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Finding Financial Freedom with The Frugal Physician - Finance, Wellness, Budget, Student Loans, Wealth, Doctor, Fitness, Money

by Dr. Disha Spath, MD, FACP

Financial Freedom and Peace of Mind. For all of us. A podcast by The Frugal Physician for healthcare professionals looking to get their financial house in order and design their ideal lives.

Publisher-supplied feed metadata · PodParley refreshed Mar 5, 2026 · Source feed

Episodes

  1. Ep115: From Employed to Empowered: Building Wealth & Freedom Through DPC

    In this bonus episode (a co-air with the WealthMindedMD podcast), Dr. Disha Spath sits down with Dr. Lisha Taylor and Dr. Brittne Halford to talk about what it really takes to move from employed medicine to owning your own Direct Primary Care practice. Dr. Spath shares her personal journeys of...

  2. Ep114: How Doctors Can Access Fair Loans and Build Successful Practices: Financial Freedom with Doc2Doc CEO Dr. Zwade Marshall - Part 2

    This is Part 2 of our conversation with Dr. Zwade Marshall and the final episode for a while as Dr. Disha begins a new chapter, opening her own Direct Primary Care practice. Dr. Zwade Marshall is an Emory and Harvard trained anesthesiologist, interventional pain specialist, CMO of Regenerative...

  3. Ep113: How Doctors Can Access Fair Loans and Build Successful Practices: Financial Freedom with Doc2Doc CEO Dr. Zwade Marshall

    In today's episode, Dr. Disha Spath sits down with Dr. Zwade Marshall—Emory- and Harvard-trained anesthesiologist, interventional pain specialist, CMO of Regenerative Spine and Pain Specialists, and co-founder/CEO of Doc2Doc Lending, a lending platform built by doctors for doctors. Dr. Marshall...

  4. Ep112: Turning Fear into Financial Freedom: Dr. Elaine Stageberg on Building Passive Income

    In this inspiring episode of Finding Financial Freedom, host Dr. Disha Spath sits down with Dr. Elaine Stageberg, co-owner and principal of Black Swan Real Estate, to explore how she turned one rental property into a half-billion-dollar real estate empire—all while raising five kids and…

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  5. Ep111: Medical Student Debt after OBBB: RAP Rules, PSLF Updates, and Refi Strategy

    Big changes are here for student loans—and if you're a doctor, student, or high-debt professional, this episode could save you thousands. Dr. Disha Spath sits down with Aaron Smith, co-founder of Savi and longtime student loan policy advocate, to break down the One Big Beautiful Bill Act and what...

  6. Ep110: How to Start a Physician-Owned MSO for Direct Primary Care: Legal Guardrails, Employer Contracts & Growth Tips with Dr. Natalie Gentile

    Most physicians dream of independence but dread the isolation and heavy lift of running a solo practice. What if there were a way to share infrastructure, lighten the load, and still maintain your autonomy? In this episode, Dr. Disha Spath sits down with special interviewer Dr. Dan Sooriabalan…

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  7. Ep109: Your 401(k) Isn't Free: How to Find and Cut Hidden Fees (Form 5500 Guide for Doctors)

    Most of us assume our 401k plans are free because we never see a bill. But hidden fees—record keeping, custodial, administration, and advisory costs—can silently erode your retirement savings over time. In this episode, Dr. Disha Spath sits down with forensic 401k consultant Paul Sippel to…

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  8. Ep108: Direct Primary Care: Dream Job or Disaster? Lessons from Burnout to Building a Thriving DPC Practice with Monica McKittrick

    Is burnout making you question your future in medicine? You're not alone. For many physicians, the pressures of traditional healthcare lead to stress, exhaustion, and a loss of purpose. But what if there was another way? In this powerful episode of The Finding Financial Freedom Podcast, host Dr....

  9. Ep107: Maximize Your HSA: How Smart Health Plan Choices & Price Transparency Can Boost Retirement Savings

    Welcome back to the Finding Financial Freedom Podcast with Dr. Disha Spath. Today, we're joined by Carl Hall CFA, a wealth advisor at CapTrust who helps individuals and families manage their financial lives and achieve their unique goals. CapTrust specializes in delivering financial planning,...

