『The Responsible Resident』のカバーアート

The Responsible Resident

The Responsible Resident

著者： Amber Stitt
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The Responsible Resident Podcast is a short-form educational series designed for medical students, residents, and fellows who want clarity around financial decisions during training, without pressure, sales, or noise.


Hosted by Amber Stitt, co-owner of MD Disability Quotes and a 15-year specialist in physician income protection, this podcast focuses on what truly matters during medical training: timing, underwriting, and protecting future earning power.


Most residents believe financial decisions can simply be handled later. What this series explains, calmly and clearly, is that some decisions are influenced by health history and timing. Flexibility exists during training, but it does not last forever.


You don’t need to take action immediately. The goal is competence first, so when decisions matter, you’re prepared.


If you’re in training and want to understand your options before they narrow, this podcast is for you.

© 2026 The Responsible Resident 衛生・健康的な生活 身体的病い・疾患
エピソード
  • 6 Assumptions That Keep Physicians from Buying Disability Insurance - And Why They Deserve a Second Look - RR Ep 20

    6 Assumptions That Keep Physicians from Buying Disability Insurance - And Why They Deserve a Second Look - RR Ep 20
    2026/07/22

    Send us Fan Mail

    Why do so many physicians postpone buying disability insurance?

    Is employer group disability insurance enough?

    What are the biggest misconceptions about physician income protection?

    In this episode of The Responsible Resident, Amber Stitt explores the 6 most common reasons physicians delay purchasing individual disability insurance, and why each assumption deserves a closer look.

    From believing disability insurance is too expensive to relying solely on employer-sponsored group disability insurance, Amber explains how these common misconceptions can leave physicians vulnerable to significant financial risk.

    This episode covers:

    • Why physician disability insurance protects your greatest financial asset, your future income
    • Group disability insurance vs. individual true own-occupation disability insurance
    • The limitations of employer-provided disability insurance
    • Why underwriting timing matters for physicians
    • How future health changes can impact disability insurance eligibility
    • Common disability insurance myths surrounding cost, health, and career security
    • Why understanding disability insurance before you need it is essential

    Whether you're a medical student, resident, fellow, or attending physician, this episode provides practical education to help you make informed decisions about disability insurance, income protection, and long-term financial security.

    📻 Thank you for tuning in to The Responsible Resident!

    To Download the FREE Medical Professionals Blueprint:

    StittStrategies.com/Blueprint

    If you would like a free quote, please contact us at:

    mddisabilityquotes.com/responsible-resident

    Amber Stitt is a disability insurance specialist with over 15 years of experience helping physicians protect their income and make informed financial decisions.

    As the host of The Responsible Resident, she brings a structured, education-first approach to topics like disability insurance, underwriting, and income protection, areas often overlooked during medical training.

    🔗 Connect with host, Amber Stitt, on Social Media:

    • AMBER’S INSTAGRAM
    • AMBER’S LINKEDIN
    • AMBER’S FACEBOOK

    📲 Be sure to visit the Stitt Strategies website:

    www.StittStrategies.com

    🎬 And remember, let's take action today!!!
    続きを読む 一部表示
    11 分
  • What Is an Elimination Period? Understanding When Disability Benefits Actually Begin - RR Ep 19

    What Is an Elimination Period? Understanding When Disability Benefits Actually Begin - RR Ep 19
    2026/07/15

    Send us Fan Mail

    What is an elimination period in disability insurance?

    How long do physicians have to wait before disability insurance benefits begin?

    Understanding the disability insurance waiting period is essential when designing an income protection strategy.

    In this episode of The Responsible Resident, Amber Stitt explains one of the most frequently misunderstood provisions in physician disability insurance: the elimination period, also known as the waiting period.

    Learn how elimination periods work, why they affect disability insurance premiums, and how emergency savings and disability insurance work together to protect your financial future.

    This episode covers:

    • What an elimination period is in disability insurance
    • How waiting periods impact physician disability insurance benefits
    • Why a 90-day elimination period doesn't always mean 90 consecutive calendar days
    • Waiver of premium benefits during a disability claim
    • Presumptive disability provisions and when the elimination period may be waived
    • How to choose the right elimination period based on your financial situation
    • Why understanding your disability insurance contract before a claim matters

    Whether you're a medical student, resident, fellow, or attending physician, this episode will help you better understand disability insurance policy design and make more informed decisions about protecting your future income.

    #disabilityinsurance, #eliminationperiods, #waitingperiods, #theresponsibleresident, #theamberstittshow

    📻 Thank you for tuning in to The Responsible Resident!

    To Download the FREE Medical Professionals Blueprint:

    StittStrategies.com/Blueprint

    If you would like a free quote, please contact us at:

    mddisabilityquotes.com/responsible-resident

    Amber Stitt is a disability insurance specialist with over 15 years of experience helping physicians protect their income and make informed financial decisions.

    As the host of The Responsible Resident, she brings a structured, education-first approach to topics like disability insurance, underwriting, and income protection, areas often overlooked during medical training.

    🔗 Connect with host, Amber Stitt, on Social Media:

    • AMBER’S INSTAGRAM
    • AMBER’S LINKEDIN
    • AMBER’S FACEBOOK

    📲 Be sure to visit the Stitt Strategies website:

    www.StittStrategies.com

    🎬 And remember, let's take action today!!!
    続きを読む 一部表示
    8 分
  • Physician Disability Insurance Hidden Tax Trap: Why Deducting Premiums Could Cost You Later - RR Ep 18

    Physician Disability Insurance Hidden Tax Trap: Why Deducting Premiums Could Cost You Later - RR Ep 18
    2026/07/01

    Send us Fan Mail

    Should doctors deduct disability insurance premiums, or protect tax-free benefits later? In this bonus episode of The Responsible Resident Podcast, Amber Stitt breaks down one of the most misunderstood physician disability insurance planning decisions: the tax treatment of disability insurance premiums and how it affects benefits at claim time.

    This episode is designed for medical residents and fellows, attending physicians, other medical professionals such as CRNAs, and any self-employed doctors transitioning into private practice, partnership, 1099 work, locums, or independent contractor roles.

    Amber explains the difference between paying disability insurance premiums with after-tax dollars versus deducting premiums as a business expense, and why that choice can determine whether your disability insurance benefits are tax-free or taxable.

    Learn how disability insurance taxation impacts monthly income replacement, why physicians often overlook this hidden tax trap, and when Business Overhead Expense (BOE) insurance may be treated differently.

    If you’re evaluating physician disability insurance, own-occupation disability coverage, or planning for private practice ownership, this episode will help you think more strategically about protecting your future income.

    Because disability insurance isn’t about saving taxes in a good year, it’s about preserving options in a hard one.

    📻 Thank you for tuning in to The Responsible Resident!

    To Download the FREE Medical Professionals Blueprint:

    StittStrategies.com/Blueprint

    If you would like a free quote, please contact us at:

    mddisabilityquotes.com/responsible-resident

    Amber Stitt is a disability insurance specialist with over 15 years of experience helping physicians protect their income and make informed financial decisions.

    As the host of The Responsible Resident, she brings a structured, education-first approach to topics like disability insurance, underwriting, and income protection, areas often overlooked during medical training.

    🔗 Connect with host, Amber Stitt, on Social Media:

    • AMBER’S INSTAGRAM
    • AMBER’S LINKEDIN
    • AMBER’S FACEBOOK

    📲 Be sure to visit the Stitt Strategies website:

    www.StittStrategies.com

    🎬 And remember, let's take action today!!!
    続きを読む 一部表示
    8 分
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