Get real world advice on DIY credit and Debt Management and Relief. Each podcast is full of short powerful yet actionable information to help you achieve financial success and debt freedom. Also providing additional tools to help with your finances too.
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Wealthy After 40: Personal Finance, Financial Freedom, Debt Payoff, and Retirement Savings for Gen Xers
Dalene Higgins
Are you ready to transform retirement uncertainty into a clear, actionable plan? If you’re looking to retire in the next 5-10 years, you’ve come to the right spot. Only 54% of Gen Xers feel prepared for retirement, and a staggering 22% believe they’ll enjoy a comfortable lifestyle. If retirement planning and your finances feel overwhelming, you’re not alone! I’m Dalene Higgins, founder of Elevate Finances LLC, your financial and retirement coach. It’s time to stop avoiding your finances and ...
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The Freedom Formula for Physicians | How Doctors Cut Debt & Slash Taxes | Business Of Medicine | Financial Education
Dave Denniston
Helping Physicians Slash Their Debt, Slash Their Taxes, and Live a Liberated Lifestyle
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Ep 84 The Retirement Exercise That Changed My Life (And My Clients')
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Join the Financial Freedom Accelerator and create your plan for a stress-free retirement today! This episode is about the importance of creating a personal ‘why’ for retirement and defining it with such clarity that you can’t help but focus on making it become a reality. The episode shares personal experiences of setting retirement goals, working w…
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Ep 83 Navigating Social Security with Christopher Hensley
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Join the Financial Freedom Accelerator and create your plan for a stress-free retirement today! In this episode, I welcome guest, Christopher Hensley, a financial advisor with over two decades of experience, to discuss the complexities of Social Security. We discuss factors affecting the best time to start claiming benefits, special considerations …
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Ep 82 | 8 Powerful Reasons to Start Saving Now
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Join the Financial Freedom Accelerator and create your plan for a stress-free retirement today! In this episode, I discuss the importance of saving for retirement and how to ensure you have enough money when you retire. This episode outlines practical steps to manage money, eliminate unnecessary expenses, and build a robust saving habit. I also hig…
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Ep 81 Why A Money Routine Leads to Budgeting Success
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Join the Financial Freedom Accelerator and create your plan for a stress-free retirement today! In this episode, the host explores the secret to budgeting success—a consistent money routine. Listeners struggling to make their budgets work will discover how a structured approach to money management can transform their finances. A money routine is ab…
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Ep 80 A Journey of Financial Discipline and Growth With Alexandra Dotcheva
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Join the Financial Freedom Accelerator and create your plan for a stress-free retirement today! During this guest episode, I am lucky to interview Alexandra Dotcheva, who shares her transformative journey from an immigrant violinist to a financially independent real estate investor. She discusses the challenges she faced during the 2008 financial c…
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Ep 79 Shift from Emotional to Intentional Spending for a Worry-Free Retirement
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Join the Financial Freedom Accelerator and create your plan for a stress-free retirement today! In this episode, I discuss the emotions tied to spending and their impact on not only achieving financial goals, but making impactful decisions. I share a client story demonstrating the importance of identifying personal values to forge a positive relati…
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Ep 78 | 3 Ways to Make Sure You're On Track to Retirement
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Join the Financial Freedom Accelerator and create your plan for a stress-free retirement today! To have a happy and successful retirement takes more than just enough money. In this episode, I discuss three common retirement gaps that could lead to disappointment and boredom in retirement. Beyond the financial side, it’s essential to plan for your d…
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Ep 77 Can You Afford Retirement? Debunking the Myths Holding You Back
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Join the Financial Freedom Accelerator and create your plan for a stress-free retirement today! Will I run out of money in retirement? It’s a question many people ask in one form or another. In today’s episode, I explore why this question lingers in your mind and how you can shift your thinking to trust that you’ll be financially secure. We’ll dive…