  10. Ep106: That One Big Beautiful Bill (OBBB): Taxes, Loans, and DPC Eligibility

    In this episode, Dr. Disha Spath is joined by his husband Josh Spath to break down the sweeping legislation dubbed "The Big Beautiful Bill," passed on July 4th—and what it could mean for your medical practice, finances, and future. From Medicaid and CHIP cuts to student loan shifts and personal…

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  11. Ep105: The Mindset of the Entrepreneurial Physician with Dr. Ryan Smolarz

    Welcome back to the Finding Financial Freedom Podcast with Dr. Disha Spath. Today's guest is Dr. Joseph Ryan Smolarz, M.D., M.B.A.—a board-certified surgeon turned social entrepreneur with a powerful story of reinvention. In this episode, Dr. Ryan shares his candid financial journey, from the...

  12. Ep104: Retire Often: How Mini-Retirements Can Supercharge Your Life and Career

    Welcome back to Finding Financial Freedom with Dr. Disha Spath! In today's episode, we're reimagining the traditional path to retirement with the powerful idea of mini-retirements. Instead of waiting decades to enjoy your life, what if you could take intentional breaks throughout your career to...

  13. Ep103: How to Build a Profitable Direct Primary Care Practice Without Burnout with Dr. Una of EntreMD

    In this episode of the Finding Financial Freedom Podcast, Dr. Disha Spath is joined by powerhouse physician entrepreneur Dr. Nneka Unachukwu, also known as Dr. Una—board-certified pediatrician, bestselling author, and founder of EntreMD. Dr. Una built a seven-figure business while practicing...

  14. Ep102: Getting Sued as a Doctor: Malpractice Lawsuits, Legal Strategy & Expert witness work with Dr. Stephen Cohen

    Welcome back to the Finding Financial Freedom Podcast with Dr. Disha Spath. Today's episode features a powerful and insightful conversation with Dr. Stephen Cohen—a seasoned physician and educator who's been through the highs and lows of a medical career, including facing legal challenges…

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  15. Ep101: Does Money Buy Happiness?..with Dr. Elisa Chiang

    "Can money really buy happiness, or just comfort?" Let's find out in today's episode. Welcome back to the Finding Financial Freedom Podcast with Dr. Disha Spath. In this episode, we're doing something special—a collaborative episode with Dr. Elisa Chiang, host of the Grow Your Wealthy Mindset...

  16. Ep100: 100th Episode Special: From Burnout to New Beginnings – Why I'm Starting a DPC Practice

    Welcome back to the Finding Financial Freedom Podcast with Dr. Disha Spath. Today, we're celebrating a major milestone—our 100th episode! In this special edition, Dr. Disha is joined by her husband and guest host, Josh, for a heartfelt conversation that traces her journey from burnout to bold new...

  17. Ep99: Investing in Residential Assisted Living with Dr. Alex Schloe

    In this episode of the Finding Financial Freedom Podcast, we sat down with Dr. Alex Schloe, a physician and real estate investor who transitioned from a traditional path in medicine to a life of autonomy and financial freedom. If you're a physician seeking more control over your time, career, and...

  18. Ep98: Reclaiming Joy in Medicine — How to Build a Life You Love Without Leaving Healthcare

    Is burnout stealing your joy in medicine? You're not alone—and you don't have to settle. In this inspiring episode of The Finding Financial Freedom Podcast, Dr. Disha Spath sits down with Dr. Cory Fawcett—retired surgeon, physician coach, and author of The Doctors Guide series—to explore how...

  19. Ep97: Recession-Proof Your Physician Finances: Expert Tips from Dr. Nisha Mehta

    Welcome back to part two of our interview with Dr. Nisha Mehta on the Finding Financial Freedom Podcast! Today, we dive into the financial side of being a physician. Dr. Nisha shares valuable insights on how physicians can build long-term financial security, prepare for economic recessions, and...

  20. Ep96: Physician Community, Side Gigs, and Empowerment: Dr. Nisha Mehta's Journey

    Welcome back to the Finding Financial Freedom Podcast with Dr. Disha Spath. Today, we're joined by Dr. Nisha Mehta, a radiologist, nationally recognized thought leader in physician finance, and founder of Physician Side Gigs—a thriving community of over 200,000 physicians. In this episode, Dr....

  21. Ep95: From Burnout to Breakthrough: How Dr. Marina Capella Built a Thriving Pediatric Direct Primary Care Practice

    Defy gravity and take control of your practice! It's time to break free from the corporate track and step into the world of Direct Primary Care. No more restrictions—just you, your patients, and the freedom to practice on your terms. Doctors, are you ready to rise? Today, we sat down with Dr....

