PODCAST · business
Your Financial Pharmacist
by Tim Ulbrich and Tim Baker
The Your Financial Pharmacist Podcast is designed to empower pharmacy professionals to take control of their personal finances. Disclaimer: The information on this website is provided to you for your informational purposes only and is not intended to provide, and should not be relied on for, investment or any other advice. For more information, visit https://yourfinancialpharmacist.com/disclaimer
Episodes
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The Scarcity Mindset High Earners Don't Talk About
Why high earners still feel behind—and how a clear plan and purposeful savings buckets can turn financial anxiety into confidence. Episode Summary A high income, growing investments, and a rising net worth should lead to financial confidence. So why do so many successful professionals still feel...
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What Does a Rich Life Actually Mean?
What does a rich life actually mean? A conversation about money, fulfillment, time, and building a life aligned with what matters most. Episode Summary In this episode of Scripted Wealth: Money & Meaning for Pharmacists, Tim & Tim move beyond traditional financial planning conversations to…
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Introducing Scripted Wealth: Money and Meaning for Pharmacists
After 500+ episodes, a new chapter begins. Learn why YFP is evolving and how to align your money with meaning to live a rich life today and tomorrow. Episode Summary After more than 500 episodes of the Your Financial Pharmacist Podcast, Tim Ulbrich, PharmD and Tim Baker, CFP®, RICP®, RLP®…
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YFP 434: Home Buying in 2026: What Pharmacists Need to Know
Buying a home in 2026? Learn loan options, rate trends, and a new zero-down opportunity for pharmacists with mortgage expert Tony Umholtz. Episode Summary In this episode, Tim Ulbrich, PharmD welcomes back Tony Umholtz, Senior VP of Mortgage Banking at First Horizon, to break down what…
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YFP 433: Intentional Living with Dr. Emlah Tubuo
Dr. Emlah Tubuo shares how intentional living, whole-person care, and mindset are reshaping pharmacy, leadership, and personal wellbeing. Episode Summary In this episode of the YFP Podcast, Tim Ulbrich, PharmD sits down with Dr. Emlah Tubuo to explore what intentional living looks like in real…
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YFP 432: What Are You Optimizing For?
What if financial success isn't about saving more, but aligning money with the life you want today? Episode Summary After years of doing "everything right" financially, many pharmacists reach a surprising crossroads: retirement feels on track, but something still feels off. In this solo episode,...
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YFP 431: 10 Financial Moves to Make Before 2026
Tim Ulbrich, PharmD covers 10 practical year-end financial moves to reduce tax burden, build clarity, and start 2026 with confidence—plus a bonus step most people overlook. Episode Summary As 2025 winds down, it's tempting to push financial decisions into January. But some of the most impactful...
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YFP 430: Navigating Financial Windfalls: Planning for the Unexpected
Tim & Tim discuss how to handle a windfall or inheritance with clarity emotionally, financially, and strategically during the biggest wealth transfer in U.S. history. This episode is brought to you by the American Pharmacists Association (APhA). Episode Summary Handling a windfall or inheritance...
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YFP 429: How This Pharmacist Saved 50% of His Income & Built a Life of Freedom
Pharmacist and entrepreneur Peyton Gilbert shares how intentional living, saving 50% of income, and family business ownership created flexibility and freedom. Episode Summary In this episode of the YFP Podcast, Tim Ulbrich sits down with Dr. Peyton Gilbert—a pharmacist, entrepreneur, and...
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YFP 428: Pay Off the Mortgage Early or Invest?
Tim & Tim discuss whether to pay off your mortgage early or invest, breaking down math, mindset, and goals for 2025's financial landscape. This episode is brought to you by First Horizon. Episode Summary In this episode of the YFP podcast, co-hosts Tim Ulbrich, PharmD, and Tim Baker, CFP®, RICP®,...
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YFP 427: Passive vs Active Investing: Is the Debate Over?
