Best Tim Ulbrich Podcasts (2025)

1
YFP 407: Ask YFP: Using 529s for Student Loans & Buying Bitcoin Efficiently 34:17

1d ago34:17

34:17

Tim Ulbrich and Tim Baker answer two questions from the YFP community on using 529 funds for student loans and the most cost-efficient ways to invest in digital assets like Bitcoin. Summary In this episode, YFP Co-Founder & CEO Tim Ulbrich, PharmD, is joined by YFP Co-Founder & COO Tim Baker, CFP®, RLP®, RICP®, to answer two insightful financial qu…

1
YFP 406: Should You Pay Off Your House Early? 23:21

9d ago23:21

23:21

Should you pay off your mortgage early? YFP Co-Founder & CEO, Tim Ulbrich, PharmD unpacks the math, emotions, and big-picture factors in the mortgage payoff debate—plus 5 reasons when it may or may not make sense to pay extra on your mortgage. Summary Should you pay off your mortgage early? It’s a question that comes up often in personal finance—an…

1
YFP 405: Navigating Retirement Income: How to Turn Assets into a Paycheck 52:32

16d ago52:32

52:32

How do you turn your retirement savings into a reliable paycheck? In this episode, YFP Co-Founder & CEO, Tim Ulbrich, PharmD, and YFP Co-Founder & COO, Tim Baker, CFP®, RLP®, RICP®, break down three common strategies for building a retirement paycheck — including how each works, who they’re best for, and the pros and cons to consider. Summary How d…

1
YFP 404: 5 Key Questions to Ask Before Hiring a Financial Planner 1:19:35

23d ago1:19:35

1:19:35

Tim Ulbrich, PharmD, and Tim Baker, CFP®, break down how to find the right financial planner—covering what planners really do, how they’re paid, and the questions to ask—so you can move forward with clarity and confidence. This episode is brought to you by First Horizon. Summary Not sure who to trust with your finances—or if you even need a financi…

1
YFP 403: Lessons from the Red: Navigating Big Market Dips 25:59

1M ago25:59

25:59

Tim Ulbrich, PharmD, reflects on losing over $100,000 during recent market volatility and shares eight powerful, experience-driven lessons from two decades of investing to help listeners navigate the emotional and practical realities of building wealth. This episode is brought to you by APhA. Summary In this episode, Tim Ulbrich, PharmD gets person…

1
YFP 402: Building a Legacy: The Family Constitution Blueprint with Julia Myers 44:28

1M ago44:28

44:28

In this episode, Julia Myers, pharmacist and founder of Generational Wisdom, shares her Family Constitution Blueprint, a tool to help families define values, build traditions, and create a lasting legacy. This episode is brought to you by First Horizon. Summary In this episode, Tim Ulbrich is joined by Julia Myers, a pharmacist and the founder of G…

1
YFP REI 133: How Property Owners Can Leverage Energy-Efficient Financing 45:04

1M ago45:04

45:04

Attorney Colin Kalvas discusses PACE (Property Assessed Clean Energy) financing, including its origins, mechanisms, and applications for residential and commercial property owners. Summary In this episode, Colin Kalvas, a public finance and economic development attorney, joins Nate Hedrick, PharmD and David Bright, PharmD to explore the intricacies…

1
YFP 401: Ask YFP: Roth IRA Eligibility & Estimating Life Insurance Needs 15:25

2M ago15:25

15:25

Tim Ulbrich and Tim Baker tackle questions from the YFP community on life insurance needs for expectant parents and eligibility for direct Roth IRA contributions. Summary On today’s episode, YFP Co-Founders Tim Ulbrich, PharmD and Tim Baker, CFP tackle two important questions from the YFP community. First, they dive into how to project your life in…

1
YFP 400: From Pharmacy to Podcasting: Anisha Patel’s Journey of Growth & Entrepreneurship 1:07:54

2M ago1:07:54

1:07:54

In this episode, Tim Ulbrich chats with Anisha Patel, host of the Pharmacist Diaries podcast, about her journey through pharmacy, entrepreneurship, and personal growth, including her work at Oxford and Cleveland Clinic Abu Dhabi, and how launching her podcast during the pandemic opened new opportunities. Summary In this episode, Tim Ulbrich, YFP Co…

1
YFP 399: From Pre-Approval to Closing: Understanding the Mortgage Process (and Common Mistakes to Avoid) 58:54

2M ago58:54

58:54

Tim Ulbrich, YFP Co-Founder is joined by mortgage loan officer Tony Umholtz to discuss the mortgage process. They break down key steps, from getting pre-approved to closing, highlighting important considerations and common mistakes to avoid when buying a home. This episode is brought to you by First Horizon. Summary In this episode, Tim Ulbrich, YF…

