As physicians, most of us start out following a traditional path: find a job posting, talk to recruiters, and take whatever positions are available in the places we want to live. But what if we thought differently about our careers? What if we created work arrangements that actually fit our lives, values, and goals?

In this episode of The Grow Your Wealthy Mindset, I share my own story of exploring non-traditional work arrangements — from going part-time, to traveling for work, to negotiating directly with practices rather than relying solely on locum agencies. I’ll take you behind the scenes of what it’s like to create a flexible career, the trade-offs involved, and the lessons I’ve learned along the way.

You’ll hear:

· Why networking and reaching out can open doors to opportunities that don’t show up on job boards.

· The differences between working through a locums agency and contracting directly with a practice.

· What it’s really like to travel for work, and the perks and challenges that come with it.

· Why every physician should have an emergency fund, even in high-demand specialties.

· How multiple streams of income can give you security when your job situation changes unexpectedly.

Whether or not traveling for work appeals to you, this episode will help you expand your perspective on what’s possible in medicine and encourage you to think creatively about designing your own work life.

Please subscribe and leave a review on your favorite Podcasting platform.

Get 12 Financial Mistakes that Keep Physicians from Building Wealth at https://www.growyourwealthymindset.com/12financialmistakes

If you want to start your path to financial freedom, start with the Financial Freedom Workbook. Download your free copy today at https://www.GrowYourWealthyMindset.com/fiworkbook

Dr. Elisa Chiang is a physician and money coach who helps other doctors reach their financial goals by mastering their money mindset through personalized 1:1 coaching .

You can learn more about Elisa at her website or follow her on social media.

Website: https://ww.GrowYourWealthyMindset.com

Instagram https://www.instagram.com/GrowYourWealthyMindset

Facebook https://www.facebook.com/ElisaChiang

https://www.facebook.com/GrowYourWealthyMindset

YouTube: https://www.youtube.com/c/WealthyMindsetMD

Linked In: www.linkedin.com/in/ElisaChiang

Disclaimer: The content provided in the Grow Your Wealthy Mind...

In this episode of The Grow Your Wealthy Mindset, we dive into donor-advised funds (DAFs)—a powerful but often overlooked tool for charitable giving.

You’ll learn:

• What a donor-advised fund is and how it works
• Why donating appreciated assets (like stock) may be smarter than giving cash
• The benefits and downsides of using a DAF
• How Fidelity, Schwab, and Vanguard’s donor-advised funds compare
• When a DAF might make sense in your own financial or estate planning

Whether you’re already a generous giver or want to maximize the impact of your future donations, this episode will help you understand whether a donor-advised fund belongs in your financial toolkit.

Resources Mentioned:

Fidelity Charitable: https://www.fidelitycharitable.org

DAFgiving360™ (Schwab): https://www.schwabcharitable.org

Vanguard Charitable: https://www.vanguardcharitable.org

Daffy https://daffy.org

Charityvest https://www.charityvest.org/

https://inequality.org/article/top-public-charities-dafs/

Please subscribe and leave a review on your favorite Podcasting platform.

Get 12 Financial Mistakes that Keep Physicians from Building Wealth at https://www.growyourwealthymindset.com/12financialmistakes

If you want to start your path to financial freedom, start with the Financial Freedom Workbook. Download your free copy today at https://www.GrowYourWealthyMindset.com/fiworkbook

Dr. Elisa Chiang is a physician and money coach who helps other doctors reach their financial goals by mastering their money mindset through personalized 1:1 coaching .

You can learn more about Elisa at her website or follow her on social media.

Website: https://ww.GrowYourWealthyMindset.com

Instagram https://www.instagram.com/GrowYourWealthyMindset

Facebook https://www.facebook.com/ElisaChiang

https://www.facebook.com/GrowYourWealthyMindset

YouTube: https://www.youtube.com/c/WealthyMindsetMD

Linked In: www.linkedin.com/in/ElisaChiang

Disclaimer: The content provided in the Grow Your Wealthy Mind...

