Welcome to Ask a YFP CFP®, a new segment of the Your Financial Pharmacist Podcast! On today's show Tim Baker, CFP®, takes this question from Raul in Texas: What are the pros and cons of paying student loans back faster than 10 years?  Mentioned on the Show: YFP Planning Refinance Student Loans Send in your questions here or to [email protected] Disclaimer: This podcast is intended for educational purposes and should not be considered financial or investment advice as we do not know all the variables to one's personal situation when answering a question.

Craig Curelop is the author of The House Hacking Strategy and is a real estate agent, investor, and employee of BiggerPockets. Craig talks all things house hacking including what it is, how he got started with house hacking and why he claims it is the single most powerful way to build wealth. Mentioned on the Show Refinance Student Loans The House Hacking Strategy: How to Use Your Home to Achieve Financial Freedom by Craig Curelop BiggerPockets BiggerPockets Money Podcast ChooseFI The Side Hustle Show Podcast The Best Ever Real Estate Investing Advice Podcast YFP 129: How One Pharmacist Built a 29 Unit Real Estate Investing Portfolio w/ Aaron Howell Rich Dad Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! by Robert Kiyosaki Tax Free Wealth: How to Build Massive Wealth by Permanently Lowering Your Taxes by Tom Wheelwright CraigCurelop.com Craig Curelop on Instagram  

Welcome to Ask a YFP CFP®, a new segment of the Your Financial Pharmacist Podcast! On today's show Tim Baker, CFP®, takes this question from Michael in Columbus, Ohio: How can I solve the issues I'm having with FedLoan Servicing? Mentioned on the Show: YFP Planning FedLoan Servicing PSLF NPR: 23 Senators Demand Investigation Into Mismanagement of Student Loan Program Consumer Financial Protection Bureau NPR: Data Shows 99% of Applications for a Student Loan Program Were Denied The Ultimate Guide to Pay Back Pharmacy School Loans Send in your questions here or to [email protected] Disclaimer: This podcast is intended for educational purposes and should not be considered financial or investment advice as we do not know all the variables to one's personal situation when answering a question.

Aaron Howell, a real estate investor, real estate agent and ambulatory pharmacist at University of Virginia Health Systems joins Tim Ulbrich on this week’s episode. Aaron talks about his journey from accidentally falling into his first investment property when trying to sell his condo to how he built his current portfolio that includes 29 units in 3 different cities across the country. Aaron’s real estate investing and the cash flow it provides has put him in a position to choose how he spends his time. Mentioned on the Show Policygenius BiggerPockets Long Distance Real Estate Investing by David Greene Apartment Building Investing Podcast with Michael Blank Meetup.com Contact Aaron on BiggerPockets Contact Aarkon on LinkedIn

Welcome to Ask a YFP CFP®, a new segment of the Your Financial Pharmacist Podcast! On today's show Tim Baker, CFP®, takes this question from Brandon in Portland, Maine: What are the pros and cons of direct real estate investing and REITs?  Mentioned on the Show: YFP Planning Vanguard Send in your questions here or to [email protected] Disclaimer: This podcast is intended for educational purposes and should not be considered financial or investment advice as we do not know all the variables to one's personal situation when answering a question.

On this special Thanksgiving episode, Tim Ulbrich welcomes Melissa Akacha, a pharmacist that helped rally her community to bring another pharmacist out of homelessness. This is a story of generosity, of being aware of your surroundings, and extending a helping hand to those that encounter misfortunes that could happen to any one of us. Mentioned on the Show YFP Planning WBUR: A Former Pharmacist Was Forced Into Homelessness, Then Her Community Stepped Up to Help by Yasmin Amer Nextdoor Lynn Shutzman’s Go Fund Me Link YFP Facebook Group

Welcome to Ask a YFP CFP®, a new segment of the Your Financial Pharmacist Podcast! On today's show Tim Baker, CFP®, takes this question from Lu in Baltimore, Maryland: Where can I find reputable options with lower interest rates for graduate school loans outside of federal financial aid? Mentioned on the Show: YFP Planning Refinance Your Student Loans Student Loan Planner NerdWallet CommonBond LendKey Earnest College Ave Citizens Bank Send in your questions here or to [email protected] Disclaimer: This podcast is intended for educational purposes and should not be considered financial or investment advice as we do not know all the variables to one's personal situation when answering a question.

Michelle Cooper, author of I’ve Still Got Me: A Widow’s Journey to Love, Happiness & Financial Independence, Director and Co-Founder of XML-W, a division of XML Financial Group, and former practicing attorney, joins Tim Ulbrich on this week’s podcast episode. Michelle shares her personal story and unique perspective on finances and law to inspire hope for those experiencing loss and provides sound financial principles for those seeking financial independence. Mentioned on the Show Refinance Student Loans I’ve Still Got Me: A Widow’s Journey to Love, Happiness & Financial Independence by Michelle P. Cooper XML Financial Group YFP Planning Your Financial Pharmacist Protect Your Income (Life and Disability Insurance) Michelle Cooper Michelle Cooper on Facebook Michelle Cooper on LinkedIn

Welcome to Ask a YFP CFP®, a new segment of the Your Financial Pharmacist Podcast! On today's show Tim Baker, CFP®, takes this question from Lily in Tuscon, Arizona: What's the best way to apply the funds I receive from the IHS loan repayment program? Mentioned on the Show: YFP Planning Schedule a Free Financial Planning Discovery Call with YFP Planning Refinance Your Student Loans CommonBond IHS Loan Repayment Program Send in your questions here or to [email protected] Disclaimer: This podcast is intended for educational purposes and should not be considered financial or investment advice as we do not know all the variables to one's personal situation when answering a question.

