, financial choices during undergrad and medical school, and the impact of taking a year off to teach in Southern California. 07:35: Career and family decisions:  Dr. Spath talks about meeting her husband, their career choices, buying a house for rental purposes, and the financial challenges they faced while starting a family. 14:05: Debt and financial struggle:  Dr. Spath reveals the extent of their debt, including student loans, mortgage, and car loans, and how they were living paycheck to paycheck despite appearances. 18:20: Realization and seeking financial advice:  Dr. Spath shares her realization during maternity leave, meeting with a financial advisor, and taking steps to improve their financial situation. 23:30: Debt repayment strategy:  Dr. Spath explains their decision to adopt the Dave Ramsey method, track expenses, create a budget, and prioritize paying off debts using the snowball method. 27:40: Overcoming lifestyle inflation:  Dr. Spath describes how they resisted lifestyle inflation when buying a new car and chose to pay with cash instead of taking on more debt. 31:25: Focusing on student loans:  Dr. Spath discusses their decision to focus on paying off student loans and the considerations behind their move to Albany, New York. 35:10: Conclusion and future plans:  Dr. Spath reflects on their progress, moving to Albany, and their commitment to financial freedom.   Please note: The content shared on the podcast is for informational purposes only and should not be considered individualized financial advice. It is essential to consult with professionals such as accountants, financial advisors, or attorneys to receive personalized guidance based on your specific needs.  

In the debut episode of the Finding Financial Freedom Podcast with The Frugal Physician, Dr. Disha Spath takes you on an exciting financial adventure to revolutionize your relationship with money. As a full-time practicing internal medicine physician and a first-generation immigrant, Dr. Spath shares her personal journey of overcoming financial challenges and transforming her financial situation. In this podcast, Dr. Spath will outline the eight-step strategy that helped her family achieve financial stability. She also promises to provide valuable insights from experts in personal finance and wealth management through interviews and discussions. Join Dr. Spath on this journey to financial health and beyond. Subscribe now and embark on a path towards finding financial freedom. If you enjoyed the show, find and follow Dr. Disha everywhere else: Twitter Website Facebook The Frugal Physicians Facebook Group YouTube (Coming Soon!) ----------- Looking for something specific in this show? Here you go! [00:00:22] Introduction: Josh introduces the podcast and welcomes listeners to revolutionize their relationship with money. [00:00:41] Meet Dr. Disha Spath:  Dr. Spath introduces herself as a full-time practicing internal medicine physician and shares her background in personal finance writing and podcasting. [00:01:08] Financial Journey Beginnings: Dr. Spath talks about her limited money management knowledge growing up in a first-generation immigrant family and the financial choices she and her husband made early in their careers. [00:01:31] Reaching a Breaking Point: Dr. Spath explains how they found themselves deep in student debt and unhappiness despite their apparent success, leading to a decision to take control of their financial situation. [00:01:48] Embracing Frugality and Mindful Spending: Dr. Spath discusses their journey of paying off debt, starting with cars and student loans by adopting frugality and mindful spending practices. [00:02:34] Astonishing Results: Dr. Spath shares the incredible outcome of their financial transformation in just five years through debt payoff and strategic investments. [00:03:00] Financial Freedom for All: Dr. Spath emphasizes that financial freedom is possible for everyone, regardless of background, income, or profession, and highlights the importance of education and applying foundational money management principles. [00:03:39] Podcast Overview: Dr. Spath introduces the eight-step strategy she will share in upcoming episodes to help listeners achieve financial health. She also mentions featuring interviews with experts in personal finance and wealth management. [00:03:47] Closing Remarks: Reminder that listeners should seek personalized guidance from professionals such as accountants, financial advisors, and/or attorneys.  Please note: The content shared on the podcast is for informational purposes only and should not be considered individualized financial advice. It is essential to consult with professionals such as accountants, financial advisors, or attorneys to receive personalized guidance based on your specific needs.  

