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    Business

    Docs Outside The Box

    Hosts Dr. Nii (Ghanaian) and Dr. Renee (Haitian) are first-generation physicians who paid off $662,000 in student loans in 3 years – while figuring out contracts, career moves, and money management that their colleagues learned at home.

    Every episode covers what first-gen docs need to know:

    • Contract negotiation and career decisions
    • Paying off debt without family financial guidance
    • Building wealth from scratch
    • The questions you don’t know to ask (but your colleagues already knew)

    Real strategies from doctors who had to figure it out on their own.

    Subscribe and build your blueprint with us.

    Download: The First-Gen Doctor Blueprint

    Advertise

    Copyright: © www.drniidarko.com

    • Apple Podcasts
    • Google Play
    • Spotify

    Latest Episodes:
    Medical Violence Against Patients. #459 Part 3 Apr 29, 2025
    Show notes

    SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show!

    Our discussion stems from a shocking case of obstetrical abuse where an attending deliberately created a fourth-degree laceration on a Black patient who had just delivered her baby without complications, solely so a resident could practice the repair.

    We go deep into how medical training can sometimes cross serious ethical boundaries and remaining silent when witnessing unethical practices doesn't just harm patients, it erodes one's own moral foundation and perpetuates a culture where abuses can continue unchecked.


    FREE DOWNLOAD - 7 Considerations Before Starting Locum Tenens - https://darkos.lpages.co/7-considerations-before-locums


    LINKS MENTIONED

    Q&A and Suggestions Form - https://forms.clickup.com/9010110533/f/8cgpr25-4614/PEBFZN5LA6FKEIXTWF


    Send us a Voice Message - https://www.speakpipe.com/docsoutsidethebox


    SIGN UP FOR OUR NEWSLETTER!


    WATCH THIS EPISODE ON YOUTUBE!



    Have a question for the podcast?

    Text us at 833-230-2860



    Twitter: @drniidarko

    Instagram: @docsoutsidethebox

    Email: team@drniidarko.com



    Merch: https://docs-outside-the-box.creator-spring.com


    This episode is sponsored by

    Set For Life Insurance. What the Darkos use for great disability insurance at a low cost!! Check them out at www.setforlifeinsurance.com


    The Future Of Public Service Loan Forgiveness For Doctors Explained. #458 Part 3 Apr 22, 2025
    Show notes

    SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show!

    The financial landscape for physicians has never been more complex. Student loan strategies have become particularly challenging with policy changes occurring almost weekly. For those pursuing Public Service Loan Forgiveness, the advice remains steady: stay the course. PSLF was established through Congressional legislation rather than executive action and would require another act of Congress to dismantle. Our conversation then shifts to debt vs investment with rising interest rates.


    FREE DOWNLOAD - 7 Considerations Before Starting Locum Tenens - https://darkos.lpages.co/7-considerations-before-locums


    LINKS MENTIONED

    Article on “Most common questions I get asked by young doctors - https://www.whitecoatinvestor.com/common-finance-questions-asked-by-young-doctors/


    Q&A and Suggestions Form - https://forms.clickup.com/9010110533/f/8cgpr25-4614/PEBFZN5LA6FKEIXTWF


    Send us a Voice Message - https://www.speakpipe.com/docsoutsidethebox


    SIGN UP FOR OUR NEWSLETTER! https://darkos.lpages.co/newsletter-signup/


    WATCH THIS EPISODE ON YOUTUBE!



    Have a question for the podcast?

    Text us at 833-230-2860



    Twitter: @drniidarko

    Instagram: @docsoutsidethebox

    Email: team@drniidarko.com



    Merch: https://docs-outside-the-box.creator-spring.com


    This episode is sponsored by

    Set For Life Insurance. What the Darkos use for great disability insurance at a low cost!! Check them out at www.setforlifeinsurance.com


    Why Real Estate Investing Is The Fastest Way To Wealth. #458 Part 2 Apr 22, 2025
    Show notes

    SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show!

