Physicians, Flowers, and 403(b)s: A Mother’s Day Finance Chat

Physicians, Flowers, and 403(b)s: A Mother’s Day Finance Chat

Author: Nate Reineke May 7, 2025 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) and flowers ready for Mother’s Day. Listen in as Ben Utley and Nate Reineke answer a tough listener question about whether the Roth 403b or a traditional 403b is right for a neurosurgeon from Maryland. 

We also answer your colleagues' questions. 

Car Buying

A surgeon in Connecticut says, “We are looking to buy a minivan. Given the recent tax tariffs, should we buy new, used, or lease one?" 

Changing Jobs 

A Double Doc family in Kentucky is moving states and changing jobs. They want to know the best way to contribute to their retirement accounts without facing extra taxes and penalties.

 

Housing and Home Loans

A Hospitalist in Utah is curious about the best refinancing options given the high interest rates and their plan to retire. 

 

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
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…