Life insurance is essential for pharmacists to safeguard loved ones, cover student loans, and secure financial stability in the face of unexpected events. With significant debt and financial responsibilities, pharmacists require tailored coverage to meet their unique needs. In this episode, we tackle a listener's question about what to do once a 30-year term-life insurance policy ends. Mentioned on the Show: Submit a Question to Be Featured on Rx Money Roundup YFP Book a Discovery Call: Financial Planning Services YFP Life Insurance for Pharmacists: The Ultimate Guide Subscribe to the YFP Newsletter YFP Disclaimer

YFP Co-Founders Tim Baker and Tim Ulbrich discuss essential negotiation skills inspired by Chris Voss’s book Never Split The Difference, covering key strategies to boost your financial plan, mindset, and confidence. Summary In this episode, YFP Co-Founders Tim Baker and Tim Ulbrich have a valuable conversation on negotiation—an essential skill that impacts not only finances but also mindset and confidence. Inspired by Chris Voss's book Never Split The Difference, Tim and Tim explore negotiation techniques drawn from Voss’s experience as a former FBI hostage negotiator and break down why negotiation is vital for your financial plan, key goals, and practical strategies for navigating each step.  About Today's Guests Tim Baker is the Co-Founder and Director of Financial Planning at Your Financial Pharmacist. Founded in 2015, YFP is a fee-only financial planning firm and connects with the YFP community of 12,000+ pharmacy professionals via the Your Financial Pharmacist Podcast podcast, blog, website resources and speaking engagements.  Tim attended the United States Military Academy majoring in International Relations and branching Armor. After his military career, he worked as a logistician with a major retailer and a construction company. After much deliberation, Tim decided to make a pivot in his career and joined a small independent financial planning firm in 2012. In 2016, he launched his own financial planning firm Script Financial and in 2019 merged with Your Financial Pharmacist. Tim now lives in Columbus, Ohio with his wife (Shay), three kids (Olivia, Liam and Zoe), and dog (Benji). Tim Ulbrich is the Co-Founder and CEO of Your Financial Pharmacist. Founded in 2015, YFP is a fee-only financial planning firm and connects with the YFP community of 15,000+ pharmacy professionals via the Your Financial Pharmacist Podcast podcast, blog, website resources and speaking engagements. To date, YFP has partnered with 75+ organizations to provide personal finance education. Tim received his Doctor of Pharmacy degree from Ohio Northern University and completed postgraduate residency training at The Ohio State University. He spent 9 years on faculty at Northeast Ohio Medical University prior to joining Ohio State University College of Pharmacy in 2019 as Clinical Professor and Director of the Master’s in Health-System Pharmacy Administration Program. Tim is the host of the Your Financial Pharmacist Podcast which has more than 1 million downloads. Tim is also the co-author of Seven Figure Pharmacist: How to Maximize Your Income, Eliminate Debt and Create Wealth. Tim has presented to over 200 pharmacy associations, colleges, and groups on various personal finance topics including debt management, investing, retirement planning, and financial well-being. Mentioned on the Show Your Financial Pharmacist Book a Discovery Call Never Split the Difference: Negotiating as if Your Life Depended on It by Chris Voss SHRM (Society for Human Resource Management) Journal of Experimental Social Psychology YFP Disclaimer Ask a financial question to YFP Subscribe to the YFP Newsletter Tim Ulbrich on LinkedIn Tim Baker on LinkedIn YFP on Instagram YFP Facebook Group

In this episode, we tackle a common question: what’s the best way to create and stick to a budget? There’s no one-size-fits-all answer, so it’s about finding a method that works for you. We’ll explore three popular approaches—No Budget, the 50/30/20 rule, and more—to help you discover a budgeting style you can stick with over time. Mentioned on the Show: YFP Budget Template Submit a Question to Be Featured on Rx Money Roundup Subscribe to the YFP Newsletter YFP Disclaimer

Tim Ulbrich, YFP CEO, explores five often-overlooked areas of financial planning from credit, tax planning, emergency funds, insurance, and estate planning. Summary YFP CEO Tim Ulbrich dives into five critical—but often overlooked—areas of financial planning that deserve more attention. While these topics might not be as thrilling as investing, making big purchases, or debt reduction, they’re essential for a strong financial foundation. Tim covers the importance of: building and maintaining credit; proactive tax planning; establishing an emergency fund; reviewing health, life and disability insurance policies; and estate planning.  Learn how to give these areas the attention they deserve, helping you create a more resilient and well-rounded financial plan. About Today's Guest Tim Ulbrich is the Co-Founder and CEO of Your Financial Pharmacist. Founded in 2015, YFP is a fee-only financial planning firm and connects with the YFP community of 15,000+ pharmacy professionals via the Your Financial Pharmacist Podcast podcast, blog, website resources and speaking engagements. To date, YFP has partnered with 75+ organizations to provide personal finance education. Tim received his Doctor of Pharmacy degree from Ohio Northern University and completed postgraduate residency training at The Ohio State University. He spent 9 years on faculty at Northeast Ohio Medical University prior to joining Ohio State University College of Pharmacy in 2019 as Clinical Professor and Director of the Master’s in Health-System Pharmacy Administration Program. Tim is the host of the Your Financial Pharmacist Podcast which has more than 1 million downloads. Tim is also the co-author of Seven Figure Pharmacist: How to Maximize Your Income, Eliminate Debt and Create Wealth. Tim has presented to over 200 pharmacy associations, colleges, and groups on various personal finance topics including debt management, investing, retirement planning, and financial well-being. Mentioned on the Show Episode 380: Understanding and Improving Your Credit IRS Form 1040 (Individual Income Tax Return) YFP 309: Top 10 Tax Blunders Pharmacists Make YFP Blog: Life Insurance for Pharmacists: The Ultimate Guide YFP Blog: Disability Insurance for Pharmacists: The Ultimate Guide Caring.com 2023 Wills and Estate Planning Study Episode 310: Dusting Off the Estate Plan YFP Legacy Folder Checklist YFP Book a Discovery Call YFP Disclaimer Subscribe to the YFP Newsletter Tim Ulbrich on LinkedIn YFP on Instagram YFP Facebook Group  

In this episode, Tim Ulbrich shares his honest take on the popular Dave Ramsey 7 Baby Steps, what he thinks works and what doesn’t. Whether you’re new to these steps or already know them well, Tim reviews each step and breaks down the pros and cons from his perspective. Mentioned on the Show: Ramsey: The 7 Baby Steps Submit a Question to Be Featured on Rx Money Roundup Subscribe to the YFP Newsletter YFP Disclaimer

Nate Hedrick and David Bright unpack the latest market trends, revealing how list prices can mislead, why appraisals tell the real story, and how smart renovations and a knowledgeable realtor can unlock hidden property value. Summary In this episode, hosts Nate Hedrick and David Bright dive into the latest twists and turns of the real estate market, giving an insider’s look at the fall slowdown and what’s really going on behind those flashy list prices. They reveal why the numbers you see don’t always tell the full story—and how true market value is actually determined through appraisals that factor in key details like location, size, age, and condition. Nate and David also share their strategies for finding hidden value through smart renovations and why understanding local market trends can make or break an investment. Plus, they break down the critical role of a savvy realtor in spotting the right opportunities and navigating offers. About Today's Guests Nate Hedrick is full-time pharmacist by day, husband and father by evening and weekend, and real estate agent, investor, and blogger by late night and early morning. He has a passion for staying uncomfortable and is always on the lookout for a new challenge or a project. He found real estate investing in 2016 after his $300,000+ student loan debt lead him to read Rich Dad Poor Dad. This book opened his mind to the possibilities of financial freedom and he has been obsessed ever since. After earning his real estate license in 2017, Nate founded Real Estate RPH as a source for real estate education designed with pharmacists in mind. Since then, he has helped dozens of pharmacists around the country realize their dream of owning a home or starting their investing journey. Nate resides in Cleveland, Ohio with his wife, Kristen, his two daughters Molly and Lucy, and his rescue dog Lexi.    David Bright is a pharmacist with a heart for teaching. He’s been a full-time professor since 2009 with a passion for implementing and improving pharmacy services. Themes of “implementing and improving” in the pharmacy space are quite similar to themes of “building and fixing” in real estate, which has been a growing hobby for David and his wife, Heather, who bought their first house more than ten years ago. That fixer-upper house became a live-in house flip, which they sold a few years later, only to repeat the process with their next house. When David and Heather got sick of perpetually living in a construction zone, they pivoted to fixing up rental properties in West Michigan, where they now live.  David invests in real estate as a way to bring greater diversity to financial planning and to fund memorable life experiences with family and friends. Mentioned on the Show YFP Real Estate Investing Website Subscribe to the YFP Newsletter YFP Disclaimer YFP Real Estate Investing Facebook Group Nate Hedrick on Instagram David Bright on Instagram David Bright on LinkedIn Nate Hedrick on LinkedIn

