PA the FI Way

Malpractice insurance is something most PAs and other clinicians assume they understand... until something goes wrong. In this episode, Kat sits down with Christopher Cannell, DMSc, MPAS, MPLC, PA-C, DFAAPA, founder of The APC Consultant, for a clear, practical deep dive into malpractice insurance 101 and the medical-legal realities no one teaches us in PA school or on the job. We break down what malpractice insurance actually covers, the key differences between claims-made and occurrence policies, and why employer-provided coverage may not protect you in the way you think it does. Chris explains common assumptions clinicians make about liability insurance, tail coverage, and personal policies, and where those assumptions can quietly put your license, career, and finances at risk. We also go beyond the policy itself to talk about real-world risk management and walk through an anonymized case study that highlights how communication, documentation, and post-event decisions can dramatically affect outcomes. We explore how legal uncertainty contributes to burnout, defensive medicine, and chronic stress, and why legal literacy is an essential (but overlooked) form of clinician self-care. Whether you’re early in your PA career or years into practice, this episode will help you feel more confident, informed, and proactive about protecting yourself in today’s increasingly complex healthcare environment.   Topics Covered:  Malpractice insurance explained for PAs and other medical providers  Claims-made vs. occurrence policies Tail coverage, nose coverage, and employer-provided malpractice insurance Common malpractice insurance myths and mistakes Risk management strategies that actually matter Medical-legal case studies and lessons learned How legal stress contributes to burnout    Resources Mentioned:  Check out The APC Consultant and join the waitlist for Chris's masterclass: theapcconsultant.com The Academy of Physician Associates in Legal Medicine (APALM): apalm.net    AAPA's Risk Management CME Course: cme.aapa.org/local/catalog/view/product.php?productid=902    Connect with Chris:  Email: chris@theapconsultant.com | info@theapcconsultant.com Website: theapcconsultant.com   Phone: 339-933-1952   LinkedIn: www.linkedin.com/in/christophercannell https://www.linkedin.com/company/the-apc-consultant Instagram:          @theapcconsultant Facebook: https://www.facebook.com/p/The-APC-Consultant-61553148984788/      If this episode was helpful, subscribe to the PA the FI Way podcast or YouTube channel for more content to help you build financial independence and prevent burnout along the way.    Are you just beginning your journey to financial independence and want to learn more? Download your free copy of the PA the FI Way Beginner’s Workbook here!   Website / Blog: pathefiway.com Follow PA the FI Way on Instagram: @pathefiway https://www.instagram.com/pathefiway/ Connect with Kat on LinkedIn: https://www.linkedin.com/in/katarina-kat-astrup-mspas-pa-c-175848255/ Watch on Youtube: https://www.youtube.com/@pathefiway  Join the private Facebook group created for current and future PAs on their journey to financial independence: https://www.facebook.com/groups/pathefiway Like the Facebook page to follow along for updates: https://www.facebook.com/pathefiway

  As healthcare providers, we’re constantly evaluated at work, but rarely taught how to step back and evaluate our own lives. In this episode, I walk you through your Wellness & Wealth Annual Review, which is a reflective, intentional process to help you take stock of your finances, energy, health, time, and overall alignment after another year. This is not about budgets, hustle, or setting rigid resolutions. It’s about awareness, compassion, and creating margin so burnout doesn’t quietly follow you into another year. To help you follow along (or do this review later), I’ve created a Wellness & Wealth Annual Review worksheet, a resource designed to make this process simple and actionable. I recommend setting aside 15 to 30 minutes with the worksheet, your favorite cozy beverage, and a quiet space. You don’t need perfection- just honesty and curiosity. 👉 Download your copy of the Wellness & Wealth Annual Review Workbook here and do this alongside the episode or at your own pace. This is an annual reset I wish I had learned earlier in my career, and I hope it helps you enter the next year with more clarity, calm, and intention.   Thanks to Caleb Pepperday, CFP, CHFC, founder of Advanced Practice Planning, LLC, for sponsoring this episode! If you're interested, visit www.advancedpracticeplanning.com/fi to grab your free consultation.   If this episode was helpful, subscribe to the PA the FI Way podcast or YouTube channel for more content to help you build financial independence and prevent burnout along the way.    Are you just beginning your journey to financial independence and want to learn more? Download your free copy of the PA the FI Way Beginner’s Workbook here!   Website / Blog: pathefiway.com Follow PA the FI Way on Instagram: @pathefiway https://www.instagram.com/pathefiway/ Connect with Kat on LinkedIn: https://www.linkedin.com/in/katarina-kat-astrup-mspas-pa-c-175848255/ Watch on Youtube: https://www.youtube.com/@pathefiway  Join the private Facebook group created for current and future PAs on their journey to financial independence: https://www.facebook.com/groups/pathefiway Like the Facebook page to follow along for updates: https://www.facebook.com/pathefiway