Terri Spath, chief investment officer at Zuma Wealth, says that investors should be looking for ways to play a slowing economy and a light recession, and she says that international stocks are likely to outperform U.S. stocks while that plays out. She also is adding to domestic fixed-income exposure with both Treasuries and high-yield corporates, noting that the latter is an asset class she would not have touched as recently as last year. The show also debuts a new regular feature called 'Find Me the Money,' featuring forensic accountant Tracy Coenen talking all about the importance of honest family conversations and disclosures about money. Plus, Matt Brannon discusses a recent Clever Real Estate survey on how Americans are feeling and handling financial stress, and Chuck answers a question about the new Apple savings account, the technology giant's latest foray into the financial world.

BIO: Terri Spath is the founder and CIO of Zuma Wealth LLC and has earned top performance marks stewarding billions of dollars at large investment shops through the booms and busts of the past quarter-century.STORY: At the height of the Dotcom boom, Terri bought—on behalf of clients—some terrific companies because she knew how to value, assess, and analyze them. But she kept holding onto the companies when the market tanked instead of selling.LEARNING: Know when to buy and when to sell. Don't get too attached to your favorite stocks. “If you have great self-discipline, you can figure out how to make money in your sleep.”Terri Spath Guest profileTerri Spath is the founder and CIO of Zuma Wealth LLC and has earned top performance marks stewarding billions of dollars at large investment shops through the booms and busts of the past quarter-century.A renowned expert, Terri is a regular CNBC and Bloomberg TV guest and a sought-after industry speaker. She was named a “Top 10 Inspiring Women of 2022” and shortlisted by the Women in Asset Management awards. She has earned the CFA charter, the CFP® certification, an MBA from Columbia University, and an AB from the University of Michigan.Terri started investing when her father introduced her to the concept of compound interest when she learned she could make money in her sleep.Worst investment everWhen Terri came out of Columbia Business School, she got hired by a big company on the West Coast. She had already started investing, as she had learned a lot when studying for her CFA. The philosophy of Columbia Business School is very much in line with Benjamin Graham and Warren Buffett. The philosophy is that value investing relies on picking good companies that have great moats around them and strong management, and you can buy them at a dirt-cheap price. Terri came out of Colombia, well-trained in that arena, and when she started working for the big company, she started putting those ideas to work.At the time, more and more technology and internet companies were coming out. Terri was assigned to the industry and covered all the stocks under that umbrella. She was buying conservatively, following what she had learned at Columbia about buying stuff cheap. Terri didn't get trapped in the excitement of the new companies. She followed the philosophy she had learned.Terri bought some terrific companies on behalf of clients because she knew how to value, assess, and analyze them. Terri believed she had made good purchases.The frenzy and excitement in internet retail and technology companies pulled the market up. Then some of those companies started to collapse. This ripple effect killed the technology stocks, the NASDAQ, and the broader markets.When everything started going down, Terri decided to hang onto those stocks. She didn't acknowledge it was time to sell. Terri's biggest mistake was holding onto what she thought were great companies in terrible markets.Lessons learnedPay attention to the broader markets too.Have the discipline to evaluate when to buy and when to fold to avoid losing your profits.Don't get too attached to your favorite stocks; always know when to get out.Make sure that you understand the risk.Most investors tend to be better at one side of the trade than the other, but balancing both sides will bring you more success.Have a sell strategy and apply it regularly.Andrew's takeawaysEmploy stop losses to help