Joe Baker, personal finance instructor, returns for inspiring conversation about purposeful living, the power of mentorship, and the enduring impact of a life well-lived. Summary In this episode, we welcome back Joe Baker, MBA for his third appearance on the show. Joe first joined us in 2019 with his former student Blake Johnson, where they shared the inspiring story of their debt-free journey, highlighting the pivotal role Joe played in Blake’s success. In 2020, Joe returned to discuss his book, Baker’s Dirty Dozen Principles for Financial Independence, sharing his expert insights on achieving financial freedom. This time, we’re shifting focus to explore the themes of living and leaving a legacy. Joe opens up about the lasting impact he hopes to make through his teaching, his book co-authored with his daughter, Lindsey, and his dedication to giving back. He shares the story behind his two endowed scholarships, demonstrating his commitment to supporting and uplifting his community.  Join us for an inspiring conversation about purposeful living, the power of mentorship, and the enduring impact of a life well-lived. About Today's Guest Joe Baker is an instructor at the University of Arkansas for Medical Sciences College of Pharmacy, where he has been teaching personal finance for over twenty-five years. He holds a Bachelor of Business Administration from Southern Arkansas University and a Master of Business Administration from the University of Central Arkansas. Joe retired in 2019 from Pharmacists Mutual Company, where he spent twenty-eight years providing insurance and financial services to pharmacists across Arkansas. As part of his commitment to giving back to the community, Joe has endowed two scholarships. The first supports students from his hometown of Emerson, Arkansas, who are enrolled at Southern Arkansas University. The second scholarship benefits students at the University of Arkansas for Medical Sciences College of Pharmacy who attended Southern Arkansas University. Joe has been a guest speaker for academic and corporate groups nationwide, promoting financial literacy. Most recently, he co-authored a book on personal finance with his daughter, Lindsey Baker, titled Baker’s Dirty Dozen Principles for Financial Independence. Published in December 2020, the book is filled with humor and stories from contributors, offering a lively and engaging introduction to personal finance. It was ranked the #1 book by “Financial Education For Everybody,” a partner of Amazon, in their Financial Literature Category, and was also recognized by GoBankingRates.com as one of the “10 Financial Books That Will Change Your Life (and Finances).” Joe and his wife Brenda reside in Little Rock, Arkansas. Mentioned on the Show YFP 082: Debt Free Theme Hour with the Teacher and Pupil YFP Episode 177: New Book: Baker’s Dirty Dozen Principles for Financial Independence I Will Teach You to be Rich by Ramit Sethi Baker’s Dirty Dozen Principles for Financial Independence Joe Baker on LinkedIn Subscribe to the YFP Newsletter Tim Ulbrich on LinkedIn YFP on Instagram YFP Facebook Group YFP Book a Discovery Call YFP Disclaimer

Tim Ulbrich, PharmD, discusses the impact of recent federal interest rates on student loans, with a focus on how these changes affect borrowers currently attending school this fall. Mentioned on the Show: Submit a Question to Be Featured on Rx Money Roundup Subscribe to the YFP Newsletter YFP Disclaimer

Tony Umholtz from First Horizon Bank returns to tackle the top 10 questions first-time home buyers often ask. This episode is brought to you by First Horizon. Summary Tony Umholtz from First Horizon Bank returns to tackle the top 10 questions first-time home buyers often ask. With over 20 years of experience in the mortgage industry, Tony covers essential topics like when it's better to buy versus rent, the various lending options available, hidden costs beyond the down payment, how student loans impact your mortgage application, and more. About Today's Guest Tony Umholtz is the Senior VP of Mortgage Banking at First Horizon. He graduated Cum Laude from the University of South Florida with a B.S. in Finance from the Muma College of Business. He then went on to complete his MBA. While at USF, Tony was part of the inaugural football team in 1997. He earned both Academic and AP All-American Honors during his collegiate career. After college, Tony had the opportunity to sign contracts with several NFL teams including the Tennessee Titans, New York Giants, and the New England Patriots. Being active in the community is also important to Tony. He has served or serves as a board member for several charitable and non-profit organizations including board member for the Salvation Army, FCA Tampa Bay, and the USF National Alumni Association. Having orchestrated over $1.1 billion in lending volume during his career, Tony has consistently been ranked as one of the top mortgage loan officers in the industry by the Scotsman’s Guide, Mortgage Executive magazine, and Mortgage Originator magazine. Mentioned on the Show YFP Home Buying Resource Page  YFP Episode 380 - Understanding & Improving Your Credit Tony Umholtz First Horizon Tony Umholtz on LinkedIn Tony Umholtz on Instagram Tim Ulbrich on LinkedIn Subscribe to the YFP Newsletter YFP on Instagram YFP Facebook Group YFP Planning: Fee-Only Financial Planning for Pharmacists YFP Disclaimer    

We all love our pets - but at what cost? YFP Co-Founders Tim Ulbrich and Tim Baker take a listener question on how to determine whether or not it makes sense to purchase pet insurance. Mentioned on the Show: Submit a Question to Be Featured on Rx Money Roundup Subscribe to the YFP Newsletter YFP Disclaimer

In this episode, YFP Co-Founders Tim Ulbrich and Tim Baker tackle a question that has not gotten a lot of attention in recent years given the rise in interest rates, which is: “Should I refinance my mortgage and when is it a good time to refinance?” Mentioned on the Show: Submit a Question to Be Featured on Rx Money Roundup Subscribe to the YFP Newsletter YFP Disclaimer

Tim Ulbrich and Tim Baker discuss the role of credit in financial planning: why it matters, how it works, what makes up a credit score, common credit misconceptions and more. Summary In this episode, Tim Ulbrich and Tim Baker discuss the role of credit in financial planning. They explore why credit matters, how it works, and how it influences important areas in your financial plan. Tim and Tim break down the factors that make up a credit score, from payment history and credit utilization to the age of credit and hard inquiries.  They also dispel common credit myths, essential strategies for protecting your credit and identity, including the importance of monitoring credit reports. About Today's Guest Tim Baker is the Co-Founder and Director of Financial Planning at Your Financial Pharmacist. Founded in 2015, YFP is a fee-only financial planning firm and connects with the YFP community of 12,000+ pharmacy professionals via the Your Financial Pharmacist Podcast podcast, blog, website resources and speaking engagements.  Tim attended the United States Military Academy majoring in International Relations and branching Armor. After his military career, he worked as a logistician with a major retailer and a construction company. After much deliberation, Tim decided to make a pivot in his career and joined a small independent financial planning firm in 2012. In 2016, he launched his own financial planning firm Script Financial and in 2019 merged with Your Financial Pharmacist. Tim now lives in Columbus, Ohio with his wife (Shay), three kids (Olivia, Liam and Zoe), and dog (Benji). Mentioned on the Show Intuit CreditKarma FICO Vantage Score YFP Book a Discovery Call YFP Disclaimer Ask a financial question to YFP Subscribe to the YFP Newsletter Tim Ulbrich on LinkedIn Tim Baker on LinkedIn YFP on Instagram YFP Facebook Group

In this episode, YFP Co-Founders Tim Ulbrich and Tim Baker dive into practical strategies for investors to navigate market volatility, especially in light of the turbulence we've experienced over the past year. They explore how to maintain a long-term perspective while acknowledging the real emotions—fear, anxiety, and uncertainty—that can arise during times of market fluctuation. Mentioned on the Show: Submit a Question to Be Featured on Rx Money Roundup Subscribe to the YFP Newsletter YFP Disclaimer

Rich Delgado, Managing Director at DLP Capital, discusses passive real estate investing, particularly for pharmacists who may want to diversify their financial portfolio. Summary In this episode, Rich Delgado, Managing Director at DLP Capital, joins hosts David Bright and Nate Hedrick to explore passive real estate investing, particularly for pharmacists who may want to diversify their financial portfolio without the hassles of hands-on property management.  Rich explains how DLP Capital aligns investments with a focus on making a positive impact, turning financial success into lasting significance. The conversation dives into DLP Capital’s three primary activities: acquiring real estate, building new developments, and providing lending solutions to other real estate operators. Rich highlights how pharmacists can participate in these opportunities to create wealth while supporting meaningful community growth. About Today's Guest Rich Delgado is DLP Capital's Managing Director of Structured Products and Capital Markets. He has been with DLP for five years, raising debt and equity into DLP to finance the building of thriving communities and successfully scaling the company to over $1.3B in equity under management and $5.5B of Assets under Management. Before joining DLP, Rich enjoyed a 25+ year career in Structured Finance, mainly with two public companies, growing them each to over $600B in mortgage servicing rights. Rich is also a longstanding and active board member of Friends of Foster Children of Palm Beach, the American Heart Association's Executives with Heart, and the DLP Positive Returns Foundation. Mentioned on the Show *Register for Aliquot Investing Webinar: “Small Investments in Big Real Estate Deals” October 7th at 9pm/EST DLP Capital  [email protected] Rich Delgado on LinkedIn Rich Delgado: [email protected] Subscribe to the YFP Newsletter YFP Disclaimer YFP Real Estate Investing Facebook Group Nate Hedrick on Instagram David Bright on Instagram YFP Real Estate Investing Website David Bright on LinkedIn Nate Hedrick on LinkedIn

