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Scripted Wealth | Money & Meaning for Pharmacists

Scripted Wealth: Money & Meaning for Pharmacists is a show for pharmacists who want more than just financial success. It’s for those seeking clarity, confidence, and a plan to use their money with intention.

After more than 500 episodes of the Your Financial Pharmacist Podcast, Scripted Wealth represents the next chapter, expanding the conversation from how to build wealth to how to use it to support a life that truly aligns with what matters most.

Hosted by YFP Wealth (formerly Your Financial Pharmacist) co-founders Tim Ulbrich, PharmD, and Tim Baker, CFP®, RICP®, RLP®, the show blends practical financial planning with deeper conversations about what it really means to build and enjoy wealth. You’ll hear discussions on retirement planning, investing, tax strategy, and turning your savings into a sustainable income, alongside conversations about time, purpose, identity, and the tradeoffs that come with designing a life you actually want to live.

Whether you’re approaching retirement or simply asking, “Am I on track?”, this podcast will help you align your financial decisions with what matters most.

Disclaimer: The information on this podcast 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://yfpwealth.com/disclaimer/

Latest Episodes:

YFP 252: One Pharmacist's Journey in Entrepreneurship and Independent Pharmacy Apr 21, 2022

Show notes

Emlah Tubuo, the owner and pharmacist in charge at Powell Pharmacy & founder of Emlah Naturals, a pharmaceutical-grade supplement line, shares why she decided to start her own business, the challenges she has had to overcome in starting and running a business, and how she defines personal and professional success.

Key Points From This Episode

Emlah's professional background and training.
How Emlah was able to study abroad to further her career.
The first job Emlah had after graduating and what her role was.
Highlights of Emlah's approach to pharmacy and health care.
What motivated Emlah to start her own business.
The first steps Emlah took when starting her business.
Tim and Emlah discuss when the best time is to start a business.
The impact of the COVID-19 pandemic on the business and lessons learned.
How Emlah keeps motivated to do her best every day.
We find out more about Emlah's new business, Emlah Naturals.
Why people should implement lifestyle changes along with taking medication.
What Emlah's definition of success is, both personally and professionally.

Links Mentioned in Today's Episode

Ask a YFP CFP® #110: How should we handle money the kids get considering their 529 accounts are well funded? Apr 18, 2022

Show notes

Welcome to Ask a YFP CFP®, a segment of the Your Financial Pharmacist Podcast! On today's show Tim Baker, CFP®, RLP® takes this question from a member of the YFP Facebook Group: How should we handle money the kids get considering their 529 accounts are well funded?

Mentioned on the Show:

Disclaimer: This podcast is intended for educational purposes and should not be considered financial or investment advice as we do not know all the variables to one's personal situation when answering a question.

YFP Real Estate Investing 53: Understanding and Vetting Syndications with Senate Eskridge Apr 16, 2022

Show notes

Senate Eskridge, a professional real estate investor, talks about what real estate syndication is, how it works, and what a professional real estate investor looks like. Key Points From This Episode

Introduction and brief outline of today's show.
We find out more about Senate's professional background.
Benefits that investors will get when working with Senate in real estate.
Skillsets and personal qualities required for Senate's line of work.
What the difference is between a limited and general partner.
Role of an operator within a syndicate and how it is different from a property manager.
Senate expands on his roles and responsibilities within a syndicate.
Important metrics to consider when making an investment.
Tax benefits for a limited partner when making an investment in multi-family real estate.
Biggest differences between multi-family depreciation and a single-family depreciation.
An example of a typical syndicate operation Senate has been involved in.
How return on investment works for a limited partner.
Breakdown of strategies to protect investors in a volatile market.
Evaluation criteria Senate recommends before you make your investment.
Resources for people who want to learn about real estate syndicates.

Links Mentioned on Today's Episode

YFP 251: Zero to One: How to Get Started in Real Estate Investing Apr 14, 2022

Show notes

Nate Hedrick and David Bright, co-hosts of the YFP Real Estate Investing Podcast, share their top tips and strategies for getting started in real estate investing.

Key Points From This Episode

An update from David and Nate regarding their coaching program.
The importance of having a strong personal financial foundation.
How to break down real estate investing.
Categories best suited for first-time investors.
Nate shares the team aspect of real estate investing to bring down the stress and reduce the barriers to entry.
Where to find a good investment property: off-market.
The importance of being able to define and state your criteria to a real estate agent.
Using math to evaluate an investment and what that looks like; setting up categories.
FAQs you'll hear when starting in real estate investing.

Links Mentioned in Today's Episode

Ask a YFP CFP® #109: What is tax loss harvesting and when/how should this strategy be used? Apr 11, 2022

Show notes

Welcome to Ask a YFP CFP®, a segment of the Your Financial Pharmacist Podcast! On today's show Tim Baker, CFP®, RLP® takes this question from Andrew in the YFP Community: What is tax loss harvesting and when/how should this strategy be used?