In this episode, I sit down with seasoned realtor and real estate investor Joel Anderson of Counselor Realty to break down everything busy healthcare providers need to know about buying, selling, renovating, and investing with confidence. We cover how to choose the right realtor for you, how to know if you’re ready to buy versus rent, and how much house you should actually purchase based on your financial and lifestyle goals. Joel shares common buyer and seller mistakes, the hidden fees and upfront costs that surprise people, and which cosmetic updates actually boost a home’s value. We also talk through smart selling strategies, whether staging is worth it, and how to price your home without leaving money on the table. To wrap up, Joel shares about his real estate investing journey and covers what may be realistic for clinicians navigating unpredictable schedules and long hours.  If you’re looking to buy or sell in the next year, or just want to make smarter housing decisions on your financial independence journey, this episode will give you the clarity and confidence you need.  Connect with Joel:  Joel Anderson 651-303-5050 (cell) andersonpo7@hotmail.com  www.counselorrealty.com             Are you just beginning your journey to financial independence and want to learn more? Download your free copy of the PA the FI Way Beginner’s Workbook here!   Website / Blog: pathefiway.com Follow PA the FI Way on Instagram: @pathefiway https://www.instagram.com/pathefiway/ Connect with Kat on LinkedIn: https://www.linkedin.com/in/katarina-kat-astrup-mspas-pa-c-175848255/ Watch on Youtube: https://www.youtube.com/@pathefiway  Join the private Facebook group created for current and future PAs on their journey to financial independence: https://www.facebook.com/groups/pathefiway Like the Facebook page to follow along for updates: https://www.facebook.com/pathefiway

In this episode, I break down one of the simplest but most transformative concepts in personal development: The Power of Yet. Inspired by Dr. Carol Dweck’s research on growth mindset, “yet” is the tiny word that shifts you from feeling stuck to seeing possibility. Whether you’re struggling with money, burnout, confidence, career direction, or new skills, adding “yet” rewires your brain to believe you’re capable of change- because you are. You’re not good at budgeting... yet. You don’t feel confident at work... yet. You’re not financially independent... yet. You don’t have work–life boundaries... yet. Not “no.” Not “never.” Just not yet. This episode gives practical examples, stories, and tools to help you adopt the “yet” mindset so you can grow in any area of your life. What is covered in this episode:  • What the “Power of Yet” actually means A simple mindset shift backed by decades of psychology and neuroscience. • A quick overview of Dr. Carol Dweck’s research How growth mindset vs. fixed mindset impacts confidence, learning, resilience, and even burnout.   • How “yet” reframes failure Turning mistakes into information, not identity. • Real-life examples of “yet” in action Money, relationships, boundaries, investing, career development, and personal habits. • Why 'yet' is crucial for financial independence If you don’t believe you can learn to budget, invest, or build wealth… you won’t. • The neuroscience behind “yet” Why this tiny word activates motivation pathways instead of threat pathways in the brain. • How the Power of Yet protects against burnout When you see yourself as someone who can grow, setbacks feel temporary- not personal. • Easy ways to integrate the “yet” mindset into daily life Microhabits, affirmations, self-reflection prompts, and language shifts. By the end of this episode, you will learn: How to spot fixed-mindset thoughts How to rewrite them using “yet” statements How to create microhabits that support growth How to build confidence through incremental wins How “yet” can change the trajectory of your financial life How to use this mindset shift to reduce burnout and self-doubt How to apply “yet” in relationships, career, money, and personal goals   Resources Mentioned:  Wealthfront HYSA referral link: https://www.wealthfront.com/c/affiliates/invited/AFFA-NGE2-ZDDZ-K8BK Dr. Carol Dweck’s TED Talk – “The Power of Yet”     If this episode was helpful, subscribe to the PA the FI Way podcast or YouTube channel for more content to help you build financial independence and prevent burnout along the way.    Thanks to Caleb Pepperday, CFP, CHFC, founder of Advanced Practice Planning, LLC, for sponsoring this episode! If you're interested, visit www.advancedpracticeplanning.com/fi to grab your free consultation.   Are you just beginning your journey to financial independence and want to learn more? Download your free copy of the PA the FI Way Beginner’s Workbook here!   Website / Blog: pathefiway.com Follow PA the FI Way on Instagram: @pathefiway https://www.instagram.com/pathefiway/ Connect with Kat on LinkedIn: https://www.linkedin.com/in/katarina-kat-astrup-mspas-pa-c-175848255/ Watch on Youtube: https://www.youtube.com/@pathefiway  Join the private Facebook group created for current and future PAs on their journey to financial independence: https://www.facebook.com/groups/pathefiway Like the Facebook page to follow along for updates: https://www.facebook.com/pathefiway