Dr. Brooke Griffin, founder of Bold Idea Group, shares her career journey in pharmacy academia to launching her own coaching business.  This episode is brought to you by First Horizon. Summary In this inspiring episode, Tim Ulbrich introduces Dr. Brooke Griffin, a coach, mentor, and founder of Bold Idea Group. Dr. Griffin shares her career journey in academia to eventually launching her own business, and opens up about the challenges and triumphs of her path, including the bold steps she took and valuable lessons she has learned along the way.  This conversation is packed with practical wisdom for anyone seeking career fulfillment and personal growth. Whether you're just starting your career or looking to make meaningful changes, Dr. Griffin’s journey and insights are sure to inspire you to take bold steps toward your own growth. About Today's Guest Brooke Griffin, PharmD, BCACP is a Professor of Pharmacy Practice and Vice Chair of Clinical Services at Midwestern University College of Pharmacy, Downers Grove. With over 20 years of experience in various ambulatory care clinics, she has worked on several multidisciplinary teams and precepted hundreds of students and residents. She is a Professional Coach in Life & Work and is passionate about offering career support through a thought-provoking and creative process. She is a coach and mentor through several pharmacy organizations and speaks nationally on various professional development topics, including the importance of coaching and mentoring, time management, and work/life integration. In 2022 she launched Bold Idea Group with a mission to inspire bold ideas from within. Her motivational podcast, Today’s Bold Idea, offers a five minute inspirational boost to start your day. She is on this self-development journey alongside all of you and believes “every pharmacist deserves a coach.” Mentioned on the Show First Horizon Pharmacist Home Loan “Aliquot Investing: Small Investments in Big Real Estate Deals” Webinar on October 7th at 9pm/Eastern  Griffin B, Vest K, Pohl S, Mazan J, Winkler S. Part-time and job-share careers among pharmacy practice faculty members. Am J Pharm Educ. 2014 Apr 17;78(3):49. Destruct Yourself Podcast with Whitney Johnson Bold Idea Facebook Group Brooke Griffin LinkedIn Bold Idea Group  Today’s Bold Idea Podcast  The Pharmacist's Voice®  Looking for other episodes on pharmacist businesses or side hustles? Episode 352: Pharmacy Innovators with Kelley Carlstrom, PharmD, BCOP Episode 307: Pharmacy Innovators with Dr. Izabella Wentz (The Thyroid Pharmacist) Episode 327: Pharmacy Innovators with Dr. Natalie Park (Pharmesol) Episode 289: Building Pricklee with Pharmacy Entrepreneur Kun Yang Episode 287: Monetizing Your Clinical Expertise with Dr. Timothy Gauthier YFP Disclaimer Subscribe to the YFP Newsletter Tim Ulbrich on LinkedIn YFP on Instagram YFP Facebook Group

On this week’s episode of the Rx Money Roundup, Tim Ulbrich, PharmD and YFP Co-Founder challenges listeners to think about and define what financial success looks like for them. Mentioned on the Show: Submit a Question to Be Featured on Rx Money Roundup Subscribe to the YFP Newsletter YFP Disclaimer

Tim Baker, CFP® tackles 10 questions for those considering early retirement from sources of income, handling market volatility, health insurance options and more. Summary This week, Tim Baker, CFP®, RLP®, RICP® and Tim Ulbrich, PharmD are tackling 10 questions for those considering early retirement. They discuss sources of income in retirement, handling market volatility when no longer working, health insurance coverage options, timing to draw on Social Security, and much more. About Today's Guest Tim Baker is the Co-Founder and Director of Financial Planning at Your Financial Pharmacist. Founded in 2015, YFP is a fee-only financial planning firm and connects with the YFP community of 12,000+ pharmacy professionals via the Your Financial Pharmacist Podcast podcast, blog, website resources and speaking engagements.  Tim attended the United States Military Academy majoring in International Relations and branching Armor. After his military career, he worked as a logistician with a major retailer and a construction company. After much deliberation, Tim decided to make a pivot in his career and joined a small independent financial planning firm in 2012. In 2016, he launched his own financial planning firm Script Financial and in 2019 merged with Your Financial Pharmacist. Tim now lives in Columbus, Ohio with his wife (Shay), three kids (Olivia, Liam and Zoe), and dog (Benji). Mentioned on the Show Register for YFP webinar on October 7th at 9pm EST: Aliquot Investing: Small Investments in Big Real Estate Investing YFP Free Guide: Retirement Roadblocks: Identifying and Managing 10 Common Risks YFP Episode 291:Redefining Retirement with Professor Emeritus David Zgarrick, PhD YFP Episode 296: 5 Key Decisions for Long Term Care Insurance YFP Episode 321: Navigating Financial Conversations with Aging Parents Social Security  YFP Book a Discovery Call YFP Disclaimer Subscribe to the YFP Newsletter Tim Ulbrich on LinkedIn Tim Baker on LinkedIn YFP on Instagram YFP Facebook Group

On this week’s episode of the Rx Money Roundup, YFP Co-Founders, Tim Ulbrich and Tim Baker, take a question from Jacob in Cincinnati, OH: "How should I prioritize investing if my employer doesn't have a 401(k) match?" Mentioned on the Show: Submit a Question to Be Featured on Rx Money Roundup Subscribe to the YFP Newsletter YFP Disclaimer

Kamren Gallon, PharmD shares how he is able to successfully flip and sell houses, the importance of mentors, and how he balances his real estate investments with his pharmacy career. Summary Kamren Gallon, PharmD returns to the show and shares his journey from flipping six to eight houses a year to 20-25 houses a year, emphasizing the importance of having a mentor. He also discusses the benefits of owner financing and how he balances his real estate investments with a full-time pharmacy career. About Today's Guest Kamren Gallon is a 3rd generation entrepreneur.  He was introduced to real estate at a very early age.  His father was a landlord in North Philadelphia and one day his life was tragically taken by a tenant.  After this life changing event, Kamren was very eager to go into the medical field.  After graduating pharmacy school from Hampton University in 2013, he spent the first few years of his career working overnight.  It wasn't until 2017 after being robbed in the pharmacy that he realized one source of income was not enough.  Shortly after that incident, Kamren put his childhood fears behind him and started to invest in real estate.  Kamren has successfully flipped and sold over 100 homes along with owning a 7 figure rental portfolio while working full time as a pharmacist and being a single father.  He is currently on a mission to inspire and teach other busy professionals how to achieve the same level of success so they can also reach financial freedom through real estate investing. Mentioned on the Show YFP Real Estate Investing Webinar: Syndication 101 on October 7 at 9pm/E Aliquot Group Doctor Flipper  Kamren Gallon on Instagram The 10x Rule by Grant Cardone Subscribe to the YFP Newsletter YFP Disclaimer YFP Real Estate Investing Facebook Group Nate Hedrick on Instagram David Bright on Instagram YFP Real Estate Investing Website David Bright on LinkedIn Nate Hedrick on LinkedIn

Gathering wisdom from his own journey and those of many other pharmacists, Tim Ulbrich, YFP CEO, shares ten moves that are key in building a strong financial foundation. Summary YFP CEO and Co-Founder, Tim Ulbrich, distills the lessons learned from his own financial journey and from speaking with thousands of pharmacists about their financial plans into a list of ten moves that are key in building a strong financial foundation.  Whether you’re just getting started and have the opportunity to build a strong foundation from the beginning or you’ve been at it for a while and sense the need to reinforce that foundation, this week’s episode is for you. About Today's Guest Tim Ulbrich is the Co-Founder and CEO of Your Financial Pharmacist. Founded in 2015, YFP is a fee-only financial planning firm and connects with the YFP community of 15,000+ pharmacy professionals via the Your Financial Pharmacist Podcast podcast, blog, website resources and speaking engagements. To date, YFP has partnered with 75+ organizations to provide personal finance education. Tim received his Doctor of Pharmacy degree from Ohio Northern University and completed postgraduate residency training at The Ohio State University. He spent 9 years on faculty at Northeast Ohio Medical University prior to joining Ohio State University College of Pharmacy in 2019 as Clinical Professor and Director of the Master’s in Health-System Pharmacy Administration Program. Tim is the host of the Your Financial Pharmacist Podcast which has more than 1 million downloads. Tim is also the co-author of Seven Figure Pharmacist: How to Maximize Your Income, Eliminate Debt and Create Wealth. Tim has presented to over 200 pharmacy associations, colleges, and groups on various personal finance topics including debt management, investing, retirement planning, and financial well-being. Mentioned on the Show YFP Financial Fitness Test YFP Podcast 376: From Student Debt to Financial Freedom: How Brandon Paid Off $160k YFP Podcast 375: Breaking New Ground: Emmanuel Ayanjoke’s Vision for Altev Community Pharmacy  YFP Podcast 365:Millionaire Theme Hour: From $0 to 7 Figure Pharmacist Rich Dad Poor Dad by Robert Kiyosaki I Will Teach You to Be Rich by Ramit Sethi The Millionaire Next Door by Tom Stanley Money Master the Game by Tony Robbins Seven Figure Pharmacist by Tim Church & Tim Ulbrich Studentaid.gov YFP Toolbox YFP Life Insurance for Pharmacists: The Ultimate Guide YFP Disability Insurance for Pharmacists: The Ultimate Guide The Go-Giver by Bob Burg YFP Book a Discovery Call YFP Disclaimer Subscribe to the YFP Newsletter Tim Ulbrich on LinkedIn YFP on Instagram YFP Facebook Group

On this week’s episode of the Rx Money Roundup, YFP Co-Founder and CEO Tim Ulbrich, PharmD, discusses the point at which your savings should outearn your income as a pharmacist. Mentioned on the Show: BLS Pharmacist Data Submit a Question to Be Featured on Rx Money Roundup Subscribe to the YFP Newsletter YFP Disclaimer

Brandon Gerleman, PharmD shares the strategy for how he paid off $160k of debt. This episode is brought to you by APhA. Summary Brandon Gerleman, a 2017 pharmacy graduate from the University of Iowa, shares his journey of paying off $160k of debt through not one, not two, but five refinances along the way. Brandon discusses his repayment strategy, why he decided for a more aggressive loan payoff, and what’s next for him and his family. He emphasizes the importance of living within your means, being aware of finances, and the impact of interest rates on repayment strategies. Brandon and his wife are now looking toward the future and he shares what other financial goals they are preparing for. About Today's Guest Brandon Gerleman, PharmD is a 2017 graduate of the University of Iowa College of Pharmacy. He currently works as a Senior Product Manager on the Pharmacy Product Team at Outcomes, where he manages products to help pharmacists practice at the top of their training and provides tools to help drive pharmacy campaigns and increase efficiencies. After graduating in 2017 with $161,000 in student loan debt, he paid it off in May 2024. Brandon and his wife, Mariah, have 2 children and live in a rural community in Iowa. He enjoys spending time with his family, golfing, and watching Iowa Hawkeye football. Mentioned on the Show Brandon Gerleman on LinkedIn APhA Membership Discount with coupon code YFP Tim Ulbrich on LinkedIn YFP on Instagram YFP Facebook Group Your Financial Pharmacist YFP Disclaimer YFP Newsletter

