Scripted Wealth | Money & Meaning for Pharmacists

Tim Ulbrich and Tim Baker tackle questions from the YFP community on life insurance needs for expectant parents and eligibility for direct Roth IRA contributions. Summary On today's episode, YFP Co-Founders Tim Ulbrich, PharmD and Tim Baker, CFP tackle two important questions from the YFP community.  First, they dive into how to project your life insurance needs when welcoming a new baby into the...

In this episode, Tim Ulbrich chats with Anisha Patel, host of the Pharmacist Diaries podcast, about her journey through pharmacy, entrepreneurship, and personal growth, including her work at Oxford and Cleveland Clinic Abu Dhabi, and how launching her podcast during the pandemic opened new opportunities. Summary In this episode, Tim Ulbrich, YFP Co-Founder, is joined by Anisha Patel, host of the P...

Tim Ulbrich, YFP Co-Founder is joined by mortgage loan officer Tony Umholtz to discuss the mortgage process. They break down key steps, from getting pre-approved to closing, highlighting important considerations and common mistakes to avoid when buying a home. This episode is brought to you by First Horizon . Summary In this episode, Tim Ulbrich, YFP Co-Founder and CEO is joined by Tony Umholtz, a...

In this episode, Tim Ulbrich, YFP CEO looks at three powerful areas for growing your income: maximizing your compensation, real estate investing, and building side hustles or businesses. Summary While cutting expenses is a key part of managing your finances, there's a limit to how much you can cut. The good news? Your income has no ceiling.  In this episode, Tim Ulbrich, YFP CEO, looks at three po...

Tim Baker, CFP®, RICP®, RLP® and Tim Ulbrich, PharmD discuss the importance of maintaining a balanced asset allocation, the nuances of risk tolerance and capacity, and the different accounts you should be rebalancing. Brought to you by  First Horizon . Summary In this episode, Tim Baker, CFP®, RICP®, RLP®, and Tim Ulbrich, PharmD, explore the essentials of rebalancing your investment portfolio. Ti...

Tim Ulbrich, PharmD, and Tim Baker, CFP®, RICP®, RLP® dive into the challenges and rewards of managing money in a relationship. Summary In this episode, Tim Ulbrich, PharmD, and Tim Baker, CFP®, RICP®, RLP® dive into the challenges and rewards of managing money in a relationship. They break down how different approaches—whether merging finances completely, keeping some things separate, or managing...

Tim Ulbrich & Nate Hedrick break down 2025 housing trends, agent tips & the new buyer's agreement. Sponsored by Real Estate RPH. Summary Tim Ulbrich, YFP Co-Founder talks with Nate Hedrick, PharmD and Founder of Real Estate RPh as they break down the key trends shaping the 2025 housing market, from declining home sales to soaring interest rates. Nate shares what to look for in a real estate agent,...

Tim Ulbrich, YFP Co-Founder welcomes back David Zgarrick, PhD to share his journey into "preferment," balancing retirement, financial planning, and staying engaged through teaching and consulting. Summary In this episode, Tim Ulbrich, YFP Co-Founder, welcomes back David Zgarrick, PhD, as he shares his journey into what he calls the "preferment phase" of life. Dr. Zgarrick opens up about his transi...

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...