  In this episode, I’m sharing what I’ve been learning firsthand as I declutter and prepare for the upcoming sale of our house, and how this process has completely reshaped the way I think about freedom, finances, and fulfillment. I’ve realized how much the things we own can quietly drain our time, energy, and even money. I’ll cover some helpful decluttering principles that my husband and I have recently implemented as we gradually move toward a more minimalistic lifestyle, including the 20/20 rule, the 90/90 rule, and how to break free from the sunk cost fallacy, along with a few mindset shifts that have helped us let go with intention. You’ll learn why simplifying your space is so powerful for both your peace and your financial independence journey. If you’ve been feeling weighed down by too much “stuff” or craving a simpler, lighter life, this episode will inspire you to start creating more room for what truly matters. If this episode was helpful, be sure to subscribe to the PA the FI Way podcast or YouTube channel for more content to help you build financial independence and prevent burnout along the way.    Thanks to Caleb Pepperday, CFP, CHFC, founder of Advanced Practice Planning, LLC, for sponsoring this episode! If you're interested, visit www.advancedpracticeplanning.com/fi to grab your free consultation.   Are you just beginning your journey to financial independence and want to learn more? Download your free copy of the PA the FI Way Beginner’s Workbook here!   Website / Blog: pathefiway.com   Follow PA the FI Way on Instagram: @pathefiway https://www.instagram.com/pathefiway/   Connect with Kat on LinkedIn: https://www.linkedin.com/in/katarina-kat-astrup-mspas-pa-c-175848255/   Join the private Facebook group created for current and future PAs on their journey to financial independence: https://www.facebook.com/groups/pathefiway   Like the Facebook page to follow along for updates: https://www.facebook.com/pathefiway

You work way too hard for your money to waste it. Between charting after hours, missing family dinners, and grinding through long shifts, every dollar you earn should be buying back your freedom, not fueling burnout. In this episode of PA the FI Way, Kat breaks down the Top 10 Things NOT to Spend Your Money On as a Healthcare Provider, the sneaky traps that drain your wallet, energy, and joy while pretending to make life easier or more rewarding. From MLM “opportunities” that prey on overworked professionals, to timeshares that promise lifelong vacations but deliver endless fees, to whole life insurance schemes and overpriced “health” fads, let's expose the money pits that keep you stuck in the burnout cycle. Kat shares real stats, relatable stories, and actionable alternatives so you can start spending in ways that buy you peace, time, and flexibility instead of financial stress. You’ll also hear about status spending, McMansions, luxury cars, convenience overload, unused subscriptions, and other “quiet leaks” that can easily add up to thousands per year. This episode isn’t about guilt; it’s about awareness. When you start aligning your spending with what truly matters, you reclaim control over your finances and your freedom. Tune in, take notes, and pick one small money detox to start this week. If this episode hits home, make sure to subscribe to the PA the FI Way podcast YouTube channel for more content that helps you build financial independence and a burnout-proof life.   Thanks to Caleb Pepperday, CFP, CHFC, founder of Advanced Practice Planning, LLC, for sponsoring this episode! If you're interested, visit www.advancedpracticeplanning.com/fi to grab your free consultation.   Are you just beginning your journey to financial independence and want to learn more? Download your free copy of the PA the FI Way Beginner’s Workbook here!   Website / Blog: pathefiway.com   Follow PA the FI Way on Instagram: @pathefiway https://www.instagram.com/pathefiway/   Connect with Kat on LinkedIn: https://www.linkedin.com/in/katarina-kat-astrup-mspas-pa-c-175848255/   Join the private Facebook group created for current and future PAs on their journey to financial independence: https://www.facebook.com/groups/pathefiway   Like the Facebook page to follow along for updates: https://www.facebook.com/pathefiway

We often talk about money as currency, but what about energy? Every meeting, obligation, and habit in your day is either giving you energy or draining it. If you have ever ended the day feeling depleted, even when your calendar did not look that full, you have probably been spending your energy without realizing it. In this episode, we walk through how to perform your own energy audit so you can gain clarity on what truly fuels you and what quietly drains you. We will cover the emotional energy zones, from times when you are thriving to times when you feel stressed, recovering, or running on empty, and how to recognize the difference. You will also learn how to spot your personal energy givers and energy takers, along with practical ways to shift your schedule, boundaries, and mindset so that your days leave you more filled than emptied. Think of this as financial planning, but for your energy, the resource that powers every part of your life. Be sure to download your free copy of the Energy Audit Workbook so you can put these ideas into practice right away and start investing your energy in what matters most. What You’ll Learn in This Episode: How to identify the four emotional energy zones and what they mean for your well-being Common examples of energy givers and energy takers in daily life Practical steps to spend your energy more intentionally How to use an energy audit to reduce burnout and increase fulfillment Grab your free copy of the Energy Audit Workbook: https://www.pathefiway.com/energy    Thanks to Caleb Pepperday, CFP, CHFC, founder of Advanced Practice Planning, LLC, for sponsoring this episode! If you're interested, visit www.advancedpracticeplanning.com/fi to grab your free consultation.   Are you just beginning your journey to financial independence and want to learn more? Download your free copy of the PA the FI Way Beginner’s Workbook here!   Website / Blog: pathefiway.com   Follow PA the FI Way on Instagram: @pathefiway https://www.instagram.com/pathefiway/   Connect with Kat on LinkedIn: https://www.linkedin.com/in/katarina-kat-astrup-mspas-pa-c-175848255/   Join the private Facebook group created for current and future PAs on their journey to financial independence: https://www.facebook.com/groups/pathefiway   Like the Facebook page to follow along for updates: https://www.facebook.com/pathefiway