Brittany Hoffmann-Eubanks, Founder and CEO of Banner Medical, joins Tim Church to share her side hustle journey in creating a company that’s on track to hit over $100,000 in revenue and what she did to get to this point. Mentioned on the Show Policygenius YFP 116: Transforming Your Life and Career Through Networking w/ David Burkus Friend of a Friend: Understanding the Hidden Networks that can Transform Your Life and Your Career by David Burkus Alex Barker, The Happy PharmD Banner Medical Writing LinkedIn Brittany Hoffmann-Eubanks on LinkedIn Email Brittany Hoffmann-Eubanks: [email protected]

Welcome to Ask a YFP CFP®, a new segment of the Your Financial Pharmacist Podcast! On today's show Tim Baker, CFP®, takes this question from Tessa in Stevens Point, Wisconsin: If I refinance my federal student loans and a Democratic President is elected who wants to forgive all student debt, would those loans still be eligible for forgiveness? Mentioned on the Show: YFP Planning Refinance Your Student Loans Episode 114: Presidential Candidates' Plans for Student Loan Forgiveness w/ Richard Waithe Send in your questions here or to [email protected] Disclaimer: This podcast is intended for educational purposes and should not be considered financial or investment advice as we do not know all the variables to one's personal situation when answering a question.

Dr. Joey Mattingly, a faculty member at The University of Maryland School of Pharmacy, talks to Tim Ulbrich about a recent article published in the American Journal of Pharmaceutical Education titled Before we talk about student debt cancelation, can we talk about the interest rates? They cover the basics of loan terminology, discuss why lower interest rates would have such a significant impact on student indebtedness and discuss the reasons why lowering interest rates may be a better option than loan cancellation or forgiveness. Mentioned on the Show YFP Planning Before we talk about student debt cancelation, can we talk about the interest rates? by T. Joseph Mattingly II, PharmD, MBA, PhD YFP 005: The Impact of Rising Student Debt on a Pharmacist’s Income w/ Joey Mattingly, PharmD YFP 114: Presidential Candidates’ Plans for Student Loan Forgiveness w/ Richard Waithe, PharmD RxRadio Refinance Your Student Loans AACP 2017 Graduate Student Survey Evaluating the Changing Financial Burdens for Graduating Pharmacists by T. Joseph Mattingly II, PharmD, MBA, PhD and Timothy R. Ulbrich, PharmD YFP Facebook Group Is There Room for Efficiency in Pharmacy Education? by T. Joseph Mattingly II, PharmD, MBA, PhD YFP 124: The Behavioral Investor w/ Dr. Daniel Crosby The Laws of Wealth: Psychology and the secret to investing success by Dr. Daniel Crosby The Behavioral Investor by Dr. Daniel Crosby

Welcome to the inaugural episode of Ask a YFP CFP®, a new segment of the Your Financial Pharmacist Podcast! On today's show Tim Baker, CFP®, takes a question from Andrea in Kansas regarding refinancing her student loans with a cosigner. Mentioned on the Show: YFP Planning Refinance Your Student Loans Protect Your Income Send in your questions here or to [email protected] Disclaimer: This podcast is intended for educational purposes and should not be considered financial or investment advice as we do not know all the variables to one's personal situation when answering a question.

Dr. Daniel Crosby, New York Times best selling author, joins Tim Ulbrich to discuss his most recent work, The Behavioral Investor. As both a psychologist and asset manager, Dr. Crosby provides a fascinating look into the sociological, neurological and psychological factors that influence our investment decisions and provides solutions for how to improve our behavior to be more likely to succeed with our long-term investing plan. Mentioned on the Show APhA - Use coupon code A19YFP for 20% off your membership! Personal Benchmark: Integrating Behavioral Finance and Investment Management by Daniel Crosby and Charles Widger The Laws of Wealth: Psychology and the Secret to Investing Success by Daniel Crosby The Behavioral Investor by Daniel Crosby YFP 057: The Power of Automating Your Financial Plan I Will Teach You to be Rich by Ramit Sethi Standard Deviations Podcast Daniel Crosby on Twitter @danielcrosby Daniel Crosby on LinkedIn Daniel Crosby, Ph.D. YFP’s Financial Education with APhA  Your Financial Pharmacist