On this week’s episode of the Rx Money Roundup, YFP Co-Founders, Tim Ulbrich and Tim Baker, discuss how potential interest rate cuts this September could impact you and your financial plan. Mentioned on the Show: Submit a Question to Be Featured on Rx Money Roundup Subscribe to the YFP Newsletter YFP Disclaimer

Greg Zinis, PharmD, shares his journey into investing in real estate in and around his town of Norfolk, Virginia. Summary In this episode, Greg Zinis, PharmD shares his journey into investing in real estate in and around his town of Norfolk, Virginia. From buying his first property in 2010, a rental in Virginia Beach, to earning his Realtor’s license in 2024, Greg has expanded further into real estate investing. He also discusses the importance of his philanthropic goals. About Today's Guest Gregory Zinis was born and raised in the vibrant landscapes of Michigan, where his youth was filled with soccer games, hunting excursions, fishing trips, snowboarding adventures, and garage-building projects. Immersed in the state's rich outdoor culture, he developed a profound appreciation for adventure and craftsmanship. He pursued preliminary courses at Northern Michigan University before earning his Doctor of Pharmacy degree from Ferris State University. With a vision of escaping to a larger, sunlit city with surfing opportunities, he found his new home in Virginia. Since 2009, Gregory has made a significant impact as a community pharmacist in Hampton Roads, where he has diligently supported patients with prescriptions, vaccines, health tests, and comprehensive medication therapy management. In 2010, he embarked on a new journey by purchasing his first home, which has been a versatile asset, serving as his primary residence as well as both short-term and long-term rental. In his personal life, Gregory met and married his wife, Ashley, and together they have a bustling household of four children, two dogs, and two cats. During the pandemic, Gregory took a strategic year off amidst a company downsizing, which provided him with the opportunity to delve deeply into real estate and undertake a renovation of his primary residence in Ocean View, Norfolk. This transformative experience ignited a passion for real estate, leading him to earn his Realtor license in 2024. Now, Gregory is dedicated to helping others navigate the exciting journey of home ownership with the same enthusiasm and expertise that have defined his career. Mentioned on the Show Greg Zinis on LinkedIn Subscribe to the YFP Newsletter YFP Disclaimer YFP Real Estate Investing Facebook Group Nate Hedrick on Instagram David Bright on Instagram YFP Real Estate Investing Website David Bright on LinkedIn Nate Hedrick on LinkedIn

Tim Ulbrich interviews Emmanuel Ayanjoke, PharmD, on his journey to opening an independent pharmacy in Avondale, tackling challenges with vision, risk-taking, and community care. This episode is brought to you by First Horizon. Summary In this inspiring episode, Tim Ulbrich interviews Emmanuel Ayanjoke, R.Ph, PharmD, MBA, a third-generation pharmacist with a passion for community care. Emmanuel shares his remarkable journey to opening an independent pharmacy in Avondale, Cincinnati. Driven by a desire to make a difference, he pursued a pain management and palliative care fellowship, gaining invaluable entrepreneurial experience along the way. Through the support of Project Oasis, a McKesson initiative aimed at addressing pharmacy deserts, Emmanuel was able to turn his vision into reality. Despite facing significant financial challenges, including high student loan debt, Emmanuel underscores the importance of calculated risk-taking and the power of strong relationships. Emmanuel offers insights into the future of independent pharmacy and how he has strategically aligned his personal and business financial plans to achieve his goals. This episode is a must-listen for anyone interested in the evolving landscape of independent pharmacy and the bold steps required to succeed. About Today's Guest Dr. Emmanuel (Manny) Ayanjoke, R.Ph, PharmD, MBA is the proud owner of Altev Community Pharmacy in Cincinnati, Ohio. A graduate of University of Toledo College of Pharmacy, Dr. Manny has spent over 5 years serving various communities as a dedicated pharmacist. Before opening Altev, he worked at Ziks Family Pharmacy, honing his skills, and understanding the vital role of pharmacists in community health. His work as a clinical pharmacist at Ziks had notable success and he was featured as a keynote panelist at the American Pharmacist Association (APhA) 2022 conference. Alongside his clinical role at ZIKS Family Pharmacy, Dr Manny completed a fellowship in pain management and palliative care fellow at Cedarville University where he engaged in teaching, research, patient care, as well as creation of innovative ways to advance pharmacy practice. Mentioned on the Show Emmanuel Ayanjoke LinkedIn Altev Community Pharmacy Project Oasis NCPA Survey  The Dip by Seth Godin Tim Ulbrich on LinkedIn YFP on Instagram YFP Facebook Group Your Financial Pharmacist YFP Disclaimer YFP Newsletter

On this week’s episode of the Rx Money Roundup, YFP Co-Founders Tim Ulbrich and Tim Baker discuss what the data has to say about the purchasing power of a pharmacist’s salary and whether or not it’s eroding to inflation and stagnant wages. Mentioned on the Show: Submit a Question to Be Featured on Rx Money Roundup Subscribe to the YFP Newsletter YFP Disclaimer

In this episode of the Pharmacy Innovators series hosted by Dr. Corrie Sanders, we meet Dr. Aaron Emmel, a pharmacist with a diverse career path.  This episode is brought to you by YFP+. Summary In this latest episode of the Pharmacy Innovators series hosted by Dr. Corrie Sanders, we meet Dr. Aaron Emmel, a pharmacist with a diverse career path.  Dr. Emmel shares how open doors and opportunities led him on a journey from a community pharmacist to executive health system leadership and the pharmaceutical industry to entrepreneurship. With many lessons learned along the way, Dr. Emmel reflects on trusting his intuition, leaning on mentors, working hard and staying curious. Throughout his journey, he explored other income streams, including real estate investing, consulting and eventually launching Pharmacy Tech Scholar, an online education program for pharmacy technicians.  Dr. Emmel’s career journey exemplifies the extraordinary versatility and potential of a PharmD. About Today's Guest Aaron Emmel graduated with his Doctor of Pharmacy Degree from the University of Florida in 2007. After a short stint as a staff pharmacist at Walgreens, he was afforded an opportunity to work as a clinical pharmacist at his local community hospital. He developed a passion for critical care medicine and spent years as the dedicated ICU pharmacist. In 2015, he earned his Masters in Healthcare Administration from the University of North Florida. With a goal of moving into executive health system leadership, he transitioned into a role as the Director of the Clinically Integrated Network and ACO owned by the hospital and local physicians. He served in this role until 2018, when he made the decision to transition into the pharmaceutical industry where we worked in Medical Affairs roles until his decision to end employment in 2024.  Aaron launched his first business, SmarterMeds, in 2010. Focusing on MTM services, he learned many lessons on entrepreneurship and business before abandoning the effort in 2012. He first began consulting in 2014, and significantly increased this work following his departure from the hospital in 2018. In 2020, he launched Pharmacy Tech Scholar, an online education program for individuals interested in becoming certified pharmacy technicians. He also invests in real estate. Aaron has been married to his high school sweetheart, Allison, since 2010. They have two amazing daughters, aged 8 and 11. In his spare time, Aaron loves traveling with the family, fishing, exercising, and fueling his coffee obsession. Mentioned on the Show YFP+ https://pharmacytechscholar.com https://themedicineguy.com  Aaron Emmel, PharmD on LinkedIn Dr. Emmel on X Corrie Sanders, Huna Health on Instagram Subscribe to the YFP Newsletter YFP Planning Tim Ulbrich on LinkedIn YFP on Instagram YFP Facebook Group Your Financial Pharmacist YFP Disclaimer YFP Newsletter

This week, Tim Ulbrich, PharmD, and Tim Baker, CFP®, RLP®, RICP®, discuss a question from the YFP community raised during a recent webinar: "What are the best ways to plan for healthcare costs in retirement?" Mentioned on the Show: Submit a Question to Be Featured on Rx Money Roundup Subscribe to the YFP Newsletter YFP Disclaimer YFP 329: Medicare Selection & Optimization YFP 296: 5 Key Decisions for Long-Term Care Insurance YFP Blog: Why I’m Not Using My Health Savings Account (HSA) for Medical Expenses

