Physicians spend a decade training in medicine and hours on money. Financial Fellowship is built to fix that with 3 weekly episodes.
A story from the history of money, the wildest ones on record, told start to finish and landed on what it's still doing to your paycheck. A real physician household's finances, taken apart and rebuilt into a ranked list of what to do first. Names changed, numbers shifted, everything else real. And straight answers on the planning decisions physicians face at mid career and beyond, from the people who work on them every day.
Hosted by Ryan Inman, who spent more than a decade running a fee only planning firm exclusively for over 500 physician families. Named a Top 100 Financial Advisor in the U.S. by Investopedia, three years running. Taylor Inman, a pediatric pulmonologist, brings the physician to physician perspective. Want your own finances taken apart and rebuilt on the show? Start at financialfellowship.com.
Financial Fellowship is education, not financial advice. Ryan Inman is not a licensed investment adviser and does not provide individualized recommendations. Talk to your own professionals about your own situation.
Pediatric anesthesiologist, $990k a year, zero debt, $7.5M net worth | FHA
Sean is 47, a pediatric anesthesiologist, married to Kate with two kids. $990,000 a year in household income, zero debt of any kind, $7.5 million net worth. His intake form scored a 55 — ten minutes of conversation moved it to 80. I run the 6 vital signs, find the gaps in his protection stack, and show why the form never tells the whole story. Want yours taken apart? financialfellowship.com/submit
This podcast is for education and entertainment purposes only. Nothing mentioned is individualized financial, medical, or legal advice.
7 Oct 2026
Mid-career portfolio cleanup
Mid-career physicians often accumulate a messy collection of accounts — old 401(k)s, multiple IRAs, taxable accounts, and employer plans. In this episode, Ryan and Daniel Wrenne walk through how to clean it up: consolidating accounts, simplifying your portfolio, and making sure your investments actually match your plan.
Topics covered:
- Why mid-career physicians end up with scattered accounts
- How to decide what to consolidate vs keep separate
- Simplifying your investment lineup without losing diversification
- Common mistakes when cleaning up a portfolio
Full show notes at financialfellowship.com.
5 Oct 2026
The 401(k) Was an Accident
A physician sits down to pick her 401(k) investments. 27 fund options. Zero training for this decision. Nobody ever designed this system. It grew out of a 1978 tax provision about executive bonuses that one consultant read differently than everyone else.
Ryan traces how a narrow law became America's retirement system, why pensions actually died in the 2000s (not 1981), and what the three real risks are for physicians building their retirement on this accident.
Have a question? Send it to financialfellowship.com/submit and I'll answer it on air.
This podcast is for education and entertainment purposes only. Nothing mentioned is individualized financial, medical, or legal advice.
30 Sept 2026
The Mid Career Physician Savings Rate Illusion
You tell yourself you're saving 40%. Then we open the spreadsheet and find the mortgage, the student loans, the car payment, and that 40% gets a lot smaller.
This week Daniel Wrenne joins me to strip the savings rate down to what's real: what actually goes into investable assets. We cover what counts as savings (and what doesn't), why maxing out your 403(b) isn't enough at a physician income, and the one test every attending household should run, cut one clinical day on paper and see if your plan survives.
We also get into building margin into your plan, Monte Carlo versus linear projections, and why the "just pick up an extra shift" button is a slippery slope.
Have a question? Send it to financialfellowship.com/submit and I'll answer it on air.
This podcast is for education and entertainment purposes only. Nothing mentioned is individualized financial, medical, or legal advice.
28 Sept 2026
You Were Trained to Be Bad With Money
You were trained to be bad with money. In 1910, the Flexner Report rebuilt American medical education around expensive lab science. It accidentally built a financial training system that teaches doctors to ignore money for 15,000 hours, then graduates them into their highest-stakes financial decade with zero preparation.
Ryan traces the building: how curriculum hours, board exams, and the tuition-funded model standardized an education that contains germ theory but left out how income works, how debt behaves, and how to protect a family.