Dustin & Melody Hartzler talk about their healthcare side hustles, how these ventures have accelerated their financial goals, how they balance and prioritize their time, and how they work together as a couple when it comes to business and managing their personal finances. Mentioned on the Show APhA - Use coupon code A19YFP for 20% off your membership! Your Financial Pharmacist Giveaway  Functional Medicine Continuing Education Virtual Symposium - Use coupon code YFP for 10% off! Dave Ramsey Show CE Impact FMPhA Institute for Functional Medicine A4M WordPress YFP Community Tribes: We Need You to Lead Us by Seth Godin Pharm to Table Psycho-Cybernetics by Maxwell Maltz New Frontiers in Functional Medicine Podcast with Dr. Kara Fitzgerald Dayton Women in the Word Tl;dr Pharmacy Functional Medicine Continuing Education on Instagram Functional Medicine Continuing Education on Facebook Pharm to Table on Instagram Pharm to Table on Facebook Melody Hartzler on LinkedIn Listen to Dustin Hartzler’s Podcast: Your Website Engineer Dustin Hartzler on Instagram YFP’s Financial Education with APhA  Your Financial Pharmacist

Dr. Todd Sorensen, President of the American Association of Colleges of Pharmacy (AACP) and Associate Dean for Strategic Initiatives & Innovation at the University of Minnesota joins Tim Ulbrich on today’s episode. They talk through the workforce challenges facing the profession of pharmacy, rising indebtedness, the change.org petition, and Todd’s vision for the future of the practice of pharmacy including dramatically expanding the number of pharmacists working alongside primary care providers.  Mentioned on the Show APhA - Use the coupon code A19YFP for 20% off your membership! American Association of Colleges of Pharmacy (AACP) Bureau of Labor Statistics Pharmacy Job Outlook The Pharmacist Workforce: A Study of the Supply and Demand for Pharmacists It Really Isn’t That Simple by Dr. Lucinda L. Maine Leading in Dickensian Times: Address of the President-elect at the 2019 AACP Annual Meeting by Dr. Todd Sorensen A Tale of Two Cities by Charles Dickens The ONE Thing: The Surprisingly Simple Truth Behind Extraordinary Results by Gary Keller  The End of Jobs: Money, Meaning and Freedom Without the 9-to-5 by Taylor Pearson #ChangePharmacy Petition on Change.org  YFP’s Financial Education with APhA  Your Financial Pharmacist

Tim Church interviews Dr. Hillary Blackburn about how she’s monetizing her personal residence as an Airbnb host. Hillary has been able to earn thousands of dollars each year making this side hustle another consistent income stream for her and her husband.   Mentioned on the Show APhA - Use the coupon code A19YFP for 20% off your membership! YFP 101: How to Get Started with Podcasting w/ Hillary Blackburn Talk to Your Pharmacist Podcast Natural Products Resource Center Pharmacy Residency Bootcamp Airbnb  Talking to Strangers: What We Should Know About the People We Don’t Know by Malcolm Gladwell  Ring Airbnb Earnings Calculator Hillary on Facebook: @talktoyourpharmacist Hillary on Instagram: @talktoyourpharmacist Hillary on LinkedIn: Hillary Blackburn Hillary on Twitter: @hillblackburn Pharmacy Advisory YFP’s Financial Education with APhA  Your Financial Pharmacist  

Tim Ulbrich talks through 5 ways to finish 2019 strong. These 5 strategies will help you enter the New Year with a sense of momentum and accomplishment, setting yourself up for an awesome 2020. Mentioned on the Show: APhA - use coupon code A19YFP for 20% off your APhA membership! YFP Planning YFP 119: Ask a YFP CFP® YFP Community Send questions for Ask a YFP CFP®, to [email protected] YFP’s Ultimate Guide to Pay Back Student Loans Refinance Your Student Loans YFP 023: Having a Painless Financial Holiday (No Rx Needed) YFP’s Guide to Having a Painless Financial Holiday (No Rx Needed) YFP Calculators Inside Bill’s Brain: Decoding Bill Gates Bill Gates’ Summer 2019 Reading List Bill Gates, Warren Buffet and Oprah All Use the 5 Hour Rule by Michael Simmons  7 Figure Pharmacist by Tim Church, PharmD and Tim Ulbrich, PharmD I Will Teach You to be Rich by Ramit Sethi Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money that the Poor and Middle Class Do Not! By Robert T. Kiyosaki Friend of a Friend: Understanding the Hidden Networks that Can Transform Your Life and Career by David Burkus YFP 116: Transforming Your Life and Career Through Networking w/ David Burkus The Behavioral Investor by Daniel Crosby, Matthew R. Doyle, et al. The Miracle Morning: 6 Habits that Will Transform Your Life Before 8 a.m. by Hal Erod Will It Fly: How to Test Your Next Business Idea So You Don’t Waste Your Time and Money by Pat Flynn Ally Seth Godin YFP Financial Education

Christina Slavonik, CFP® at Your Financial Pharmacist, joins Tim Ulbrich for a new installment of the YFP podcast, Ask a YFP CFP®. Christina answers financial questions from the Your Financial Pharmacist community covering topics such as student loans, investing and the inverted yield curve. Mentioned on the Show CommonBond Your Financial Pharmacist John Oliver YFP Planning Email YFP: [email protected] YFP on Facebook YFP on Instagram YFP Facebook Group YFP’s Ultimate Guide to Pay Back Pharmacy School Loans YFP 032: Find Your Why (Part 1): 3 Life Planning Questions w/ Jess & Tim Ulbrich YFP 033: Find Your Why (Part 2): The Path to Success w/ Jess & Tim Ulbrich YFP 072: Investing Mind Tricks: How Behavioral Bias Affects Our Decisions YFP 073: How to Determine the Priority of Investing YFP 074: Evaluating Your 401k Plan YFP 075: DIY, Robo, or Hire a Planner? YFP 076: Investing Rapid Fire Q&A Dave Ramsey Refinance Student Loans YFP 078: Is Pursuing the Public Service Loan Forgiveness Program a Waste? Dave Ramsey’s Financial Peace University APhA YFP 068: Pros/Cons of the Dave Ramsey 7 Baby Steps