Nate Hedrick, the Real Estate RPh, discusses six key steps in the homebuying process for first time buyers. This episode is brought to you by Real Estate RPh. Summary Nate Hedrick, the Real Estate RPh, joins the show to talk about the pharmacist’s playbook to buying your first home. He discusses six key steps in the homebuying process including: How to determine if you’re ready to buy Getting clear on what is most important in a home purchase Key individuals to have on your homebuying team Factors to consider in choosing a loan What is/not negotiable in today’s market What to know when it comes to inspections, insurance, and closing About Today's Guest Nate Hedrick is full-time pharmacist by day, husband and father by evening and weekend, and real estate agent, investor, and blogger by late night and early morning. He has a passion for staying uncomfortable and is always on the lookout for a new challenge or a project. He found real estate investing in 2016 after his $300,000+ student loan debt lead him to read Rich Dad Poor Dad. This book opened his mind to the possibilities of financial freedom and he has been obsessed ever since. After earning his real estate license in 2017, Nate founded Real Estate RPH as a source for real estate education designed with pharmacists in mind. Since then, he has helped dozens of pharmacists around the country realize their dream of owning a home or starting their investing journey. Nate resides in Cleveland, Ohio with his wife, Kristen, his two daughters Molly and Lucy, and his rescue dog Lexi.  Mentioned on the Show New York Times Rent vs Buy Calculator Real Estate RPh YFP Find an Agent YFP Homebuying Quick Start Guide YFP Real Estate Investing Podcast Episode 124: Insurance Updates and Scaling a Business with Bryan Neal YFP Podcast Episode 361: Four Timely Questions for Homebuyers YFP Podcast Episode 353: Avoiding the Trap of House Poor: Evaluating the True Cost of Home Ownership  YFP Podcast Episode 348: 2024 Housing Market Trends, Buy Now vs. Wait, & Assumable Rate Mortgages YFP Disclaimer Subscribe to the YFP Newsletter Tim Ulbrich on LinkedIn YFP on Instagram YFP Facebook Group YFP Real Estate Investing Facebook Group Nate Hedrick on Instagram Nate Hedrick on LinkedIn  

In the book The Millionaire Next Door, Dr. Tom Stanley writes: “One of the reasons that millionaires are economically successful is that they think differently.” So what is it that makes millionaires think the way they do and how can we learn to share a similar perspective? Tim Ulbrich, YFP Co-Founder and CEO, breaks down the mindset of millionaires as shared in The Millionaire Next Door and how we can use Dr. Stanley’s observations to help us on our path toward financial success and freedom. Mentioned on the Show: The Millionaire Next Door by Dr. Tom Stanley Submit a Question to Be Featured on Rx Money Roundup YFP Fee-Only Financial Planning Subscribe to the YFP Newsletter YFP Disclaimer

Tim Ulbrich, YFP CEO, talks with the five recipients of the first YFP Gives scholarships. Summary This episode is filled with inspiration as we share the stories of the five winners of the first YFP Gives scholarship. Let this episode be a ray of sunshine amidst some of the cloudy skies plaguing the pharmacy profession. If the future is in the hands of these outstanding students and new practitioners, then the future is bright. In this episode, you’ll meet:  Alyssa Falleni, clinical pharmacist who specializes in addiction treatment, HCV, and HIV and is currently working in HIV outpatient care at Hartford Healthcare Momitul Talukdar, who after working in the radiology department at a hospital, discovered her calling as a nuclear pharmacist. Momi currently works at PETNET in Cleveland, OH Perrigrine Garner, a pharmacy student at the University of Toledo with a passion for helping those in need and a dream of owning an independent pharmacy that caters to those with chronic medical conditions and disabilities Ruth Adeyemi, a fourth-year PharmD/MPH Nigerian International student at the University of Florida College of Pharmacy and College of Public Health and Health Professions, with a deep-rooted commitment to improving health outcomes in underserved communities, particularly in her home country, Nigeria. Ai Len Nguyen Phan, a Rutgers Industry Fellow at Roche Genentech in San Francisco, with a desire to work in medical affairs and give back to the pharmacy community through her mentorship to the Rutgers pharmacy students About Today's Guests Alyssa Falleni is a clinical pharmacist who specializes in addiction treatment, HCV, and HIV. After graduating from the University of Rhode Island, Alyssa went on to complete an ambulatory care residency at Hennepin Healthcare in Minneapolis, MN. Following residency, Alyssa completed a two-year VA Advanced Fellowship in Health Professions' Education, Evaluation, and Research (HPEER) at the VA in West Haven, Connecticut. She will be continuing her teaching with the Yale School of Medicine as she begins a new HIV specialty position with Hartford Healthcare. Momi Talukdar, MS, PharmD Candidate 2024 is a graduate of Northeast Ohio Medical University College of Pharmacy. She's an incoming nuclear pharmacist at PETNET in Cleveland, OH. Along with her passion for nuclear pharmacy, she loves teaching nuclear pharmacy as an adjunct faculty at University of Wisconsin LaCrosse. In her spare time, Momi enjoys watching new films and art shows and trying out local coffee shops. Ai Len (Aileen) Nguyen Phan is a second-year Rutgers Pharmaceutical Industry Fellow at Genentech, Inc. - Rare Blood Disorders Medical Science Liaison. She graduated from the University of Maryland, School of Pharmacy with her Pharm.D. and M.S. in Regulatory Sciences in 2023. She supported the US Medical Information & Communication Target Therapies teams during the first year of her fellowship. While Aileen has just recently started her industry career, she continues to give back to the pharmacy community through her mentorship to the Rutgers pharmacy students, such as supporting their scientific research on using artificial intelligence to assess oncology treatments. Perrigrine Garner, a non-traditional student, and mother of three amazing daughters, is currently a P4 at the University of Toledo's College of Pharmacy and Pharmaceutical Sciences. Perrigrine is passionate about advocating for people with disabilities, especially in healthcare, as she is also a person with physical disabilities. Upon graduation, her dream is to help advance inclusivity in her community by opening an independent pharmacy that caters to those with chronic medical conditions and disabilities.  Ruth Adeyemi, a fourth-year PharmD/MPH Nigerian International student at the University of Florida College of Pharmacy and College of Public Health and Health Professions. Her journey in pharmacy is fueled by a deep-rooted commitment to improving health outcomes in underserved communities, particularly in my home country, Nigeria. With this passion, she started The Compassionate Pharmacy Practice Project (TCPPP), a project dedicated to transforming the Nigerian pharmacy practice system. The goal is to ensure that Good Pharmacy Practice (GPP) and Compassionate Care are not just concepts but realities in both urban and rural areas, significantly improving health outcomes in these communities. While Ruth is Nigerian, her commitment to improving health equity in underserved communities extends beyond borders. She is dedicated to her goal of ensuring that all patients, regardless of their neighborhood and built environment, receive the patient-centered, optimal, and compassionate care they deserve. Mentioned on the Show YFP Gives Ruth Adeyemi LinkedIn Alyssa Falleni LinkedIn Perrigrine Garner LinkedIn Momitul Talukdar LinkedIn Ruth Adeyemi Links:  https://sarmlife.com/  Books [Mastering the Art of Blogging for Your Brand] [Mastering the Art of SEO for Brand Growth] [Book Bundle - Discounted Price for purchasing both books] YFP Disclaimer Subscribe to the YFP Newsletter Tim Ulbrich on LinkedIn YFP on Instagram YFP Facebook Group  

Tim Ulbrich, PharmD and Tim Baker, CFP®, RLP®, RICP® tackle a question received from a pharmacist on how confident we should or shouldn’t be in planning on social security benefits as a part of our retirement planning.  Mentioned on the Show: Submit a Question to Be Featured on Rx Money Roundup YFP Fee-Only Financial Planning Subscribe to the YFP Newsletter YFP Disclaimer

Tim Ulbrich, YFP Co-Founder and CEO shares five wealth-building strategies to include in your own financial plan. Summary In this episode, Tim Ulbrich, YFP Co-Founder and CEO, shares five wealth-building strategies you can incorporate into your own financial plan. Drawing from his own financial journey, these strategies have been tested, refined, and used by Tim and his wife, Jess. From setting savings goals to tracking net worth monthly to increasing your financial IQ, Tim makes setting up your financial path for success more attainable. About Today's Guest Tim Ulbrich is the Co-Founder and CEO of Your Financial Pharmacist. Founded in 2015, YFP is a fee-only financial planning firm and connects with the YFP community of 15,000+ pharmacy professionals via the Your Financial Pharmacist Podcast podcast, blog, website resources and speaking engagements. To date, YFP has partnered with 75+ organizations to provide personal finance education. Tim received his Doctor of Pharmacy degree from Ohio Northern University and completed postgraduate residency training at The Ohio State University. He spent 9 years on faculty at Northeast Ohio Medical University prior to joining Ohio State University College of Pharmacy in 2019 as Clinical Professor and Director of the Master’s in Health-System Pharmacy Administration Program. Tim is the host of the Your Financial Pharmacist Podcast which has more than 1 million downloads. Tim is also the co-author of Seven Figure Pharmacist: How to Maximize Your Income, Eliminate Debt and Create Wealth. Tim has presented to over 200 pharmacy associations, colleges, and groups on various personal finance topics including debt management, investing, retirement planning, and financial well-being. Mentioned on the Show Toolbox: https://yourfinancialpharmacist.com/toolbox  YFP Planning The Millionaire Next Door by Tom Stanley YFP Compound Interest Calculator YFP Podcast Episode 351: Legacy Planning 101: How to Build Your Legacy Folder and Why It’s Important The Compound Effect by Darren Hardy YFP Disclaimer Subscribe to the YFP Newsletter Tim Ulbrich on LinkedIn YFP on Instagram YFP Facebook Group

Tim Ulbrich, PharmD and Tim Baker, CFP®, RLP®, RICP® discuss a recent USA Today article titled, “Do we really need $1M in retirement savings? Not even close, one top economist says.” Mentioned on the Show: USA Today Article: “Do we really need $1M in retirement savings? Not even close, one top economist says” Survey of Household Economics and Decisionmaking, Board of Governors of the Federal Reserve System Submit a Question to Be Featured on Rx Money Roundup Subscribe to the YFP Newsletter YFP Disclaimer  

