Advertise on podcast: Financial Fellowship

Rating

★★★★★

from

7 reviews

Description

Physicians spend a decade training in medicine and hours on money. Financial Fellowship is built to fix that with 3 weekly episodes. A story from the history of money, the wildest ones on record, told start to finish and landed on what it's still doing to your paycheck. A real physician household's finances, taken apart and rebuilt into a ranked list of what to do first. Names changed, numbers shifted, everything else real. And straight answers on the planning decisions physicians face at mid career and beyond, from the people who work on them every day. Hosted by Ryan Inman, who spent more than a decade running a fee only planning firm exclusively for over 500 physician families. Named a Top 100 Financial Advisor in the U.S. by Investopedia, three years running. Taylor Inman, a pediatric pulmonologist, brings the physician to physician perspective. Want your own finances taken apart and rebuilt on the show? Start at financialfellowship.com. Financial Fellowship is education, not financial advice. Ryan Inman is not a licensed investment adviser and does not provide individualized recommendations. Talk to your own professionals about your own situation.

Unlock Financial Fellowship podcast Email contact info,
Listeners & Audience details

Email contact information

Direct podcast contact details

Listeners

Audience numbers & engagement insights

Audience details

Podcast Insights

Podcast episodes

Check latest episodes from Financial Fellowship podcast

The S&P Is Nearly 40% Tech

2026/10/21

Ten companies are now 40 percent of the S&P 500. Roughly $7 of every $100 you put in goes to NVIDIA alone. Techs share of the index never even reached that big during the dot com peak. Ryan and Daniel talk through what cap weighting does to a portfolio built on index funds, and whether it makes sense to tilt away from it. This podcast is for education and entertainment purposes only. Nothing mentioned is individualized financial, medical, or legal advice.

Double Up: The New Attending Waterfall

2026/10/19

The first attending paycheck changes everything, and this episode gives it an order. Ryan walks the new attending money waterfall, starting with the double up rule: live on twice your resident salary, cap it there, and let every dollar above that line flow down in a fixed order. The match, reserves, insurance, student loans, retirement accounts, then goals. Get the order right and the attending years get much simpler. This podcast is for education and entertainment purposes only. Nothing mentioned is individualized financial, medical, or legal advice.

Ophthalmologist, $4.3M net worth, zero debt, retiring in 3 years? | FHA

2026/10/16

Diane has $4.3 million, zero debt, a paid-off house, and a 95 out of 100 on her Financial Health Assessment. It is the highest score we have ever given on this show. Her question is the one that comes after you win: can she stop maxing out her retirement accounts and be done working in three years? In this episode I walk through her full assessment: what she nailed, the few points still on the table, and the moves that protect a plan this strong through the gap decade before retirement money unlocks. Want yours? financialfellowship.com/submit This podcast is for education and entertainment purposes only. Nothing mentioned is individualized financial, medical, or legal advice.

Your Mortgage Is a Bond

2026/10/14

Pay the mortgage off early, or keep it and invest the difference? Daniel Wrenne's first warning is about the advice itself: anyone who tells you to always pay it off is giving bad advice. A 3 percent mortgage from 2020 is one conversation. A 7 percent mortgage from last year is the exact opposite. We run the numbers, and the feelings, on both, after looking at the whole picture: tax shelters maxed, savings rate, the rate on the debt, and cash flow. Have a question? Send it to financialfellowship.com/submit and I'll answer it on air. This podcast is for education only. Nothing mentioned is individualized financial, medical, or legal advice.

Pediatric anesthesiologist, $990k a year, zero debt, $7.5M net worth | FHA

2026/10/09

Sean and Kate have $7.5 million, zero debt, and a 90 out of 100 on their Financial Health Assessment. They are the couple everyone wants to be. And I still found the holes. The kind that only show up when you have something worth protecting. In this episode I walk through their full assessment: what they nailed, where the gaps are, and the four moves that take a 90 to a 95. Want yours? financialfellowship.com/submit This podcast is for education and entertainment purposes only. Nothing mentioned is individualized financial, medical, or legal advice.

Mid-career portfolio cleanup

2026/10/07

Mid-career physicians often accumulate a messy collection of accounts — old 401(k)s, multiple IRAs, taxable accounts, and employer plans. In this episode, Ryan and Daniel Wrenne walk through how to clean it up: consolidating accounts, simplifying your portfolio, and making sure your investments actually match your plan. Topics covered: - Why mid-career physicians end up with scattered accounts - How to decide what to consolidate vs keep separate - Simplifying your investment lineup without losing diversification - Common mistakes when cleaning up a portfolio Full show notes at financialfellowship.com.

The 401(k) Was an Accident

2026/10/05

A physician sits down to pick her 401(k) investments. 27 fund options. Zero training for this decision. Nobody ever designed this system. It grew out of a 1978 tax provision about executive bonuses that one consultant read differently than everyone else. Ryan traces how a narrow law became America's retirement system, why pensions actually died in the 2000s (not 1981), and what the three real risks are for physicians building their retirement on this accident. Have a question? Send it to financialfellowship.com/submit and I'll answer it on air. This podcast is for education and entertainment purposes only. Nothing mentioned is individualized financial, medical, or legal advice.