Dr. Disha Spath shares why diversifying income helps to overcome burnout Episode 2209: My Solution to Overcoming Burnout: Diversify My Income by Dr. Disha Spath The White Coat Investor is the most widely-read, physician-specific personal finance and investing website in the world. It is the premier resource for high income professionals looking for unbiased information about all things financial or simply a referral to a trusted professional providing good advice at a fair price. What started as a simple blog has grown into a multi-media company that will provide you the financial information you need in whatever format you prefer. The original post is located here: https://www.whitecoatinvestor.com/my-solution-to-overcoming-burnout-diversify-my-income/  Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Dr. Disha Spath shares why diversifying income helps to overcome burnout Episode 2209: My Solution to Overcoming Burnout: Diversify My Income by Dr. Disha Spath The White Coat Investor is the most widely-read, physician-specific personal finance and investing website in the world. It is the premier resource for high income professionals looking for unbiased information about all things financial or simply a referral to a trusted professional providing good advice at a fair price. What started as a simple blog has grown into a multi-media company that will provide you the financial information you need in whatever format you prefer. The original post is located here: https://www.whitecoatinvestor.com/my-solution-to-overcoming-burnout-diversify-my-income/  Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Today Dr. Spath has a great conversation with Monica Scudieri. She is a personal finance coach, author, and blogger who has over ten years of experience in the FIRE movement through her own journey. She is the author of Grab Your Slice of Financial Independence and writes at https://ThePieceOfThePie.com. Monica shares some of her journey around the challenges of divorce, single parenting, learning through trial and error about real estate and finances and how to make the most of life. As healthcare evolves, it means greater opportunities for you. You can learn about the growing need for locum tenens from the creators of the industry, CompHealth. These short-term assignments allow you to pay down your student loan debt faster or earn extra income. Locums also provides flexibility of schedule and location for better work-life balance. In addition to assignments across the US and abroad, CompHealth provides personalized, high-quality service, which means exploring additional options, such as a medical mission, telehealth work, or even a permanent position, and help with your CV, contract negotiations, and more. Connect with an expert at https://CompHealth.com The White Coat Investor has been helping doctors with their money since 2011. Our free financial planning resource covers a variety of topics from doctor mortgage loans and refinancing medical school loans to physician disability insurance and malpractice insurance. Learn about loan refinancing or consolidation, explore new investment strategies, and discover loan programs for specifically aimed at helping doctors. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor channel is for you! Main Website: https://www.whitecoatinvestor.com  YouTube: https://www.whitecoatinvestor.com/youtube  Student Loan Advice: https://studentloanadvice.com  Facebook: https://www.facebook.com/thewhitecoatinvestor  Twitter: https://twitter.com/WCInvestor  Instagram: https://www.instagram.com/thewhitecoatinvestor  Subreddit: https://www.reddit.com/r/whitecoatinvestor  Online Courses: https://whitecoatinvestor.teachable.com  Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter 

Today  Dr. Dahle and Dr. Spath answer your questions about Charitable giving. They get into the details of charitable gift annuities, what level of transparency churches are required to have in regards to donations, answer if it is better to donate appreciated stock for charity or to use it to offset capital losses, as well as share their favorite ways to donate. After all of that they tackle an array of questions about bonds. A lot of physicians have questions about locum tenens, and https://locumstory.com is the place for them to get real, unbiased answers to those questions, basic questions like, "What is locum tenens?" to more complex questions about pay ranges, taxes, various specialties, and how locum tenens works. And then there's the big question: is it right for you? Go to https://locumstory.com and get the answers. The White Coat Investor has been helping doctors with their money since 2011. Our free financial planning resource covers a variety of topics from doctor mortgage loans and refinancing medical school loans to physician disability insurance and malpractice insurance. Learn about loan refinancing or consolidation, explore new investment strategies, and discover loan programs for specifically aimed at helping doctors. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor channel is for you! Main Website: https://www.whitecoatinvestor.com  YouTube: https://www.whitecoatinvestor.com/youtube  Student Loan Advice: https://studentloanadvice.com  Facebook: https://www.facebook.com/thewhitecoatinvestor  Twitter: https://twitter.com/WCInvestor  Instagram: https://www.instagram.com/thewhitecoatinvestor  Subreddit: https://www.reddit.com/r/whitecoatinvestor  Online Courses: https://whitecoatinvestor.teachable.com  Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter 

