Best Nate Reineke Podcasts (2025)

1
From Scrubs to Shrubs: A Doctor’s Guide to Financing a Home 56:52

6d ago56:52

56:52

Buying a home is hard. As a physician, you want to make sure you get the best rate, use the right type of loan, and avoid the mistakes that drag out the process. Listen in as Ben Utley and Nate Reineke dissect the complex and confusing world of home buying with special guest and mortgage loan specialist Robert Hedges. Together, they answer your col…

1
Physicians, Flowers, and 403(b)s: A Mother’s Day Finance Chat 27:54

13d ago27:54

27:54

Let's be real here: You spent your first 20 years of life rolling your eyes at your mom's advice and the rest of your life realizing she was right. So right now, make sure you have a table reserved (or groceries bought) and flowers ready for Mother’s Day. Listen in as Ben Utley and Nate Reineke answer a tough listener question about whether the Rot…

1
Doctor dad’s dilemma: Juggling Kids' Activities and Retirement Reality 23:38

20d ago23:38

23:38

Your kids are growing up fast. That means more activities to keep track of on top of all your other commitments. How can you juggle being there for your family and working enough to save for retirement? Listen in as Nate Reineke and Ben Utley provide some tips on how to keep all the balls in the air while still planning for the future. We also answ…

1
Is tax-loss harvesting a bad idea for physician investors? 28:43

27d ago28:43

28:43

Influenza. It’s a word that sounds ominous when you don’t know what it means. To a physician like you, influenza is nothing more than the average flu, but to a patient, it may sound scary. Does tax-loss harvesting sound extreme or even dangerous to you? Listen in as Nate Reineke and Ben Utley explain what tax-loss harvesting is and how your colleag…

1
Market goes bananas: What should physicians do? 14:27

1M ago14:27

14:27

Bananas are cheap but not as cheap as they used to be and the price of almost everything else is going up faster than a monkey up a tree. Everything else but stock prices that is. We’ve gotten several questions from physicians like you essentially asking “What should we do?” Ben Utley breaks down questions about tariffs, taxes, the economy, markets…

1
Right before retirement, what should physicians buy? 23:05

1M ago23:05

23:05

Spring has sprung just like the freshly assembled Adirondack chairs in Ben’s back yard. Fumbling around while constructing Costco lawn furniture is normal, Ben proves that, but, you don’t want to stumble around with your backdoor roth. You also don’t want to be caught off guard by big surprise expenses in retirement. Nate Reineke and Ben Utley brea…

1
Physicians ask: Does PSLF still work? 18:55

2M ago18:55

18:55

Things in the government are changing but, you already knew that, right? What you may not know is that public student loan forgiveness is still alive and well! Nate Reineke and Ben Utley discuss one pediatrician’s five year journey to student loan debt freedom. They also discuss the other listener questions below. A radiologist in Ohio asks if I sa…

1
Investing with a Deadline: What's a Doctor's Best Move? 33:19

2M ago33:19

33:19

Introduction: In this new episode, hosts Nate Reineke and Chelsea Jones tackle the crucial topic of investment strategies for physicians with deadlines, particularly when facing urgent financial goals such as buying a home or addressing student loans. They share insights on how to optimize investments while managing risk. Summary: Join Nate and Che…

1
Physicians still confused about backdoor Roth basics 22:19

2M ago22:19

22:19

Introduction: In Episode, hosts Nate Reineke and Ben Utley delve into the complexities of the backdoor Roth IRA, a popular strategy for high-income earners. They address common misunderstandings and provide clarity on how to navigate potential pitfalls, such as the pro-rata rule. Summary: Join Nate and Ben as they explore the backdoor Roth IRA proc…

1
How much DO physicians spend ? And save ? 24:55

2M ago24:55

24:55

Introduction: In this episode, hosts Nate Reineke and Ben Utley dive into the often-asked question: How much do physicians actually spend and save? They explore spending patterns among doctors, discuss financial strategies for managing student loans, and examine the importance of striking a balance between work and family life. Summary: Nate and Be…

1
Becoming a Physician Mom Again in your 40's! Now what? 36:03

3M ago36:03

36:03

Introduction: Welcome to Physician Family Financial Advisors Podcast. In this episode, hosts Nate Reineke and Ben Utley address the joys and financial complexities of becoming a physician mom in your 40's, and what that means for your financial planning moving forward. Summary: Join Nate and Ben as they explore the financial considerations and stra…

1
Physician forever home mortgage, why not pay points? 32:28

3M ago32:28

32:28

Episode Summary: In this episode Nate Reineke and Ben Utley discuss the nuances of mortgage options for physicians, specifically focusing on the decision to pay points. The hosts explore the implications of mortgage rates, the impact of short-term versus long-term holding periods, and how physicians can navigate the complexities of home financing. …

