Best ER Doc Advisor Podcasts (2025)

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Ep #235: Twitchy Markets & Tariff Shock: The Biggest Market Swing in History 20:26

6d ago20:26

20:26

Markets just experienced one of the most dramatic intraday reversals in history — and at the center of it all? Tariffs. In this episode, we dive into how sudden trade policy shifts, particularly around President Trump’s tariff announcements, are sending shockwaves through investor sentiment and market pricing. We’ll break down what tariffs actually…

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Ep #234: The Real Tax Hack? Making April 15 Boring 18:11

13d ago18:11

18:11

Today is what most people call the “tax deadline” — but that term is more misleading than helpful. In reality, April 15 is less of a final cutoff and more of a decision point: you either file your return or file for an extension. In this episode, we’ll walk through why the panic surrounding this date is often unnecessary, especially for those with …

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Ep #233: Match Day & Money: Why Your Financial Future Deserves the Same Strategy 13:42

20d ago13:42

13:42

Match Day is an unforgettable milestone—the moment your medical journey becomes real, and the future you've worked so hard for finally starts to take shape. But what often gets overlooked is how your match decision can deeply impact your financial path. From student loans and cost of living to career opportunities and long-term goals, your choice m…

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Ep #232: Student Loan Uncertainty: Key Updates for ER Doc Borrowers 17:50

27d ago17:50

17:50

Student loans — especially under income-driven repayment (IDR) plans — continue to be one of the most asked-about topics among ER docs. With all the recent changes, pauses, and legal uncertainty, figuring out what to do next has become increasingly difficult. We’re recording this episode to help break down the latest updates, including the major ch…

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Ep #231: Fear the Market? Why ER Docs Should Invest Anyway 23:51

1M ago23:51

23:51

The market is down, volatility is everywhere, and if you’re feeling uneasy about investing right now—you’re not alone. It can be terrifying to watch your portfolio drop or to commit new money when uncertainty is high. But history has shown that those who stay the course and follow key investing principles come out ahead in the long run. Today, we’r…

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Ep #230: The Shrinking IRS: What It Means for Your Taxes 26:18

2M ago26:18

26:18

Big changes are happening at the IRS—thousands of employees are being laid off, and that could mean longer wait times, delayed refunds, and even fewer audits… for now. But does this mean you’re in the clear to take more risks on your taxes? On today’s episode, we’re diving into what these IRS cuts really mean for you, how to stay out of trouble, an…

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Ep #229: From Mowing Lawns to Millions: A Kid's (and Adult's) Guide to Wealth 35:57

2M ago35:57

35:57

Today, we’re talking about what every kid and teen should know about personal finance—starting with the basics: What is money? Why should you save? And how can just $100 grow into thousands over time? Today, kids are flooded with flashy social media influencers pushing get-rich-quick schemes—so how do we convince them that slow, steady investing is…

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Ep #228: From $50K to $62M: The Math Behind Future Value & Long-Term Wealth 15:53

2M ago15:53

15:53

Many underestimate how much their assets can grow—or how much they'll need for retirement. A $5M goal today could mean $12M+ in 30 years due to inflation, making financial targets seem daunting. By understanding compounding, inflation, and strategic adjustments, you can make smarter decisions today that have a massive impact tomorrow. We'll break d…

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Ep #227: The Capital Gains Playbook: Minimize Taxes, Maximize Wealth 23:23

2M ago23:23

23:23

Whether you're selling stocks, real estate, or a business, capital gains taxes can take a huge bite out of your profits. But here's the good news—you have control over when and how you sell assets, and with the right strategies, you can significantly reduce your tax bill. From understanding short-term vs. long-term capital gains rates, to tax-loss …

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Ep #226: Maxing Your 401(k) Out Early in the Year? Why That Could Be an $800K Mistake 18:53

3M ago18:53

18:53

Think you’re getting your full 401(k) employer match? You may need to think again. Even if you max out your contributions every year, the way you elect to defer your paycheck could be quietly costing you thousands in free money. In this episode, we break down the hidden flaw in many employer match structures, why high earners—like ER doctors—are es…