On our forty fifth episode, Allen talks to long term cycling friends Phil Smith and Jacob Spath who met on a group ride in and rode together for a while out of Quincy, Illinois!!! Phil still resides in Quincey and rides every morning, while Jacob moved to Bettendorf, Iowa. Both gentlemen discuss their love of gravel riding and racing, cyclocross, the state of gravel cycling, crit racing, crit beef, exploring new places to ride, and so much more!!! It's a passionate, informative, and lighthearted listen!!! Thanks for joining us for this episode!!! We apologize for the background noise in the episode since Jacob was traveling with his family during this recording!!! Patreon: https://www.patreon.com/stokedonspokespodcast Facebook: The Stoked On Spokes Podcast | Facebook Instagram: https://www.instagram.com/stokedonspokespodcast/

 In this episode, Dr. Disha Spath shared "Having a student loan plan" with us.This is part of the Recession RX series that I did where I interviewed humans that are doing amazing things and sharing how they are prepping themselves for the recession.Here is the deal. This is a gift of love. And I have three to ask of you.1. listen, enjoy, and take action.2. I want you to take this information and share it with those that you like. Share itwith your friends. Share it with your neighbors. Share with your colleagues. Let's get the word out because we are going to be prepped. Not panicked.3.  I want you to leave us a review and let us know exactly what you love about this episode.This is a 100% free gift to you but I would love it if you do all those three things. Don't forget to tag me @MoneyFitMDDr. Disha Spath is a board-certified Internal Medicine Physician for Dartmouth Hitchcock Putnam Physicians.  She is also the founder and CEO of The Frugal Physician, a site focused on providing money-saving tips and discounts for healthcare professionals, as well as education on personal financial principles.   She is a graduate of the University of Georgia Honors Program, the Medical College of Georgia, and The University of Tennessee-Nashville Internal Medicine residency program.  She is a contributor to NBC Universal's personal finance site: Grow.Acorns.com and has been featured on CNBC and Forbes. https://www.thefrugalphysician.com To download a Recap of The Recession Rx and to join The Money School for women physicians where we combine the Power of education, coaching, and community, visit https://www.moneyfitmd.com/work-with-me to schedule a callEnjoyed the episode? Leave us a review on Apple Podcasts.⁣Ready to liberate yourself and become the CEO of your money & life? Join the only community exclusively for women physicians. The doors are open https://www.moneyfitmd.com/msbDo you have questions/ topics you want addressed in an upcoming episode? Fill out this form.https://www.moneyfitmd.com/podcast-questionsAccess our FREE 5- Day Video Mini-Series will change how you handle your finances. Visit  https://www.moneyfitmd.com/cashflow to learn how to cash flow. As physicians, it's important that we are prepped for any economic downturn. This is why I am sharing the steps I am taking to be prepped. That way we can be well together. www.moneyfitmd.com/prep⁣Don't miss an episode, subscribe to THE MONEYFITMD PODCAST, where we help women Physicians curate their rich life.⁣⁣⁣Thank you so much for sharing this episode with those around you and helping change the money of women physicians all around the 

Thanks for reading this! Please like and share this episode, and subscribe to the channel. I would greatly appreciate it! Care warning: Necrotizing fasciitis is discussed in this episode. Chris Spath is an NF (necrotizing fasciitis) sibling who not only survived that dreaded disease, but he also used that opportunity to overhaul his life in another remarkable way. His story will inspire you to make necessary changes in your life, too! Instagram: @chrisjspath My contact information: www.chrisdtgordon.com @chrisdtgordon Tech wizards: @nateberan

