#212 High Income Is Not the Same as Wealth: What Physician Owners Must Decide Before Their Next Dollar Arrives

Resources 

• MoneyFitMD: moneyfitmd.com 
• natrevmd.com 

Dr. Latifat never learned anything about money in medical school, and by her own account avoided it entirely until fear of ending up like her burned-out attendings forced her to face it. She paid off $200,000 in student loans in about two and a half years without extra shifts, then built MoneyFitMD to help other women physicians do the same. 

Why physicians pay themselves last 

Most physician owners don't set out to skip their own paycheck. Dr. Latifat points to a scarcity mindset, a fear that there's never going to be enough, no matter what the actual numbers say. Physicians usually aren't motivated by money itself, they're motivated by security, time with family, and not worrying about the future. The work is connecting those things to an actual plan. 

The story that changes the stakes 

Dr. Latifat shares the story of a physician forced to close her practice for health reasons. Because she'd focused all her energy on the business and never built personal wealth outside of it, closing the practice meant she had nothing to fall back on. Her point: your business is not your wealth, it's a separate entity, and your business should be funding your personal wealth, not standing in for it. 

It's 20 percent math, 80 percent psychology 

Dr. Latifat's take: physicians are good at the math, they run successful practices and understand billing. What trips them up is behavior. She's writing her third book on exactly this problem. 

The CEO Money Hour 

One hour a week, same time every week if possible (hers is Fridays), spent entirely on personal finance, not business finance. It solves two problems at once: not having time, and not knowing what to do with the time you have. Dr. Latifat has clients who've built physical rituals around it, a dedicated space, even a specific mug, because the habit is as much psychological as it is financial. 

Two paths 

For physicians who avoid money entirely and want a simple foundation, MoneyFitMD offers a 16-week foundational program covering debt, spending, and the financial basics. For physicians whose finances are stable but who want their wealth and their life to actually line up, there's Wealth Village, an ongoing community built around a broad definition of wealth: money, assets, time, relationships, and play. 

This week, try this 

• Block one hour this week, same time if you can manage it, and spend it only on personal finance. No business numbers allowed. 
• Ask yourself the question the episode keeps coming back to: if your practice closed tomorrow, what would you personally have? 
• Grab Dr. Latifat's CEO Money Hour download to structure that first session instead of starting from a blank page. 

Episode breakdown 

• How a GI doctor becomes a money coach 
• COVID and founding MoneyFitMD 
• Why physicians pay themselves last 
• Business success versus personal wealth 
• It's 20 percent math, 80 percent psychology 
• The CEO Money Hour 
• Two paths: the foundational program and Wealth Village 

Transcript

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SPEAKER_01 0:04

Welcome to I am so excited to talk about money. There's many of us who get excited about money, there's many of us who get nervous about money. With Dr. Latifa, we have got a great podcast in store where all of that worry is going to be gone. If you are one of those folks who are thinking to yourself, I just haven't quite figured out how to manage the money from my practice into my personal life. Today we're going to talk about all tips from an expert who helps uh hundreds of individuals. Welcome to NatRevMD, a podcast where we share tips on optimizing medical billing and improving practice efficiency so you can have the business of your dreams. I'm your host, Dr. Heather Signorelli, founder of Nat RevMD. Let's get started. So, with that, welcome to the show. I'm glad you're here.

SPEAKER_00 0:49

Thank you for having me. I'm super excited to talk money with you and your audience. So let's go. All right.

SPEAKER_01 0:56

I'd love to hear just like how did you get into this? You're a physician, a GI doc, and now you're doing money. How did you, how did you land here?

