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    Education

    Financial Fellowship

    Physicians spend a decade training in medicine and hours on money. Financial Fellowship is built to fix that with 3 weekly episodes.

    A story from the history of money, the wildest ones on record, told start to finish and landed on what it’s still doing to your paycheck. A real physician household’s finances, taken apart and rebuilt into a ranked list of what to do first. Names changed, numbers shifted, everything else real. And straight answers on the planning decisions physicians face at mid career and beyond, from the people who work on them every day.

    Hosted by Ryan Inman, who spent more than a decade running a fee only planning firm exclusively for over 500 physician families. Named a Top 100 Financial Advisor in the U.S. by Investopedia, three years running. Taylor Inman, a pediatric pulmonologist, brings the physician to physician perspective. Want your own finances taken apart and rebuilt on the show? Start at financialfellowship.com.

    Financial Fellowship is education, not financial advice. Ryan Inman is not a licensed investment adviser and does not provide individualized recommendations. Talk to your own professionals about your own situation.

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    Latest Episodes:
    You Were Trained to be Bad with Money Sep 28, 2026
    Show notes

    In 1910, the Flexner Report rebuilt American medical education around expensive lab science. It accidentally built a financial training system that teaches doctors to ignore money for 15,000 hours, then graduates them into their highest-stakes financial decade with zero preparation.

    Ryan traces the building: how curriculum hours, board exams, and the tuition-funded model standardized an education that contains germ theory but left out how income works, how debt behaves, and how to protect a family.

    The reframe is simple. It's not a you problem or a doctor problem. It's a building problem, and buildings can be remodeled.

    This podcast is for education and entertainment purposes only. Nothing mentioned is individualized financial, medical, or legal advice.


    Orthopedic Surgeon, $620k Income, $14k a Month Nobody Can Find | FHA Sep 25, 2026
    Show notes

    An orthopedic surgeon 2 years out of fellowship sends in the whole picture. $620,000 a year, two kids under 4, a rural property with a tractor and an orchard, $312,000 of debt costing under $5,000 a year, two own occupation disability policies, and a reported $400 a month of variable spending. I run the 6 vital signs, score it 61 out of 100, and find about $14,000 a month this household can't account for. Want yours taken apart? financialfellowship.com/submit

    This podcast is for education and entertainment purposes only. Nothing mentioned is individualized financial, medical, or legal advice.


    Your 403(b) is Maxed. Now What? with Daniel Wrenne Sep 23, 2026
    Show notes

    In this episode, Ryan Inman and Daniel Wrenne walk through the funding order for mid career physician households. From HSA to finishing with the taxable brokerage account, describing each account in between.

    This podcast is for education and entertainment purposes only. Nothing mentioned is individualized financial, medical, or legal advice.


    Surgical Subspecialist, $1.15M, $130k a Year to Charity but No Will | FHA Sep 18, 2026
    Show notes

    A surgical subspecialist earning $1.15 million sends in the most matter of fact file this show has been handed. A one bedroom apartment by choice, $33,000 saved a month, $130,000 a year given away, and not one dollar of it routed for tax. I run the 6 vital signs, score it 66 out of 100, and lay out the 5 fixes that make the systems finally match the discipline. Want yours done? financialfellowship.com/submit

    This podcast is for education and entertainment purposes only. Nothing mentioned is individualized financial, medical, or legal advice.


    The Rise of the AI Advisor with Daniel Wrenne Sep 16, 2026
    Show notes

    Ryan Inman and Daniel Wrenne walk through where AI belongs (the calculator side), where it fails (accountability and duty), and how to choose: DIY, joining our membership when you want tools, or a human planner when you want someone who uses the tools and is your accountability partner and trusted advisor.

    AI can sync accounts, spit out a plan, and even pass the exams that scare humans. What it still cannot do is sit with a physician household as a fiduciary: pick values when two good answers collide, keep life insurance on the table when you would rather skip it, or put your family ahead of everyone else in the model.

    Icebreakers and the AI path: https://financialfellowship.com/ai/

    DIY systems: https://financialfellowship.com/unlocked/

    This podcast is for education and entertainment purposes only. Nothing mentioned is individualized financial, medical, or legal advice.


    Money As You Knew It Has Died Sep 14, 2026
    Show notes

    Your paycheck multiplied five times overnight and the house still got further away. That's not a budgeting problem. It's a currency you were never taught to read. The story of 2008, the room where it started, and the mechanism that's been running under every offer letter since.

    This podcast is for education and entertainment purposes only. Nothing mentioned is individualized financial, medical, or legal advice.


    Ophthalmology Resident, $435k Loans, Credit Card Debt and 4 Kids | FHA Sep 11, 2026
    Show notes

    Melissa is in her final year of ophthalmology residency. Bryce is home full time with their four kids under 10. One income at $63,000, $435,000 in federal loans, a credit card balance, nothing saved, and a financial health score of 21 out of 100. Ryan breaks down the household numbers on air so you can learn what the workup looks like when the stakes are real.

    This podcast is for education and entertainment purposes only. Nothing mentioned is individualized financial, medical, or legal advice.


    Healthcare in Retirement: Why $172,500 Is Low for Physicians with Daniel Wrenne Sep 09, 2026
    Show notes

    Ryan has Daniel Wrenne on to discuss Fidelity's 2025 estimate that says one person needs $172,500 for healthcare across retirement. Daniel thinks that number runs low for physicians, and he walks through why: long term care and dental aren't in it, concierge medicine isn't in it, and the tax bracket a physician retires in pushes it higher. You'll get his ballpark for the gap years between an early retirement and Medicare, his case for why long term care insurance usually loses to self insuring, and why he'd treat an HSA as the last account you touch instead of the first.

    This podcast is for education and entertainment purposes only. Nothing mentioned is individualized financial, medical, or legal advice.


    How I Think About Debt | Orientation Sep 08, 2026
    Show notes

    Physician debt is not just a balance to eliminate—it is a factor in the broader plan for cash flow, career choices, and long-term flexibility. In this orientation, Ryan shares how he thinks about debt, weighing interest costs, repayment options, and the role of debt in building a durable financial life.

    This podcast is for education and entertainment purposes only. Nothing mentioned is individualized financial, medical, or legal advice.


    How I Think About Investing | Orientation Sep 08, 2026
    Show notes

    In this Orientation episode, Ryan shares how he thinks about investing for physicians: keep it boring on purpose and build a plan that can hold up through busy seasons. He focuses on consistent behavior, sensible diversification, and staying invested rather than trying to outsmart the market by picking winners. The goal is a calm, repeatable approach that supports a physician’s broader financial life.

    This podcast is for education and entertainment purposes only. Nothing mentioned is individualized financial, medical, or legal advice.


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