When it comes to interest rates, not all percentages are created equal. In this episode, we break down the difference between APR (Annual Percentage Rate) and APY (Annual Percentage Yield)—two terms that may sound similar but can drastically affect how much you pay (or earn) over time.

We’ll explore:

• Why lenders advertise APR while banks flaunt APY
• How compounding frequency changes your bottom line
• Real examples from high-yield savings accounts and credit cards
• How daily vs monthly compounding adds up over time
• What’s actually included in APR (hint: it’s more than just the interest)
• Why understanding these terms is key to smarter borrowing and investing

Whether you're saving, borrowing, or just trying to get the most from your money, knowing the true cost or benefit of interest can help you make better financial decisions.

Tune in to learn how a few percentage points—and a little compounding—can make a big difference!

Please subscribe and leave a review on your favorite Podcasting platform.

Get 12 Financial Mistakes that Keep Physicians from Building Wealth at https://www.growyourwealthymindset.com/12financialmistakes

If you want to start your path to financial freedom, start with the Financial Freedom Workbook. Download your free copy today at https://www.GrowYourWealthyMindset.com/fiworkbook

Dr. Elisa Chiang is a physician and money coach who helps other doctors reach their financial goals by mastering their money mindset through personalized 1:1 coaching .

You can learn more about Elisa at her website or follow her on social media.

Website: https://ww.GrowYourWealthyMindset.com

Instagram https://www.instagram.com/GrowYourWealthyMindset

Facebook https://www.facebook.com/ElisaChiang

https://www.facebook.com/GrowYourWealthyMindset

YouTube: https://www.youtube.com/c/WealthyMindsetMD

Linked In: www.linkedin.com/in/ElisaChiang

Disclaimer: The content provided in the Grow Your Wealthy Mind...

Do you ever feel like you’re constantly chasing the next milestone, rarely stopping to enjoy the present moment? In this episode of The Grow Your Wealthy Mindset, we explore the powerful practice of savoring—intentionally appreciating positive experiences from the past, present, and future—and how it directly contributes to greater happiness and well-being.

This episode is the 9th in the series exploring concepts from The How of Happiness by Dr. Sonja Lubormosky.

What You’ll Learn in This Episode:

• Why high achievers often struggle to live in the moment
• The difference between savoring and flow
• Three ways to savor: past, present, and future
• Simple techniques to intensify and prolong enjoyment
• How savoring boosts resilience, optimism, and emotional well-being
• The surprising emotional benefits of nostalgia and bittersweet experiences

Practical Tips Shared:

• How to relish everyday routines like meals and coffee
• Creating a “savoring album” to capture meaningful memories
• Using guided imagery to relive joyful moments
• The right way to use your camera without missing the moment
• Celebrating small wins and sharing joy with others

Please subscribe and leave a review on your favorite Podcasting platform.

Get 12 Financial Mistakes that Keep Physicians from Building Wealth at https://www.growyourwealthymindset.com/12financialmistakes

If you want to start your path to financial freedom, start with the Financial Freedom Workbook. Download your free copy today at https://www.GrowYourWealthyMindset.com/fiworkbook

Dr. Elisa Chiang is a physician and money coach who helps other doctors reach their financial goals by mastering their money mindset through personalized 1:1 coaching .

You can learn more about Elisa at her website or follow her on social media.

Website: https://ww.GrowYourWealthyMindset.com

Instagram https://www.instagram.com/GrowYourWealthyMindset

Facebook https://www.facebook.com/ElisaChiang

https://www.facebook.com/GrowYourWealthyMindset

YouTube: https://www.youtube.com/c/WealthyMindsetMD

Linked In: www.linkedin.com/in/ElisaChiang

Disclaimer: The content provided in the Grow Your Wealthy Mind...

What does a two–week trip to Ireland really cost—and how do you plan for it without blowing your budget? 🌍✈️

In this two episode series, I take you behind the scenes of our recent two–week adventure across Ireland. From castle stays and scenic drives to cozy B&Bs and once–in–a–lifetime experiences (like a hawk walk at Ashford Castle), I share exactly how I planned the trip, the financial choices we made, and a detailed breakdown of what we spent.