SPEAKER_00 1:04

You know, never in my wildest dreams did I think that I would be a person to talk about money. And not because I did not like talking, because you know, I'm a human, I talk, but really because money was not a strong area for me at all. You know, for me, I went to we're just talking earlier about undergrad, med school, residency fellowship. And throughout all of my medical education, I actually learned nothing about money. The only thing that I knew was I had student loans and I had credit cards. Those were the things. And the reason why I had credit card was because all my financial education came down to my uncle, who was really, really kind, who said there's this thing called credit card. You just use it and you just pay a little at a time. And I was like, wow, it's like magic, amazing, right? And so that was my education around money. And, you know, I had responsibilities in med school, in residency. My younger sister lived with me when I was in New York for residency. And so we're surviving on my intern year income in New York City and all of that. So money was tight, but still, I just knew that if I became an attendant, all of my money problems would go away. And so I you're like you're laughing at that higher wish. That's all that's what we all thought, right? We were told, don't worry about it, just be an attendant, and you it'll take care of itself, right? Your job will be there, your job will be secure, the income will be guaranteed, and you just live life happily ever after. Except I got to the end of fellowship, and I'm so, so grateful for this because when I was a fellow, so GI three-year fellowship, I at that point I had two kids. My first kid was in residency, second kid in fellowship, and then the third one as an attendant. And I remember this moment where I saw my attendant who are like this smart, brilliant, capable humans, and there was a slump that I was noticing on their shoulders. And where it was like, you know, feet dragging, shoulders, almost like, you know, tired. There was a lot of, well, we don't have a choice. This is how it works. You guys don't understand, that's not how it works in the real world. And it just felt like they were defeated. And so here I was, someone that had gone through all these years of training, had two kids, looking at my future, which my attendings were examples of what my future looked like. And it looked like my future was going to feel defeated. And that's what burnout looked like for many attendants. And so I had a moment where I was like, okay, there was a lot that I sacrificed to be where I was. My family had sacrificed. I did not see my mother for five years because she wanted me to be a doctor and thought that was what she needed to do, you know, with her living in a different country for me to be able to accomplish my dreams. And so I'm like, this, all of this sacrifice is not so that I can be defeated in future and hit my life and not have a choice with my life. And that was the other thing because, you know, I had kids and for most of their birth to like the first couple of years, I just was apologizing for choices that I thought I did not have. It's like, well, I'm sorry you have to start daycare at like, you know, six weeks old. I'm sorry I cannot hang out with you. I'm on call. I would like to breastfeed you for longer, but have to go respond to this page. Like, so I was just like, I did not want a life of continued apology. Like, if I want to take call, I want to own it. If I like, I want to own it. And so for someone that did not know anything about money or liked talking about money, I just avoided money. I realized that money was gonna be the solution to that problem. That if I could just give myself the freedom and the ability to walk, I will probably be able to live a life that I want. And so that's how money came into the conversation. So I started learning from myself, you know, what do I owe again? How much debt do I have? How do I, what's a budget? I hate budgeting. I just wanted to avoid money at all costs. I tried memorizing the lingos like 401k, 403B, it never stuck. And so here was someone that was very brilliant, like all of your audience, well-trained, smart, new every no pathway. And I cannot remember the terminologies of investment. So I was like, but my fear about the future, though, my fear about being defeated, my fear about hating my life, my fear about regretting being a doctor was the only thing that was big enough to make me go, I now have to face my fear. And that's where I started when it comes to money. And the thing is this, when I started, I was like, this thing actually is not even that hard. And I was looking at it the wrong way. I was trying to memorize it, I was waiting for the perfect time. I was trying to make it feel like fit into the traditional, financial, sterile, dude-looking, no energetic, like bland way that money is meant to look. And I'm like, the problem was not me. The problem was it just was never explained in a way that fit my mind and my brain. And what I realized was progress started to happen. I was like, okay, this student loans, how am I gonna pay it off? Paid off 200k in like two and a half years without working extra shifts, still taking vacation with my family. And then network started growing. I started feeling more at ease. And I'm like, this stuff is not even hard. We just have so much brain drama around it. And so that's when I started helping my friends because I did not want to have a business. I just wanted to be a great doctor, a great mom. And then my friends started having results. They were paying out their debt. I had primary care doctors that were like hitting seven-figure net worth. I'm like, this stuff actually works, but I did not want to start a business. And then the pandemic happened. The pandemic happened, and I was doing great. I was not worried about money. But my colleagues that were even earning more than I was were afraid of what would happen to their income because nobody knew what the future held. And that was literally when I kind of rolled my eyes and I was like, I obviously know how to do this. I don't have a choice but to help other people, other women physicians have the kind of freedom that I've been able to figure out so that they can also live life, practice medicine in a way that they choose. And so that really is how Money Fit MD started. And, you know, I'm sure we're gonna talk a little bit more about, you know, we've done a lot, we've helped women inside of our programs, books, conferences, and all of those other things that I'm really, really grateful we get to do.

