A Life Well Lived: A Physicians Guide to Wealth

Every week, dual-physician couples lose something far more valuable than money or opportunity: time. Not in dramatic moments—but through late nights charting, rushed mornings, postponed conversations, skipped workouts, and weekends spent recovering instead of living.In this first episode of the Power Couple Rx series—rolling out throughout 2026—James Nutter introduces six powerful, practical prescriptions designed to help dual-physician couples buy back time without doing more.Drawing from personal experience, coaching physician households, and insights from high-performance systems, James explains why burnout isn’t the real issue—drift is. Drift away from health. Drift away from connection. Drift away from the life your income was supposed to create.You’ll learn why most physician couples don’t have a time-management problem—but a life-design problem—and how intentional structure, clear roles, fewer decisions, and smarter use of money can dramatically reduce friction at home.This episode covers everything from defining household leadership roles and eliminating decision fatigue, to buying back time with delegation, running a weekly couple huddle, reverse-engineering your year, and surrounding yourselves with the right support.This isn’t about hustle.It’s about durability.And building a life that works with your careers—not one that quietly collapses underneath them.What You’ll LearnWhy dual-physician burnout is usually drift—not exhaustionHow unclear roles silently destroy time and energyWhy equality doesn’t mean shared responsibility for every decisionHow to eliminate decision fatigue at homeThe true cost of doing everything yourselfHow to use money intentionally to buy back timeWhy weekly couple “huddles” prevent resentmentHow to design your year backwards for more life, not more workWhy elite performers never try to do it aloneFinal TakeawayYou don’t need to add more to your plate.You need to decide what finally comes off.Time is the most valuable asset you have as a couple.Protect it. Design it. Invest it—together.About the Series: Power Couple RxPower Couple Rx is a 2026 segment focused on helping dual-physician couples stop drifting, reclaim their time, and intentionally build lives that support both career success and personal fulfillment.Additional Resources Download the PSLF Hacks ChecklistBook a free financial wellness session with JamesGet access to exclusive physician financial tools at www.imwealth.com1% of IM Wealth’s revenue is dedicated to providing scholarship funds to medical students. Learn more about the Meaningful Journeys Scholarship and how you can join the fight here.Learn more about the impact IM Wealth is making in the lives of physicians here.Gain FREE immediate access to all of IM Wealth’s exclusive physician financial wellness resources here.About the Show:This isn’t just another finance podcast—it’s a movement. We’re challenging the status quo, cutting through the noise, and giving physicians real strategies to take control of their money and their future. Because true wealth isn’t just about numbers—it’s about freedom.Find and follow the show on YouTube. About James Nutter:James Nutter is on a mission to help physicians reclaim their financial power. With a deep understanding of the unique challenges doctors face, he provides real-world strategies that cut through the noise and lead to lasting financial freedom.Follow James on Instagram. DisclaimerThe opinions expressed in this podcast are for informational and educational purposes only and do not constitute financial, legal, or tax advice. Any financial decisions should be made in the context of your unique circumstances and in partnership with a trusted financial advisor who understands your personal plan. A Physician’s Guide to Wealth Podcast — Brought to you by IM Wealth: Helping physicians take control of their money so they can live a purposeful life.For more resources, visit IMWealth.com.Advisory services offered through Commonwealth Financial Network®, a Registered Investment Adviser.

As the new year approaches, most people start thinking about goals. New routines. New plans. A fresh burst of motivation that—statistically—won’t last past February.Pauly Domenech doesn’t live that way.In this episode of Life Well Lived, James Nutter welcomes Pauly for a raw, energizing conversation about why standards—not goals—are what actually change lives. Pauly’s life story is anything but polished: growing up feeling like an outsider, facing real consequences, rebuilding through discipline, combat sports, faith, and relentless consistency. What emerged wasn’t perfection—but resilience.Pauly explains why goals fail when they’re not rooted in identity, why discipline eventually becomes automatic when standards are aligned with who you want to become, and how pressure doesn’t break you—it reveals you. From jiu-jitsu mats to Ironman training to leadership in business and family life, Pauly shares what it means to live by non-negotiable principles rather than fleeting motivation.The conversation moves beyond productivity and into something deeper: servant leadership, faith, responsibility, and the idea that if you can do something—you must. Whether it’s your health, your relationships, your work, or your calling, this episode challenges listeners to stop drifting, stop negotiating with their comfort, and start showing up fully.This isn’t about doing more.It’s about becoming more—on purpose.What You’ll LearnWhy goals fail when they aren’t tied to identityThe difference between motivation and standardsHow discipline turns into freedom over timeWhy pressure doesn’t build character—it exposes itThe role faith plays in resilience and leadershipWhat “If you can, you must” really meansHow to create non-negotiable daily habits that compoundWhy servant leadership leads to lasting fulfillmentHow to stop letting feelings derail your potentialWhy the hardest seasons often become the greatest setupsFinal TakeawayA strong life isn’t built in moments of motivation—it’s built through standards you refuse to negotiate.If you want a life that doesn’t break under pressure, you have to become the kind of person who shows up even when it’s uncomfortable—especially then.Additional Resources Download the PSLF Hacks ChecklistBook a free financial wellness session with JamesGet access to exclusive physician financial tools at www.imwealth.com1% of IM Wealth’s revenue is dedicated to providing scholarship funds to medical students. Learn more about the Meaningful Journeys Scholarship and how you can join the fight here.Learn more about the impact IM Wealth is making in the lives of physicians here.Gain FREE immediate access to all of IM Wealth’s exclusive physician financial wellness resources here.About the Show:This isn’t just another finance podcast—it’s a movement. We’re challenging the status quo, cutting through the noise, and giving physicians real strategies to take control of their money and their future. Because true wealth isn’t just about numbers—it’s about freedom.Find and follow the show on YouTube. About James Nutter:James Nutter is on a mission to help physicians reclaim their financial power. With a deep understanding of the unique challenges doctors face, he provides real-world strategies that cut through the noise and lead to lasting financial freedom.Follow James on Instagram. DisclaimerThe opinions expressed in this podcast are for informational and educational purposes only and do not constitute financial, legal, or tax advice. Any financial decisions should be made in the context of your unique circumstances and in partnership with a trusted financial advisor who understands your personal plan. A Physician’s Guide to Wealth Podcast — Brought to you by IM Wealth: Helping physicians take control of their money so they can live a purposeful life.For more resources, visit IMWealth.com.Advisory services offered through Commonwealth Financial Network®, a Registered Investment Adviser.