On this week’s podcast episode, Tim Ulbrich takes you through an exercise to envision what you would do with an extra $1,000 a month and what steps you could take to make it a reality. Mentioned on the Show CommonBond Ask a YFP CFP - Email Your Questions to: [email protected] Freedom Dividend Your Financial Pharmacist Facebook Group Start.: Punch Fear in the Face, Escape Average, and Do Work That Matters by Jon Acuff Refinance Your Student Loans YFP Resources YFP Calculators YFP Blog YFP Podcast YFP Planning

Blair Thielemier, PharmD, founder of BT Pharmacy Consulting and creator of the Pharmapreneur Academy, joins Tim Ulbrich on this week’s podcast episode. Blair shares about how she unexpectedly lost her full-time job as a clinical hospital pharmacist when she was 6 months pregnant, how she dove into entrepreneurship with MTM consulting, and her three bold predictions for the future of pharmacy practice.  Mentioned on the Show CommonBond YFP 039: One Pharmacy Entrepreneur’s Journey to Maximizing Income and Paying off Debt w/ Blair Thielemier YFP 089: From Unemployed to Successful Pharmacy Entrepreneur w/ Blair Thielemier Pharmapreneur Academy BT Pharmacy Consulting AACP 2019 Graduate Student Survey The End of Jobs: Money, Meaning and Freedom Without the 9-to-5 by Taylor Pearson Pharmacy Workforce Pharmacist Moms Facebook Group

Best-selling author David Burkus joins Tim Ulbrich to talk about the science of networking and how the advice we have been given on how to effectively network needs to be seriously reconsidered and likely thrown out the window. David and Tim talk about his book Friend of a Friend and what the research has to say about a surprisingly simple approach to understanding your hidden networks and how that can transform your life and career.  Mentioned on the Show YFP Planning David Burkus Friend of a Friend: Understanding the Hidden Networks that can Transform Your Life and Your Career by David Burkus David Bukus’ TED Talk Nicholas Christakis James Fowler Duncan Watts How to Win Friends & Influence People by David Carnegie Adam Rifkin Derek Coburn Levitate Contactually Ronald Burt Adam Grant

On this week’s episode, Tim Ulbrich and Tim Baker talk through financial considerations for those that find themselves in a financial hardship due to job loss, hours being cut or wages being reduced. With the recent news of some big box pharmacies planning to close stores and cut their workforce and many other employers cutting back hours for full-time pharmacy employees, this conversation of how to navigate a current hardship or be ready to weather a future storm is more important than ever. Mentioned on the Show Refinance Your Student Loans RxRadio RxRadio: Pharmacy’s Podcast - Episode 71: Cancel Student Loan Debt??? YFP 114: Presidential Candidates’ Plans for Student Loan Forgiveness w/ Richard Waithe Thoughts on the Walmart Layoffs by Richard Waithe YFP 026: Baby Stepping Your Financial Plan - The 2 Things to Focus on First Ally Cobra Coverage Marketplace Insurance Medi-Share Liberty Healthshare YFP Planning YFP 112: Why One PhD Pharmacist is Taking on Two Side Hustles w/ Dr. Brent Rollins  Tony Guerra David Burkus Friend of a Friend…: Understanding the Hidden Networks That Can Transform Your Life and Your Career by David Burkus APhA APhA Membership Offer Email APhA: [email protected] Enter YFP’s Entrepreneurial Toolkit Giveaway

On this episode, Tim Ulbrich and Richard Waithe, the creator of RxRadio, talk through the student loan forgiveness plans proposed by Senators Bernie Sanders and Elizabeth Warren, two of the 2020 presidential candidates. Tim and Richard discuss the details of who would and would not receive forgiveness under these plans and how they would be funded if enacted. They also discuss current loan forgiveness plans that are already in place and options that are available for those that need to delay loan payments due to a financial hardship such as a job loss or reduction in hours.  This episode originally aired in July 2019 on the RxRadio Podcast. You can learn more about RxRadio by visiting rxradio.fm. Mentioned on the Show RxRadio RxRadio Podcast Your Financial Pharmacist YFP 078: Is Pursuing Public Service Loan Forgiveness a Waste? YFP Blog: the Ultimate Guide to Pay Back Pharmacy School Loans YFP Facebook Group YFP Facebook Page Email [email protected] YFP 018: Maximizing the Benefits of Public Service Loan Forgiveness