Bryan Neal, insurance agent, talks about the shifts in the insurance landscape and what real estate investors should consider to make sure their investments are protected. Summary Bryan Neal, insurance agent, returns to the YFP Real Estate Investing Podcast to talk about the shifts in the insurance landscape after COVID and what real estate investors should consider to protect themselves and their properties. He also shares his journey growing his own insurance business. About Today's Guest Bryan Neal, originally from Jonesboro, Arkansas, earned his bachelor’s degree from the University of Arkansas in Fayetteville. His career in the insurance industry began with a State Farm Agency, where he discovered his passion for the field. After a brief tenure with Farm Bureau, Bryan co-founded NRG Insurance. In 2021, Bryan sold NRG as he transitioned to launching a new agency, Treblestone Insurance. Bryan and his wife, Rachel, welcomed their son, Nathan, in November 2020, and their daughter, Emma, in 2024. Bryan continues to expand Treblestone Insurance, with current focused marketing efforts in Tennessee. Mentioned on the Show YFP Real Estate Investing Podcast #14: Protecting Your Investments TrebleStone Insurance TrebleStone on Instagram TrebleStone on Facebook Subscribe to the YFP Newsletter YFP Disclaimer YFP Real Estate Investing Facebook Group Nate Hedrick on Instagram David Bright on Instagram YFP Real Estate Investing Website David Bright on LinkedIn Nate Hedrick on LinkedIn

Tim Baker, CFP and YFP Director of Planning answers questions from the YFP community on saving and preparing for retirement. This episode is brought to you by First Horizon. Summary Planning and preparing for retirement can feel overwhelming. In this episode, Tim Baker, CFP®, RICP®, RLP®, makes the steps to planning for retirement more manageable. He answers three questions from the YFP community on retirement planning, including: How to determine the optimal amount to save for retirement Strategies for dealing with market downturns during retirement How different investment options impact retirement savings This episode is brought to you by First Horizon. About Today's Guest Tim Baker is the Co-Founder and Director of Financial Planning at Your Financial Pharmacist. Founded in 2015, YFP is a fee-only financial planning firm and connects with the YFP community of 12,000+ pharmacy professionals via the Your Financial Pharmacist Podcast podcast, blog, website resources and speaking engagements.  Tim attended the United States Military Academy majoring in International Relations and branching Armor. After his military career, he worked as a logistician with a major retailer and a construction company. After much deliberation, Tim decided to make a pivot in his career and joined a small independent financial planning firm in 2012. In 2016, he launched his own financial planning firm Script Financial and in 2019 merged with Your Financial Pharmacist. Tim now lives in Columbus, Ohio with his wife (Shay), three kids (Olivia, Liam and Zoe), and dog (Benji). Mentioned on the Show First Horizon’s Pharmacist Home Loan Die with Zero by Bill Perkins YFP Retirement Planning Series (Episodes 272-275): YFP Episode 272: How Much is Enough? (Retirement Planning) YFP Episode 273: Alphabet Soup of Retirement Accounts (Retirement Planning) YFP Episode 274: Risk Tolerance vs Capacity (Retirement Planning) YFP Episode 275: How to Build a Retirement Paycheck (Retirement Planning) YFP Episode 305: Understanding Annuities: A Primer for Pharmacists YFP Free Guide: Retirement Roadblocks: Identifying and Managing 10 Common Risks The Power of Working Longer (2018, Stanford Institute for Economic Policy Research)  YFP Book a Discovery Call YFP Disclaimer Subscribe to the YFP Newsletter Tim Ulbrich on LinkedIn YFP on Instagram YFP Facebook Group Tim Baker on LinkedIn

Sean Richards, CPA and Director of YFP Tax, talks about the 10 common tax blunders he saw and how to remedy those mistakes to optimize taxes in the year ahead. Summary July might not seem like the time of year to think about your taxes, but for Sean Richards, CPA and Director of YFP Tax, it’s a great time to make projections for the year ahead and remedy any blunders from last year’s return.  Reviewing 10 common mistakes he saw made with taxes in 2023, Sean breaks down ways to optimize your tax plan from utilizing HSAs, to adjusting withholdings, to making sure any side-income is planned for appropriately. Sean’s biggest piece of advice: planning ahead can help avoid these mistakes and can optimize your tax situation. About Today's Guest Sean Richards, CPA, received his undergraduate degree in Corporate Finance and Accounting, as well as his Master of Accountancy, from Bentley University in Waltham, MA. Sean has been a Certified Public Accountant (CPA) since 2015 and is currently pursuing his Enrolled Agent certification. Prior to joining the YFP team, Sean was the Senior Treasury Manager at PRA Group, a global debt buyer based in Norfolk, VA. He began his career at American Tower Corporation where, over 10 years, he held several positions in audit, treasury and accounting. As the Director of YFP Tax, Sean focuses on broadening the company’s existing tax planning and preparation operations, as well as developing and launching new accounting offerings, including bookkeeping, payroll, and fractional CFO services. Mentioned on the Show YFP Podcast 165: The Power of a Health Savings Account YFP Blog: Why I’m Not Using My Health Savings Account to Pay for Medical Expenses YFP Tax - www.yfptax.com  Your Financial Pharmacist Your Financial Pharmacist on Facebook  Your Financial Pharmacist on Instagram Tim Ulbrich on LinkedIn Sean Richards on LinkedIn YFP Disclaimer YFP Newsletter

Tim Baker helps parents navigate saving for their child’s college education, from projecting costs and balancing goals to 529 plans.   This episode is brought to you by First Horizon. Summary Most parents desire to contribute toward their child’s college tuition; however, knowing how much to save and plan for can be a bit of a moving target. How much is enough to save for college? Tim Baker, YFP Co-Founder and Director of Financial Planning, lays out the financial roadmap to help parents navigate the complexities of college savings. Tim emphasizes the importance of prioritizing college savings, projecting future costs, and balancing these savings with other financial goals. He also breaks down the benefits of starting early and making consistent contributions to make the goal more attainable. Learn more about education savings options, including 529 plans and Coverdale education savings accounts. Tim also shares the ⅓ rule for funding college education that listeners may find make the reality of saving for their child’s future education more attainable.  This episode is brought to you by First Horizon. About Today's Guest Tim Baker is the Co-Founder and Director of Financial Planning at Your Financial Pharmacist. Founded in 2015, YFP is a fee-only financial planning firm and connects with the YFP community of 12,000+ pharmacy professionals via the Your Financial Pharmacist Podcast podcast, blog, website resources and speaking engagements.  Tim attended the United States Military Academy majoring in International Relations and branching Armor. After his military career, he worked as a logistician with a major retailer and a construction company. After much deliberation, Tim decided to make a pivot in his career and joined a small independent financial planning firm in 2012. In 2016, he launched his own financial planning firm Script Financial and in 2019 merged with Your Financial Pharmacist. Tim now lives in Columbus, Ohio with his wife (Shay), three kids (Olivia, Liam and Zoe), and dog (Benji). Mentioned on the Show First Horizon Pharmacist Home Loan YFP 211: The Ins and Outs of the 529 College Savings Plans YFP 195: How to Save for Your Child’s Education YFP Blog: 7 Things to Consider Before Starting a 529 Plan YFP Gives - www.yfpgives.org YFP Disclaimer Subscribe to the YFP Newsletter Tim Ulbrich on LinkedIn YFP on Instagram YFP Facebook Group Tim Baker on LinkedIn  

Nate Hedrick and David Bright outline six essential steps for maintaining and preparing properties between tenants to help minimize vacancy and maximize profitability. Summary In this episode, Nate Hedrick and David Bright delve into the intricacies of managing vacant rental properties. They outline essential steps for maintaining and preparing properties between tenants, emphasizing the importance of thorough inspections and necessary repairs or upgrades. The discussion includes: Property Inspections: Conducting detailed video walkthroughs to document property conditions and compare them to original move-in lists. Market Understanding: Analyzing market rent trends and comparable properties to set optimal rent prices. Security Deposits: Managing security deposits in compliance with state laws to avoid legal issues and ensure fair treatment of tenants. Property Upgrades: Planning and executing upgrades in advance to enhance property value and minimize vacancy periods. Expense Tracking: Keeping detailed records of all expenses, including receipts and maintenance costs, for tax purposes. Nate and David highlight the importance of being active in the management process to reduce vacancy periods and ensure a profitable investment. They also touch on the decision-making process between self-management and hiring a property manager, depending on personal preferences and circumstances. Treating rental properties like a business, setting aside time for proper planning and execution during tenant turnover can help maximize profitability and create a safe living environment for future tenants. About Today's Guests Nate Hedrick is full-time pharmacist by day, husband and father by evening and weekend, and real estate agent, investor, and blogger by late night and early morning. He has a passion for staying uncomfortable and is always on the lookout for a new challenge or a project. He found real estate investing in 2016 after his $300,000+ student loan debt lead him to read Rich Dad Poor Dad. This book opened his mind to the possibilities of financial freedom and he has been obsessed ever since. After earning his real estate license in 2017, Nate founded Real Estate RPH as a source for real estate education designed with pharmacists in mind. Since then, he has helped dozens of pharmacists around the country realize their dream of owning a home or starting their investing journey. Nate resides in Cleveland, Ohio with his wife, Kristen, his two daughters Molly and Lucy, and his rescue dog Lexi.    David Bright is a pharmacist with a heart for teaching. He’s been a full-time professor since 2009 with a passion for implementing and improving pharmacy services. Themes of “implementing and improving” in the pharmacy space are quite similar to themes of “building and fixing” in real estate, which has been a growing hobby for David and his wife, Heather, who bought their first house more than ten years ago. That fixer-upper house became a live-in house flip, which they sold a few years later, only to repeat the process with their next house. When David and Heather got sick of perpetually living in a construction zone, they pivoted to fixing up rental properties in West Michigan, where they now live.  David invests in real estate as a way to bring greater diversity to financial planning and to fund memorable life experiences with family and friends. Mentioned on the Show YFP Real Estate Investing Podcast 61: Keeping vs. Selling in a Hot Market Subscribe to the YFP Newsletter YFP Disclaimer Your Financial Pharmacist YFP Real Estate Investing Facebook Group Nate Hedrick on Instagram David Bright on Instagram YFP Real Estate Investing Website David Bright on LinkedIn Nate Hedrick on LinkedIn

