In this episode, I talk about relocation expenses and why they consistently catch physicians off guard, even though we all know the moves are coming. The challenge is not just the cost. It's the timing, the repetition, and the fact that it shows up alongside student loans, low income, and already tight cash flow.

Even if saving is limited, or debt is unavoidable, knowing what's coming can make the transition easier to manage mentally and financially.

In this episode, I’m joined again by my friend and colleague Tyrone Ross. This isn’t about hype, predictions, or telling anyone what they should or shouldn’t invest in.

It’s about understanding what’s actually happening in the background and why this technology keeps showing up in the financial system whether we like it or not.

We talk about the real world utility of blockchain, why it's still expensive and frustrating to move money, and what “better rails” actually means. We also discuss why banks, institutions, and regulators are paying attention now, how stablecoins fit into the picture, and what role Bitcoin may or may not play in a thoughtful investment strategy.

Nothing in this episode is about going all in. It’s about learning, reducing fear, and understanding how new financial technology is slowly becoming part of everyday life.

In this episode, I walk through a practical 6-step path for physicians who are starting their careers with significant student debt and want to build toward a 7-figure net worth. This stage can feel slow, frustrating, and uncertain, but with the right structure, discipline, and priorities, the transition from negative net worth to financial momentum is absolutely achievable. You’ll learn:

• How to choose a repayment approach that actually fits your life
• Why protecting yourself with cash reserves and insurance comes first
• How lifestyle guardrails help prevent overspending as income rises
• Why investing early matters, even while paying off debt