Advertise on podcast: MONEYFITMD PODCAST

She's 50. Has a $5 million net worth. And she's still scared she'll run out of money. If that resonates, this episode is for you. Because this isn't a broke problem. This is a rich people problem. And rich people problems deserve air time too. Dr. Latifat breaks down the real questions underneath this doctor's question and why having the tension between living your life NOW and securing your future is actually a good sign, not a crisis. In this episode: Why $5M in net worth gives you ~$200K/year for 30 years and what that actually means for your plan The most important question to ask before you plan for retirement: what are you actually retiring FROM? Long-term care insurance and why naming your fear out loud is the first step to solving it  The part nobody talks about enough: faith, work, and why 100% you + 100% God is Dr. Latifat's actual retirement strategy "This is rich people problem. And that's okay because I am a rich people and I'm a person, and my problems deserve air time." 💡 Want this kind of nuanced, real conversation about YOUR money? That's what we do inside the Wealth Village. → moneyfitmd.com/wealthvillage Connect with Dr. Latifat: 💡 Instagram 👥 Facebook Group 🔗 LinkedIn 📩 Email ☎️ Book a Complimentary Call 💸 Youtube Free Resources for Women Physicians 🧳 Sabbatical Guide (Free Download) 🧠 Financial Starter Guide 💸 Money School for Women Physicians 🧬 Financial Personality Quiz Books & Programs 🔑 The Power to Choose by Dr. Latifat 📘 Done with Broke (Amazon)

New attending. Bay Area. $250K in loans. Wants a house and kids someday. Is buying a home right now the right move? Dr. Latifat got this question live and instead of just answering it, she does what she always does: she finds the real question underneath it. Because this isn't really about the house. It's about whether you're building a life by design, or quietly sliding into one by default. In this episode: Why "new attending" is one of the most financially dangerous seasons of your career The "cheat slip" test Dr. Latifat uses to check if your role model's life is actually one you want The math that will stop you in your tracksThe pandemic GI bleed story that changed how Dr. Latifat thinks about showing up to work What your kids actually remember and why it's not the house "I'm not here because I don't have a choice. I'm here because I choose to be." 💡 Ready to build wealth on your terms not just the attending default? Apply to the Wealth Village → moneyfitmd.com/wealthvillage Connect with Dr. Latifat: 💡 Instagram 👥 Facebook Group 🔗 LinkedIn 📩 Email ☎️ Book a Complimentary Call 💸 Youtube Free Resources for Women Physicians 🧳 Sabbatical Guide (Free Download) 🧠 Financial Starter Guide 💸 Money School for Women Physicians 🧬 Financial Personality Quiz Books & Programs 🔑 The Power to Choose by Dr. Latifat 📘 Done with Broke (Amazon)

"No matter what progress I'm making, when I compare myself with others, I just feel so behind." If that sentence just made you exhale, this episode is for you. Dr. Latifat addresses one of the most common thoughts she hears from women physicians, and she's not sugarcoating it. She's going straight to the root. Short, honest, and exactly what you need to hear today. In this episode: Why feeling behind doesn't mean something is wrong with youHow to use other people's progress as inspiration instead of a weapon against yourself What Dr. Latifat looked like when she entered the entrepreneurial world and why her point zero wasn't their point zero The only comparison that's actually worth making "Your point zero is not the same point zero as them. And the sooner you stop comparing yourself to others, the sooner you start letting yourself win." Ready to build wealth in a community that celebrates where you are, not where you think you should be? → moneyfitmd.com/wealthvillage Connect with Dr. Latifat: 💡 Instagram 👥 Facebook Group 🔗 LinkedIn 📩 Email ☎️ Book a Complimentary Call 💸 Youtube Free Resources for Women Physicians 🧳 Sabbatical Guide (Free Download) 🧠 Financial Starter Guide 💸 Money School for Women Physicians 🧬 Financial Personality Quiz Books & Programs 🔑 The Power to Choose by Dr. Latifat 📘 Done with Broke (Amazon)