Tim & Tim unpack passive vs. active investing, fees, behavior, and why YFP takes an "actively passive" approach to help pharmacists reach goals. Episode Summary In this episode of the YFP podcast, co-hosts Tim Ulbrich, PharmD and Tim Baker, CFP®, RICP®, RLP® dive into the ongoing debate of…
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YFP 426: Income Is a Vanity Metric: Here's What Really Matters
Are you measuring your financial success by the wrong metric? In this episode, Tim Ulbrich, PharmD, dives into why income can be misleading and why net worth is the true measure of financial progress. This episode is brought to you by First Horizon. Episode Summary Are you measuring your…
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YFP 425: Beyond the Numbers: Life Planning for Retirement
Retirement isn't just about the numbers. Tim Ulbrich, PharmD and Tim Baker, CFP® and Registered Life Planner, explore how life planning can help you design a retirement filled with purpose, meaning, and fulfillment, not just financial security. Episode Summary When it comes to preparing for...
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YFP 424: Can a Pharmacist Save $1 Million by 40?
Is it possible for a pharmacist to save $1M by 40? In this episode, we break down the math, explore money mindsets, and share my journey from –$225K in debt after residency to reaching millionaire status with practical strategies to build wealth. Episode Summary In this episode, we tackle one of...
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YFP 423: Creating a Floor to Take Financial Risk
Taking risks with your money, career, or life goals isn't easy, especially if you don't feel secure. In this episode, Tim Ulbrich, PharmD, explores how to build both the financial and emotional foundation you need to step out of survival mode and start taking calculated risks with confidence....
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YFP 422: Common HSA Mistakes and How to Avoid Them
Health Savings Accounts (HSAs) are a modest but mighty tool for healthcare and retirement planning with a rare triple-tax advantage. Tim Ulbrich and Tim Baker share 2025 limits, key benefits, and common mistakes pharmacists make. This episode is brought to you by First Horizon. Mentioned on the...
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YFP 421: Whole Life Insurance: Do You Need It?
Tim Ulbrich and Tim Baker tackle one of the most common questions we hear from pharmacists: "Do I need this whole life insurance policy?" They dive into who needs coverage, common misconceptions, and why the "buy term and invest the difference" strategy may be the smarter approach. This episode…
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YFP 420: How to Ask for and Get a Raise
Asking for and getting a raise can make a significant difference in your financial plan for years to come. In this episode, Tim Ulbrich walks through a five-step playbook with practical tips and strategies to help you confidently ask for and get the raise you deserve. Episode Summary Asking for…
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YFP 419: Shaping the Future of Pharmacy: Meet the 2025 YFP Gives Scholarship Winners
In this special episode, Tim Ulbrich introduces the winners of the YFP Gives scholarship. Deja Preusser, Zipporah Williams, Michaela Martin-Worley, Julia Miller, and Mildred Asamoah share their inspiring stories, showcasing the drive, resilience, and vision of the next generation of pharmacy...
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YFP 418: Homebuying Isn't Out of Reach: A Pharmacist's Path to Ownership
Buying a home can feel overwhelming, especially for pharmacists facing student loans, rising rents, and high interest rates. Tony Umholtz, mortgage loan officer at First Horizon, shares a realistic path to homeownership, even in today's challenging real estate environment. This episode is brought...
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YFP 417: From Coast FI to Living Fully: Cory & Cassie Jenks Four Years Later
Cory & Cassie Jenks return 5 years after first sharing their Coast FI journey. Tim Ulbrich talks with them about career shifts, family life, and how they're balancing financial freedom with living fully while raising three kids under six. Episode Summary In early 2020, pharmacists Cory and Cassie...