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Ep #225: Election Year Markets: The Surprising Truth Behind Predictions 13:36

3M ago13:36

13:36

On today's episode, we'll be diving into the unpredictable world of markets, investing, and economics. With the start of a new year and a new president, the market is full of mixed forecasts—half the experts are optimistic, while the other half are... not so much. But what’s the reality? We’ll look at past market performances, including the surpris…

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Ep #224: Breaking Down Trump's Tax Plan 23:12

3M ago23:12

23:12

With the inauguration of President Trump behind us, a wave of changes is already in motion—executive orders reshaping policies, and bold tax proposals that could have significant implications for your bottom line. While not everything in a campaign becomes reality, understanding these potential shifts is key to staying ahead. In this episode, we’re…

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Ep #223: The Largest Expense of Your Lifetime: Unpacking Hidden Taxes for ER Docs 28:35

3M ago28:35

28:35

When it comes to taxes, income tax often takes center stage in our minds. But for high-income earners, like ER doctors, the tax landscape is much broader and more complex. Beyond federal and state income taxes, there are hidden and often overlooked taxes that can quietly accumulate into a substantial burden. Let’s dive into how you can take control…

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Ep #222: Emergency Medicine 2025: Prioritizing You in a Corporate Healthcare World 17:32

3M ago17:32

17:32

This year brings new challenges for ER physicians—rising patient volumes, increasing administrative burdens, and the ever-present risk of burnout. In this episode, we’ll explore how these factors are reshaping careers and discuss practical strategies for maintaining balance, prioritizing mental health, and aligning your work with your personal and …

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Ep #221: Steady Hands on the Wheel: Your Plan for 2025 14:20

4M ago14:20

14:20

As the new year begins, it’s the perfect time for ER doctors to hit the reset button on their finances. In this episode, we’ll explore how to create a financial game plan that works for your unique career and lifestyle. From setting achievable money goals to tackling student debt and maximizing investments, this episode will help you start the year…

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Ep #220: Retiring to Locums 14:34

4M ago14:34

14:34

Today we're diving deep into a retirement strategy that's gaining traction—we'll call it "phased retirement." Instead of the traditional abrupt transition from full-time work to complete leisure, phased retirement allows Emergency Physicians to gradually wind down their careers by transitioning to locum tenens positions. This approach offers a mult…

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Ep #219: Pre-Tax Retirement vs. Post-Tax Brokerage: Crunching the Numbers 18:15

4M ago18:15

18:15

Today, we’re revisiting a topic that keeps coming up in our conversations with clients and listeners—how to best approach your retirement contributions, specifically when it comes to choosing between pre-tax retirement accounts and post-tax brokerage accounts. We'll get into the math involved with the decisions and when it may be appropriate to lea…

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Ep #218: Year-End Financial Reflections 18:21

4M ago18:21

18:21

As we close out the year, it’s the perfect time for a financial checkup. While we often focus on our savings rate during our working years, once we transition into retirement, the spotlight shifts to something equally, if not more, important: our spending rate. Today, we’re diving into how the way we spend impacts our long-term financial security, …

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Ep #217: How to Maximize your Finances: 2024 Year-end Financial Tips 22:27

5M ago22:27

22:27

As the year wraps up, it’s time to turn our attention to the essential financial tasks that need to be checked off before January 1st, 2025. In today’s episode, we’ll walk you through the key deadlines and action items for your year-end financial checklist—everything from maxing out retirement contributions to taking care of your RMDs. Whether you'…

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Ep #216: Trump 2.0: The Potential Impact on Taxes, 401(k) Limits, and More 24:15

5M ago24:15

24:15

Today, we’ll break down the latest updates on 401(k), IRA, and HSA limits for 2025, and forecast the tax landscape under the new administration. We’ll also look at the possible extension and expansion of the TCJA, the SALT cap, and tax credits—and even provide a few things you may want to do before year-end and things you may want to wait to do unt…