Here’s what you’ll hear in this episode:

How I booked flights (and rebooked to save money!) as upgraded to Polaris Business Class

Why we splurged on castle stays—and where we saved with B&Bs and groceries

The cost of rental cars, gas, ferries, and tolls while road-tripping through Ireland

Our favorite activities (from historic castles to Irish music pubs) and how much they cost

A full budget breakdown: lodging, transportation, food, and entertainment

How my pre-trip spending plan compared to what we actually spent

Whether you’re dreaming of Ireland, planning your own European getaway, or just curious about the real costs of international travel, this episode will give you both inspiration and practical money insights.

If you enjoyed this episode or have questions about trip planning and finances, email me at growyourwealthymindset@gmail.com

—I’d love to hear from you!

To see pictures from my Irish travels, find me on Facebook at https://www.facebook.com/ElisaChiang and check out my photo albums.

Check out Ashford Castle at https://ashfordcastle.com/

Please subscribe and leave a review on your favorite Podcasting platform.

Get 12 Financial Mistakes that Keep Physicians from Building Wealth at https://www.growyourwealthymindset.com/12financialmistakes

If you want to start your path to financial freedom, start with the Financial Freedom Workbook. Download your free copy today at https://www.GrowYourWealthyMindset.com/fiworkbook

Dr. Elisa Chiang is a physician and money coach who helps other doctors reach their financial goals by mastering their money mindset through personalized 1:1 coaching .

You can learn more about Elisa at her website or follow her on social media.

Website: https://ww.GrowYourWealthyMindset.com

Instagram https://www.instagram.com/GrowYourWealthyMindset

Facebook https://www.facebook.com/ElisaChiang

https://www.facebook.com/GrowYourWealthyMindset

YouTube: https://www.youtube.com/c/WealthyMindsetMD

Linked In: www.linkedin.com/in/ElisaChiang

Disclaimer: The content provided in the Grow Your Wealthy Mind...

What does a two–week trip to Ireland really cost—and how do you plan for it without blowing your budget? 🌍✈️

In this two episode series, I take you behind the scenes of our recent two–week adventure across Ireland. From castle stays and scenic drives to cozy B&Bs and once–in–a–lifetime experiences (like a hawk walk at Ashford Castle), I share exactly how I planned the trip, the financial choices we made, and a detailed breakdown of what we spent.

Here’s what you’ll hear in this episode:

How I booked flights (and rebooked to save money!) as upgraded to Polaris Business Class

Why we splurged on castle stays—and where we saved with B&Bs and groceries

The cost of rental cars, gas, ferries, and tolls while road-tripping through Ireland

Our favorite activities (from historic castles to Irish music pubs) and how much they cost

A full budget breakdown: lodging, transportation, food, and entertainment

How my pre-trip spending plan compared to what we actually spent

Whether you’re dreaming of Ireland, planning your own European getaway, or just curious about the real costs of international travel, this episode will give you both inspiration and practical money insights.

If you enjoyed this episode or have questions about trip planning and finances, email me at growyourwealthymindset@gmail.com

—I’d love to hear from you!

To see pictures from my Irish travels, find me on Facebook at https://www.facebook.com/ElisaChiang and check out my photo albums.

Check out Ashford Castle at https://ashfordcastle.com/

Please subscribe and leave a review on your favorite Podcasting platform.

Get 12 Financial Mistakes that Keep Physicians from Building Wealth at https://www.growyourwealthymindset.com/12financialmistakes

If you want to start your path to financial freedom, start with the Financial Freedom Workbook. Download your free copy today at https://www.GrowYourWealthyMindset.com/fiworkbook

Dr. Elisa Chiang is a physician and money coach who helps other doctors reach their financial goals by mastering their money mindset through personalized 1:1 coaching .

You can learn more about Elisa at her website or follow her on social media.

Website: https://ww.GrowYourWealthyMindset.com

Instagram https://www.instagram.com/GrowYourWealthyMindset

Facebook https://www.facebook.com/ElisaChiang

https://www.facebook.com/GrowYourWealthyMindset

YouTube: https://www.youtube.com/c/WealthyMindsetMD

Linked In: www.linkedin.com/in/ElisaChiang

Disclaimer: The content provided in the Grow Your Wealthy Mind...