Time—not money—is the true currency of a meaningful life.In this solo episode, James Nutter invites physicians to step off autopilot and confront a hard truth: while doctors fiercely protect their income, homes, and assets, they rarely protect their time with the same urgency. The result is a life filled with drift—missed priorities, delayed dreams, and years that pass faster than expected.James introduces a simple but powerful annual practice he uses to reclaim control: a time and life audit. By reviewing calendars, photos, and spending habits, physicians can clearly see where their time and energy actually went—and whether those choices aligned with what truly mattered.The episode walks listeners through a practical framework built around three core questions:What needs to be left behind?What deserves to be carried forward?What moments delivered the greatest return on joy?James also challenges the deeply ingrained medical culture of constant grinding, reminding physicians that fulfillment isn’t found in endless productivity, but in intentional living. From setting boundaries and saying no, to delegating wisely and building supportive teams, reclaiming time is both a mindset shift and a tactical skill.This episode isn’t about doing more—it’s about doing what matters, protecting your most finite resource, and designing a life that feels as good as it looks on paper.What You’ll LearnWhy time—not money—is the most valuable asset physicians ownHow unprotected calendars quietly erode joy, purpose, and presenceA simple framework for auditing how you actually spend your lifeThe difference between productivity and meaningful progressHow to identify high “return on joy” moments and create more of themWhy saying no is a skill physicians must intentionally practiceHow delegation and support systems buy back timeWhy traditional New Year’s resolutions fail—and what works insteadHow to design a life that aligns with your values, not just your titleFinal TakeawayYou don’t get more time—but you can protect it better.A life well lived isn’t built accidentally. It’s designed through awareness, boundaries, and intentional choices. When physicians learn to guard their time as fiercely as their finances, everything else begins to align. Additional Resources Download the PSLF Hacks ChecklistBook a free financial wellness session with JamesGet access to exclusive physician financial tools at www.imwealth.com1% of IM Wealth’s revenue is dedicated to providing scholarship funds to medical students. Learn more about the Meaningful Journeys Scholarship and how you can join the fight here.Learn more about the impact IM Wealth is making in the lives of physicians here.Gain FREE immediate access to all of IM Wealth’s exclusive physician financial wellness resources here.About the Show:This isn’t just another finance podcast—it’s a movement. We’re challenging the status quo, cutting through the noise, and giving physicians real strategies to take control of their money and their future. Because true wealth isn’t just about numbers—it’s about freedom.Find and follow the show on YouTube. About James Nutter:James Nutter is on a mission to help physicians reclaim their financial power. With a deep understanding of the unique challenges doctors face, he provides real-world strategies that cut through the noise and lead to lasting financial freedom.Follow James on Instagram. DisclaimerThe opinions expressed in this podcast are for informational and educational purposes only and do not constitute financial, legal, or tax advice. Any financial decisions should be made in the context of your unique circumstances and in partnership with a trusted financial advisor who understands your personal plan. A Physician’s Guide to Wealth Podcast — Brought to you by IM Wealth: Helping physicians take control of their money so they can live a purposeful life.For more resources, visit IMWealth.com.Advisory services offered through Commonwealth Financial Network®, a Registered Investment Adviser.

For physicians, student loans aren’t just math—they’re emotional. They shape decisions about jobs, families, burnout, and freedom.In this masterclass episode, James Nutter pulls back the curtain on the confusion surrounding physician student debt and explains why so many doctors feel stuck, anxious, or ashamed about a system they were never equipped to navigate.James outlines the three student loan repayment categories every physician must choose between:✔ PSLF with a safety-fund contingency✔ Aggressive full payoff (obliteration)✔ Balanced repayment while building wealthHe explains what type of physician best fits each path, why math alone shouldn’t drive the decision, how to avoid catastrophic repayment mistakes, and how to build a plan that supports your life—not consumes it.From news about the SAVE Plan shutdown, to backdating PSLF years from residency and fellowship, to refinancing strategy, tax filing decisions, income planning, and the psychological impact of debt, this episode reframes student loans as solvable—not suffocating.The conversation closes with a powerful mindset shift: true success isn’t about the lowest interest rate or fastest payoff—it’s choosing the path that lets you sleep at night and live well now.Physicians deserve clarity. This episode delivers a framework that reduces fear, builds confidence, and moves doctors forward.What You’ll LearnThe only 3 repayment paths that truly exist for physiciansWhy PSLF success is rising—and how to actually qualifyHow backdating residency years can unlock forgiveness fasterWhat the SAVE Plan shutdown means for doctors todayHow to build a PSLF contingency fund for peace of mindWhen full payoff is healthier than optimizationWhy “balance” may outperform speed for many physiciansReal physician stories of forgiveness, payoff, and transitionHow refinancing decisions are changing under new rulesHow to automate discipline and reduce financial stressKey Topics & MomentsPSLF vs. payoff psychology: deciding with clarityThe role emotion plays—fear, stress, uncertainty, shameSAVE Plan shutdown + what comes nextResidency and fellowship repayment mistakesDual-physician loan dynamics and tax filing strategyThe mental burden of debt vs. the math of payoffWhy aggressive payoff isn’t always the answerThe case of $400K forgiven after overlooked qualifying yearsA 3-step execution system that actually worksBuilding a financial plan that supports human wellbeingFinal TakeawayPrivate practice isn’t dying—it’s evolving. Physicians don’t need to choose between burnout and selling out. With the right structure, systems, and support, autonomy in medicine is still possible.Additional Resources Download the PSLF Hacks ChecklistBook a free financial wellness session with JamesGet access to exclusive physician financial tools at www.imwealth.com1% of IM Wealth’s revenue is dedicated to providing scholarship funds to medical students. Learn more about the Meaningful Journeys Scholarship and how you can join the fight here.Learn more about the impact IM Wealth is making in the lives of physicians here.Gain FREE immediate access to all of IM Wealth’s exclusive physician financial wellness resources here.About the Show:This isn’t just another finance podcast—it’s a movement. We’re challenging the status quo, cutting through the noise, and giving physicians real strategies to take control of their money and their future. Because true wealth isn’t just about numbers—it’s about freedom.Find and follow the show on YouTube. About James Nutter:James Nutter is on a mission to help physicians reclaim their financial power. With a deep understanding of the unique challenges doctors face, he provides real-world strategies that cut through the noise and lead to lasting financial freedom.Follow James on Instagram. DisclaimerThe opinions expressed in this podcast are for informational and educational purposes only and do not constitute financial, legal, or tax advice. Any financial decisions should be made in the context of your unique circumstances and in partnership with a trusted financial advisor who understands your personal plan. A Physician’s Guide to Wealth Podcast — Brought to you by IM Wealth: Helping physicians take control of their money so they can live a purposeful life.For more resources, visit IMWealth.com.Advisory services offered through Commonwealth Financial Network®, a Registered Investment Adviser.

Medicine wasn’t supposed to feel like this.In this wide‑ranging conversation, James and Donovan pull back the curtain on why so many physicians feel trapped—overtrained professionals reduced to overworked note‑takers, buried under administrative chaos and shrinking margins. Donovan explains how the modern healthcare system has shifted power away from physicians and toward bureaucracy, creating burnout by design.They explore why the usual “solutions” (hospital employment, concierge medicine, or walking away entirely) aren’t the only options—and often aren’t sustainable at scale. Instead, Donovan introduces a third path: rebuilding practices with the right structure, systems, and economies of scale so physicians can operate at the top of their license again.From bleeding time and money through poor workflows, staffing instability, and under‑optimized revenue cycle management, to overlooked opportunities like value‑based contracts and AI‑driven operations, this episode reframes private practice as something that can work—if it’s built intentionally.The conversation closes on a more human note: what freedom in medicine really means, how silence and space factor into a life well lived, and why reclaiming agency is about more than income—it’s about sustainability, purpose, and peace.What You’ll LearnWhy physician burnout is driven more by loss of agency than workloadHow administrative burden quietly erodes time, money, and energyThe real reason private practices struggle with margins and staffingWhy selling to a hospital isn’t the only—or best—optionHow MSO models can restore scale without sacrificing autonomyWhere physicians commonly leave money on the table in billing and codingWhy value‑based contracts are a massively underused opportunityHow AI receptionists and smarter workflows reduce chaosWhat it realistically takes to transition into private practiceWhat “freedom in medicine” actually looks like in real lifeKey Topics & MomentsLoss of physician agency and the rise of administrative overloadThe 8:5 ratio: patient care vs. administrative workWhy burnout makes hospital employment feel temptingConcierge medicine: helpful reaction, incomplete solutionBleeding points: margins, staffing, workflow, and energyThe hidden cost of physician turnoverRevenue cycle blind spots and missed reimbursement opportunitiesScaling practices without sacrificing care qualityValue‑based care as a long‑term lever for sustainabilityRedefining success, silence, and a life well livedGuest Spotlight: Donovan MiskeDonovan Miske is the founder of Kona Medical Consulting, a national managed service organization (MSO) helping independent physicians regain control of their practices. His work focuses on operational efficiency, revenue optimization, staffing stability, and long‑term scalability—so physicians can practice medicine without being consumed by the business of medicine.Final TakeawayPrivate practice isn’t dying—it’s evolving. Physicians don’t need to choose between burnout and selling out. With the right structure, systems, and support, autonomy in medicine is still possible.Additional Resources Download the PSLF Hacks ChecklistBook a free financial wellness session with JamesGet access to exclusive physician financial tools at www.imwealth.com1% of IM Wealth’s revenue is dedicated to providing scholarship funds to medical students. Learn more about the Meaningful Journeys Scholarship and how you can join the fight here.Learn more about the impact IM Wealth is making in the lives of physicians here.Gain FREE immediate access to all of IM Wealth’s exclusive physician financial wellness resources here.About the Show:This isn’t just another finance podcast—it’s a movement. We’re challenging the status quo, cutting through the noise, and giving physicians real strategies to take control of their money and their future. Because true wealth isn’t just about numbers—it’s about freedom.Find and follow the show on YouTube. About James Nutter:James Nutter is on a mission to help physicians reclaim their financial power. With a deep understanding of the unique challenges doctors face, he provides real-world strategies that cut through the noise and lead to lasting financial freedom.Follow James on Instagram. DisclaimerThe opinions expressed in this podcast are for informational and educational purposes only and do not constitute financial, legal, or tax advice. Any financial decisions should be made in the context of your unique circumstances and in partnership with a trusted financial advisor who understands your personal plan. A Physician’s Guide to Wealth Podcast — Brought to you by IM Wealth: Helping physicians take control of their money so they can live a purposeful life.For more resources, visit IMWealth.com.Advisory services offered through Commonwealth Financial Network®, a Registered Investment Adviser.

