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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 Real Estate Investing 47: 5 Things to Know Before Walking a House with Your Realtor Mar 05, 2022

Show notes

Real estate agent, Carly Swihart, discusses five things to know before walking a house with your realtor.

Key Points From This Episode

Introducing Carly Swihart and how she accidentally found her love of real estate.
Diving into the five things investors need to know before walking a house.
Having a good relationship with a lender and knowing what your options are.
The difference between pre-approval and pre-qualified.
Carly's top advice to first-time local investors on how to get specific with what you want.
Property condition, timelines, identifying your risk appetite, and more.
How she coaches a client who's feeling a little overwhelmed.
Unpacking the importance of order and timing when it comes to repairs.
How she walks the line of price points and ballpark figures when it comes to repairs.
The importance of knowing your numbers before setting foot on the property.
Getting an agent who is honest and also knows all the factors to get creative with.
Looking at your property as a bank and working backward from there.
How Carly makes sure she's working on the business and not in the business.
Her top two resources in this journey: BiggerPockets and great mentorship.
Closing advice around using your imagination to role play a deal and see how you feel.

Links Mentioned in Today's Episode

YFP 245: Getting Under Contract in a Competitive Home Buying Market Mar 03, 2022

Show notes

Tony Umholtz, a Mortgage Manager for First Horizon, discusses getting under contract in a competitive home buying market.

Key Points From This Episode

Hear about Tony's background and the work he's doing right now with First Horizon.
How we're still at historically low-interest rates, even with the recent rise we're seeing.
Some context on the current market and why we currently have a housing shortage.
Tony shares why it matters what type of loan you get.
Important factors to consider when evaluating and considering the lender that you choose.
What an escalation clause is and some of the potential pros or cons to look out for.
Tony comments on the recent trend of waving inspection contingency.
Whether the earnest dollar amount is going up in this market and if offering more makes a difference.
The three pieces that will allow you to get out of the contract and not lose your earnest dollars.
Some advice on what to do if you're looking for an option with a lower down-payment.
Why there are so many cash offers out there at the moment.
We talk about some great strategies to help out with the seller cost.

Links Mentioned in Today's Episode

Ask a YFP CFP® #103: What yearly tax implications should I be thinking about when contributing to brokerage accounts? Feb 28, 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 Stephen in Sacramento, California: What yearly tax implications should I be thinking about when contributing to brokerage accounts?

Mentioned on the Show:

YFP Planning: Financial Planning for Pharmacists
Schedule a free Discovery Call with YFP Planning
YFP Tax
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 46: Building a Family Business Around Motel Hacking Feb 26, 2022

Show notes

Stewart Olney, PharmD and Elizabeth Olney, Realtor discuss their real estate investing path from house hacking by renting out a spare room to motel hacking and building a real estate business through hotel and motel investments.

Key Points From This Episode

Introducing today's guests Stewart Olney, PharmD, and Elizabeth Olney.
Stewart's journey as a pharmacist and how that ties into his introduction to real estate.
Why Airbnb has been an integral tool for Stewart and Elizabeth's real estate journey.
Stewart and Elizabeth's limited budget after her first pregnancy.
How YouTube initially helped them with doing all the rehabilitation work themselves.
How they learned from the mistakes of others as well as trial and error.
Why Stewart describes their approach as 'house hacking'.
How moving into the homes they purchased unlocked access to advantageous financing.
The story of how they purchased the motel in which they currently live.
How they have used technological innovations and AirBnB services to automate and streamline their check-in and check-out processes.
A breakdown of their plan to purchase and run another motel in their area.
Insights into commercial loans and how they differ from other loans.
Why getting outside help with property management has had such a positive impact on their lives.
The resources that have had the biggest impact on their real estate journey.
Their top advice for any pharmacist who wants to start investing in real estate.

Links Mentioned in Today's Episode

YFP 244: 6 Common Home Buying Debates Feb 24, 2022

Show notes

Nate Hedrick, the Real Estate RPh, is back on the show discussing 6 common home buying debates.