    According to The White Coat Investor, the fastest path to build wealth and attain financial independence as a doctor is through building a rental empire. Physicians face unique challenges when building wealth through real estate while balancing demanding careers and family life. This conversation explores the crucial decision points that determine success or frustration when doctors invest in properties.


    FREE DOWNLOAD - 7 Considerations Before Starting Locum Tenens - https://darkos.lpages.co/7-considerations-before-locums


    LINKS MENTIONED

    Article on “Most common questions I get asked by young doctors - https://www.whitecoatinvestor.com/common-finance-questions-asked-by-young-doctors/


    Q&A and Suggestions Form - https://forms.clickup.com/9010110533/f/8cgpr25-4614/PEBFZN5LA6FKEIXTWF


    Send us a Voice Message - https://www.speakpipe.com/docsoutsidethebox


    SIGN UP FOR OUR NEWSLETTER! https://darkos.lpages.co/newsletter-signup/


    WATCH THIS EPISODE ON YOUTUBE!



    Have a question for the podcast?

    Text us at 833-230-2860



    Twitter: @drniidarko

    Instagram: @docsoutsidethebox

    Email: team@drniidarko.com



    Merch: https://docs-outside-the-box.creator-spring.com


    This episode is sponsored by

    Set For Life Insurance. What the Darkos use for great disability insurance at a low cost!! Check them out at www.setforlifeinsurance.com


    Should You Buy or Rent A House During Residency? #458 Part 1 Apr 22, 2025
    Show notes

    SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show!

    Drawing from personal experience, buying a home during residency remains a significant financial gamble. If you're a medical student approaching residency and considering buying your first home, contemplating a real estate investment, or reevaluating your financial protection strategy, this episode provides the unfiltered truth you need to be able to make decisions aligned with your financial goals.


    FREE DOWNLOAD - 7 Considerations Before Starting Locum Tenens - https://darkos.lpages.co/7-considerations-before-locums


    LINKS MENTIONED

    Article on “Most common questions I get asked by young doctors - https://www.whitecoatinvestor.com/common-finance-questions-asked-by-young-doctors/


    Q&A and Suggestions Form - https://forms.clickup.com/9010110533/f/8cgpr25-4614/PEBFZN5LA6FKEIXTWF


    Send us a Voice Message - https://www.speakpipe.com/docsoutsidethebox


    SIGN UP FOR OUR NEWSLETTER! https://darkos.lpages.co/newsletter-signup/


    WATCH THIS EPISODE ON YOUTUBE!



    Have a question for the podcast?

    Text us at 833-230-2860



    Twitter: @drniidarko

    Instagram: @docsoutsidethebox

    Email: team@drniidarko.com



    Merch: https://docs-outside-the-box.creator-spring.com


    This episode is sponsored by

    Set For Life Insurance. What the Darkos use for great disability insurance at a low cost!! Check them out at www.setforlifeinsurance.com


    Mastering Real Estate Investment As A Medical Professional. #458 Apr 22, 2025
    Show notes

    SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show!

    Dr. Jim Dahle, the founder of White Coat Investor joins us in sharing candid insights on real estate investment for physicians, challenging common home ownership myths and helping doctors align investment strategies with their lifestyle goals. Our conversation then shifts to the recent disruptions to student loan forgiveness programs, and the changing dynamics of physician employment. Are doctors "white collar" or "blue collar" workers?


    We discuss:

    0:00:00 Introduction

    0:03:44 Syndication - Is it good or bad?

    0:05:30 Should you rent or buy as a resident?

    0:13:35 Balancing real estate investing and being a doctor.

    0:32:07 Current policy proposals impacting student loan forgiveness programs like PSLF.

    0:43:14 Advise on mortgage interest rates and investing.

    0:48:55 Is being a doctor a blue collar or white collar job?

