Doctors Investor Club Podcast

In this episode of Doctors Investor Club, I sit down with Dr. Blake Miller—trauma-trained orthopedic surgeon and founder of Freedom Functional Medicine—to explore why so many physicians are burning out, why chronic disease continues to rise despite medical advances, and how functional medicine is changing the conversation around health.After years in orthopedic trauma, Dr. Miller realized he was treating broken bones—but not helping patients become truly healthy. That realization led him down a completely different path, studying nutrition, metabolism, hormones, gut health, inflammation, and the root causes of chronic disease.We dive into why physicians are losing curiosity, the shortcomings of today's healthcare system, functional medicine vs. conventional medicine, thyroid health, nutrition, metabolic dysfunction, physician entrepreneurship, and what it really means to build a healthier life—for yourself and your patients.🔑 What You'll Learn:✔️ Why many physicians are burning out in today's healthcare system✔️ Why treating symptoms isn't the same as creating health✔️ The biggest problems with modern medicine today✔️ Why functional medicine focuses on root causes instead of diagnoses✔️ The surprising connection between diet, inflammation, and joint pain✔️ Gluten, dairy, and the foods Dr. Miller removes first✔️ Why "normal" lab values don't always mean you're healthy✔️ The hidden problem with thyroid testing and metabolism✔️ How metabolic health impacts energy, hormones, and longevity✔️ Grounding, creatine, infrared light, and other health optimization tools✔️ Dr. Miller's perspective on GLP-1 medications, peptides, and statins✔️ The importance of remaining intellectually curious as a physiciant✔️ How Dr. Miller built a successful functional medicine practice from scratch✔️ Why physicians should think beyond hospital employment✔️ Practical advice for medical students, residents, and young physicians⏱️ Timestamps:00:00 – Joint pain, diet & questioning conventional medicine01:33 – Meet Dr. Blake Miller03:00 – Becoming an orthopedic trauma surgeon10:00 – Why modern healthcare is failing physicians15:00 – Why Dr. Miller transitioned into functional medicine21:40 – Gluten, dairy & reversing chronic symptoms25:40 – The easiest health changes anyone can make27:00 – Thyroid health & why normal labs can be misleading30:00 – Why most Americans are metabolically unhealthy31:00 – Losing curiosity in medicine32:00 – Rethinking how the human body works38:00 – Grounding, creatine & health optimization39:30 – Statins, cholesterol & metabolic health40:00 – Peptides, GLP-1s & Ozempic44:40 – Building a functional medicine practice48:30 – Faith, purpose & entrepreneurship50:15 – Advice for young physicians53:20 – Rapid-fire questions💥 About Dr. Blake Miller:Dr. Blake Miller is a board-certified orthopedic trauma surgeon turned functional medicine physician and the founder of Freedom Functional Medicine. His mission is to help patients address the root causes of chronic disease by focusing on nutrition, metabolic health, hormones, gut health, lifestyle, and preventive medicine rather than simply managing symptoms.Through his clinical practice and educational content, Dr. Miller empowers patients and physicians to think differently about health, healing, and long-term wellness.📲 Learn More:🌐 Doctors Investor Club:https://doctorsinvestorclub.com🌐 Physician Financial Education & InvstRx:https://invst.com/rx🌐 Dr. Kyle’s Resources:https://investwithdrkyle.com▶️ Subscribe on YouTube:https://www.youtube.com/@kyle.stephenson21🌐 Connect with Dr. Kyle Stephenson on social media to stay updated on expert insights and strategies, and schedule your personalized consultation today to start building your path to financial freedom:🔍 Instagram: @dr.kylestephenson🔍 LinkedIn: Kyle Stephenson, D.O.🔍 Schedule a call & access resources: https://linktr.ee/Dr.KyleStephenson