On today’s episode, Kat sits down with Mercedes and Jessica, psychiatry PAs and hosts of PA Mindset Matters podcast, to talk about holistic wellness and burnout healing for PAs and medical providers. From lifestyle habits to mindset shifts to money stress, this conversation is full of practical tools providers can start using right away to feel more balanced and resilient.   Connect with Mercedes and Jessica with PA Mindset Matters:    Website: www.pamindset.com  Listen to PA Mindset Matters podcast on Spotify: open.spotify.com/show/5jaHvj5JGxQ81v7oy6okX7  YouTube: youtube.com/@pa_mindsetmatters   Instagram: instagram.com/pa_mindsetmatters   LinkedIn: linkedin.com/company/pa-mindset   Contact: info@pamindset.com     Connect with Kat:  Are you just beginning your journey to financial independence and want to learn more? Download your free copy of the PA the FI Way Beginner’s Workbook here! Website: pathefiway.com Instagram: @pathefiway https://www.instagram.com/pathefiway/ LinkedIn: https://www.linkedin.com/in/katarina-kat-astrup-mspas-pa-c-175848255/  YouTube: @pathefiway www.youtube.com/@pathefiway  Join the private Facebook group created for current and future PAs on their journey to financial independence: https://www.facebook.com/groups/pathefiway Like the Facebook page to follow along for updates: https://www.facebook.com/pathefiway Questions or thoughts about the show? Email pathefiway@gmail.com  

Burnout is all too common in healthcare, but what if the solution isn’t pushing through... it’s pressing pause? In this episode, we sit down with Leigha Barbieri, PA-C, to talk about the transformative power of taking a sabbatical. Leigha shares her own story of moving from exhaustion to renewal, including how prioritizing her mental health, traveling around the world, and resting intentionally helped her reconnect with her purpose. She opens up about the challenges of stepping away from her PA role, the financial strategies that made it possible, and the surprising benefits of house and pet sitting along the way. Leigha also introduces her course, Pause to Heal, created to help healthcare professionals reimagine their careers, take control of their well-being, and return to medicine on their own terms.   Connect with Leigha:  YouTube: @seeyaleigha  https://www.youtube.com/@seeyaleigha Instagram: @helloimthepa https://www.instagram.com/helloimthepa/ TikTok: @helloimthepa https://www.tiktok.com/@helloimthepa LinkedIn: https://www.linkedin.com/in/leigha-barbieri-515751230/ Website + Course: offdutyonpurpose.com   Connect with Kat:  Are you just beginning your journey to financial independence and want to learn more? Download your free copy of the PA the FI Way Beginner’s Workbook here!   Website: pathefiway.com Instagram: @pathefiway https://www.instagram.com/pathefiway/ LinkedIn: https://www.linkedin.com/in/katarina-kat-astrup-mspas-pa-c-175848255/  YouTube: @pathefiway www.youtube.com/@pathefiway  Join the private Facebook group created for current and future PAs on their journey to financial independence: https://www.facebook.com/groups/pathefiway Like the Facebook page to follow along for updates: https://www.facebook.com/pathefiway Questions or thoughts about the show? Email pathefiway@gmail.com  

In this episode, I sit down with Caleb Pepperday, CFP®, ChFC®, fee-only fiduciary financial planner and founder of Advanced Practice Planning, to discuss financial planning for physician associates and other healthcare professionals. Caleb shares what drew him to work with PAs and other APPs, and how his dual designations as a Certified Financial Planner and Chartered Financial Consultant give him a unique perspective when guiding clients toward financial independence. He also breaks down the confusing landscape of financial credentials and explains why not all financial advisors are created equal. Caleb helps demystify what PAs should look for in a trustworthy planner. He explains what it really means to be a fiduciary, the red flags to watch for in the industry, and the key questions to ask when interviewing a potential advisor. Caleb also walks us through the different ways financial professionals get paid (commission-based, assets under management / AUM, and flat-fee models) and highlights the pros and cons of each. For those wondering when it makes sense to manage your own money versus bringing in professional help, Caleb provides a balanced perspective tailored to busy healthcare professionals who want to build wealth without burning themselves out along the way.  Finally, we dive into a case study featuring a mid-career PA and NP couple with a strong income and growing portfolio, but with gaps in areas like tax diversification, estate planning, college funding, and insurance. Caleb outlines practical next steps to help them stay on track toward their goal of retiring at 55 while protecting their family along the way.   Disclosures: Information presented in this podcast is believed to be factual and up-to-date, but no guarantee is made to its accuracy and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice, but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the subjects presented.  Advisory services offered through Advanced Practice Planning, LLC an investment adviser registered with the states of Montana and Pennsylvania. For disclosure information please visit: https://adviserinfo.sec.gov/ Tax and Legal Matters The tax and estate planning information offered by the advisor is general in nature. It is provided for informational purposes only and should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. General Market Commentary Statements The opinions expressed in any commentary discussed on this episode are solely those of the individual author and do not necessarily reflect the views or opinions of Advanced Practice Planning, LLC. These opinions are based on information available at the time of posting and are subject to change without notice. Advanced Practice Planning, LLC does not commit to updating any posted positions or commentary to reflect subsequent developments. While the information and reasoning used to form these opinions are believed to be from reliable sources, Advanced Practice Planning, LLC does not verify this information, and no guarantee is provided regarding its accuracy, completeness, or validity. Advanced Practice Planning, LLC disclaims any and all liability for actions taken or not taken based on the content of this site. No warranty, express or implied, is given in connection with the content provided.   Learn More or Connect with Caleb:    Links: Website link: https://www.advancedpracticeplanning.com/ Consultation link: https://calendly.com/caleb-pepperday/30min   Freebies: 12 Smart Steps Every PA Wanting to Retire Early Should Know: https://www.advancedpracticeplanning.com/earlyretirement 18 Things You Can Do Today To Level Up Your Finances: https://www.advancedpracticeplanning.com/tipsforphysicianassistants 8 Things PAs Need To Know Before Taking A Sabbatical: https://www.advancedpracticeplanning.com/sabbatical   Social Media: LinkedIn: https://www.linkedin.com/in/caleb-pepperday/ Instagram: https://www.instagram.com/calebpepperday_cfp/     Connect with Kat, PA-C, with PA the FI Way:  Are you just beginning your journey to financial independence and want to learn more? Download your free copy of the PA the FI Way Beginner’s Workbook here!   Website / Blog: pathefiway.com   Follow PA the FI Way on Instagram: @pathefiway https://www.instagram.com/pathefiway/   Connect with Kat on LinkedIn: https://www.linkedin.com/in/katarina-kat-astrup-mspas-pa-c-175848255/   Join the private Facebook group created for current and future PAs on their journey to financial independence: https://www.facebook.com/groups/pathefiway   Like the Facebook page to follow along for updates: https://www.facebook.com/pathefiway   Questions or thoughts about the show? Email pathefiway@gmail.com      