1
YFP 398: Is Your Income Your Rate Limiting Step? 29:45

2M ago29:45

29:45

In this episode, Tim Ulbrich, YFP CEO looks at three powerful areas for growing your income: maximizing your compensation, real estate investing, and building side hustles or businesses. Summary While cutting expenses is a key part of managing your finances, there's a limit to how much you can cut. The good news? Your income has no ceiling. In this…

1
YFP 397: The Art of Rebalancing: Maintaining Your Investment Portfolio 30:29

3M ago30:29

30:29

Tim Baker, CFP®, RICP®, RLP® and Tim Ulbrich, PharmD discuss the importance of maintaining a balanced asset allocation, the nuances of risk tolerance and capacity, and the different accounts you should be rebalancing. Brought to you by First Horizon. Summary In this episode, Tim Baker, CFP®, RICP®, RLP®, and Tim Ulbrich, PharmD, explore the essenti…

1
YFP 396: Managing Money Together: Strategies for Couples 1:01:42

3M ago1:01:42

1:01:42

Tim Ulbrich, PharmD, and Tim Baker, CFP®, RICP®, RLP® dive into the challenges and rewards of managing money in a relationship. Summary In this episode, Tim Ulbrich, PharmD, and Tim Baker, CFP®, RICP®, RLP® dive into the challenges and rewards of managing money in a relationship. They break down how different approaches—whether merging finances com…

1
YFP 395: What to Look for in a Real Estate Agent (And Why It’s More Important Than Ever) 39:11

3M ago39:11

39:11

Tim Ulbrich & Nate Hedrick break down 2025 housing trends, agent tips & the new buyer’s agreement. Sponsored by Real Estate RPH. Summary Tim Ulbrich, YFP Co-Founder talks with Nate Hedrick, PharmD and Founder of Real Estate RPh as they break down the key trends shaping the 2025 housing market, from declining home sales to soaring interest rates. Na…

1
YFP 394: Crafting a Rich Life in Retirement: Insights from David Zgarrick, PhD 46:46

3M ago46:46

46:46

Tim Ulbrich, YFP Co-Founder welcomes back David Zgarrick, PhD to share his journey into "preferment," balancing retirement, financial planning, and staying engaged through teaching and consulting. Summary In this episode, Tim Ulbrich, YFP Co-Founder, welcomes back David Zgarrick, PhD, as he shares his journey into what he calls the "preferment phas…

1
YFP Real Estate Investing 132: Rent vs Buy: Does Buy Still Make Sense? 42:17

4M ago42:17

42:17

Tim Ulbrich talks with Nate Hedrick and David Bright as they break down the rent vs. buy dilemma in today’s market, tackling equity, flexibility, financial strategy, and key market insights. Summary Tim Ulbrich talks with real estate investors Nate Hedrick, PharmD and David Bright, PharmD as they dive into the rent vs. buy decision in today’s housi…

1
YFP 393: Ask YFP: Growing Your Income & Saving for Kids College Savings 28:13

4M ago28:13

28:13

YFP Co-Founders, Tim Ulbrich and Tim Baker answer two listener submitted questions about growing income and saving for your child’s college education. Summary In this episode, Tim Ulbrich, PharmD and Tim Baker, CFP tackle two listener submitted questions. Cory from Arizona seeks advice on how pharmacists, in addition to cutting expenses, can increa…

1
YFP 392: Keeping Your Investment Portfolio FIT 39:24

4M ago39:24

39:24

Tim Baker, CFP®, and Tim Ulbrich, PharmD, share strategies to address fees, inflation, and taxes, helping you keep your investment portfolio fit and achieve your financial goals. Summary In this episode, Tim Baker, CFP® and Tim Ulbrich, PharmD discuss a crucial topic related to personal finance: keeping your investment portfolio fit. Tim and Tim ex…

1
YFP 391: 7 Books That Shaped My Money Mindset 21:04

4M ago21:04

21:04

Tim Ulbrich shares insights from seven financial books that shaped his journey, offering key lessons on saving, spending, mindset, and building wealth. Summary In this episode, Tim Ulbrich highlights seven impactful financial books that shaped his journey, including I Will Teach You to Be Rich by Ramit Sethi, Die with Zero by Bill Perkins, and Rich…

