Scripted Wealth | Money & Meaning for Pharmacists

Tim Ulbrich talks with Nate Hedrick and David Bright as they break down the rent vs. buy dilemma in today's market, tackling equity, flexibility, financial strategy, and key market insights. Summary Tim Ulbrich talks with real estate investors Nate Hedrick, PharmD and David Bright, PharmD as they dive into the rent vs. buy decision in today's housing market, offering practical insights and real-li...

YFP Co-Founders, Tim Ulbrich and Tim Baker answer two listener submitted questions about growing income and saving for your child's college education. Summary In this episode, Tim Ulbrich, PharmD and Tim Baker, CFP tackle two listener submitted questions. Cory from Arizona seeks advice on how pharmacists, in addition to cutting expenses, can increase their income to achieve their financial goals....

Tim Baker, CFP®, and Tim Ulbrich, PharmD, share strategies to address fees, inflation, and taxes, helping you keep your investment portfolio fit and achieve your financial goals. Summary In this episode, Tim Baker, CFP® and Tim Ulbrich, PharmD discuss a crucial topic related to personal finance: keeping your investment portfolio fit. Tim and Tim explore three silent threats to your investments—fee...

Tim Ulbrich shares insights from seven financial books that shaped his journey, offering key lessons on saving, spending, mindset, and building wealth. Summary In this episode, Tim Ulbrich highlights seven impactful financial books that shaped his journey, including I Will Teach You to Be Rich by Ramit Sethi, Die with Zero by Bill Perkins, and Rich Dad, Poor Dad by Robert Kiyosaki. He shares key t...

Tim Ulbrich, YFP Co-Founder, shares 5 key financial moves to align your goals, enjoy life now, and build a secure future. Summary In the first episode of the year, Tim Ulbrich, YFP Co-Founder, dives into strategies for aligning your personal and professional goals to make 2025 your best year yet. He shares five essential financial moves to help you strike the perfect balance between enjoying life...

David Bright and Nate Hedrick share their annual real estate predictions for the year ahead and reflect on trends of 2024.  Summary Join hosts David Bright, PharmD and Nate Hedrick, PharmD as they close out 2024 with their third annual real estate investing predictions. Reflecting on their past forecasts for the year, they explore why rates and housing prices didn't align with expectations and emp...

Tim Ulbrich , YFP CEO, celebrates over 2 million downloads of the YFP Podcast by sharing some of his favorite episodes and listener stories. He also previews exciting projects ahead in 2025 for YFP. Summary In this special year-end episode, host Tim Ulbrich reflects on a milestone year, celebrating over 2 million downloads of the YFP Podcast. He shares powerful listener stories, recaps his top thr...

Four pharmacist entrepreneurs share their journeys from pharmacy to thriving businesses, offering tips, actionable advice and inspiration. This episode is brought to you by APhA . Summary In this engaging panel discussion, four pharmacist entrepreneurs—Brooke Griffin, Jimmy Pruitt III, Kelley Carlstrom, and Natalie Park—share their unique paths from pharmacy to thriving businesses. Discover how th...

Jeff Chheuy, a pharmacist turned real estate investor and content creator, shares his journey and success in real estate investing. Summary In this episode, David Bright and Nate Hedrick talk with Jeff Chheuy, a pharmacist turned full-time real estate investor. Jeff shares his journey into real estate investing and emphasizes the importance of finding the right market for short-term rentals, lever...

In today's episode, we're diving into one of Tim Baker's favorite topics (cue sarcasm and an annoyed face): backdoor Roth IRAs. You've probably heard the term thrown around, but what exactly is a backdoor Roth IRA, and is it something you should consider? More importantly, should you tackle it on your own or leave it to the professionals? We break down the basics of what a backdoor Roth IRA is, wh...

In part two of their cryptocurrency series, YFP Co-Founders Tim Baker and Tim Ulbrich discuss spot Bitcoin ETFs, the IRS's stance on cryptocurrency, and strategies for incorporating digital assets into long-term portfolios. This episode is brought to you by First Horizon . Summary This week in part two of  the series on cryptocurrency and digital assets, YFP Co-Founders Tim Baker, CFP and Tim Ulbr...

In this episode, YFP Co-Founders Tim Baker and Tim Ulbrich break down the intricacies of 401(k) loans, explaining how they function, how interest is calculated, and the key factors to consider when determining if they're a smart financial decision. Mentioned on the Show: Submit a Question to Be Featured on Rx Money Roundup YFP Book a Discovery Call: Financial Planning Services Subscribe to the YFP...

Naeem Farokhnia, an engineer-turned-real estate investor and CEO of TheSFPropertyManagement Inc, shares his journey into real estate investing to eventually launching his own property management company. Summary In this episode, hosts Nate Hedrick and David Bright welcome Naeem Farokhnia, an engineer-turned-real estate investor and founder and CEO of TheSFPropertyManagement Inc, a technology enabl...

Tim Ulbrich and Tim Baker discuss cryptocurrency, examining its advantages like decentralization and transparency and risks such as volatility and regulatory uncertainty. Summary In this first episode of a two-part series on cryptocurrency and digital assets, YFP Co-Founders Tim Ulbrich and Tim Baker explore the world of digital finance and its relevance in today's financial landscape. Tim and Tim...

Tim Ulbrich revisits his 2019 conversation with David Burkus, author of Friend of a Friend, to explore how we can rethink networking and build relationships that unlock new opportunities. This episode is brought to you by First Horizon . Summary In this week's episode, YFP Co-Founder Tim Ulbrich revisits a 2019 conversation with David Burkus, best-selling author of Friend of a Friend, to explore h...

Life insurance is essential for pharmacists to safeguard loved ones, cover student loans, and secure financial stability in the face of unexpected events. With significant debt and financial responsibilities, pharmacists require tailored coverage to meet their unique needs. In this episode, we tackle a listener's question about what to do once a 30-year term-life insurance policy ends. Mentioned o...

YFP Co-Founders Tim Baker and Tim Ulbrich discuss essential negotiation skills inspired by Chris Voss's book Never Split The Difference, covering key strategies to boost your financial plan, mindset, and confidence. Summary In this episode, YFP Co-Founders Tim Baker and Tim Ulbrich have a valuable conversation on negotiation—an essential skill that impacts not only finances but also mindset and co...

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