MtoM #236: Physician Takes a Youth Sports Team to the State Championship and Finance 101: Sequence of Returns Risk
Aug 18, 2025
A physician celebrates coaching a youth hockey team to a state championship, blending passion with financial success. His pursuit of financial independence has allowed him to prioritize family and coaching. The discussion shifts to sequence of returns risk, shedding light on its impact on retirement portfolios. Listeners learn strategies to mitigate this risk and the importance of a solid financial plan for stability in changing markets. The transformative journey from debt to financial empowerment rounds out this enlightening conversation.
34:23
forum Ask episode
web_stories AI Snips
view_agenda Chapters
auto_awesome Transcript
info_circle Episode notes
question_answer ANECDOTE
State Championship Hockey Run
Adam coached his son's squirt (9–10) travel hockey team to the Wisconsin State Championship this year.
He credits hard-working kids, travel to Minnesota, and strong team culture for the success.
question_answer ANECDOTE
Four-Day Workweek Without A Pay Cut
Adam shifted his clinical schedule to four days a week to create family and coaching time without losing pay.
He booked patients efficiently and negotiated production-based scheduling to avoid income loss.
volunteer_activism ADVICE
Max Out Accounts Early
Maximize every retirement account and employer options early and consistently to accelerate retirement progress.
Pay yourself first, then live on the remainder to force savings discipline.
Get the Snipd Podcast app to discover more snips from this episode
Today we are talking with a doc who is celebrating the youth hockey team he coaches winning a state championship. He tackled his financial goals early and has reached coast FIRE. That financial security has allowed him to change his work schedule to make enough time for family and coaching. He is a great example of the power of getting your finances in line and how that allows you to create the life you want! After the interview we will be talking about sequence of returns risk (SORR) for Finance 101.
This podcast is sponsored by Bob Bhayani at Protuity. He is an independent provider of disability insurance planning solutions to the medical community in every state and a long-time white coat investor sponsor. He specializes in working with residents and fellows early in their careers to set up sound financial and insurance strategies. If you need to review your disability insurance coverage or to get this critical insurance in place, contact Bob at https://whitecoatinvestor.com/protuity today, by email info@protuity.com or by calling (973) 771-9100.
The White Coat Investor has been helping doctors, dentists, and other high-income professionals with their money since 2011. Our free personal finance resource covers an array of topics including how to use your retirement accounts, getting a doctor mortgage loan, how to manage your student loans, buying physician disability and malpractice insurance, asset allocation & asset location, how to invest in real estate, and so much more. We will help you learn how to manage your finances like a pro so you can stop worrying about money and start living your best life. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you!
White Coat Investor Podcast