1
YFP 390: Financial Resolutions: Top 5 Moves for Pharmacists in 2025 24:55

5M ago24:55

24:55

Tim Ulbrich, YFP Co-Founder, shares 5 key financial moves to align your goals, enjoy life now, and build a secure future. Summary In the first episode of the year, Tim Ulbrich, YFP Co-Founder, dives into strategies for aligning your personal and professional goals to make 2025 your best year yet. He shares five essential financial moves to help you…

1
YFP Real Estate Investing 131: Revisiting Our 2024 Projections and Looking Ahead to 2025 33:36

5M ago33:36

33:36

David Bright and Nate Hedrick share their annual real estate predictions for the year ahead and reflect on trends of 2024. Summary Join hosts David Bright, PharmD and Nate Hedrick, PharmD as they close out 2024 with their third annual real estate investing predictions. Reflecting on their past forecasts for the year, they explore why rates and hous…

1
YFP 389: 2024 in Review: Milestones, Highlights, & Giveaway! 10:03

5M ago10:03

10:03

Tim Ulbrich, YFP CEO, celebrates over 2 million downloads of the YFP Podcast by sharing some of his favorite episodes and listener stories. He also previews exciting projects ahead in 2025 for YFP. Summary In this special year-end episode, host Tim Ulbrich reflects on a milestone year, celebrating over 2 million downloads of the YFP Podcast. He sha…

1
YFP 388: Entrepreneurial Journeys in Pharmacy: Lessons on Growth and Success 58:16

5M ago58:16

58:16

Four pharmacist entrepreneurs share their journeys from pharmacy to thriving businesses, offering tips, actionable advice and inspiration. This episode is brought to you by APhA. Summary In this engaging panel discussion, four pharmacist entrepreneurs—Brooke Griffin, Jimmy Pruitt III, Kelley Carlstrom, and Natalie Park—share their unique paths from…

1
YFP Real Estate Investing 130: From Full-Time Pharmacist to Full-Time STR Investor 45:14

5M ago45:14

45:14

Jeff Chheuy, a pharmacist turned real estate investor and content creator, shares his journey and success in real estate investing. Summary In this episode, David Bright and Nate Hedrick talk with Jeff Chheuy, a pharmacist turned full-time real estate investor. Jeff shares his journey into real estate investing and emphasizes the importance of find…

1
Rx Money Roundup #18: Can I do a backdoor Roth IRA myself? 18:56

5M ago18:56

18:56

In today’s episode, we’re diving into one of Tim Baker’s favorite topics (cue sarcasm and an annoyed face): backdoor Roth IRAs. You’ve probably heard the term thrown around, but what exactly is a backdoor Roth IRA, and is it something you should consider? More importantly, should you tackle it on your own or leave it to the professionals? We break …

1
YFP 387: Cryptocurrency & Digital Assets: Investment Considerations and Tax Implications 33:26

5M ago33:26

33:26

In part two of their cryptocurrency series, YFP Co-Founders Tim Baker and Tim Ulbrich discuss spot Bitcoin ETFs, the IRS's stance on cryptocurrency, and strategies for incorporating digital assets into long-term portfolios. This episode is brought to you by First Horizon. Summary This week in part two of the series on cryptocurrency and digital ass…

1
Rx Money Roundup #17: How does a 401(k) loan work? 9:40

6M ago9:40

9:40

In this episode, YFP Co-Founders Tim Baker and Tim Ulbrich break down the intricacies of 401(k) loans, explaining how they function, how interest is calculated, and the key factors to consider when determining if they're a smart financial decision. Mentioned on the Show: Submit a Question to Be Featured on Rx Money Roundup YFP Book a Discovery Call…

1
YFP Real Estate Investing 129: Engineering a Property Management Company 43:18

6M ago43:18

43:18

Naeem Farokhnia, an engineer-turned-real estate investor and CEO of TheSFPropertyManagement Inc, shares his journey into real estate investing to eventually launching his own property management company. Summary In this episode, hosts Nate Hedrick and David Bright welcome Naeem Farokhnia, an engineer-turned-real estate investor and founder and CEO …

1
YFP 386: Cryptocurrency & Digital Assets: Definitions, Origins, and Risks 36:10

6M ago36:10

36:10

Tim Ulbrich and Tim Baker discuss cryptocurrency, examining its advantages like decentralization and transparency and risks such as volatility and regulatory uncertainty. Summary In this first episode of a two-part series on cryptocurrency and digital assets, YFP Co-Founders Tim Ulbrich and Tim Baker explore the world of digital finance and its rel…

