The Millionaires in Medicine Show

If you’re on an income-driven repayment plan and you’re not 100% sure what path you’re on, you could be walking into a six-figure mistake.Kristin sits down with Kaitlin Hile (PharmD, BCCP) to answer the student loan questions clinicians keep asking—what’s happening with SAVE, how RAP works, how recertifying income changes your payment, and how people accidentally end up in taxable loan forgiveness with a massive tax bill.Inside, you’ll hear:What’s actually replacing SAVE and what to expect with RAPThe recertification detail most people miss (tax return vs pay stub)How pre-tax moves can lower your payment (when you recertify the right way)The PSLF eligibility check that prevents “false confidence”The difference between PSLF vs taxable forgiveness, and why the tax bill shocks peopleWhether PSLF still looks safe—and the real risk most borrowers ignoreIf you’re not 100% clear on your repayment path and your total cost, don’t guess.Book a call with the Millionaires in Medicine Team and we’ll map your student loan strategy, confirm your PSLF eligibility (if relevant), and make sure you’re not set up for an ugly surprise laterLinks & ResourcesBook a coaching callPSLF Employer Search Tool (Federal Student Aid)DisclaimerThe Millionaires in Medicine Show is for educational and informational purposes only. The content shared is not intended as medical, legal, financial, or investment advice and should not be relied upon as such.

If you’re applying to PA school (or starting soon), this episode can save you years of stress and a lot of money.Kristin and Kaitlin, together with Savanna Perry of The PA Platform, break down the biggest student loan changes impacting future PAs, including what’s happening with SAVE, what the new RAP plan means, and why your program cost + debt-to-income ratio matters more than most people realize.Inside, you’ll hear:The 4 paths for student loan repayment (standard, accelerated, PSLF, taxable forgiveness)Why debt-to-income ratio should shape the school you chooseWhat it means that SAVE is going away and RAP becomes the main IDR optionHow PSLF eligibility actually works (and how to look up employers)The new borrowing caps and why PA “professional degree” status mattersPrivate student loan risks (co-signers, discharge rules, interest rates) and how to think about it smartlyLinks & Resources:Book a call with the Millionaires in Medicine Team to learn about personalized coaching, where we map your investing + student loan + income strategy into one cohesive plan.PSLF Employer Search Tool (Federal Student Aid)Marit salary data (PA/NP compensation research)Guest / Speaker InfoKaitlin Hile — clinical pharmacy specialist with specialty training in federal student loan strategy.Savanna Perry, PA-C — Dermatology PA and the founder of The PA PlatformDisclaimerThe Millionaires in Medicine Show is for educational and informational purposes only. The content shared is not intended as medical, legal, financial, or investment advice and should not be relied upon as such.

If you’re a PA, NP, PharmD, or physician and you’re not investing yet (or your “investing” is just a small 401(k) percentage), this episode is the wake-up call.Kristin breaks down the real math behind delayed investing and why medical professionals are uniquely at risk of waiting. Not because you’re doing anything “wrong,” but because time is the part of investing you can’t get back.Inside, you’ll hear:The opportunity cost most clinicians never calculate (and why it’s so expensive)A simple example showing how a 10-year delay can cost you about $1,000,000Why “I’ll start after the loans / the house / the wedding / the baby” creates a future problemThe mindset trap medicine creates after years of delayed earningWhat to focus on if you want work to be optional earlier than your 60sWant help building your money systems (and factoring in debt)?Want a personalized plan that supports your career and your money goals?Book a call with the Millionaires in Medicine Team to learn about our personalized coaching program.Grab Kristin’s free guide here: https://www.millionairesinmedicine.com/investfinancialfreedom

A “saturated market” doesn’t mean you have to settle. And randomly applying on job boards usually isn’t the fastest path to a great offer.In Episode 4, Kristin sits down with Brent Bargen from MyDermRecruiter to talk job search strategy, contract negotiation, and how clinicians can find better-fit roles (with better terms) in 2026.Inside, you’ll hearWhat the 2026 hiring market looks like and why demand is still strong for cliniciansHow recruiters see jobs before they hit public job boardsThe “non-negotiables” list to make before you apply anywhereThe compensation models that confuse clinicians most (and what to ask so you don’t get burned)Non-compete red flags, including the language that quietly expands the radiusWhen it’s worth paying for contract review and what pricing typically looks likeA smarter way to use LinkedIn so your network works for youWant a personalized plan that supports your career and your money goals?Book a call with the Millionaires in Medicine Team to learn about our personalized coaching program.Guest BioBrent Bargen has been a driving force behind myDermRecruiter’s growth and success since 2021. With a Bachelor of Science in Business Administration, focused on Finance, from the University of Missouri-Columbia, and over a decade of experience in business and management, Brent brings a unique blend of strategic insight and financial expertise. At myDermRecruiter, he focuses on improving processes, increasing efficiency, and ensuring both clients and dermatology professionals achieve their goals. Brent is passionate about helping Dermatology PAs and NPs navigate compensation and career negotiations with confidence, empowering them to make informed decisions that advance their careers.Connect with Brent:https://mydermrecruiter.comhttps://www.linkedin.com/company/mydermrecruiter-mymdrecruiter/?viewAsMember=truehttps://www.facebook.com/myDermRecruiter1/https://www.instagram.com/mydermrecruiter/https://www.tiktok.com/@mydermrecruiterhttps://x.com/myDermJobs