The Mid Career Physician Savings Rate Illusion

2026/09/30

You tell yourself you're saving 40%. Then we open the spreadsheet and find the mortgage, the student loans, the car payment, and that 40% gets a lot smaller. This week Daniel Wrenne joins me to strip the savings rate down to what's real: what actually goes into investable assets. We cover what counts as savings (and what doesn't), why maxing out your 403(b) isn't enough at a physician income, and the one test every attending household should run, cut one clinical day on paper and see if your plan survives. We also get into building margin into your plan, Monte Carlo versus linear projections, and why the "just pick up an extra shift" button is a slippery slope. Have a question? Send it to financialfellowship.com/submit and I'll answer it on air. This podcast is for education and entertainment purposes only. Nothing mentioned is individualized financial, medical, or legal advice.

You Were Trained to Be Bad With Money

2026/09/28

You were trained to be bad with money. In 1910, the Flexner Report rebuilt American medical education around expensive lab science. It accidentally built a financial training system that teaches doctors to ignore money for 15,000 hours, then graduates them into their highest-stakes financial decade with zero preparation. Ryan traces the building: how curriculum hours, board exams, and the tuition-funded model standardized an education that contains germ theory but left out how income works, how debt behaves, and how to protect a family. The reframe is simple. It's not a you problem or a doctor problem. It's a building problem, and buildings can be remodeled. This podcast is for education and entertainment purposes only. Nothing mentioned is individualized financial, medical, or legal advice.

Orthopedic surgeon, $620k income, $14k a month nobody can find | FHA

2026/09/25

An orthopedic surgeon 2 years out of fellowship sends in the whole picture. $620,000 a year, two kids under 4, a rural property with a tractor and an orchard, $312,000 of debt costing under $5,000 a year, two own occupation disability policies, and a reported $400 a month of variable spending. I run the 6 vital signs, score it 61 out of 100, and find about $14,000 a month this household can't account for. Want yours taken apart? financialfellowship.com/submit This podcast is for education and entertainment purposes only. Nothing mentioned is individualized financial, medical, or legal advice.

Your 403(b) Is Maxed. Now What?

2026/09/23

You already maxed your 403(b) and you don't know what to do next. In this episode, Ryan Inman and Daniel Wrenne walk through the funding order for mid career physician households. From HSA to finishing with the taxable brokerage account, describing each account in between. To learn more, the written walkthrough is on our site: https://financialfellowship.com/how-to/next-dollar-funding-order/ This podcast is for education and entertainment purposes only. Nothing mentioned is individualized financial, medical, or legal advice.

Surgical subspecialist, $1.15M, $130k a year to charity, no will | FHA

2026/09/18

A surgical subspecialist earning $1.15 million sends in the most matter of fact file this show has been handed. A one bedroom apartment by choice, $33,000 saved a month, $130,000 a year given away, and not one dollar of it routed for tax. I run the 6 vital signs, score it 66 out of 100, and lay out the 5 fixes that make the systems finally match the discipline. Want yours done? financialfellowship.com/submit This podcast is for education and entertainment purposes only. Nothing mentioned is individualized financial, medical, or legal advice.

The Rise of the AI Advisor

2026/09/16

AI can sync accounts, spit out a plan, and even pass the exams that scare humans. What it still cannot do is sit with a physician household as a fiduciary: pick values when two good answers collide, keep life insurance on the table when you would rather skip it, or put your family ahead of everyone else in the model. Ryan Inman and Daniel Wrenne walk through where AI belongs (the calculator side), where it fails (accountability and duty), and how to choose: DIY, joining our membership when you want tools, or a human planner when you want someone who uses the tools and is your accountability partner and trusted advisor. Icebreakers and the AI path: https://financialfellowship.com/ai/ DIY systems: https://financialfellowship.com/unlocked/ This podcast is for education and entertainment purposes only. Nothing mentioned is individualized financial, medical, or legal advice.

Money As You Knew It Has Died

2026/09/14

Your paycheck multiplied five times overnight and the house still got further away. That's not a budgeting problem. It's a currency you were never taught to read. The story of 2008, the room where it started, and the mechanism that's been running under every offer letter since. This podcast is for education and entertainment purposes only. Nothing mentioned is individualized financial, medical, or legal advice.

Ophthalmology resident — $435k loans, 4 kids, Score 21/100 | Financial Health Assessment

2026/09/11

Melissa is in her final year of ophthalmology residency. Bryce is home full time with their four kids under 10. One income at $63,000, $435,000 in federal loans, a credit card balance, nothing saved, and a financial health score of 21 out of 100. Ryan breaks down the household numbers on air so you can learn what the workup looks like when the stakes are real. This podcast is for education and entertainment purposes only. Nothing mentioned is individualized financial, medical, or legal advice.

Podcast reviews

Read Financial Fellowship podcast reviews

5 out of 5

7 reviews

★★★★★

taytay27272727 2026/09/18

Welcome back!

Longtime listener of financial residency and happy to have Ryan’s wealth of knowledge back! I have learned so much from Ryan!

★★★★★

Junebugs35 2026/09/16

Welcome back Ryan!

Originally listened to and enjoyed Financial Residency and Money Meets Medicine. Information from those sources helped shape my financial knowledge ...

check all reviews on apple podcasts