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YFP 416: Student Loan Changes: Key Takeaways from the Big Beautiful Bill
Tim Ulbrich, PharmD, breaks down student loan updates from the Big Beautiful Bill, including key changes, how we got here, and what it means for your repayment strategy. Episode Summary In this episode, YFP Co-Founder & CEO, Tim Ulbrich, PharmD breaks down recent student loan updates stemming…
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YFP 415: Breaking Through Burnout, Self-Limiting Beliefs, and the Traditional Career Script with Jackie Boyle
Jackie Boyle returns nearly two years after paying off $200K+ in student loans to share how that milestone shaped her growth. Jackie also discusses mindset shifts, burnout in pharmacy, and her mission to help ambitious women reconnect with their purpose and potential. Episode Summary In this...
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YFP REI 135: How Volatile Is Real Estate Investing?
Pharmacists and real estate investors Nate Hedrick and David Bright explore today's shifting housing market and ask: Is real estate investing less volatile than the stock market? Episode Summary In this episode, pharmacists and real estate investors Nate Hedrick and David Bright break down what...
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YFP 414: Ask YFP: When Should I Contribute to Roth vs. Traditional Accounts?
Wondering whether to contribute to a Roth or Traditional retirement account? Tim Ulbrich and Tim Baker break down key factors like tax brackets, Roth 401(k) access, and long-term planning tips to help you decide. Episode Summary One of the most common questions we get is: Should I contribute to a...
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YFP 413: 7 Key Financial Considerations During a Job Transition
Thinking about changing jobs or just got promoted? In this episode, Tim and Tim cover 7 key financial considerations, from negotiating offers to managing benefits, to help you navigate the transition with clarity and confidence. Episode Summary If you recently changed jobs or just landed a...
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YFP 412: Does a 1% Fee Really Cost You 25% of Returns?
Does a 1% AUM fee really cost you 25% of your returns? Tim Ulbrich and Tim Baker run the numbers and give you a framework to evaluate the real cost and the real value of financial planning. Episode Summary YFP Co-Founder & CEO, Tim Ulbrich, PharmD, and YFP Co-Founder & COO, Tim Baker, CFP®, RLP®,...
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Episode 411: 3 Reasons Pharmacists Are Financially Stuck
Feeling financially stuck despite making a good income? Tim Ulbrich, PharmD, unpacks three common reasons pharmacists hit a financial plateau and how to reframe your thinking about money, income, and possibility. Episode Summary Do you ever feel like, despite making a good income, you should be...
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YFP 410: Fatherhood and Finance: 5 Lessons My Kids Taught Me About Money
In this special Father's Day episode, Tim Ulbrich shares five unexpected and powerful money lessons he's learned from raising four boys. Episode Summary YFP Co-Founder & CEO, Tim Ulbrich, PharmD, reflects on the unexpected and powerful financial lessons he's learned from raising four boys. From...
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YFP 409: Millionaires Think Differently: The Mindset Shift That Changed My Life
What mindset separates high earners from true wealth builders? Inspired by The Millionaire Next Door by Dr. Thomas Stanley, Tim Ulbrich breaks down how changing his perspective on money transformed his financial path, and how it can do the same for you. Episode Summary YFP Co-Founder & CEO, Tim...
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YFP 408: What Should You Do With an Old 401(k)?
What should you do with an old 401(k)? Tim Ulbrich and Tim Baker explore your options, common pitfalls, rollover strategies, and how to make smart moves with old retirement accounts after leaving a job. Summary When you leave a job, what happens to the retirement account you left behind? In this...
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YFP REI 134: From Pharmacy To Real Estate: Why This Couple Invests in Raw, Vacant Land
Quynh and Tri Vu, two professionals who transitioned from pharmacy and IT careers into real estate, share their journey into investing in raw, vacant land and building Secure Land Co. Summary Quynh and Tri Vu, two professionals who transitioned from pharmacy and IT careers into real estate, share...