The reframe is simple. It's not a you problem or a doctor problem. It's a building problem, and buildings can be remodeled.
This podcast is for education and entertainment purposes only. Nothing mentioned is individualized financial, medical, or legal advice.
25 Sept 2026
Orthopedic surgeon, $620k income, $14k a month nobody can find | FHA
An orthopedic surgeon 2 years out of fellowship sends in the whole picture. $620,000 a year, two kids under 4, a rural property with a tractor and an orchard, $312,000 of debt costing under $5,000 a year, two own occupation disability policies, and a reported $400 a month of variable spending. I run the 6 vital signs, score it 61 out of 100, and find about $14,000 a month this household can't account for. Want yours taken apart? financialfellowship.com/submit
This podcast is for education and entertainment purposes only. Nothing mentioned is individualized financial, medical, or legal advice.
23 Sept 2026
Your 403(b) Is Maxed. Now What?
You already maxed your 403(b) and you don't know what to do next. In this episode, Ryan Inman and Daniel Wrenne walk through the funding order for mid career physician households. From HSA to finishing with the taxable brokerage account, describing each account in between.
To learn more, the written walkthrough is on our site: https://financialfellowship.com/how-to/next-dollar-funding-order/
This podcast is for education and entertainment purposes only. Nothing mentioned is individualized financial, medical, or legal advice.
18 Sept 2026
Surgical subspecialist, $1.15M, $130k a year to charity, no will | FHA
A surgical subspecialist earning $1.15 million sends in the most matter of fact file this show has been handed. A one bedroom apartment by choice, $33,000 saved a month, $130,000 a year given away, and not one dollar of it routed for tax. I run the 6 vital signs, score it 66 out of 100, and lay out the 5 fixes that make the systems finally match the discipline. Want yours done? financialfellowship.com/submit
This podcast is for education and entertainment purposes only. Nothing mentioned is individualized financial, medical, or legal advice.
16 Sept 2026
The Rise of the AI Advisor
AI can sync accounts, spit out a plan, and even pass the exams that scare humans. What it still cannot do is sit with a physician household as a fiduciary: pick values when two good answers collide, keep life insurance on the table when you would rather skip it, or put your family ahead of everyone else in the model.
Ryan Inman and Daniel Wrenne walk through where AI belongs (the calculator side), where it fails (accountability and duty), and how to choose: DIY, joining our membership when you want tools, or a human planner when you want someone who uses the tools and is your accountability partner and trusted advisor.
Icebreakers and the AI path: https://financialfellowship.com/ai/
DIY systems: https://financialfellowship.com/unlocked/
This podcast is for education and entertainment purposes only. Nothing mentioned is individualized financial, medical, or legal advice.
14 Sept 2026
Money As You Knew It Has Died
Your paycheck multiplied five times overnight and the house still got further away. That's not a budgeting problem. It's a currency you were never taught to read. The story of 2008, the room where it started, and the mechanism that's been running under every offer letter since.
This podcast is for education and entertainment purposes only. Nothing mentioned is individualized financial, medical, or legal advice.
Melissa is in her final year of ophthalmology residency. Bryce is home full time with their four kids under 10. One income at $63,000, $435,000 in federal loans, a credit card balance, nothing saved, and a financial health score of 21 out of 100. Ryan breaks down the household numbers on air so you can learn what the workup looks like when the stakes are real.
This podcast is for education and entertainment purposes only. Nothing mentioned is individualized financial, medical, or legal advice.
9 Sept 2026
Healthcare in Retirement: Why $172,500 Is Low for Physicians
Fidelity's 2025 estimate says one person needs $172,500 for healthcare across retirement. Daniel Wrenne thinks that number runs low for physicians, and he walks through why: long term care and dental aren't in it, concierge medicine isn't in it, and the tax bracket a physician retires in pushes it higher. You'll get his ballpark for the gap years between an early retirement and Medicare, his case for why long term care insurance usually loses to self insuring, and why he'd treat an HSA as the last account you touch instead of the first.
