White Coat Investor Podcast

Host, Dr. James Dahle, is a practicing emergency physician and founder of the White Coat Investor Blog. Like the blog, the White Coat Investor Podcast, is dedicated to educating medical students, residents, physicians, dentists, and similar high-income professionals about personal finance and building wealth, so they can ultimately be their own financial advisor—or, at least know enough to not get ripped off by a financial advisor! We tackle the hard topics like the best ways to pay off student loans, how to create your own personal financial plan, retirement planning, how to save money, investing in real estate, side hustles, and how everyone can be a millionaire by living WCI principles. Learn more at http://whitecoatinvestor.com/

WCI #485: What to Do If You Are Behind on Retirement Savings 08/20/2026

WCI #485: What to Do If You Are Behind on Retirement Savings Is it actually too late to catch up if you did not start investing seriously until later in your career? In this episode, Dr. Jim Dahle answers a listener's honest question about starting late and wanting to retire within a couple of years. He walks through why there is no real shortcut, the math works the same for everyone, but there are still concrete levers you can pull: tightening your budget, making sure your accounts and investments are actually optimized, reconsidering your asset allocation, and in some cases taking on a reasonable amount of leverage. Jim also covers tools that can help someone with limited time before retirement stretch their income further, including single premium immediate annuities and TIPS ladders, both of which can lock in guaranteed income and reduce sequence of returns risk. He explains why working just a few extra years can dramatically improve nearly every part of the retirement equation at once, more savings, more compound growth, higher Social Security payments, and a shorter retirement to fund. The episode also covers a contract review correction, an introduction to turnkey real estate investing for out of state properties, and a detailed breakdown of tax loss harvesting, including when long short direct indexing might or might not be worth the added complexity. Starting late does not mean it is too late. It just means the plan has to be built around the time and resources you actually have. Today’s episode is brought to us by , 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 SoFi Student Loans are originated by SoFi Bank, N.A. Member FDIC. Additional terms and conditions apply. NMLS 696891. The White Coat Investor Podcast launched in January 2017, and since then, millions have downloaded it. Join your fellow physicians and other high income professionals and subscribe today! Host, Dr. Jim Dahle, is a practicing emergency physician and founder of The White Coat Investor blog. Like the blog, The White Coat Investor Podcast is dedicated to educating medical students, residents, physicians, dentists, and similar high-income professionals about personal finance and building wealth, so they can ultimately be their own financial advisor-or at least know enough to not get ripped off by a financial advisor. We tackle the hard topics like the best ways to pay off student loans, how to create your own personal financial plan, retirement planning, how to save money, investing in real estate, side hustles, and how everyone can be a millionaire by living WCI principles. Website: YouTube: Student Loan Advice: TikTok: Facebook: Twitter: Instagram: Subreddit: Online Courses: Newsletter: /episode/index/show/whitecoatinvestor/id/42423715

MtoM #288: $20 Million Net Worth on an OB-GYN Salary 08/17/2026

MtoM #288: $20 Million Net Worth on an OB-GYN Salary How does an OB-GYN earning a fairly typical physician income build a net worth of more than $20 million? In this episode of the Milestones to Millionaire Podcast, Dr. Jim Dahle talks with Carlos, an OB-GYN who has spent 25 years steadily building wealth through disciplined investing, consistent saving, and thoughtful real estate investments. Carlos explains how he and his wife started by saving roughly 30% of their income and investing in broad stock market index funds. As their career progressed, they expanded into commercial real estate, purchased medical office buildings, and eventually added short-term rental properties to create additional cash flow. One of the biggest milestones came after refinancing their home in 2011 and using $100,000 to purchase a Florida foreclosure near the bottom of the housing market. Through appreciation and multiple 1031 exchanges, that investment ultimately grew into approximately $3.6 million while allowing them to defer capital gains taxes. They also discuss balancing a portfolio between equities and real estate, using leverage responsibly, building income-producing properties, estate planning, and preparing for retirement after decades of disciplined investing. This conversation is a reminder that extraordinary wealth rarely comes from chasing the next hot investment. It is far more often the result of earning well, investing consistently, remaining patient, and allowing compounding to work over many years. This podcast is sponsored by . 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 today by email or by calling (973) 771-9100. Celebrating your stories of success along the journey to financial freedom! Tune in every Monday to the Milestones to Millionaire Podcast, where we celebrate the financial achievements of our listeners and share practical tips for reaching your own milestones. We want to celebrate your milestones—no matter how big or small—and help inspire others to follow your lead. Every week, these episodes feature one listener who has recently achieved a milestone they are proud of and want to celebrate, and they give any advice they have for those who want to follow their example. Make sure to listen every Monday to be inspired by your fellow white coat investors. Celebrate YOUR Milestone on the Milestones to Millionaire Podcast: Website: YouTube: Student Loan Advice: TikTok: Facebook: Twitter: Instagram: Subreddit: Online Courses: Newsletter: /episode/index/show/whitecoatinvestor/id/42329410

WCI #484: Stop Over-Optimizing Your Finances: What Actually Moves the Needle 08/13/2026

WCI #484: Stop Over-Optimizing Your Finances: What Actually Moves the Needle Are you spending your time, energy, and attention on financial optimizations that barely move the needle? In this episode, Dr. Jim Dahle and Tyler Scott, President of Planning at White Coat Planning, work through a series of real listener questions, from Trump account contribution rules and gift tax exclusions to HSA family contribution limits and 457 plan quirks, and use each one to illustrate a bigger point. Some financial moves genuinely change your outcome. Others feel productive but barely register. They walk through examples of both. A listener trying to squeeze out a few extra months of tax-free growth by pre-funding a solo 401(k) contribution gets a gentle but clear answer: the impact is measured in hours, not years. Meanwhile, using a mega backdoor Roth option in that same account, or choosing tax-efficient accounts for early retirement withdrawals, can genuinely shift a retirement date by months or years. Tyler also introduces his framework of the four currencies of life, money, time, energy, and attention, and how understanding which one you're actually spending helps clarify which optimizations are worth pursuing. The takeaway is not that details do not matter. It is that knowing which details matter is the real skill. Today’s episode is brought to us by , 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 SoFi Student Loans are originated by SoFi Bank, N.A. Member FDIC. Additional terms and conditions apply. NMLS 696891. The White Coat Investor Podcast launched in January 2017, and since then, millions have downloaded it. Join your fellow physicians and other high income professionals and subscribe today! Host, Dr. Jim Dahle, is a practicing emergency physician and founder of The White Coat Investor blog. Like the blog, The White Coat Investor Podcast is dedicated to educating medical students, residents, physicians, dentists, and similar high-income professionals about personal finance and building wealth, so they can ultimately be their own financial advisor-or at least know enough to not get ripped off by a financial advisor. We tackle the hard topics like the best ways to pay off student loans, how to create your own personal financial plan, retirement planning, how to save money, investing in real estate, side hustles, and how everyone can be a millionaire by living WCI principles. Website: YouTube: Student Loan Advice: TikTok: Facebook: Twitter: Instagram: Subreddit: Online Courses: Newsletter: /episode/index/show/whitecoatinvestor/id/42394215