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Ep #215: IRA Conversions and the Importance of a Coordinated Financial Approach 22:32

5M ago22:32

22:32

We’re diving into a topic that many people overlook when it comes to their finances—the importance of working with a unified financial team. We recently received a question from an investment manager of a client we only handle tax services for, and it sparked an important discussion about the need for clear communication between financial professio…

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Ep #214: Unpacking Student Loan Changes: A New Era for Borrowers Under Trump 20:42

5M ago20:42

20:42

So today, we're diving into our post-election world, with a focus on student loans. Trump, plus a Republican majority in the Senate, means there's, at minimum, uncertainty on the horizon as it pertains to loan programs - income-driven, PSLF, SAVE, and anything in between. If you’ve got student loans or you’ve been planning your path to forgiveness,…

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Ep #213: Roth vs. Traditional: The ER Doc's Guide to Tax-Optimized Retirement 16:13

6M ago16:13

16:13

In this episode, we explore the Roth vs. Traditional retirement account decision specifically for ER docs. With high income, fluctuating tax brackets, and the potential for major tax changes in the future, choosing the right account can significantly impact your long-term financial strategy. We break down the pros and cons of each account type, dis…

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Ep #212: Tax Savvy Investing: Gains, Losses, and Strategies 20:59

6M ago20:59

20:59

With the market performing well recently, many of you may find yourselves sitting on sizable gains in your portfolios. But how do you navigate these gains effectively to optimize your tax situation? On today's episode, we'll break down the mechanics of tax-gain harvesting—what it is, when to use it, and how it can potentially save you money—alongsi…

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Ep #211: Politics and Portfolios: The Financial Forecast 14:51

6M ago14:51

14:51

With so much perceived to be at stake and tensions running high, it's easy to get caught up in the political drama. However, as a finance-focused podcast, our aim is to shift the conversation toward how financial markets have historically reacted to election outcomes. We’ll explore the trends, debunk some myths about market behavior during election…

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Ep #210: The Essential Guide to Disability Insurance for ER Docs 31:58

6M ago31:58

31:58

Disability can be one of the most significant financial threats to your career and income. 1 in 7 people will suffer from a disability that will last at least 5 years. That's fairly decent odds for a potentially severe financial outcome. On today's episode, we’ll explore why having the right amount of coverage is vital, how to calculate your needs,…

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Ep #209: Getting Back to Basics: Essential Financial Foundations for Emergency Physicians 23:21

7M ago23:21

23:21

Finance can be complex. It's very easy to focus on the bells and whistles instead of the tried and true. So today, we’re stepping back to explore the core financial principles that every emergency physician should know. Understanding what areas to focus on, and which to avoid, is just as important whether you're fresh out of residency or a seasoned…

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Ep #208: Wake-Up Call: Is Your Cash Strategy Still on Track? 13:01

7M ago13:01

13:01

Over the past 14 years, we’ve seen a major shift in interest rates that’s changed how we handle cash. Starting back in 2008 during the financial crisis, rates were so low that many people kept minimal cash because it just wasn’t earning anything. But after the pandemic, rates climbed, making it easier to earn decent returns on savings. Now, as we e…

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Ep #207: Saving for a Stranger: How Perceptions of Our Future Selves Affect Financial Decisions 20:03

7M ago20:03

20:03

How do you perceive your future self? How you answer that may matter when it comes to your finances. Research shows we may have a particular POV when it comes to looking forward at our lives, which can lead to challenges in saving for retirement. On today’s episode, we'll explore how this disconnect, along with concepts like temporal discounting an…

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Ep #206: Confusing Economic Signs: Decoding the Chaos 20:58

7M ago20:58

20:58

We’ll kick today’s episode off with a surprising New York Times article that challenges the validity of supercentenarians and those so-called Blue Zones we discussed before. From there, we’ll explore the current economic landscape, where conflicting predictions are the name of the game. With a heated presidential race and fluctuating markets, it’s …

