Story at-a-glance Your income is your greatest asset—especially in your 20s–40s. Losing it could cost you millions over your career.Disability insurance isn’t automatic—unlike health insurance, you have to qualify before you get sick or injured.Buy early, while you're healthy—you’ll lock in
Five Ways To Save on Disability Premiums
Story at-a-glance Disability insurance is a must for physicians—your career is worth millions and needs protection.There are smart ways to save on premiums—without sacrificing coverage.Group discounts (3+ people) and association membership can cut rates by 10–15% or more.Eliminating optional
How to Save Money as a Resident
Story at-a-glance Even on a resident’s salary, you can protect up to $15 million in future income with smart planning.Graded premium policies start under $100/month, with the option to lock in a level rate later.Multi-life discounts can save up to 40% for female residents when three or more
5 Financial Tips For Young Doctors
Story at-a-glance High income doesn’t equal wealth—many doctors struggle financially due to poor savings habits and lifestyle creep.Your career is a long-term asset, not a lottery ticket—wealth builds slowly, not overnight.Avoid overspending early in your career—cars, homes, and vacations can
What is the Best Time to Buy Disability Insurance?
Story at-a-glance Disability can strike unexpectedly—even in your 20s or during residency, before your career truly begins.A young ER doctor’s back injury from a car accident made her uninsurable overnight.Insurance only covers uncertainty—once a condition exists, it’s no longer
Physicians Should Buy Disability Insurance While Young
Story at-a-glance Many physicians delay disability insurance, assuming they’ll get it later—but later is often too late.Early-onset conditions like MS, anxiety, or injuries can make you uninsurable in your 20s or 30s.Group disability plans aren’t portable—leave your job, lose your coverage.A
Physician Retirement “Gotchas” to Avoid
Story at-a-glance Physicians are saving more—but still face common retirement "gotchas" that can derail even strong financial plans.Many underestimate how expensive retirement really is, especially with rising health costs, long-term care, and hidden expenses like adult children or home
Physician Retirement Plans Benefit from Diversification
Story at-a-glance Market timing and stock picking rarely work—many physicians learn the hard way that these strategies add risk and reduce returns.Diversification helps reduce volatility by spreading risk across asset classes, sectors, and global markets.Proper diversification includes more