The PA Millionaire Path is out! Buying a home is one of the biggest money decisions you'll ever make, but it's only one piece of the puzzle. If you're earning a great income but aren't sure your overall financial plan is actually working for you, this book is your roadmap for turning your income into real wealth.

👉 Buy it here: https://www.millionairesinmedicine.com/pabook

In this solo episode, Kristin breaks down the real math behind home buying for medical professionals in 2026... why mortgage rates sitting in the mid-to-high 6% range have stalled affordability, why the lender's "you qualify for this much" number is often the fastest way to wreck your finances, and the simple rule of thumb that keeps your housing expense in check no matter what you earn.

Kristin walks through how to calculate what house you can actually afford using your gross income, when a 0%-down physician/medical professional loan makes sense (and when it becomes a trap), the real opportunity cost of a large down payment early in your career, and how a modest starter home can realistically set you up for your dream house down the line.

Inside, you'll hear:

• The 20% rule: why your total housing expense (principal, interest, taxes, insurance) should never exceed 20% of gross monthly income
• How to use a free mortgage calculator to determine your ideal purchase price without ever talking to a lender
• Why 20% down avoids PMI — and why that "rule" doesn't apply the same way to medical professional loans
• How physician/medical professional loans allow 0-5% down and higher debt-to-income approval, even with $500,000 in student loan debt
• The real risk of these loan products: how a new grad can end up "house poor" in a $700,000 home
• Why putting $300,000 down at age 30 instead of investing it could cost you $4.4 million and up to 10 extra working years
• A real example of a $250,000 starter home appreciating to $407,000 over 10 years — and how that builds your next down payment
• Regional home price differences (Midwest median around $350,000 vs. Hawaii's $800,000+ median)
• Why housing decisions made in isolation — instead of tied to your financial independence goals — are often what keeps people working years longer than they need to

If you're a medical professional trying to figure out when to buy, how much house you can really afford, and how to avoid the single biggest mistake that could cost you a decade of extra work, this episode lays out the numbers and the framework to get it right.

Ready for a real plan for your income, debt, and investing?

Apply to join the MiM Coaching Program here: https://www.millionairesinmedicine.com/coach

Resources / links

• Free home-buying checklist: https://www.millionairesinmedicine.com/buyahouse
• Apply to join the MiM Coaching Program: https://www.millionairesinmedicine.com/coach
• The PA Millionaire Path: https://www.millionairesinmedicine.com/pabook

Disclaimer The Millionaires in Medicine Show is for educational and informational purposes only. The content shared is not intended as medical, legal, financial, or investment advice and should not be relied upon as such.