#158 What Should Doctors Upgrade Right Before Moving

#158 What Should Doctors Upgrade Right Before Moving

Author: Nate Reineke March 11, 2026 Duration: 26:17

The housing market seems to be heating up again as mortgage rates start to come down. If you’re planning a move, it can be hard to determine what upgrades to do on a house that will actually have a good return on investment. Nate Reineke and Chelsea Jones look at what upgrades generally have a good ROI and which ones may actually lose you money. We also share how sometimes the most basic fixes that boost curb appeal are actually the ones with the greatest impact on selling. We also answer your colleagues' questions. One doctor said, “We are ready to buy our forever home but all the houses in the area that meet our standards are $1.2M. We can build and buy property for $1.3M. Why wouldn’t we just do that?” A dermatologist in North Carolina asks, “Should I open an LLC for my 1099 Locums work?” An Infectious Disease Doc wonders, “On your most recent podcast, the last question was about putting post-tax money into a 401k. The doc did not have access to converting it to a Roth. At my institution this year, they are making us put our catch-up contribution amount for age 50+ post-tax into a Roth. I think this is different than the scenario that you spoke about, but can you clarify if this is acceptable?” Are you ready to turn worries about taxes and investing into a plan for college and retirement? If you’re evaluating your options and want to learn more, 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
Should physicians hire their spouses? Fishy or fine? [not-audio_url] [/not-audio_url]

Duration: 28:58
Some tax strategies are fishier than others. This week, you’ll hear about how things are going with Nate and his son’s development as a fisherman, and we’ll also tackle a somewhat fishy 401(k) question: can you, or SHOUL…
Fishing for Conversions: Physician Mistakes on Backdoor Roth Accounts [not-audio_url] [/not-audio_url]

Duration: 29:03
If fishing were easy, they’d call it catching. If backdoor Roths were easy, they’d call it a loophole. Listen in as Nate Reineke and Ben Utley answer a cumbersome backdoor Roth question from a physician who fears they ma…
From Scrubs to Shrubs: A Doctor’s Guide to Financing a Home [not-audio_url] [/not-audio_url]

Duration: 56:52
Buying a home is hard. As a physician, you want to make sure you get the best rate, use the right type of loan, and avoid the mistakes that drag out the process. Listen in as Ben Utley and Nate Reineke dissect the comple…
Physicians, Flowers, and 403(b)s: A Mother’s Day Finance Chat [not-audio_url] [/not-audio_url]

Duration: 27:54
Let's be real here: You spent your first 20 years of life rolling your eyes at your mom's advice and the rest of your life realizing she was right. So right now, make sure you have a table reserved (or groceries bought)…