I need $350,000 for home repairs. Should I use cash, investments, or debt? Simple question. But Dr. Latifat's answer goes somewhere most financial advisors never take you because the real problem here isn't the $350K. It never is. In this episode, she breaks down how to think through big financial decisions like this one, so you stop solving the wrong problem and start making moves that actually move the needle. In this episode: Why freedom is the first goal for every woman physicianThe truth about $350K, why the number alone means nothing without contextWhy your primary home is not an asset in the traditional sense Your spending doesn't lieWhy traditional financial education fails women physicians on decisions like this one "Freedom is one of the tools that makes you a good doctor. If you don't have options, it is harder to be a good doctor." Want to make money decisions that are actually aligned with your life and your context? That's exactly what we do inside the Wealth Village and 6 to 7. → moneyfitmd.com Connect with Dr. Latifat: 💡 Instagram 👥 Facebook Group 🔗 LinkedIn 📩 Email ☎️ Book a Complimentary Call 💸 Youtube Free Resources for Women Physicians 🧳 Sabbatical Guide (Free Download) 🧠 Financial Starter Guide 💸 Money School for Women Physicians 🧬 Financial Personality Quiz Books & Programs 🔑 The Power to Choose by Dr. Latifat 📘 Done with Broke (Amazon)

"I make 3x my soon-to-be husband. Should we combine our finances?" Dr. Latifat gets this question a lot and her answer goes way deeper than a yes or no. Because this isn't just a money question. It's a relationship question, a values question, and for many women physicians, a question that can change the entire trajectory of your life. This one is equal parts financial wisdom and pre-marital masterclass. In this episode: Why the person you marry is the second most important decision of your life Dr. Latifat's own story, she was hecka broke when she got married, and why that context matters How the level of financial intimacy reflects the level of intimacy in your relationship The warning sign too many women physicians are ignoring about unmotivated spouses Why you should absolutely consider a prenup, even if your spouse earns moreAnd if you're already married: the post-nup conversation you should be having"The level of intimacy in your finances is a reflection of the level of intimacy in your relationship, period." Want to build wealth in a way that accounts for all of this? That's what we do inside the Wealth Village. → moneyfitmd.com/wealthvillage Connect with Dr. Latifat: 💡 Instagram 👥 Facebook Group 🔗 LinkedIn 📩 Email ☎️ Book a Complimentary Call 💸 Youtube Free Resources for Women Physicians 🧳 Sabbatical Guide (Free Download) 🧠 Financial Starter Guide 💸 Money School for Women Physicians 🧬 Financial Personality Quiz Books & Programs 🔑 The Power to Choose by Dr. Latifat 📘 Done with Broke (Amazon)

Do you actually need a side gig to build wealth? Or are you just exhausted and looking at everyone else's life? Dr. Latifat got this question from a woman physician who could barely find time to breathe, let alone start something on the side. In this episode, she gives the real, honest answer. And spoiler: it's not what the internet is telling you. In this episode: Why the side gig conversation is missing one critical first question Dr. Latifat's definition of wealth and why you need your own before you do anything else Why your income is not wealth and what actually turns one into the other Why before you find a side gig, most physicians need this skill set first The GI doctor's guide to income diversification How a second income source protects you when your hospital or admin "starts acting up" The bucket analogy: how a second income stream accelerates your path to freedom"Side gigs are not required. But having a second source of income is financial wisdom, not a trend." Ready to learn how to turn your income into actual wealth first? That's exactly what we do inside 6 to 7. → moneyfitmd.com/6to7 Follow Dr. Latifat @MoneyFitMD on Instagram and Facebook Learn more at moneyfitmd.com Connect with Dr. Latifat: 💡 Instagram 👥 Facebook Group 🔗 LinkedIn 📩 Email ☎️ Book a Complimentary Call 💸 Youtube Free Resources for Women Physicians 🧳 Sabbatical Guide (Free Download) 🧠 Financial Starter Guide 💸 Money School for Women Physicians 🧬 Financial Personality Quiz Books & Programs 🔑 The Power to Choose by Dr. Latifat 📘 Done with Broke (Amazon)