Dr. Helen Sairany discusses the prevalence of burnout and trauma among pharmacists and the importance of addressing the root cause of trauma to lead to a path of healing. Summary Discussing the intersections of trauma, resilience, and identity, Helen Sairany, a pharmacist and author, explores the impact of childhood trauma on workplace functioning. Dr. Sairany discusses the prevalence of burnout and trauma among pharmacists and the need to address the root causes to ensure the well-being of the profession.  In this beautiful and powerful conversation, Dr. Sairany emphasizes the importance of recognizing the depth of human experience beyond labels and embracing coexistence, tracing back beliefs to their origins to overcome financial conflicts, and addressing the root causes of trauma to build healthier relationships. About Today's Guest As a 7-year-old Kurdish child in Iraq, a country torn by war and conflict, Helen was spotted by a U.S. Marine deployed to her country with a grenade in her hand, who saved her life by exchanging the grenade for a bag of candy. He later escorted her family and her out of war to seek refuge in the U.S. Because of her turbulent childhood, she was diagnosed with complex PTSD in 2013. Thus, she aspire to live in a world where the vast majority are trauma-informed, feel psychologically safe and valued for the work they put out, and return home fulfilled. Since the outbreak of the COVID-19 pandemic began, Helen have been open about her dormant childhood trauma. She have been traveling worldwide to give talks on topics such as trauma-informed care, leadership, and the workforce.  After having traveled to more than 100 countries worldwide, she developed an appreciation for the diverse mix of cultures, people, and traditions.  Her interest in trauma stems from personal experiences of living through wars, navigating complex relationships, and continually learning what it means to be human. Mentioned on the Show Website - https://helensairany.com/ Certificate Training Program - https://helensairany.com/certificate-training/  Trading Grenades for Candy by Dr. Helen Sairany The We You Don’t See by Dr. Helen Sairany The Myth of Normal by Gabor Mate Register for July 24th 12-1pm YFP/APhA Webinar: Retirement Income Planning: How Much is Enough and How to Pay Yourself In Retirement (With Live Nest Egg Calculation) YFP Disclaimer Subscribe to the YFP Newsletter Tim Ulbrich on LinkedIn YFP on Instagram YFP Facebook Group

Tim Baker, YFP Director of Financial Planning, breaks down Medicare and long-term care insurance and what to consider when deciding on a policy. Summary Tim Baker, YFP Director of Financial Planning, breaks down the importance of long-term care insurance in retirement planning, highlighting the need to carefully consider the cost of these policies and how they fit into one's overall financial plan.  Tim also discusses Medicare parts A, B and D and the importance of understanding the enrollment period to avoid paying penalties. About Today's Guest Tim Baker is the Co-Founder and Director of Financial Planning at Your Financial Pharmacist. Founded in 2015, YFP is a fee-only financial planning firm and connects with the YFP community of 12,000+ pharmacy professionals via the Your Financial Pharmacist Podcast podcast, blog, website resources and speaking engagements.  Tim attended the United States Military Academy majoring in International Relations and branching Armor. After his military career, he worked as a logistician with a major retailer and a construction company. After much deliberation, Tim decided to make a pivot in his career and joined a small independent financial planning firm in 2012. In 2016, he launched his own financial planning firm Script Financial and in 2019 merged with Your Financial Pharmacist. Tim now lives in Columbus, Ohio with his wife (Shay), three kids (Olivia, Liam and Zoe), and dog (Benji). Mentioned on the Show Learn More About Your Financial Pharmacist and Book a Free Discovery Call  Episode 329: Medicare Selection & Optimization featuring Certified Insurance Counselor, Josh Workman Episode 296: 5 Key Decisions for Long-Term Care Insurance Episode 321: Navigation Financial Conversation with Aging Parents Episode 305: Understanding Annuities: A Primer for Pharmacists Free to Focus by Michael Hyatt YFP Disclaimer Subscribe to the YFP Newsletter Tim Ulbrich on LinkedIn Tim Baker on LinkedIn YFP on Instagram YFP Facebook Group

Mike Byers, PharmD shares how he was able to achieve financial freedom and replace his retail pharmacist income through savings and real estate investments. Summary In this episode, Michael Byers, PharmD shares how he was able to achieve financial freedom and step away from his job as a retail pharmacist at age 42. Mike outlines how he went from a position of financial weakness to a position of financial strength through frugality and real estate investing. A father of two young boys, Mike talks about the importance of having options and flexibility in this season as he and his wife raise their family. About Today's Guest Mike Byers is a 2008 graduate of the University of Pittsburgh School of Pharmacy. He spent 16 years as a retail pharmacist for Giant Eagle where he worked as a staff pharmacist, a pharmacy team leader and a floater. After successfully investing in real estate for over 10 years, Mike decided to take a break from pharmacy in 2023 to spend time with his wife and two young boys. He loves his family, houses, outdoor adventure, and trying to find the right balance between YOLO and delayed gratification.  He can be found on Instagram @DIYrentalGuy. Mentioned on the Show Mike Byers on Instagram: DIYRentalGuy Mr. Money Mustache YFP Real Estate Investing Podcast 119: House Hacking with the House Hacking MD YFP Podcast 354: From PharmD to Debt Free to FIRE Rich Dad, Poor Dad by Robert Kiyosaki Die with Zero by Bill Perkins Millionaire Next Door by Tom Stanley Bigger Pockets Tax Free Wealth by Tom Wheelwright  Tim Ulbrich on LinkedIn Subscribe to the YFP Newsletter YFP Planning: Fee-Only Financial Planning for Pharmacists YFP Disclaimer YFP on Instagram YFP Facebook Group

David Bright and Nate Hedrick share four creative strategies to consider when looking for investment properties in 2024. Summary As the housing market continues to be competitive with low inventory and high home prices, it can be hard to find those good investment deals. Drawing from their own experiences, David Bright and Nate Hedrick share four strategies to consider when looking for investment properties in 2024.  From looking at properties with problem tenants that landlords are looking to move on from; to properties that have been on the market for several days; to properties that are back on the market after failed inspections to finding properties with hidden potential, David and Nate share creative ways to find deals in this competitive real estate climate. About Today's Guest Nate Hedrick is full-time pharmacist by day, husband and father by evening and weekend, and real estate agent, investor, and blogger by late night and early morning. He has a passion for staying uncomfortable and is always on the lookout for a new challenge or a project. He found real estate investing in 2016 after his $300,000+ student loan debt lead him to read Rich Dad Poor Dad. This book opened his mind to the possibilities of financial freedom and he has been obsessed ever since. After earning his real estate license in 2017, Nate founded Real Estate RPH as a source for real estate education designed with pharmacists in mind. Since then, he has helped dozens of pharmacists around the country realize their dream of owning a home or starting their investing journey. Nate resides in Cleveland, Ohio with his wife, Kristen, his two daughters Molly and Lucy, and his rescue dog Lexi.    David Bright is a pharmacist with a heart for teaching. He’s been a full-time professor since 2009 with a passion for implementing and improving pharmacy services. Themes of “implementing and improving” in the pharmacy space are quite similar to themes of “building and fixing” in real estate, which has been a growing hobby for David and his wife, Heather, who bought their first house more than ten years ago. That fixer-upper house became a live-in house flip, which they sold a few years later, only to repeat the process with their next house. When David and Heather got sick of perpetually living in a construction zone, they pivoted to fixing up rental properties in West Michigan, where they now live.  David invests in real estate as a way to bring greater diversity to financial planning and to fund memorable life experiences with family and friends. Mentioned on the Show YFP Real Estate Investing Podcast 120: Deep Dive: Use Conversion Subscribe to the YFP Newsletter YFP Disclaimer Your Financial Pharmacist YFP Real Estate Investing Facebook Group Nate Hedrick on Instagram David Bright on Instagram YFP Real Estate Investing Website David Bright on LinkedIn Nate Hedrick on LinkedIn

Dr. John Muchka, Founder of Pharm to Tables, talks about how he started the non-profit and its mission of helping end the hunger crisis in local communities. This episode is brought to you by First Horizon.  Summary In this episode, Tim talks with Dr. John Muchka, Founder of Pharm To Tables, a charitable organization uniting pharmacy professionals in a singular, focused mission of helping end the hunger crisis of our local communities Dr. Muchka talks about how his service learning project during pharmacy school inspired the idea for Pharm To Tables, the why behind his passion to end hunger in local communities, how he was able to get his vision off the ground, and the lessons he has learned along the way. About Today's Guest Dr. John Muchka received his Bachelor’s degree in biochemistry from the University of Wisconsin- Madison followed by his Doctor of Pharmacy from South University School of Pharmacy in 2010. Dr. Muchka is a seasoned clinical pharmacist with over 13 years of extensive experience in the healthcare field. Throughout his career, he has demonstrated a steadfast commitment to advancing pharmacy practice and improving patient care. As a Pharmacy Residency Program Director, Dr. Muchka plays a pivotal role in shaping the next generation of pharmacy professionals. His dedication to mentorship and education has empowered countless pharmacists to excel in their careers and make meaningful contributions to the field. In addition to his role as a clinical pharmacist and Residency Program Director, Dr. Muchka is also the Co-founder and president of Pharm to Tables Charitable Organization Inc. Under his visionary leadership, Pharm to Tables has emerged as a driving force in promoting overall community health by helping to end food insecurity. Dr. John Muchka is a respected voice within the pharmacy community on a local and national level. He currently serves on the Pharmacy Society of Wisconsin Board of Directors. Dr. Muchka also represents Wisconsin in the American Society of Health-System Pharmacists House of Delegates. Through his active involvement in these organizations, Dr. Muchka advocates for policies and initiatives that elevate the profession of pharmacy and enhance the quality of patient care on a local, national and global scale. Outside of work, John loves spending time outdoors with his wife Lindsey and two sons, Luke and Noah. Mentioned on the Show Pharm to Tables Dr. John Muchka on LinkedIn Pharm to Tables on Facebook First Horizon Pharmacist Home Loan YFP Gives Tim Ulbrich on LinkedIn Subscribe to the YFP Newsletter YFP Planning: Fee-Only Financial Planning for Pharmacists YFP Disclaimer YFP on Instagram YFP Facebook Group  