1
Physicians ask, "What if Trump…?" 28:09

3M ago28:09

28:09

Episode Summary: In this episode, Nate Reineke and Ben Utley discuss the potential financial implications for physicians in light of recent political changes, particularly focusing on the questions surrounding government policies and public service loan forgiveness (PSLF). They also address listener inquiries about financial planning for 2025, incl…

1
What Physicians Should Think About Funding Their 529 plan 26:45

3M ago26:45

26:45

Episode Summary: In this episode, Nate Reineke and Ben Utley discuss important considerations for physicians when funding their 529 plans. The hosts share insights from personal experiences, highlight the significance of effective savings strategies, and address listener questions related to college savings and financial planning. Key Takeaways: - …

1
Turning Quarterly Physician Bonuses Into Monthly Savings 18:02

3M ago18:02

18:02

Episode Summary: In this episode, Nate Reineke and Ben Utley explore strategies for turning quarterly physician bonuses into effective monthly savings. They share insights into managing unexpected income and address listener questions about donor advised funds (DAFs), retirement planning, and the impact of health insurance on financial goals for ph…

1
What is the best college savings goal for doctors ? 34:51

4M ago34:51

34:51

Episode Summary: In this episode, Nate Reineke and Ben Utley explore the best college savings goals for doctors. They discuss strategies for saving effectively for education expenses and address listener questions about donor advised funds (DAFs), 529 accounts, retirement planning, and the overall financial implications for medical professionals an…

1
Can Donor Advised Funds Cut Doctors Taxes Twice ? 46:20

4M ago46:20

46:20

Summary: In this episode, Nate Reineke and Ben Utley explore how donor advised funds (DAFs) can provide significant tax benefits for physicians. They return from their holiday break to answer important listener questions about DAFs, 529 accounts, retirement savings strategies, and the implications of health insurance on financial planning for docto…

1
What will the biggest physician financial question be for 2025 25:22

4M ago25:22

25:22

Episode Summary: In this episode, Nate Reineke and Ben Utley explore what the biggest physician financial question will be for 2025. They kick off the new year by addressing listener questions about financial planning strategies, touching on important topics such as 529 accounts, target date funds versus robo-advisors, Medicare enrollment, and mort…

1
Cracking The Purpose Code with Jordan Grumet MD 37:13

4M ago37:13

37:13

Episode Summary: Join Nate Reineke and Ben Utley as they welcome Jordan Grumet, also known as Doc G, author of The Purpose Code and host of the Earn and Invest podcast. They discuss the vital connection between purpose and financial well-being, providing insights on navigating burnout and rediscovering joy in the medical profession. Guest Info: Jor…

1
Interest Rates: What doctors need to know now 31:20

5M ago31:20

31:20

Episode Overview: In this episode, Ben Utley and Nate Reineke address the important topic of interest rates and how they might affect your financial decisions as a healthcare professional. They explore the potential impact on your investment portfolio and offer considerations for mortgage refinancing, aiming to provide insights that could be valuab…

1
How Much Crypto Should Doctors Own? 21:26

5M ago21:26

21:26

Episode Overview: In this episode, Ben Utley and Nate Reineke tackle the question of how much cryptocurrency is appropriate for doctors to own. They cover important considerations, such as the lack of inherent value in crypto compared to traditional investments like stocks and bonds. This episode also addresses a variety of financial topics relevan…

1
Can Physicians with Chronic Conditions Benefit from HSA? 22:14

6M ago22:14

22:14

Episode Overview: In this episode, Ben Utley and Nate Reineke address the question: Can Physicians with Chronic Conditions Benefit from HSAs? They tackle various financial inquiries from listeners, offering insights and advice crafted for physician families. The discussion covers topics such as the use of 529 funds, strategies for Roth IRA conversi…

1
Why should physicians own bonds? 38:27

6M ago38:27

38:27

Episode Overview: In this episode, Ben Utley and Nate Reineke discuss the often-overlooked topic of bonds and their role in a physician's investment portfolio. The conversation addresses a listener's question about the various types of bonds and how they could fit into a diversified investment strategy. Key Highlights: 1.Understanding Bonds: - Ben …

1
Should physicians who plan to work as long as possible have an aggressive investment portfolio? 25:31

6M ago25:31

25:31

Episode Overview: In this episode, Ben Utley and Nate Reineke explore the complexities of maintaining an aggressive investment portfolio for physicians who might work well into their later years. The discussion addresses how long-term career goals could influence investment strategies, considering factors like risk tolerance, market conditions, and…