SPEAKER_01 7:35

Yeah. And it's funny how COVID was such a defining moment, both within my day job and just the need to get COVID testing, right? As a pathologist, it was like COVID testing was what we all talked about. And at the time, you know, we were trying to get COVID testing to 186 hospitals. It was absolutely crazy. And then we started our RCM firm similar to, you know, right after COVID and 22. So I think this just immense desire, I think, came across, I think, in multiple people who were like, we've just got to band together and help fix the problems that we're seeing. And it's funny hearing you talk about just the debt and the stress of all of that. I know many of our listeners who I've talked with, who we work with, who we don't work with, they also stress about that. And then that's what makes you not enjoy the life you do have. I, you know, my father passed away at a young age. And so you always think to yourself, I'll get to that when. I'll get to that milestone when I'm done working, or I'll enjoy travel when the kids are older, or I'll enjoy, you know, fill in the blank when and then fill in another blank. And it's so crazy to me, this whole idea of delay, because at the end of the day, heck, we, you know, we're only given the moment that we're living in at the moment. And so it's really inspiring to me to have watched your business grow and flourish and help people solve that problem now so that you're not in this constant, well, I'll do that when. And instead of I'll do that when, it's like, okay, we're gonna attack that today so that today becomes our when, if that makes sense. So, you know, no, it makes a lot of sense.

SPEAKER_00 9:17

And I I thank you for acknowledging that. And I will say that, and that's the point, is you can have a business and have life, right? A couple of years ago, we didn't talk about this earlier, but I decided to quit my W2 a couple of years ago. And my family and I, my kids, three kids, my husband, we left the country for a year and traveled around the world to 20 countries and life changing, right? And so, and I think that's what we're talking about here, which is it doesn't have to be business or your life. It can be both, right? And I remember the study that I read a couple of years ago that really stuck with me. And I wish I remember who wrote the article or the study, and it was talking about how it's not just about creating memories. Part of the ROI is how long you get to enjoy those memories for. So, what you do if you're let's assume you have long life and you now decide at the age of 75. Number one, you can't hike, it's harder to hike mountains at the age of 75. So let's assume that you decide to do it at the age of 75. There's a huge difference between doing it at age 75 versus doing it at the age of 45. You could have had 30 years to enjoy the memories that came from. So all of this is about we don't know what life has in store, but it's also about getting the making the most out of the experiences you can have from life. And yes, we can build that successful practice and business and all of that, and even be employed and have a great life that is purposeful, that is enjoyable and impactful at the same time. So it's all of it, not one or the other, in my opinion.

SPEAKER_01 11:02

And I wish we talked more about this, and maybe people did, and I just wasn't listening, you know, 10, 15 years ago, because I just don't I I I wish I had known what I know now, 15 years ago, when going through, you know, residency and fellowship and babies and so forth. But I'm so blessed to have that mindset now. And, you know, when I talk to practices that we that we have as clients or or that own their own practice, they're dealing with, you know, the medical billing woes. A common theme that I'd love to talk through is that they pay themselves last. Everybody else is first, the staff, the the marketing, whatever it is in their business, they they do all of that and they are the last ones that get paid. Maybe they get paid a lower salary than they should. Maybe they have months where they skip, you know, a salary. How do you help physicians and practices, whether they're the physician owner or maybe you're a manager or CEO, how do you help practices financially get to the point where the physicians have the ability to give them the salary that they deserve?

SPEAKER_00 12:10

That's such a great point. And I would say that most of them don't actually want that. Most of them, I mean, for those of you guys that are listening, right? It's not your, you didn't wake up one day and say, I'm gonna start a practice where I don't pay myself.

SPEAKER_01 12:25

Yeah.

SPEAKER_00 12:25

But the reason why many physicians don't is because of fear, right? There is that fear of never enough. It will never be enough. So it really doesn't matter how much cash they have, the thought of decreasing that amount of cash just makes them feel like whatever is left is never gonna be enough, regardless of the number. And that's where things like the scarcity way of thinking versus the abundance way of thinking can really impact how we practice. And, you know, I will tell you that a lot of physicians that I work with, they're not necessarily motivated by money either, right? They're not motivated by money. They want their business to be successful, but they're not motivated by money. So part of exactly security matters to them. Not worrying about money in future matters to them. Being able to enjoy their time with family matters to them. So the the key is we have to find, and they have to find a way to connect what they really want with what they should be doing. And what it's it's funny because before this call, I was literally working on a substack article on the 10 things that money actually gives you.

SPEAKER_01 13:34

Yeah.