Life insurance isn’t something we buy for ourselves—it’s an act of love and protection for those who depend on us. This episode answers a listener’s question: How much life insurance is recommended?

This episode dives deeper into how to determine the right amount of coverage based on your personal circumstances—whether you’re single, married, or raising a family. Dr. Elisa Chiang shares real-world examples and walks through different strategies for determining how much term life insurance a physician should consider, including:

✅ The difference between term and permanent life insurance

✅ When you actually don’t need coverage

✅ Why physicians should often opt for term life over permanent policies

✅ Three different methods to calculate how much coverage to buy

✅ How to “ladder” life insurance policies for cost savings and flexibility

✅ Real-life case study of a physician family

Whether you’re just starting out in your career or well into attending life, this episode will help you feel more confident making decisions about protecting your family's future.

Please subscribe and leave a review on your favorite Podcasting platform.

Get 12 Financial Mistakes that Keep Physicians from Building Wealth at https://www.growyourwealthymindset.com/12financialmistakes

If you want to start your path to financial freedom, start with the Financial Freedom Workbook. Download your free copy today at https://www.GrowYourWealthyMindset.com/fiworkbook

Dr. Elisa Chiang is a physician and money coach who helps other doctors reach their financial goals by mastering their money mindset through personalized 1:1 coaching .

You can learn more about Elisa at her website or follow her on social media.

Website: https://ww.GrowYourWealthyMindset.com

Instagram https://www.instagram.com/GrowYourWealthyMindset

Facebook https://www.facebook.com/ElisaChiang

https://www.facebook.com/GrowYourWealthyMindset

YouTube: https://www.youtube.com/c/WealthyMindsetMD

Linked In: www.linkedin.com/in/ElisaChiang

Disclaimer: The content provided in the Grow Your Wealthy Mind...

In this episode, we explore a powerful and fun way to boost your happiness—by living in the present through flow and savoring. This is the 8th episode in the series following Dr. Sonja Lubomirski’s book, The How of Happiness.

You’ll learn what “flow” really means, how to create it in your daily life, and why it’s one of the most effective ways to feel more fulfilled, engaged, and joyful—whether at work, at home, or in your free time.

Drawing from the groundbreaking research of psychologist Mihaly Csikszentmihalyi, we dive into how flow helps us operate at our best, the importance of balancing challenge and skill, and how to find deeper meaning even in routine activities. We also cover practical ways to invite more flow into your conversations, leisure time, and professional life—plus, why savoring the process matters more than chasing the end goal.

What You’ll Learn in This Episode:

• What the state of flow is and why it’s so enjoyable
• How to find the right balance between challenge and skill
• Why flow leads to more happiness and fulfillment
• How to create “microflow” moments in everyday tasks
• Ways to bring flow into your conversations and leisure time
• How your perspective on work can shift your experience of it
• The difference between healthy flow and potentially harmful overindulgence

Please subscribe and leave a review on your favorite Podcasting platform.

Get 12 Financial Mistakes that Keep Physicians from Building Wealth at https://www.growyourwealthymindset.com/12financialmistakes

If you want to start your path to financial freedom, start with the Financial Freedom Workbook. Download your free copy today at https://www.GrowYourWealthyMindset.com/fiworkbook

Dr. Elisa Chiang is a physician and money coach who helps other doctors reach their financial goals by mastering their money mindset through personalized 1:1 coaching .

You can learn more about Elisa at her website or follow her on social media.

Website: https://ww.GrowYourWealthyMindset.com

Instagram https://www.instagram.com/GrowYourWealthyMindset

Facebook https://www.facebook.com/ElisaChiang

https://www.facebook.com/GrowYourWealthyMindset

YouTube: https://www.youtube.com/c/WealthyMindsetMD

Linked In: www.linkedin.com/in/ElisaChiang

Disclaimer: The content provided in the Grow Your Wealthy Mind...