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Ep #205: Life in the ER: Dr. Brian Laakaniemi on Simplicity and Seizing the Moment 42:49

7M ago42:49

42:49

We’re excited to feature our first client on the Money Talk for ER Docs podcast! We’ve planned to do this for some time now and couldn’t be more thrilled to have Dr. Brian Laakaniemi as a guest as he discusses his path to EM as well as his finances. We love the idea of continuing to host existing clients on the podcast and we hope you, as a listene…

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Ep #204: Your Identity Was Likely Stolen: What You Should Do 15:54

8M ago15:54

15:54

Identity theft is a real concern for ER docs due to high patient interaction volume. Consider the reality that accessing an EP’s signature can open up opportunities to obtain medications or allow for other financially-driven motives. Combine this with other variables, such as higher income and thus higher credit limits and a busy lifestyle that may…

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Ep #203: The Mortgage Workaround Going ‘Round: Is Velocity Banking Legit? 18:55

8M ago18:55

18:55

We are constantly inundated with clickbait-y headlines and concepts that are hard to ignore. A once-a-day pill to shed fat, increase alertness, get wealthy, grow your hair back – whatever it may be, even the biggest skeptics can begin questioning their skepticism when painted a convincing enough picture. But what about velocity banking? Is it anoth…

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Ep #202: A SWOT Analysis of Emergency Physicians 22:13

8M ago22:13

22:13

From white water rafting to taking a trip to the grocery store, there’s always some level of practical analysis and mapping that can, and probably should, be performed. Doing so helps us make more informed decisions, capitalize on strengths, address weaknesses, seize opportunities, and mitigate threats to enhance overall well-being and productivity…

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Ep #201: Mortgage Interest Rates Are Dropping 15:35

8M ago15:35

15:35

We all have experienced a pretty rapid run-up in mortgage rates since 2020-2021. Of course, no one knows where the top (or bottom) will be moving forward. But at least over recent history, rates have dropped a good amount to the point where there are mortgage opportunities for many to explore. On today’s episode, we’ll discuss the decision-making p…

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Ep #200: Markets Are Volatile Again: Here's What To Do 24:14

9M ago24:14

24:14

The market and its behavior, though it may not feel like it, is predictable. It’s like a broken record: there will be ups and downs; some bigger than others. Despite this, in the moment, it can feel very serious or dire. But if we let history be our guide, there are plenty of lessons to draw from that show how to react and what to do to get through…

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Ep #199: Are You Happy in Emergency Medicine? 14:37

9M ago14:37

14:37

Happiness can come in so many forms. When it comes to the relationship between work and happiness, whether we care to admit it or not, they tend to be pretty intertwined. But what if they weren’t? How would you structure your life if you were optimizing for happiness over money? On today’s episode, we’ll get a bit psychological and look at the scie…

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Ep #198: Cash Balance Pension: Reconsidering How It Could Fit Within Your Financial Plan 15:03

9M ago15:03

15:03

Many ER docs may not be aware of cash balance pensions. These are a type of retirement plan that can really supercharge retirement savings and minimize tax liability. But buyer beware: these aren’t a DIY solution. That’s one of several reasons why they are underutilized despite being an extremely attractive option for saving large sums of money. On…

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Ep #197: Feeling Burnt Out? Is Pivoting and Earning Your Executive MBA Worthwhile? 17:18

9M ago17:18

17:18

Conventional wisdom would suggest that becoming more educated should result in earning more money. And when you combine that sentiment with ambitions of change either within or outside of emergency medicine, seeking an Executive MBA may be an appealing option, especially for an ER doc looking to reduce clinical hours. But when it comes to EM, more …

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Ep #196: Decreasing Compensation and Increased Interest in Unionization 21:18

10M ago21:18

21:18

It’s no surprise EM has experienced volatility over the past decade. Whether it’s in the form of general healthcare structure, insurance, government programs, private equity, and, importantly, compensation, it’s clear things may not be running as efficiently as they should be. This has led to talks of unionization growing in popularity as a means t…