On this week’s episode, Tim Ulbrich welcomes Nate Hedrick, The Real Estate RPh back to the show to talk about the value of homeownership. Tim and Nate discuss whether or not the American dream of owning a home is for everyone, the true costs of home ownership, when to consider renting vs. buying and tips for knowing when might be the right time to purchase a home.  Mentioned on the Show YFP Concierge Service YFP 040: 10 Things Every Pharmacist Should Know About Home Buying - Part 1 w/ Nate Hedrick YFP 041: 10 Things Every Pharmacist Should Know About Home Buying - Part 2 w/ Nate Hedrick YFP 064: 6 Steps to Home Buying - Part 1 w/ Nate Hedrick YFP 065: 6 Steps to Home Buying - Part 2 w/ Nate Hedrick Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not by Robert T. Kiyosaki NY Times Buy vs Rent Calculator House Hacking: How to Live for FREE During Residency by Nate Hedrick First Time Homebuying Quick Start Guide 

Dr. Brent Rollins, a pharmacy graduate of Ohio Northern who obtained his PhD in Pharmacy Administration at the University of Georgia and currently serves as a faculty member at Philadelphia College of Osteopathic Medicine, joins Tim Ulbrich on the show. They discuss Brent’s personal finance journey, why he cares so much about the importance of educating students on this topic, his unique side hustles in serving as an expert witness and covering professional football, and how he is teaching his 3 kids about personal finance. Mentioned on the Show Policygenius Rx Radio: Episode 71: Cancel Student Debt??? YFP 098: Lifestyle Creep: The #1 Threat to Growing Your Net Worth  Mom and Dad, We Need to Talk: How to Have Essential Conversations with Your Parents About Their Finances by Cameron Huddleston YFP 108: How to Effectively talk with Mom and Dad About Their Finances w/ Cameron Huddleston Pro Football Focus Automatic Millionaire: A Powerful One Step Plan to Live and Finish Rich by David Bach YFP 057: The Power of Automating Your Financial Plan

Jared Wonders joins Tim Ulbrich on this week’s episode. Jared is a 2012 graduate of the University of Findlay and currently works for the VA remotely doing home health care. Jared and Tim talk about how he and his wife, Jess, aggressively paid off their debt within a few years, how they got started in real estate investing, and how and why they are on the path toward FIRE (financial independence, retire early). Mentioned on the Show Refinance Your Student Loans Dave Ramsey YFP 068: Pros/Cons of the Dave Ramsey 7 Baby Steps YFP 104: Jason Long’s FIRE Journey Scott Trench BiggerPockets BiggerPockets Episode 121: Creating the IDEAL Real Estate Investing Business with Andrew and Phillip Syrios Paula Pant The 4 Hour Work Week: Escape 9-5, Live Anywhere, and Join the New Rich by Timothy Ferriss Jim Collins ChooseFI Paul Pant Podcast #153: Why I hate the FIRE movement, says Suze Orman  Retire Early With Real Estate: How Smart Investing Can Help You Escape the 9-5 Grind and Do More of What Matters by Chad Carson Contact Jared Wonders on BiggerPockets Email Jared Wonders: [email protected] The FIRE Prescription: How to Retire Early as a Pharmacist by Jeff Keimer  YFP Blog

Betsy and Casey Hoida join Tim Ulbrich to talk about their journey paying off $150,000 of student loan debt, why and how Betsy left her secure pharmacy job after completing residency and getting board certification and how they managed to work together to get on the same page financially despite some highs and lows along the way.   Mentioned on the Show YFP Planning YFP Episode 057: The Power of Automating Your Financial Plan Indispensable: The prescription of a fulfilling pharmacy career by Alex Barker The Happy PharmD Financial Peace University Dave Ramsey YFP Podcast  YFP 079: Is it Time to Redefine Retirement with Nick Ornella YFP Community YFP 022: The Power of Giving

Suze Orman, a #1 New York Times bestselling author on personal finance with over 25 million books in circulation, joins Tim Ulbrich on today’s episode. They talk about her most recent book Women & Money: Be Strong. Be Smart. Be Secure and the advice Suze has for pharmacy professionals feeling overwhelmed with their student loan debt and managing their financial plan.  Mentioned on the Show Refinance Student Loans Suze Orman Women & Money: Be Strong, Be Smart, Be Secure by Suze Orman  Women and Money Podcast YFP 108: How to Effectively Talk with Mom & Dad About Their Finances w/ Cameron Huddleston Mom and Dad, We Need to Talk: How to Have Essential Conversations with Your Parents About Their Finances by Cameron Huddleston  Suze Orman Must Have Documents Offer Email Suze Orman: [email protected]

Cameron Huddleston, an award winning journalist with more than 15 years experience writing about personal finance, joins Tim Ulbrich on this week’s show. Cameron and Tim talk about her recently released book Mom and Dad, We Need to Talk: How to Have Essential Conversations with Your Parents About Their Finances. Cameron discusses why it is important to have these conversations with your parents, how to start the conversation and what to do if your parents are reluctant to talk.  Mentioned on the Show Policy Genius Mom and Dad, We Need to Talk: How to Have Essential Conversations with Your Parents About Their Finances by Cameron Huddleston (Amazon) Cameron Huddleston Mom and Dad, We Need to Talk: How to Have Essential Conversations with Your Parents About Their Finances by Cameron Huddleston (Barnes and Noble) Cameron Huddleston on Facebook Cameron Huddleston on Twitter