1
Should physicians pay off their mortgage or invest more before retiring ? 28:31

6M ago28:31

28:31

Episode Overview: In this episode, Ben Utley and Nate Reineke discuss the question of whether it might be advisable for physicians to prioritize paying off their mortgage or investing additional resources as they approach retirement. The discussion highlights the balance between managing debt and exploring investment opportunities while addressing …

1
How should physicians adjust their investments right before retirement 23:23

7M ago23:23

23:23

Episode Overview: In this episode, Ben Utley and Nate Reineke focus on the important topic of investment adjustments that physicians might want to consider as they approach retirement. They explore how these adjustments could affect financial stability and long-term goals while addressing common questions faced by physician families. Through person…

1
Should we push hard now and slow down in our 50's 23:49

7M ago23:49

23:49

Episode Overview: In this episode, Ben Utley and Nate Reineke address the important question of whether physicians should focus on intense work and savings early in their careers to achieve the possibility of slowing down in their 50s. They discuss the financial implications of this approach, answer listener questions about managing student loans, …

1
Should we put all our resources toward our student loans? 24:05

7M ago24:05

24:05

Episode Overview: In this episode, Ben Utley and Nate Reineke address essential financial decisions that physician families might encounter, particularly regarding student loan management and resource allocation. They explore strategies that could help find a balance between repaying student debt while pursuing other financial goals, such as saving…

1
Am I eligible for a Solo 401k ? 26:19

7M ago26:19

26:19

Episode Overview: In this episode, Ben Utley and Nate Reineke explore the specifics of solo 401(k) eligibility for physicians. They address common misconceptions and complexities related to retirement accounts, discussing various financial strategies that physicians might consider as they advance in their careers. The hosts share insights into the …

1
Should I open an ABLE account for my child with a disability? 22:08

7M ago22:08

22:08

Episode Overview: In this episode, Ben Utley and Nate Reineke discuss the importance of financial planning for families with children who have disabilities, focusing on the benefits of ABLE accounts. They explain how these accounts can enhance financial security and improve the quality of life for individuals with disabilities. The hosts share pers…

1
Pension or 403b: Which should I choose ? 22:44

8M ago22:44

22:44

Episode Overview: In this episode, Ben Utley and Nate Reineke explore the important decision-making process physicians face when selecting between pension plans and 403(b) retirement plans. They discuss the specifics of each option, focusing on how these choices could affect long-term financial stability. The conversation covers common questions ar…

1
Should my taxable account mirror the investments in my Roth IRA? 29:27

8M ago29:27

29:27

Episode Overview: In this episode, Ben Utley and Nate Reineke explore important considerations for physician families regarding investment strategies. They discuss whether taxable accounts should mirror the asset allocation of Roth IRAs, the intricacies of life insurance needs, and the significance of proactive identity protection. The hosts share …

1
At what net worth should I begin a financial plan? 29:33

8M ago29:33

29:33

Episode Overview: In this episode, Ben Utley and Nate Reineke address a key question: At what net worth should you begin a financial plan? They explore various financial challenges faced by physician families, including investment opportunities, insurance needs, and handling unexpected financial situations. Drawing on real conversations with physic…

1
What Insurance Strategies Should you Consider for your Future? 33:31

8M ago33:31

33:31

Episode Overview: In this episode, Ben Utley and Nate Reineke address various financial situations and questions from physician families, focusing on investment strategies, insurance options, and the effective management of inherited assets. Key Points: 1. Investing $700,000: - The hosts discuss a question from an OB-GYN with $700,000 in their bank…

1
Are adjustable rate mortgages right for you? 31:35

9M ago31:35

31:35

Episode Overview: In this episode, Ben Utley and Nate Reineke discuss important financial topics for physician families, including managing inherited assets and evaluating insurance coverage. They also touch on relevant investment strategies and mortgage options in today's financial climate. Key Points: 1. Consolidating Inherited Accounts: Streamli…

1
Should you increase stocks before retirement? 35:49

9M ago35:49

35:49

Episode Overview: In this milestone 80th episode of the Physician Family Financial Advisors podcast, Ben Utley and Nate Reineke celebrate their journey before addressing pressing financial questions from their listeners. The discussion covers essential topics such as maximizing health savings accounts (HSAs) under COBRA, best practices for rebalanc…

1
Great income and a job I love but no balance - What should I do? 34:30

9M ago34:30

34:30

Episode Overview: In this episode, Ben Utley and Nate Reineke explore estate planning and work-life balance with a focus on the unique needs of physicians. They share strategies for securing your financial future while enjoying a fulfilling personal life. The hosts discuss the key differences between wills and trusts, the significance of durable po…

