Scripted Wealth | Money & Meaning for Pharmacists

For many pharmacists, work becomes part of who they are. Learn how identity, purpose, career transitions, and retirement are deeply connected. Episode Summary For many pharmacists, work becomes more than a job. After years of education, training, and professional growth, being a pharmacist can become deeply connected to how we see ourselves. But what happens when career goals are achieved, a trans...

Mid-career pharmacists face bigger decisions than ever. Learn how to navigate retirement, family priorities, and life's financial tradeoffs. Episode Summary Many pharmacists enter their 40s and 50s feeling financially stable, but also increasingly stretched. They're often in their peak earning years, peak spending years, and peak responsibility years all at the same time. In this episode, Tim & Ti...

You've spent decades saving for retirement. Learn how to turn those assets into a sustainable paycheck while managing taxes, healthcare, and risk. Episode Summary Pharmacists typically spend decades focused on accumulating wealth for retirement. Saving consistently, investing wisely, and watching account balances grow become familiar habits. But what happens when it's time to reverse course and st...

What does it really mean to be "on track" financially? Tim & Tim unpack net worth, comparison, lifestyle creep, and financial clarity. Episode Summary In this episode of Scripted Wealth: Money & Meaning for Pharmacists, Tim Ulbrich and Tim Baker unpack one of the most common and emotionally loaded questions pharmacists ask themselves: "Am I on track financially?" The conversation explores how many...

What does a rich life actually mean? A conversation about money, fulfillment, time, and building a life aligned with what matters most. Episode Summary In this episode of Scripted Wealth: Money & Meaning for Pharmacists, Tim & Tim move beyond traditional financial planning conversations to explore the deeper connection between money, time, purpose, and fulfillment. Many pharmacists spend years che...

After 500+ episodes, a new chapter begins. Learn why YFP is evolving and how to align your money with meaning to live a rich life today and tomorrow. Episode Summary After more than 500 episodes of the Your Financial Pharmacist Podcast, Tim Ulbrich, PharmD and Tim Baker, CFP®, RICP®, RLP® introduce a new chapter: Scripted Wealth: Money and Meaning for Pharmacists . In this episode, they share the...

Buying a home in 2026? Learn loan options, rate trends, and a new zero-down opportunity for pharmacists with mortgage expert Tony Umholtz. Episode Summary In this episode, Tim Ulbrich, PharmD welcomes back Tony Umholtz, Senior VP of Mortgage Banking at First Horizon, to break down what pharmacists and healthcare professionals need to know about buying a home in 2026. From navigating a volatile int...

Dr. Emlah Tubuo shares how intentional living, whole-person care, and mindset are reshaping pharmacy, leadership, and personal wellbeing. Episode Summary In this episode of the YFP Podcast, Tim Ulbrich, PharmD sits down with Dr. Emlah Tubuo to explore what intentional living looks like in real life and in modern pharmacy practice. Emlah shares how Powell Pharmacy has evolved beyond dispensing into...

What if financial success isn't about saving more, but aligning money with the life you want today? Episode Summary After years of doing "everything right" financially, many pharmacists reach a surprising crossroads: retirement feels on track, but something still feels off. In this solo episode, Tim Ulbrich, PharmD reflects on a counterintuitive decision he has made over the past five years by int...

Tim Ulbrich, PharmD covers 10 practical year-end financial moves to reduce tax burden, build clarity, and start 2026 with confidence—plus a bonus step most people overlook. Episode Summary As 2025 winds down, it's tempting to push financial decisions into January. But some of the most impactful moves you can make happen before the calendar turns. In this episode, YFP Co-Founder & CEO Tim Ulbrich,...

Tim & Tim discuss how to handle a windfall or inheritance with clarity emotionally, financially, and strategically during the biggest wealth transfer in U.S. history. This episode is brought to you by the American Pharmacists Association (APhA). Episode Summary Handling a windfall or inheritance isn't just about the money—it's an emotional, relational, and identity-level shift. Whether it's an inh...

Pharmacist and entrepreneur Peyton Gilbert shares how intentional living, saving 50% of income, and family business ownership created flexibility and freedom. Episode Summary In this episode of the YFP Podcast, Tim Ulbrich sits down with Dr. Peyton Gilbert—a pharmacist, entrepreneur, and small-business owner whose story is a masterclass in intentional living. Peyton shares how he and his wife save...

