Poor management meant lost money and extra contributions. For us, the cost of inflexibility outweighed the benefits.

If you value options and financial flexibility—even if it comes with a tax hit—it’s worth questioning if cash balance plans are the right fit for you.

I share my take on this transformative book in my podcast episode on making meaningful choices and avoiding regrets here: www.greeleywealth.com/making-meani...

Dr. Jordan Grumet’s new book, The Purpose Code, captures this journey beautifully. It’s a must-read for anyone looking to chart their path forward and create a sense of purpose.

It can feel uncertain, even scary at times. But I believe in you. You have the strength, the wisdom, and the courage to do it.

Your Rich Life isn’t about what anyone else is doing.

It’s about focusing on what lights you up and making choices that reflect who you are. Let’s make it happen—together

When you hit reset and let go of trying to live up to someone else’s expectations, you make space for what truly matters—creating the life you want, not chasing someone else’s version of success or climbing a ladder that’s leaning against the wrong wall.

Yes, carving your own path is challenging.

Here’s the truth: comparing yourself to others robs you of the joy in your own life.

Their goals aren’t your goals. Their version of “enough” isn’t yours.

Let me remind you of something that’s easy to forget: you are enough. And you have enough.

And in other areas? Be as frugal as you like.

But here’s the challenge: it’s easy to look around at colleagues, friends, or even neighbors and feel like you’re falling short.

They have the bigger house, the newer car, or that one thing you think you should have, too.

If your financial picture feels too tight or uncertain, let’s figure it out together. Life’s too short not to enjoy it—and too long not to plan for it.

I believe in spending lavishly on what makes your life rich—whether that’s travel, time with family, or hobbies that bring you joy.

But here’s the secret—it’s all built on knowing I’ve already hit “enough.”

It’s not about skimping or stressing over every dollar.

It’s about having a plan that lets you spend freely on what matters most while feeling confident about what lies ahead.

It’s not flashy, and it might feel controversial, but starting with the essentials can help bring clarity to your financial and life decisions.

I’m all for living well. I love flying in business class, treating my son to his favorite books, and spoiling my wife with gifts she’d never get herself.

So, what if we tried something different?

What if, instead of pushing fear away, we stopped and got curious about it? What if we asked, “What are you trying to tell me?”

I’m ready to give it a try. I wonder where this will take me.

Brian suggests something surprising: we need to become friends with our fear.

Fear isn’t there to stop us from moving forward. It’s trying to protect us in the only way it knows how.

But instead of listening, we often numb it, hide from it, or try to make it wrong. And honestly—that never works.

The hell no is your fear speaking up, resisting change, and trying to keep you in your comfort zone.

It’s such a simple way to understand the push-and-pull of making meaningful choices. When fear shows up, it doesn’t always mean “stop”—it often means you’re on the verge of something important.

When you front load your savings, it allows you to work part-time or take more vacation.

And your money is still compounding!

This is why WCI and others preach living like a resident for the first few years after you graduate.

Your first decade as an attending matters tremendously for your future wealth building.

This is critical when you only get paid when you are working in the OR.

This slide always blows my mind. 50% of the final value of your portfolio is due to your savings in the first ten years!

Read that again and let it sink in.

My wife and I stashed away every cent we could the first ten years we were married.

And now we have better choices.

Front loading your savings and investing is a HUGE lever!

You get more years to let compounding work its magic.

This is especially important for anesthesiologists.