MtoM #287: $405K Student Loans Paid Off in 20 Months 08/10/2026

MtoM #287: $405K Student Loans Paid Off in 20 Months How does a physician couple pay off $405,000 in student loans in less than two years, while one of them is still in residency? In this Milestones to Millionaire episode, Joe, an anesthesiologist, and Mary Beth, an Air Force dermatologist and first-year attending, share how they eliminated more than $400,000 in combined student loan debt in about 20 months. Joe explains how a strong anesthesia market, no kids yet, and a decision to keep driving seven-year-old cars rather than inflating their lifestyle let them redirect nearly every extra dollar toward the loans. They walk through the psychological side of carrying a debt like this, why Joe felt he "wasn't fully done with medical school" until it was gone, and how the process shifted from feeling impossible to feeling automatic. They also discuss the tradeoffs of paying aggressively instead of investing the difference, and why the peace of mind outweighed the math for them, even while still managing to take about five international trips and buy a house during the same period. Now debt free aside from their mortgage, Joe and Mary Beth are shifting that same cash flow toward maxing out retirement accounts, building a taxable brokerage account, and setting aside reserves for future real estate investing. Paying off a large debt fast doesn't have to mean putting your whole life on hold. It just takes a plan, a shared goal, and a willingness to prioritize what matters most. Imagine your capital working quietly in the background, compounding into something meaningful while you stay focused on the life and work that matter most. ’s Secure Freedom Fund was built for physicians and accredited investors who want clarity, control, and a steady path to financial independence. With over 14 years of experience, a $450M portfolio, and over 600 passive investors, Black Swan combines discipline, transparency, and hands-on stewardship. Their investor-first structure is rooted in alignment, offering the choice between reliable monthly income or compounded growth over time. Led by physician Dr. Elaine Stageberg and a vertically integrated team, every investment is managed with care and intention. Discover how Secure Freedom Fund fits your goals: Celebrating your stories of success along the journey to financial freedom! Tune in every Monday to the Milestones to Millionaire Podcast, where we celebrate the financial achievements of our listeners and share practical tips for reaching your own milestones. We want to celebrate your milestones—no matter how big or small—and help inspire others to follow your lead. Every week, these episodes feature one listener who has recently achieved a milestone they are proud of and want to celebrate, and they give any advice they have for those who want to follow their example. Make sure to listen every Monday to be inspired by your fellow white coat investors. Celebrate YOUR Milestone on the Milestones to Millionaire Podcast: Website: YouTube: Student Loan Advice: TikTok: Facebook: Twitter: Instagram: Subreddit: Online Courses: Newsletter: /episode/index/show/whitecoatinvestor/id/42281720

WCI #483: Should You Help Your Child Buy a Home? 08/06/2026

WCI #483: Should You Help Your Child Buy a Home? What changed for medical and dental students now that federal student loan borrowing has a hard cap, and what should you do if you're already deep into school? In this episode, Dr. Jim Dahle breaks down the new private student loan landscape following the One Big Beautiful Bill Act, sharing real stories from students facing six-figure federal loan limits, cosigner requirements, and double-digit private loan rates. He then works through listener questions spanning several major financial planning decisions. Topics include how to properly account for rental income, real estate debt funds, and syndications when calculating financial independence, and whether a couple sitting on a historic stock market run should shift to a more conservative portfolio. Jim also walks through ten different ways parents can help a child buy their first home, from outright gifts and family trusts to family offset mortgages and cosigning, ranking each option from best to worst based on tax efficiency, risk, and family dynamics. The episode closes with an in-depth look at the decision between one income and two income households, including the tax mechanics that make it more affordable than it looks, the career risks of stepping away from a job long-term, and how to think about financial protection and power dynamics when one spouse stays home. Across every topic, the same principle applies: run the numbers, get clear on your values, and make decisions based on your actual life rather than what everyone else seems to be doing. This podcast is sponsored by . 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 today by email or by calling (973) 771-9100. The White Coat Investor Podcast launched in January 2017, and since then, millions have downloaded it. Join your fellow physicians and other high income professionals and subscribe today! Host, Dr. Jim Dahle, is a practicing emergency physician and founder of The White Coat Investor blog. Like the blog, The White Coat Investor Podcast is dedicated to educating medical students, residents, physicians, dentists, and similar high-income professionals about personal finance and building wealth, so they can ultimately be their own financial advisor-or at least know enough to not get ripped off by a financial advisor. We tackle the hard topics like the best ways to pay off student loans, how to create your own personal financial plan, retirement planning, how to save money, investing in real estate, side hustles, and how everyone can be a millionaire by living WCI principles. Website: YouTube: Student Loan Advice: TikTok: Facebook: Twitter: Instagram: Subreddit: Online Courses: Newsletter: /episode/index/show/whitecoatinvestor/id/42233115

MtoM #286: How This OB/GYN Paid Off $200K in Student Loans in 4 Years 08/03/2026

MtoM #286: How This OB/GYN Paid Off $200K in Student Loans in 4 Years What does it actually take to get $200,000 in medical school loans forgiven through a state program most doctors have never heard of? In this Milestones to Millionaire episode, Rachel, a generalist OBGYN in Texas six years out of residency, shares how she paid off nearly all her medical school debt through the Physician Education Loan Repayment Program, a Texas state initiative that repays primary care physicians in graduated yearly amounts for working in health professional shortage areas and seeing a minimum number of Medicaid patients. She walks through how the program actually worked in practice: the qualifying requirements, the uncertainty of waiting on state bureaucracy each year, and the moment she finally paid off the last few thousand dollars herself. Rachel also discusses how she and her husband manage their household finances, including why they've chosen to keep some accounts separate despite the common advice to combine everything, and how their asset allocation and retirement savings have grown since paying off the debt. Six years out of residency, with a combined household income just over $500,000, Rachel and her husband have built a net worth over $1 million between retirement accounts and home equity. Not every debt relief option is well advertised. Sometimes the biggest financial win comes from doing the research to find a program you didn't know existed. This podcast is sponsored by . 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 today by email or by calling (973) 771-9100. Celebrating your stories of success along the journey to financial freedom! Tune in every Monday to the Milestones to Millionaire Podcast, where we celebrate the financial achievements of our listeners and share practical tips for reaching your own milestones. We want to celebrate your milestones—no matter how big or small—and help inspire others to follow your lead. Every week, these episodes feature one listener who has recently achieved a milestone they are proud of and want to celebrate, and they give any advice they have for those who want to follow their example. Make sure to listen every Monday to be inspired by your fellow white coat investors. Celebrate YOUR Milestone on the Milestones to Millionaire Podcast: Website: YouTube: Student Loan Advice: TikTok: Facebook: Twitter: Instagram: Subreddit: Online Courses: Newsletter: /episode/index/show/whitecoatinvestor/id/42181670