  22. Ep94: Navigating the Financial Leaps in Medical Training - From Medical Student to Resident to Attending

    Welcome back to the Finding Financial Freedom Podcast with Dr. Disha Spath. Today, we're joined by Amy Holbrook, Associate Program Director at Abbott Northwestern Internal Medicine Residency Program and Chair Elect of the National ACP Council. Dr. Amy is passionate about helping new attendings...

  23. Ep93: What's Changing in the Disability Insurance Landscape with Dr. Stephanie Pearson

    In this episode of the Finding Financial Freedom Podcast, we sit down with Dr. Stephanie Pearson, a former physician turned disability insurance advocate. After experiencing firsthand the financial consequences of inadequate coverage, she now helps medical professionals secure the right…

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  24. Ep92: From Nursing to Financial Freedom: How Budgeting Can Transform Your Life with Kristin Wade

    Welcome back to the Finding Financial Freedom Podcast with Dr. Disha Spath. Today we interviewed Kristin Wade, a registered nurse turned certified budget coach, to discuss how zero-based budgeting can transform your finances. In 2023, Kristin began working for MyBudgetCoach to help the world fall...

  25. Ep91: What Every Resident Physician Must Know About Guaranteed Standard Issue Disability Insurance with Jamie Fleischner

    In this episode of the Finding Financial Freedom Podcast, we interviewed Jamie Fleischner, founder of Set for Life Insurance, who has helped thousands of professionals secure the right disability coverage. If you're a physician or high-earning professional, protecting your financial future is...

  26. Ep90: From Medicine & Marketing to Million-Dollar Real Estate with Dr. Gelerie and Erik - Part 2

    In this episode of the Finding Financial Freedom Podcast, Erik and Gelerie Stenbakken share the next chapter of their inspiring real estate journey. From saving for their dream home to transitioning into real estate investing, they reveal how they scaled from long-term rentals to a thriving...

  27. Ep89: From Medicine & Marketing to Million-Dollar Real Estate with Dr. Gelerie and Erik

    In this episode of The Finding Financial Freedom Podcast, we sit down with Dr. Gelerie, an anesthesiologist with 20 years in the medical field, and Erik, an expert in teaching, marketing, PR, and photography. Together, they share their journey into real estate—how they started, the challenges…

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  28. Ep88: Retirement Planning Secrets: Building Your Paycheck & Finding Fullfillment with Fritz Gilbert

    In this episode of Finding Financial Freedom Podcast, Dr. Disha Spath sits down with Fritz Gilbert, founder of The Retirement Manifesto and award-winning blogger, to uncover the secrets of a successful retirement. Fritz shares how he planned his early retirement, built financial security, and...

  29. Ep87: How Direct Primary Care is Breaking Barriers in Healthcare with Dr. Josh Umbehr - Part 2

    In this episode, we continue our insightful conversation with Dr. Josh Umbehr, founder of Atlas MD, to explore how Direct Primary Care (DPC) is transforming healthcare. From building a scalable electronic medical record (EMR) system to addressing the barriers of traditional insurance, Dr. Umbehr...

  30. Ep86: How Direct Primary Care is Breaking Barriers in Healthcare with Dr. Josh Umbehr - Part 1

    In this episode of the Finding Financial Freedom podcast, we sit down with Dr. Josh Umbehr, founder of Atlas MD and a pioneer in the field of direct primary care (DPC) , often referred to as "concierge medicine." With over 1,700 doctors nationwide on their platform, Atlas MD is revolutionizing…

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  31. Ep85: Financial Freedom with Land Investing: How Dr. Mamta Kumar Built 7-Figure Passive Income Streams

    In this episode of Financial Freedom Podcast, join Dr. Disha Spath and guest, Dr. Mamta Kumar as they uncover how land investing can help you design a life that reflects your core values. Dr. Mamta shares her inspiring journey from medicine to real estate, the challenges she overcame, and how…

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  32. Ep84: Mastering the Billing Side of Medicine: Avoiding Billing Pitfalls & Building a Sustainable Practice

    In this episode of The Frugal Physician, Dr. Heather Signorelli shares her expertise on managing the business side of medicine. As a board-certified pathologist, physician executive, and co-founder of NatRevMD, Dr. Signorelli has helped healthcare practices boost revenue by over 25%. She…

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  33. Ep83: Military Money Hacks: Doug Nordman on Early Retirement & Smart Savings

    In this episode of the Financial Freedom Podcast, we welcome Doug Nordman, a retired U.S. Navy submariner, author, and financial independence advocate. Doug shares his inspiring journey to early retirement, practical tips for frugal living, and strategies for raising financially literate kids to...