Dr. Spath interviews an OBGYN doc in his final year of residency. He has managed to pay off a significant amount of loans, save an emergency fund, and contribute to a Roth IRA with a wife and 4 children while in residency on 1 income. How did he do it? They have a written financial plan, a budget and a save first mindset. He teaches us that even as a resident you can save money and pay down debt. Want to learn more about emergency funds? Check out this post: https://www.whitecoatinvestor.com/where-to-keep-emergency-funds/  Get the CompHealth experience and learn how locum tenens can help you pay off student loan debt faster and add flexibility to your schedule. Find jobs close to home, and CompHealth can even help you find your next full-time job too. See how CompHealth specializes in you now at https://CompHealth.com The White Coat Investor has been helping doctors with their money since 2011. Our free financial planning resource covers a variety of topics from doctor mortgage loans and refinancing medical school loans to physician disability insurance and malpractice insurance. Learn about loan refinancing or consolidation, explore new investment strategies, and discover loan programs for specifically aimed at helping doctors. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor channel is for you! Be a Guest on The Milestones to Millionaire Podcast: https://www.whitecoatinvestor.com/milestones  Main Website: https://www.whitecoatinvestor.com  Student Loan Advice: https://studentloanadvice.com  YouTube: https://www.whitecoatinvestor.com/youtube  Facebook: https://www.facebook.com/thewhitecoatinvestor  Twitter: https://twitter.com/WCInvestor  Instagram: https://www.instagram.com/thewhitecoatinvestor  Subreddit: https://www.reddit.com/r/whitecoatinvestor  Online Courses: https://whitecoatinvestor.teachable.com  Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter 

I think our guests story resonates with everyone coming outta residency with this crushing debt, they've lived this horrible resident lifestyle and they're ready to go live the doctor lifestyle. Link: www.TheFrugalPhysician.com Just as the right advice helps you thrive financially. The right support team allows you to excel professionally. Weatherby Healthcare's locums experts will match you with the best jobs, prepare you for success and provide 24/7 support.  https://weatherbyhealthcare.com/

Today our guests story resonates with everyone coming outta residency with this crushing debt, they have lived this horrible resident lifestyle and they're ready to go live the doctor lifestyle. Maybe that's not always the right answer. Join us to find out why! Link: www.TheFrugalPhysician.com 

Dr. Dahle and Dr. Spath tackle your questions around HSAs—specifically the reimbursement process and if you can reimburse yourself for past expenses before the HSA is open. Hint: You cannot! They also get into opening 529 accounts for family members that are not your children. They talk about charitable giving and the fees that are often associated with that as well as donor advised funds and asset allocation inside of those. They answer a few different asset allocation questions, which is always interesting because determining asset allocation in any category is always personal and the answer to every question is, "It depends." They also answer questions about TIPS, captive insurance, and more. See the full show notes here: https://www.whitecoatinvestor.com/hsas-529s-and-donor-advised-funds-284   Laurel Road, the sponsor of this episode, is committed to serving the financial needs of doctors, including helping you manage medical school debt. Now, when you open a Laurel Road Linked Checking account during student loan refinancing, you can get a $300 cash bonus with $2,500 in direct deposits, 1 and qualify for an introductory 0.25% off your interest rate for the first 3 months. 2 Plus, White Coat Investor readers receive a $550 cash bonus when they refinance student loans with Laurel Road. 3 For terms and conditions, please visit www.laurelroad.com/wci.   The White Coat Investor has been helping doctors with their money since 2011. Our free financial planning resource covers a variety of topics from doctor mortgage loans and refinancing medical school loans to physician disability insurance and malpractice insurance. Learn about loan refinancing or consolidation, explore new investment strategies, and discover loan programs for specifically aimed at helping doctors. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor channel is for you! Main Website: https://www.whitecoatinvestor.com  YouTube: https://www.whitecoatinvestor.com/youtube  Student Loan Advice: https://studentloanadvice.com  Facebook: https://www.facebook.com/thewhitecoatinvestor  Twitter: https://twitter.com/WCInvestor  Instagram: https://www.instagram.com/thewhitecoatinvestor  Subreddit: https://www.reddit.com/r/whitecoatinvestor  Online Courses: https://whitecoatinvestor.teachable.com  Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter 