WCI #482: What Doctors Need to Know About Home and Auto Insurance 07/30/2026

WCI #482: What Doctors Need to Know About Home and Auto Insurance How do you know if your home and auto insurance actually covers what you think it does, and whether you're paying too much for it? In this episode, Dr. Jim Dahle talks with Jeff Wingate, president of Rate Insurance, about the fast-changing world of property and casualty coverage. They open by tackling a listener's question about dropping collision and comprehensive auto coverage, then dig into why home insurance costs climbed close to 100% over the past three years while auto rates have actually started falling. Jeff explains what recent wildfires in Los Angeles and shifting storm patterns mean for coverage availability, why renovating or upgrading your home can bump you into an entirely different insurance category, and why earthquake and flood coverage are excluded from standard homeowners policies in the first place. They also work through the often-confusing question of how to choose a deductible, how to document your belongings without appraising every item you own, and when renters insurance makes sense. The conversation wraps with a detailed look at auto insurance structure, comprehensive, collision, and liability, and a breakdown of umbrella coverage: what it costs, how much you actually need, and why roughly 80% of umbrella claims trace back to auto accidents rather than someone getting hurt on your property. Insurance is one of those expenses that's easy to set once and never revisit. A periodic review can uncover both real gaps in your coverage and real savings sitting on the table. Today’s episode is brought to us by , 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 SoFi Student Loans are originated by SoFi Bank, N.A. Member FDIC. Additional terms and conditions apply. NMLS 696891. The White Coat Investor Podcast launched in January 2017, and since then, millions have downloaded it. Join your fellow physicians and other high income professionals and subscribe today! Host, Dr. Jim Dahle, is a practicing emergency physician and founder of The White Coat Investor blog. Like the blog, The White Coat Investor Podcast is dedicated to educating medical students, residents, physicians, dentists, and similar high-income professionals about personal finance and building wealth, so they can ultimately be their own financial advisor-or at least know enough to not get ripped off by a financial advisor. We tackle the hard topics like the best ways to pay off student loans, how to create your own personal financial plan, retirement planning, how to save money, investing in real estate, side hustles, and how everyone can be a millionaire by living WCI principles. Website: YouTube: Student Loan Advice: TikTok: Facebook: Twitter: Instagram: Subreddit: Online Courses: Newsletter: /episode/index/show/whitecoatinvestor/id/42226330

MtoM #285: This Orthopedic Fellow Reached a $0 Net Worth Before Becoming an Attending 07/27/2026

MtoM #285: This Orthopedic Fellow Reached a $0 Net Worth Before Becoming an Attending How do you finish medical training with $300,000 in student loans and still reach a net worth of zero before your first attending paycheck? In this episode of Milestones to Millionaire, an orthopedic surgery fellow shares how he and his family accumulated nearly $300,000 in investments while carrying roughly the same amount in federal student loans. Despite raising three children on a resident salary with a stay-at-home spouse, they consistently invested in retirement accounts, kept expenses low, benefited from a favorable housing market, and let long-term investing do much of the heavy lifting. We discuss why they chose a simple total stock market investing strategy, how market growth accelerated their progress, and why having a written financial plan before becoming an attending is one of the biggest advantages a new physician can have. Alek also shares his plan to refinance and eliminate his student loans in less than two years, the philosophy behind his family's "Buy When Rich" list, and the simple 10% rule they use to balance enjoying life while building wealth. The conversation closes with practical advice for residents and medical students on preparing financially before the larger paychecks arrive, including why fourth year of medical school may be the best time to begin learning personal finance. Financial success rarely begins with an attending salary. It begins with habits, planning, and making intentional decisions long before the income changes. is built for accredited investors who want more direct, aligned private-market real estate investing – without a marketplace, blind fund, or crowdfunding intermediary. Access single-asset multifamily and industrial opportunities along Lightstone, a $12B AUM, vertically integrated owner/operator with a 40 year track record. Lightstone invests 20%+ in each transaction. Don’t invest “like” an institution, invest with an institutional real estate firm. Directly. offers 7.4% average net cash-on-cash return over a four-year hold. WCI investors can participate at $50K+, below the typical minimum. Celebrating your stories of success along the journey to financial freedom! Tune in every Monday to the Milestones to Millionaire Podcast, where we celebrate the financial achievements of our listeners and share practical tips for reaching your own milestones. We want to celebrate your milestones—no matter how big or small—and help inspire others to follow your lead. Every week, these episodes feature one listener who has recently achieved a milestone they are proud of and want to celebrate, and they give any advice they have for those who want to follow their example. Make sure to listen every Monday to be inspired by your fellow white coat investors. Celebrate YOUR Milestone on the Milestones to Millionaire Podcast: Website: YouTube: Student Loan Advice: TikTok: Facebook: Twitter: Instagram: Subreddit: Online Courses: Newsletter: /episode/index/show/whitecoatinvestor/id/42105845

WCI #481: Is a Physician Partnership Track Actually Worth It? 07/23/2026

WCI #481: Is a Physician Partnership Track Actually Worth It? Should physicians take partnership track jobs, and how do these opportunities actually work? In this episode of The White Coat Investor Podcast, we break down how physician partnership track jobs are structured, what doctors should evaluate before accepting one, and whether the long-term upside is worth the tradeoffs early in your career. We also answer questions about tax preparation versus tax strategy, teaching kids about investing, hiring locums instead of employees, how new doctors should prioritize money decisions, and what to do after receiving a large financial windfall. Understanding compensation structure and long-term career opportunities can have a major impact on building wealth as a physician. Today’s episode is brought to us by , 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 SoFi Student Loans are originated by SoFi Bank, N.A. Member FDIC. Additional terms and conditions apply. NMLS 696891. The White Coat Investor Podcast launched in January 2017, and since then, millions have downloaded it. Join your fellow physicians and other high income professionals and subscribe today! Host, Dr. Jim Dahle, is a practicing emergency physician and founder of The White Coat Investor blog. Like the blog, The White Coat Investor Podcast is dedicated to educating medical students, residents, physicians, dentists, and similar high-income professionals about personal finance and building wealth, so they can ultimately be their own financial advisor-or at least know enough to not get ripped off by a financial advisor. We tackle the hard topics like the best ways to pay off student loans, how to create your own personal financial plan, retirement planning, how to save money, investing in real estate, side hustles, and how everyone can be a millionaire by living WCI principles. Website: YouTube: Student Loan Advice: TikTok: Facebook: Twitter: Instagram: Subreddit: Online Courses: Newsletter: /episode/index/show/whitecoatinvestor/id/41945630

MtoM #284: How This Doctor Paid Off $313K in Student Loans in One Year 07/20/2026