Money is emotional, chaotic, and—if left unmanaged—one of the biggest sources of stress for physicians and families. In this actionable episode, James Nutter shares the exact systems he uses to help clients build a financial plan and actually stick to it.He introduces the “Box and Shelf” method—a simple but powerful way to store all your financial tasks, documents, and priorities in one place so you stop juggling decisions in your mind all day. From there, he explains why single-tasking your finances (not multitasking) is critical, how to run monthly Family Board Meetings to keep alignment, and why “BAMFAM” (Book A Meeting From A Meeting) prevents money decisions from falling into no-man’s land.James also breaks down the value of automation, the myth of perfect financial months, and how to navigate challenges without throwing out your whole plan. He closes with a reminder: consistency—not perfection—is what builds true financial freedom. When you structure your money life, you reclaim your peace.WHAT YOU’LL LEARNThe 5-step system James uses with clients to stay financially organizedWhy multitasking drops your IQ more than being high (NASA study)How the Box & Shelf method eliminates clutter and overwhelmHow to use monthly Family Board Meetings to stay alignedThe power of BAMFAM to prevent lost tasksWhy automation is your best friend in financial wellnessHow to adjust goals when life (or your budget) shiftsWhy financial clarity often takes 6–12 months—and why that’s normalNEXT STEPSCreate your “Box & Shelf” digital vaultSchedule your first Family Board MeetingChoose one financial project and create a 30–90 min single-task sessionAutomate one savings goal this weekRevisit and adjust goals monthlyBook a free Financial Wellness Diagnostic with James at IMWealth.comAdditional Resources Download the PSLF Hacks ChecklistBook a free financial wellness session with JamesGet access to exclusive physician financial tools at www.imwealth.com1% of IM Wealth’s revenue is dedicated to providing scholarship funds to medical students. Learn more about the Meaningful Journeys Scholarship and how you can join the fight here.Learn more about the impact IM Wealth is making in the lives of physicians here.Gain FREE immediate access to all of IM Wealth’s exclusive physician financial wellness resources here.About the Show:This isn’t just another finance podcast—it’s a movement. We’re challenging the status quo, cutting through the noise, and giving physicians real strategies to take control of their money and their future. Because true wealth isn’t just about numbers—it’s about freedom.Find and follow the show on YouTube. About James Nutter:James Nutter is on a mission to help physicians reclaim their financial power. With a deep understanding of the unique challenges doctors face, he provides real-world strategies that cut through the noise and lead to lasting financial freedom.Follow James on Instagram. DisclaimerThe opinions expressed in this podcast are for informational and educational purposes only and do not constitute financial, legal, or tax advice. Any financial decisions should be made in the context of your unique circumstances and in partnership with a trusted financial advisor who understands your personal plan. A Physician’s Guide to Wealth Podcast — Brought to you by IM Wealth: Helping physicians take control of their money so they can live a purposeful life.For more resources, visit IMWealth.com.Advisory services offered through Commonwealth Financial Network®, a Registered Investment Adviser.

Financial clarity feels great — until life gets busy and everything stalls again. In this episode, James Nutter tackles the real gap most physicians face: execution. After laying the groundwork in the Financial Wellness 101 series, he walks listeners through practical frameworks for staying organized, focused, and consistent without burning out.James introduces the Box & Shelf method to eliminate mental clutter, the 3×3×3×3 framework to prioritize what actually matters, and Darren Hardy’s 5-3-1 Plan for intentional skill-building without overwhelm. Along the way, he reinforces why single-tasking beats multitasking, why automation matters more than perfect months, and why consistency — not intensity — is what builds real financial freedom.This episode is about reclaiming peace by building systems that carry you forward when motivation fades.What You’ll LearnWhy execution — not information — is the biggest financial bottleneckHow the Box & Shelf method reduces overwhelm and mental clutterThe 3×3×3×3 framework for identifying your most critical prioritiesWhy multitasking your finances actually lowers performanceHow Family Board Meetings create alignment and momentumWhat BAMFAM (Book A Meeting From A Meeting) preventsHow the 5-3-1 Plan helps you build skills without burnoutWhy progress often takes 6–12 months — and why that’s normalKey Frameworks CoveredBox & Shelf Method: One centralized system for financial tasks and documents3×3×3×3 Framework:3 Financial Vitals3 Core Cash Flows3 Core Values3 Big Goals3 Key Team MembersFamily Board Meetings: Monthly alignment without pressureBAMFAM: Ensuring decisions turn into action5-3-1 Plan: 5 books, 3 podcasts, 1 coach per quarterAction StepsBuild your digital Box & Shelf vaultIdentify your lowest-scoring financial vitalsSchedule your first Family Board MeetingChoose one financial project for a focused 30–90 minute sessionAutomate at least one savings or investment goalDecide: DIY, Done-With-You, or Done-For-You supportAdditional Resources Download the PSLF Hacks ChecklistBook a free financial wellness session with JamesGet access to exclusive physician financial tools at www.imwealth.com1% of IM Wealth’s revenue is dedicated to providing scholarship funds to medical students. Learn more about the Meaningful Journeys Scholarship and how you can join the fight here.Learn more about the impact IM Wealth is making in the lives of physicians here.Gain FREE immediate access to all of IM Wealth’s exclusive physician financial wellness resources here.About the Show:This isn’t just another finance podcast—it’s a movement. We’re challenging the status quo, cutting through the noise, and giving physicians real strategies to take control of their money and their future. Because true wealth isn’t just about numbers—it’s about freedom.Find and follow the show on YouTube. About James Nutter:James Nutter is on a mission to help physicians reclaim their financial power. With a deep understanding of the unique challenges doctors face, he provides real-world strategies that cut through the noise and lead to lasting financial freedom.Follow James on Instagram. DisclaimerThe opinions expressed in this podcast are for informational and educational purposes only and do not constitute financial, legal, or tax advice. Any financial decisions should be made in the context of your unique circumstances and in partnership with a trusted financial advisor who understands your personal plan. A Physician’s Guide to Wealth Podcast — Brought to you by IM Wealth: Helping physicians take control of their money so they can live a purposeful life.For more resources, visit IMWealth.com.Advisory services offered through Commonwealth Financial Network®, a Registered Investment Adviser.