SPEAKER_00 13:35

Okay. And we don't think about what money gives us intentionally enough for us to find a solution. So we need to connect what we want with what money actually does for us. And what I'm saying does for you, I'm not talking about your business. I'm talking about you as a human being, right? Because your business is separate from you. It's not, the connection is not how well your business does. It's how well your personal finance does. So when you don't make that connection, it doesn't matter how successful your business is on paper. You're always gonna feel lack because you're not answering the right question. It's your personal finance and the things you want. Connect them together, and your business is the source for your personal finance. So most people don't think about their personal finances, and that's why there is trouble.

SPEAKER_01 14:29

It's interesting, you know, the other thing that I'm seeing from, you know, colleagues is that they aren't making that connection. They're not connecting the personal side, it's all muddied together in terms of the business side and the and the personal side. And maybe they're not, you know, kind of really outlining and sitting together and thinking through what it is that they truly want from their time and, you know, how they want to spend that. And speaking of time, you know, how do you help practices really tie together those themes so that they can take off a week without the business completely crashing or revenue dropping or missing a rent payment, you know? Is that something that you you guys talk about? Absolutely.

SPEAKER_00 15:13

And I'm smiling because this is literally what we I would say about half of the women that I serve inside of our wealth village are practice owners. And guys, by the way, I just want to normalize this that you are normal. Yeah, there's nothing wrong with you. What we're talking about here is like the analogy between a woman that has two kids, one of them is satanic, and the other one is breastfeeding. For many people, your business is like that breastfeeding baby that will make you forget everything else that exists in the world except it, right? And so it is completely normal that you're focusing on the baby that's on your breast because that's what you get pinged about 80 hours a week. You're sleeping, you're thinking about your business, you're thinking about like that thing. So there is something that I teach that honestly has changed the game for so many. And it has to be in the context of your people understanding that the problem is usually not math. It's behavior, it's psychology when it comes to money, it's habits when it comes to money because they run successful practices, they're talking to you about billing, they get math, but it's the behavior. And I am okay, I'm literally working on a book. This is gonna be my third book that solves this problem because it is such a huge problem for physicians. And it's the I don't have time to do this. I don't have time to do my numbers, I don't have time to look at the numbers. And when people actually end up having the time, they don't know what to do. So there's this thing that I teach women physicians that's called the CEO money hour. And when I talk about it, it's literally game-changing because first it changed my life as a busy mom with three kids. That was pretty much full-time GI business. I was running my business while working W2 at first. Real estate, married, I got six siblings that love to talk to me. I have a mom, I love spending time in my hammock. Like, there are things that are pulling me in like five billion directions. And it's easy for us to say, I got nine and nine problems, but my personal finance ain't one. Right? But the whole idea behind this, and it's designed for busy physicians because my audience are busy women physicians. And the whole idea behind it is spending one hour a week on your personal with a P finance. The reason why I say personal finance is when people have people that have businesses have any time, they want to spend it on the breastfeeding baby. The breastfeeding baby is not your insurance. Your business is not your insurance, your personal finance is your insurance. I'll share a story of a physician that I know who, like many of your people, had a practice and it was taking all of our time. You know, your practice is a construction zone, right? There's always something we get paid as business owners for solving problems. There's always a problem, which means that it will take all your attention if you let it. And for her, when she had to close her practice was because she had health-related issues. And so her practice was number one, not positioned to sell. But because she focused all of her energy on her practice and not on the P-word, it meant that when she had to close her practice, she did not have wealth already built in her personal finance. And that's why this is so important and urgent for physicians to fix this problem because your business should supply your wealth building. Your business is not your wealth, it's a separate entity on its own. And so the whole idea about the CEO Money Hour is literally that one hour a week that is blocked out, ideally, if possible, the same hour every week. Mine is on Fridays. And the goal of it is to sit down. And there's something that I'm happy to share a link with you that your people can go get access to the downloadable thing where they can get started on this, which is number one, is I don't have time. The CEO money hour solves that. And then the second problem is, well, when I do have time, I don't know what to do. And when you don't know what to do, guess what happens? The best fitting baby comes back into your mind. And now you're like doing business finance instead of personal finance. So at the end of the day, you're not focusing on only one thing. So the CEO money hour has been a game changer. There are certain things that I that I recommend to make it more exciting for people. And I've had clients that have found a corner in their backyard where it's like the money corner. I've had, you know, clients buy mugs like the money mug, where just it's a lot of this is psychology, right? And so physicians focus on the math, on the numbers, and we wonder why it's not working. It's not working because we're focusing on just the 20%, but psychology is the 80%. So if your audience can commit to one hour a week, if you need to do like intermittent fasting that day so that you skip lunch and you're working on your personal finance, one hour, it has changed my life. You can do it alone, you can do it with your partner. I have clients that that tell me that it's literally changed how they relate with money with their spouse. One hour of the CO money hour week can be a game changer. And so for that physician, that's like my business always busy. This is the solution. Learn it, implement it. And six months from now, you may be sending me a message and going latified. I did not know one hour could make a difference like this, because it will.

