Binge read all things wealth building, debt reduction, & lifestyle.

How to Save as a PA-C (or Any Medical Professional Earning $100K+)

lifestyle wealth Oct 10, 2025

If you're a PA, NP, or pharmacist earning over $100K a year but your savings account still looks like it belongs to your student days... you're not alone.

I became a millionaire by age 31, not by winning the lottery or flipping houses—but by mastering the basics: saving, investing, and being intentional with money. In this post, I’ll walk you through how to calculate your real savings rate, strategies to save more without sacrificing joy, and how to build wealth faster.

Step 1: Know Your Actual Savings Rate

Most medical professionals have no idea what their savings rate is. If that’s you? Let’s fix that.

To find your savings rate:

  1. Add up ALL dollars you put toward true savings and investments each month. That includes:
    • Emergency fund deposits (your sinking funds for vacations don’t count)
    • 401(k), 403(b), or other employer retirement plan contributions
    • Roth IRA or brokerage account deposits
    • HSA contributions
  2. Then divide that number by your gross monthly income (not your ...
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From $0 to $1.2M in 7 Years: How PAs Can Become Millionaires Faster Than You Think

debt lifestyle wealth Oct 03, 2025

What if I told you that it’s possible to go from zero to over a million dollars invested in just 7 years on a PA salary?

No gimmicks. No crazy frugality. No lottery luck.

Just a clear, proven 3-step strategy any driven PA can follow.

Let’s break it all down.

Step 1: Cross the $200K Mark with Your Primary Job

This is where most PAs tap out, but it’s also where the biggest growth potential starts.

📊 According to data from Marit Health, 1 in 14 PAs already earn over $200K/year.

Here’s how to increase your odds of joining them:

✅ Choose a High-Earning Specialty:
Dermatology, critical care, cardiothoracic surgery, and PM&R consistently top the list. But it’s not just about the specialty—it’s about where you land within it.

💡 Specialties like dermatology, plastic surgery, and psychiatry have high intraspeciality variance in pay, meaning some PAs are crushing $200K+ while others are barely above average. Don’t just switch specialties… switch to a better-paying role within your speci...

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Top Paying PA Specialties in 2025: Where Physician Associates Are Earning the Most (and Least)

lifestyle wealth Sep 26, 2025

If you're a practicing PA, a PA student, or even considering PA school, you're probably asking yourself: Is the debt worth it? The good news? PA salaries are going up. The better news? You have more control over your income than you might think.

PA Salaries Are On the Rise (But Uneven)

According to the latest AAPA Salary Report, PA earnings rose 5.5% in 2024 alone. MGMA data shows:

  • Surgical PAs: median is up 15% since 2020
  • Non-surgical, non-primary care PAs: median is up 21%
  • Primary care PAs: median is up 30%

Sounds great for primary care, right? Not so fast. That percentage growth only tells part of the story. You need to look at absolute numbers and actual earning potential across subspecialties.

The 3 Highest Paying PA Specialties in 2025

Using Marit Health salary data, these are the current top-paying specialties:

  1. Dermatology — Average: $166K/year
    • Avg. weekly hours: 37
    • Also has highest percent of PAs earning $200K+
  2. Critical Care — (as a critical care PA myse...
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Still Treading Water With Money? Lock This In Before 2026 Arrives!

lifestyle Sep 19, 2025

If you're a medical professional who feels like you're working nonstop but not moving forward financially, you’re not alone. We're already more than halfway through the year—and if 2025 hasn’t brought the money progress you were hoping for, it’s not because you’re lazy. It’s because you don’t have the right systems in place.

Let’s fix that.

This moneycheck-in will help you:

  • Understand where you are in your wealth journey
  • Identify what’s missing from your strategy
  • Take specific action steps to make the second half of this year count

The Wealth Building Continuum (and Where You Fit In)

Everyone’s checklist will look different based on where they are in the wealth-building process. Think of it like a continuum. Most medical professionals go through these stages:

  1. Clear High-Interest Debt — Credit card debt, personal loans with interest rates >10%. These are urgent and must go first.
  2. Have a Strategy for Moderate-Interest Debt — Studen...
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Medical Professionals: Should You Pick a Roth or Traditional 401(k)?

Uncategorized Sep 12, 2025

Roth or Traditional 401(k)? Here's What I Tell Every Medical Professional

Choosing between traditional and Roth contributions to your 401(k) or 403(b) isn’t just a random checkbox—it could mean tens of thousands of dollars saved or lost across your career.

Let’s break down what actually matters in 2025 and beyond.

💡 Start with the Basics: What’s the Difference?

  • Traditional = Pre-tax contributions
     ✅ Lowers your taxable income today
     ⚠️ But you’ll pay taxes when you withdraw the money in retirement.

  • Roth = After-tax contributions
     ✅ You’ve already paid taxes upfront
     ⚠️ Withdrawals in retirement are 100% tax-free

The key thing to remember: Your 401(k) or 403(b) is one account, but it can have both traditional and Roth “buckets” inside. In 2025, your total contribution cap is $23,500—whether you do Roth, traditional, or a mix of both.

And no—this has nothing to do with your Roth IRA. Entirely separate thing.

