The Millionaires in Medicine Show

Millionaires in Medicine is the personal finance and investing podcast for physician assistants/associates (PAs), nurse practitioners (NPs), and pharmacists (PharmDs) who want to build wealth without burnout or finance-bro fluff. Hosted by Kristin Burton, a critical care & cardiology PA who became a self-made millionaire at 31, each episode covers student loan strategy, salary negotiation and career moves, investing for financial independence, and simple money systems that work for real clinician schedules so your income turns into options, time, and freedom.

The Millionaires in Medicine Show is a business podcast hosted by Unknown Host, with 35 episodes on record and a Required Pod Score of 80.

Unknown Host hosts The Millionaires in Medicine Show, a business show with 35 episodes published.

Our AI reads these to draft pitches. Use them as grounding for a pitch that cites a real guest and a specific topic.

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  Episode #34

  20-35%: The Pay Bump You Should Demand Before Going 1099

  Sep 22, 202652 minS1

  The PA Millionaire Path is out! If you're earning great income but feel like taxes are quietly eating into your ability to build real wealth, this book gives you the framework to make your income work harder for you. Buy it here: https://www.millionairesinmedicine.com/pabook W-2 or 1099? Employee or contractor? For a lot of PAs, NPs, pharmacists, and CRNAs, that decision gets made without ever fully understanding what's actually on the table — in terms of pay, taxes, deductions, and risk. In this episode, Kristin sits down with Jason Watson, CEO and partner of WCG CPAs and Advisors and a tax expert who's spent decades working specifically with medical professionals, to break down what most clinicians get wrong about contractor income, tax strategy, and real estate. Jason and Kristin dig into how much more you should actually be earning to make a 1099 contract worth it, why treating your 1099 income "like a business" unlocks a completely different set of tax tools, when an S-Corp election actually saves you money (and when it backfires), and the short-term rental tax strategy that's become one of the most talked-about tools in medicine right now — including exactly what it takes to qualify for it. Inside, you'll hear: The pay increase Jason and Kristin both recommend before accepting 1099 over W-2 work Why 1099 income unlocks deductions W-2 employees lost back in 2017 The income threshold where an S-Corp election starts to actually make financial sense A common, costly mistake medical professionals make with S-Corp timing when switching mid-year How a recent change to SALT limits is reshaping S-Corp tax strategy in 2026 Why long-term rentals are great for building wealth but do almost nothing for your tax bill The short-term rental loophole, what "material participation" actually requires, and how it can offset W-2 income Other advanced (and much riskier) tax strategies Jason sees medical professionals explore, from car washes to oil and gas Why Jason says roughly half of his strategy calls end with a client deciding to do nothing — and why that's actually a win If you've ever wondered whether you're leaving money on the table with your tax strategy, or you're weighing a 1099 opportunity and don't know what questions to ask, this episode will change how you think about your next conversation with a CPA. Ready for a real plan for your income, debt, and investing? Apply to join the MiM Coaching Program here: https://www.millionairesinmedicine.com/coach Resources / links WCG CPAs & Advisors: https://wcginc.com/tax-center/millionaires-in-medicine The PA Millionaire Path: https://www.millionairesinmedicine.com/pabook Disclaimer The Millionaires in Medicine Show is for educational and informational purposes only. The content shared is not intended as medical, legal, financial, or investment advice and should not be relied upon as such.

