#159 How Do Doctors Know When To Break Their ARM?

#159 How Do Doctors Know When To Break Their ARM?

Author: Nate Reineke March 18, 2026 Duration: 22:26

Mortgage rates are on the move once again, and if you have an ARM that is coming up on a variable rate period, it may be time to consider changing your mortgage type. The answer to knowing if you should is easier than you may think. Nate Reineke and Chelsea Jones give you the one simple step to determining what is best for you in the long run. We also answer your colleagues’ questions. A Neurologist in Georgia says, “I was revisiting my retirement benefits and I forgot that I had contributed to the 457 and not the 403b because my work matches "50% of your 457 Savings Plan contributions up to 4% of your eligible pay." I feel like I should max this out as well? We took the contribution to the 457 down to 0 in our 2nd to last visit. If we do max this out, would I contribute 8% to get the maximum contribution from work of 4%?” An OBGYN in New Jersey asks, “Do I actually need life insurance?” A Double Doctor Family in Florida wants to know, “Should we have our home purchase fund invested in the stock market?” 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
Is tax-loss harvesting a bad idea for physician investors? [not-audio_url] [/not-audio_url]

Duration: 14:27
Influenza. It’s a word that sounds ominous when you don’t know what it means. To a physician like you, influenza is nothing more than the average flu, but to a patient, it may sound scary. Does tax-loss harvesting sound…
Market goes bananas: What should physicians do? [not-audio_url] [/not-audio_url]

Duration: 14:27
Bananas are cheap but not as cheap as they used to be and the price of almost everything else is going up faster than a monkey up a tree. Everything else but stock prices that is. We’ve gotten several questions from phys…
Right before retirement, what should physicians buy? [not-audio_url] [/not-audio_url]

Duration: 23:05
Spring has sprung just like the freshly assembled Adirondack chairs in Ben’s back yard. Fumbling around while constructing Costco lawn furniture is normal, Ben proves that, but, you don’t want to stumble around with your…
Physicians ask: Does PSLF still work? [not-audio_url] [/not-audio_url]

Duration: 18:55
Things in the government are changing but, you already knew that, right? What you may not know is that public student loan forgiveness is still alive and well! Nate Reineke and Ben Utley discuss one pediatrician’s five y…
Investing with a Deadline: What's a Doctor's Best Move? [not-audio_url] [/not-audio_url]

Duration: 33:19
Introduction: In this new episode, hosts Nate Reineke and Chelsea Jones tackle the crucial topic of investment strategies for physicians with deadlines, particularly when facing urgent financial goals such as buying a ho…
Physicians still confused about backdoor Roth basics [not-audio_url] [/not-audio_url]

Duration: 22:19
Introduction: In Episode, hosts Nate Reineke and Ben Utley delve into the complexities of the backdoor Roth IRA, a popular strategy for high-income earners. They address common misunderstandings and provide clarity on ho…
How much DO physicians spend ? And save ? [not-audio_url] [/not-audio_url]

Duration: 24:55
Introduction: In this episode, hosts Nate Reineke and Ben Utley dive into the often-asked question: How much do physicians actually spend and save? They explore spending patterns among doctors, discuss financial strategi…
Becoming a Physician Mom Again in your 40's! Now what? [not-audio_url] [/not-audio_url]

Duration: 36:03
Introduction: Welcome to Physician Family Financial Advisors Podcast. In this episode, hosts Nate Reineke and Ben Utley address the joys and financial complexities of becoming a physician mom in your 40's, and what that…
Physician forever home mortgage, why not pay points? [not-audio_url] [/not-audio_url]

Duration: 32:28
Episode Summary: In this episode Nate Reineke and Ben Utley discuss the nuances of mortgage options for physicians, specifically focusing on the decision to pay points. The hosts explore the implications of mortgage rate…