🔁 What You’re Really Doing I...

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Will AI Replace Physician Assistants & Nurse Practitioners? Here’s What You Need to Know

lifestyle Sep 05, 2025

You’ve seen the headlines. You’ve heard the stats.
But let’s get real… will AI actually take your job as a PA or NP?

And more importantly: what can you do right now to protect your income, career, and long-term freedom?

Let’s break it all down without the fearmongering.

🚨 AI Disruption Is Real (But Not the Full Story)

AI is already shaking up industries, with projections estimating 85 million to 800 million jobs displaced by 2030.

In medicine, specialties like radiology and pathology are already seeing massive shifts.

But what about PAs and NPs?

Here’s the good news:

You probably won’t be replaced.
But your job will change—and those who adapt will thrive.

💡 Step 1: Understand Automatable Hours

AI disruption isn’t all-or-nothing. The most important question is:
How much of your job can be automated?

Examples of automatable roles:

  • Radiology = high risk
  • General medicine = moderate
  • Psychiatry = low (empathy can’t be coded)
  • Surgery/Pro...
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Trump Wants to Give Your Kid $1,000—But Is It Worth It?

lifestyle Aug 29, 2025

You’ve probably heard it already:
“Trump wants to give your kid a thousand bucks.”
And if you’re a medical professional trying to build wealth for your family, you’re probably wondering:

Is this legit? Should I open one of these Trump Accounts?

Let’s break it down... money-first, politics-neutral.

What Is the Trump Account?

This account is part of the One Big Beautiful Bill that’s officially passed and signed into law.

The details are still murky, but here is what the  Trump Account for kids plans to  offer:

✅ $1,000 in seed money for kids born in a specific time window from the federal government
✅ Up to $5,000/year in parental contributions allowed
✅ Tax-deferred growth
✅ Tax breaks (specifically taxed at capital gains rates rather than ordinary income brackets) if the money is used for:

  • Education
  • Housing
  • Starting a business

But if the money is used for anything else?
Ordinary income tax + a 10% penalty.

Also, all funds must be withdrawn by age 31.

Sounds Good… But How ...

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How to Make Your Kid a Millionaire by Age 35 (Yes, Really)

lifestyle wealth Aug 22, 2025

If you're a medical professional and either have kids or want kids someday, you've probably wondered:

How can I give them a financial head start I never had?

Let me show you how we’re doing it.

I’ve set up a system where both of my kids will be millionaires by the time they’re 35—and it doesn’t require hundreds of thousands of dollars.

It just takes intention, a few monthly contributions, and the right accounts.

First—This Is Not All or Nothing

Let me be clear:
You don’t need to hit millionaire status for this to be worth it.

Even if you can only do a fraction of this plan, you're still setting your kid up with a financial launchpad that most of us never had.

Even $100/month over time = six figures by adulthood. That’s still a huge win.

But if you do want to go all in, here’s exactly how we’re making millionaire status happen by age 35:

Step 1: Open a UTMA Account

We start with a UTMA account (Uniform Transfers to Minors Account)—
✅ It’s flexible
✅ It’s taxable
✅ And the mone...

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How to Buy a House as a PA, NP, or Pharmacist Without Screwing Up Your Financial Future

lifestyle Aug 15, 2025

The fastest way to wreck your finances as a medical professional?
Buying the wrong house.

I’ve seen it too many times—PAs, NPs, and PharmDs rushing into homeownership, only to end up house-poor, underinvested, and stuck in golden handcuffs for decades.

So if you’re dreaming of buying a home in the next 1, 2, or even 5 years, let’s walk through what really matters when it comes to buying a house without sabotaging your future freedom.

Step 1: Don’t Start With the House

Don’t start by asking what kind of house you want.
Start with: “What can I safely afford each month?”

This is one of the biggest money moves you’ll ever make—especially if you’re not planning to become a real estate investor. You’ve got to get this right.

Step 2: Calculate Your Max Monthly Housing Expense

Here’s the formula I use:

1️⃣ Take your gross annual household income (pre-tax)
2️⃣ Divide by 12 to get monthly income
3️⃣ Multiply by 0.2 (that’s 20%)

That number = your max monthly housing cost
✅ If you’re buying:...

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How Much Do PAs and NPs Really Need to Retire? (It’s Way More Than $1M)

Uncategorized Aug 11, 2025

I recently asked a room full of medical professionals, “Who here wants to work full-time until they’re 65?” Crickets.

No one dreams of spending four decades buried in EMRs and shift work. Most of us want options—whether that’s retiring early, reducing hours, or just being able to walk away if burnout hits hard. I find very few medical professionals don’t have a desire to never do medicine again - they just want control.

But here’s the truth no one tells you:
To have that freedom, you’re going to need a lot more money than you think.

Let’s break down what financial independence really takes—and how to actually hit that number.

What Financial Independence Actually Means

Financial independence means your assets pay for your life—forever. You’re not relying on your job, you’re not dependent on anyone else, and you get to decide how you spend your time.

You can build that a few different ways:

  • Real estate portfolios that cash flow

  • Ownership in operating businesses that send you pas...
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