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  Episode #32

  9 PA Jobs Paying $200K+ With Just 2 Years of Experience

  Sep 8, 202611 minS1

  If you're earning a great income but aren't sure your money is actually building toward real wealth, this book gives you the framework to make that income work harder for you. Buy it here: https://www.millionairesinmedicine.com/pabook Most conversations about the highest paid physician assistant jobs start with locums, surgical first assisting, or building your own aesthetic practice. But there's a whole category of traditional, salaried PA jobs clearing $200,000+ a year that rarely gets talked about. In this solo episode, Kristin pulls real job postings from September 2026 and walks through nine of the highest paid physician assistant positions in the country right now: where they're located, what experience they actually require, and what the schedules really look like. Kristin breaks down which specialties keep showing up at the top of the highest paid physician assistant job postings, why some of these roles require surprisingly little experience, and why comparing salary alone can be misleading once you factor in shift structure and effective hourly rate. She also digs into a few standout postings that combine strong pay with a genuinely reasonable schedule, something a lot of PAs assume doesn't exist at this income level. Inside, you'll hear: The specialties that consistently produce the highest paid physician assistant roles Why several $200K+ jobs on this list only require 2-5 years of experience, not a decade A cardiothoracic surgery posting with a 7-on/7-off schedule and a strong salary range An emergency medicine job with a shift structure that may pay more per hour than jobs with a higher listed salary Why dermatology salaries posted online often understate real earning potential Two orthopedic surgery jobs offering $150K-$230K with Monday-Friday hours, no call, and no evenings Why earning a high income is only step one — and what separates high-earning PAs who build wealth from PAs who stay stuck on the income treadmill If you've ever assumed the highest paid physician assistant jobs require locums work, a side hustle, or a decade of experience, this episode will challenge that assumption with real postings and real numbers. Ready for a real plan for your income, debt, and investing? Apply to join the MiM Coaching Program here: https://www.millionairesinmedicine.com/coach Resources / links The PA Millionaire Path: https://www.millionairesinmedicine.com/pabook Disclaimer The Millionaires in Medicine Show is for educational and informational purposes only. The content shared is not intended as medical, legal, financial, or investment advice and should not be relied upon as such.

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  The Millionaires in Medicine Show

  Millionaires by 34: The Pharmacist Couple Beating the Odds by a Decade

  Aug 18, 202620 minS1

  The PA Millionaire Path is out! If you're earning a solid income but aren't sure your money is actually working toward real wealth, this book gives you the roadmap to change that. Buy it here: https://www.millionairesinmedicine.com/pabook We're kicking off a brand-new segment on the show: real spotlights on actual Millionaires in Medicine... clinicians who've crossed the seven-figure mark and are willing to share exactly how they did it. First up: Chelsea and Peter Moran, two clinical pharmacists who did not have a surgical subspecialty income, did have student loan debt, did have a kid to plan for, and still managed to build a seven-figure net worth years ahead of the national average. In this episode, Kristin sits down with Chelsea and Peter to unpack their entire wealth-building journey: the offhand piece of advice during residency that first got them thinking seriously about their finances, the systems and habits that took them from "just saving for a house" to full-blown early retirement planning, and the exact age they crossed the millionaire mark. They also get honest about the money moves they'd do differently if they could go back — including one tax filing mistake tied to student loan payments that Chelsea still winces about. Inside, you'll hear: What first got this pharmacist couple thinking beyond "just max out your 401k" The exact age they crossed seven figures — and how that compares to national millionaire data How long it actually took from their first intentional money move to hitting millionaire status Why automation became one of their biggest wealth-building tools How having a child changed (and motivated) their financial planning The personal finance books that shaped how each of them thinks about money A costly tax filing mistake tied to student loan repayment that cost them big — and what they'd do differently Their honest take on balancing a house down payment with investing What their current early retirement timeline actually looks like If you've ever felt like becoming a millionaire in medicine is only possible for high-earning specialists, this episode is proof that it's not about your paycheck — it's about the plan. This is a real, unfiltered look at how two everyday clinicians built extraordinary wealth, and it might just change how you think about your own numbers. Ready for a real plan for your income, debt, and investing? Apply to join the MiM Coaching Program here: https://www.millionairesinmedicine.com/coach Resources / links Apply to join the MiM Coaching Program: https://www.millionairesinmedicine.com/coach The PA Millionaire Path: https://www.millionairesinmedicine.com/pabook Disclaimer The Millionaires in Medicine Show is for educational and informational purposes only. The content shared is not intended as medical, legal, financial, or investment advice and should not be relied upon as such.