Money conversations are hard for everyone—even financial advisors and physicians who deal with high-stakes decisions every day. In this deeply relatable and practical episode, James Nutter pulls back the curtain on why couples struggle to talk about money, why “knowing” and “doing” are not the same thing, and how to create a repeatable structure that makes financial conversations feel safe, productive, and even connective.Using stories from clients, personal experiences during wedding planning, and research around financial stress and divorce, James introduces his four-step Family Board Meeting Framework:Create the Space – Schedule meetings intentionally and avoid talking about money when you’re exhausted, rushed, or emotionally charged.Set Ground Rules – Avoid “HALT,” listen with humility, and use shared language that helps prevent misunderstandings.Understand the Law of Familiarity – Why couples often don’t hear financial advice from each other, and how “out-of-town experts” help.Run the Meeting – Use monthly and quarterly huddles, issue lists, and cash-flow reviews to keep your goals aligned and your decisions intentional.James shares actionable scripts, meeting shells, mindset shifts, and practical tools—like issue lists, shared clouds, and curiosity-driven questions—that help families build trust and clarity around money. If financial conversations have ever felt heavy in your home, this episode offers a roadmap to bring stability, ease, and teamwork back to your financial life.WHAT YOU’LL LEARNWhy money is the #1 source of household stress for 75% of familiesHow the “love triangle” of money shapes your partner’s financial beliefsHow to set ground rules that keep conversations calm and productiveHow the Law of Familiarity sabotages communication—and how to fix itThe exact structure James uses for monthly, quarterly, and annual money meetingsHow to use digital “issue lists” to keep decisions organizedWhy humility and curiosity matter more than financial knowledgeHow to collaborate on financial decisions without resentment or pressureNEXT STEPS📅 Schedule your first 30–60 minute Family Board Meeting📓 Create your shared cloud folder with “issue lists” and monthly check-ins💬 Ask your partner: “Do you want solutions or a listening ear right now?”📝 Revisit your goals monthly🔄 Schedule your quarterly cash-flow review🧭 Identify 1–2 decisions that need alignment nowAdditional Resources Download the PSLF Hacks ChecklistBook a free financial wellness session with JamesGet access to exclusive physician financial tools at www.imwealth.com1% of IM Wealth’s revenue is dedicated to providing scholarship funds to medical students. Learn more about the Meaningful Journeys Scholarship and how you can join the fight here.Learn more about the impact IM Wealth is making in the lives of physicians here.Gain FREE immediate access to all of IM Wealth’s exclusive physician financial wellness resources hereAbout the Show:This isn’t just another finance podcast—it’s a movement. We’re challenging the status quo, cutting through the noise, and giving physicians real strategies to take control of their money and their future. Because true wealth isn’t just about numbers—it’s about freedom.Find and follow the show on YouTube. About James Nutter:James Nutter is on a mission to help physicians reclaim their financial power. With a deep understanding of the unique challenges doctors face, he provides real-world strategies that cut through the noise and lead to lasting financial freedom.Follow James on Instagram. DisclaimerThe opinions expressed in this podcast are for informational and educational purposes only and do not constitute financial, legal, or tax advice. Any financial decisions should be made in the context of your unique circumstances and in partnership with a trusted financial advisor who understands your personal plan. A Physician’s Guide to Wealth Podcast — Brought to you by IM Wealth: Helping physicians take control of their money so they can live a purposeful life.For more resources, visit IMWealth.com.Advisory services offered through Commonwealth Financial Network®, a Registered Investment Adviser.

This week on A Life Well Lived: A Physician’s Guide to Wealth, James Nutter moves from intention to action by breaking down the real math behind your goals. After helping listeners clarify their values, money love languages, and long-term vision earlier in the Financial Wellness 101 series, James now shows you how to identify what your dream life costs—and how to fund it, one intentional step at a time.He walks you through the process of calculating free cash flow, evaluating whether your current lifestyle aligns with your values, and reverse-engineering every big goal (from student loans to dream homes) into monthly, achievable targets. James explains how to set priorities, build momentum with early wins, and adjust your plan if the numbers don’t quite match your dreams yet.This episode is equal parts mindset, math, and motivation—giving physicians a real roadmap for creating a life that feels aligned, intentional, and deeply meaningful.What You’ll Learn in This EpisodeHow to calculate your free cash flow—and why it’s the engine behind your goalsHow to reverse-engineer every major goal into a monthly targetHow to evaluate whether your current lifestyle aligns with your valuesHow to identify what you want “more of” in your present lifeWays to adjust your goals or lifestyle if the numbers don’t matchThe difference between dreaming and doing—and how to automate progressHow visualization and accountability drive long-term successNext Steps📓 List your top three financial goals—include the dollar amount and timeline💡 Calculate the monthly cost for each goal🧭 Compare your free cash flow to your goals🔄 Adjust: increase income, reduce expenses, or shift timelines if needed🎯 Prioritize your top 3–5 “rocks”🚀 Set early wins for the next 30 days📆 Revisit your plan weekly or monthlyAdditional Resources Download the PSLF Hacks ChecklistBook a free financial wellness session with JamesGet access to exclusive physician financial tools at www.imwealth.com1% of IM Wealth’s revenue is dedicated to providing scholarship funds to medical students. Learn more about the Meaningful Journeys Scholarship and how you can join the fight here.Learn more about the impact IM Wealth is making in the lives of physicians here.Gain FREE immediate access to all of IM Wealth’s exclusive physician financial wellness resources here.About the Show:This isn’t just another finance podcast—it’s a movement. We’re challenging the status quo, cutting through the noise, and giving physicians real strategies to take control of their money and their future. Because true wealth isn’t just about numbers—it’s about freedom.Find and follow the show on YouTube. About James Nutter:James Nutter is on a mission to help physicians reclaim their financial power. With a deep understanding of the unique challenges doctors face, he provides real-world strategies that cut through the noise and lead to lasting financial freedom.Follow James on Instagram. DisclaimerThe opinions expressed in this podcast are for informational and educational purposes only and do not constitute financial, legal, or tax advice. Any financial decisions should be made in the context of your unique circumstances and in partnership with a trusted financial advisor who understands your personal plan. A Physician’s Guide to Wealth Podcast — Brought to you by IM Wealth: Helping physicians take control of their money so they can live a purposeful life.For more resources, visit IMWealth.com.Advisory services offered through Commonwealth Financial Network®, a Registered Investment Adviser.

In this week’s episode of A Life Well Lived: A Physician’s Guide to Wealth, James Nutter continues the Financial Wellness 101 series, moving from “Vision” to action.After exploring values and the seven-part meaningful goal-setting framework, James dives deeper into how to turn intentions into results. He unpacks how to prioritize what matters most, write goals that are specific and attainable, and set guardrails that keep you moving forward—even when motivation fades.From the power of visualization and accountability to the importance of persistence and small, consistent wins, James gives physicians a roadmap for aligning their financial plans with the life they actually want to live.This isn’t just theory—it’s a workshop. Grab your coffee, bring your spouse or partner, and follow along to design the next chapter of your financial wellness journey.What You’ll Learn in This EpisodeThe 7-step meaningful goal-setting framework in actionHow to create specific, measurable, attainable, realistic, and time-bound (SMART) goalsThe importance of prioritizing your top 3–5 “rocks” each quarterHow to visualize success to stay motivated long-termWays to use the 5-3-1 learning framework to master new financial habitsHow to turn small wins into lasting progressNext Steps:📓 Write down your top three goals for the next 12 months and share them with someone who will hold you accountable💰 Identify the dollar amount and timeline for each goal—get specific🧭 Rank them in priority order and focus on your top 3–5🔄 Set “early wins” you can achieve within 30 days to build momentum🎯 Revisit your plan weekly or monthly and make adjustmentsAdditional Resources Download the PSLF Hacks ChecklistBook a free financial wellness session with JamesGet access to exclusive physician financial tools at www.imwealth.com1% of IM Wealth’s revenue is dedicated to providing scholarship funds to medical students. Learn more about the Meaningful Journeys Scholarship and how you can join the fight here.Learn more about the impact IM Wealth is making in the lives of physicians here.Gain FREE immediate access to all of IM Wealth’s exclusive physician financial wellness resources here.About the Show:This isn’t just another finance podcast—it’s a movement. We’re challenging the status quo, cutting through the noise, and giving physicians real strategies to take control of their money and their future. Because true wealth isn’t just about numbers—it’s about freedom.Find and follow the show on YouTube. About James Nutter:James Nutter is on a mission to help physicians reclaim their financial power. With a deep understanding of the unique challenges doctors face, he provides real-world strategies that cut through the noise and lead to lasting financial freedom.Follow James on Instagram. DisclaimerThe opinions expressed in this podcast are for informational and educational purposes only and do not constitute financial, legal, or tax advice. Any financial decisions should be made in the context of your unique circumstances and in partnership with a trusted financial advisor who understands your personal plan. A Physician’s Guide to Wealth Podcast — Brought to you by IM Wealth: Helping physicians take control of their money so they can live a purposeful life.For more resources, visit IMWealth.com.Advisory services offered through Commonwealth Financial Network®, a Registered Investment Adviser.