1
YFP 385: Networking Reimagined: Insights from David Burkus 46:25

6M ago46:25

46:25

Tim Ulbrich revisits his 2019 conversation with David Burkus, author of Friend of a Friend, to explore how we can rethink networking and build relationships that unlock new opportunities. This episode is brought to you by First Horizon. Summary In this week’s episode, YFP Co-Founder Tim Ulbrich revisits a 2019 conversation with David Burkus, best-s…

1
Rx Money Roundup #16: What are my options once my term life insurance policy expires? 10:19

6M ago10:19

10:19

Life insurance is essential for pharmacists to safeguard loved ones, cover student loans, and secure financial stability in the face of unexpected events. With significant debt and financial responsibilities, pharmacists require tailored coverage to meet their unique needs. In this episode, we tackle a listener's question about what to do once a 30…

1
YFP 384: Beyond Salary: Negotiating Your Value in the Workplace 49:31

6M ago49:31

49:31

YFP Co-Founders Tim Baker and Tim Ulbrich discuss essential negotiation skills inspired by Chris Voss’s book Never Split The Difference, covering key strategies to boost your financial plan, mindset, and confidence. Summary In this episode, YFP Co-Founders Tim Baker and Tim Ulbrich have a valuable conversation on negotiation—an essential skill that…

1
Rx Money Roundup #15: What is the best way to create (and stick to) a budget? 11:31

6M ago11:31

11:31

In this episode, we tackle a common question: what’s the best way to create and stick to a budget? There’s no one-size-fits-all answer, so it’s about finding a method that works for you. We’ll explore three popular approaches—No Budget, the 50/30/20 rule, and more—to help you discover a budgeting style you can stick with over time. Mentioned on the…

1
YFP 383: 5 Overlooked & Undervalued Areas of the Financial Plan 25:03

6M ago25:03

25:03

Tim Ulbrich, YFP CEO, explores five often-overlooked areas of financial planning from credit, tax planning, emergency funds, insurance, and estate planning. Summary YFP CEO Tim Ulbrich dives into five critical—but often overlooked—areas of financial planning that deserve more attention. While these topics might not be as thrilling as investing, mak…

1
Rx Money Roundup #14: What I do and don't like about the Ramsey Baby Steps 10:35

6M ago10:35

10:35

In this episode, Tim Ulbrich shares his honest take on the popular Dave Ramsey 7 Baby Steps, what he thinks works and what doesn’t. Whether you’re new to these steps or already know them well, Tim reviews each step and breaks down the pros and cons from his perspective. Mentioned on the Show: Ramsey: The 7 Baby Steps Submit a Question to Be Feature…

1
YFP Real Estate Investing 128: Did I Pay Too Much? Residential Appraisals 101 41:03

7M ago41:03

41:03

Nate Hedrick and David Bright unpack the latest market trends, revealing how list prices can mislead, why appraisals tell the real story, and how smart renovations and a knowledgeable realtor can unlock hidden property value. Summary In this episode, hosts Nate Hedrick and David Bright dive into the latest twists and turns of the real estate market…

1
YFP 382: Living & Leaving a Legacy with Joe Baker 47:41

7M ago47:41

47:41

Joe Baker, personal finance instructor, returns for inspiring conversation about purposeful living, the power of mentorship, and the enduring impact of a life well-lived. Summary In this episode, we welcome back Joe Baker, MBA for his third appearance on the show. Joe first joined us in 2019 with his former student Blake Johnson, where they shared …

1
Rx Money Roundup #13: Student loan interest rates this fall are what?! 8:35

7M ago8:35

8:35

Tim Ulbrich, PharmD, discusses the impact of recent federal interest rates on student loans, with a focus on how these changes affect borrowers currently attending school this fall. Mentioned on the Show: Submit a Question to Be Featured on Rx Money Roundup Subscribe to the YFP Newsletter YFP Disclaimer…

1
YFP 381: 10 FAQs for First-Time Homebuyers 55:13

7M ago55:13

55:13

Tony Umholtz from First Horizon Bank returns to tackle the top 10 questions first-time home buyers often ask. This episode is brought to you by First Horizon. Summary Tony Umholtz from First Horizon Bank returns to tackle the top 10 questions first-time home buyers often ask. With over 20 years of experience in the mortgage industry, Tony covers es…

1
Rx Money Roundup #12: What is your take on pet insurance? 13:07

7M ago13:07

13:07

We all love our pets - but at what cost? YFP Co-Founders Tim Ulbrich and Tim Baker take a listener question on how to determine whether or not it makes sense to purchase pet insurance. Mentioned on the Show: Submit a Question to Be Featured on Rx Money Roundup Subscribe to the YFP Newsletter YFP Disclaimer…