YFP CEO Tim Ulbrich talks with his dad, Tom Ulbrich, on entrepreneurship, fatherhood, and finances. Summary In celebration of Father’s Day, Tim Ulbrich talks with his own dad, Tom Ulbrich, to have a conversation on entrepreneurship, fatherhood, and finances.  During this wisdom-packed dialogue, Tom shares his career journey starting with running a family business, to developing an e-commerce business out of the basement of his home, to achieving his MBA in his 40’s, to his time in academia, and to now leading a large nonprofit in Western New York. Tom shares his thoughts on his two sons going from traditional to non-traditional career paths, how he and his wife, Lynn, have defined what it means to be living their rich life, and his take on redefining retirement and why it shouldn’t be a one-size fits all approach. This special conversation highlights the generational throughline in the Ulbrich family of entrepreneurship and how career and life choices are about the journey, not the destination. About Today's Guest As a passionate advocate for small business and a former business owner himself, Tom Ulbrich intimately understands the power that entrepreneurship has to unlock human potential, create jobs, inspire wealth, and invigorate economies and communities across the globe.Tom is an entrepreneurial leader with broad-based management experience in both the for-profit and non-profit sectors. His passion for social innovation is focused on nurturing strong relationships and building consensus across diverse groups of stakeholders in the academic, for-profit, non-profit and government sectors. During his prior tenure as an assistant dean at the University at Buffalo’s School of Management and School of Social Work he did extensive work in the field of social entrepreneurship with a focus on the emerging concept of the “entrepreneurial non-profit”. He retains an appointment at the UB School of Management as Executive in Residence for Entrepreneurship. He is a speaker and writer with a weekly newsletter titled Soar, Don’t Settle where he shares his thoughts about business, leadership and life. He is also a member of the Forbes Non-Profit Council and contributes content that you can find on Forbes.com. In May 2020, he became President and CEO of Goodwill of Western New York  where he is working with a dedicated team to apply an interdisciplinary approach to social innovation in a real world setting. Mentioned on the Show Tom Ulbrich on LinkedIn Tom Ulbrich’s Newsletter: Soar, Don’t Settle The Medici Effect by Frans Johansson Happy Money by Ken Honda I Will Teach You to Be Rich by Ramit Sethi Tim Ulbrich on LinkedIn Subscribe to the YFP Newsletter YFP Disclaimer

Cory Jenks, PharmD, author, speaker and comedian talks about his newest book on fatherhood titled, “So I Guess I’m a Dad Now.” Summary On this episode, Tim talks with Cory Jenks, PharmD, a comedian, pharmacist, author, and speaker who helps create more adaptable, empathetic, and humanizing healthcare experiences. Cory shares his journey of writing his second book 'I Guess I'm a Dad Now', why he chose to write a book on fatherhood, the strategies he has employed in his journey of being a dad to three kids ages six and under, and why he and his wife Cassie used a Coast FIRE approach for their financial plan. About Today's Guest Cory Jenks is a convention breaking pharmacist, comedian, author, speaker, and dad from Tucson Arizona. Since earning his Doctor of Pharmacy degree in 2011 from the University of South Carolina, he has been on a mission to help people get off medications through lifestyle. Since 2013, he has taught, coached and performed improv comedy for thousands of people. And since 2022 when his 1st book Permission to Care: Building a Healthcare Culture that Thrives in Chaos, came out, he has been making readers laugh out loud while reading.  His newest book, I Guess I’m a Dad Now, provides practical and hilarious tips, tricks, and stories to help new dads earn that "#1 Dad” shirt they will inevitably be gifted on Father's Day. With the little spare time he has, Cory enjoys harvesting rainwater, raising chickens, and attempting to play various sports with variable success. He is currently earning his Master’s Degree in Dad Jokes with the help of his daughter and two sons. Mentioned on the Show YFP Planning YFP 134: One Couple’s Coast FI Journey YFP 196: How Cory Uses Improv to Create a Better Healthcare Experience YFP 356: How to Successfully Navigate Finances with Your Partner  I Guess I’m A Dad Now by Cory Jenks Cory Jenks Cory Jenks on LinkedIn Cory Jenks on Instagram Tim Ulbrich on LinkedIn Subscribe to the YFP Newsletter YFP Disclaimer

Tony Umholtz, Senior Vice President of Mortgage Banking at First Horizon, returns to discuss four questions prospective home buyers should consider. This episode is brought to you by First Horizon. Summary Tony Umholtz, Senior Vice President of Mortgage Banking at First Horizon returns to discuss four questions that prospective home buyers must answer including buy now versus wait, rules of thumb lenders are using to determine lending limits, the potential impact of the recent settlement from the National Association of Realtors, and the current state of how student loan payments are being factored into the lending calculations.  About Today's Guest Tony Umholtz is the Senior VP of Mortgage Banking at First Horizon. He graduated Cum Laude from the University of South Florida with a B.S. in Finance from the Muma College of Business. He then went on to complete his MBA. While at USF, Tony was part of the inaugural football team in 1997. He earned both Academic and AP All-American Honors during his collegiate career. After college, Tony had the opportunity to sign contracts with several NFL teams including the Tennessee Titans, New York Giants, and the New England Patriots. Being active in the community is also important to Tony. He has served or serves as a board member for several charitable and non-profit organizations including board member for the Salvation Army, FCA Tampa Bay, and the USF National Alumni Association. Having orchestrated over $1.1 billion in lending volume during his career, Tony has consistently been ranked as one of the top mortgage loan officers in the industry by the Scotsman’s Guide, Mortgage Executive magazine, and Mortgage Originator magazine. Mentioned on the Show First Horizon Pharmacist Home Loan YFP Podcast 348:2024 Housing Market Trends, Buy Now vs. Wait, & Assumable Rate Mortgages YFP Podcast 353: Avoiding the Trap of House Poor: Evaluating Cost of Home Ownership Tony Umholtz First Horizon Tony Umholtz on LinkedIn Tony Umholtz on Instagram Tim Ulbrich on LinkedIn YFP Disclaimer Subscribe to the YFP Newsletter YFP Planning: Fee-Only Financial Planning for Pharmacists  

Alex Cartwright, Founder and Managing Partner of HotelSHIFT, discusses a current hotel property that he is working to convert into affordable multifamily housing. Summary Nate Hedrick and David Bright talk with Alex Cartwright, PhD, Founder and Managing Partner of HotelSHIFT, a real estate investing firm that specializes in converting hotels into affordable multifamily housing. Alex, David and Nate discuss details about a hotel conversion property they are working on together in Houston, Texas. Alex breaks down the project and his strategies for transforming struggling hotels into successful multifamily complexes. He gives tips on how to look for deals and mitigate risk. Alex also explains the benefits of economies of scale, syndication, and working with a team on large-scale real estate investments. Listen to learn more about why Alex plans to keep investing in the niche market of hotel conversion. About Today's Guest Alex Cartwright, PhD is the Founder and Managing Partner of HotelSHIFT, a real estate investing firm that specializes in converting hotels into affordable multifamily housing. Alex conducts macroeconomic analysis on target markets and conducts the underwriting for HotelSHIFT offerings. He is an experienced multifamily investor and has served as lead GP on multiple syndications. Alex has worked as a consultant with one of the biggest mobile homeowners in the country.  Alex is the Chair of the Management Department and Associate Professor of Economics in the College of Business at Ferris State University where he teaches classes on Managerial Economics, Economic Growth, and International Business. His Economics research has been published in several scholarly outlets, including The Cambridge Journal of Economics. Alex is an affiliated scholar with multiple Think-Tanks and has served as an Economic advisor to congressional candidates in Peru. Alex received a B.S. in Mathematical Economics from Hampden-Sydney College where he graduated Phi-Beta-Kappa, Summa Cum Laude and first in his major. He earned an M.A. and PhD in Economics from George Mason University where he was the F.A. Hayek Fellow in the program for advanced study of Philosophy, Politics, and Economics at George Mason University’s Mercatus Center. Mentioned on the Show YFP Real Estate Investing 102: Navigating Today’s Market with Economist Alex Cartwright, PhD YFP Real Estate Investing 120: Deep Dive: Converting to Highest and Best Use  HotelShift Alex Cartwright on LinkedIn Subscribe to the YFP Newsletter YFP Disclaimer Your Financial Pharmacist YFP Real Estate Investing Facebook Group Nate Hedrick on Instagram David Bright on Instagram YFP Real Estate Investing Website David Bright on LinkedIn Nate Hedrick on LinkedIn