In this week’s solo episode of A Life Well Lived: A Physician’s Guide to Wealth, James Nutter continues the Financial Wellness 101 series—helping you bridge the gap between planning and living.After exploring your financial vitals, free cash flow, time audits, and values, today’s focus is on Vision 101: a seven-step goal-setting framework that connects your finances to what truly matters. James discusses how vision gives direction, courage, and confidence—offering guardrails to stay on track even when life throws a curveball.Drawing from timeless wisdom, real-world coaching experience, and personal stories, James shows how to set meaningful, values-driven goals and stay persistent through accountability and visualization. He also challenges the “live like a resident” mindset, reminding listeners that true financial freedom means balancing future planning with present living.This episode isn’t just about creating goals—it’s about crafting a life of intention, fulfillment, and freedom.What You’ll Learn in This EpisodeWhy vision and planning create freedom, not restrictionHow to align goals with your core values and money “love languages”The seven-part meaningful goal-setting process used by IM Wealth clientsThe role of visualization and accountability in achieving successWhy persistence—and not perfection—is the key to momentumHow to live intentionally now while still planning for the futureNext Steps📘 Reflect on your core values and how they guide your financial decisions🖊️ Write down your top three goals for the next 12 months—and share them with someone you trust🧭 Identify potential obstacles that could derail your progress and how to prepare for them💭 Visualize achieving your goals—what does it feel like? What changes in your life?💪 Revisit your financial plan and ensure it supports both your future ambitions and your present joy.Additional Resources Download the PSLF Hacks ChecklistBook a free financial wellness session with JamesGet access to exclusive physician financial tools at www.imwealth.com1% of IM Wealth’s revenue is dedicated to providing scholarship funds to medical students. Learn more about the Meaningful Journeys Scholarship and how you can join the fight here.Learn more about the impact IM Wealth is making in the lives of physicians here.Gain FREE immediate access to all of IM Wealth’s exclusive physician financial wellness resources here.About the Show:This isn’t just another finance podcast—it’s a movement. We’re challenging the status quo, cutting through the noise, and giving physicians real strategies to take control of their money and their future. Because true wealth isn’t just about numbers—it’s about freedom.Find and follow the show on YouTube. About James Nutter:James Nutter is on a mission to help physicians reclaim their financial power. With a deep understanding of the unique challenges doctors face, he provides real-world strategies that cut through the noise and lead to lasting financial freedom.Follow James on Instagram. DisclaimerThe opinions expressed in this podcast are for informational and educational purposes only and do not constitute financial, legal, or tax advice. Any financial decisions should be made in the context of your unique circumstances and in partnership with a trusted financial advisor who understands your personal plan. A Physician’s Guide to Wealth Podcast — Brought to you by IM Wealth: Helping physicians take control of their money so they can live a purposeful life.For more resources, visit IMWealth.com.Advisory services offered through Commonwealth Financial Network®, a Registered Investment Adviser.

 In this week’s episode of A Life Well Lived: A Physician’s Guide to Wealth, James welcomes Zoe Taylor, a nationally recognized realtor and founder of _Moving Medicine Partners_—a nationwide network of 83 realtors who are all married to physicians and uniquely understand the challenges of relocating for medical careers.Zoe shares hard-earned insights on the biggest mistakes physicians make when buying a home, how to know when it’s truly time to buy or sell, and what to expect from the 2026 housing market. Together, they explore the realities of physician loans, delayed gratification, and how comparison culture on social media leads many to overbuy.This conversation is part real estate playbook, part mindset reset. You’ll walk away knowing how to plan smarter, build equity intentionally, and protect your financial freedom—without burning out in the process.What You’ll Learn in This EpisodeThe top financial mistakes physicians make when buying a homeHow to know if now is the right time to buy, sell, or waitWhat to understand about physician loans vs. conventional loansHow lifestyle creep and “Pinterest-perfect” homes derail long-term goalsWhy renting isn’t always “throwing money away”The truth about “passive” real estate investingHow Zoe balances business, motherhood, and wellness through mindful livingNext Steps🏡 Evaluate whether your current housing fits your 1-, 5-, and 10-year life plans💰 Talk to multiple lenders before choosing a physician loan📈 Reassess your buying power based on overall financial goals—not emotions📋 Connect with a financial advisor to plan your next real estate move☕ Start your day with intention—quiet time, coffee, or journaling—to stay grounded amid career chaosAbout Zoe TaylorZoe Taylor is the founder of Moving Medicine Partners, a nationwide network of realtors who specialize in helping physicians and their families buy, sell, and relocate with ease. Based in St. Louis, Zoe blends years of medical office management experience with her passion for real estate to help doctors make confident, informed decisions. She’s helped hundreds of medical professionals align their home purchases with their careers, finances, and lifestyle goals.🔗 Learn more: movingmedicinepartners.comAdditional ResourcesDownload the PSLF Hacks ChecklistBook a free financial wellness session with JamesGet access to exclusive physician financial tools at www.imwealth.com1% of IM Wealth’s revenue is dedicated to providing scholarship funds to medical students. Learn more about the Meaningful Journeys Scholarship and how you can join the fight here.Learn more about the impact IM Wealth is making in the lives of physicians here.Gain FREE immediate access to all of IM Wealth’s exclusive physician financial wellness resources here.About the Show:This isn’t just another finance podcast—it’s a movement. We’re challenging the status quo, cutting through the noise, and giving physicians real strategies to take control of their money and their future. Because true wealth isn’t just about numbers—it’s about freedom.Find and follow the show on YouTube. A Physician’s Guide to Wealth Podcast — Brought to you by IM Wealth: Helping physicians take control of their money so they can live a purposeful life.For more resources, visit IMWealth.com.Advisory services offered through Commonwealth Financial Network®, a Registered Investment Adviser.

