Most clinicians are “investing” with no idea what number they’re actually trying to hit.

In this solo episode, Kristin walks through the simplest way to calculate your financial independence number using inflation, a retirement income target, and the classic 4% rule—so you stop guessing and start building a plan that actually works.

Inside, you’ll hear:

• What financial independence really means (it’s not a vibe, it’s math)
• Why ignoring inflation is the mistake that quietly wrecks retirement plans
• A simple example that lands at a $5.5M target number (and how it’s calculated)
• Why “replace expenses” can backfire for both high spenders and new grads
• The hidden costs people forget to plan for (healthcare + long-term care)
• Why investing fees matter more than most people realize when you run the math

Not knowing your number isn’t neutral. It’s how people end up years behind without realizing it.

Links & Resources

Download our Financial Freedom Guide and learn how to turn a six-figure salary into real net worth (without working more).

Apply to our coaching program so our team can evaluate your current plan, estimate your gap, and outline what coaching would look like for your situation.

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.