If you're looking to learn about healing your relationship with food and losing weight healthily and sustainably from a full-time working mom who lost over 120lbs eating a meat-based diet, then this episode is for you! Laura Spath is a full-time working Mom who lost 120 pounds on a meat-only carnivore diet. For the last four years, she has focused on maintaining and healing her relationship with food. Laura hosts an online community where she shares exclusive content, interacts with her clients, and leads group challenges. She shares a realistic approach to carnivore with an emphasis on long-term sustainability in your everyday busy life. Laura also shares about her carnivore lifestyle daily on Instagram and on her YouTube channel. In addition, she co-hosts the Cutting Against the Grain Podcast with Nutrition with Judy. In this episode you will discover: The simplicity of carnivore Staying carnivore for the long haul Fat to protein ratios for different goals Keto v.s. carnivore – choosing which is right for you Spirituality and health Connect with Laura Spath: Instagram YouTube Website Connect more with Dr. Kiltz Website Keto + Carnivore Support - Group Kiltz Mighty Tribe Kiltz Cups Doctor Kiltz Nutritional Solutions Instagram Tiktok Facebook Twitter Amazon Books by Dr. Kiltz

Is there such a thing as a recession proof investment? Many listeners are wondering this and asking questions about what to do right now. We don't like the phrase recession proof investment. It implies you need a different investment strategy depending on what the market is doing. It shouldn't surprise any followers that we don't think this is true. Are we even in a recession? We dive into this question as well as answer your questions about what to do with your money with the current state of the economy. Buy I bonds, savings bonds, pay off rental property mortgages? With a cloudy crystal ball, Dr Spath and Dr. Dahle try to answer your questions in this episode. See full show notes here: https://www.whitecoatinvestor.com/recession-proof-investments-278  Laurel Road is committed to serving the financial needs of doctors like you. You take care of us. It's time someone took care of you. With Laurel Road's Physician Mortgage, you can get a 0.25% rate discount11 when you take out a new mortgage or refinance your existing mortgage. Specially designed for doctors, this physician mortgage has options for 100% financing13 , with no private mortgage insurance required14 that could mean lower monthly payments. For terms and conditions, please visit www.laurelroad.com/wci. The White Coat Investor has been helping doctors with their money since 2011. Our free financial planning resource covers a variety of topics from doctor mortgage loans and refinancing medical school loans to physician disability insurance and malpractice insurance. Learn about loan refinancing or consolidation, explore new investment strategies, and discover loan programs for specifically aimed at helping doctors. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor channel is for you! Main Website: https://www.whitecoatinvestor.com  YouTube: https://www.whitecoatinvestor.com/youtube  Student Loan Advice: https://studentloanadvice.com  Facebook: https://www.facebook.com/thewhitecoatinvestor  Twitter: https://twitter.com/WCInvestor  Instagram: https://www.instagram.com/thewhitecoatinvestor  Subreddit: https://www.reddit.com/r/whitecoatinvestor  Online Courses: https://whitecoatinvestor.teachable.com  Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter 

Dr. Spath interviews this orthodontist who paid off $540K in loans while living in a high cost of living area by refinancing to a lower rate and living below her means. It was easier than she thought it would be, turning it into a game. Having won that game she now has the freedom to cut back at work or explore other opportunities if her heart desires. Make a plan for your loans and get it done. If you need help with that plan check out https://studentloanadvice.com/  DLP is a familiar name within the WCI community as long time members of our investment opportunities list. If you want to invest with a high-growth IMPACT investor that believes in doing well …while doing good, we encourage you to check out DLP.  Their real estate-backed investments build wealth and prosperity for all of their members, investors, clients and partners—plus their funds have historically had zero losses. Find out more at https://www.whitecoatinvestor.com/dlp . If you are thinking of getting into investment housing, they should definitely be on your radar. The White Coat Investor has been helping doctors with their money since 2011. Our free financial planning resource covers a variety of topics from doctor mortgage loans and refinancing medical school loans to physician disability insurance and malpractice insurance. Learn about loan refinancing or consolidation, explore new investment strategies, and discover loan programs for specifically aimed at helping doctors. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor channel is for you! Be a Guest on The Milestones to Millionaire Podcast: https://www.whitecoatinvestor.com/milestones  Main Website: https://www.whitecoatinvestor.com  Student Loan Advice: https://studentloanadvice.com  YouTube: https://www.whitecoatinvestor.com/youtube  Facebook: https://www.facebook.com/thewhitecoatinvestor  Twitter: https://twitter.com/WCInvestor  Instagram: https://www.instagram.com/thewhitecoatinvestor  Subreddit: https://www.reddit.com/r/whitecoatinvestor  Online Courses: https://whitecoatinvestor.teachable.com  Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter 