SPEAKER_01 20:40

I love that framework and I like easy frameworks that are time limited that allow busy folks to be able to do it. So I will add that to a link to the show notes. And what I'm hearing you say is once you get your head straight around what it is you want and need and what it is that truly makes you happy, then it's about spending the time looking at the right metrics at the right time consistently so that then you can get your plan in order so that you're prepared for the future. And then that scary anxiety of like, I don't know where I'm going to be, I don't know where I'm going, that starts to fade away because you've now got this plan and you're you're organized and you're scheduling it and adding it to the spreadsheet. Or, you know, these days, I think if you have the right guidance plus a little AI tool, it makes it like you don't have to be a spreadsheet wizard.

SPEAKER_00 21:31

Like you can have to like spreadsheets FYI.

SPEAKER_01 21:34

Oh, that I don't understand that.

SPEAKER_00 21:35

I'm just kidding. I know, I know. I should have, I should have had like a trigger alert. I don't understand. And and that's the thing too, because when I started doing my finances, everyone was like, if you don't love math, you're gonna die. Literally. If you don't love spreadsheets, how can you survive in this world? And I'm like, this is not how my brain works. So yeah, I use spreadsheets as a tool. It's like 80% or 90%. Everything, and then the 10% becomes a spreadsheet to look at the numbers to help me accomplish what I want to accomplish. So it's it's not, this is not rocket science. This is not like all you need is maybe fourth grade level of algebra in order to be able to win at your personal finance. So and the CEO money hour talks about numbers, and you know, there's an acronym that I teach in there. And one of the things too is like the conversations that needs to happen, right? All that can happen in the CEO Money Hour, where for you maybe a conversation with your CPA, maybe the emails you've been holding on to, the IRS paperwork you need to send out, the conversation. If you have a you know financial advice or some people choose to have those, like these one hour, I'm telling you, Heather, like game changer. There's so many.

SPEAKER_01 22:47

I think that ties back to once you start getting all of that in in order, then your business isn't this chaotic situation where you have to have this unknown amount of money. It all becomes this very known and planned event that then the business helps support versus the other way around where the business is what's the saying with the wagging the tail, the dog wagging the tail or the tail wagging the dog. Absolutely, absolutely.

SPEAKER_00 23:12

And you become kinder to your business because now during that CO money hour, you're not just, it's not just about like, oh, what's coming in, what's coming out. It's also about investing, right? So that the money that you're paying yourself can now be positioned to grow, right? It's looking at your net worth, my assets, minus my liabilities, so that now you're not looking at the only metric you're looking at is not just how much sales came into my business this week or this month. But now that becomes part of the conversation about, okay, now what's my net worth group? So that's part of the scarcity mindset that I was talking about earlier is the hyper focus on one thing, one number, one source is actually one of the causes of anxiety for people. And the beautiful part about this is once you fix your personal finance, your business actually thrives better because now you're not looking to fix a problem that it was never meant to fix because you were not setting up your personal finance. But also, if you think about one of the fundamental foundations when it comes to money and wealth building, it's diversifying, right? Diversifying. Any money that is coming into your life is meant to be a seed. I'm gonna repeat that. Any money that's coming into your life is meant to be a seed. What do you do with seeds? You plant seeds, right? So when your business is bringing money, cash in, but you're not transferring that into a different form, which is wealth outside of the business, then you're not multiplying your seed. So all you have is like one hoping that this one thing sustains you now and in the future. When if you had just taken that money and planted it, it will be able to feed you even when the business is no longer an entity. Maybe you sold or you closed or whatever it is. So all of this is helping you actually be healthier, wealthier, more at ease, less anxiety, your nervous system relaxes more. And what happens when that happens is your relationships are healthier. Not just your relationship with significant others, but like with yourself. You can play more. When you're traveling, you can actually enjoy your travel as opposed to like traveling and like worrying in a different zip code. So yeah. And take that week off.

