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In this episode, Renee & Nii discuss how the common forms of debt (student loans, consumer debt, mortgage) keep you stuck in the rat race and burnt out!

Things to expect in this episode:

• Renee clarifies how much she really owed the IRS
• The Top 10 Medical Schools that keep their students in the highest debts
• Why you should consider refinancing your loans
• Why the Darkos don’t co-sign loans for anyone

Resources listed:
Student Hero Medical School Repayment Guide
How long should a car loan be
10 Medical Schools where students leave with the most debt

WE WANT TO HEAR FROM YOU!!!! FILL OUT THE DOCS OUTSIDE THE BOX PODCAST SURVEY (in partnership w INCROWD)

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Check out the jobs St John Associates have HERE

Locumstory. Learn how locum tenens helps doctors make more and have the lifestyle they deserve!. Check them out HERE!

SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show!

What if you could reshape your career and lifestyle with the freedom and flexibility you’ve always dreamed of? In this episode, we explore the exciting world of locum tenens work, sharing insights on how to start your own locums company, medical malpractice insurance and why every doctor should consider doing locums.

Timeline

0:00 Introduction

2:47 What y'all say Friday! Ask us anything y'all.

3:29 Working 24 hour shifts as a doctor.

7:44 Billing & Getting paid as a locums doctor

10:47 How to Start a Locums Agency.

14:08 Not working on important days of your life.

16:24 Medical malpractice for locums doctors

21:53 Rates vs travel expenses as locums doctors

28:12 Why consider doing locums?

35:44 Is there a Diddy in medicine y'all?

FREE DOWNLOAD - 7 Considerations Before Starting Locum Tenens - https://darkos.lpages.co/7-considerations-before-locums

LINKS MENTIONED

App for sending out receipts - https://www.waveapps.com/

To learn Ins and Outs of locums - https://locumstory.com/

SIGN UP FOR OUR NEWSLETTER! https://darkos.lpages.co/newsletter-signup/

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Have a question for the podcast?

Text us at 833-230-2860

Twitter: @drniidarko

Instagram: @docsoutsidethebox

Email: team@drniidarko.com

Merch: https://docs-outside-the-box.creator-spring.com

This episode is sponsored by

Set For Life Insurance. What the Darkos use for great disability insurance at a low cost!! Check them out at https://setforlifeinsurance.com/

Locumstory. Learn how locum tenens helps doctors make more and have the lifestyle they deserve!. Check them out HERE!

SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show!

Send us a Voice Message - https://www.speakpipe.com/docsoutsidethebox

Have a question for the podcast?

Text us at 833-230-2860

In this episode, we discuss a question from a pre-med student from a lower income background who is worried about pursuing medicine with the new student loan caps. We also offer advice on how to navigate these new financial obstacles, and whether becoming a doctor is still a viable path. If you're facing similar challenges, remember you're not alone. Reach out to mentors and be creative with your educational path.

FREE DOWNLOAD - 7 Considerations Before Starting Locum Tenens - https://darkos.lpages.co/7-considerations-before-locums

LINKS MENTIONED

International Healthcare Volunteers (IHCV) - https://www.ihcv.org/

SIGN UP FOR OUR NEWSLETTER! https://darkos.lpages.co/newsletter-signup/

WATCH THIS EPISODE ON YOUTUBE!

Instagram: @docsoutsidethebox

Email: team@drniidarko.com

Twitter: @drniidarko

Merch: https://docs-outside-the-box.creator-spring.com

This episode is sponsored by

Locumstory. Learn how locum tenens helps doctors make more and have the lifestyle they deserve!. Check them out HERE!

Locumstory. Learn how locum tenens helps doctors make more and have the lifestyle they deserve!. Check them out HERE!

SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show!

Dr. Lucie Mitchell is a long time listener of Docs Outside. She joins Dr. Nii today to share her story about how a major panic attack in the last 3 months of residency training led her to pay off $70,000 of student loan debt in less than a year and turn medicine into art.

Things to expect in this episode:

• How a debt-induced panic attack and a phone call with Dr. Renée resulted in an aggressive loan repayment plan
• How Dr. Lucie turned her back pain into art for herself and others
• How she roped the dean of her medical school into babysitting her daughter
• How one of Dr. Nii's mindset episodes helped Dr. Lucie stop stalling and take action

Check out Dr. Lucie's artistry at www.phoenixnoirdesigns.com

WE WANT TO HEAR FROM YOU!!!!
TELL US WHAT YOU WANT TO HEAR ON FUTURE EPISODES!!!!
FILL OUT THE DOCS OUTSIDE THE BOX PODCAST SURVEY (in partnership w INCROWD)


INCROWD
MAKE EXTRA MONEY AS A RESIDENT OR ATTENDING - COMPLETE MEDICAL SURVEYS WITH INCROWD


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https://www.youtube.com/drniidarko

Join our community
Text word PODCAST to 833-230-2860

Twitter: @drniidarko
Instagram: @drniidarko
Email: team@drniidarko.com

Podcasting Course: www.docswhopodcast.com
Merch: https://docs-outside-the-box.creator-spring.com

This episode is sponsored by

Set For Life Insurance. What the Darkos use for great disability insurance at a low cost!! Check them out at www.setforlifeinsurance.com

Provider Solutions & Development. Experts in holistic career coaching – check them out HERE
Twitter: @PSDConnects
Facebook: @PSDConnects
LinkedIN: Provider Solutions & Development

Locumstory. Learn how locum tenens helps doctors make more and have the lifestyle they deserve!. Check them out HERE!

SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show!

