Old IBR, New IBR, PAYE, REPAYE, RAP, it may seem like a fruit salad of letters. In reality, these are just some of the payment plans doctors have used on their quest to PSLF. It can be confusing, especially in recent years, to understand what plan is best for you. Listen in as Nate Reineke breaks down the history of PSLF, the chaos and uncertainty in recent years, and where the program stands now. We also discuss recent changes that have just passed in the One Big Beautiful Bill Act. Be sure to listen to the end to hear what physicians can do right now to make meaningful progress toward loan forgiveness. Are you ready to turn worries about taxes and investing into all the money you need for college and retirement? It’s time to make a plan and get on track. To find out if we’re a match visit physicianfamily.com and click get started or, you can ask a question of your own by emailing podcast@physicianfamily.com. See marketing disclosures at physicianfamily.com/disclosures

There are a thousand opinions out there on how to raise kids, but the one thing everyone can agree on is that raising kids is expensive. Luckily, there’s a way that doctors like you can save on taxes and use pretax dollars to pay for childcare. Nate Reineke breaks down how a dependent care FSA can be used to pay for daycare or nannies and how it helps physicians get an easy tax break. We also answered your colleagues’ questions. A Pediatrician in California says, I inherited an IRA from my mom. I plan to work for the next 10 years, and the IRA is subject to the 10-year rule. I am switching jobs to a higher-paying job in 2026. Should I withdraw now or wait? A business owning spouse of a Dermatologist in Virginia opened a group 401 (k) plan with a non-spouse employee who never became eligible for the plan. They want to know if they can close the group plan and roll the funds into a Solo 401 (k). A cardiologist in Oregon says that his wife has an inactive 401 (k) that is changing custodians and is in a blackout period. He wants to know what that means. An Addiction Medication Specialist in Oregon says, according to my plan, I am on track for retirement, and I may decrease my working hours soon. Should I open a cash balance account? Are you ready to turn worries about taxes and investing into all the money you need for college and retirement? It’s time to make a plan and get on track. To find out if we’re a match visit physicianfamily.com and click get started or, you can ask a question of your own by emailing podcast@physicianfamily.com. See marketing disclosures at physicianfamily.com/disclosures

Before Amazon was Amazon, some people took a huge risk and bought stock in the company. Luckily, that risk paid off for them! Now, history is repeating itself with some AI stocks where they could be the next Amazon, or they could completely fail. So, how should physicians who want to invest in AI take an appropriate level of risk? Nate Renieke and Kyle Hoelzle answer exactly that and break down how you can make riskier investments and still be on track for retirement. We discuss how investing “extra” money allows doctors to invest in the “hot” new things, if they want to, while still saving enough to retire without regrets. We also answer your colleagues’ questions. A Family Medicine doctor in Oregon says, My wife is retiring soon at 50, and she is wondering if it makes sense to do Roth conversions in her 401(k) plan? A Dermatologist in Texas asks, I have accumulated several million dollars, and according to your plan, I could retire today. My portfolio is made up mostly of stocks, but is it a good idea to adjust it so I own more bonds? An Emergency Med Doc in North Carolina was told by their CPA to not be in a solo 401(k) and instead be in a SEP IRA. They want to know what we think of that advice. Are you ready to turn worries about taxes and investing into all the money you need for college and retirement? It’s time to make a plan and get on track. To find out if we’re a match, visit physicianfamily.com and click get started or, you can ask a question of your own by emailing podcast@physicianfamily.com. See marketing disclosures at physicianfamily.com/disclosures