This podcast is for education and entertainment purposes only. Nothing mentioned is individualized financial, medical, or legal advice.
8 Sept 2026
How I Think About Debt | Orientation
Physician debt is not just a balance to eliminate—it is a factor in the broader plan for cash flow, career choices, and long-term flexibility. In this orientation, Ryan shares how he thinks about debt, weighing interest costs, repayment options, and the role of debt in building a durable financial life.
This podcast is for education and entertainment purposes only. Nothing mentioned is individualized financial, medical, or legal advice.
8 Sept 2026
How I Think About Investing | Orientation
In this Orientation episode, Ryan shares how he thinks about investing for physicians: keep it boring on purpose and build a plan that can hold up through busy seasons. He focuses on consistent behavior, sensible diversification, and staying invested rather than trying to outsmart the market by picking winners. The goal is a calm, repeatable approach that supports a physician’s broader financial life.
This podcast is for education and entertainment purposes only. Nothing mentioned is individualized financial, medical, or legal advice.
8 Sept 2026
How Physicians Get Sold | Orientation
Physicians are the most heavily marketed to earners in the country, and almost none of the marketing announces itself. Ryan spent over a decade running a fee only planning practice for physician families, and in this orientation episode he walks through how the pitches actually arrive, who is paid what when you say yes, and why the same advice keeps showing up from people who have never met each other. Insurance, the advice chair, the mortgage, the refinance button, the courses, the syndications, the signing bonus, and this show's own money path, all of it with the compensation named out loud.
This podcast is for education and entertainment purposes only. Nothing mentioned is individualized financial, medical, or legal advice.
8 Sept 2026
How to Hire Financial Help | Orientation
Most physicians hire financial help the same way, which is by calling whoever a colleague mentioned, and the word advisor covers several completely different jobs with completely different pay. Ryan Inman ran a fee only financial planning firm for physician families for over a decade before selling the practice, and in this orientation episode he gives a straight recommendation instead of a menu: hire a fee only financial planner, meaning somebody nobody else can pay. Then he walks through the 5 questions to ask on a first call and what a good answer to each one actually sounds like, what not to shop on, and how to leave an existing relationship cleanly if you already know it isn't working.
This podcast is for education and entertainment purposes only. Nothing mentioned is individualized financial, medical, or legal advice.
8 Sept 2026
Financial Life Planning | Orientation
Most physicians build a plan around accounts and rates of return without ever answering what the money is actually for. Ryan walks through how a real life plan changes what you keep, what you cut, and which “smart” moves stop mattering once the household picture is clear — including the workbooks and weekly practices that make the answer stick.
This podcast is for education and entertainment purposes only. Nothing mentioned is individualized financial, medical, or legal advice.
8 Sept 2026
The Frameworks | Orientation
This Orientation episode lays out the Financial Fellowship frameworks — original tools every Monday, Wednesday, and Friday show leans on. Ryan names and defines the set once so later episodes can use them without re-explaining: Financial Vital Signs (the six-number diagnostic behind every Financial Health Assessment), the 3 Bucket Framework, the Physician Wealth Equation, the Decision Filter, the Protection Stack, the Tax Efficiency Ladder, the Income Machine, Lifestyle Guardrails, and the Attending Transition Blueprint. Named once, defined once, referenced constantly. If you listen to one Orientation before the rest of the catalog, make it this one.
This podcast is for education and entertainment purposes only. Nothing mentioned is individualized financial, medical, or legal advice.
2 Sept 2026
Welcome to Your Financial Fellowship
Welcome to your financial fellowship! In this inaugural episode, your host Ryan Inman breaks down what the podcast is all about. He also discusses where he went and why he walked away from a thriving fee only planning practice that served more than 500 physician families. Burnout, a Type 1 diabetes diagnosis, the life planning work and transitioning every client family to somebody he trusted completely.
This podcast is for education and entertainment purposes only. Nothing mentioned is individualized financial, medical, or legal advice.
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