Christina Slavonik, CFP® and YFP Team Member, joins Tim Baker to discuss the student loan grace period and why it’s not that gracious. They break down the differences between the grace period, forbearance and deferment and talk through scenarios you can consider when determining your student loan payoff strategy. Mentioned on the Show YFP Planning CommonBond LendKey SoFi Earnest Splash First Republic Refinance Your Student Loans YFP 051: 5 Steps to Crush Your Student Loans YFP 052: 8 Things to Do or Avoid to Evade Financial Purgatory After Graduation YFP 099: Key Financial Moves for Pharmacy Graduates

John Kohli, PharmD, joins Tim Ulbrich to talk about his career journey, how he managed to rack up approximately $260,000 of debt despite graduating from pharmacy school with minimal student loan debt, what motivated him to get his financial house in order, and how he hustled to pay off most of this debt within a 2 year period. Mentioned on the Show Refinance Your Student Loans YFP Community

Jamie Leigh Tipton, a new practitioner from North Carolina and owner of Tipton Compounding Pharmacy, shares her journey of starting her own business and the importance of building a strong financial foundation to be able to do so. Jamie Leigh’s mom, Janet, also joins the show to talk about her involvement in the family business, how she helped Jamie Leigh graduate debt free and why she has encouraged Jamie Leigh to start her own business. Mentioned on the Show YFP Planning Professional Compounding Centers of America (PCCA) National Community Pharmacists Association (NCPA) YFP Facebook Group Tipton Compounding Pharmacy Dave Ramsey Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not by Robert T. Kiyosaki Tipton Compounding Pharmacy on Instagram Tipton Compounding Pharmacy on Facebook

Jason Long joins Tim Ulbrich to share how he retired from his retail pharmacy job at the age of 38. Jason dives into what the FIRE methodology is and how he and his wife saved for early retirement. Mentioned on the Show Refinance Student Loans NY Times: How to Retire in Your 30s With $1 Million in the Bank The Trinity Study Jason Long’s Blog: after the finish line Mr. Money Moustache: The Shockingly Simple Math Behind Early Retirement Walden by Henry David Thoreau Reddit: Financial Independence Thread

Montrell Taylor, a P3 student at Howard University, joins Tim Ulbrich to talk about his experience in wholesaling real estate. Montrell shares why he chose real estate investing as a side hustle and how he balances being an entrepreneur with pharmacy school. Mentioned on the Show Policygenius Life Insurance YFP Community YFP 009: Interview with Carrie Carlton APhA Annual Meeting Alex Barker, The Happy PharmD Indispensable: The prescription for a fulfilling pharmacy career by Alex Barker Rico Smith YFP Podcast Uber Eats BiggerPockets The Columbus Dispatch: Columbus is nation’s hottest real-estate market Max Maxwell Tony the Closer Jim Rohn 7 Figure Pharmacist by Tim Church, PharmD and Tim Ulbrich, PharmD Email Montrell Taylor: [email protected] Montrell Taylor: Instagram YFP Podcast on iTunes

Dr. Suzanne Soliman, Founder of the Pharmacist Moms Group, joins Tim Ulbrich to dive deep into her motivativation for launching the group, resources the group offers, where this movement is heading and how she carves out time for her business. Mentioned on the Show  Airbnb Pharmacist Moms Group Pharmacist Moms Group Website Suzy Soliman Instagram Seth Godin YFP Planning The 4-Hour Workweek: Escape 9-5, Live Anywhere, and Join the New Rich by Tim Ferriss YFP 089: From Unemployed to Successful Pharmacy Entrepreneur YFP 095: Level Up Your Career: An Interview with Rx Ashlee Blair Thielemier Ashlee Klevens Hayes Tony Guerra Alex Barker The Universe Has Your Back: Transform Fear to Faith by Gabrielle Bernstein   Supersoul Sunday w/ Oprah Your Financial Pharmacist Suzy Soliman Twitter  

Dr. Hillary Blackburn joins Tim Church on this week’s episode to talk about her unique pharmacy career at Dispensary of Hope, her side hustles, and how she started the Talk to Your Pharmacist Podcast. Mentioned on the Show: Refinance Student Loans Talk to Your Pharmacist Podcast APhA Dispensary of Hope Entrepreneurs on Fire Podcast w/ John Lee Dumas How I Built This Podcast w/ Guy Raz Ted Talks Masters of Scale w/ Reid Hoffman The Science of Success Podcast w/ Matthew Bodnar Health:Further Talk to Your Pharmacist Instagram Residency Bootcamp The ONE Thing: The Surprisingly Simple Truth Behind Extraordinary Beliefs by Gary Keller and Jay Papasan Tony Robbins Gary Vaynerchuk The 7 Habits of Highly Effective People: Powerful Lessons in Personal Change by Stephen R. Covey Audible Good to Great: Why Some Companies Make the Leap and Others Don’t by Jim Collins EntreLeadership Podcast w/ Dave Ramsey Outliers: The Story of Success by Malcolm Gladwell Crush It! Why NOW Is the Time to Cash In on Your Passion by Gary Vaynerchuk Never Split the Difference: Negotiating As If Your Life Depended On It by Chris Voss and Tahl Raz Leading Change by John P. Kotter Pharmacy Advisory Group Talk to Your Pharmacist Facebook Hillary Blackburn Twitter Hillary Blackburn LinkedIn