MtoM #284: How This Doctor Paid Off $313K in Student Loans in One Year How do you pay off $313,000 in medical school student loans just one year after residency? In this Milestones to Millionaire episode, Jake shares how he and his wife eliminated more than $300,000 in student loan debt through a combination of high income, smart financial decisions, and multiple sources of income. We discuss his journey from medical school to psychiatry practice, how building a business alongside medicine changed his financial trajectory, and why increasing your income can dramatically accelerate your path to financial freedom. Jake also shares lessons from his early financial mistakes, including investing mistakes, cryptocurrency, and hiring financial advisors too soon. Building wealth as a physician is not just about cutting expenses. Increasing your earning potential and making intentional decisions with your money can change your financial future. This podcast is sponsored by . 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 today by email info@protuity.com or by calling (973) 771-9100. Celebrating your stories of success along the journey to financial freedom! Tune in every Monday to the Milestones to Millionaire Podcast, where we celebrate the financial achievements of our listeners and share practical tips for reaching your own milestones. We want to celebrate your milestones—no matter how big or small—and help inspire others to follow your lead. Every week, these episodes feature one listener who has recently achieved a milestone they are proud of and want to celebrate, and they give any advice they have for those who want to follow their example. Make sure to listen every Monday to be inspired by your fellow white coat investors. Celebrate YOUR Milestone on the Milestones to Millionaire Podcast: Website: YouTube: Student Loan Advice: TikTok: Facebook: Twitter: Instagram: Subreddit: Online Courses: Newsletter: /episode/index/show/whitecoatinvestor/id/42011995

WCI #480: This Doctor Takes 3-5 Months Off Work Every Year. Here’s How. 07/16/2026

WCI #480: This Doctor Takes 3-5 Months Off Work Every Year. Here’s How. How could a busy physician take their family abroad for months at a time without sacrificing their career, their children’s education, or their financial future? In this episode, Dr. Jim Dahle talks with anesthesiologist and palliative care physician Dr. Sarah Gebauer, author of Go Anyway: The Practical Guide to Long-Term Travel With Kids. Sarah has traveled to more than 50 countries with her husband and four children while taking 3-5 month sabbaticals from her private practice. She explains how she created a workable sabbatical policy, used trusted locums coverage, and found that taking extended time away did not reduce her income as much as she expected. They discuss the real cost of long-term international travel, how living abroad can sometimes cost less than staying home, and the tradeoffs between slow travel, remote work, and constant movement. They also tackle the questions many physician parents have: Can children stay on track academically? What happens to friendships and activities? Can physicians in primary care, surgery, or dual-doctor households make this work? And can a sabbatical actually help with burnout and career direction? Financial literacy is not just about maximizing accounts. It can give you the flexibility to design a life with more time, curiosity, and connection with the people who matter most. Today’s episode is brought to us by , 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 SoFi Student Loans are originated by SoFi Bank, N.A. Member FDIC. Additional terms and conditions apply. NMLS 696891. The White Coat Investor Podcast launched in January 2017, and since then, millions have downloaded it. Join your fellow physicians and other high income professionals and subscribe today! Host, Dr. Jim Dahle, is a practicing emergency physician and founder of The White Coat Investor blog. Like the blog, The White Coat Investor Podcast is dedicated to educating medical students, residents, physicians, dentists, and similar high-income professionals about personal finance and building wealth, so they can ultimately be their own financial advisor-or at least know enough to not get ripped off by a financial advisor. We tackle the hard topics like the best ways to pay off student loans, how to create your own personal financial plan, retirement planning, how to save money, investing in real estate, side hustles, and how everyone can be a millionaire by living WCI principles. Website: YouTube: Student Loan Advice: TikTok: Facebook: Twitter: Instagram: Subreddit: Online Courses: Newsletter: /episode/index/show/whitecoatinvestor/id/42061635

MtoM #283: How This Doctor Became a Millionaire at 38 07/13/2026

MtoM #283: How This Doctor Became a Millionaire at 38 How does a physician become a millionaire by age 38? In this Milestones to Millionaire episode, we talk with a physician who recently reached $1 million in net worth at a relatively young age, while also receiving more than $300,000 in student loan forgiveness through Public Service Loan Forgiveness. We discuss the financial decisions that helped build wealth early, the impact of student loan forgiveness, and advice for other physicians working toward financial independence. Building wealth as a physician is often a long journey, but smart financial decisions early in your career can make a major difference. 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 Celebrating your stories of success along the journey to financial freedom! Tune in every Monday to the Milestones to Millionaire Podcast, where we celebrate the financial achievements of our listeners and share practical tips for reaching your own milestones. We want to celebrate your milestones—no matter how big or small—and help inspire others to follow your lead. Every week, these episodes feature one listener who has recently achieved a milestone they are proud of and want to celebrate, and they give any advice they have for those who want to follow their example. Make sure to listen every Monday to be inspired by your fellow white coat investors. Celebrate YOUR Milestone on the Milestones to Millionaire Podcast: Website: YouTube: Student Loan Advice: TikTok: Facebook: Twitter: Instagram: Subreddit: Online Courses: Newsletter: /episode/index/show/whitecoatinvestor/id/41911275

WCI #479: How to Access Retirement Money Before Age 59.5 07/09/2026

WCI #479: How to Access Retirement Money Before Age 59.5 Can you access retirement money before age 59.5 without penalty? In this episode of The White Coat Investor Podcast, we discuss the Rule of 55 retirement strategy and how it may allow certain investors to access retirement funds earlier than expected. We also answer listener questions about the risks of linking financial accounts to budgeting apps like YNAB⁠, strategies for optimizing Trump accounts, and how to think about inherited taxable accounts and legacy investments. Understanding the rules around retirement withdrawals and account strategy can help physicians make smarter long-term financial decisions. This podcast is sponsored by 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 today by email or by calling (973) 771-9100. The White Coat Investor Podcast launched in January 2017, and since then, millions have downloaded it. Join your fellow physicians and other high income professionals and subscribe today! Host, Dr. Jim Dahle, is a practicing emergency physician and founder of The White Coat Investor blog. Like the blog, The White Coat Investor Podcast is dedicated to educating medical students, residents, physicians, dentists, and similar high-income professionals about personal finance and building wealth, so they can ultimately be their own financial advisor-or at least know enough to not get ripped off by a financial advisor. We tackle the hard topics like the best ways to pay off student loans, how to create your own personal financial plan, retirement planning, how to save money, investing in real estate, side hustles, and how everyone can be a millionaire by living WCI principles. Website: YouTube: Student Loan Advice: TikTok: Facebook: Twitter: Instagram: Subreddit: Online Courses: Newsletter: /episode/index/show/whitecoatinvestor/id/41886635