If you own a practice, this episode is going to make you money. Dr. Latifat sits down with Dr. Heather, a pathologist turned medical billing expert, who built a full-service billing company after watching physicians lose money they'd already earned, without even knowing it.  In this episode, she breaks down the 5 most common billing mistakes draining private practices right now, and exactly what to fix first. You did the work. It's time to get paid for it. In this episode: Why private practice isn't deadEligibility errors at the front desk, the most common, most fixable money leak Why patients who owe you money after the fact almost never pay and how to stop it before it happens The math you have to do before hiring and why not doing it is costing you Complex denials that get "worked" but never actually resolved What $300K in recovered billing actually means when you invest it "This is money you already earned. You already did the work. Leaving it on the table is cheating yourself and your family." Connect with Dr. Latifat: 💡 Instagram 👥 Facebook Group 🔗 LinkedIn 📩 Email ☎️ Book a Complimentary Call 💸 Youtube Free Resources for Women Physicians 🧳 Sabbatical Guide (Free Download) 🧠 Financial Starter Guide 💸 Money School for Women Physicians 🧬 Financial Personality Quiz Books & Programs 🔑 The Power to Choose by Dr. Latifat 📘 Done with Broke (Amazon)

"I have med school debt, no real plan for my daughter's college, and a tuition bill I can't afford that's due now." That message landed in Dr. Latifat's inbox and she knew immediately it wasn't just one physician's story. The shame, the silence, the belief that a doctor should have all of this figured out by now. In this episode, she breaks down every thought hiding underneath that message and gives the honest, nuanced answer that no one else is willing to say out loud. Should you really be paying for your kids' college at all? In this episode: The shame spiral that keeps women physicians silent and why it compounds just like debt Why "I should have this figured out by now" is a thought error, not a factThought error #1: Rescuing your kids from debt might actually remove their drive for successThought error #2: Should parents really be expected to pay for all of college? The conversation to have with your kids right now about AI and the economic value of their majorThought error #3: Why prioritizing your kids' tuition over your retirement is a mistake The painful truth: your kid cannot borrow for your retirement, but they CAN borrow for college How paying for everything can actually create resentment in your kids later What to do right now if you're earlier in your journey and have young kids at home "We don't want the shame we've experienced to be what leads our kids and us into deeper debt in the future." Ready to build the financial foundation that changes all of this? → moneyfitmd.com/6to7 Connect with Dr. Latifat: 💡 Instagram 👥 Facebook Group 🔗 LinkedIn 📩 Email ☎️ Book a Complimentary Call 💸 Youtube Free Resources for Women Physicians 🧳 Sabbatical Guide (Free Download) 🧠 Financial Starter Guide 💸 Money School for Women Physicians 🧬 Financial Personality Quiz Books & Programs 🔑 The Power to Choose by Dr. Latifat 📘 Done with Broke (Amazon)

Dr. Latifat asked her email list one question: If you got $100,000 right now, what would you do with it? 60% said pay off debt. And honestly? It surprised her. In this episode, she breaks down what that answer reveals about where most women physicians are in their financial journey and the one pitfall she wants to make sure you avoid so it doesn't cost you your long-term freedom. In this episode: Why most financial education for women is debt-focused instead of wealth-focused The physician who spent 15 years eliminating debt and has no assets to show for it Why it's not the debt causing you pain, it's the story you're telling yourself about it The "borrow till you die" strategy the ultra-wealthy use and what it can teach us Debt freedom vs. debt free and why one of them actually creates the life you want The two mindset shifts that will change how you make financial decisions going forward"Paying off debt is not what creates freedom. Investing is what creates freedom. Buying assets is what creates freedom." Connect with Dr. Latifat: 💡 Instagram 👥 Facebook Group 🔗 LinkedIn 📩 Email ☎️ Book a Complimentary Call 💸 Youtube Free Resources for Women Physicians 🧳 Sabbatical Guide (Free Download) 🧠 Financial Starter Guide 💸 Money School for Women Physicians 🧬 Financial Personality Quiz Books & Programs 🔑 The Power to Choose by Dr. Latifat 📘 Done with Broke (Amazon)

