This episode is brought to you by Equity Multiple. Dedicated to assisting physicians in simplifying their investment journey, Equity Multiple enables passive investment in vetted, professionally managed commercial real estate. Learn more at www.equitymultiple.com. Infidelity of any kind can wreck a relationship. Behavioral financial planner Shane Tenny talks about financial infidelity, which is more a betrayal and breach of trust than a conflict about the money itself. He explains what it is, how to spot it, how to avoid it and how to recover from it. You can also read his blog on this topic at https://www.sdtplanning.com/blog/financial-infidelity-its-not-about-the-money-its-about-trust.

This episode is brought to you by Equity Multiple. Dedicated to assisting physicians in simplifying their investment journey, Equity Multiple enables passive investment in vetted, professionally managed commercial real estate. Learn more at www.equitymultiple.com. In this episode of the Physician’s Guide to Wealth Podcast, James continues his financial wellness 101 series. in this episode, we explore the essential financial indicators for physicians. James provides actionable insights to help you thrive on your unique medical journey by understanding and leveraging your financial vital signs. Whether you’re a seasoned practitioner or just starting out, these vital signs will guide your financial decisions. Tune in and discover the keys to financial health. Click here to access your free financial wellness 101 playbook Advisory services offered through Commonwealth Financial Network®, a Registered Investment Adviser.

This episode is brought to you by Equity Multiple. Dedicated to assisting physicians in simplifying their investment journey, Equity Multiple enables passive investment in vetted, professionally managed commercial real estate. Learn more at www.equitymultiple.com. In this inaugural episode of the financial wellness 101 series, James takes you on a journey to “get it together forever” financially. Imagine stepping into the shoes of a brand-new IM Wealth client, guided by James himself. No more cookie-cutter solutions from internet gurus—this path is tailored to your terms. As technology and AI reshape our world, James warns the importance of understanding your motivation. Why take control of your money? Beyond fleeting enthusiasm, discover what sustains you when the initial spark fades. Motivation wanes and just how the gyms fill in January and empty in February every year… You must discover what will keep you going after that initial motivation wanes. This IMPACT primer helps you unearth your deeper purpose, empowering you to master your financial vital signs. Tune in and embark on a transformative financial journey—one that aligns with your unique aspirations. Click here to access your free financial wellness 101 playbook Advisory services offered through Commonwealth Financial Network®, a Registered Investment Adviser.

This episode is brought to you by Equity Multiple. Dedicated to assisting physicians in simplifying their investment journey, Equity Multiple enables passive investment in vetted, professionally managed commercial real estate. Learn more at www.equitymultiple.com. In this episode of Contract Diagnostics, Jon discusses the importance of regularly reviewing compensation data with a case study involving a physician named David. David, who annually reviews his compensation using Contract Diagnostics' tools, faced a challenge this year when his employer refused to increase his compensation despite data suggesting he deserved an 8% raise. The employer cited a different data set, leading to a standstill.  Jon emphasizes the need for transparency and routine discussions between employers and employees about compensation reports. He advises asking for detailed reports to understand discrepancies and considering the broader context of compensation, including factors like call duty, case volume, and administrative tasks. Jon also highlights the value of having competing job offers as leverage in negotiations. If faced with resistance, Jon recommends persisting in requesting transparency and utilizing resources like Contract Diagnostics for support. Jon invites individuals to contact Contract Diagnostics through phone, chat, or email for personalized assistance, visit www.ContractDiagnostics.com

This episode is brought to you by Equity Multiple. Dedicated to assisting physicians in simplifying their investment journey, Equity Multiple enables passive investment in vetted, professionally managed commercial real estate. Learn more at www.equitymultiple.com. Today's episode is a special edition featuring a guest from the industry. Join me in welcoming Cole Griggs from Regions Bank. Cole and I often collaborate to find the best mortgage solutions for our clients, and today, he'll share insights on what makes Regions Bank unique. We'll dive into the states Cole covers, including many in the South and Midwest, and explore Regions' professional loan program for various medical and professional fields. Cole will also provide his contact information and discuss how his programs differ from ours at BMO, particularly for clients with lower credit scores or unique financing needs. Tune in for an in-depth discussion on finding the right mortgage fit and learn more about our industry’s collaborative approach to serving you best. Don't miss out on this informative episode! You can reach Cole here: (317)446-0904 Email - cole.griggs@regions.com 