MtoM #282: How a Health Scare Changed This Doctor’s View on Money 07/06/2026

MtoM #282: How a Health Scare Changed This Doctor’s View on Money What is the real purpose of building wealth? In this Milestones to Millionaire episode, we meet a physician who reached $1 million in investable assets, but a serious health scare involving his wife changed how their family thinks about money, saving, and enjoying life in the present. We discuss the financial journey to this milestone, how unexpected life events can reshape financial priorities, and the important balance between preparing for the future and making the most of life today. Building wealth matters, but understanding what that wealth is ultimately for may matter even more. This podcast is sponsored by . 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 today by email or by calling (973) 771-9100. Celebrating your stories of success along the journey to financial freedom! Tune in every Monday to the Milestones to Millionaire Podcast, where we celebrate the financial achievements of our listeners and share practical tips for reaching your own milestones. We want to celebrate your milestones—no matter how big or small—and help inspire others to follow your lead. Every week, these episodes feature one listener who has recently achieved a milestone they are proud of and want to celebrate, and they give any advice they have for those who want to follow their example. Make sure to listen every Monday to be inspired by your fellow white coat investors. Celebrate YOUR Milestone on the Milestones to Millionaire Podcast: Website: YouTube: Student Loan Advice: TikTok: Facebook: Twitter: Instagram: Subreddit: Online Courses: Newsletter: /episode/index/show/whitecoatinvestor/id/41809485

WCI #478: How Doctors Can Give More and Pay Less in Taxes 07/02/2026

WCI #478: How Doctors Can Give More and Pay Less in Taxes How can physicians maximize charitable giving while reducing their tax burden? In this episode of The White Coat Investor Podcast, Dr. Matt Moore joins us to discuss charitable trusts, recent changes affecting charitable giving, and advanced strategies physicians can use to give more efficiently. We cover the different types of charitable trusts, tax implications, when these strategies make sense, and important considerations for high-income professionals thinking about long-term wealth and legacy planning. For physicians who prioritize both philanthropy and tax efficiency, understanding charitable trusts can open up powerful planning opportunities. This episode is brought to you by ! For six years, White Coat member benefit partner, Laurel Road, has been part of KeyBank. As of March 16th, that partnership becomes even stronger as Laurel Road is now officially under the KeyBank brand. With the transition to KeyBank, the same tools and services you rely on now come with enhanced resources and support and the same great experience you trust. WCI members can continue to enjoy the benefits and financial resources as they always have, with even more support from KeyBank. To learn more and for terms and conditions, please visit The White Coat Investor Podcast launched in January 2017, and since then, millions have downloaded it. Join your fellow physicians and other high income professionals and subscribe today! Host, Dr. Jim Dahle, is a practicing emergency physician and founder of The White Coat Investor blog. Like the blog, The White Coat Investor Podcast is dedicated to educating medical students, residents, physicians, dentists, and similar high-income professionals about personal finance and building wealth, so they can ultimately be their own financial advisor-or at least know enough to not get ripped off by a financial advisor. We tackle the hard topics like the best ways to pay off student loans, how to create your own personal financial plan, retirement planning, how to save money, investing in real estate, side hustles, and how everyone can be a millionaire by living WCI principles. Website: YouTube: Student Loan Advice: TikTok: Facebook: Twitter: Instagram: Subreddit: Online Courses: Newsletter: /episode/index/show/whitecoatinvestor/id/41729010

MtoM #281: What This Doctor Did with a Surprise Inheritance 06/29/2026

MtoM #281: What This Doctor Did with a Surprise Inheritance What should you do when a large amount of money suddenly enters your life? In this Milestones to Millionaire episode, we talk with a physician who received an unexpected inheritance and had to make important decisions about how to manage that new wealth responsibly. We discuss the financial choices made after receiving the inheritance, lessons learned along the way, and advice for other physicians navigating major financial decisions. Sudden wealth can create opportunity, but thoughtful decision-making matters just as much as the amount itself. Step away from day-to-day public market volatility and consider diversifying with private real estate through ’s professionally managed investment funds. With more than 38 years of experience across multiple market cycles, MLG Capital applies a disciplined, long-term approach focused on capital preservation, income generation, and tax-efficient outcomes. Its current offering, Fund VII, features an 8% cumulative preferred return, return of capital, and a shared profit split. Eligible White Coat Investor participants may receive an enhanced 77/23 split once group investments reach $5 million. Learn more at today. This content is for informational purposes only and is not an offer to sell or a solicitation to buy any security. Investments in private offerings are speculative, illiquid, and involve risk, including the potential loss of capital. Past performance is not indicative of future results. Please consult your financial, tax, or legal advisors before making any investment decisions. Celebrating your stories of success along the journey to financial freedom! Tune in every Monday to the Milestones to Millionaire Podcast, where we celebrate the financial achievements of our listeners and share practical tips for reaching your own milestones. We want to celebrate your milestones—no matter how big or small—and help inspire others to follow your lead. Every week, these episodes feature one listener who has recently achieved a milestone they are proud of and want to celebrate, and they give any advice they have for those who want to follow their example. Make sure to listen every Monday to be inspired by your fellow white coat investors. Celebrate YOUR Milestone on the Milestones to Millionaire Podcast: Website: YouTube: Student Loan Advice: TikTok: Facebook: Twitter: Instagram: Subreddit: Online Courses: Newsletter: /episode/index/show/whitecoatinvestor/id/41804280

WCI #477: How Doctors Beat Corporate Medicine 06/25/2026

WCI #477: How Doctors Beat Corporate Medicine What happens when a physician-owned practice takes on corporate medicine? In this episode of The White Coat Investor Podcast, we discuss how a group of emergency physicians successfully fought to preserve their independent practice in a dispute that drew national attention. We explore the challenges facing physician-owned groups, the growing influence of corporate medicine, and what this case could mean for physician independence. We also answer listener questions on Rabbi trusts, brokerage accounts held in trusts, changing asset allocation near retirement, and how annuities can affect portfolio construction. Today’s episode is brought to us by , 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 SoFi Student Loans are originated by SoFi Bank, N.A. Member FDIC. Additional terms and conditions apply. NMLS 696891. The White Coat Investor Podcast launched in January 2017, and since then, millions have downloaded it. Join your fellow physicians and other high income professionals and subscribe today! Host, Dr. Jim Dahle, is a practicing emergency physician and founder of The White Coat Investor blog. Like the blog, The White Coat Investor Podcast is dedicated to educating medical students, residents, physicians, dentists, and similar high-income professionals about personal finance and building wealth, so they can ultimately be their own financial advisor-or at least know enough to not get ripped off by a financial advisor. We tackle the hard topics like the best ways to pay off student loans, how to create your own personal financial plan, retirement planning, how to save money, investing in real estate, side hustles, and how everyone can be a millionaire by living WCI principles. Website: YouTube: Student Loan Advice: TikTok: Facebook: Twitter: Instagram: Subreddit: Online Courses: Newsletter: /episode/index/show/whitecoatinvestor/id/41603040