Smart women don't figure it out alone. They just convinced themselves they should. If you've been grinding through your finances solo, exhausted, overwhelmed, and wondering why nothing is moving fast enough, this episode is Dr. Latifat's direct challenge to the story you've been telling yourself about what it means to be capable. Because doing it alone isn't badass. It's expensive. In this episode: Where the "smart women do it alone" myth actually comes fromHow doing it alone is draining your energy AND slowing down your wealth buildingThe real thought shift: wealth grows better in the right community Why the wrong community is just as dangerous as no community The Wealth Village member who was overwhelmed and the one conversation that changed everythingThe missing team member Dr. Latifat spotted that the physician couldn't see herself "We are done with the superwoman nonsense. We are here for the savvy, badass woman who is living a richer, freer life in community." Connect with Dr. Latifat: 💡 Instagram 👥 Facebook Group 🔗 LinkedIn 📩 Email ☎️ Book a Complimentary Call 💸 Youtube Free Resources for Women Physicians 🧳 Sabbatical Guide (Free Download) 🧠 Financial Starter Guide 💸 Money School for Women Physicians 🧬 Financial Personality Quiz Books & Programs 🔑 The Power to Choose by Dr. Latifat 📘 Done with Broke (Amazon)

Financial education only accounts for 0.1% of financial behavior change. 0.1%. Dr. Latifat has been saying this for years and now there's a meta-analysis of 201 studies to back it up. If you've been learning, reading, and listening to every podcast and blog but your life still isn't changing, this episode finally explains why. And more importantly, what to do instead. In this episode: The meta-analysis that validated everything Dr. Latifat has been teaching Why "bro finance" financial education was never designed for women physicians The two biggest reasons women physicians don't take actionWhy the speed of your decisions is directly tied to the speed of your wealth How the CEO Money Hour solves the time problem in one hour a week What it looks like when women go from 10 years of stuck to 12 months of results"It is not just the knowledge. Knowledge plus application is what creates wisdom. And wisdom is what creates results." 🕐 Start your CEO Money Hour → moneyfitmd.com/CEO-hour 🏘️ Ready to stop learning and start building? → moneyfitmd.com/wealthvillage Connect with Dr. Latifat: 💡 Instagram 👥 Facebook Group 🔗 LinkedIn 📩 Email ☎️ Book a Complimentary Call 💸 Youtube Free Resources for Women Physicians 🧳 Sabbatical Guide (Free Download) 🧠 Financial Starter Guide 💸 Money School for Women Physicians 🧬 Financial Personality Quiz Books & Programs 🔑 The Power to Choose by Dr. Latifat 📘 Done with Broke (Amazon)

"It's a long program. I don't know if I can commit to that." If that thought has ever kept you from saying yes to the support you actually need, this episode is for you. Dr. Latifat breaks down the two mindset shifts that will help you stop letting the length of a program stand between you and the life you want to build. And she's sharing her own numbers to prove it. In this episode: Why "it's too long" is quietly keeping you stuck and what to think instead (00:00:30)The first time Dr. Latifat hired a coach and why it terrified herHow to calculate the real return on investment of your time The woman physician who negotiated six figures more within 60 days of joining What that one negotiation compounded over 10 years actually looks like The member who solved a 50-year scarcity mindset — and what she built after The community Dr. Lati has paid for every year since 2022 and why she keeps renewing What it means to be a "kept woman", kept by yourself "You support so many people. Don't you deserve to be held?" Connect with Dr. Latifat: 💡 Instagram 👥 Facebook Group 🔗 LinkedIn 📩 Email ☎️ Book a Complimentary Call 💸 Youtube Free Resources for Women Physicians 🧳 Sabbatical Guide (Free Download) 🧠 Financial Starter Guide 💸 Money School for Women Physicians 🧬 Financial Personality Quiz Books & Programs 🔑 The Power to Choose by Dr. Latifat 📘 Done with Broke (Amazon)