In this episode, Laura and Judy chat with Chris Spath about his experience with carnivore. Can men eat leaner protein?Defining satietyIs weight loss easier for men?Carbs more tolerable for men?ElectrolytesWeight loss storiesGround beef vs steakFinding what works for youReverse dietingTips for meat-based eating_____RESOURCES:NwJ Podcast – Danny VegaJason Fung – Fasting and Weight Loss  _____ SPONSORS: Nutriment: The Most Comprehensive Elimination and Reintroduction Resource_____ JUDY'S RESOURCES:Judy's Book, Carnivore CureFree #Carnivore75Hard ProgramNutrition with Judy ArticlesNutrition with Judy ResourcesJudy's InstagramNutrition with Judy PodcastJudy's YouTubeJudy's Facebook_____ LAURA'S RESOURCES: Laura's LocalsLaura's Discount Codes & InterviewsLaura's AmazonLaura's YouTubeLaura's Instagram_____ DISCLAIMER: This podcast should never be considered medical advice. We always recommend working with your medical team. Do not self-diagnose. Always seek medical guidance when you have a medical condition.Nutriment: The Most Comprehensive Elimination and Reintroduction Resource. Use code PODCAST to get 20% off your first month.

Are you too busy to focus on your health? Well, this episode is for you! Laura Spath is a busy working mother to two and still lost over 100 pounds following a carnivore diet. She's truly an inspiration and I'm sure you'll be pumped after listening to this episode.

This episode Dr. Dahle and Dr. Spath answer questions about health insurance. They talk about PPOs vs. HDHP plans. They discuss the difference between co-pays and out-of-pocket maximums. They cover the difference between bronze and silver and platinum plans and talk about why HSAs are so awesome. They answer questions about when you should or should not pay cash for your house and if 1099 employees need to create an LLC or not. See the full show notes here: https://www.whitecoatinvestor.com/employer-health-insurance-plans-and-ppo-versus-hdhp-266  Now is a great time to start thinking about reviewing your last tax plan or starting a new one to make sure you're taking advantage of all the available strategies. Waiting too long into the year can result in lost opportunities to keep more of your hard-earned money in your pocket!  If you haven't heard about Cerebral Tax Advisors, physicians all over the country work with them to lower their personal and business taxes through court-tested and IRS approved tax strategies. Medical professionals rely on Cerebral Tax Advisors for proactive tax planning strategies for doctors, helping them lower their effective tax rate and increase their wealth.  Alexis Gallati, founder of Cerebral Tax Advisors, has nearly two decades of experience in high level tax planning strategies and multi-state tax preparation. She's also the author of the book “Advanced Tax Planning for Medical Professionals”, grew up in a family of physicians and is married to one. Cerebral's services are flat-rate and they are focused on their client's return on investment.  If you'd like to find out more or schedule a free consultation, visit their website at https://www.cerebraltaxadvisors.com  The White Coat Investor has been helping doctors with their money since 2011. Our free financial planning resource covers a variety of topics from doctor mortgage loans and refinancing medical school loans to physician disability insurance and malpractice insurance. Learn about loan refinancing or consolidation, explore new investment strategies, and discover loan programs for specifically aimed at helping doctors. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor channel is for you! Main Website: https://www.whitecoatinvestor.com  YouTube: https://www.whitecoatinvestor.com/youtube  Student Loan Advice: https://studentloanadvice.com  Facebook: https://www.facebook.com/thewhitecoatinvestor  Twitter: https://twitter.com/WCInvestor  Instagram: https://www.instagram.com/thewhitecoatinvestor  Subreddit: https://www.reddit.com/r/whitecoatinvestor  Online Courses: https://whitecoatinvestor.teachable.com  Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter 

