Libsyn Directory

YFP 384: Beyond Salary: Negotiating Your Value in the Workplace

Release Date: 11/14/2024

YFP 403: Lessons from the Red: Navigating Big Market Dips

Your Financial Pharmacist

Tim Ulbrich, PharmD, reflects on losing over $100,000 during recent market volatility and shares eight powerful, experience-driven lessons from two decades of investing to help listeners navigate the emotional and practical realities of building wealth. This episode is brought to you by . Summary In this episode, Tim Ulbrich, PharmD gets personal and shares how he lost over $110,000 in just five days. Despite his professional background in personal finance, Tim candidly shares how challenging it was to write those numbers down—highlighting just how emotional and disorienting the...

YFP 402: Building a Legacy: The Family Constitution Blueprint with Julia Myers

Your Financial Pharmacist

In this episode, Julia Myers, pharmacist and founder of Generational Wisdom, shares her Family Constitution Blueprint, a tool to help families define values, build traditions, and create a lasting legacy. This episode is brought to you by . Summary In this episode, Tim Ulbrich is joined by Julia Myers, a pharmacist and the founder of Generational Wisdom, a business born out of her own powerful story of transformation. Julia shares her Family Constitution Blueprint, a thoughtful and deeply practical tool that helps families clarify their core values, establish meaningful traditions, and...

YFP REI 133: How Property Owners Can Leverage Energy-Efficient Financing

Your Financial Pharmacist

Attorney Colin Kalvas discusses PACE (Property Assessed Clean Energy) financing, including its origins, mechanisms, and applications for residential and commercial property owners. Summary In this episode, Colin Kalvas, a public finance and economic development attorney, joins Nate Hedrick, PharmD and David Bright, PharmD to explore the intricacies of PACE (Property Assessed Clean Energy) financing. They discuss its origins, mechanisms, and applications for both residential and commercial property owners. About Today's Guest Colin Kalvas is a public finance and economic development...

YFP 401: Ask YFP: Roth IRA Eligibility & Estimating Life Insurance Needs

Your Financial Pharmacist

Tim Ulbrich and Tim Baker tackle questions from the YFP community on life insurance needs for expectant parents and eligibility for direct Roth IRA contributions. Summary On today’s episode, YFP Co-Founders Tim Ulbrich, PharmD and Tim Baker, CFP tackle two important questions from the YFP community. First, they dive into how to project your life insurance needs when welcoming a new baby into the family. Then, Tim and Tim break down how Modified Adjusted Gross Income (MAGI) is calculated to help you determine if you’re eligible for direct Roth IRA contributions. If you have a question...

YFP 400: From Pharmacy to Podcasting: Anisha Patel’s Journey of Growth & Entrepreneurship

Your Financial Pharmacist

In this episode, Tim Ulbrich chats with Anisha Patel, host of the Pharmacist Diaries podcast, about her journey through pharmacy, entrepreneurship, and personal growth, including her work at Oxford and Cleveland Clinic Abu Dhabi, and how launching her podcast during the pandemic opened new opportunities. Summary In this episode, Tim Ulbrich, YFP Co-Founder, is joined by Anisha Patel, host of the Pharmacist Diaries podcast, to discuss her inspiring journey through pharmacy, entrepreneurship, and personal growth. Anisha’s story spans from growing up in a family of independent pharmacists in...

YFP 399: From Pre-Approval to Closing: Understanding the Mortgage Process (and Common Mistakes to Avoid)

Your Financial Pharmacist

Tim Ulbrich, YFP Co-Founder is joined by mortgage loan officer Tony Umholtz to discuss the mortgage process. They break down key steps, from getting pre-approved to closing, highlighting important considerations and common mistakes to avoid when buying a home. This episode is brought to you by . Summary In this episode, Tim Ulbrich, YFP Co-Founder and CEO is joined by Tony Umholtz, a mortgage loan officer with First Horizon Bank as they break down one of the biggest financial commitments you’ll ever make—buying a home. Taking out a mortgage is a massive financial decision, one that can...

YFP 398: Is Your Income Your Rate Limiting Step?

Your Financial Pharmacist

In this episode, Tim Ulbrich, YFP CEO looks at three powerful areas for growing your income: maximizing your compensation, real estate investing, and building side hustles or businesses. Summary While cutting expenses is a key part of managing your finances, there's a limit to how much you can cut. The good news? Your income has no ceiling. In this episode, Tim Ulbrich, YFP CEO, looks at three powerful areas for growing your income: maximizing your compensation, real estate investing, and building side hustles or businesses. Tim shares some personal experiences and examples from other...