SPEAKER_01 25:30

And then they can take that week off and not be stressed about coming back to all of these things that you've not planned for and thought through. And again, spent your CEO hour. I love that. Um so if folks are like, gosh, I need some help organizing my thoughts around this. I've not done this well, or I don't know where to start. Sounds like you have two different sort of tracks where folks can land in. Help me understand those two for folks that, you know, may be looking for something.

SPEAKER_00 25:58

Absolutely. We serve women physicians, and in general, we have two people that come to us. You know, the two people align with actually my own personal journey. So if you're someone where you're like, okay, Latifah, this is great, but I you don't understand. I avoid my money like a plague. I avoid it. It's overwhelming. I don't like to look at it. I just want to, I don't even want to, I don't want anything complex. I just want to have a simple financial foundation. I want to have a simple plan that I'm executing about my debt, about my spending, about my financial household, just the basic. What we have is a 16-week program called 6 to 7. They get education, they get accountability, they get support for six weeks. And then we have 16 weeks, excuse me, their CME for that. And then we have a different group of women that are like Latifa. You know, my finances are actually okay. Of course, I can grow, but I'm finding that I'm, I don't have the kind of life and ease that I want around money and wealth. Right. So these are people that they're practicing, maybe they're even W2, and they're like, Latifah, there's a picture I have about my life, and I need my life to align with my vision. And for those people, we have a community called Wealth Village, which is literally what that is. It's teaching women and helping women become women that know, lead, and grow wealth. And the way that we define wealth is very, very wholesome. It's money, it's asset, it's time, it's relationship, it's fun, it's play, it's vacation. It's the kind of life that I want. And so we have created that for women physicians. And it's one of the, honestly, one of the most life-changing things that we've created. You know, I was just a couple of days ago, I got a message from a woman physician who she, I believe, was got divorced about a year or so ago. And that can obviously have financial consequences, right? So she was going through that, not knowing where to start, not knowing where to go. But she's like, Latifah, I just know that I need help. So she joined the Wealth Village. And a year later, I'm just like blown away by the things that she's doing, not just with her money, but with her life. She is like a speaker, she is a director for like consulting companies, and just doing wild things in 12 months that is unbelievable. So for her, it wasn't just about the money foundation only. It was about the fact that she needed to become a woman that could lead the life and the wealth that she's about to go into. So those are the things that we do. And all they have to do is just go to my website, moneyfeedmd.com. There is a work with me tab on there. They can take a look and see which everyone aligns. And I'm happy to chat with, you know, anyone to see where, how we can best help them.

SPEAKER_01 28:45

And I I just think about, you know, our listeners and thinking about, okay, where you are today, is that where you want to be? And if it's not, you know, thinking through that vision of, okay, where do I want to be and how do I get there? Um, and that's not easy to do necessarily on your own. You can think about it, but it's hard to actually make that happen. Um, I mean, I've used, if we were talking about this earlier, I've used coaches across my really my journey the last five or six years. And I cannot say enough good things about the coaches I've used and being able to have that support. So I'm so excited that you offer this for folks. It's just such a great place for folks to land and be able to craft that vision and then be able to realize exactly the life that they want to live. So I'm excited to share that resource with everybody. So thank you. I'm so glad you were able to come on and we were able to talk about this. And hopefully, for the listeners, you guys have found helpful tips. Again, CEO Outer Hour, I think is the most brilliant thing I've heard in a long time. So I think that's perfect. So thank you. Absolutely. Thank you for having me.

SPEAKER_00 29:47

And thank you for the work that you do to help more people have more gross income coming in so that now they have the seed to work with. I mean, one of the biggest pin points for practice owners is what you're fixing. And I think it's important for us to just remember the point of this is the people, and I want to say thank you to you for the work you're doing, because the people you're helping, they're not just like, oh, I just want to have a successful practice, which that's fine. But when you think about the global impact of this work, you're helping physicians thrive. You're helping medicine be viable for more doctors, which impacts our communities in so it I mean, when you think about the day-to-day impact of the work you have and your team are doing, I just want to say thank you for doing the work you join. And it really has been an honor just watching your growth as well, your journey. And I cannot wait to see all the amazing stuff people are going to create with your team in the next 10 years as well.

SPEAKER_01 30:45

Thank you. Well, it's uh good to be alongside awesome physician founders. So I appreciate you coming on today. And for the listeners, we'll have the show notes and links, all the things for you, CEO our and uh MoneyFitMD website. So head on over to those to check them out, and we'll see you on the next episode. Thanks so much, guys.