  34. Ep82: Leaning Out with Dr. Dawn Baker: Work-Life Balance, Burnout Recovery, and Success Redefined

    In this inspiring episode of the Finding Financial Freedom Podcast, guest Dr. Dawn Baker—physician, writer, speaker, and coach—shares her transformative journey from relentless achievement to finding work-life balance. After facing a cancer diagnosis, Dawn redefined her career and personal...

  35. Ep81: Empower Your Wallet with Prisca Benson

    In this episode of Finding Financial Freedom Podcast, join Dr. Disha Spath and Prisca Benson, a nurse and money coach, as they explore the path to financial freedom and teach you ways on how to take charge of your own money. Prisca shares how she turned debt into $370K in investments, simplified...

  36. Ep80: From Railroad Tracks to Critical Care: Dr. Carla Rotering on Redefining Thriving, Leadership, and Financial Freedom as a Woman Physician

    In this episode of Finding Financial Freedom, Dr. Disha Spath sits down with Dr. Carla Rotering, a renowned pulmonologist and leadership coach, to explore her inspiring journey as a woman physician navigating the challenges of medicine, motherhood, and financial freedom. Dr. Carla shares…

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  37. Ep79: Asset Protection through LLC's and the Corporate Transparency Act

    In this episode of Finding Financial Freedom, Dr. Disha Spath welcomes Ted Sutton, a licensed attorney with Corporate Direct, and Garrett Sutton, founder of Corporate Direct and the Sutton Law Center, to discuss how physicians and professionals can take control of their financial futures. From...

  38. Ep78: Buying, Running, and Selling Businesses with David Barnett

    In this episode of Finding Financial Freedom, author and entrepreneur David Barnett navigates the ins and outs of buying, running, and selling small to medium sized businesses. With years of hands-on experience, David offers insights designed to explain the complexities of entrepreneurship,...

  39. Ep77: What An Incoming Trump Administration Means For Your Student Loans

    In this comprehensive episode of Finding Financial Freedom with The Frugal Physician, Dr. Disha Spath hosts Travis Hornsby, founder and CEO of Student Loan Planner, to explore the current landscape of student loans and repayment strategies for high-debt professionals. With over $800 million in...

  40. Ep76: Maximizing Retirement Savings for Solopreneurs and Side Hustlers with the Solo 401k

    Hosted by: Dr. Disha Spath Guest: Sean Mullaney, Advice-Only Financial Planner and Author of The Solo 401k: The Solopreneur's Retirement Account This episode is sponsored by PearsonRavitz– Helping physicians safeguard their most valuable assets. This episode is also sponsored by FacetWealth–...

  41. Ep75: The Purpose Code: Unlocking Meaning and Maximizing Happiness with Dr. Jordan Grumet

    In this episode of Finding Financial Freedom with The Frugal Physician, host Dr. Disha Spath sits down with Dr. Jordan Grumet, a distinguished physician and the creator of the award-winning Earn & Invest podcast. Together, they explore Dr. Grumet's latest book, The Purpose Code, which provides an...

  42. Ep74: Holistic Stress Management for Heart Health: Cardiologist's Guide to Meditation and Spiritual Wellness

    In this episode, Dr. Disha Spath discusses heart health and stress management with cardiologist Dr. Disha Mookherjee. Dr. Mookherjee shares insights into reducing stress and preventing heart disease through meditation, spiritual wellness, and holistic approaches. Rooted in personal experiences…

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  43. Ep73: How to Pick a Financial Advisor (and Not Get Ripped Off)

    In this episode of Finding Financial Freedom with The Frugal Physician, Dr. Spath is joined by Dr. Rikki Racela, a neurologist based in Englewood, NJ. Dr. Racela shares his journey from financial illiteracy to financial empowerment, discussing the mistakes he made early in his career—like falling...

  44. Ep72: Former Reporter, Sammi Sosa Norman, Quit Her Job, Paid Off Debt, and Became a Financial Coach

    Dr. Disha welcomes Sammi Sosa Norman, founder of Skate2Wealth, to discuss her inspiring journey from financial struggle to financial freedom. Growing up in a low-income household, Sammi witnessed firsthand the challenges of money management. Despite accumulating over $150,000 in student loan debt...