Whether you’re a brand-new grad just stepping into the world of medicine, a mid-career clinician who still loves the work but feels the wear and tear, or someone laser-focused on retiring early to reclaim your time—this episode is for you. No matter your path, one thing is true: medicine is demanding. And if you want to make it sustainable—whether for 5 more years or 45 more years—you need a strategy to protect your energy, your well-being, and your freedom. Today, we’re diving into 20 practical ways to extend your career longevity using a simple but powerful framework: Refuel, Redesign, and Reclaim. These aren't just burnout band-aids. They're long-term strategies that can help you thrive in medicine while building a life outside of it. So whether you’re here to stay for the long haul, pivot within the profession, or build your exit ramp—this episode will help you stay grounded, intentional, and in control.   Grab your free copy of the 20 Tips for a Sustainable Career in Medicine Worksheet here   Are you just beginning your journey to financial independence and want to learn more? Download your free copy of the PA the FI Way Beginner’s Workbook here!   Website / Blog: pathefiway.com   Follow PA the FI Way on Instagram: @pathefiway https://www.instagram.com/pathefiway/   Connect with Kat on LinkedIn: https://www.linkedin.com/in/katarina-kat-astrup-mspas-pa-c-175848255/   Join the private Facebook group created for current and future PAs on their journey to financial independence: https://www.facebook.com/groups/pathefiway   Like the Facebook page to follow along for updates: https://www.facebook.com/pathefiway   Questions or thoughts about the show? Email pathefiway@gmail.com    

What if the most important steps on your financial journey aren’t the big flashy ones—but the small, quiet wins you hardly notice? In this episode, we’re shining a light on the under-celebrated financial milestones that deserve just as much recognition as paying off your student loan debt or hitting six figures in your retirement account. From paying off your first credit card to setting up automatic savings, these small victories build confidence, create momentum, and transform your mindset over time. We’ll walk through dozens of often-overlooked wins across spending, debt, saving, investing, mindset, and life alignment—and why they matter way more than you think. You'll also get tips on how to track and celebrate these wins in a way that reinforces your progress and prevents burnout along the path to financial independence. Whether you’re just getting started or deep into your journey, this episode is your reminder that progress beats perfection—and small wins lead to big freedom. Grab your free Small Wins Financial Milestone Tracker to start celebrating your own journey!    Click Here for Financial Independence Book Recommendations   Are you just beginning your journey to financial independence and want to learn more? Download your free copy of the PA the FI Way Beginner’s Workbook here!   Website / Blog: pathefiway.com   Follow PA the FI Way on Instagram: @pathefiway https://www.instagram.com/pathefiway/   Connect with Kat on LinkedIn: https://www.linkedin.com/in/katarina-kat-astrup-mspas-pa-c-175848255/   Join the private Facebook group created for current and future PAs on their journey to financial independence: https://www.facebook.com/groups/pathefiway   Like the Facebook page to follow along for updates: https://www.facebook.com/pathefiway   Questions or thoughts about the show? Email pathefiway@gmail.com    