Dr. Spath interviews a dermatology resident in this episode who finished medical school with zero debt. It is quite an inspiring story.  She had a financial plan and a budget, she lived below her means, applied to all scholarships she laid her eyes on, and had a supportive partner. Together they achieved the goal of a debt free medical education. Read about another inspiring debt free education here https://www.whitecoatinvestor.com/my-plan-to-graduate-medical-school-debt-free/  At PKA Insurance Group Inc – Pradeep Audho, and his team, are independent insurance brokers with a focus on Disability and Life insurance. Protecting your family & income in the event of a death or disability is extremely important.  There is now an A+ rated carrier offering up to $7.5M of term life insurance without a medical exam. If you qualify medically, approval is possible within 15 minutes. Avoiding the exam could be ideal for busy professionals. Reach out to PKA Insurance today to discuss your Disability or Life insurance needs – Call 1-800-258-1018 - OR - email at info@pkainsurance.com  The White Coat Investor has been helping doctors with their money since 2011. Our free financial planning resource covers a variety of topics from doctor mortgage loans and refinancing medical school loans to physician disability insurance and malpractice insurance. Learn about loan refinancing or consolidation, explore new investment strategies, and discover loan programs for specifically aimed at helping doctors. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor channel is for you! Be a Guest on The Milestones to Millionaire Podcast: https://www.whitecoatinvestor.com/milestones  Main Website: https://www.whitecoatinvestor.com  Student Loan Advice: https://studentloanadvice.com  YouTube: https://www.whitecoatinvestor.com/youtube  Facebook: https://www.facebook.com/thewhitecoatinvestor  Twitter: https://twitter.com/WCInvestor  Instagram: https://www.instagram.com/thewhitecoatinvestor  Subreddit: https://www.reddit.com/r/whitecoatinvestor  Online Courses: https://whitecoatinvestor.teachable.com  Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter 

Laura Spath (@lauraespath) and Judy Cho (@nutritionwithjudy) have both been on the podcast 2-3 times and I'm so happy to have them both on together today. Please go check out their previous episodes if you haven't heard them!    Laura: Episode 1, Episode 2 Judy: Episode 1, Episode 2, Episode 3   Laura and Judy are co-hosts of the Cutting Against the Grain Podcast on podcast platforms where they shine light and a wealth of knowledge on the carnivore community through a wide range of topics and interviews including community, hormones, carbs & fats, troubleshooting real life, fasting, experts like Dr. Robert Cywes, and much much more!   This episode is brought to you by Optimal Carnivore. Do you struggle to eat organ meat? Optimal Carnivore was created by Carnivores for Carnivores. They created a unique organ complex from grass-fed animals in New Zealand. It includes 9 different organs -  Liver, Brain, Heart, Thymus, Kidney, Spleen, Pancreas, Lung etc.  Taking 6 capsules is the same as eating an ounce of raw organ meat from the butcher. Get 10% off your order by going to https://amzn.to/3hSXXtu and using the code: carnivore10 at checkout! (currently only shipping within the US)   LMNT is offering FREE LMNT sample packs to Carnivore Cast listeners. All you have to do is pay for shipping. Go to drinklmnt.com/carnivorecast to claim this awesome deal!   What questions would you like answered or who would you like to hear from in the carnivore or research community?   Let me know on Twitter, Instagram, and Facebook.