In this week’s episode of A Life Well Lived: A Physician’s Guide to Wealth, James Nutter shares a powerful mindset shift: time—not money—is your most valuable asset.Drawing from his own annual “Time Audit” ritual, James explains how to review your past year to uncover what truly matters. He breaks down the process step by step—from reviewing photos and calendars to identifying the people, habits, and commitments that either drain or enrich your life.You’ll learn how to leave behind what no longer serves you, double down on what fuels you, and build a more intentional, joy-filled life and career. Whether you’re burned out, overscheduled, or simply ready to feel lighter and more aligned, this episode offers a playbook to buy back your time—one thoughtful choice at a time.What You’ll Learn in This EpisodeWhy time is the most valuable, non-renewable assetHow to perform your own annual “Time Audit”Ways to identify what brings ROI—Return on JoyHow to say no to energy-draining people and commitmentsWhy busy physicians often trade joy for obligation—and how to stopSimple steps to create space for what matters mostHow to shift from “time scarcity” to intentional livingNext Steps🗓Schedule your own Time Audit — block off 3–5 hours in the next 30–60 days.☕️ Go off the grid — pick a quiet coffee shop or space where you won’t be interrupted.📸Review your year — look through your photos, calendar, and notes week by week.✍️Make two lists: what to leave behind and what to bring forward.💡Celebrate your “ROJ” moments — Return on Joy experiences that made the year meaningful.🔁Repeat annually — the more you do this, the clearer and lighter life becomes.Additional Resources Download the PSLF Hacks ChecklistBook a free financial wellness session with JamesGet access to exclusive physician financial tools at www.imwealth.com1% of IM Wealth’s revenue is dedicated to providing scholarship funds to medical students. Learn more about the Meaningful Journeys Scholarship and how you can join the fight here.Learn more about the impact IM Wealth is making in the lives of physicians here.Gain FREE immediate access to all of IM Wealth’s exclusive physician financial wellness resources here.About the Show:This isn’t just another finance podcast—it’s a movement. We’re challenging the status quo, cutting through the noise, and giving physicians real strategies to take control of their money and their future. Because true wealth isn’t just about numbers—it’s about freedom.Find and follow the show on YouTube. About James Nutter:James Nutter is on a mission to help physicians reclaim their financial power. With a deep understanding of the unique challenges doctors face, he provides real-world strategies that cut through the noise and lead to lasting financial freedom.Follow James on Instagram. DisclaimerThe opinions expressed in this podcast are for informational and educational purposes only and do not constitute financial, legal, or tax advice. Any financial decisions should be made in the context of your unique circumstances and in partnership with a trusted financial advisor who understands your personal plan. A Physician’s Guide to Wealth Podcast — Brought to you by IM Wealth: Helping physicians take control of their money so they can live a purposeful life.For more resources, visit IMWealth.com.Advisory services offered through Commonwealth Financial Network®, a Registered Investment Adviser.

In this week’s episode of A Life Well Lived: A Physician’s Guide to Wealth, James continues the “Your Health Is Your Wealth” series with guest Chad Volant, founder of Strength Rx and long-time performance coach helping busy professionals and physicians build strength, mobility, and longevity.Chad’s philosophy is simple yet powerful: movement is medicine. Through practical stories and science-backed insights, he shares how strength training protects bone health, supports metabolism, improves cognitive function, and even combats burnout. Together, James and Chad dive into why muscle mass is one of the strongest predictors of longevity and how to train efficiently—even with limited time.Whether you’re a physician logging 70-hour weeks or simply want to move and feel better 10, 20, or 30 years from now, this episode offers a playbook for staying strong, resilient, and pain-free for life.What You’ll Learn in This EpisodeWhy muscle mass is one of the strongest predictors of longevity How to build strength, mobility, and resilience at any age The difference between training hard and training smart What “being an intuitive exerciser” really means Why physicians are often overly conservative in the gym—and how to change that How to avoid burnout by balancing movement, recovery, and stress Practical weekly templates for VO₂ max and strength training How to train for power, heart health, and long-term independence Next Steps🏋️‍♀️ Re-evaluate your current routine—are you training for longevity or exhaustion? 🧠 Try Chad’s “A-B-C Day” method: match your workout intensity to your energy and stress levels. 💪 Commit to two to three strength sessions per week focused on fundamental movements. 🚴‍♂️ Add a VO₂ max workout or two this week to build cardiovascular endurance. 🍎 Stock convenient, high-protein snacks to fuel your busy schedule. About Chad VolantChad Volant is the founder of Strength Rx, a premier performance gym in Traverse City, Michigan. A nationally recognized performance coach with over a decade of experience, Chad helps professionals and physicians move pain-free, build lasting strength, and train for longevity through his core philosophy that movement is medicine.Connect with Chad VolantExplore Strength Rx Programs and CoachingLearn how Chad and his team help busy professionals build sustainable strength and mobility. 👉 www.strengthrxgym.com Follow Strength Rx on InstagramGet daily training tips, longevity strategies, and behind-the-scenes looks inside the gym.👉 @strengthrxgym  Additional Resources Download the PSLF Hacks ChecklistBook a free financial wellness session with JamesGet access to exclusive physician financial tools at www.imwealth.com1% of IM Wealth’s revenue is dedicated to providing scholarship funds to medical students. Learn more about the Meaningful Journeys Scholarship and how you can join the fight here.Learn more about the impact IM Wealth is making in the lives of physicians here.Gain FREE immediate access to all of IM Wealth’s exclusive physician financial wellness resources here.About the Show:This isn’t just another finance podcast—it’s a movement. We’re challenging the status quo, cutting through the noise, and giving physicians real strategies to take control of their money and their future. Because true wealth isn’t just about numbers—it’s about freedom.Find and follow the show on YouTube. About James Nutter:James Nutter is on a mission to help physicians reclaim their financial power. With a deep understanding of the unique challenges doctors face, he provides real-world strategies that cut through the noise and lead to lasting financial freedom.Follow James on Instagram. DisclaimerThe opinions expressed in this podcast are for informational and educational purposes only and do not constitute financial, legal, or tax advice. Any financial decisions should be made in the context of your unique circumstances and in partnership with a trusted financial advisor who understands your personal plan. A Physician’s Guide to Wealth Podcast — Brought to you by IM Wealth: Helping physicians take control of their money so they can live a purposeful life.For more resources, visit IMWealth.com.Advisory services offered through Commonwealth Financial Network®, a Registered Investment Adviser.

In this week’s episode of Life Well Lived: A Physician’s Guide to Wealth, James continues the Financial Wellness 101 Series by helping listeners “begin with a life well lived in mind.”James challenges physicians to reverse the traditional order of achievement—no longer building a life around work, but crafting a career that supports their ideal lifestyle. Through a series of powerful reflection prompts, he guides you to identify your core identity, purpose, and vision, then evaluate whether your time and money truly reflect what you value most.This episode isn’t about spreadsheets or budgets—it’s about alignment. By combining the principles of financial planning with personal growth, James shows how creating a clear life plan first can unlock freedom, purpose, and lasting fulfillment. What You’ll Learn in This EpisodeHow to build your life plan before your career planQuestions to uncover your core identity and life purposeHow to align time and money with your deepest valuesWays to assess whether your financial habits reflect what you care about mostHow to design a career that supports your ideal lifestylePractical steps to create “off-the-grid” moments that recharge youWhy burnout is often a sign of misalignment between values and reality Next Steps✍️ Set aside 30 minutes to complete the “Life Well Lived” reflection questions shared in this episode 💰 Revisit your Circulatory Cash Flow System from the Financial Wellness 101 series to adjust your spending around your lifestyle goals 🗓 Add one lifestyle-aligned commitment to your calendar this week—whether it’s a date night, family dinner, or time to recharge Additional Resources Download the PSLF Hacks ChecklistBook a free financial wellness session with JamesGet access to exclusive physician financial tools at www.imwealth.com1% of IM Wealth’s revenue is dedicated to providing scholarship funds to medical students. Learn more about the Meaningful Journeys Scholarship and how you can join the fight here.Learn more about the impact IM Wealth is making in the lives of physicians here.Gain FREE immediate access to all of IM Wealth’s exclusive physician financial wellness resources here. About the Show:This isn’t just another finance podcast—it’s a movement. We’re challenging the status quo, cutting through the noise, and giving physicians real strategies to take control of their money and their future. Because true wealth isn’t just about numbers—it’s about freedom.Find and follow the show on YouTube.  About James Nutter:James Nutter is on a mission to help physicians reclaim their financial power. With a deep understanding of the unique challenges doctors face, he provides real-world strategies that cut through the noise and lead to lasting financial freedom.Follow James on Instagram. DisclaimerThe opinions expressed in this podcast are for informational and educational purposes only and do not constitute financial, legal, or tax advice. Any financial decisions should be made in the context of your unique circumstances and in partnership with a trusted financial advisor who understands your personal plan. A Physician’s Guide to Wealth Podcast — Brought to you by IM Wealth: Helping physicians take control of their money so they can live a purposeful life.For more resources, visit IMWealth.com.Advisory services offered through Commonwealth Financial Network®, a Registered Investment Adviser.