Why work for 40 years and only retire once? What if you could step away more than once—not to quit, but to live more fully and intentionally? In this episode, author and host of Retire Often podcast, Jillian Johnsrud, joins me to share insights from her new book, Retire Often, which is now available for pre-order. She introduces the powerful concept of mini retirements—intentional pauses from work that can lead to deep burnout recovery, personal growth, and a more fulfilling, values-aligned life. What if you could take time off for family, health, travel, creativity, or simply to rest—without derailing your finances or career? Jillian has done just that, taking multiple mini retirements that not only helped her find balance and purpose, but also enhanced her career in the long run. Now, she’s helping others do the same through practical steps anyone can follow. We explore how mini retirements aren’t about escape—they're a tool for healing, clarity, and even career development. Jillian shares how these breaks helped her recover from burnout, rebuild her health, and live more intentionally. She emphasizes the importance of planning and practicing mini retirements to prepare for a fulfilling early retirement—and how our health, finances, and overall well-being are more connected than we think. Whether you're feeling exhausted, curious about early retirement, or simply craving more freedom and balance—this conversation will inspire you to rethink what’s possible for your life and career.   Key Takeaways:  Mini retirements can serve multiple purposes: rest, growth, healing, or transition. Burnout recovery requires more than a weekend off—intentional rest matters. Planning and practicing mini retirements prepares you for early or semi-retirement. Life experiences often have expiration dates; act now.  Health, money, and well-being are deeply connected. You don’t have to wait for someday—practice living the life you want now. Community support can ease the transition into mini retirements.    Learn more about Retire Often and connect with Jillian:  ● Website: https://retireoften.com/ ● Retire Often Book: https://retireoften.com/book/ ● Book Purchasing Link: https://lnk.to/retireoften ● Free Opt-In Worksheets:○ Planning: https://retireoften.com/mini/ ○ Negotiating: https://retireoften.com/onemonth/ ● Workbook: https://retireoften.com/workbook/ ● Group Coaching: https://retireoften.com/group-coaching/ Social Media:○ Instagram: https://www.instagram.com/jillianjohnsrud/ ○ Twitter: https://twitter.com/JillianJohnsrud/ ○ LinkedIn: https://www.linkedin.com/in/jillian-johnsrud/ ○ Youtube: https://www.youtube.com/@JillianJohnsrud    Keywords:  Retire Often, mini retirement, burnout recovery, sabbaticals, financial independence, early retirement, personal growth, well-being, career clarity, intentional living, physician associate, healthcare burnout, burnout in medicine, physician assistant, healthcare professional, healthcare provider, burnout recovery, financial independence community, financial independence retire early      Are you just beginning your journey to financial independence and want to learn more? Download your free copy of the PA the FI Way Beginner’s Workbook here!   Website / Blog: pathefiway.com   Follow PA the FI Way on Instagram: @pathefiway https://www.instagram.com/pathefiway/   Connect with Kat on LinkedIn: https://www.linkedin.com/in/katarina-kat-astrup-mspas-pa-c-175848255/   Join the private Facebook group created for current and future PAs on their journey to financial independence: https://www.facebook.com/groups/pathefiway   Like the Facebook page to follow along for updates: https://www.facebook.com/pathefiway   Questions or thoughts about the show? Email pathefiway@gmail.com    

Wanting to make changes, but feeling too overwhelmed and exhausted to start? You’re not alone—and you don’t need a complete life overhaul to start feeling better. In this episode, I'm diving into the science and simplicity of microhabits: tiny, 2-minute actions that help you regain control of your time, energy, and mental clarity—without adding to your to-do list. Drawing from insights in Atomic Habits and lived experience on the frontlines of healthcare, I’ll walk you through how low willpower and motivation are normal—and how designing your day with smart cues and habit-stacking can help you build rhythms that stick. You’ll learn practical, real-life examples of microhabits for different areas of your well-being such as physical, mental, financial, social, spiritual, and professional. Be sure to grab your free Microhabits for Healthcare Professionals Cheat Sheet to start putting these ideas into practice today! It’s packed with examples for each health domain and quick tips to get you started today.    Resources mentioned:  Microhabits for Healthcare Professionals Cheat Sheet Atomic Habits   Are you just beginning your journey to financial independence and want to learn more? Download your free copy of the PA the FI Way Beginner’s Workbook here!   Website / Blog: pathefiway.com   Follow along on Instagram: @pathefiway https://www.instagram.com/pathefiway/   Connect on LinkedIn: https://www.linkedin.com/in/katarina-kat-astrup-mspas-pa-c-175848255/   Join the private Facebook group created for current and future PAs on their journey to financial independence: https://www.facebook.com/groups/pathefiway   Like the Facebook page to follow along for updates: https://www.facebook.com/pathefiway   Questions or thoughts about the show? Email pathefiway@gmail.com   Enjoy the show? You can now support the PA the FI Way podcast through Buy Me a Coffee! Thank you for all of your support! https://www.buymeacoffee.com/pathefiway   Keywords: microhabits, atomic habits, physician assistant finances, physician associate finances, physician assistant financial independence, physician associate financial independence, physician associate burnout, physician assistant burnout, burnout in medicine, healthcare burnout, clinician burnout, self-care in medicine  

