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.

Buy Kristin’s book on Amazon

The PA Millionaire Path is here! 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

Money fights usually aren’t just about the spreadsheet.

In this episode, Kristin sits down with Dr. Jenny Olson, Assistant Professor of Marketing at Indiana University’s Kelley School of Business, to talk about how couples actually navigate money: joint accounts, separate finances, spender/saver dynamics, income differences, debt, and financial infidelity.

If you and your partner have ever had the “should we combine finances?” conversation, avoided a money talk because it felt too loaded, or wondered why one of you saves while the other spends, this episode gives you the research-backed language to make the conversation less tense and more productive.

Inside, you’ll hear:

• What the research says about joint vs separate bank accounts
• Why savers and spenders often end up together
• How to talk about money without turning it into a character attack
• What happens when one partner earns more or brings more debt
• Why financial infidelity is more common than most couples realize
• How to plan better money conversations with your partner
• Why “we” language matters when you’re building a financial life together

Guest

Dr. Jenny Olson is an Assistant Professor of Marketing at Indiana University’s Kelley School of Business. Her research focuses on consumer financial decision-making, romantic couples and money, financial infidelity, and how people perceive spending, saving, and purchases. Her work has been published in peer-reviewed journals and featured by outlets including The Wall Street Journal and Forbes.

What you’ll learn

• Why joint accounts may help preserve relationship quality over time
• How transparency can create better shared financial goals
• Why “spender” and “saver” labels can become harmful when they turn moralistic
• How to approach unequal income or unequal debt as a team
• What financial infidelity actually means
• Why planned money conversations tend to go better than surprise ones
• How to make money talks feel less like conflict and more like connection

✅ Book a call with the MiM Team

If money feels tense because your income, debt, and investing plan are not fully aligned yet, don’t keep guessing.

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

Resources / links

Dr. Jenny Olson’s website: http://www.jennyginolson.com/

Dr. Jenny Olson's Linkedin: https://www.linkedin.com/in/jennyginolson/

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 RAP plan (Repayment Assistance Plan) goes live July 1, 2026 — and if you have federal student loans, you need to know what this changes.

In this episode, Kristin sits down with Kaitlin Hile (PharmD, BCCP) to break down what RAP is, how it works, and how to know whether it’s actually the right income-driven repayment plan for your situation (especially if you’ve been on SAVE or were planning to use SAVE).

Inside, you’ll hear:

• What RAP replaces and why payments may look different than SAVE
• The simple way RAP payments are calculated (and why AGI strategy matters)
• Who may be better served by a different IDR option depending on when they borrowed
• The big tradeoff to understand before you commit to an income-driven path long-term
• What to do now so you’re not scrambling when July 1 hits

What you’ll learn

• RAP plan basics + what changes July 1, 2026
• RAP payment calculation overview (AGI + household factors)
• RAP vs “new IBR” considerations for certain borrowers
• How to think about IDR plans in the context of your broader strategy (PSLF vs taxable forgiveness vs repayment)

✅ Book a call (MiM Team)

If you’re not 100% sure which repayment path you’re on (or what the total cost will be), don’t guess.

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

✅ Buy Kristin’s book

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

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.

A lot of surgical PAs are quietly asking the same question: Is there a way to earn more and build real flexibility… without leaving the OR?

In this episode, Kristin sits down with Dan Payson, founder of All Star Surgical, to break down what it actually looks like for surgical PAs to go independent (1099), how the pay structures work, and what you need in place so the extra income doesn’t turn into chaos—especially on taxes and backend systems.

Inside, you’ll hear:

• The difference between “freelancing” and building a real surgical PA business
• How independent surgical PA pay is often structured (and what makes rates vary)
• The biggest blind spot that blows up 1099 income (and how to avoid it)
• What it takes to be successful outside your “home hospital” comfort zone
• Why backend infrastructure matters as much as clinical skill
• Want to know if your current income plan is leaving money on the table?

Book an application call with the Millionaires in Medicine Team and we’ll assess where you are, identify the biggest gap, and outline what coaching would change for your situation: https://www.millionairesinmedicine.com/coach

If you’re a PA thinking about going 1099, here’s the real question:

Will the extra income actually turn into wealth… or just a bigger, messier version of your current life?

That’s exactly why I wrote The PA Millionaire Path — because most PAs don’t need “more hustle.” We need a real system for what happens after you earn more: how you structure income, handle debt, and invest in a way that actually builds freedom.

👉 Grab The PA Millionaire Path on Amazon here: https://www.amazon.com/dp/B0GW8SXJ5R

(If you’ve ever felt like you’re earning a solid income but still barely keeping up, start there.)

Guest

Dan Payson — founder of All Star Surgical, helping surgical PAs create more income flexibility through independent work and backend support.

Links:

All Star Surgical: https://allstarssurgical.com/

Dan on LinkedIn: https://www.linkedin.com/company/all-stars-surgical-assist/

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.

If you’re graduating soon (or you just did) and you’re staring at your bank account wondering how you’re going to make the next few months work — this episode is for you.

Kristin breaks down the “no man’s land” between graduation and your first paycheck: boards, licensure, credentialing delays, moving costs, DEA fees… and how people accidentally start their career buried in credit card debt before they even earn real PA income.

Inside, you’ll hear:

• The real timeline of the gap (and why it’s often 3–6 months)
• How to budget the gap the right way (so you know the number you need)
• What expenses to plan for beyond rent (boards, license, DEA, admin fees)
• How to negotiate reimbursements into your contract (and what to get in writing)
• The biggest trap that ruins your first year financially (and better options to bridge the gap)
• Why “reward travel” needs to be budget travel right now (not bougie travel)

If you know a new grad PA about to hit this window, share this episode with them.

If you’re bridging the gap with credit cards (or want a cleaner monthly payment), Doc2Doc has personal loans built for healthcare providers. Check your rate in minutes (no impact to your credit score):

Check out Doc2Doc here: https://partner.doc2doclending.com/nurses-apps/millionaires-in-medicine

As a Millionaires in Medicine member, fund your Doc2Doc loan by July 31 and receive an exclusive $150 Amazon gift card as a special member benefit.

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

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

The PA Millionaire Path is officially out on Amazon. 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.amazon.com/dp/B0GW8SXJ5R

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.

You make good money as a PA… so why does wealth-building still feel like it’s “for someone else”?

In this special episode, Kristin celebrates the launch of The PA Millionaire Path (now live on Amazon) and breaks down why PAs have been left out of personal finance education for so long—and what it actually looks like to build real wealth as a PA with an income plan, a debt plan, and an investing plan that all work together. You’ll also hear about Kristin’s children’s book Millie’s Magic Coins and the bigger mission behind teaching kids healthy money stories early.

In this episode, you’ll hear:

• Why “personal finance for physicians” doesn’t translate cleanly for PAs
• What “PA-specific” wealth building actually needs to include (beyond 401(k) + Roth)
• The two-book launch (adult book + kids book) and the impact behind it

Grab the books on Amazon:

• The PA Millionaire Path: https://a.co/d/0hYND2DK
• Millie’s Magic Coins: https://a.co/d/0d111PPB