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

How PAs, NPs, and Pharmacists Are Building Millions (Even Without High Salaries)

lifestyle wealth Jun 27, 2025

If you’re a PA, NP, or pharmacist and think wealth building is only for people in higher-paying specialties or dual-income households with no debt—this blog is for you.

The truth? It’s 100% possible to become a multi-millionaire with a six-figure income, even if you’re working in primary care, living in a high cost-of-living area, or just starting out. How do we know? Because we’ve helped medical professionals just like you do exactly that.

Below are five real client case studies to show you what’s possible with the right systems, strategy, and support.

CASE 1: Kelly, a Primary Care PA, Married to an RN

Challenge: Lower-paying specialty + early 30s with limited investments
Goals: Reduce hours when they start a family, retire early with flexibility

What We Did:

  • Optimized their PSLF strategy to save $600/month on student loan payments
  • Reallocated that money into an investing system
  • Completely overhauled their account structure and monthly contributions

Result:
Kelly and her sp...

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Why I Stopped Paying for Someone To Manage My Investments, and Saved Over $1.5 Million

lifestyle wealth Jun 19, 2025

If you're a PA, NP, or pharmacist and you've ever thought, "Personal finance is just too complicated for me," you're not alone. That’s exactly what most of us are conditioned to believe.

But here's the truth: learning to manage your own money could save you more than $1.5 million in your lifetime. I know this because I’ve lived it.

My Story: From Student Debt to Seven Figures

When I graduated as a critical care PA, I had $161,000 in student loans and zero assets. Like many new grads, I was eager to "do the right thing", so I hired a financial advisor and opened a Roth IRA through Edward Jones.

It felt like I was checking all the right boxes. But years later, I realized I had paid thousands in fees without even realizing it: fees that were quietly dragging down my returns.

Once I learned to manage my portfolio myself, everything changed. Less than a decade later, I hit $1 million in net worth at age 31.

The Cost of Not Learning Personal Finance

Most medical professionals fall int...

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Can You Really Become a Multi-Millionaire as a PA, NP, or Pharmacist?

lifestyle wealth Jun 12, 2025

When I first became a PA, I thought hitting $1 million in net worth would mean I “made it.”

But now that I’ve actually crossed that milestone, and helped hundreds of medical professionals do the same. I can tell you this:

A million dollars isn’t enough.
If you want to retire comfortably (or early), reduce your clinical hours, or stop working when your health is still good, you’ll probably need $3–4 million or more.

Let’s break down why that number matters, and how I built wealth faster than most people thought possible.

Why $1M Won’t Cut It Anymore

Here’s what most people don’t realize:

If you retire with $1 million, and use the standard 4% withdrawal rule, that gives you just $40,000/year to live on. Not exactly luxurious.

Now add inflation into the mix.
What feels like enough today won’t go nearly as far by the time we’re 65.

Example:

At 35 years old, if I spend about $70K/year, I’d need $3.7M by age 65 to maintain that lifestyle.
(That’s the inflation-adjusted cost.)

So no…...

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How Medical Professionals Can Earn $10K+ a Year in Passive Income (Without Working More)

lifestyle wealth Jun 05, 2025

How Medical Professionals Can Earn $10K+ a Year in Passive Income (Without Working More)

What if your money could work harder, so you don’t have to?

Whether your goal is an extra $10K, $20K, or $50K/year, building passive income as a PA, NP, pharmacist, or physician is 100% possible. But not all passive income streams are created equal.

In this post, we’re breaking down the top 3 cash-flowing investment strategies that medical professionals are using in 2025 to earn more: without picking up extra shifts.

1. Dividends from the Stock Market – True Passive Income

Barrier to entry: Low
Truly passive: âś…
Tax advantages: âś… (qualified dividends = long-term capital gains rate)

But here’s the catch:

To earn $50K/year from dividends, you’d need to invest $1 million at a 5% dividend yield. Most people can’t do that in the early wealth-building years.

  This is the easiest place to start. Open a brokerage through Fidelity, Vanguard, or Schwab and invest in ETFs and index funds that pay divi...

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Don't Outlive Your Healthspan: 3 Financial Moves Medical Professionals Need to Make

lifestyle May 29, 2025

Why Your Healthspan Might End Before Retirement (and What to Do About It)

Most medical professionals expect to retire around age 65, but what if your body doesn't make it that far?

In the U.S., the average lifespan is 78, but the average healthspan is only 63. That means most people become too tired, immobile, or unhealthy to enjoy their lives before they stop working.

If you're planning to wait until 65 to live your best life, you might already be running out of time.

So what's the solution?

You build wealth before your health fades. And that means understanding three powerful money strategies that allow you to:

  • Work fewer hours
  • Retire early
  • Actually enjoy the time you've earned

Let's break down each strategy.

Coast FIRE: Invest Aggressively, Then Coast

Coast FIRE means front-loading your investments early so they can grow on their own. Once you hit your "coast" number, you no longer need to actively invest.