In this episode of Doctors Investor Club, I sit down with Geoff Thomas, Personal Wealth Builder at INVST, to discuss how physicians can build a more complete financial system—one that goes beyond stocks and retirement accounts and focuses on cash flow, protection, tax efficiency, and long-term wealth creation.With over two decades of experience in financial services, Geoff shares practical insights on why many high-income professionals struggle financially despite earning great incomes, how wealthy families think differently about money, and why financial organization is often the missing link in a physician's wealth-building journey.We dive deep into cash flow versus net worth, the role of whole life insurance in a wealth strategy, the concept of velocity of money, legacy planning, oil & gas investing, and how physicians can create an efficient capital management system that allows money to work harder and smarter over time.🔑 What You'll Learn:✔️ Why many physicians struggle financially despite high incomes✔️ The importance of financial organization and cash flow management✔️ Why cash flow matters more than net worth✔️ The three habits wealthy families consistently follow✔️ How to think about protection before investing✔️ Term life insurance vs. cash value whole life insurance✔️ Why most term policies never pay out✔️ The concept of Becoming Your Own Banker✔️ How velocity of money can accelerate wealth building✔️ Using whole life insurance as a multidimensional asset✔️ Legacy planning and creating a family banking system✔️ Tax-efficient wealth strategies for physicians✔️ How oil & gas investments differ from real estate investments✔️ The 5 criteria Geoff uses to evaluate alternative investments✔️ Why sponsor selection matters more than the investment itself✔️ How wealthy families think about risk, leverage, and cash flow✔️ Building an efficient capital management system✔️ Why physicians need a personal CFO mindset⏱️ Timestamps:00:00 – What banks do with your money & velocity of money01:33 – Meet Geoff Thomas03:38 – Geoff's background in finance & alternative investments06:00 – Financial intelligence for physicians07:26 – The importance of financial organization08:37 – Why doctors struggle to keep money10:30 – Thinking like the wealthy11:47 – Cash flow vs net worth14:35 – Term life vs whole life insurance16:45 – Why most term policies never pay out18:15 – Whole life insurance as an asset20:20 – Convertible term policies explained22:55 – Velocity of money & becoming your own banker24:40 – Using cash value for investing opportunities25:00 – Legacy planning & generational wealth27:00 – The Rockefeller strategy29:20 – Tax strategies beyond real estate30:00 – Understanding oil & gas investing30:27 – The 5 legs of a successful investment32:30 – Mineral rights vs drilling operations34:30 – Income & growth oil investments36:40 – Managing risk in oil & gas39:30 – Tax advantages of oil & gas investments41:30 – Why wealthy people don't chase home runs43:30 – Building a complete wealth system44:00 – How financial advisors should be compensated46:45 – Financial chess vs financial checkers49:00 – Personal CFO vs financial advisor51:15 – Creating efficient capital management52:45 – The 3 habits of wealthy families53:00 – Building your personal board of directors💥 About Geoff Thomas:Geoff Thomas is a Personal Wealth Builder at INVST with more than 20 years of experience in financial services. Drawing from his background in corporate finance, private real estate, alternative investments, and wealth management, Geoff helps physicians, business owners, and high-income professionals create comprehensive wealth strategies focused on cash flow, protection, tax efficiency, and long-term legacy planning.Instagram: Geoff_invst LinkedIn: Geoff ThomasWebsite: https://invst.com/📲 Learn More:🌐 Doctors Investor Club:https://doctorsinvestorclub.com🌐 Physician Financial Education & InvstRx:https://invst.com/rx🌐 Dr. Kyle’s Resources:https://investwithdrkyle.com▶️ Subscribe on YouTube:https://www.youtube.com/@kyle.stephenson21🌐 Connect with Dr. Kyle Stephenson on social media to stay updated on expert insights and strategies, and schedule your personalized consultation today to start building your path to financial freedom:🔍 Instagram: @dr.kylestephenson🔍 LinkedIn: Kyle Stephenson, D.O.🔍 Schedule a call & access resources: https://linktr.ee/Dr.KyleStephenson

In this episode of Doctors Investor Club, I sit down with Scott Jarred, CFP, CEPA — Founder & CEO of INVST, author of Accelerate and Future Hack — to break down how physicians can truly take control of their money, increase their financial IQ, and stop losing wealth to hidden inefficiencies.Scott brings a powerful perspective from years of working with high-income professionals, athletes, and business owners — helping them understand not just how to make money, but how to keep it, grow it, and make it work efficiently.This conversation goes deep into the real reasons doctors struggle financially despite high income, the hidden “leaks” draining their wealth, and how concepts like velocity of money and compounding can be used the right way to build long-term, sustainable wealth.🔑 What You’ll Learn: ✔️ Why making more money doesn’t solve financial problems ✔️ The concept of “lost money” and where physicians unknowingly leak wealth ✔️ The 4 major headwinds: taxes, inflation, interest, and opportunity cost ✔️ Why most doctors feel stuck despite high income ✔️ How to organize your financial life like a business ✔️ The importance of protecting your income and assets first ✔️ How financial institutions are designed to use your money — not optimize it ✔️ The truth about 401(k)s and why order of operations matters ✔️ What “velocity of money” really means (and how to use it correctly) ✔️ Why compound interest only works if you don’t interrupt it ✔️ How to avoid emotional investing and make smarter decisions ✔️ Why financial education — not just products — is the real solution⏱ Timestamps: 00:00 – The power of compound interest & velocity of money 01:00 – Podcast intro 02:00 – Introducing Scott Jarred & InvestRx 03:00 – NFL Draft story & discipline mindset 06:00 – Physicians vs athletes: income & responsibility 07:45 – Why doctors struggle to keep money 09:00 – Emotional vs intelligent financial decisions 11:00 – Physician burnout & lack of financial education 12:30 – What makes INVST different 14:00 – Designing your life vs following the system 16:00 – Why doctors delay financial awareness 18:00 – The harsh reality: high income ≠ wealth 19:00 – The 4 headwinds to building wealth 21:00 – Where your money actually goes 23:00 – Finding “lost money” in your system 24:00 – Why organization is everything 26:00 – Financial institutions & the rules of the game 28:00 – The truth about 401(k)s 30:00 – How banks really use your money 32:00 – Getting your financial life in the right order 33:30 – Protecting your biggest asset: your income 36:00 – Why most people do things out of order 37:00 – Understanding velocity of wealth 39:00 – Using money multiple times (compound + leverage) 41:00 – Rules for smart investing & avoiding bad deals 43:00 – Hidden costs: taxes, fees, and volatility 45:00 – Risk vs risk-free strategies 48:00 – Education vs product-based advice 49:30 – Learning sooner = massive advantage 51:00 – Building generational wealth through education💥 About Scott Jarred: Scott Jarred is the Founder & CEO of INVST, a financial firm focused on helping high-income professionals build efficient, intentional wealth. With a deep understanding of financial systems, Scott specializes in helping clients organize their financial lives, eliminate inefficiencies, and implement strategies that maximize control, flexibility, and long-term growth.📲 Learn More:🌐 Doctors Investor Club:https://doctorsinvestorclub.com🌐 Physician Financial Education & InvstRx:https://invst.com/rx🌐 Dr. Kyle’s Resources:https://investwithdrkyle.com▶️ Subscribe on YouTube:https://www.youtube.com/@kyle.stephenson21🌐 Connect with Dr. Kyle Stephenson on social media to stay updated on expert insights and strategies, and schedule your personalized consultation today to start building your path to financial freedom:🔍 Instagram: @dr.kylestephenson🔍 LinkedIn: Kyle Stephenson, D.O.🔍 Schedule a call & access resources: https://linktr.ee/Dr.KyleStephenson