Pharmacists and real estate investors Nate Hedrick and David Bright explore today’s shifting housing market and ask: Is real estate investing less volatile than the stock market?

Episode Summary

In this episode, pharmacists and real estate investors Nate Hedrick and David Bright break down what they’re seeing in today’s real estate market, from inconsistent pricing strategies to shifting buyer and seller behavior, and explore the bigger question: Is real estate investing less volatile than the stock market?

They reflect on how current trends compare to recent years and what that means for investors looking to buy, flip, or hold in 2025.

Whether you’re new to real estate or reassessing your strategy in an unpredictable market, this episode offers timely insights to help you invest with more confidence.

Mentioned on the Show

• Lessons from the Red: Navigating Big Market Dips
• Median Sales Price of Houses Sold for the United States
• Has Real Estate or the Stock Market Performed Better Historically?
• S&P 500 Average Returns and Historical Performance

Wondering whether to contribute to a Roth or Traditional retirement account? Tim Ulbrich and Tim Baker break down key factors like tax brackets, Roth 401(k) access, and long-term planning tips to help you decide.

Episode Summary

One of the most common questions we get is: Should I contribute to a Roth or Traditional retirement account?

In this episode, YFP Co-Founder & CEO, Tim Ulbrich, PharmD, and YFP Co-Founder & COO, Tim Baker, CFP®, RLP®, RICP®, break down the key factors to consider when deciding between Roth and Traditional contributions, including:

✅ Your current and projected future tax bracket

✅ How much you’ve already saved in each account type

✅ Roth 401(k) availability through your employer

✅ State income tax implications

✅ Whether you have the cash flexibility to consider Roth conversions

✅ How the Roth IRA’s freedom from required minimum distributions (RMDs) can be a valuable planning tool

If you’ve ever found yourself wondering which retirement bucket to prioritize, or if you’re simply trying to be more tax-savvy with your savings, this episode is for you.

📩 Have a question for a future Ask YFP episode? Submit it here: info@yourfinancialpharmacist.com

Mentioned on the Show

• YFP YouTube Channel
• YFP 405: Navigating Retirement Income: How to Turn Assets into a Paycheck
• Record a Question to be Featured on an Ask YFP Episode
• Email YFP: info@yourfinancialpharmacist.com

Thinking about changing jobs or just got promoted? In this episode, Tim and Tim cover 7 key financial considerations, from negotiating offers to managing benefits, to help you navigate the transition with clarity and confidence.

Episode Summary

If you recently changed jobs or just landed a promotion, congratulations! A new opportunity, whether internal or external, often brings exciting possibilities…and important financial decisions.

In this episode, 7 Key Financial Considerations During a Job Transition, YFP Co-Founder & CEO, Tim Ulbrich, PharmD is joined by YFP Co-Founder & COO, Tim Baker, CFP®, RLP®, RICP® to walk you through the most important financial areas to think about when navigating a job change or stepping into a new role.

They cover how to:

✅ Evaluate and negotiate a new offer
✅ Understand your updated benefits package
✅ Make a plan for your old 401(k)
✅ Align your new compensation with your financial goals
...and more.

Whether you’re in the early stages of a transition or already in your new role, this episode is your financial checklist to move forward with clarity and confidence.

Mentioned on the Show

• YFP 384: Beyond Salary: Negotiating Your Value in the Workplace
• Never Split the Difference by Chris Voss
• YFP 328: How to Navigate Open Enrollment & Employer Benefits
• YFP Episode 408: What Should You Do With an Old 401(k)
• YFP Episode 404: 5 Key Questions to Ask When Hiring a Financial Planner