Tim & Tim discuss whether to pay off your mortgage early or invest, breaking down math, mindset, and goals for 2025's financial landscape. This episode is brought to you by First Horizon. Episode Summary In this episode of the YFP podcast, co-hosts Tim Ulbrich, PharmD, and Tim Baker, CFP®, RICP®, RLP® revisit the frequently asked question: 'Should I pay off my mortgage early or invest the differen...

Tim & Tim unpack passive vs. active investing, fees, behavior, and why YFP takes an "actively passive" approach to help pharmacists reach goals. Episode Summary In this episode of the YFP podcast, co-hosts Tim Ulbrich, PharmD and Tim Baker, CFP®, RICP®, RLP® dive into the ongoing debate of passive versus active investing. They break down the definitions of each strategy, discuss where each might f...

Are you measuring your financial success by the wrong metric? In this episode, Tim Ulbrich, PharmD, dives into why income can be misleading and why net worth is the true measure of financial progress. This episode is brought to you by First Horizon. Episode Summary Are you measuring your financial success by income alone? In this episode, Tim Ulbrich shares the wake-up call that changed everything...

Retirement isn't just about the numbers. Tim Ulbrich, PharmD and Tim Baker, CFP® and Registered Life Planner, explore how life planning can help you design a retirement filled with purpose, meaning, and fulfillment, not just financial security. Episode Summary When it comes to preparing for retirement, most conversations focus on the financial side—things like income planning, Social Security timi...

Is it possible for a pharmacist to save $1M by 40? In this episode, we break down the math, explore money mindsets, and share my journey from –$225K in debt after residency to reaching millionaire status with practical strategies to build wealth. Episode Summary In this episode, we tackle one of the most common (and debated) money questions: Is it realistic for a pharmacist to reach $1 million by...

Taking risks with your money, career, or life goals isn't easy, especially if you don't feel secure. In this episode, Tim Ulbrich, PharmD, explores how to build both the financial and emotional foundation you need to step out of survival mode and start taking calculated risks with confidence. Episode Summary Without security, it can be difficult to take risks. In this episode, YFP Co-Founder & CEO...

Health Savings Accounts (HSAs) are a modest but mighty tool for healthcare and retirement planning with a rare triple-tax advantage. Tim Ulbrich and Tim Baker share 2025 limits, key benefits, and common mistakes pharmacists make. This episode is brought to you by First Horizon. Mentioned on the Show First Horizon's Pharmacist Home Loan YFP Blog: Why I'm Not Using My Health Savings Account to Pay f...

Tim Ulbrich and Tim Baker tackle one of the most common questions we hear from pharmacists: "Do I need this whole life insurance policy?" They dive into who needs coverage, common misconceptions, and why the "buy term and invest the difference" strategy may be the smarter approach. This episode is brought to you by APhA. Episode Summary YFP Co-Founder & CEO, Tim Ulbrich, PharmD, and YFP Co-Founder...

Asking for and getting a raise can make a significant difference in your financial plan for years to come. In this episode, Tim Ulbrich walks through a five-step playbook with practical tips and strategies to help you confidently ask for and get the raise you deserve. Episode Summary Asking for and getting a raise can make a massive difference in your financial plan, not just today, but for years...

In this special episode, Tim Ulbrich introduces the winners of the YFP Gives scholarship. Deja Preusser, Zipporah Williams, Michaela Martin-Worley, Julia Miller, and Mildred Asamoah share their inspiring stories, showcasing the drive, resilience, and vision of the next generation of pharmacy leaders. Episode Summary YFP Co-Founder & CEO, Tim Ulbrich, PharmD introduces the five recipients of the 20...

Buying a home can feel overwhelming, especially for pharmacists facing student loans, rising rents, and high interest rates. Tony Umholtz, mortgage loan officer at First Horizon, shares a realistic path to homeownership, even in today's challenging real estate environment. This episode is brought to you by First Horizon. Episode Summary Buying a home as a first-time buyer in today's market can fee...

Cory & Cassie Jenks return 5 years after first sharing their Coast FI journey. Tim Ulbrich talks with them about career shifts, family life, and how they're balancing financial freedom with living fully while raising three kids under six. Episode Summary In early 2020, pharmacists Cory and Cassie Jenks shared their inspiring journey toward Coast FI on Episode 134 of the YFP Podcast, explaining how...

Tim Ulbrich, PharmD, breaks down student loan updates from the Big Beautiful Bill, including key changes, how we got here, and what it means for your repayment strategy. Episode Summary In this episode, YFP Co-Founder & CEO, Tim Ulbrich, PharmD breaks down recent student loan updates stemming from the newly passed Big Beautiful Bill. With so many repayment options, formulas, and acronyms flying ar...