That's for sure!

Yes exactly.

Podcast

Parts 1 - 6 are available as of now, two to go!

You can find them here:

www.olsonfp.com/podcast

AI can be helpful, but it can also be wrong

We’ve already seen it send back incorrect info to clients

If you don’t know how to verify it, that’s a problem

That’s why having a human in the loop matters

Covered in today’s new episode:

You don’t need 3-6 months saved right now

Start with $1,000

Then build toward one month of expenses

That’s how you create stability during intern year

From today’s new episode

(Part 6 of the new intern money series):

AI can give you (sometimes accurate) answers, but it doesn’t give you judgment

It won’t:
- read between the lines
- pick up on hesitation
- challenge you when you need it

That’s where real financial planning happens

From tomorrow’s new episode:

Everyone has access to the same information now

That’s not the edge anymore

The edge is empathy, communication, and understanding the person sitting across from you

That’s what actually drives good money decisions

That’s the conversation on this week's new episode

You should spend some money while in training

But do it on purpose

Build it into your plan

That’s how you enjoy life without losing control

From today's new episode - part 5 of the new intern money series:

Some of your first financial decisions as a doctor:

• Health insurance
• HSA vs FSA
• Disability
• Retirement match

Your employer benefits are part of your compensation

If you don’t understand them, you’re leaving money on the table

From part 4 of the new intern money series:

Regarding Roth vs. pre-tax accounts

If you’re in the top tax brackets today, there’s a strong case to:

• Go pre-tax now
• Convert later in lower-income years
• Control your tax brackets in retirement

The end goal is flexibility, and there are a lot of different paths to get there

HSAs can be amazing

But before you chase the triple tax advantage, ask yourself:

Can I comfortably afford a high deductible plan?

If not, the strategy starts to fall apart fast

If your plan is:

Buy a rental property → eliminate W-2 taxes

You're missing part of the equation

There’s a lot more that has to happen before that works

From the newest episode of Physician Cents

You just matched

Alongside investing or paying off loans, there’s another area of personal finance you should understand:

Protecting your future income

Disability insurance is a lot more important than most new doctors realize

New episode out today

A lot of physicians assume multiple retirement plans = multiple limits

Not always

403(b) + 401(k) share the same employee contribution cap

For 2026: $24,500 total

We explain more on the latest episode of Physician Cents:

Private student loans during residency can be tricky

Lower interest rates sound great, but the loan terms matter just as much

Your financial decisions during training don’t have to be perfect

They just have to keep you afloat until attending income arrives

From today’s new episode:

Quick investing note for physicians:

Your taxable account has no contribution limits

Which is why it often becomes your largest account

One thing we often look at for high earners: municipal bonds

More on the latest Physician Cents episode

Post-Match Financial Education Webinar is on Friday April 10th from 1:30 - 3:30pm ET. The cost is free. The live session will include a panel of experienced financial professionals who specialize in working with physicians.

Soon to be new interns -

Financial education is critical for your start to residency.

Come learn with us!

Sign up here:

olsonfp.com/webinar

Nearly 60% of new attendings leave their first job.

And you think buying a home right out the gate is a good idea??

Intern year is stressful enough

Your student loans don’t need to add to it

With proper planning, you can keep payments low and focus on what matters during residency

Part 1 of an 8 episode series:

They’ve built a $3,000,000+ net worth

They have a low mortgage rate & strong income

So why do they want to pay it down?

Because math isn’t the only variable

From today’s new episode (listen on Apple or Spotify)

The scenario you describe is definitely not a good idea.

First off, Roth conversion planning is best done within the context of one's income, since that dictates how much tax is due (see tax brackets).

But as for paying the tax, the decision also needs to be made after careful cashflow analysis.

S-Corps can save you money in taxes

But the costs can be more than the potential savings

It depends on your income, your state, and the extra fees

Don’t set one up because someone on social media told you to

Run the numbers & make an informed decision

You can't out-save bad tax planning

I’ve seen physicians stockpile cash all year, then get hit with penalties because they didn’t pay quarterly

The IRS doesn’t care that you meant to pay earlier

If you have 1099 or partner income, this matters

From the next episode of Physician Cents:

If you’re not saving 20% of your income, are you behind?

That’s the rule of thumb you’ve probably heard

But that number might not actually fit your life, income, or goals

In today's new episode, Ronnie and I unpack why context matters more than the headlines

Listen on Apple or Spotify

New episode is out

I share two common pitfalls for new attendings and the steps that help you enjoy your new income (without putting future flexibility at risk)

Going from $70k to $300k income is a huge milestone, but the early decisions you make matter more than most realize

Can AI replace a financial advisor?

It can run calculations & projections faster than any human

But financial planning has never been just about the math..

In today's episode, I talk about the value advisors bring and why the best outcomes often come from combining tools with thoughtful guidance

Community property rules are confusing

That does not mean you are doing anything wrong

It just means you need a plan and the right help

If you're married, have student loans, and live in a community property state, you need a student-loan-aware tax accountant

New episode out now:

If you’re in medicine, relocation is not a maybe, it’s a "when"

Med school. Residency. Fellowship. Attending.

Yet it still catches so many people off guard

Today's new episode is all about preparing for relocation and the costs that come with it

Listen on Apple or Spotify

New episode is out

I sat down again with Tyrone Ross to talk about the practicality of Bitcoin and blockchain

We talk about why sending money is still expensive, what “better rails” actually means, and why institutions are paying attention now

Listen on Apple or Spotify

This episode is about momentum

You graduate with big loans.
Your income jumps.
Life expenses stack up fast.

I share a 6-step roadmap for new attendings who want to build stability, invest early, and still enjoy their life along the way

Listen on Apple or Spotify