Dr. Disha highlights how real estate investing aligns with her values and offers a powerful way to build wealth.

She emphasizes the financial benefits of rental properties, including monthly cash flow, leveraging loans for greater returns, and protection against inflation.

Additionally, she breaks down key tax advantages like depreciation and 1031 exchanges, offering strategies for minimizing taxes and maximizing returns.

Dr. Disha also explains the various rental strategies (long-term, short-term, and mid-term) and how they fit different investor goals. She provides actionable tools and metrics, such as cap rates and IRR, to ensure sound investment decisions.

1. Real Estate Offers Cash Flow & Leverage: Rental properties generate monthly cash flow, and you can leverage borrowed money (mortgages) to control a valuable asset with minimal upfront investment.

2. Appreciation & Inflation Protection: Properties appreciate over time, and real estate provides a hedge against inflation by rising in value as the cost of living increases.

3. Tax Benefits Are Key: Investors can take advantage of tax deductions such as depreciation, mortgage interest, and 1031 exchanges, significantly lowering taxable income.

4. Understand Investment Metrics: Tools like the 50% rule, cap rate, and IRR help analyze property value and ensure a sound investment that aligns with financial goals.

—---

If you enjoyed the show, find and follow Dr. Disha everywhere else:

Twitter

Website

Facebook

The Frugal Physician’s Facebook Group

YouTube

-----------

Please note: The content shared on the podcast is for informational purposes only and should not be considered individualized financial advice. It is essential to consult with professionals such as accountants, financial advisors, or attorneys to receive personalized guidance based on your specific needs.

Becky Vogt-Lundeen is a financial expert specializing in helping physicians manage their wealth. Becky shares her personal story of overcoming financial hardship and offers practical advice on managing student loan debt, budgeting during residency, and planning for financial freedom.

The discussion covers the hidden costs of medical school, the impact of financial psychology on decision-making, and strategies to balance saving with enjoying life.

Becky Vogt-Lundeen is a board-certified financial planner with a unique focus on helping physicians and medical professionals achieve financial freedom. She began her career as a college financial representative and later married a physician, which led her to specialize in physician financial planning.

Becky is passionate about reducing student loan debt, building investment portfolios, and helping her clients achieve financial wellness without sacrificing the joy of life.

She has spoken at prestigious events, including the Women in Medicine Summit, and her expertise in the psychology of money offers invaluable insights for professionals navigating their financial journeys. Follow her on Instagram at @marriagemoneymedicine.

—---

If you enjoyed the show, find and follow Dr. Disha everywhere else:

Twitter

Website

Facebook

The Frugal Physician’s Facebook Group

YouTube

-----------

Please note: The content shared on the podcast is for informational purposes only and should not be considered individualized financial advice. It is essential to consult with professionals such as accountants, financial advisors, or attorneys to receive personalized guidance based on your specific needs.

Dr. Disha tackles a recurring question in physician finance groups: “Can I afford this house?” Using a case study of the Smith family, she walks through the key financial ratios—HR1 (housing costs) and HR2 (debt-to-income)—that determine whether a home purchase is financially sustainable. Despite a $300K annual income, the family’s student loan and car payments push their debt-to-income ratio to 42%, beyond the recommended 36%. Dr. Spath advises waiting to buy, paying off existing debts, and boosting savings before stretching for a home that could lead to financial strain.

—---

If you enjoyed the show, find and follow Dr. Disha everywhere else:

Twitter

Website

Facebook

The Frugal Physician’s Facebook Group

YouTube

-----------

Please note: The content shared on the podcast is for informational purposes only and should not be considered individualized financial advice. It is essential to consult with professionals such as accountants, financial advisors, or attorneys to receive personalized guidance based on your specific needs.