In this episode, the concept of rhythmic renewal is explored, which is the practice of building intentional, restorative pauses into your day to protect your energy and prevent burnout. You’ll learn how to implement a timing model that works well for your schedule, create your own personalized renewal menu, and discover simple ways to reset—even in the busiest clinical or hospital settings. These small, consistent rhythms of self-care can help you renew your energy, show up with greater presence, and help with burnout.   Are you just beginning your journey to financial independence and want to learn more? Download your free copy of the PA the FI Way Beginner’s Workbook here!   Website / Blog: pathefiway.com   Follow along on Instagram: @pathefiway https://www.instagram.com/pathefiway/   Connect on LinkedIn: https://www.linkedin.com/in/katarina-kat-astrup-mspas-pa-c-175848255/   Join the private Facebook group created for current and future PAs on their journey to financial independence: https://www.facebook.com/groups/pathefiway   Like the Facebook page to follow along for updates: https://www.facebook.com/pathefiway   Questions or thoughts about the show? Email pathefiway@gmail.com   Enjoy the show? You can now support the PA the FI Way podcast through Buy Me a Coffee! Thank you for all of your support! https://www.buymeacoffee.com/pathefiway    Keywords: physician associate burnout, physician assistant burnout, burnout in medicine, healthcare burnout, physician burnout, nurse burnout, clinician burnout, self-care in medicine   

Feeling stretched too thin? Saying “yes” when you want to say “no” is one of the fastest tracks to burnout—especially in healthcare. In this episode, I dive into The Yes Trap and unpack why learning to say “no” isn’t just a nice-to-have, it’s a power skill that protects your time, energy, and sanity. You’ll also learn 11 practical types of “no" that you can start implementing today, real-world boundary-setting scripts, and how to push back gracefully without guilt. Be sure to grab the free companion cheat sheet: How to Say No Gracefully (Without Guilt): Scripts + Boundaries for Burnout Prevention — packed with scripts, examples, and boundary-setting tips specifically for clinicians.  This is a can't miss episode for all healthcare professionals! Don't forget to share with all your colleagues that could benefit: physician assistants / physician associates, nurse practitioners, nurse anesthetists, physicians, psychologists, therapists, physical therapists, occupational therapists, pharmacists, optometrists, speech language pathologists, dietitians, respiratory therapists, audiologists, etc.!   Are you just beginning your journey to financial independence and want to learn more? Download your free copy of the PA the FI Way Beginner’s Workbook here!   Website / Blog: pathefiway.com   Follow along on Instagram: @pathefiway https://www.instagram.com/pathefiway/   Connect on LinkedIn: https://www.linkedin.com/in/katarina-kat-astrup-mspas-pa-c-175848255/   Join the private Facebook group created for current and future PAs on their journey to financial independence: https://www.facebook.com/groups/pathefiway   Like the Facebook page to follow along for updates: https://www.facebook.com/pathefiway   Questions or thoughts about the show? Email pathefiway@gmail.com   Enjoy the show? You can now support the PA the FI Way podcast through Buy Me a Coffee! Thank you for all of your support! https://www.buymeacoffee.com/pathefiway  

Love to travel but hate overspending? In this episode, I'm diving into practical, low-effort ways to stretch your travel budget without sacrificing fun or comfort. Whether you're planning a weekend road trip, a CME conference, or an international adventure, these tips will help you save on flights, lodging, food, and activities—so you can travel on budget while reaching your financial goals.  I'll cover smart booking strategies and money-saving hacks for accommodations and meals. You’ll also learn how travel hacking works and why using the right credit card can unlock serious perks. (Check out my favorite travel hacking card, the Chase Sapphire Preferred, to get it's highest offer of 100,000 points now!)  Want a printable version of everything covered? Download your free copy of The Ultimate Guide to Saving Money on Travel with 30+ tips to help you plan smarter and spend less on your next trip.   Resources mentioned:  Chase Sapphire Preferred credit card  The Ultimate Guide to Saving Money on Travel      Are you just beginning your journey to financial independence and want to learn more? Download your free copy of the PA the FI Way Beginner’s Workbook here!   Website / Blog: pathefiway.com   Follow along on Instagram: @pathefiway https://www.instagram.com/pathefiway/   Connect on LinkedIn: https://www.linkedin.com/in/katarina-kat-astrup-mspas-pa-c-175848255/   Join the private Facebook group created for current and future PAs on their journey to financial independence: https://www.facebook.com/groups/pathefiway   Like the Facebook page to follow along for updates: https://www.facebook.com/pathefiway   Questions or thoughts about the show? Email pathefiway@gmail.com   Enjoy the show? You can now support the PA the FI Way podcast through Buy Me a Coffee! Thank you for all of your support! https://www.buymeacoffee.com/pathefiway  

