#157 Paying Off A Mortgage And Saving For Retirement: How Physicians Can Balance Both

#157 Paying Off A Mortgage And Saving For Retirement: How Physicians Can Balance Both

Author: Nate Reineke March 4, 2026 Duration: 20:17

Interest rates are coming down again. You may find yourself asking, should I pay off my 5% mortgage aggressively or invest more for retirement? Nate Reineke looks at how each option may benefit doctors like you and what he sees with the families we work with every day. He also breaks down when you may change tactics in the future and how being on track for retirement may allow you to do a little of both. We also answer your colleagues’ questions. An anesthesiologist in Oklahoma says, “I want to refinance the ARM I took out a couple years ago. What rate can we get?” An emergency medicine doctor in Georgia asks, “As a 1099 Emergency Medicine Doctor, should I max out the employer side of my solo 401k or contribute to my IRA?” A family medicine doctor in Florida wonders, “I am 50 years old and behind on college AND retirement, which should I fund first?” Are you ready to turn worries about taxes and investing into all the money you need for college and retirement? It’s time to make a plan and get on track. To find out if we’re a match visit physicianfamily.com and click get started or, you can ask a question of your own by emailing podcast@physicianfamily.com. See marketing disclosures at physicianfamily.com/disclosures


Finding a clear path through financial planning feels uniquely challenging when your career is in medicine and your heart is at home with family. The Physician Family Finances Podcast exists in that specific, demanding space. Host Nate Reineke, alongside co-host Chelsea Jones, brings their experience as Certified Financial Planner™ professionals directly to conversations with physician parents. They understand the dual pressures of managing a practice, caring for kids, and making smart long-term decisions with your earnings. Each episode moves beyond generic advice to tackle the real questions you face, from navigating student loan strategies and investment options tailored to a physician's timeline to planning for retirement without sacrificing your family's present. This isn't about quick tips; it's about building a sustainable framework that aligns with your values and goals. Tune in for a candid, practical discussion that makes complex topics like tax laws and wealth building accessible, so you can gain confidence and clarity with your finances. The entire podcast is built on the principle that securing your future should feel like an achievable part of your life's work, not an overwhelming distraction from it.
Author: Language: English Episodes: 100

Physician Family Finances Podcast
Podcast Episodes
#139 This or That: What Retirement Plan Should Physicians Choose? [not-audio_url] [/not-audio_url]

Duration: 25:27
It is Halloween! The kids are out trick-or-treating, and the air is a little crisper as the seasons change. A change in jobs or open enrollment can lead to the spooky decision of what retirement plan is best: a defined b…
#137 Should Physicians Have a Whole Life Policy? [not-audio_url] [/not-audio_url]

Duration: 25:52
As a young doc, it can seem like everyone has something to sell you. Many physicians can end up with a whole life policy that they don’t actually need, and that policy can have a loan against it without you really knowin…
#135 W-2 or 1099: Are the Tax Savings Actually Worth It for Doctors? [not-audio_url] [/not-audio_url]

Duration: 23:43
Starting a new job always brings changes and new opportunities. For some docs, it may bring the question if being a 1099 contractor will create tax savings or a headache? Nate Reineke breaks down what you should consider…