1
Why does it feel like we don't make great money? 27:43

9M ago27:43

27:43

Episode Overview: In this episode, Nate Reineke and Ben Utley discuss financial strategies for high-earning physicians. They explore how a $50,000 inheritance could potentially support your child’s education through a 529 plan and share tips on effectively managing large cash reserves in business accounts. Key Takeaways: 1. 529 Plan Benefits: - Inv…

1
Should I be taking more risk? 35:53

10M ago35:53

35:53

Episode Overview: In this episode, Nate Reineke and Ben Utley discuss socially responsible investing (SRI) and how physicians can align their investment choices with their values. They cover the importance of diversification, explore the tax implications of practice buy-in loans, and provide investment strategies that may benefit young doctors, all…

1
Tight on cash, where do I start saving first? 37:56

10M ago37:56

37:56

Episode Overview: In this episode, Nate Reineke and Ben Utley discuss financial planning tailored for physicians. They explore the challenges of high-performing stocks like Tesla and the tax implications of practice buy-in loans. The episode includes investment strategies that may benefit young doctors, along with a case study on managing gains fro…

1
Should I be more aggressive with my college investments? 27:18

10M ago27:18

27:18

Episode Overview: In this engaging episode, we explore the multifaceted aspects of financial planning designed specifically for physician families. Hosts Nate Reineke and Ben Utley share insights on navigating topics like home building, real estate transactions, and investment strategies—each aimed at addressing the unique circumstances faced by me…

1
Should I put my cash in treasuries? 24:25

10M ago24:25

24:25

Episode Overview: In this episode of the Physician Family Financial Advisors podcast, hosts Nate Reineke and Ben Utley, both Certified Financial Planners, discuss financial strategies for physician families. They explore how to use extra cash effectively, looking at options like U.S. Treasuries, T-bills, ultra-short-term bond funds, ETFs, CDs, and …

1
Should you contribute to your company’s cash balance plan? 32:25

10M ago32:25

32:25

Episode Overview: Join Nate Reineke and Ben Utley as they unveil insights into optimizing retirement and investment strategies tailored for self-employed physicians. This episode explores why a solo 401(k) might be more beneficial than a SEP IRA, particularly for those considering backdoor Roth conversions. Additionally, the hosts delve into the in…

1
Are we on track for retirement? 38:58

11M ago38:58

38:58

On today’s episode we answer more of your questions! Are we on track for retirement? My mom and dad need a little help with money - how much can I help? Is now the right time to upgrade in house? Another physician inheritance: what should I do with my extra money? I am looking at hiring a financial advisor, what questions should I ask them? I keep …

1
How will you invest my money? 26:47

12M ago26:47

26:47

On today's episode we answer YOUR questions! Should I stop contributing to my taxable account and 529s if we are going to move in a year? How much can we contribute to our grandchildren's 529 accounts without going over the gift limit? How much does college cost? If I go with Physician Family and you manage my accounts, how will you invest my money…

1
Should I pay off my house with my inheritance? 23:19

1y ago23:19

23:19

How do I use my 529 to pay for college? Should I make regular 529 withdrawals or can I leave the 529 money in the account growing tax free as long as possible? I received a large inheritance, should I pay off my 2.5% mortgage? Should I count on merit based scholarships? Should I let my 1-year CD rollover at Alliant or move it to a cash reserves acc…

1
Should I pay down debt or invest? 21:32

1y ago21:32

21:32

On today’s show… Is it finally time to pay off my student loans? I make $700,000 a year and I want my spouse to work..am I wrong? Should I put my college money in cash or 529s? Did my $2M home purchase derail my retirement? Am I putting too much in my 529? New city, new job. Can I wait a while to start saving for retirement while everything is in f…

1
How should I choose a tax preparer? 17:09

1y ago17:09

17:09

On today’s show… • How do I choose the right tax preparer? • Why didn’t my automatic payment come out for my mortgage? • Should we move closer to our parents? • Should I count on hitting my RVUs? • Should I buy into my surgery center? • I am 10-years from retirement, should I cancel my life and DI insurance? • How do we combine finances in my secon…

1
Are Financial Advisors Worth it for Physicians? 29:52

1y ago29:52

29:52

You’ve been waiting for it all this time. So here we are, on our 67th episode - here comes the shameless self promotion. Right? I mean what advisor doesnt think they are worth it. Well not only do we believe we are worth it, we can prove it. On today’s show, Nate and Ben share three ultra-simple moves that are so basic and so valuable that even sup…

1
Physician College Planning: What your colleagues are saying now 22:12

1y ago22:12

22:12

Physician culture is a funny thing. Your colleagues may be thinking the same thing you’re thinking (about paying for college) but you would never know. Well, we do. As our in house college planning specialist, Nate Reineke has written college plans to help the physician moms and dad we serve send more than 300 children to college. So maybe your col…

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