Tim, Tim and Tim celebrate 100 episodes of the Your Financial Pharmacist podcast by reminiscing about their favorites, talking about the future of the podcast, and hearing updates from several guests and pharmacy entrepreneurs that were previous guests on the podcast. Mentioned on the Show YFP Facebook Group YFP 057: The Power of Automating Your Financial Plan YFP 073: How to Determine the Priority of Investing YFP 059: Life After Debt Free...Now What? w/ Adam & Brittany Patterson YFP 031: One Pharmacist’s Journey to Paying off $211,000 in 26 Months w/ Adam Patterson YFP Planning The Happy PharmD YFP 060: One New Practitioner’s Lessons Learned: Accruing $224,000 of Debt in 7 Years YFP 009: Interview w/ Carrie Carlton Email your favorite episodes or episode ideas to: [email protected] YFP 079: Is It Time to Redefine Retirement? w/ Nick Ornella Young Professionals Guide to a Year Off YFP 050: One Couple’s Journey Paying Off $197,000 of Student Loans in 28 Months w/ Jill & Sylvain Paslier YFP 014: Interview with Derek Schwartz - Debt Free Them Hour YFP 082: Debt Free Theme Hour with the Teacher & Pupil w/ Joe Baker & Blake Johnson YFP 007: Maximizing Your Income w/ Alex Barker YFP 038: The Happy PharmD’s Journey to Becoming Debt Free w/ Alex Barker YFP 092: Creating an Indispensable Pharmacy Career w/ Alex Barker Pharmapreneur Academy How to Build a Pharmacy Consulting Business: Your Rx for Finding Freedom and Loving Your Career by Blair Thielemier, PharmD YFP 039: One Pharmacy Entrepreneurs Journey to Maximizing Income & Paying Off Student Loan debt w/ Blair Thielemier   YFP 089: From Unemployed to Successful Pharmapreneuer w/ Blaire Thielemier The Fit Pharmacist Rx: You!: The Pharmacist’s Survival Guide to Managing Stress & Fitting in Fitness by Adam Martin, PharmD The Fit Pharmacist Healthcare Podcast YFP 091: How to Become a Fit Pharmacist w/ Adam Martin 7 Figure Pharmacist by Tim Church, PharmD and Tim Ulbrich, PharmD RxAshlee YFP 095: Level Up Your Career: An Interview w/ Ashlee Klevens Hayes Real Estate RPH

Tim, Tim and Tim discuss several key financial moves new pharmacy graduates should make. Mentioned on the Show  PolicyGenius 20 Financial Moves Every Pharmacist Should Make YFP 026: Baby Stepping Into Your Financial Plan - The 2 Things to Focus on First YFP 045: How to Determine Your Disability Insurance Needs Protect Your Income YFP 018: Maximizing the Benefits of Public Service Loan Forgiveness YFP 078: Is Pursuing the Public Service Loan Forgiveness Program a Waste? The Ultimate Guide to Pay Back Pharmacy School Loans Student Loan Refinance Calculator Student Loan Quiz 7 Figure Pharmacist by Tim Church, PharmD and Tim Ulbrich, PharmD 14 Practical Ways to Make Extra Money as a Pharmacist in 2019 YFP 098: Lifestyle Creep: The #1 Threat to Growing Your Net Worth YFP Planning

Tim Baker, Tim Church and Tim Ulbrich talk through avoiding lifestyle creep, a simple but powerful philosophy for achieving wealth. Mentioned on the Show Airbnb 7 Figure Pharmacist by Tim Church, PharmD and Tim Ulbrich, PharmD The Millionaire Next Door: The Surprising Secrets of America’s Wealthy by Thomas J. Stanley and William D. Danko The Next Millionaire Next Door: Enduring Strategies for Building Wealth by Thomas J. Stanley and Sarah Stanley Fallaw Ph.D YFP Planning Switch: How to Change Things When Change is Hard by Chip Heath and Dan Heath YFP 057: The Power of Automating Your Financial Plan Join the YFP Community

Richard Waithe, PharmD, joins Tim Church to take a deep dive into discussing his unique career path, his non-traditional pharmacist role and how he’s helping improve patient adherence and health literacy, and some of his side hustles to create multiple streams of income. Mentioned on the Show: Refinance Student Loans RxRadio Instagram VUCA Health RxRadio Podcast First Time Pharmacist: Everything you didn’t learn in school or on-the-job training. By Richard Waithe Richard Waithe on Instagram Richard Waithe on LinkedIn Richard Waithe on Facebook Richard Waithe on Twitter Richard Waithe on Reddit Email Richard: [email protected]

On this episode, Christina Slavonik, CERTIFIED FINANCIAL PLANNER™ and the newest member of the YFP family, joins Tim Baker on the show. Tim and Christina break down how to do a backdoor Roth IRA conversion, a move that most pharmacists should consider making. Mentioned on the Show Pharmacy Graduate Survival Kit tl;dr Indispensable: The Prescription for a Fulfilling Pharmacy Career by Alex Barker First Time Pharmacist: Everything You Didn’t Learn in School or On The Job Training by Richard Waithe 7 Figure Pharmacist Your Financial Pharmacist YFP Planning YFP Blog: Why Most Pharmacists Should Do a Backdoor Roth IRA YFP 093: Highlights from APhA Annual Meeting YFP 073: How to Determine the Priority of Investing