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Ep #195: Important Form 5500 Deadline Approaching July 31st! 16:24

10M ago16:24

16:24

The majority of ER docs will earn contractor pay at some point in their career, which opens the door to new types of retirement accounts. One highly praised type is the individual 401(k). With all the great potential it brings, it also comes with additional responsibilities that can easily be overlooked if not careful, especially when considering t…

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Ep #194: Halfway Through 2024 – Where Do Your Finances Stand? 23:10

10M ago23:10

23:10

Maslow’s Hierarchy of Needs is a psychology theory that details our motivations as humans. Within that model, things like food, water, and health are all vital. But so, too, are employment status and property – actually within the same tier as health and safety. That shouldn’t be a surprise; our ability to fund our survival goes hand-in-hand with s…

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Ep #193: Envision’s Deferred Comp Plans are Terminating 21:45

10M ago21:45

21:45

What does the termination of a deferred compensation plan actually mean for employees? In the case of Envision, it appears to mean receiving a windfall of money upfront that was likely earmarked for retirement purposes. And if that wasn’t challenging enough, there’s inevitably going to be a tax hit that may not be fully realized until over a year a…

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Ep #192: How Long Will You Live? 22:23

10M ago22:23

22:23

There’s been a recent uptick in longevity protocols, research, medicine. There’s a lot of bio-hacking methods like fasting, ice baths, grounding, avoiding microplastics and other forever chemicals – basically it’s a hot topic and it’s exciting, enticing, and promising. However, what most people don’t consider is the financial impact of living longe…

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Ep #191: TikTok Financial Advice 20:22

11M ago20:22

20:22

Social media is explosive and fast-paced. It’s also a breeding ground for misinformation. If you’re an ER doc who is maybe in a place where you’re looking for any opportunity to pivot out of EM, or simply looking for an alternative source of income, you may find yourself intrigued by an influencer’s unscrupulous financial advice. On today’s episode…

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Ep #190: The IRS’ Dirty Dozen 24:39

11M ago24:39

24:39

There’s no question that most tax schemes blur the lines between fact and fiction. Every deduction can run afoul quickly, especially if abused. So much so that the IRS annually releases its own list to educate and inform the public about these schemes. On today’s episode, we go over the “dirty dozen;” many of which target high-income earners, like …

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Ep #189: What Are Your Options If You Get Behind on Your Taxes? 14:57

11M ago14:57

14:57

Back-taxes are accompanied by repetitive, concerning, and somewhat threatening letters from the IRS and third-party collectors. It can be intimidating. And it should be. The IRS is no joke. That’s when tax resolution companies take advantage of your vulnerability and attempt to sell a miracle pill. The reality is: you only have so many options with…

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Ep #188: How the Election Could Impact Your Taxes 28:31

11M ago28:31

28:31

Each and every year, the single largest expense an ER doc pays is their taxes. This means a large percentage of our professional careers is spent staying on top of current tax legislation and strategizing around ways to legally reduce taxes for our clients. We’ve all grown accustomed to the current tax code and laws, but things do change, and inevi…

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Ep #187: The 3 Worst Financial Decisions ER Docs Make 17:56

12M ago17:56

17:56

We just discussed the three best financial decisions an ER doc can make, but what about the three worst? What’s interesting is poor decisions have disproportionally worse outcomes than good decisions when it comes to finances. That’s something really crucial to understand and highlights why we are so risk adverse when it comes to the best ways for …

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Ep #186: The 3 Best Financial Decisions ER Docs Make 18:19

12M ago18:19

18:19

When you think about it, we all make millions of financial decisions over the course of our lives. Is it the culmination of all of those financial decisions that results in your success or not? Possibly. But there is undoubtedly a mindset that we see common in all of the most financially successful ER docs that provides the framework for each and e…

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ER Doc Advisor Podcasts

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