The PA Millionaire Path is officially out! If you've ever felt like you're earning a great income but still losing money to fees you didn't even know you were paying, this book is your roadmap for turning PA income into real wealth — the right way.

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

Is your money actively managed or passively invested — and do you even know the difference? If you had to pause and think, you're not alone. Most PAs, NPs, pharmacists, and physicians have never asked that question, and it's quietly costing them tens of thousands, sometimes hundreds of thousands, of dollars in fees and underperformance.

In this solo episode, Kristin breaks down the active vs. passive investing debate — one of the most misunderstood (and most expensive) topics in personal finance for medical professionals. Using a real client story about a pharmacist who was unknowingly paying a 5% total fee drag on her portfolio, Kristin walks through exactly why high-cost actively managed funds so often underperform low-cost index funds and ETFs, and what that means for your 401k, Roth IRA, or brokerage account.

Inside, you'll hear:

• The real difference between active and passive investing (and why it's not the same as active vs. passive income)
• How expense ratios quietly eat into your investment returns year after year
• Why actively managed mutual funds underperform their benchmark 80–93%+ of the time
• The "superstock phenomenon" — why a small handful of stocks drive almost all stock market gains
• Why John Bogle's advice to "buy the haystack, not the needle" still holds up decades later
• How AUM fees plus high expense ratios can silently disqualify you from safe withdrawal rate research like the Trinity Study
• Three simple steps to audit your own investment fees this week

If you've ever wondered whether your financial advisor's fees are "normal," or you're not sure what's actually inside your 401k or Roth IRA, this episode will change how you look at your investment statements.

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

Book an application call: 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.

The PA Millionaire Path is officially out! If you’ve ever felt like you’re earning a great income but still barely keeping up, this book is your roadmap for turning PA income into real wealth.

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

Aesthetic medicine is one of the most common side hustles clinicians ask about — but the logistics can feel overwhelming fast.

How do you get trained?

Who covers malpractice?

Where do the products come from?

What about state rules, documentation, patient payments, marketing, and actually getting paid?

In this episode, Kristin sits down with Dr. Sarah Allen, founder and Chief Medical Officer of Skin Clique, to talk about how PAs, NPs, pharmacists, and physicians can explore aesthetic and wellness medicine in a safer, more supported way.

Inside, you’ll hear:

• How Dr. Allen went from academic medicine to building Skin Clique
• Why aesthetic medicine can be a flexible income stream for clinicians
• What training, mentorship, malpractice, EMR, and product support can look like
• Why state rules matter more than most people realize
• How GLP-1s and skin health are changing the aesthetics landscape
• What 1099 income can unlock for clinicians from a tax and retirement planning perspective
• Why this type of side hustle can feel different from just picking up another shift

If you’ve ever thought, “I’d love to get into aesthetics, but I have no idea where to start,” this episode will help you understand what’s possible.

Want a real plan for your income, debt, and investing — not random tips?

Book your application here: https://www.millionairesinmedicine.com/coach

Skin Clique: https://www.skinclique.com

Dr. Sarah Allen on:

• Instagram: https://www.instagram.com/theskinclique/
• TikTok: https://www.tiktok.com/@theskinclique
• Facebook: https://www.facebook.com/theskinclique

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.

The PA Millionaire Path is officially out. If you’ve ever felt like you’re earning a great income but still barely keeping up, this book is your roadmap for turning PA income into real wealth.

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

Two medical professionals can earn the same salary, invest the same amount, start at the same age… and still end up with a million-dollar difference in retirement.

The difference? Fees.

In this episode, Kristin breaks down the hidden investing fees that quietly drain retirement accounts for PAs, NPs, PharmDs, physicians, and other medical professionals — especially inside 401(k)s, HSAs, and financial advisor-managed accounts.

This isn’t about stock picking, market timing, or complicated investing strategies. It’s about understanding the one thing you can actually control: your fee burden.

Inside, you’ll hear:

• What expense ratios are and why they matter
• How actively managed mutual funds can quietly eat into your returns
• Why AUM fees can feel “free” even when they cost you hundreds of thousands
• How fee stacking happens when advisor fees and expensive funds overlap
• Why every extra 1% in fees can add years to your working life
• A simple weekend fee audit you can do inside your 401(k), HSA, IRA, or brokerage account

If you’ve never checked what your investments actually cost, this episode will help you understand what to look for and why it matters so much.

Want a real plan for your income, debt, and investing — not random tips?

Book your application with the Millionaires in Medicine Team here: https://www.millionairesinmedicine.com/coach

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.