In Episode 38 of Doctor’s Wealth and Wellness, Norm Wright kicks off the new twice-weekly format with a focused financial discussion on one of the most overlooked tools in a physician’s wealth-building strategy: the Health Savings Account (HSA). He breaks down how HSAs work, the triple-tax advantages they offer, and why they can be a powerful retirement savings vehicle—not just a way to cover current medical expenses. Norm emphasizes how, when used strategically, an HSA can serve as a “stealth IRA” for high-income earners who may have limited access to other tax-advantaged accounts. This episode delivers clear, practical guidance to help doctors maximize an often underutilized piece of their financial puzzle.

In Episode 37 of Doctor’s Wealth and Wellness, Norm Wright focuses on building resilience through mindfulness—a crucial tool for physicians facing daily stress and emotional fatigue. He defines mindfulness as the simple act of being fully present without judgment and highlights how regular practice can reduce anxiety, improve focus, and build emotional endurance. Norm introduces a practical 3-minute breathing exercise that can be done anytime to calm the nervous system and recharge the mind. He emphasizes that resilience isn’t about pushing through nonstop but about recovering effectively. This episode encourages listeners to embrace mindfulness as a small but powerful habit that supports long-term well-being.

In Episode 36 of Doctor’s Wealth and Wellness, host Norm Wright explores the often-confusing decision between Roth and Traditional retirement accounts—particularly for high-earning physicians. He explains the key differences: Traditional contributions offer tax savings now but are taxed later, while Roth contributions are taxed now but offer tax-free withdrawals in retirement. Norm emphasizes the benefits of Roth 401(k) or 403(b) options—especially since workplace plans have no income limits and can provide crucial tax diversification. He offers a simple decision framework based on career stage and suggests a blended approach for flexibility. This concise episode encourages listeners to review their workplace plans and consult with a financial planner to align their retirement strategy with long-term goals.