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YFP 407: Ask YFP: Using 529s for Student Loans & Buying Bitcoin Efficiently
Tim Ulbrich and Tim Baker answer two questions from the YFP community on using 529 funds for student loans and the most cost-efficient ways to invest in digital assets like Bitcoin. Summary In this episode, YFP Co-Founder & CEO Tim Ulbrich, PharmD, is joined by YFP Co-Founder & COO Tim Baker…
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YFP 406: Should You Pay Off Your House Early?
Should you pay off your mortgage early? YFP Co-Founder & CEO, Tim Ulbrich, PharmD unpacks the math, emotions, and big-picture factors in the mortgage payoff debate—plus 5 reasons when it may or may not make sense to pay extra on your mortgage. Summary Should you pay off your mortgage early? It's…
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YFP 405: Navigating Retirement Income: How to Turn Assets into a Paycheck
How do you turn your retirement savings into a reliable paycheck? In this episode, YFP Co-Founder & CEO, Tim Ulbrich, PharmD, and YFP Co-Founder & COO, Tim Baker, CFP®, RLP®, RICP®, break down three common strategies for building a retirement paycheck — including how each works, who they're best...
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YFP 404: 5 Key Questions to Ask Before Hiring a Financial Planner
Tim Ulbrich, PharmD, and Tim Baker, CFP®, break down how to find the right financial planner—covering what planners really do, how they're paid, and the questions to ask—so you can move forward with clarity and confidence. This episode is brought to you by First Horizon. Summary Not sure who to...
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YFP 403: Lessons from the Red: Navigating Big Market Dips
Tim Ulbrich, PharmD, reflects on losing over $100,000 during recent market volatility and shares eight powerful, experience-driven lessons from two decades of investing to help listeners navigate the emotional and practical realities of building wealth. This episode is brought to you by APhA....
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YFP 402: Building a Legacy: The Family Constitution Blueprint with Julia Myers
In this episode, Julia Myers, pharmacist and founder of Generational Wisdom, shares her Family Constitution Blueprint, a tool to help families define values, build traditions, and create a lasting legacy. This episode is brought to you by First Horizon. Summary In this episode, Tim Ulbrich is...
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YFP REI 133: How Property Owners Can Leverage Energy-Efficient Financing
Attorney Colin Kalvas discusses PACE (Property Assessed Clean Energy) financing, including its origins, mechanisms, and applications for residential and commercial property owners. Summary In this episode, Colin Kalvas, a public finance and economic development attorney, joins Nate Hedrick…
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YFP 401: Ask YFP: Roth IRA Eligibility & Estimating Life Insurance Needs
Tim Ulbrich and Tim Baker tackle questions from the YFP community on life insurance needs for expectant parents and eligibility for direct Roth IRA contributions. Summary On today's episode, YFP Co-Founders Tim Ulbrich, PharmD and Tim Baker, CFP tackle two important questions from the YFP...
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YFP 400: From Pharmacy to Podcasting: Anisha Patel's Journey of Growth & Entrepreneurship
In this episode, Tim Ulbrich chats with Anisha Patel, host of the Pharmacist Diaries podcast, about her journey through pharmacy, entrepreneurship, and personal growth, including her work at Oxford and Cleveland Clinic Abu Dhabi, and how launching her podcast during the pandemic opened new...
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YFP 399: From Pre-Approval to Closing: Understanding the Mortgage Process (and Common Mistakes to Avoid)
Tim Ulbrich, YFP Co-Founder is joined by mortgage loan officer Tony Umholtz to discuss the mortgage process. They break down key steps, from getting pre-approved to closing, highlighting important considerations and common mistakes to avoid when buying a home. This episode is brought to you by...
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YFP 398: Is Your Income Your Rate Limiting Step?