YFP 397: The Art of Rebalancing: Maintaining Your Investment Portfolio

Your Financial Pharmacist

Tim Baker, CFP®, RICP®, RLP® and Tim Ulbrich, PharmD discuss the importance of maintaining a balanced asset allocation, the nuances of risk tolerance and capacity, and the different accounts you should be rebalancing. Brought to you by . Summary In this episode, Tim Baker, CFP®, RICP®, RLP®, and Tim Ulbrich, PharmD, explore the essentials of rebalancing your investment portfolio. Tim and Tim discuss asset allocation, risk tolerance, and key accounts to rebalance. They also highlight common mistakes and effective rebalancing strategies for long-term investment success. Mentioned on...

YFP 396: Managing Money Together: Strategies for Couples

Your Financial Pharmacist

Tim Ulbrich, PharmD, and Tim Baker, CFP®, RICP®, RLP® dive into the challenges and rewards of managing money in a relationship. Summary In this episode, Tim Ulbrich, PharmD, and Tim Baker, CFP®, RICP®, RLP® dive into the challenges and rewards of managing money in a relationship. They break down how different approaches—whether merging finances completely, keeping some things separate, or managing everything individually—can impact your financial harmony. Through real-life insights, Tim and Tim highlight the power of open communication, understanding each other’s money habits, and...

YFP 395: What to Look for in a Real Estate Agent (And Why It’s More Important Than Ever)

Your Financial Pharmacist

Tim Ulbrich & Nate Hedrick break down 2025 housing trends, agent tips & the new buyer’s agreement. Sponsored by Real Estate RPH. Summary Tim Ulbrich, YFP Co-Founder talks with Nate Hedrick, PharmD and Founder of Real Estate RPh as they break down the key trends shaping the 2025 housing market, from declining home sales to soaring interest rates. Nate shares what to look for in a real estate agent, why local market expertise matters, and how the new buyer’s agent agreement affects you. This episode is brought to you by Real Estate RPH. Mentioned on the Show Channel ...

More Episodes

YFP Co-Founders Tim Baker and Tim Ulbrich discuss essential negotiation skills inspired by Chris Voss’s book Never Split The Difference, covering key strategies to boost your financial plan, mindset, and confidence.

Summary

In this episode, YFP Co-Founders Tim Baker and Tim Ulbrich have a valuable conversation on negotiation—an essential skill that impacts not only finances but also mindset and confidence. Inspired by Chris Voss's book Never Split The Difference, Tim and Tim explore negotiation techniques drawn from Voss’s experience as a former FBI hostage negotiator and break down why negotiation is vital for your financial plan, key goals, and practical strategies for navigating each step.

About Today's Guests

Tim Baker is the Co-Founder and Director of Financial Planning at Your Financial Pharmacist. Founded in 2015, YFP is a fee-only financial planning firm and connects with the YFP community of 12,000+ pharmacy professionals via the Your Financial Pharmacist Podcast podcast, blog, website resources and speaking engagements.

Tim attended the United States Military Academy majoring in International Relations and branching Armor. After his military career, he worked as a logistician with a major retailer and a construction company. After much deliberation, Tim decided to make a pivot in his career and joined a small independent financial planning firm in 2012. In 2016, he launched his own financial planning firm Script Financial and in 2019 merged with Your Financial Pharmacist. Tim now lives in Columbus, Ohio with his wife (Shay), three kids (Olivia, Liam and Zoe), and dog (Benji).

Tim Ulbrich is the Co-Founder and CEO of Your Financial Pharmacist. Founded in 2015, YFP is a fee-only financial planning firm and connects with the YFP community of 15,000+ pharmacy professionals via the Your Financial Pharmacist Podcast podcast, blog, website resources and speaking engagements. To date, YFP has partnered with 75+ organizations to provide personal finance education.

Tim received his Doctor of Pharmacy degree from Ohio Northern University and completed postgraduate residency training at The Ohio State University. He spent 9 years on faculty at Northeast Ohio Medical University prior to joining Ohio State University College of Pharmacy in 2019 as Clinical Professor and Director of the Master’s in Health-System Pharmacy Administration Program.

Tim is the host of the Your Financial Pharmacist Podcast which has more than 1 million downloads. Tim is also the co-author of Seven Figure Pharmacist: How to Maximize Your Income, Eliminate Debt and Create Wealth. Tim has presented to over 200 pharmacy associations, colleges, and groups on various personal finance topics including debt management, investing, retirement planning, and financial well-being.

Mentioned on the Show

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