Rehab Your Finances

Healthcare and education professionals spend their careers caring for others—often at the expense of their own financial clarity and security. At some point, many of us quietly wonder, “Who’s taking care of me?” Hosted by Mike Powers , physical therapist and full-time educator, this podcast examines personal finance through the shared culture, constraints, and values of healthcare and education. Like good clinical care and effective teaching, personal finance lives at the intersection of evidence, judgment, and human behavior. Each episode helps you place data and strategy within the context of your goals, priorities, and psychology—so you can move forward with confidence and intention.

Rehab Your Finances is a business podcast hosted by Mike Powers, with 13 episodes on record and a Required Pod Score of 80. PitchCentric scores this show on Booking Probability, Listen Score, and live audience signals refreshed every 24 hours.

Mike Powers hosts Rehab Your Finances, a business show with 13 episodes published.

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  Episode #12

  Caregiving Considerations

  Aug 3, 202626 minS1

  In this episode, Mike examines the impact of caregiving on finances. After outlining income and job growth data for physical therapists, nurses, and educators, he outlines key factors impacting job satisfaction and burnout among these caregiving professions. He then discusses the impact of caregiving for young children and/or aging family members, highlighting the value of a supportive workplace and building out a financial buffer. Throughout this episode, Mike emphasizes the importance of autonomy, competence, social connections, and reasonable workload on job satisfaction and sustainable financial wellness. Takeaways PT, nursing, and teaching median incomes and job outlook Factors impacting job satisfaction and burnout, including secondary traumatic stress At least 20% of US adults are caregivers Childcare costs impact businesses, too Unpaid family care exceeds $96 billion annually References Physical Therapy job data Registered Nurses job data Kindergarten and Elementary Teachers job data High School Teachers salary income and job data Teachers Becoming Millionaires Physical Therapy Job Satisfaction Factors Impacting Physical Therapy Burnout Impact of Secondary Traumatic Stress on Healthcare Providers Hospital Worker Job Satisfaction Teacher Job Satisfaction Economic Impact of Child Care by State Economic Impact of Child Care Challenges Financial Toll of Family Caregiving Get Paid as Family Caregiver Music: Perpetual Motion by Amarent via FMA (public domain) Contact: rehabyourfinances@drmichaelpowers.com

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  Episode #11

  Money Scripts

  Jul 20, 202620 minS1

  In this episode, Mike discusses money scripts - our hidden and often subconscious beliefs and stories we tell ourselves about money. He explores the impact of these scripts on our financial wellness, highlighting scripts which are correlated with lower net worth, lower income, and higher revolving debt. Mike highlights how our feelings about money are often uncorrelated to our actual money numbers due to the money scripts we unquestioningly follow. In this episode, Mike provides a framework for discovering and exploring the money scripts which may be holding you back from financial wellness. Takeaways Money scripts - hidden drivers of financial behaviors Klontz Money Script Inventory Scripts: money avoidance, money status, money worship, and money vigilance Remit Sethi's money types Money types: avoider, optimizer, worrier, dreamer How you feel about money is uncorrelated to your financial numbers High professional achievement does not necessarily correlate to rational financial decisions References Money Beliefs and Financial Behaviors: Development of the Klontz Money Script Inventory Discover the 4 Types of Money Scripts! (Video) How Clients' Money Scripts Predict Their Financial Behaviors Money Scripts: Why Do We Make Poor Money Choices? Evaluating the Klontz Money Script Inventory with a Diverse Sample Money For Couples Remit Sethi's 4 Money Types Music: Perpetual Motion by Amarent via FMA (public domain) Contact: rehabyourfinances@drmichaelpowers.com

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  Episode #10

  Deconstructing Retirement

  Jul 6, 202627 minS1

  In this episode, Mike questions whether the "magic" number for retirement is truly $1.46 million, as suggested in a recent Northwestern Mutual Planning and Progress survey. He outlines how to project your retirement needs by first determining your anticipated expenses and then applying the 25x rule. Mike discusses the key assumptions underlying the 25x rule and the 4% rule, including recent revisions to the 4% rule. He highlights why rules of thumb rarely align with real-life findings, citing evidence that most retirees end up needing and spending less in retirement than these rules of thumb would indicate. He closes by emphasizing how retirement extends far beyond financial numbers, citing examples of the common habits shared by the happiest retirees. In this episode, Mike provides a holistic view on retirement planning which places the financial numbers within the greater context of meaning and purpose. Takeaways Is $1.46 million the "magic" number for a comfortable retirement? The importance of knowing your estimated expenses in retirement Social Security - insolvency does not mean gone 25x rule and 4% rule - helpful for back of napkin calculations Key assumptions underlying the 4% rule Retirement risks: inflation, sequence of returns, healthcare Most retirees do not live solely off retirement portfolios Healthy financial habits now carryover into retirement Happiest retirees emphasize social connections, curiosity, and purpose References Americans Believe They Will Need $1.46 Million in Retirement Social Security Website Status of Social Security 2026 What is the Retirement Spending Smile? Why Most Retirees Will Never Draw Down Their Retirement Portfolio Five Lifestyle Secrets of the Happiest Retirees What The Happiest Retirees Know: 10 Habits for a Healthy, Secure, and Joyful Life Music: Perpetual Motion by Amarent via FMA (public domain) Contact: rehabyourfinances@drmichaelpowers.com

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  Episode #9

  The Magic of Compounding

  Jun 22, 202624 minS1

  In this episode, Mike demonstrates how annual returns and time spent invested interact to produce unbelievable results which seem like magic. He peels back the curtain on the magic of compounding, including an in-depth discussion of how to make it work for you instead of against you. He highlights how each percentage point makes a tremendous difference in long-term investing, which is why you should understand how expense ratios and financial fees impact your returns. In this episode, Mike provides actionable insights to empower you toward taking control of your financial plan and wellness! Takeaways The magic of compound interest Analogy of the lily pad taking over the pond Rule of 72 for estimating doubling time Importance of time in the market Using a compound interest calculator Nominal vs real returns (and why you should care) Why 1.5% is a big deal References Compound Interest Calculator Passive Fund Information Understanding Expense Ratios Morningstar: When Do Active Managers Win? Vanguard's VOO Hits 1 Trillion Dollars How Much Does a Financial Advisor Cost? In Defense of AUM Fees Music: Perpetual Motion by Amarent via FMA (public domain) Contact: rehabyourfinances@drmichaelpowers.com

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  Episode #8

  Stocks, Bonds, and Cash

  Jun 8, 202624 minS1

  In this episode, Mike discusses how investment types can be considered across the categories of equities, fixed-income, and cash. He breaks down the general risk and return of each investment type, including how risk and return can be considered when determining asset allocation within the investment accounts discussed during the last episode. In this episode, Mike provides actionable insights to help you make intentional and informed investment decisions. Takeaways Investments fit into three main categories Sending your money out to make money Risk and reward in investing Tax considerations in asset allocation Benefits of long-term investing The importance of diversification Psychology of investing and avoiding unnecessary risk References What is a Bond? Evidence for All Equities Portfolio Asset Allocation and Taxes The Simple Path to Wealth The Psychology of Money Music: Perpetual Motion by Amarent via FMA (public domain) Contact: rehabyourfinances@drmichaelpowers.com

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