Whenever I talk about being on track for a $16M retirement, one of the first questions I get is: “Is this based on real estate investments?”

No.

In this week’s podcast, I’m talking about my decision around real estate—and why investment properties aren’t part of my retirement strategy.

This is NOT an anti-real-estate episode. If real estate is creating wealth, joy and freedom, I love that for you.

And we don’t have to choose between real estate and the stock market. Stock market investments can fund real estate purchases. Real estate income can fund stock market investments. They can work together beautifully.

This conversation is meant to round out what can sometimes feel like peer pressure in the physician community to become a landlord so you pick the wealth building strategy that works best for you.

Inside the episode:

• Why the GOAL isn’t real estate—or the stock market. It’s building enough wealth to leave Medicine without leaving our physician paycheck.
• The question I think every physician should ask BEFORE choosing a wealth-building strategy.
• Why I personally don’t consider investment properties passive income—and what passive means to me.
• What I actually AGREE with the real estate gurus about.
• Why there are multiple roads to the same destination—and the best strategy is the one that actually creates the life we want.

This is the kind of work we do inside of Next Level Freedom, my lifetime coaching program only for physician women. Inside I teach women physicians how to create a $100,000 raise on part-time hours to supercharge your wealth portfolio and retire even EARLIER. Go to link in bio to join the email list and be the first to snag your seat at my free live Leave Medicine without Leaving Your Physician Paycheck Masterclass in October.

Can’t wait to join Next Level Freedom? Book your free sales call HERE: https://app.squarespacescheduling.com/schedule/bd3b6a3c/appointment/33598962/calendar/5849920.

Write me back with your nosiest questions! Christina

P.S. My plan is to have my wealth portfolio replace my physician salary so I can leave Medicine without leaving my physician paycheck. If this is the work you want to do, join Next Level Freedom. Book your free sales call HERE: https://app.squarespacescheduling.com/schedule/bd3b6a3c/appointment/33598962/calendar/5849920.

*I am not a certified financial expert. Make sure to do your own math and make well-informed decisions with your certified financial advisor. My results are not necessarily your results. Results are not guaranteed.

I still remember my first resident onboarding. 400 residents packed into a sweaty auditorium. 50 boring speakers. Each with one 10 minute session. No time for questions.

Nobody was paying attention. And somewhere buried in all of that, someone probably talked about retirement. That was the training.

In the absence of an actual retirement strategy, our default plan becomes...

Work until we die. Hope it all works out. Pray.

We deserve so much better than that.

Inside this week’s podcast, I’m breaking down how to determine when we can leave Medicine WITHOUT leaving our physician paycheck. Including:

💎The third-grade math that turns “I hope I can retire someday” into an actual retirement number.

💎The actual DATE when you can say bye-bye to Medicine AND keep your paycheck.

💎The 4% rule: how 25 years of expenses invested can create the paycheck that eventually replaces our physician salary.

💎Starting at 50, 60 or even 70? It’s NEVER too late to get started. Follow my 3-step process to your multimillion dollar retirement plan.

My philosophy is simple: Every physician should have an exit strategy from Medicine that does NOT involve leaving our physician paychecks.

Medicine should be a choice. Not something we’re forced to do because we can’t afford to leave.

This is the kind of work we do inside of Next Level Freedom, my lifetime coaching program only for physician women. Inside I teach women physicians how to create a $100,000 raise on part-time hours to supercharge your wealth portfolio and retire even EARLIER. Go to link in bio to join the email list and be the first to snag your seat at my free live Leave Medicine without Leaving Your Physician Paycheck Masterclass Oct 22.

Can’t wait to join Next Level Freedom? Book your free sales call HERE: https://app.squarespacescheduling.com/schedule/bd3b6a3c/appointment/33598962/calendar/5849920.

Write me back with your nosiest questions! Christina

P.S. My plan is to have my wealth portfolio replace my physician salary so I can leave Medicine without leaving my physician paycheck. If this is the work you want to do, join Next Level Freedom. Book your free sales call HERE: https://app.squarespacescheduling.com/schedule/bd3b6a3c/appointment/33598962/calendar/5849920.

*I am not a certified financial expert. Make sure to do your own math and make well-informed decisions with your certified financial advisor. My results are not necessarily your results. Results are not guaranteed.

Everyone told us: Never go to bed angry. Talk it out. Stay up all night if you have to.

TERRIBLE advice for us. 😂

We’d stay up trying to fix the problem. The next day, we still had the original problem. Plus now we were deeply hurt AND exhausted.

After 27 years of a wonderful relationship, we created a whole system of how to prevent fighting over money.

The beauty of this system is that it is designed for two people who have very different approaches to money. I have a lot of money ptsd and am super sensitive. If it works for me (and it does!), it will work for you too.

This week on the podcast, I’m sharing it all:

💎The exact rules we use to stop a money disagreement from becoming a marriage problem

💎Why location is ESSENTIAL for healthy money conversations

💎Signs that the money conversation needs a time out

💎Scripts you can say so you can get your timeout without the other person feeling abandoned

💎Exactly how WE set up our finances + my personal take on joint accounts, separate accounts, prenups and postnups

This is the kind of work we do inside of Next Level Freedom, my lifetime coaching program only for physician women. Inside I teach women physicians how to create a $100,000 raise on part-time hours to supercharge your wealth portfolio and retire even EARLIER. Go to link in bio to join the email list and be the first to snag your seat at my free live Leave Medicine without Leaving Your Physician Paycheck Masterclass Oct 22.

Can’t wait to join Next Level Freedom? Book your free sales call HERE.

Write me back with your nosiest questions! Christina

P.S. My plan is to have my wealth portfolio replace my physician salary so I can leave Medicine without leaving my physician paycheck. If this is the work you want to do, join Next Level Freedom. Book your free sales call HERE.

*I am not a certified financial expert. Make sure to do your own math and make well-informed decisions with your certified financial advisor. My results are not necessarily your results. Results are not guaranteed.