I haven’t contributed one penny to my retirement account since leaving medicine three years ago.

And we’re still on track for $16 million.

Trust fund baby? Nope. I inherited debt, not wealth.

Huge physician salary? I was an academic pathologist. In physician terms: BROKE.

Perfect financial plan? Absolutely not. I forgot the 529. Saved nothing for son’s college. And yet...$16 million.

Welcome to my Unhinged $16 Million Retirement Series.

I’m opening the books and sharing the unconventional, unpopular and controversial decisions that got us here. This is what no one else will tell you.

Here’s what you get in this episode:

💎 Why I stopped contributing to my retirement account at 45 and don't plan to start again

💎 How to build wealth by NOT skipping the handbag, European vacation or first-class seat

💎 Why the financial "mistakes" you think you've made area actually part of your smartest strategy yet

This is the work we do in Next Level Freedom. If you’re ready to build your $16 million wealth portfolio, book a free sales call to join Next Level Freedom today HERE.

Write back with your nosiest questions! Christina

P.S. You don’t need a time machine to fix what you didn’t do 20 years ago. You need a strategy for the money you have today. Get started by booking your free sales call for Next Level Freedom HERE.

Because we physicians are high earners, it’s easy to think “I’m going to be financially okay forever.”

But there’s one gigantic problem with a physician salary: It only pays us while we can keep working.

Unless your retirement plan is to work forever, never get sick, hope no one you love ever dies or gets sick…we NEED a better plan.

A physician salary made us high earners. In this episode, we talk how to be replace your physician paycheck so your lifestyle doesn’t depend on hospital shifts or RVUs.

You’ll learn: 💎The surprising reason your physician salary may be the least important number in your retirement plan 💎Why you're making more money than you ever have and you still feel broke, living paycheck to paycheck. 💎T. Rowe Price research shows retirees can see a 20 percent jump in spending at retirement; thinking you'll just need less later is a dangerous plan. 💎The three moments that can end a physician paycheck overnight, and how you'll never have to choose between being there for a loved one and keeping your house. 💎How to give yourself your biggest Million dollar raise….except this one comes from your investments instead of RVUs

🎧 Listen to the episode here.

This is the work we do inside Next Level Freedom. If you’re ready to start building your $16 million retirement portfolio, book your free sales call HERE.

Write me back with your NOSIEST questions! Christina

P.S. Please share this episode with a woman physician in your world who news a $16Million retirement portfolio.

Dr. Cigdem Himmetoglu-Ussakli is a GI and Molecular subspecialized pathologist in academics. She came to the United States as an international medical graduate after training in Turkey. She’s built a successful career, expanded her interests in advocacy, leadership, and coaching, while also being a wife and mom. She is also one of the very first OGs to join Next Level Freedom! Hear her very special journey in this episode!

In this episode you get:

◆ Her very own framework for managing workplace conflict while protecting relationships, honoring values, and doing good work

◆ How to overcome the unique loneliness of starting her career over as an IMG in the US

◆ Now that she has more energy and time, how she incorporated time for her passion projects of advocacy, leadership, and coaching

◆ The sweetest Christmas gift her husband gave her and her connection to Supreme Court Justices!

For these exact frameworks, make sure to join Next Level Freedom. We only open once a year. Miss this and the next chance is summer 2027. Your $100K raise. Your part-time schedule. Your son's soccer games. Don't miss out! Sign up now here to cut back to part-time hours at your full-time doctor salary in under 90 days.

JOIN HERE NOW: https://christinaarnoldcoaching.com/next-level-freedom

Reply back and tell me everything, Christina

PS. Make sure to connect with Cigdem here! https://www.linkedin.com/in/cigdemussakli/