MtoM #280: How a Millionaire Doctor Changed Specialties 06/22/2026

MtoM #280: How a Millionaire Doctor Changed Specialties What happens when financial success gives you the freedom to rethink your career? In this Milestones to Millionaire episode, we meet a physician who reached millionaire status and then made an unexpected decision: returning to fellowship and changing specialties. We discuss the financial journey that made this career move possible, the role financial security played in creating options, and the lessons learned along the way. The conversation also covers financial mistakes, what the guest would do differently, and advice for other physicians working toward long-term financial independence. 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. Celebrating your stories of success along the journey to financial freedom! Tune in every Monday to the Milestones to Millionaire Podcast, where we celebrate the financial achievements of our listeners and share practical tips for reaching your own milestones. We want to celebrate your milestones—no matter how big or small—and help inspire others to follow your lead. Every week, these episodes feature one listener who has recently achieved a milestone they are proud of and want to celebrate, and they give any advice they have for those who want to follow their example. Make sure to listen every Monday to be inspired by your fellow white coat investors. Celebrate YOUR Milestone on the Milestones to Millionaire Podcast: Website: YouTube: Student Loan Advice: TikTok: Facebook: Twitter: Instagram: Subreddit: Online Courses: Newsletter: /episode/index/show/whitecoatinvestor/id/41576745

WCI #476: Factor Investing: Should You Tilt Your Portfolio? 06/18/2026

WCI #476: Factor Investing: Should You Tilt Your Portfolio? Should investors stick with traditional index funds, or does factor investing deserve a place in a portfolio? In this episode of the White Coat Investor Podcast, we interview Jeromey Thornton from Avantis about the firm’s origins, investment philosophy, and approach to factor investing. We discuss portfolio tilts, the evidence behind factor premiums, how investors should think about choosing funds, and what makes Avantis different from DFA. Whether you’re a dedicated index fund investor or considering factor tilts for the first time, this episode explores the tradeoffs, potential benefits, and practical considerations involved. This episode is brought to you by K! For six years, White Coat member benefit partner, Laurel Road, has been part of KeyBank. As of March 16th, that partnership becomes even stronger as Laurel Road is now officially under the KeyBank brand. With the transition to KeyBank, the same tools and services you rely on now come with enhanced resources and support and the same great experience you trust. WCI members can continue to enjoy the benefits and financial resources as they always have, with even more support from KeyBank. To learn more and for terms and conditions, please visit The White Coat Investor Podcast launched in January 2017, and since then, millions have downloaded it. Join your fellow physicians and other high income professionals and subscribe today! Host, Dr. Jim Dahle, is a practicing emergency physician and founder of The White Coat Investor blog. Like the blog, The White Coat Investor Podcast is dedicated to educating medical students, residents, physicians, dentists, and similar high-income professionals about personal finance and building wealth, so they can ultimately be their own financial advisor-or at least know enough to not get ripped off by a financial advisor. We tackle the hard topics like the best ways to pay off student loans, how to create your own personal financial plan, retirement planning, how to save money, investing in real estate, side hustles, and how everyone can be a millionaire by living WCI principles. Website: YouTube: Student Loan Advice: TikTok: Facebook: Twitter: Instagram: Subreddit: Online Courses: Newsletter: /episode/index/show/whitecoatinvestor/id/41539970

MtoM #279: The Financial Decisions That Built a Millionaire Doctor 06/15/2026

MtoM #279: The Financial Decisions That Built a Millionaire Doctor How quickly can a physician build wealth after training? In this Milestones to Millionaire episode, we meet a doctor who became a millionaire just four years after completing training while also paying off student loans in only two years. We discuss the financial decisions, habits, and priorities that helped accelerate wealth building early in this physician’s career. This episode highlights the impact of intentional financial choices during the first few years as an attending. 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 Celebrating your stories of success along the journey to financial freedom! Tune in every Monday to the Milestones to Millionaire Podcast, where we celebrate the financial achievements of our listeners and share practical tips for reaching your own milestones. We want to celebrate your milestones—no matter how big or small—and help inspire others to follow your lead. Every week, these episodes feature one listener who has recently achieved a milestone they are proud of and want to celebrate, and they give any advice they have for those who want to follow their example. Make sure to listen every Monday to be inspired by your fellow white coat investors. Celebrate YOUR Milestone on the Milestones to Millionaire Podcast: Website: YouTube: Student Loan Advice: TikTok: Facebook: Twitter: Instagram: Subreddit: Online Courses: Newsletter: /episode/index/show/whitecoatinvestor/id/41513020

WCI #475: Do Physicians Need a Family Office? 06/11/2026

WCI #475: Do Physicians Need a Family Office? What is a family office, and do physicians actually need one? In this episode of the White Coat Investor Podcast, we speak with Josh Kanter about the concept of family offices, the story of Burton W. Kanter, and how high-income professionals can think about organizing, managing, and communicating wealth. We also discuss tools like LeafPlanner, approaches to teaching children about family finances, and whether a formal family office structure makes sense for physicians. This episode explores the intersection of wealth management, legacy planning, and family communication. LeafPlanner's Complexity Calculator: https://leafplanner.com/complexity-calculator Artwork in background by George Nick, from the collection of Art Enterprises, Ltd. is a free, unbiased educational resource about locum tenens – it’s not a staffing agency. They help answer your questions about the how-to’s of locum tenens work on their website, podcast, webinars, videos, and they even have a locums 101 crash course. Locumstory.com is where you should go to find out if locums makes sense for you and your career goals. Locumstory is unique because it’s more of a peer-to-peer platform, with real physicians sharing their experiences and stories – both the good and bad – about working locum tenens – hence the name, “Locum-story.” . The White Coat Investor Podcast launched in January 2017, and since then, millions have downloaded it. Join your fellow physicians and other high income professionals and subscribe today! Host, Dr. Jim Dahle, is a practicing emergency physician and founder of The White Coat Investor blog. Like the blog, The White Coat Investor Podcast is dedicated to educating medical students, residents, physicians, dentists, and similar high-income professionals about personal finance and building wealth, so they can ultimately be their own financial advisor-or at least know enough to not get ripped off by a financial advisor. We tackle the hard topics like the best ways to pay off student loans, how to create your own personal financial plan, retirement planning, how to save money, investing in real estate, side hustles, and how everyone can be a millionaire by living WCI principles. Website: YouTube: Student Loan Advice: TikTok: Facebook: Twitter: Instagram: Subreddit: Online Courses: Newsletter: /episode/index/show/whitecoatinvestor/id/41498855