1
Rx Money Roundup #11: Should I refinance my mortgage? 8:58

7M ago8:58

8:58

In this episode, YFP Co-Founders Tim Ulbrich and Tim Baker tackle a question that has not gotten a lot of attention in recent years given the rise in interest rates, which is: “Should I refinance my mortgage and when is it a good time to refinance?” Mentioned on the Show: Submit a Question to Be Featured on Rx Money Roundup Subscribe to the YFP New…

1
YFP 380: Understanding & Improving Your Credit 40:43

7M ago40:43

40:43

Tim Ulbrich and Tim Baker discuss the role of credit in financial planning: why it matters, how it works, what makes up a credit score, common credit misconceptions and more. Summary In this episode, Tim Ulbrich and Tim Baker discuss the role of credit in financial planning. They explore why credit matters, how it works, and how it influences impor…

1
Rx Money Roundup #10: How should I handle all the market volatility? 15:29

7M ago15:29

15:29

In this episode, YFP Co-Founders Tim Ulbrich and Tim Baker dive into practical strategies for investors to navigate market volatility, especially in light of the turbulence we've experienced over the past year. They explore how to maintain a long-term perspective while acknowledging the real emotions—fear, anxiety, and uncertainty—that can arise du…

1
YFP Real Estate Investing 127: Passive Fund Investing with DLP Capital 50:46

7M ago50:46

50:46

Rich Delgado, Managing Director at DLP Capital, discusses passive real estate investing, particularly for pharmacists who may want to diversify their financial portfolio. Summary In this episode, Rich Delgado, Managing Director at DLP Capital, joins hosts David Bright and Nate Hedrick to explore passive real estate investing, particularly for pharm…

1
YFP 379: Inspiring Bold Ideas: Career and Entrepreneurial Insights with Dr. Brooke Griffin 47:56

8M ago47:56

47:56

Dr. Brooke Griffin, founder of Bold Idea Group, shares her career journey in pharmacy academia to launching her own coaching business. This episode is brought to you by First Horizon. Summary In this inspiring episode, Tim Ulbrich introduces Dr. Brooke Griffin, a coach, mentor, and founder of Bold Idea Group. Dr. Griffin shares her career journey i…

1
Rx Money Roundup #9: What does financial success look like for you? 5:05

8M ago5:05

5:05

On this week’s episode of the Rx Money Roundup, Tim Ulbrich, PharmD and YFP Co-Founder challenges listeners to think about and define what financial success looks like for them. Mentioned on the Show: Submit a Question to Be Featured on Rx Money Roundup Subscribe to the YFP Newsletter YFP Disclaimer

1
YFP 378: 10 Questions for Early Retirement 47:10

8M ago47:10

47:10

Tim Baker, CFP® tackles 10 questions for those considering early retirement from sources of income, handling market volatility, health insurance options and more. Summary This week, Tim Baker, CFP®, RLP®, RICP® and Tim Ulbrich, PharmD are tackling 10 questions for those considering early retirement. They discuss sources of income in retirement, han…

1
Rx Money Roundup #8: How should I prioritize investing if my employer doesn't have a 401(k) match? 9:12

8M ago9:12

9:12

On this week’s episode of the Rx Money Roundup, YFP Co-Founders, Tim Ulbrich and Tim Baker, take a question from Jacob in Cincinnati, OH: "How should I prioritize investing if my employer doesn't have a 401(k) match?" Mentioned on the Show: Submit a Question to Be Featured on Rx Money Roundup Subscribe to the YFP Newsletter YFP Disclaimer…

1
YFP Real Estate Investing 126: Career Flexibility through Real Estate Investing 50:12

8M ago50:12

50:12

Kamren Gallon, PharmD shares how he is able to successfully flip and sell houses, the importance of mentors, and how he balances his real estate investments with his pharmacy career. Summary Kamren Gallon, PharmD returns to the show and shares his journey from flipping six to eight houses a year to 20-25 houses a year, emphasizing the importance of…

1
YFP 377: 10 Moves to Make to Become Financially Fit 30:25

8M ago30:25

30:25

Gathering wisdom from his own journey and those of many other pharmacists, Tim Ulbrich, YFP CEO, shares ten moves that are key in building a strong financial foundation. Summary YFP CEO and Co-Founder, Tim Ulbrich, distills the lessons learned from his own financial journey and from speaking with thousands of pharmacists about their financial plans…

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Tim Ulbrich Podcasts

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