Mentioned on the Show:

YFP Planning: Financial Planning for Pharmacists
The Snowball: Warren Buffett and the Business of Life by Alice Schroeder
Send in your questions here or to info@yourfinancialpharmacist.com
Your Financial Pharmacist Disclaimer and Disclosures

Disclaimer: This podcast is intended for educational purposes and should not be considered financial or investment advice as we do not know all the variables to one's personal situation when answering a question.

YFP Real Estate Investing 52: Six Considerations for Making an Offer and Getting the Deal Apr 09, 2022

Show notes

Nate Hedrick and David Bright reflect on the past year, what they have learned, and share six considerations for making an offer and getting the deal.

Key Points From This Episode

Reflections on a year of this podcast and the growth that our hosts have seen.
The common theme that pharmacists are detail-oriented and risk-averse.
Today's topic: how to avoid analysis paralysis and get started in real estate investing.
The first of the six things to help with rapid-fire decision-making: setting your criteria.
The second step: knowing your numbers, and where you can find helpful resources.
A helpful rule of thumb: the 1% rule and how it works.
The third step: understanding your area and what to consider when it comes to location.
The fourth step: giving yourself an out and how this relates to writing the offer.
The fifth step: gathering the data about the property.
How to investigate properties from a remote location.
The value of opinions from realtors, contractors, and home inspectors.
The sixth step: making a team decision and how this plays out differently in pharmacies and real estate.
Tips on how to go about building a team and some resources that may help.

Links Mentioned on Today's Episode

YFP 250: 10 Takeaways from 50 Financial Conversations with Pharmacists Apr 07, 2022

Show notes

YFP Director of Business Development, Justin Woods, PharmD talks about 10 takeaways from more than 50 discovery calls he's conducted, where he has had a close look at the financial goals and concerns of pharmacists across the country.

Key Points From This Episode

What YFP Planning has to offer clients and what discovery calls are.
Why people feel guilty about their financial situation when seeking advice.
The concerns clients have regarding saving up for retirement.
The prevalence of questions and interest that Justin experiences regarding real estate.
A brief outline of the concerns around repayment of student debt and the PSLF program.
Why YFP Planning services are suited for non-pharmacists as well.
The importance of involving both partners in the planning process.
When is the best time to begin the financial planning process.
Justin outlines some of the fees associated with the planning process.
An explanation of the "fee-only" model that YFP Planning uses.
Challenges around estimating the return on investment for clients.
The benefits of coupling your financial plan with a tax plan.

Links Mentioned in Today's Episode

Ask a YFP CFP® #108: Should I invest in my company 401(k) given my limited hours and associated fees? Apr 04, 2022

Show notes

Welcome to Ask a YFP CFP®, a segment of the Your Financial Pharmacist Podcast! On today's show Tim Baker, CFP®, RLP® takes this question from the YFP Facebook Group: Should I invest in my company 401(k) given my limited hours and associated fees?

Mentioned on the Show:

YFP Planning: Financial Planning for Pharmacists
Join the Your Financial Pharmacist Facebook Group
YFP 208: Why Minimizing Fees On Your Investments Is So Important
Send in your questions here or to info@yourfinancialpharmacist.com
Your Financial Pharmacist Disclaimer and Disclosures

Disclaimer: This podcast is intended for educational purposes and should not be considered financial or investment advice as we do not know all the variables to one's personal situation when answering a question.

YFP Real Estate Investing 51: Mindset-Driven Real Estate Investing Apr 02, 2022

Show notes

Dr. Louisa Wolowiecki discusses her entrepreneurial journey, her 'life by design' mindset, and some hard and fast rules for real estate investing as a pharmacist.

Key Points From This Episode

Jumping right in with Dr. Wolowiecki's varied pharmacy career.
Becoming a pharmacist in a time when it was a much more male-dominated field.
What drew her to entrepreneurship and the low-risk low-barrier way she entered the field.
Discussing burnout and the realizations that many people had during COVID, particularly women.
About creating a life by design and not by default.
A top exercise she does with helping people figure out what they want.
Some of the entrepreneurial ways pharmacists have designed their life.
Hear about some of the blocks she sees, and some steps to creating your steps.
A good lesson she learned early on in her property investment career.
What she's learned in the last 10 years that have become her cardinal rules.
The top strategy to juggle her commitments: time blocking.
Her top podcast by Julie Ciardi, and her love of the classic financial empowerment books.
Closing advice for the risk-averse: just start, take baby steps, and get going.

Links Mentioned on Today's Episode

YFP 249: 3 Silent Killers to Your Investments Mar 31, 2022

Show notes

YFP Co-Founder and Director of Financial Planning, Tim Baker CFP®, RLP®, talks about the three silent killers of your investment pie and how to keep your investment portfolio fit.

Key Points From This Episode

An introduction to today's topic.
The importance of including tax in your financial plan.
How tax permeates all parts of your financial plan.
Tim Baker shares some of his experiences regarding tax, working as a financial planner.
Some examples of simple tax reduction strategies.
How to ensure the withdrawal of investments after retirement in terms of tax.
A discussion on inflation trends.
Why it is important to consider inflation in your financial plan and investments.
We learn how investments can help you get ahead of inflation.
A detailed discussion on the issues and impact of fees on your investment.

Links Mentioned in Today's Episode

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