Scripted Wealth | Money & Meaning for Pharmacists

In this episode, we tackle a common question: what's the best way to create and stick to a budget? There's no one-size-fits-all answer, so it's about finding a method that works for you. We'll explore three popular approaches—No Budget, the 50/30/20 rule, and more—to help you discover a budgeting style you can stick with over time. Mentioned on the Show: YFP Budget Template Submit a Question to Be...

Tim Ulbrich, YFP CEO, explores five often-overlooked areas of financial planning from credit, tax planning, emergency funds, insurance, and estate planning. Summary YFP CEO Tim Ulbrich dives into five critical—but often overlooked—areas of financial planning that deserve more attention. While these topics might not be as thrilling as investing, making big purchases, or debt reduction, they're esse...

In this episode, Tim Ulbrich shares his honest take on the popular Dave Ramsey 7 Baby Steps, what he thinks works and what doesn't. Whether you're new to these steps or already know them well, Tim reviews each step and breaks down the pros and cons from his perspective. Mentioned on the Show: Ramsey: The 7 Baby Steps Submit a Question to Be Featured on Rx Money Roundup Subscribe to the YFP Newslet...

Nate Hedrick and David Bright unpack the latest market trends, revealing how list prices can mislead, why appraisals tell the real story, and how smart renovations and a knowledgeable realtor can unlock hidden property value. Summary In this episode, hosts Nate Hedrick and David Bright dive into the latest twists and turns of the real estate market, giving an insider's look at the fall slowdown an...

Joe Baker, personal finance instructor, returns for inspiring conversation about purposeful living, the power of mentorship, and the enduring impact of a life well-lived. Summary In this episode, we welcome back Joe Baker, MBA for his third appearance on the show. Joe first joined us in 2019 with his former student Blake Johnson, where they shared the inspiring story of their debt-free journey, hi...

Tim Ulbrich, PharmD, discusses the impact of recent federal interest rates on student loans, with a focus on how these changes affect borrowers currently attending school this fall. Mentioned on the Show: Submit a Question to Be Featured on Rx Money Roundup Subscribe to the YFP Newsletter YFP Disclaimer

Tony Umholtz from First Horizon Bank returns to tackle the top 10 questions first-time home buyers often ask. This episode is brought to you by  First Horizon . Summary Tony Umholtz from First Horizon Bank returns to tackle the top 10 questions first-time home buyers often ask. With over 20 years of experience in the mortgage industry, Tony covers essential topics like when it's better to buy vers...

We all love our pets - but at what cost? YFP Co-Founders Tim Ulbrich and Tim Baker take a listener question on how to determine whether or not it makes sense to purchase pet insurance. Mentioned on the Show: Submit a Question to Be Featured on Rx Money Roundup Subscribe to the YFP Newsletter YFP Disclaimer

In this episode, YFP Co-Founders Tim Ulbrich and Tim Baker tackle a question that has not gotten a lot of attention in recent years given the rise in interest rates, which is: "Should I refinance my mortgage and when is it a good time to refinance?" Mentioned on the Show: Submit a Question to Be Featured on Rx Money Roundup Subscribe to the YFP Newsletter YFP Disclaimer

Tim Ulbrich and Tim Baker discuss the role of credit in financial planning: why it matters, how it works, what makes up a credit score, common credit misconceptions and more. Summary In this episode, Tim Ulbrich and Tim Baker discuss the role of credit in financial planning. They explore why credit matters, how it works, and how it influences important areas in your financial plan. Tim and Tim bre...

In this episode, YFP Co-Founders Tim Ulbrich and Tim Baker dive into practical strategies for investors to navigate market volatility, especially in light of the turbulence we've experienced over the past year. They explore how to maintain a long-term perspective while acknowledging the real emotions—fear, anxiety, and uncertainty—that can arise during times of market fluctuation. Mentioned on the...

Rich Delgado, Managing Director at DLP Capital, discusses passive real estate investing, particularly for pharmacists who may want to diversify their financial portfolio. Summary In this episode, Rich Delgado, Managing Director at DLP Capital, joins hosts David Bright and Nate Hedrick to explore passive real estate investing, particularly for pharmacists who may want to diversify their financial p...

Dr. Brooke Griffin, founder of Bold Idea Group, shares her career journey in pharmacy academia to launching her own coaching business.  This episode is brought to you by  First Horizon . Summary In this inspiring episode, Tim Ulbrich introduces Dr. Brooke Griffin, a coach, mentor, and founder of Bold Idea Group. Dr. Griffin shares her career journey in academia to eventually launching her own busi...