MtoM #278: This Doctor's Investment Gains Beat His Contributions 06/08/2026

MtoM #278: This Doctor's Investment Gains Beat His Contributions What happens when your investment growth starts exceeding the amount you are contributing each year? In this Milestones to Millionaire episode, we talk with a physician who reached an important investing milestone: annual portfolio growth that outpaced new contributions. We discuss what this stage of wealth building can look like, lessons learned along the way, and advice for other physicians pursuing long-term financial independence. Plus, a bonus story: this doctor shares an unexpected win on Jeopardy!. This podcast is sponsored by . 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 today by email or by calling (973) 771-9100. Celebrating your stories of success along the journey to financial freedom! Tune in every Monday to the Milestones to Millionaire Podcast, where we celebrate the financial achievements of our listeners and share practical tips for reaching your own milestones. We want to celebrate your milestones—no matter how big or small—and help inspire others to follow your lead. Every week, these episodes feature one listener who has recently achieved a milestone they are proud of and want to celebrate, and they give any advice they have for those who want to follow their example. Make sure to listen every Monday to be inspired by your fellow white coat investors. Celebrate YOUR Milestone on the Milestones to Millionaire Podcast: Website: YouTube: Student Loan Advice: TikTok: Facebook: Twitter: Instagram: Subreddit: Online Courses: Newsletter: /episode/index/show/whitecoatinvestor/id/41444030

WCI #474: Choosing the Right Investment Accounts 06/04/2026

WCI #474: Choosing the Right Investment Accounts How should physicians think about choosing the right investment accounts? In this episode of the White Coat Investor Podcast, we discuss several common account and investing questions, including Roth versus traditional contributions, isolating basis within a TSP, managing multiple solo retirement plans, and whether a business should have a brokerage account. We also explore the tradeoff between investing and paying tuition during medical school, along with broader considerations around account structure, tax efficiency, and long-term financial planning. Choosing the right accounts can meaningfully affect taxes, flexibility, and wealth building over time. This podcast is sponsored by . 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 today by email or by calling (973) 771-9100. The White Coat Investor Podcast launched in January 2017, and since then, millions have downloaded it. Join your fellow physicians and other high income professionals and subscribe today! Host, Dr. Jim Dahle, is a practicing emergency physician and founder of The White Coat Investor blog. Like the blog, The White Coat Investor Podcast is dedicated to educating medical students, residents, physicians, dentists, and similar high-income professionals about personal finance and building wealth, so they can ultimately be their own financial advisor-or at least know enough to not get ripped off by a financial advisor. We tackle the hard topics like the best ways to pay off student loans, how to create your own personal financial plan, retirement planning, how to save money, investing in real estate, side hustles, and how everyone can be a millionaire by living WCI principles. Website: YouTube: Student Loan Advice: TikTok: Facebook: Twitter: Instagram: Subreddit: Online Courses: Newsletter: /episode/index/show/whitecoatinvestor/id/41397370

MtoM #277: Graduating Residency with a $200K Net Worth 06/01/2026

MtoM #277: Graduating Residency with a $200K Net Worth What does strong financial progress during residency actually look like? In this Milestones to Millionaire episode, we talk with a physician who is graduating residency with a $200K net worth and discuss the decisions that helped make that milestone possible. We also explore the role military medicine played in this physician’s journey, including lessons for doctors considering a military career path. This episode highlights how early financial planning, career decisions, and long-term consistency can influence wealth building before reaching attending income. Since April 2021, more than 650 physicians in the White Coat community have invested over $300 million with , a 12-time Inc. 5000 honoree that offers four private real estate investment funds—one of my favorite ways to invest in real estate. If you’re eager to achieve success as a private real estate investor, DLP’s impact-focused sponsored funds offer the potential to earn double-digit returns while making an impact on America’s affordable housing crisis. Interested in learning more? Head to today. Celebrating your stories of success along the journey to financial freedom! Tune in every Monday to the Milestones to Millionaire Podcast, where we celebrate the financial achievements of our listeners and share practical tips for reaching your own milestones. We want to celebrate your milestones—no matter how big or small—and help inspire others to follow your lead. Every week, these episodes feature one listener who has recently achieved a milestone they are proud of and want to celebrate, and they give any advice they have for those who want to follow their example. Make sure to listen every Monday to be inspired by your fellow white coat investors. Celebrate YOUR Milestone on the Milestones to Millionaire Podcast: Website: YouTube: Student Loan Advice: TikTok: Facebook: Twitter: Instagram: Subreddit: Online Courses: Newsletter: /episode/index/show/whitecoatinvestor/id/41338175

WCI #473: Risk, Reward, and Smarter Investing 05/28/2026

WCI #473: Risk, Reward, and Smarter Investing How should investors think about risk, reward, and building a portfolio that actually matches their goals? In this episode of the White Coat Investor Podcast, we talk with Ben Carlson about themes from his new book Risk & Reward, including market fear, portfolio complexity, behavioral mistakes, and the tradeoffs involved in investing decisions. We discuss questions many investors wrestle with: real estate versus stocks, crypto investing, factor tilts, tactical asset allocation, gold, paying off debt versus investing, and balancing risk across a portfolio. The conversation also explores why investing should not be entertaining, what mistakes investors make most often, and how to think clearly when markets feel uncertain. Today’s episode is brought to us by , 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 SoFi Student Loans are originated by SoFi Bank, N.A. Member FDIC. Additional terms and conditions apply. NMLS 696891. The White Coat Investor Podcast launched in January 2017, and since then, millions have downloaded it. Join your fellow physicians and other high income professionals and subscribe today! Host, Dr. Jim Dahle, is a practicing emergency physician and founder of The White Coat Investor blog. Like the blog, The White Coat Investor Podcast is dedicated to educating medical students, residents, physicians, dentists, and similar high-income professionals about personal finance and building wealth, so they can ultimately be their own financial advisor-or at least know enough to not get ripped off by a financial advisor. We tackle the hard topics like the best ways to pay off student loans, how to create your own personal financial plan, retirement planning, how to save money, investing in real estate, side hustles, and how everyone can be a millionaire by living WCI principles. Website: YouTube: Student Loan Advice: TikTok: Facebook: Twitter: Instagram: Subreddit: Online Courses: Newsletter: /episode/index/show/whitecoatinvestor/id/41381425

MtoM #276: Part-Time Millionaire as a Government Doctor 05/25/2026

MtoM #276: Part-Time Millionaire as a Government Doctor What does long-term wealth building look like as a government physician? In this Milestones to Millionaire episode, we talk to a doctor who became a TSP millionaire while transitioning to part-time work and maintaining a strong long-term investing strategy. We also cover lessons learned along the way, including career flexibility, retirement investing through the Thrift Savings Plan, and practical advice for other physicians pursuing financial independence. This episode highlights the power of consistency, disciplined investing, and aligning work with lifestyle priorities over time. This podcast is sponsored by . 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 today by email or by calling (973) 771-9100. Celebrating your stories of success along the journey to financial freedom! Tune in every Monday to the Milestones to Millionaire Podcast, where we celebrate the financial achievements of our listeners and share practical tips for reaching your own milestones. We want to celebrate your milestones—no matter how big or small—and help inspire others to follow your lead. Every week, these episodes feature one listener who has recently achieved a milestone they are proud of and want to celebrate, and they give any advice they have for those who want to follow their example. Make sure to listen every Monday to be inspired by your fellow white coat investors. Celebrate YOUR Milestone on the Milestones to Millionaire Podcast: Website: YouTube: Student Loan Advice: TikTok: Facebook: Twitter: Instagram: Subreddit: Online Courses: Newsletter: /episode/index/show/whitecoatinvestor/id/41252955