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Ep 76 Why You Need To Stop Procrastinating and Invest in Yourself
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In this episode, I explore the common reasons why people hesitate to invest in themselves and share the story of a client who waited five years before taking action, highlighting the significant impact of that delay. I also dive into the concept of opportunity cost, the advantages of compound interest, and strategies for managing debt. Additionally…
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Ep 75 The Membership Experience of Make Retirement Possible
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In this episode, I share what you can expect inside of the Make Retirement Possible membership. The membership offers recorded trainings, worksheets, and a monthly live Q&A session to help members effectively plan their retirement. The experience is self-led and I share how to level up that self-led experience with support from myself, as well as h…
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Ep 74 Healing Trauma and Transforming Finances With Angela Turpin
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If you’re ready to break free from the emotional and financial patterns that have held you back, this conversation is for you. Angela Turpin shares powerful insights into healing money-related trauma and offers practical steps you can take today to create a healthier relationship with your finances. You’ll discover how decluttering can clear both y…
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Ep 73 How Tracking Can Transform Your Path to a Worry-Free Retirement
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In today’s episode, I dive into the importance of tracking expenses and how it is a crucial step toward retirement. Tracking helps build awareness and is essential to truly understanding your spending. It’s time to embrace tracking to better understand and improve your spending habits, but don’t make it a chore either. There are several suggestions…
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Ep 72 Wondering How to Secure Your Retirement? Here’s Your Guide to Financial Stability
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Today I am exploring the idea of financial stability and specifically answering the question: What is financial stability and why is it so crucial to retirement? Are you worried about running out of money in retirement? Not having enough savings? Are you worried about health care costs? Are you worried about being able to just support yourself and …
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[REPLAY] S4, Episode 31: Jon Appino- The First 5 Commandments of Employment Contracts
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Today, we are going to focus on physician employment contracts and chat with Jon Appino, the CEO of Contract Diagnostics. As a matter of fact, this is Jon's SECOND time on the show. This interview was recorded all the way back 2 years ago in the summer of 2016--- it inspired the contracts section of The Young Physician's Guide to Money & Life. Jon …
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Ep 71 Why You Feel Unprepared For Retirement
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In this episode, I discuss common reasons why many feel unprepared for retirement. The real culprit isn’t what you think it is. Learn the psychological and practical aspects of retirement as well as the steps needed to close the gap between your current financial situation and your retirement goals. 00:00 Why You Feel Unprepared For Retirement 01:3…
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[REPLAY] S4, Episode 30: The Young Physicians Guide to Money and Life - Background on the making of the book
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Welcome back to the latest episode of the Freedom Formula for Physician's podcast. This week we will be discussing my new book: The Young Physicians Guide to Money and Life. We will discuss the trials and tribulations that were involved while writing this book. Also, find out why this book was almost not released to the public. Please enjoy this ch…
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Ep 70 Am I Ready to Retire? Overcoming Doubt and Building a Retirement Dream
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In this episode, I dive into the idea of retirement, addressing limiting beliefs and why others perceptions are holding you back. Personal beliefs and dreams about retirement are essential to making it happen. Key points include paying off debt, exploring part-time work, budgeting, and savings. Ultimately, the aim is to help listeners plan a fulfil…
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[REPLAY] S4, Episode 29: The Wealth Formula with Buck Joffrey
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Our next guest is a surgeon turned serial entrepreneur, asset manager, and podcaster. He finished his surgical training in 2008. Since then, he has started multiple seven and eight-figure businesses and has amassed a substantial portfolio of investments in the real estate, energy, internet, and health sectors. He is also a financial educator. He is…
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Ep 69 Overcoming Job Loss and Managing ADHD Finances with Sherry Andrew