  45. Ep71: College Savings: How to Plan, Save, and Maximize Aid Eligibility

    Saving for college can feel like a daunting challenge for many parents, especially with tuition costs rising faster than inflation. In this episode, Dr. Disha breaks down a variety of college savings options and discusses the pros and cons of each, along with their impact on financial aid...

  46. Ep70: Direct Ownership of Residential Real Estate

    Dr. Disha highlights how real estate investing aligns with her values and offers a powerful way to build wealth. She emphasizes the financial benefits of rental properties, including monthly cash flow, leveraging loans for greater returns, and protection against inflation. Additionally, she…

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  47. Ep68: Can You Truly Afford That House? 2 Ratios Every Physician Must Know

    Dr. Disha tackles a recurring question in physician finance groups: "Can I afford this house?" Using a case study of the Smith family, she walks through the key financial ratios—HR1 (housing costs) and HR2 (debt-to-income)—that determine whether a home purchase is financially sustainable. Despite…

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  48. Ep67: Sarah Catherine Gutierrez on Automating Finances for Physicians

    Sarah Catherine Gutierrez, a certified financial planner and founder of Aptus Financial, joins Dr. Disha Spath to discuss practical financial strategies for physicians. Sarah emphasizes the importance of non-conflicted, fee-only advice and the power of automating finances to ensure long-term…

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  49. Ep66: The Real Cost of Nurse Practitioner-led Care with Tarang Patel, MD

    Dr. Disha Spath and Dr. Tarang Patel address the controversial topic of nurse practitioners' expanding roles in healthcare. The discussion is sparked by a recent article that highlights concerns over the quality and adequacy of NP training. Dr. Patel discusses the implications of NPs practicing...

  50. Ep65: Make ~$400/Hour as a Medical Expert Witness with Dr. Nirav Shah

    Dr. Nirav Shah returns to discuss the often-overlooked field of medical expert witness work, revealing how physicians can use their expertise to earn substantial side income while maintaining their ethical standards. Dr. Shah recounts his initial foray into the courtroom, offers insights into the...

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ABOUT THIS SHOW

Financial Freedom and Peace of Mind. For all of us. A podcast by The Frugal Physician for healthcare professionals looking to get their financial house in order and design their ideal lives.

HOSTED BY

Dr. Disha Spath, MD, FACP

Produced by Dr. Disha Spath

Frequently Asked Questions

How many episodes does Finding Financial Freedom with The Frugal Physician - Finance, Wellness, Budget, Student Loans, Wealth, Doctor, Fitness, Money have?

Finding Financial Freedom with The Frugal Physician - Finance, Wellness, Budget, Student Loans, Wealth, Doctor, Fitness, Money currently has 115 episodes available on PodParley. New episodes are automatically indexed when they're published to the podcast feed.

What is Finding Financial Freedom with The Frugal Physician - Finance, Wellness, Budget, Student Loans, Wealth, Doctor, Fitness, Money about?

Financial Freedom and Peace of Mind. For all of us. A podcast by The Frugal Physician for healthcare professionals looking to get their financial house in order and design their ideal lives.

How often does Finding Financial Freedom with The Frugal Physician - Finance, Wellness, Budget, Student Loans, Wealth, Doctor, Fitness, Money release new episodes?

Finding Financial Freedom with The Frugal Physician - Finance, Wellness, Budget, Student Loans, Wealth, Doctor, Fitness, Money publishes regularly with 115 episodes available. Check the episode list for the typical release schedule.

Where can I listen to Finding Financial Freedom with The Frugal Physician - Finance, Wellness, Budget, Student Loans, Wealth, Doctor, Fitness, Money?

You can listen to Finding Financial Freedom with The Frugal Physician - Finance, Wellness, Budget, Student Loans, Wealth, Doctor, Fitness, Money on PodParley by clicking any episode. We provide an embedded audio player for direct listening, and you can also subscribe via your preferred podcast app using the RSS feed.

Who hosts Finding Financial Freedom with The Frugal Physician - Finance, Wellness, Budget, Student Loans, Wealth, Doctor, Fitness, Money?

Finding Financial Freedom with The Frugal Physician - Finance, Wellness, Budget, Student Loans, Wealth, Doctor, Fitness, Money is created and hosted by Dr. Disha Spath, MD, FACP.
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