In this installment of Life Well Lived: A Physician’s Guide to Wealth, James Nutter welcomes Dr. Sarah Samaan, a recently retired cardiologist who now coaches physicians in career transitions, time management, and mindfulness.Dr. Samaan shares her journey from decades in cardiology to becoming a physician development coach—drawing on her yoga practice, personal mission work, and equestrian pursuits. Together, James and Sarah unpack how values and mindfulness not only make physicians better caregivers but also help them design meaningful lives outside of clinical practice.Listeners will discover how to recognize the signs of burnout, why personal values must guide goal setting, and how creating a personal mission statement can act as a physician’s “North Star.” Sarah offers practical tools—like time blocking, task batching, and mindful pauses—that physicians can apply immediately to reclaim clarity and peace.This episode is both a conversation and a call to action for doctors ready to reconnect with themselves, rediscover their passions, and chart a purposeful path forward. What You’ll Learn in This EpisodeHow mindfulness and yoga translate into stronger patient care and physician presenceThe three components of burnout (and why depersonalization is on the rise)Why core values should come before setting goalsHow to craft a personal mission statement to guide decisionsPractical strategies for managing time, attention, and boundariesWhy “saying no” is often the most important act of self-careSmall experiments that can reignite passion and create new opportunities About the Guest:Dr. Sarah Samaan, MD, FACC is a retired cardiologist, bestselling author, and Master Certified Physician Development Coach. After nearly three decades leading cardiology departments and caring for thousands of patients, she now helps physicians navigate transitions, prevent burnout, and rediscover purpose through values-based coaching. A registered yoga teacher and mindfulness coach, Dr. Samaan blends mind–body practices with practical time management strategies. She is the author of The Smart Woman’s Guide to Heart Health and DASH Diet for Dummies, serves as a peer coach with Vital WorkLife, and is pursuing her MFA in photography. Next Steps🌐 Download Dr. Samaan’s free Values Workbook at MindfulPhysicianCoaching.com📅 Book a free 30-minute consult with Dr. Samaan to explore physician coaching✍ Start your own personal mission statement using the reflection questions shared in this episode Additional Resources Download the PSLF Hacks ChecklistBook a free financial wellness session with JamesGet access to exclusive physician financial tools at www.imwealth.com1% of IM Wealth’s revenue is dedicated to providing scholarship funds to medical students. Learn more about the Meaningful Journeys Scholarship and how you can join the fight here.Learn more about the impact IM Wealth is making in the lives of physicians here.Gain FREE immediate access to all of IM Wealth’s exclusive physician financial wellness resources here.  About the Show:This isn’t just another finance podcast—it’s a movement. We’re challenging the status quo, cutting through the noise, and giving physicians real strategies to take control of their money and their future. Because true wealth isn’t just about numbers—it’s about freedom.Find and follow the show on YouTube.   About James Nutter:James Nutter is on a mission to help physicians reclaim their financial power. With a deep understanding of the unique challenges doctors face, he provides real-world strategies that cut through the noise and lead to lasting financial freedom.Follow James on Instagram. DisclaimerThe opinions expressed in this podcast are for informational and educational purposes only and do not constitute financial, legal, or tax advice. Any financial decisions should be made in the context of your unique circumstances and in partnership with a trusted financial advisor who understands your personal plan. A Physician’s Guide to Wealth Podcast — Brought to you by IM Wealth: Helping physicians take control of their money so they can live a purposeful life.For more resources, visit IMWealth.com.Advisory services offered through Commonwealth Financial Network®, a Registered Investment Adviser.

In this installment of Life Well Lived: A Physician’s Guide to Wealth, host James Nutter (fiduciary financial advisor and partner at IM Wealth) continues the Financial Wellness 101 series by tackling one of the hardest parts of personal finance: making decisions when there isn’t a clear “right” answer.Drawing on lessons from Darren Hardy’s Hero’s Journey leadership program, wisdom from Jeff Bezos, and even insights from LeBron James, James reveals why traditional advice like “live like a resident” often misses the mark—and how physicians can instead lean into their core values to guide financial choices.Listeners will learn:Why “cookie-cutter” financial advice can leave doctors unfulfilledHow gut instincts, core values, and decision frameworks intersectJeff Bezos’ four principles for high-velocity decision makingA five-step framework for making tough financial calls without regretWhy alignment between your inner values and outer actions is the true foundation of financial wellnessPacked with relatable stories (including James’ own missteps), practical strategies, and mindset shifts, this episode equips physicians to stop second-guessing, escape decision paralysis, and start living—and spending—in alignment with what truly matters.What You’ll Learn in This EpisodeHow to distinguish between Type 1 (irreversible) and Type 2 (reversible) decisionsWhy 70% of the data is often “enough” to actThe role of your gut in decision making—and why ignoring it causes inner conflictThe five-step decision framework rooted in values and strengthsWhy speed matters more than perfection in financial and life choicesNext Steps📅 Schedule a free financial wellness session with James at IM Wealth🩺 Join IM Wealth’s waiting list for a complimentary diagnostic✍️ Download the Tough Decisions Checklist (coming soon!)Additional Resources Download the PSLF Hacks ChecklistBook a free financial wellness session with JamesGet access to exclusive physician financial tools at www.imwealth.com1% of IM Wealth’s revenue is dedicated to providing scholarship funds to medical students. Learn more about the Meaningful Journeys Scholarship and how you can join the fight here.Learn more about the impact IM Wealth is making in the lives of physicians here.Gain FREE immediate access to all of IM Wealth’s exclusive physician financial wellness resources here.About the Show:This isn’t just another finance podcast—it’s a movement. We’re challenging the status quo, cutting through the noise, and giving physicians real strategies to take control of their money and their future. Because true wealth isn’t just about numbers—it’s about freedom.Find and follow the show on YouTube. About James Nutter:James Nutter is on a mission to help physicians reclaim their financial power. With a deep understanding of the unique challenges doctors face, he provides real-world strategies that cut through the noise and lead to lasting financial freedom.Follow James on Instagram A Physician’s Guide to Wealth Podcast — Brought to you by IM Wealth: Helping physicians take control of their money so they can live a purposeful life.For more resources, visit IMWealth.com.Advisory services offered through Commonwealth Financial Network®, a Registered Investment Adviser.