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In this episode, I interview Sherry, an ADHD money coach. Sherry shares her journey from losing her high-stress job of 17 years to becoming a specialized coach for ADHD entrepreneurs. She discusses her 'two by four moment,' the importance of budgeting, the challenges of managing finances with ADHD, and strategies to mitigate impulse spending. The c…
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[REPLAY] S4, Episode 28: Another Perspective on Land Flipping with Seth Williams, The RE Tipster
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More than a few times, you may have heard about my latest adventures inland flipping, but don't take my word for it... In this podcast, I welcome the one and only RE Tipster aka Seth Williams. This ruggedly handsome fella has been in the biz of real estate and land flipping over the last decade and his approach is in some ways very similar to mine,…
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Ep 68 How My Client Learned to Spend More On Herself
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In this episode I interview my client Angela, who shares her transformative experience in my signature coaching program. Angela discusses her initial struggles with budgeting, the steps she took to overcome her financial challenges, and the positive impact of coaching had on her financial habits and lifestyle. 01:26 Interview Begins 01:38 Angela's …
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[REPLAY] S4, Episode 27: Top 5 Podcasts of 2017- #1 The Tax Deductions I Didn‘t Know [With Craig Cody]
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This June we are focusing our attention on the Top 5 Podcasts that we had in 2017. They are a great mix of topics from real estate, taxes, and the ever-popular side hustle. Here are the notes and resources from this MOST popular episode EVER: Have you been wondering- how the heck can I pay less in taxes? If you have been grappling with this questio…
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Ep 67 Why Avoiding Budgets Can Lead to Missing Out
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In this episode, I talk about the common misconception that budgeting is too restrictive. As I dive into this topic as so many times I have and others have, I share with you the true result my client was getting from not budgeting. Featuring insights from client experiences, I emphasize the significance of aligning your budget with personal values …
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[REPLAY] S4, Episode 26: Top 5 Podcasts of 2017- #2 The Top 5 Podcasts for Doctors in 2017
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This June we are focusing our attention on the Top 5 Podcasts that we had in 2017. They are a great mix of topics from real estate, taxes, and the ever-popular side hustle. In this podcast, Dave Denniston talks about the Top 5 Podcasts for Physicians. In this podcast you will: The first podcast learns about Nii Darko and how he has taken his tough …
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Ep 66 Why Budgeting Isn’t Enough And What You're Leaving Out
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In this episode, I discuss the common frustrations of budgeting and why so many individuals who are budgeting are not seeing success. While budgets are essential for outlining expenses and needs, they are not the action-oriented piece that drives financial progress. Listen to the episode to understand a budget’s purpose and what action pieces need …
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[REPLAY] S4, Episode 25: Top 5 Podcasts of 2017- #3 How To Acquire a Private Practice and Real Estate In One Easy Transaction (And The Pitfalls to Avoid)
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This June we are focusing our attention on the Top 5 Podcasts that we had in 2017. They are a great mix of topics from real estate, taxes, and the ever-popular side hustle. Here are the notes and resources from this episode: In these podcasts, we’ve interviewed experts of all kinds- debt, burnout, real estate, and taxes. I thought, hey it’s about t…
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Ep 65 Navigating Financial Education for Children with Elizabeth Rosenberg
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In this episode of the Wealthy After 40 podcast, I welcome Financial Coach, Elizabeth Rosenberg. Elizabeth is a former corporate finance professional and today she discusses her mission to empower parents to raise financially savvy children through her initiative 'Grow My Piggy'. She shares her experiences and offers practical advice on instilling …
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[REPLAY] S4, Episode 24: Top 5 Podcasts of 2017- #4 The Complete Guide to Taking The Road Less Traveled [Physician Fireside Chat] with Dr. Michelle Mudge-Riley of Physicians Helping Physicians
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This June we are focusing our attention on the Top 5 Podcasts that we had in 2017. They are a great mix of topics from real estate, taxes, and the ever-popular side hustle. Here are the notes and resources from this episode: Welcome back to our monthly fireside chat with a physician to get to know their journey, their joys, and their struggles with…