    0:50:18 Quick Q&A session with The White Coat Investor


    FREE DOWNLOAD - 7 Considerations Before Starting Locum Tenens - https://darkos.lpages.co/7-considerations-before-locums


    LINKS MENTIONED

    Article on “Most common questions I get asked by young doctors - https://www.whitecoatinvestor.com/common-finance-questions-asked-by-young-doctors/


    Q&A and Suggestions Form - https://forms.clickup.com/9010110533/f/8cgpr25-4614/PEBFZN5LA6FKEIXTWF


    Send us a Voice Message - https://www.speakpipe.com/docsoutsidethebox


    SIGN UP FOR OUR NEWSLETTER! https://darkos.lpages.co/newsletter-signup/


    WATCH THIS EPISODE ON YOUTUBE!



    Have a question for the podcast?

    Text us at 833-230-2860



    Twitter: @drniidarko

    Instagram: @docsoutsidethebox

    Email: team@drniidarko.com



    Merch: https://docs-outside-the-box.creator-spring.com


    This episode is sponsored by

    Set For Life Insurance. What the Darkos use for great disability insurance at a low cost!! Check them out at www.setforlifeinsurance.com


    Quick-Fire Questions with The White Coat Investor | Real Estate, Careers, Student Loans & More! #458 Part 4 Apr 22, 2025
    Show notes

    SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show!

    Join us for a Q&A session with Dr. Jim Dahle, the founder of The White Coat Investor. We asked him questions on various topics like, whether doctors are white collar or blue collar workers, PSLF, Locums and real estate investment timing.


    FREE DOWNLOAD - 7 Considerations Before Starting Locum Tenens - https://darkos.lpages.co/7-considerations-before-locums


    LINKS MENTIONED

    Article on “Most common questions I get asked by young doctors - https://www.whitecoatinvestor.com/common-finance-questions-asked-by-young-doctors/


    Q&A and Suggestions Form - https://forms.clickup.com/9010110533/f/8cgpr25-4614/PEBFZN5LA6FKEIXTWF


    Send us a Voice Message - https://www.speakpipe.com/docsoutsidethebox


    SIGN UP FOR OUR NEWSLETTER! https://darkos.lpages.co/newsletter-signup/


    WATCH THIS EPISODE ON YOUTUBE!



    Have a question for the podcast?

    Text us at 833-230-2860



    Twitter: @drniidarko

    Instagram: @docsoutsidethebox

    Email: team@drniidarko.com



    Merch: https://docs-outside-the-box.creator-spring.com


    This episode is sponsored by

    Set For Life Insurance. What the Darkos use for great disability insurance at a low cost!! Check them out at www.setforlifeinsurance.com


    How We Handled Discrimination We Faced During Med School And Residency. #457 Part 2 Apr 18, 2025
    Show notes

    SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show!

    In this raw, unfiltered conversation we take personal turns to address how we dealt with discrimination in medicine. From being questioned about academic achievements to facing targeted harassment during training.

    We also talked about pursuing locums which is an alternative practice model for physicians. So whether you're a medical student navigating a challenging educational environment, a resident weighing employment options, or an attending physician contemplating a career pivot, this episode delivers honest guidance from us and how we did it.


    FREE DOWNLOAD - 7 Considerations Before Starting Locum Tenens - https://darkos.lpages.co/7-considerations-before-locums


    LINKS MENTIONED

    Q&A and Suggestions Form - https://forms.clickup.com/9010110533/f/8cgpr25-4614/PEBFZN5LA6FKEIXTWF


    Send us a Voice Message - https://www.speakpipe.com/docsoutsidethebox


    SIGN UP FOR OUR NEWSLETTER!


    WATCH THIS EPISODE ON YOUTUBE!



    Have a question for the podcast?

    Text us at 833-230-2860



    Twitter: @drniidarko

    Instagram: @docsoutsidethebox

    Email: team@drniidarko.com



    Merch: https://docs-outside-the-box.creator-spring.com



    We had $662,000 DEBT and Transitioned Out Of Traditional Medicine #457 Apr 18, 2025
    Show notes

    SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show!

    Are you feeling trapped by crushing student loan debt? Well you're not alone. In our conversation, we reveal how we transitioned from traditional medical employment to locum tenens work even with so much debt.