In this masterclass-style episode of Life Well Lived: A Physician’s Guide to Wealth, host James Nutter (fiduciary financial advisor and partner at IM Wealth) is joined by Andrew Paulson, co-founder of StudentLoanAdvice.com and a nationally recognized student loan consultant affiliated with White Coat Investor.Together with James and co-host Jeff McPherson, CFP®, Andrew breaks down the latest physician-specific student loan updates, including:How the SAVE plan changed again in 2025—and what it means for your monthly paymentsThe real implications of the One Big Beautiful Bill Act (OBBBA)PSLF updates: more accessible, or more fragile?How to decide if refinancing is right for you—or a costly mistakeThe roadmap to cleaning up your repayment strategy, no matter where you’re startingWith 130+ physicians registered for the live masterclass, this conversation reflects the most pressing questions in the physician community—like what to do if you’re stuck in limbo, how buyback might work, and what strategies actually provide clarity in a confusing system.Whether you’re in training, mid-contract, or years into repayment, this episode gives you the playbook to avoid six-figure mistakes and move toward true financial freedom.What You’ll Learn in This EpisodeWhy most doctors feel “behind” on student loans—and how to change that mindsetThe latest rules on PSLF, SAVE, and OBBBA (One Big Beautiful Bill Act)Common mistakes that delay or derail forgiveness (and how to avoid them)The decision tree for refinancing vs. forgivenessPractical tax and repayment strategies for physicians at different stagesAbout the GuestAndrew Paulson, CSLP® is the co-founder of StudentLoanAdvice.com and principal consultant affiliated with White Coat Investor. He has advised on over $1 billion in student loan debt for more than 2,900 doctors, dentists, and high-income professionals. His passion for student loan planning began with his wife’s nursing school debt, and today he helps physicians nationwide make smarter, clearer financial decisions.When he’s not coaching doctors through repayment strategies, Andrew can be found golfing, skiing, mountain biking, or spending time with his wife and three kids under five. He’s also a self-proclaimed “wannabe triathlete.”Next Steps📅 Schedule a 1:1 with Andrew at StudentLoanAdvice.com🩺 Join IM Wealth’s waiting list for a free financial wellness diagnosticAdditional Resources Download the PSLF Hacks ChecklistBook a free financial wellness session with JamesGet access to exclusive physician financial tools at www.imwealth.com1% of IM Wealth’s revenue is dedicated to providing scholarship funds to medical students. Learn more about the Meaningful Journeys Scholarship and how you can join the fight here.Learn more about the impact IM Wealth is making in the lives of physicians here.Gain FREE immediate access to all of IM Wealth’s exclusive physician financial wellness resources here.About the Show:This isn’t just another finance podcast—it’s a movement. We’re challenging the status quo, cutting through the noise, and giving physicians real strategies to take control of their money and their future. Because true wealth isn’t just about numbers—it’s about freedom.Find and follow the show on YouTube. About James Nutter:James Nutter is on a mission to help physicians reclaim their financial power. With a deep understanding of the unique challenges doctors face, he provides real-world strategies that cut through the noise and lead to lasting financial freedom.Follow James on Instagram. About Jeff McPherson:Jeff McPherson, CFP® is the founder of IM Wealth and a seasoned financial planner who has dedicated his career to helping physicians gain clarity and control over their money. With years of experience guiding high-income professionals, Jeff is known for simplifying complex financial decisions and teaching practical strategies that empower doctors to achieve long-term freedom. As a mentor and educator, he has helped shape IM Wealth’s physician-first approach, blending technical expertise with a deep understanding of the unique pressures physicians face.DisclaimerThe opinions expressed in this podcast are for informational and educational purposes only and do not constitute financial, legal, or tax advice. Any financial decisions should be made in the context of your unique circumstances and in partnership with a trusted financial advisor who understands your personal plan. A Physician’s Guide to Wealth Podcast — Brought to you by IM Wealth: Helping physicians take control of their money so they can live a purposeful life.For more resources, visit IMWealth.com.Advisory services offered through Commonwealth Financial Network®, a Registered Investment Adviser.

In this episode of Physician’s Guide to Wealth, host James reconnects with his longtime friend, Dr. Rachel Carlson. Now a pediatrician in Hawaii, an active-duty Air Force officer, and a triathlete, Dr. Carlson’s story is a masterclass in living with intention.Dr. Carlson shares how she trained for a triathlon during residency, launched a wellness program as chief resident, and learned to prioritize sleep, fitness, and financial planning while carrying the lessons of her late father, also a physician. Her journey highlights the importance of discipline, connection, and surrounding yourself with a capable team.What You’ll Learn in This EpisodeHow Dr. Carlson used fitness as a foundation for resilience during residencyWhy she believes “balance” is seasonal, not permanentThe impact of vulnerability and peer support on physician wellnessPractical approaches to sleep and habit-buildingWhy financial planning became a non-negotiable early in her careerThe freedom that comes from delegating and leaning on a strong teamAbout the GuestDr. Rachel Carlson is a pediatric physician based in Hawaii, an active-duty Air Force officer, and a triathlete. Throughout her medical training, she prioritized wellness and financial planning, even creating a residency wellness program during her time as chief resident. Dr. Carlson’s approach is rooted in intention, service, and discipline, shaped in part by the legacy of her late father, also a physician. Today, she continues to model balance in action—focusing on preventative health in her pediatric practice, maintaining her own fitness and well-being, and leading with the perspective that health is the foundation of true wealth.Resources & Next Steps:Download the PSLF Hacks ChecklistBook a free financial wellness session with JamesGet access to exclusive physician financial tools at www.imwealth.com1% of IM Wealth’s revenue is dedicated to providing scholarship funds to medical students. Learn more about the Meaningful Journeys Scholarship and how you can join the fight here.Learn more about the impact IM Wealth is making in the lives of physicians here.Gain FREE immediate access to all of IM Wealth’s exclusive physician financial wellness resources here.About the Show:This isn’t just another finance podcast—it’s a movement. We’re challenging the status quo, cutting through the noise, and giving physicians real strategies to take control of their money and their future. Because true wealth isn’t just about numbers—it’s about freedom.Find and follow the show on YouTube. About James Nutter:James Nutter is on a mission to help physicians reclaim their financial power. With a deep understanding of the unique challenges doctors face, he provides real-world strategies that cut through the noise and lead to lasting financial freedom.Follow James on Instagram. DisclaimerThe opinions expressed in this podcast are for informational and educational purposes only and do not constitute financial, legal, or tax advice. Any financial decisions should be made in the context of your unique circumstances and in partnership with a trusted financial advisor who understands your personal plan. A Physician’s Guide to Wealth Podcast — Brought to you by IM Wealth: Helping physicians take control of their money so they can live a purposeful life.For more resources, visit IMWealth.com.Advisory services offered through Commonwealth Financial Network®, a Registered Investment Adviser.

Marriage and money both require one key ingredient: maintenance.In this candid episode, James is joined in-studio by Jeff McPherson and Todd Spencer—two longtime friends and leaders who’ve navigated physician families, shifting schedules, and the messiness of real life. Together, they unpack why couples often clash about finances and how small, intentional rhythms can transform both wealth and relationships.From the “Money Love Triangle” framework to scheduling financial huddles that don’t ruin date night, this episode blends humor, honesty, and hands-on strategies. If you and your partner feel scattered, disconnected, or stuck in last-minute money talks, you’ll walk away with a fresh perspective on how to create clarity and connection without spreadsheets that kill the vibe.You’ll Learn AboutWhy marriage, money, and mindset all require consistent maintenanceThe “Money Love Triangle” and how couples can align without losing individualityThe role of risk tolerance and financial love languages in healthy communicationSimple rhythms for financial check-ins that bring peace (not pressure)Why small steps—not dramatic overhauls—are the secret to lasting changeMentioned in This EpisodeTake Control Rx Series (starting at Episode 16)Gottman Institute’s Meaning of Money frameworkThe “Money Love Triangle” exerciseAlex Hormozi’s “BAMFAM” concept: Book a Meeting From a MeetingResources & Next Steps:Download the PSLF Hacks ChecklistBook a free financial wellness session with JamesGet access to exclusive physician financial tools at www.imwealth.com1% of IM Wealth’s revenue is dedicated to providing scholarship funds to medical students. Learn more about the Meaningful Journeys Scholarship and how you can join the fight here.Learn more about the impact IM Wealth is making in the lives of physicians here.Gain FREE immediate access to all of IM Wealth’s exclusive physician financial wellness resources here.About the Show:This isn’t just another finance podcast—it’s a movement. We’re challenging the status quo, cutting through the noise, and giving physicians real strategies to take control of their money and their future. Because true wealth isn’t just about numbers—it’s about freedom.Find and follow the show on YouTube. About James Nutter:James Nutter is on a mission to help physicians reclaim their financial power. With a deep understanding of the unique challenges doctors face, he provides real-world strategies that cut through the noise and lead to lasting financial freedom.Follow James on Instagram. DisclaimerThe opinions expressed in this podcast are for informational and educational purposes only and do not constitute financial, legal, or tax advice. Any financial decisions should be made in the context of your unique circumstances and in partnership with a trusted financial advisor who understands your personal plan. A Physician’s Guide to Wealth Podcast — Brought to you by IM Wealth: Helping physicians take control of their money so they can live a purposeful life.For more resources, visit IMWealth.com.Advisory services offered through Commonwealth Financial Network®, a Registered Investment Adviser.