Dr. Ashlee Klevens Hayes, founder of RxAshlee and creator of the Rx Buzz Podcast, joins Tim Ulbrich to talk about her career journey and passion for supporting high-level professionals in creating, launching and landing their dream jobs. Mentioned on the Show Pharmacy Graduate Survival Kit tl;dr Indispensable: The Prescription for a Fulfilling Pharmacy Career by Alex Barker First Time Pharmacist: Everything You Didn’t Learn in School or On The Job Training by Richard Waithe 7 Figure Pharmacist RxAshlee RxAshlee - Instagram YFP - Instagram RxAshlee - LinkedIn Start: Punch Fear in the Face, Escape Average and Do Work That Matters by Jon Acuff Be Fearless: 5 Principles for a Life of Breakthroughs and Purpose by Jean Case

On this debt free theme hour, Tim Ulbrich welcomes Matt & Amy Farley who paid off $207,000 in just under 4 years. They talk about what motivated their journey, how they were able to work together and what’s next now that they are debt free. Mentioned on the Show Airbnb YFP Community The Total Money Makeover: A Proven Plan for Financial Fitness by Dave Ramsey YNAB. YFP Budget Template Every Dollar Mvelopes Mint I Will Teach You To Be Rich by Ramit Sethi The Dave Ramsey Show Podcast YFP Podcast PBS: The Retirement Gamble Your Financial Pharmacist

Tim and Tim interview several APhA conference attendees on the floor of the exhibit hall about their personal finance journey and the highlights of this year’s annual meeting. Mentioned on the Show APhA YFP Blog 7 Figure Pharmacist by Tim Church and Tim Ulbrich YFP Podcast YFP Blog: Why Most Pharmacist Should Do a Backdoor Roth IRA YFP 060: One New Practitioner’s Lessons Learned Accruing $224,000 of Debt in 7 Years w/ Brianne Porter Your Resiliency GPS: A Guide for Growing Through Life and Work by Eileen McDargh YNAB. Use coupon code AYFP19 for 20% off your APhA membership!

On this episode of the Your Financial Pharmacist podcast, Tim Church welcomes Alex Barker back to the show to share some of the highlights of his recent career transition out of pharmacy practice, some tips for pharmacists who are struggling in their careers, and the release of his new book Indispensable: The Prescription for a Fulfilling Pharmacy Career. Mentioned on the Show Enter the Indispensable Giveaway: Leave an iTunes review and send a screenshot of it to [email protected] by March 24, 2019 YFP 038: The Happy PharmD’s Journey to Becoming Debt Free YFP 007: Maximizing Your Income The Happy PharmD Indispensable: The Prescription for a Fulfilling Pharmacy Career by Alex Barker Failing Forward: Turning Mistakes Into Stepping Stones for Success by John C. Maxwell 5 External Reasons Pharmacists Feel Burned Out, And What They Can Do About It by Alex Barker Seth DePasquale’s Pharmacy Inspection Podcast Alex Barker - LinkedIn

On this episode of the Your Financial Pharmacist Podcast, Tim Church interviews Dr. Adam Martin of The Fit Pharmacist about becoming an entrepreneur for another edition of the side hustle series. Adam has been practicing as a pharmacist in the community practice setting for over 7 years in addition to being a certified personal trainer, licensed nutrition consultant, author, speaker, and competitive natural bodybuilder. Mentioned on the Show 7 Figure Pharmacist by Tim Church, PharmD and Tim Ulbrich, PharmD Rx: You!: The Pharmacist’s Survival Guide to Managing Stress & Fitting in Fitness by Adam Martin, PharmD Dr. Joe Klemczewski Dr. Kori Propst Grant Cardone Lewis Howes Tony Robbins Zig Ziglar Tony Guerra Pharmacy Leaders Podcast The Fit Pharmacist Healthcare Podcast Gary Vaynerchuck Deep Work: Rules for Focused Success in a Distracted World by Cal Newport So Good They Can’t Ignore You: Why Skills Trump Passion in the Quest for Work You Love by Cal Newport Follow the The Fit Pharmacist on Instagram Thefitpharmacist.com

On this episode of the Your Financial Pharmacist Podcast, Tim Ulbrich is joined by Tim Church, resident YFP refinance expert and student loan ninja. In addition to a quick recap of the refinancing process, the benefits of refinancing, how to calculate your savings and what to look for in a refinance offer, Tim and Tim give you an update on a new refinance offer available that may save you big. Mentioned on the Show YFP Student Loan Refinance Partners Costco Gold Star Membership Giveaway YFP 029: Refinancing Your Student Loans Part 1 YFP 030: Refinancing Your Student Loans Part 2 YFP 018: Maximizing the Benefits of Public Service Loan Forgiveness YFP 078: Is Pursuing the Public Service Loan Forgiveness Program a Waste? YFP 062: The ‘Other’ Forgiveness Annual Credit Report Better Business Bureau NerdWallet Watch List CommonBond Splash Financial Earnest LendKey Sofi First Republic YFP 044: How to Determine Your Life Insurance Needs YFP Blog: How to Refinance Student Loans Under 2% Through First Republic Bank YFP Refinance Calculator Email YFP With Your Refinance Questions