Your money keeps compounding, even if you:

  • Reduce hours
  • S...
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How to Plan a Money Date: Build Wealth and a Stronger Relationship

lifestyle wealth May 22, 2025

As a PA-C and money expert,, I’ve worked with thousands of medical professionals who are trying to juggle busy lives, growing careers, and massive student loans. But there’s one thing my husband and I started doing years ago that changed everything in our relationship and our finances:

We started having quarterly money dates.

It’s not just about budgets. It’s about alignment, goal setting, and long-term wealth building…. together.

What Is a Money Date (And Why Every Couple Needs One)?

A money date is a structured yet relaxed time to check in with your partner about money without distractions or stress. It’s a chance to:

  • Celebrate financial wins
  • Review spending & progress
  • Set clear, intentional goals
  • Avoid miscommunication about money
  • Stay on the same page (and build real wealth)

And when done right? It turns “you and me” into a financially unstoppable we.

How Often Should You Do It?

Quarterly is ideal. Once every 90 days keeps things on track without being overwhelmin...

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The Two Numbers That Actually Build Wealth as a Medical Professional (It’s Not Cutting Your Amazon Budget)

Uncategorized May 15, 2025

If you're a PA, NP, pharmacist, or physician looking to grow your net worth in 2025, you’ve probably been told to:

  • Cancel subscriptions
  • Stop ordering takeout
  • Book budget travel instead of luxury hotels
  • Avoid Target like the plague

Sound familiar?

The truth? Those things barely move the needle. If you want to actually build wealth, there are two key numbers that matter more than anything else:
âś… Your income
âś… Your investing rate

Let’s break down how these two levers work and what happens if you ignore them.

Why Most Medical Professionals Focus on the Wrong Financial Fixes

We get it, you’re busy. You’re working full-time (or overtime), possibly paying down six figures in student loans, and the internet is flooded with advice to “spend less on lattes.”

đź’ˇ Here's the truth:
You can’t budget your way to millionaire status.

The tiny tweaks (like skipping brunch or canceling Netflix) don’t make you financially free. And while frugality has its place, it’s not your main path to w...

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Why Following Dave Ramsey’s Advice Cost Me Thousands as a Medical Professional

debt lifestyle May 08, 2025

When I graduated from PA school back in 2016, I did what a lot of new grads do when they’re desperate for financial guidance:

I followed Dave Ramsey’s plan.

I was told:
❌ Don’t invest until you’re debt free.
❌ Pay off all your student loans as fast as you can.
❌ Use a financial advisor to pick actively managed mutual funds.

And honestly? It cost me a lot of money and years of delayed wealth-building.

If you’re a PA, NP, pharmacist, or physician with over six figures in student loan debt, this post is your warning. Dave Ramsey’s advice might be dangerous for you.

Why Dave Ramsey’s Advice Doesn’t Work for Medical Professionals

Let’s be clear: Dave Ramsey has helped millions of people get out of credit card debt, avoid car loans, and live below their means.

But that advice is great for the masses, not for medical professionals with $100K+ in federal student loan debt.

When your debt is extreme and your income is delayed due to years of training, you’re not on the financial bell cu...

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The One Student Loan Metric Every New Grad PA-C & Medical Professional Needs to Know

debt lifestyle wealth May 06, 2025

If you’re a new grad PA, NP, PharmD, or medical professional trying to figure out how the heck you’re supposed to manage your student loans… there’s one number that changes everything:

Your Debt-to-Income Ratio.

This simple calculation determines: 

âś… Whether PSLF is worth it
âś… If private practice is even an option
âś… How painful your monthly payments will be
✅ And how much flexibility you’ll actually have in your career

Let’s break down why debt-to-income ratio (DTI) matters so much, especially if you're just starting out.

What Is Debt-to-Income Ratio (DTI) for Medical Professionals?

Your debt-to-income ratio is your total student loan debt divided by your anticipated annual income.

Example:
If you graduate with $100K in student loans and expect to earn $100K as a PA, your DTI is 1:1.

If you have $200K in loans, and still earn $100K, your DTI is 2:1.

🎯 Key tip: Use starting salary, not median salary, especially if you’re still in school or early in your career.

The Ideal DTI Rat...

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Wealth Building Lessons of 2024

wealth Dec 30, 2024

We became millionaires at 31/32 as a PA-C and construction manager.

Our net worth gains in 2024 were much greater than our annual income, because our money was out earning more money for us.

Here are the top 10 lessons I learned in 2024 about building wealth:

(I didn’t even believe #7 was true a few years ago...)

 

  1. Results are based on compounded efforts. If we saw gains this year, it wasn’t because of what we did this year. It was the cumulative efforts of the last 6 years of aggressive investing. Basically, the candy came out of the piñata. It wasn’t because we hit the piñata once in 2024. It was because we hit it over and over again every year leading up to this one.
  2. Mistakes are part of the journey. If you’re not making mistakes, you’re not trying hard enough. The biggest hurdle isn’t actually the objective loss you sustain from any mistake, it’s the potential for falling into a mindset that doesn’t serve you as a result.
  3. Skills compound like money. Nothing is more valuabl
  4. ...
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