This episode is brought to you by Equity Multiple. Dedicated to assisting physicians in simplifying their investment journey, Equity Multiple enables passive investment in vetted, professionally managed commercial real estate. Learn more at www.equitymultiple.com. In this episode, Doug Crouse delves into the specifics of adjustable rate mortgages (ARMs). I'll explain what a 10/6 ARM is, how these loans are amortized over 30 years, and the importance of the margin and index in determining future rates. We'll also cover the significance of rate caps and how they protect you from drastic interest rate changes. For more details, reach out to me at www.dougcrouse.com or www.dougcrousephysicianloans.com  

This episode is brought to you by Equity Multiple. Dedicated to assisting physicians in simplifying their investment journey, Equity Multiple enables passive investment in vetted, professionally managed commercial real estate. Learn more at www.equitymultiple.com. Elizabeth Landry founded The Med Commons to help physician spouses and partners navigate life in the world of medicine. It can be lonely and isolating at times. Nonmedical friends may not understand the burdens placed on the partner who is trying to hold the family together when the physician partner is working 80 hours per week. They may think the physician family is so lucky when really they are saddled with $350,000 in debt and are juggling money to pay bills during residency.  Elizabeth is trying to bring physician families together so they have community. She is working with residency programs to incorporate physician spouse/partner programs into their wellness programs as family happiness equates to physician happiness, which can help with overall satisfaction, recruiting and retention.  She even has a friending app to help people find others within 50 miles who may understand and be navigating a similar pathway so they can connect. You can learn more at www.TheMedCommons.com. You can also find them on Instagram.

This episode is brought to you by Equity Multiple. Dedicated to assisting physicians in simplifying their investment journey, Equity Multiple enables passive investment in vetted, professionally managed commercial real estate. Learn more at www.equitymultiple.com. We all know it's important to save for our future, but what about today? It is equally important to live our lives in the here and now. As physicians, our time is precious.  This episode is to remind you that it is OK to buy back some time so you can enjoy those people you love, recover from a hard week at work or whatever it is that brings you joy.

This episode is brought to you by Equity Multiple. Dedicated to assisting physicians in simplifying their investment journey, Equity Multiple enables passive investment in vetted, professionally managed commercial real estate. Learn more at www.equitymultiple.com. Join Doug Crouse as he discusses the intricacies of rate locks. Most lenders don't offer a lock and shop, meaning your pre-approval comes with a floating interest rate placeholder. The first opportunity to lock your rate is when you provide a purchase contract with a close date. Exceeding this rate lock can become costly, so it's crucial to consider the duration carefully. Particularly in new construction, where delays are common, padding your rate lock can save you money.  Rate locks are a two-way commitment between you and the lender, so understanding the balance between interest rates and closing costs is essential. Join me as we explore these topics and help you make informed decisions about locking your mortgage rate. If you have questions, Doug is available at DougCrouse.com

This episode is brought to you by Equity Multiple. Dedicated to assisting physicians in simplifying their investment journey, Equity Multiple enables passive investment in vetted, professionally managed commercial real estate. Learn more at www.equitymultiple.com. James Nutter dives into whether you need a financial advisor by introducing a four-step "value equation" inspired by Alex Hermozi. James emphasizes the importance of assessing your dream financial outcomes, your confidence in achieving them alone, the efforts and sacrifices required, and the time it might take. By reflecting on these aspects, you'll gain clarity on whether professional financial help is right for you. The episode also touches on the benefits of having specialized coaches for various aspects of life such as fitness and nutrition, comparing self-managed approaches to professional guidance. If you have any feedback or topics you would like covered, please email James at james@iamwealth.com Advisory services offered through Commonwealth Financial Network®, a Registered Investment Adviser.