WCI #472: Financial Questions New and Established Doctors Face 05/21/2026

WCI #472: Financial Questions New and Established Doctors Face In this episode of the White Coat Investor Podcast, we answer a range of financial questions relevant to both new and experienced physicians. Topics include handling a parent’s reverse mortgage, refinancing during residency, structuring compensation within an S-corporation, whether brokerage accounts belong inside an LLC, and evaluating a Vanguard variable annuity. We also recognize graduating physicians entering the next phase of their careers and discuss practical financial decisions that can have long-term implications. This episode focuses on thoughtful financial planning, avoiding unnecessary complexity, and understanding tradeoffs before making major decisions. Today’s episode is brought to us by , 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 SoFi Student Loans are originated by SoFi Bank, N.A. Member FDIC. Additional terms and conditions apply. NMLS 696891. The White Coat Investor Podcast launched in January 2017, and since then, millions have downloaded it. Join your fellow physicians and other high income professionals and subscribe today! Host, Dr. Jim Dahle, is a practicing emergency physician and founder of The White Coat Investor blog. Like the blog, The White Coat Investor Podcast is dedicated to educating medical students, residents, physicians, dentists, and similar high-income professionals about personal finance and building wealth, so they can ultimately be their own financial advisor-or at least know enough to not get ripped off by a financial advisor. We tackle the hard topics like the best ways to pay off student loans, how to create your own personal financial plan, retirement planning, how to save money, investing in real estate, side hustles, and how everyone can be a millionaire by living WCI principles. Website: YouTube: Student Loan Advice: TikTok: Facebook: Twitter: Instagram: Subreddit: Online Courses: Newsletter: /episode/index/show/whitecoatinvestor/id/41361270

MtoM #275: How a Small-Town Doctor Built a Million-Dollar Portfolio 05/18/2026

MtoM #275: How a Small-Town Doctor Built a Million-Dollar Portfolio What does building wealth look like as a physician practicing in a smaller community? In this Milestones to Millionaire episode, we chat with a doctor who reached $1 million in investments and the financial decisions that helped make it possible. We also explore the benefits and tradeoffs of practicing in a small town, along with practical advice for physicians considering that career path. This episode highlights how location, lifestyle, and long-term consistency can shape financial outcomes over time. This episode is brought to you by KeyBank! For six years, White Coat member benefit partner, Laurel Road, has been part of KeyBank. As of March 16th, that partnership becomes even stronger as Laurel Road is now officially under the KeyBank brand. With the transition to KeyBank, the same tools and services you rely on now come with enhanced resources and support and the same great experience you trust. WCI members can continue to enjoy the benefits and financial resources as they always have, with even more support from KeyBank. To learn more and for terms and conditions, please visit https://www.whitecoatinvestor.com/keybank Celebrating your stories of success along the journey to financial freedom! Tune in every Monday to the Milestones to Millionaire Podcast, where we celebrate the financial achievements of our listeners and share practical tips for reaching your own milestones. We want to celebrate your milestones—no matter how big or small—and help inspire others to follow your lead. Every week, these episodes feature one listener who has recently achieved a milestone they are proud of and want to celebrate, and they give any advice they have for those who want to follow their example. Make sure to listen every Monday to be inspired by your fellow white coat investors. Celebrate YOUR Milestone on the Milestones to Millionaire Podcast: Website: YouTube: Student Loan Advice: TikTok: Facebook: Twitter: Instagram: Subreddit: Online Courses: Newsletter: /episode/index/show/whitecoatinvestor/id/41215635

WCI #471: What My Brain Tumor Taught Me About Life and Money 05/14/2026

WCI #471: What My Brain Tumor Taught Me About Life and Money In this episode of the White Coat Investor Podcast, Dr. Josh Daily shares his experience with a brain tumor recurrence and how it reshaped his perspective on life, work, and money. We discuss the emotional and practical realities of facing a serious diagnosis, including the role of disability insurance and the importance of preparing for uncertainty. More importantly, this conversation explores deeper questions: what makes a good life, whether money can create happiness, and how generosity fits into a meaningful financial plan. This episode serves as a reminder that financial decisions are ultimately in service of something larger. This podcast is sponsored by . 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 today by email info@protuity.com or by calling (973) 771-9100. The White Coat Investor Podcast launched in January 2017, and since then, millions have downloaded it. Join your fellow physicians and other high income professionals and subscribe today! Host, Dr. Jim Dahle, is a practicing emergency physician and founder of The White Coat Investor blog. Like the blog, The White Coat Investor Podcast is dedicated to educating medical students, residents, physicians, dentists, and similar high-income professionals about personal finance and building wealth, so they can ultimately be their own financial advisor-or at least know enough to not get ripped off by a financial advisor. We tackle the hard topics like the best ways to pay off student loans, how to create your own personal financial plan, retirement planning, how to save money, investing in real estate, side hustles, and how everyone can be a millionaire by living WCI principles. Website: YouTube: Student Loan Advice: TikTok: Facebook: Twitter: Instagram: Subreddit: Online Courses: Newsletter: /episode/index/show/whitecoatinvestor/id/41292680

MtoM #274: How This Doctor Became Mortgage-Free Using Geographic Arbitrage 05/11/2026

MtoM #274: How This Doctor Became Mortgage-Free Using Geographic Arbitrage What role can geographic arbitrage play in your financial plan? In this Milestones to Millionaire episode, we discuss how one physician used geographic arbitrage to become mortgage-free and improve overall financial flexibility. We also review lessons learned from relocating, including how cost of living, income, and lifestyle choices can influence long-term financial outcomes. If you are considering a move or evaluating how location impacts your finances, this episode provides a practical perspective on tradeoffs and opportunities. 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. Celebrating your stories of success along the journey to financial freedom! Tune in every Monday to the Milestones to Millionaire Podcast, where we celebrate the financial achievements of our listeners and share practical tips for reaching your own milestones. We want to celebrate your milestones—no matter how big or small—and help inspire others to follow your lead. Every week, these episodes feature one listener who has recently achieved a milestone they are proud of and want to celebrate, and they give any advice they have for those who want to follow their example. Make sure to listen every Monday to be inspired by your fellow white coat investors. Celebrate YOUR Milestone on the Milestones to Millionaire Podcast: Website: YouTube: Student Loan Advice: TikTok: Facebook: Twitter: Instagram: Subreddit: Online Courses: Newsletter: /episode/index/show/whitecoatinvestor/id/41166260

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