You're earning $300K. So why does it feel like you have nothing left to invest? In this episode, Dr. Latifat breaks down the simple but game-changing principle that has helped women physicians max out their 401Ks, buy real estate, and invest in themselves without changing their income at all. In this episode: Why earning more money is not actually the solution The "one pot" problem — what happens when all your money has the same level of importance The client who maxed out her 401K for the first time ever — without a raise What actually counts as an investment and what doesn't How what counts as an "investment" changes with every season of life "An investment is not only when you buy a house. An investment is when you become a different version of yourself." If you’re tired of feeling like medicine is something you have to keep doing instead of something you get to choose, this workshop is for you. Connect with Dr. Latifat: 💡 Instagram 👥 Facebook Group 🔗 LinkedIn 📩 Email ☎️ Book a Complimentary Call 💸 Youtube Free Resources for Women Physicians 🧳 Sabbatical Guide (Free Download) 🧠 Financial Starter Guide 💸 Money School for Women Physicians 🧬 Financial Personality Quiz Books & Programs 🔑 The Power to Choose by Dr. Latifat 📘 Done with Broke (Amazon)

Life is not going to calm down. And waiting for it is costing you hundreds of thousands of dollars. If you've been saying "I'll get serious about my finances when things slow down" this episode is Dr. Latifat's direct, compassionate, no-fluff response to that. Because the perfect season isn't coming. And the longer you wait, the more compounding works against you instead of for you. This one will shake something loose. In this episode: The truth about kids needing you less How delaying your finances is silently costing you seven figures in compounding The smallest, lowest-energy next action you can take today  The CEO Money Hour: one hour a week that builds your entire financial futureStop waiting for the perfect season. It is not coming. What medical school can teach you about finally getting your finances done "The life you're living is the result of the actions you took months ago. If you want a different future, do something different today." 🕐 Get the free CEO Money Hour guide → moneyfitmd.com/CEO-hour  Share this episode with one woman physician who's been waiting for the right time. That time is now. Connect with Dr. Latifat: 💡 Instagram 👥 Facebook Group 🔗 LinkedIn 📩 Email ☎️ Book a Complimentary Call 💸 Youtube Free Resources for Women Physicians 🧳 Sabbatical Guide (Free Download) 🧠 Financial Starter Guide 💸 Money School for Women Physicians 🧬 Financial Personality Quiz Books & Programs 🔑 The Power to Choose by Dr. Latifat 📘 Done with Broke (Amazon)

Someone pitched you whole life insurance. And you weren't sure if you should run or sign. In this episode, Dr. Latifat finally gives her real, unfiltered opinion on whole life insurance, not from someone selling it, and not from a generic "term life only" platform. This is the nuanced truth that most women physicians never hear, broken down in a way that actually applies to your life. In this episode: Why the only people talking about whole life are usually the ones selling it The woman physician paying thousands every month in whole life — while living paycheck to paycheck Whole life as an investment vs. whole life as insurance The 5 specific situations where whole life insurance might actually make sense for youWhy the stock market will beat whole life's returns almost every time The tax-free cash value pitch and what you should be doing first before considering it Estate planning and whole life: who this actually applies to The real reason it gets pushed so hard on physicians What Dr. Latifat would rather pass on to her kids instead of $50 million"It's not whether something is good or bad. It's context. And most of the people pitching you whole life are not thinking about your context." Have questions about your own financial plan? That's exactly the kind of thing we work through inside the Wealth Village and 6 to 7.  Connect with Dr. Latifat: 💡 Instagram 👥 Facebook Group 🔗 LinkedIn 📩 Email ☎️ Book a Complimentary Call 💸 Youtube Free Resources for Women Physicians 🧳 Sabbatical Guide (Free Download) 🧠 Financial Starter Guide 💸 Money School for Women Physicians 🧬 Financial Personality Quiz Books & Programs 🔑 The Power to Choose by Dr. Latifat 📘 Done with Broke (Amazon)