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  Episode #28

  The 20% Rule: How Much House You Can Actually Afford in 2026

  Aug 11, 202621 minS1

  The PA Millionaire Path is out! Buying a home is one of the biggest money decisions you'll ever make, but it's only one piece of the puzzle. If you're earning a great income but aren't sure your overall financial plan is actually working for you, this book is your roadmap for turning your income into real wealth. Buy it here: https://www.millionairesinmedicine.com/pabook In this solo episode, Kristin breaks down the real math behind home buying for medical professionals in 2026... why mortgage rates sitting in the mid-to-high 6% range have stalled affordability, why the lender's "you qualify for this much" number is often the fastest way to wreck your finances, and the simple rule of thumb that keeps your housing expense in check no matter what you earn. Kristin walks through how to calculate what house you can actually afford using your gross income, when a 0%-down physician/medical professional loan makes sense (and when it becomes a trap), the real opportunity cost of a large down payment early in your career, and how a modest starter home can realistically set you up for your dream house down the line. Inside, you'll hear: The 20% rule: why your total housing expense (principal, interest, taxes, insurance) should never exceed 20% of gross monthly income How to use a free mortgage calculator to determine your ideal purchase price without ever talking to a lender Why 20% down avoids PMI — and why that "rule" doesn't apply the same way to medical professional loans How physician/medical professional loans allow 0-5% down and higher debt-to-income approval, even with $500,000 in student loan debt The real risk of these loan products: how a new grad can end up "house poor" in a $700,000 home Why putting $300,000 down at age 30 instead of investing it could cost you $4.4 million and up to 10 extra working years A real example of a $250,000 starter home appreciating to $407,000 over 10 years — and how that builds your next down payment Regional home price differences (Midwest median around $350,000 vs. Hawaii's $800,000+ median) Why housing decisions made in isolation — instead of tied to your financial independence goals — are often what keeps people working years longer than they need to If you're a medical professional trying to figure out when to buy, how much house you can really afford, and how to avoid the single biggest mistake that could cost you a decade of extra work, this episode lays out the numbers and the framework to get it right. Ready for a real plan for your income, debt, and investing? Apply to join the MiM Coaching Program here: https://www.millionairesinmedicine.com/coach Resources / links Free home-buying checklist: https://www.millionairesinmedicine.com/buyahouse Apply to join the MiM Coaching Program: https://www.millionairesinmedicine.com/coach The PA Millionaire Path: https://www.millionairesinmedicine.com/pabook Disclaimer The Millionaires in Medicine Show is for educational and informational purposes only. The content shared is not intended as medical, legal, financial, or investment advice and should not be relied upon as such.

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  Episode #27

  The $100,000 Contract Mistake: Non-Competes, Tail Coverage & Termination Clauses Explained

  Aug 4, 202648 minS1

  The PA Millionaire Path is out! If you've ever signed a contract without fully understanding it — and wondered later what you might have left on the table — this book is your roadmap for turning your income into real, protected wealth. Buy it here: https://www.millionairesinmedicine.com/pabook "This is just a standard contract, everyone gets the same one." If you've heard that line before signing your employment agreement, this episode is for you. In this session, Kristin sits down with Kyle Claussen, JD, healthcare attorney and CEO of Resolve, to break down exactly what PAs, NPs, and physicians need to look for before signing (or renegotiating) heir employment contract. Kyle has spent 15 years reviewing thousands of healthcare employment contracts, and in this episode he walks through the details most medical professionals miss: non-compete enforceability by state, termination clauses that can quietly lock you in for years, tail malpractice coverage, productivity-based compensation, signing bonus clawbacks, and why "verbal promises" from an interview almost never make it into the actual contract. Inside, you'll hear: Why no two employment contracts are actually "standard" — even within the same organization How non-compete enforceability works state by state, and why the 2024 FTC ban attempt didn't change much The difference between a non-compete measured "as the crow flies" vs. driving distance (and why it matters) Why a 3-year contract term can legally prevent you from leaving your job, even for a spouse's relocation What breach of contract can actually cost you — including real client examples of six-figure lawsuits Why tail malpractice coverage is one of the most overlooked (and expensive) contract details How productivity bonus structures, signing bonuses, and clawback clauses commonly get misused Real client examples, including one professional underpaid by six figures over 10 years due to below-market wRVU rates When in your job search process you should actually bring in a healthcare contract attorney If you've ever wondered whether your contract is actually "fine," or you're preparing for your first job offer, letter of intent, or renegotiation, this episode will change how you read every future contract you're handed. Ready for a real plan for your income, debt, and investing? Apply to join the MiM Coaching Program here: https://www.millionairesinmedicine.com/coach Resources / links Resolve (contract review for medical professionals) Use code MIM15 for 15% off Resolve services Apply to join the MiM Coaching Program: https://www.millionairesinmedicine.com/coach The PA Millionaire Path: https://www.millionairesinmedicine.com/pabook Disclaimer The Millionaires in Medicine Show is for educational and informational purposes only. The content shared is not intended as medical, legal, financial, or investment advice and should not be relied upon as such.

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