    Beyond the money, we also talked about other topics like discrimination during our pre-med, medical school and residency journey. We also let you in on the freedom locums provides to design your own practice pattern as a doctor.


    We discuss:

    00:00 Introduction

    02:10 A big shoutout to our long term listeners

    04:40 Do y'all wear shoes in people's houses or do you take them off?

    06:47 Shoutout to The Premed Podcast

    11:56 How to transition out of Traditional Medicine with so much debt

    32:19 Discrimination in Residency

    49:15 Pursuing Locums


    FREE DOWNLOAD - 7 Considerations Before Starting Locum Tenens - https://darkos.lpages.co/7-considerations-before-locums


    LINKS MENTIONED

    Q&A and Suggestions Form - https://forms.clickup.com/9010110533/f/8cgpr25-4614/PEBFZN5LA6FKEIXTWF


    Send us a Voice Message - https://www.speakpipe.com/docsoutsidethebox


    SIGN UP FOR OUR NEWSLETTER!


    WATCH THIS EPISODE ON YOUTUBE!



    Have a question for the podcast?

    Text us at 833-230-2860



    Twitter: @drniidarko

    Instagram: @docsoutsidethebox

    Email: team@drniidarko.com



    Merch: https://docs-outside-the-box.creator-spring.com


    How We Transitioned Out Of Traditional Medicine With MASSIVE Debt. #457 Part 1 Apr 18, 2025
    Show notes

    SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show!

    Can I change how I practice medicine when I'm drowning in so much debt? This is a question that we are answering on how we managed to pay off a staggering $662,000 in student loans while transitioning out of traditional medicine.

    If you are ready to rethink how you practice medicine, listen to discover practical strategies for financial freedom and career flexibility, regardless of your specialty or debt burden.


    FREE DOWNLOAD - 7 Considerations Before Starting Locum Tenens - https://darkos.lpages.co/7-considerations-before-locums


    LINKS MENTIONED

    Q&A and Suggestions Form - https://forms.clickup.com/9010110533/f/8cgpr25-4614/PEBFZN5LA6FKEIXTWF


    Send us a Voice Message - https://www.speakpipe.com/docsoutsidethebox


    SIGN UP FOR OUR NEWSLETTER!


    WATCH THIS EPISODE ON YOUTUBE!



    Have a question for the podcast?

    Text us at 833-230-2860



    Twitter: @drniidarko

    Instagram: @docsoutsidethebox

    Email: team@drniidarko.com



    Merch: https://docs-outside-the-box.creator-spring.com


    REPLAY: Why the average doc is not a millionaire #310 Apr 15, 2025
    Show notes

    SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show!

    Nii and Renée return from their Disney vacation to discuss Money Trap #5. This conversation is about what physicians, at every level, should be spending their money on. They also discuss the perceived notion that all doctors are millionaires and the reality and implications of overspending.
    Things to expect in this episode:

    • Nii and Renée talk about their hella expensive Disney vacation
    • The perception that all doctors are millionaires
    • Overspending and the lifestyle creep
    • Medscape’s survey on how physician compensation changed in 2021
    • Why the biggest flex in life is the ability to say ‘No’

    Check out St. John Associates to help you find your next job AND reach your lifestyle goals. www.StJohnJobs.com/Docs
    WE WANT TO HEAR FROM YOU!!!!
    FILL OUT THE DOCS OUTSIDE THE BOX PODCAST SURVEY (in partnership w INCROWD)
    INCROWD MAKE EXTRA MONEY AS A RESIDENT OR ATTENDING - COMPLETE MEDICAL SURVEYS WITH INCROWD
    WATCH THIS EPISODE ON YOUTUBE!
    Join our community
    Text word PODCAST to 833-230-2860
    Twitter: @drniidarko
    Instagram: @drniidarko
    Email: team@drniidarko.com
    Podcasting Course: www.docswhopodcast.com
    Merch: https://docs-outside-the-box.creator-spring.com
    This episode is edited by: Your Podcast Pal


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