Key Points From This Episode

An introduction to today's guest, Nate Hedrick, co-host of the YFP Real Estate Investing Podcast.
Why home-buying decisions are not absolutes, but rather another aspect of the financial plan.
How there's no wrong way to go about financial planning, it just matters what you care about.
Some of the pros and cons of 20% and why the most important question is what your capabilities are.
Nate's thoughts on the opportunity cost of money that's being tied up in low-interest rate debt.
Building versus buying and who each option is best suited to.
Buying property with and without student loans.
Weighing up buying a starter home versus buying a forever home.
Why the term 'forever home' is a bit of a misnomer.
The benefit of having multiple exit strategies.
Why renting is not necessarily a terrible financial choice.
The unforeseen costs of owning a home.

Links Mentioned in Today's Episode

Ask a YFP CFP® #102: Where should I invest if my income is too high for a Roth and I'm maxing out my 401(k)? Feb 21, 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 Michelle in Walkerton, Indiana: Where should I invest if my income is too high for a Roth and I'm maxing out my 401(k)?

Mentioned on the Show:

YFP Planning: Financial Planning for Pharmacists
Schedule a free Discovery Call with YFP Planning
YFP 096: How to Do a Backdoor Roth IRA
Why Most Pharmacists Should Do a Backdoor Roth IRA
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 45: Deep Dive: Investment Property Renovations - Case Studies (Part 2) Feb 19, 2022

Show notes

Nate Hedrick and David Bright discuss case studies in this week's deep dive into investment property renovations.

Key Points From This Episode

Recapping the last episode's main points.
A brief background on David's property including location, rent, and how he found it.
Nate updates us on a tricky point-of-sale inspection required by the community.
Talking structural safety and Nate's big unknown wild card.
What he has planned that will make this property stand out from the crowd.
About Nate and his wife's agreement to make every rental something they would live in.
He explains his BRRRR strategy plus two things to really make the property bulletproof.
Moving on to David's property, we hear about the solid bones of his investment.
Why, in his case, the cosmetic rehab is tougher than the safety side.
David talks us through his overall rehab cost target.
The advantages of the built-in equity on a conventional loan.
The dangers of over-improving on a rehab.

Links Mentioned in Today's Episode

YFP 243: A Non-Traditional Pharmacy Path From Pharmacist to Software Engineer to Entrepreneur Feb 17, 2022

Show notes

Derek Borkowski, PharmD, founder and CEO of Cosmas Health and creator of the Pyrls app, talks about how and why he built the Pyrls app, what problem he was trying to solve, and some of the challenges he faced in the early days of being an entrepreneur. Key Points From This Episode

Introducing today's guest, Derek Borkowski, and what drew him into this profession.
Hear about the moment he realized he wanted a more non-traditional path in pharmacy.
The opportunity he found and pursued that pushed him into the tech space.
Skill stacking and what can come out of an intersection of expertise.
Derek shares one of the opportunities available under the umbrella of digital healthcare.
How he first acquired and developed these skills and some advice from his experiences.
How his love of technology sparked his entrepreneurship goals.
About the regret minimization framework and taking the leap to start Cosmas Health.
Some of the struggles he overcame in the first year.
Finding the right lens to market to your audience.
What makes Pyrls really stand out from the crowd as a resource to invest in.
Hear about the incredible support he's received from the pharmacy community.

Links Mentioned in Today's Episode

Ask a YFP CFP® #101: How many investment options should I have in my portfolio? Feb 14, 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 Tyler in Iowa City, Iowa: How many investment options should I have in my portfolio?

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 44: Deep Dive: Investment Property Renovations - 3 Key Considerations (Part 1) Feb 12, 2022

Show notes

Nate Hedrick and David Bright deep dive into three key factors to take into consideration when renovating your investment properties.

Key Points From This Episode

Why you don't always have to spend thousands of dollars on a rehab.
The first foundational factor of running a rehab: structural safety for your tenants.
A parallel between clinical and building guidelines to ensure safety.
Why the roof remains top of mind.
Learning to manage risk during a rehab process.
Why it is important never to over-rehab a house.
Why you should always compare rates to other rentals and purchases in the area.
The importance of finding a balance when you rehab a house.
How to use online comps as a road map to decide what to do in a neighborhood.
An introduction to the two case studies discussed in the next two episodes.

Links Mentioned in Today's Episode

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