A job can look perfect on paper… then quietly wreck your schedule, your confidence, and your income.In Episode 3, Kristin shares the contract traps that burn medical professionals—especially PAs, NPs, PharmDs, and physicians, when they sign too fast (or ask the wrong questions).Inside, you’ll hear:The one conversation most clinicians skip before accepting an offerThe hidden “scope + pay” mismatch that leads to boredom, burnout, or bothThe contract clauses that can box you in later (even outside of clinical work)What notice periods and non-competes really mean for your lifeHow to use a job post as a red-flag detector before you commitIf you’re about to sign your first contract (or you’re switching roles) listen to this before you say yes.Want a personalized plan that supports your career and your money goals?Book a call with the Millionaires in Medicine Team to learn about our personalized coaching program.Find out if you're underpaid: https://youtu.be/RRh-XLaH4uMPrefer something you can skim before signing?I turned this episode into a free PDF called The Contract Trap that walks you through growth paths, mentorship, comp ramps, and non-compete fine print—all in one place.

Want a cash-flowing real estate strategy that actually makes sense for healthcare people?In Episode 2, Kristin sits down with Dr. Alex Schloe to unpack Residential Assisted Living (RAL)—an investing model that blends senior care impact with real estate cash flow.Inside, you’ll hear:What RAL actually is (and why it’s not the “big facility” most people imagine)The 4 ways to invest... starting from most passive to more hands-onThe part of the deal that matters more than the property (and how people mess it up)What it can cost to start, plus creative paths like seller financing and SBA financing (when applicable)The biggest pitfalls: licensing, zoning, reserves, and operator riskIf you’re a PA, NP, PharmD, or physician looking for a cash-flowing investment strategy beyond traditional rentals—this episode gives you a clear framework for getting started.Ready to build a real money plan?Book a call with the Millionaires in Medicine Team to learn about our personalized coaching program.Guest: Dr. Alexander David Schloe — Christian, husband, father, multifaceted real estate investor/entrepreneur, Air Force veteran, and family medicine physician. Host of Physicians and Properties Podcast and co-host of The RAL Room Assisted Living Podcast.Instagram: https://www.instagram.com/aschloe3/LinkedIn: https://www.linkedin.com/in/alexander-schloe-md/Facebook: https://www.facebook.com/alex.schloe

Most medical professionals feel like they’re “doing everything right” with money—so why does it still feel like you’re behind?In Episode 1, Kristin breaks down the three investing lies that keep medical professionals stuck—and how they quietly derail long-term wealth (even when you’re doing “all the right things”).Inside, you’ll hear:The most common “I’m too busy” investing trap (and what it costs long-term)The retirement math most clinicians never run until it’s too lateThe student loan move that feels smart… but can be insanely expensive over timeWhy a real money plan needs income strategy + student loan strategy + investing strategy working togetherIf you want a real money plan, you need three pieces working together: an investing system, a student loan strategy, and an income strategy built around a life-centered goal (what you want your Tuesdays to look like in 5 years).Ready for help implementing?Book a call with the Millionaires in Medicine Team to learn about personalized coaching, where we map your investing + student loan + income strategy into one cohesive plan.“Want a quick-reference version of this episode? Grab the free ‘3 Investing Lies That Are Costing You Millions’ guideA huge thank-you to WCG CPAs & Advisors for supporting this episode.They’re one of the few CPA firms that truly specialize in medical professionals — from 1099 clinicians needing entity strategy, to people navigating PSLF, backdoor Roths, and tax-efficient real estate moves.

Welcome to The Millionaires in Medicine Show—the podcast for PAs, NPs, PharmDs and other medical professionals who want to build wealth with intention, strategy, and confidence.In this trailer episode, you’ll hear what the Millionaires in Medicine Show is all about and why financial education is essential for today’s healthcare professionals. If you’ve ever felt overwhelmed by student loan debt, unsure how to invest, or frustrated that no one taught you about tax strategy or wealth building in medical training, this podcast was created for you.Each week, we break down the financial topics that matter most to high-earning medical professionals, including:Strategic student loan management for high income earnersIncome growth and professional development beyond your clinical salaryInvesting fundamentals, including stocks, bonds, and real estateTax planning strategies for high earners in medicineBuilding multiple income streams while staying aligned with your medical careerCreating long-term financial independence and generational wealthYou’ll hear honest conversations with medical professionals, investors, and financial industry experts who are navigating medicine and money at a high level—without hype, shame, or get-rich-quick schemes.The Millionaires in Medicine Show is designed for healthcare professionals who want:More control over their financesSmarter money decisionsLess stress around debt and taxesAnd a clear path to wealth that supports their life and valuesIf you’re ready to stop guessing with your money and start making strategic financial moves, you’re in the right place.🎧 Subscribe to The Millionaires in Medicine Show and start building wealth with the same intention you bring to your medical career.