On this week's episode of the Rx Money Roundup, Tim Ulbrich, PharmD and YFP Co-Founder challenges listeners to think about and define what financial success looks like for them. Mentioned on the Show: Submit a Question to Be Featured on Rx Money Roundup Subscribe to the YFP Newsletter YFP Disclaimer

Tim Baker, CFP® tackles 10 questions for those considering early retirement from sources of income, handling market volatility, health insurance options and more. Summary This week, Tim Baker, CFP®, RLP®, RICP® and Tim Ulbrich, PharmD are tackling 10 questions for those considering early retirement. They discuss sources of income in retirement, handling market volatility when no longer working, he...

On this week's episode of the Rx Money Roundup, YFP Co-Founders, Tim Ulbrich and Tim Baker, take a question from Jacob in Cincinnati, OH: "How should I prioritize investing if my employer doesn't have a 401(k) match?" Mentioned on the Show: Submit a Question to Be Featured on Rx Money Roundup Subscribe to the YFP Newsletter YFP Disclaimer

Kamren Gallon, PharmD shares how he is able to successfully flip and sell houses, the importance of mentors, and how he balances his real estate investments with his pharmacy career. Summary Kamren Gallon, PharmD returns to the show and shares his journey from flipping six to eight houses a year to 20-25 houses a year, emphasizing the importance of having a mentor. He also discusses the benefits o...

Gathering wisdom from his own journey and those of many other pharmacists, Tim Ulbrich, YFP CEO, shares ten moves that are key in building a strong financial foundation. Summary YFP CEO and Co-Founder, Tim Ulbrich, distills the lessons learned from his own financial journey and from speaking with thousands of pharmacists about their financial plans into a list of ten moves that are key in building...

On this week's episode of the Rx Money Roundup, YFP Co-Founder and CEO Tim Ulbrich, PharmD, discusses the point at which your savings should outearn your income as a pharmacist. Mentioned on the Show: BLS Pharmacist Data Submit a Question to Be Featured on Rx Money Roundup Subscribe to the YFP Newsletter YFP Disclaimer

Brandon Gerleman, PharmD shares the strategy for how he paid off $160k of debt. This episode is brought to you by  APhA . Summary Brandon Gerleman, a 2017 pharmacy graduate from the University of Iowa, shares his journey of paying off $160k of debt through not one, not two, but five refinances along the way. Brandon discusses his repayment strategy, why he decided for a more aggressive loan payoff...

On this week's episode of the Rx Money Roundup, YFP Co-Founders, Tim Ulbrich and Tim Baker, discuss how potential interest rate cuts this September could impact you and your financial plan. Mentioned on the Show: Submit a Question to Be Featured on Rx Money Roundup Subscribe to the YFP Newsletter YFP Disclaimer

Greg Zinis, PharmD, shares his journey into investing in real estate in and around his town of Norfolk, Virginia. Summary In this episode, Greg Zinis, PharmD shares his journey into investing in real estate in and around his town of Norfolk, Virginia. From buying his first property in 2010, a rental in Virginia Beach, to earning his Realtor's license in 2024, Greg has expanded further into real es...

Tim Ulbrich interviews Emmanuel Ayanjoke, PharmD, on his journey to opening an independent pharmacy in Avondale, tackling challenges with vision, risk-taking, and community care. This episode is brought to you by First Horizon . Summary In this inspiring episode, Tim Ulbrich interviews Emmanuel Ayanjoke, R.Ph, PharmD, MBA, a third-generation pharmacist with a passion for community care. Emmanuel s...

On this week's episode of the Rx Money Roundup, YFP Co-Founders Tim Ulbrich and Tim Baker discuss what the data has to say about the purchasing power of a pharmacist's salary and whether or not it's eroding to inflation and stagnant wages. Mentioned on the Show: Submit a Question to Be Featured on Rx Money Roundup Subscribe to the YFP Newsletter YFP Disclaimer

In this episode of the Pharmacy Innovators series hosted by Dr. Corrie Sanders, we meet Dr. Aaron Emmel, a pharmacist with a diverse career path.  This episode is brought to you by YFP+ . Summary In this latest episode of the Pharmacy Innovators series hosted by Dr. Corrie Sanders, we meet Dr. Aaron Emmel, a pharmacist with a diverse career path.  Dr. Emmel shares how open doors and opportunities...