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Ep 64 Should You Automate Your Finances? Pros and Cons Explained
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In this episode, I explore the pros and cons of automating your finances. I cover key areas like savings, investments, and debt repayment. I also share how to set yourself up for success by having a solid plan before automating. 00:00 Introduction: Is Automation the Answer for Better Finances? 00:27 Personal Story: My Cash Envelope System 01:52 Cre…
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[REPLAY] S4, Episode 23: Top 5 Podcasts of 2017- #5 Building The Skills To Become A Doctorpreneur with Mike Woo-Ming MD, The BootstrapMD
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This June we are focusing our attention on the Top 5 Podcasts that we had in 2017. They are a great mix of topics from real estate, taxes, and the ever-popular side hustle. Here are the notes and resources from this episode: My friends, in this show, I try and dig deep to find interesting people. As a matter of fact, LinkedIn is a wonderful tool an…
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Ep 63 Why You Feel Broke and How to Manage Your Cash Flow Effectively
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If you constantly feel short on cash, tune in to this episode to uncover whether it's more a matter of perception than reality. I'll guide you through identifying if your financial stress is driven by feelings or facts and provide actionable steps to address either situation. 00:00 Introduction: Do You Truly Lack Money? 00:27 Client Stories: Percep…
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[REPLAY] S4 Episode 22-[Physician‘s Fireside Chat] with Tarang Patel from Doctor Money Matters Podcast
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Welcome back to our monthly fireside chat with a physician to get to know their journey, their joys, and their struggles with finances and outside of finances. Our special guest today is a fellow podcaster, a hospital-employed radiologist, and prior to that, he served as a physician in the U.S. Air Force. His podcast is Dr. Money Matters. In this p…
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Ep 62 Mastering the Financial Aspects of Divorce with Lisa Zeiderman
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In this episode of the Wealthy After 40 podcast, I interview Lisa Ziderman, a matrimonial attorney and certified divorce financial analyst based in New York. Lisa discusses the critical steps to prepare for a financially successful divorce, emphasizing the importance of gathering financial documentation, choosing the right attorney, and assembling …
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[REPLAY] S4 Episode 21-My Financial Experiment- Q1 2018 Update
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Welcome back to the Freedom Formula For Physician's Podcast. If you have been listening to me for the last year, or maybe you're brand new, what I'd like you to do is go back to the archives, and check out season 3, where I started going through this process of acquiring other assets, trying to create multiple income streams. So this is the Quarter…
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Ep 61 Strategies For Making Major Purchases
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In this episode, I share a personal financial journey on navigating the process of making a large purchase—in this case, buying a new home. Using that story as an example, I provide key advice including defining your purchase criteria, understanding your financial situation, avoiding desperation, and being aware of market conditions. 00:00 Introduc…
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[REPLAY] S4, Episode 20-It‘s time to say ”Enough is enough” to Student Debt with Nii Darko from Docs Outside The Box
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Welcome to another episode of Freedom Formula for Physician's Podcast. I'm excited to have a repeat guest, Nii Darko, from Doc's Outside The Box, on today's episode. He's sharing the excitement of paying off not only his student debt, but his wife's also. Combined they shared $662,000 of debt. He shares about how he and his wife early on were payin…
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Ep 60 5 Steps to Becoming Your Own Financial Advisor
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In this episode, I share advice and tips to becoming your own financial advisor. Key points include understanding your finances, setting clear financial goals, and managing debt. While financial advisors play a valuable role, individuals will understand their money best. Specific steps are shared, such as educating oneself on specific financial top…
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[REPLAY] S4, Episode 19-Creating a Passive Income=FREEDOM with Scott Bossman from Land Bosses
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Welcome, my friends to another episode of Freedom Formula for Physician's Podcast. I have been sharing my own financial experiments with you, and it's been great having guests on the podcast that I've met through those financial adventures. Today my guest is Scott Bossman, another land-flipping colleague of mine, who shares his own experience in wh…
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