Send us a Voice Message - https://www.speakpipe.com/docsoutsidethebox

Have a question for the podcast?

Text us at 833-230-2860

The medical profession is facing a significant shift as doctors are increasingly finding more lucrative opportunities on social media than in clinical practice. While some doctors manage to balance both worlds, the trend points toward a future where medical knowledge is increasingly monetized online rather than applied in hospitals and clinics.

FREE DOWNLOAD - 7 Considerations Before Starting Locum Tenens - https://darkos.lpages.co/7-considerations-before-locums

SIGN UP FOR OUR NEWSLETTER!

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Instagram: @docsoutsidethebox

Email: team@drniidarko.com

Twitter: @drniidarko

Merch: https://docs-outside-the-box.creator-spring.com

This episode is sponsored by

Locumstory. Learn how locum tenens helps doctors make more and have the lifestyle they deserve!. Check them out HERE!

SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show!

Send us a Voice Message - https://www.speakpipe.com/docsoutsidethebox

Have a question for the podcast?

Text us at 833-230-2860

When the "big beautiful bill" passed, all student loan forgiveness programs were paused. In this segment we went deep into the ripple effects these changes will create across healthcare. Whether you're a healthcare professional feeling betrayed by broken government promises or a taxpayer relieved about potential savings, share your perspective with us! Are you team "responsibility" or team "broken promises"? Which side are you on?

REE DOWNLOAD - 7 Considerations Before Starting Locum Tenens - https://darkos.lpages.co/7-considerations-before-locums

LINKS MENTIONED

npr article on what borrowers should know about student loan changes in the One Big Beautiful Bill - https://www.npr.org/2025/07/24/nx-s1-5477646/student-loan-repayment-forgiveness-trump

CBS NEWS on student loan forgiveness - https://www.cbsnews.com/news/student-loan-forgiveness-ibr-debt-payments-education-department-cbs-news-explains/

SIGN UP FOR OUR NEWSLETTER!

WATCH THIS EPISODE ON YOUTUBE!

Instagram: @docsoutsidethebox

Email: team@drniidarko.com

Twitter: @drniidarko

Merch: https://docs-outside-the-box.creator-spring.com

This episode is sponsored by

Locumstory. Learn how locum tenens helps doctors make more and have the lifestyle they deserve!. Check them out HERE!

Locumstory. Learn how locum tenens helps doctors make more and have the lifestyle they deserve!. Check them out HERE!

SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show!

Send us a Voice Message - https://www.speakpipe.com/docsoutsidethebox

Have a question for the podcast?

Text us at 833-230-2860

The sudden passing of Malcolm-Jamal Warner was a shock to most of us who grew up watching him as Theo on The Cosby Show. At just 54 years old, his drowning in Costa Rica while swimming with family serves as a stark reminder that water safety remains crucial for everyone, regardless of swimming ability or experience. Check the links below for crisis hotlines, therapist directories, and water safety information that could make all the difference in someone's life.

FREE DOWNLOAD - 7 Considerations Before Starting Locum Tenens - https://darkos.lpages.co/7-considerations-before-locums

LINKS MENTIONED

988 Suicide & Crisis Lifeline - https://988lifeline.org/

National Alliance on Mental Illness - https://www.nami.org/

To find a therapist - https://www.psychologytoday.com/

For online therapy - https://www.betterhelp.com/

If you’re griefing and need support - https://www.griefshare.org/

American Red Cross Water safety page - https://www.redcross.org/get-help/how-to-prepare-for-emergencies/types-of-emergencies/water-safety.html?srsltid=AfmBOoqkRFh8EmoeRJy7EwclvsSPzEGe_VXYRbBgO2NEGG8vEaHnjCcu

National Weather Service Rip Current Safety page - https://www.weather.gov/mhx/ripcurrentsinfo

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WATCH THIS EPISODE ON YOUTUBE!

Instagram: @docsoutsidethebox

Email: team@drniidarko.com

Twitter: @drniidarko

Merch: https://docs-outside-the-box.creator-spring.com

This episode is sponsored by

Locumstory. Learn how locum tenens helps doctors make more and have the lifestyle they deserve!. Check them out HERE!

SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show!

Nii brings talks to Dr. Rachael Consoli, an OB/GYN who presently is working in a United States military hospital in South Korea and has the unique distinction of having delivered babies on nearly every continent in the world. Listen in as Nii asks Rachael why she chose to follow this less-than-traveled path in medicine.

Things to expect in this episode:

• Dr. Rachael’s journey from EM residency to OB/GYN
• The challenges and rewards of humanitarian and locums work
• Traveling the world and immersing oneself in the local culture
• Saving for retirement and vetting humanitarian organizations
• Her experience serving the people of Utqiagvik, Alaska, the most northern city in the world

WE WANT TO HEAR FROM YOU!!!!
FILL OUT THE DOCS OUTSIDE THE BOX PODCAST SURVEY (in partnership w INCROWD)

INCROWD
MAKE EXTRA MONEY AS A RESIDENT OR ATTENDING - COMPLETE MEDICAL SURVEYS WITH INCROWD

WATCH THIS EPISODE ON YOUTUBE!

Join our community
Text word PODCAST to 833-230-2860

Twitter: @drniidarko
Instagram: @drniidarko
Email: team@drniidarko.com

Podcasting Course: www.docswhopodcast.com
Merch: https://docs-outside-the-box.creator-spring.com

This episode is edited by: Your Podcast Pal


This episode is sponsored by:

Locumstory. Learn how locum tenens helps doctors make more and have the lifestyle they deserve!. Check them out HERE!