In this episode, Tim Ulbrich, YFP CEO looks at three powerful areas for growing your income: maximizing your compensation, real estate investing, and building side hustles or businesses. Summary While cutting expenses is a key part of managing your finances, there's a limit to how much you can…
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YFP 397: The Art of Rebalancing: Maintaining Your Investment Portfolio
Tim Baker, CFP®, RICP®, RLP® and Tim Ulbrich, PharmD discuss the importance of maintaining a balanced asset allocation, the nuances of risk tolerance and capacity, and the different accounts you should be rebalancing. Brought to you by First Horizon. Summary In this episode, Tim Baker, CFP®…
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YFP 396: Managing Money Together: Strategies for Couples
Tim Ulbrich, PharmD, and Tim Baker, CFP®, RICP®, RLP® dive into the challenges and rewards of managing money in a relationship. Summary In this episode, Tim Ulbrich, PharmD, and Tim Baker, CFP®, RICP®, RLP® dive into the challenges and rewards of managing money in a relationship. They break down...
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YFP 395: What to Look for in a Real Estate Agent (And Why It's More Important Than Ever)
Tim Ulbrich & Nate Hedrick break down 2025 housing trends, agent tips & the new buyer's agreement. Sponsored by Real Estate RPH. Summary Tim Ulbrich, YFP Co-Founder talks with Nate Hedrick, PharmD and Founder of Real Estate RPh as they break down the key trends shaping the 2025 housing market…
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YFP 394: Crafting a Rich Life in Retirement: Insights from David Zgarrick, PhD
Tim Ulbrich, YFP Co-Founder welcomes back David Zgarrick, PhD to share his journey into "preferment," balancing retirement, financial planning, and staying engaged through teaching and consulting. Summary In this episode, Tim Ulbrich, YFP Co-Founder, welcomes back David Zgarrick, PhD, as he…
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YFP Real Estate Investing 132: Rent vs Buy: Does Buy Still Make Sense?
Tim Ulbrich talks with Nate Hedrick and David Bright as they break down the rent vs. buy dilemma in today's market, tackling equity, flexibility, financial strategy, and key market insights. Summary Tim Ulbrich talks with real estate investors Nate Hedrick, PharmD and David Bright, PharmD as they...
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YFP 393: Ask YFP: Growing Your Income & Saving for Kids College Savings
YFP Co-Founders, Tim Ulbrich and Tim Baker answer two listener submitted questions about growing income and saving for your child's college education. Summary In this episode, Tim Ulbrich, PharmD and Tim Baker, CFP tackle two listener submitted questions. Cory from Arizona seeks advice on how...
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YFP 392: Keeping Your Investment Portfolio FIT
Tim Baker, CFP®, and Tim Ulbrich, PharmD, share strategies to address fees, inflation, and taxes, helping you keep your investment portfolio fit and achieve your financial goals. Summary In this episode, Tim Baker, CFP® and Tim Ulbrich, PharmD discuss a crucial topic related to personal finance:...
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ABOUT THIS SHOW
The Your Financial Pharmacist Podcast is designed to empower pharmacy professionals to take control of their personal finances. Disclaimer: The information on this website is provided to you for your informational purposes only and is not intended to provide, and should not be relied on for, investment or any other advice. For more information, visit https://yourfinancialpharmacist.com/disclaimer
HOSTED BY
Tim Ulbrich and Tim Baker
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Frequently Asked Questions
How many episodes does Your Financial Pharmacist have?
Your Financial Pharmacist currently has 748 episodes available on PodParley. New episodes are automatically indexed when they're published to the podcast feed.
What is Your Financial Pharmacist about?
The Your Financial Pharmacist Podcast is designed to empower pharmacy professionals to take control of their personal finances. Disclaimer: The information on this website is provided to you for your informational purposes only and is not intended to provide, and should not be relied on for,...
How often does Your Financial Pharmacist release new episodes?
Your Financial Pharmacist releases new episodes frequently with a large back catalog of 748 episodes. Check the episode list for recent publication dates.
Where can I listen to Your Financial Pharmacist?
You can listen to Your Financial Pharmacist 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 Your Financial Pharmacist?
Your Financial Pharmacist is created and hosted by Tim Ulbrich and Tim Baker.
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