What if your emergency fund is actually too big? In this week’s episode, Dr. Jimmy Turner and Justin Harvey tackle that question — plus a few more from listeners in another grab-bag style show that blends practical advice with behavioral finance insights. Specifically they tackle:

When to Drop Life & Disability Insurance:
How to decide if you’re truly financially independent enough to cancel term life or long-term disability — and why many physicians pull the trigger too early.

Lease or Buy That New Car?:
With income jumps and lifestyle creep in mind, they unpack whether to lease a luxury SUV or buy something mid-range, how financing fits into a high-income household, and why automating your financial goals should come before upgrading your ride.

The “Too Big” Emergency Fund Debate:
How much cash should high earners keep on hand — and why disagreements over emergency funds often trace back to money stories and emotional experiences around security and scarcity.

From peace-of-mind trade-offs to spousal financial dynamics, this episode dives deep into the intersection of math, mindset, and marriage.

👉 Resources Mentioned:

Free Book: The Physician Philosopher’s Guide to Personal Finance — moneymeetsmedicine.com/freebook

Disability Quotes: moneymeetsmedicine.com/disability

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The Great Reversal

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