Most clinicians are “investing” with no idea what number they’re actually trying to hit.

In this solo episode, Kristin walks through the simplest way to calculate your financial independence number using inflation, a retirement income target, and the classic 4% rule—so you stop guessing and start building a plan that actually works.

Inside, you’ll hear:

• What financial independence really means (it’s not a vibe, it’s math)
• Why ignoring inflation is the mistake that quietly wrecks retirement plans
• A simple example that lands at a $5.5M target number (and how it’s calculated)
• Why “replace expenses” can backfire for both high spenders and new grads
• The hidden costs people forget to plan for (healthcare + long-term care)
• Why investing fees matter more than most people realize when you run the math

Not knowing your number isn’t neutral. It’s how people end up years behind without realizing it.

Links & Resources

Download our Financial Freedom Guide and learn how to turn a six-figure salary into real net worth (without working more).

Apply to our coaching program so our team can evaluate your current plan, estimate your gap, and outline what coaching would look like for your situation.

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.

If you’re a PA who’s curious about non-clinical income (or you’ve wondered if there’s a real path out of full-time clinical work) this episode is your starting point.

Kristin sits down with Susan Ferrero, a PA with 20 years of experience who built a full-time career in medical-legal consulting through expert witness work and behind-the-scenes case review for attorneys. She also sits on the board for the American Association of PAs in Legal Medicine.

Inside, you’ll hear:

• What expert witness work actually is (and what attorneys hire you to do)
• The difference between testifying as an expert vs behind-the-scenes medical record review
• Realistic hourly rate ranges for PAs and what affects pricing
• Whether you need to be practicing clinically to qualify (and why it varies)
• How attorneys find experts (directories vs LinkedIn vs cold outreach)
• How to market yourself without sounding “salesy” (and why your CV + LinkedIn matter)
• Other medical-legal lanes beyond malpractice (personal injury, criminal defense, fact witness)

If you want a plan for building non-clinical income without guessing, coaching is your next best step. We’ll help you map a strategy that fits your goals, your timeline, and your current clinical reality. Book a call with the Millionaires in Medicine Team here: [COACHING LINK]

Links & Resources

📌 Book a call with the MiM Team: https://www.millionairesinmedicine.com/coach

Susan’s website: medlawpa.com

Susan on LinkedIn: https://www.linkedin.com/in/susan-ferrero-pa-c-66100b19/

Organizations / directories mentioned:

Expert Institute directory: https://www.expertinstitute.com/resources/expert-witness-directory/

APALM: https://www.apalm.net/

Guest Bio

Susan Ferrero is a physician assistant with 20 years of experience across multiple specialties, including emergency medicine, orthopedics, and urgent care. She left clinical practice two years ago to found Ferrero Medical Consulting, a firm that specializes in interpreting healthcare records for legal professionals and clarifying the medical aspects of their cases. She currently works full-time as a medical-legal consultant and is passionate about mentoring other PAs interested in this type of work.

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.

If you’re on an income-driven repayment plan and you’re not 100% sure what path you’re on, you could be walking into a six-figure mistake.

Kristin sits down with Kaitlin Hile (PharmD, BCCP) to answer the student loan questions clinicians keep asking—what’s happening with SAVE, how RAP works, how recertifying income changes your payment, and how people accidentally end up in taxable loan forgiveness with a massive tax bill.

Inside, you’ll hear:

• What’s actually replacing SAVE and what to expect with RAP
• The recertification detail most people miss (tax return vs pay stub)
• How pre-tax moves can lower your payment (when you recertify the right way)
• The PSLF eligibility check that prevents “false confidence”
• The difference between PSLF vs taxable forgiveness, and why the tax bill shocks people
• Whether PSLF still looks safe—and the real risk most borrowers ignore

If you’re not 100% clear on your repayment path and your total cost, don’t guess.

Book a call with the Millionaires in Medicine Team and we’ll map your student loan strategy, confirm your PSLF eligibility (if relevant), and make sure you’re not set up for an ugly surprise later

Links & Resources

1. Book a coaching call
2. PSLF Employer Search Tool (Federal Student Aid)

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.