If you’ve ever questioned whether you really belong in medicine — even with the credentials, experience, and evidence to prove it — this episode is for you. Imposter syndrome shows up quietly but powerfully in medicine, often pushing high-achieving providers to overwork, downplay their success, and silently burn out. Today, we're unpacking what imposter syndrome really is, how it shows up throughout your career, and the five types that Dr. Valerie Young identified (yes, you'll probably see yourself in more than one).   We’ll also explore how imposter syndrome affects your financial wellness — from undercharging and overworking to avoiding financial decisions altogether. Because feeling like a fraud doesn’t just drain your energy — it can impact your income, your burnout level, and your future freedom.   Grab your free Guide to Fight Imposter Syndrome in Medicine to reflect on your own experiences and take practical steps to start believing in your worth again. You are not an imposter — you're a human being in a high-stakes job doing amazing, life-changing work. Let's talk about it.   Are you just beginning your journey to financial independence and want to learn more? Download your free copy of the PA the FI Way Beginner’s Workbook here!   Website / Blog: pathefiway.com     Follow along on Instagram: @pathefiway https://www.instagram.com/pathefiway/   Connect on LinkedIn: https://www.linkedin.com/in/katarina-kat-astrup-mspas-pa-c-175848255/   Join the private Facebook group created for current and future PAs on their journey to financial independence: https://www.facebook.com/groups/pathefiway   Like the Facebook page to follow along for updates: https://www.facebook.com/pathefiway   Questions or thoughts about the show? Email pathefiway@gmail.com   Enjoy the show? You can now support the PA the FI Way podcast through Buy Me a Coffee! Thank you for all of your support! https://www.buymeacoffee.com/pathefiway  

Spring cleaning isn’t just for your home—your finances need a refresh too! If you’re tired of cluttered accounts, surprise tax bills, or money slipping through the cracks, this episode is the reset button you need. We’re walking you through 10 simple (and actually doable) steps to get your financial life in order. From canceling useless subscriptions and automating your savings to organizing your accounts, we’re covering all the ways to tidy up your money and make it work smarter for you. Think of it like giving your finances a deep clean—except instead of scrubbing floors, you’re finding hidden cash, cutting down stress, and setting yourself up for long-term success. Plus, we’ll talk about why health is wealth and how prioritizing your well-being is just as important as managing your budget. So grab a coffee (or a calculator), and let’s get your financial house in order!   Download your free Financial Spring Cleaning Checklist now!    Are you just beginning your journey to financial independence and want to learn more? Download your free copy of the PA the FI Way Beginner’s Workbook here!   Website / Blog: pathefiway.com     Follow along on Instagram: @pathefiway https://www.instagram.com/pathefiway/   Connect on LinkedIn: https://www.linkedin.com/in/katarina-kat-astrup-mspas-pa-c-175848255/   Join the private Facebook group created for current and future PAs on their journey to financial independence: https://www.facebook.com/groups/pathefiway   Like the Facebook page to follow along for updates: https://www.facebook.com/pathefiway   Questions or thoughts about the show? Email pathefiway@gmail.com   Enjoy the show? You can now support the PA the FI Way podcast through Buy Me a Coffee! Thank you for all of your support! https://www.buymeacoffee.com/pathefiway   Keywords: physician associate , physician assistant , physician assistant financial independence , physician associate financial independence , physician assistant finances , physician associate finances , physician assistant finance , physician associate finance , physician assistant money , physician associate money , physician assistant school , physician associate school , PA school , PA-S , PA-C , pre-PA , physician assistant student , physician associate student 

Frugality is a powerful tool for paying off debt, allowing you to cut unnecessary expenses, focus on essentials, develop discipline, and accelerate financial freedom. However, staying frugal for too long can lead to a scarcity mindset, making it hard to enjoy your money even after paying off your debt and achieving stability. While being frugal for a season helps you break free from debt, true financial freedom comes from learning to spend intentionally on what truly matters in your life! The downside of extreme frugality is that it can create fear of spending and prevent you from investing in your well-being, relationships, and experiences. Money is not just for saving and hoarding—it’s a tool for creating a meaningful life. Transitioning from frugality to abundance means reframing spending as an investment in your happiness and values, rather than a loss. Take a listen to learn how to develop the skill of spending in your life. Learn to spend intentionally by identifying what brings you joy, and creating an intentional spending plan that balances needs, wealth-building, experiences, and giving. Learn how to practice conscious spending and how to overcome guilt around spending. The goal is to move beyond restriction and build a life of financial security, freedom, and fulfillment on your way to financial independence!  Download your free Step-By-Step Guide to Develop the Skill of Spending today! You'll also receive access to journal prompts that will help you reflect on your mindset and beliefs during your journey to financial independence.      Are you just beginning your journey to financial independence and want to learn more? Download your free copy of the PA the FI Way Beginner’s Workbook here!   Website / Blog: pathefiway.com     Follow along on Instagram: @pathefiway https://www.instagram.com/pathefiway/   Connect on LinkedIn: https://www.linkedin.com/in/katarina-kat-astrup-mspas-pa-c-175848255/   Join the private Facebook group created for current and future PAs on their journey to financial independence: https://www.facebook.com/groups/pathefiway   Like the Facebook page to follow along for updates: https://www.facebook.com/pathefiway   Questions or thoughts about the show? Email pathefiway@gmail.com   Enjoy the show? You can now support the PA the FI Way podcast through Buy Me a Coffee! Thank you for all of your support! https://www.buymeacoffee.com/pathefiway   Keywords: physician associate , physician assistant , physician assistant financial independence , physician associate financial independence , physician assistant finances , physician associate finances , physician assistant finance , physician associate finance , physician assistant money , physician associate money , physician assistant school , physician associate school , PA school , PA-S , PA-C , pre-PA , physician assistant student , physician associate student , money mindset , psychology of money