In this episode, Ronnie and I dig into one of the most common and most misunderstood questions in personal finance:

"How much should you actually be saving?"

You’ve probably heard the rule - save 20%. If you’re not, you’re behind. If you can’t, you’re doing something wrong.

But is that really true?

Going from a trainee salary to an attending income is one of the biggest financial inflection points in a physician’s life. In this episode, I share two mistakes I see early-career physicians make and how to avoid them.

We discuss why the “I deserve it now” mindset can quietly create long-term pressure, and why focusing on the so-called boring fundamentals gives you the freedom to spend and invest with confidence later.

If you want your new income to create stability instead of stress, this conversation is for you.

Financial planning is often framed as numbers, projections, and optimization, but those are only part of the picture.

In this episode, I discuss AI in financial advice and explain why experienced judgment still plays an essential role in helping people identify priorities, uncover blind spots, and make decisions that truly align with their values.

Whether you’re a DIY investor, someone who uses AI tools, or someone considering professional guidance, this conversation will help you think more clearly about how each piece fits into your financial life.