Are you a physician thinking about buying a home but tired of the usual “30% of your income” rule? In this episode, we explore how to figure out how much house you can really afford as a doctor, without relying on arbitrary percentages or just what a lender says you can borrow.

We talk about the smarter way to approach physician home buying, including:

· How to calculate the total cost of homeownership, factoring in property taxes, homeowners insurance, and maintenance and not just your mortgage payment.

· Why using a reverse budget helps you align your housing budget with your savings, investments, and long-term financial goals.

· How physician mortgage programs can allow no down payment and no PMI, and what that means for your overall financial plan.

With a step-by-step example, we break down the numbers in a way that’s easy to understand, showing how to make a financially smart home purchase that supports your lifestyle instead of constraining it.

Whether you’re buying your first home as a doctor or upgrading to your next home, this episode gives practical strategies to make a confident, informed decision.

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...

Trump has proposed bringing back ultra-long mortgages — including a 50-year option — as a way to make housing more affordable. But would stretching a loan over half a century really help?

In this episode, we break down the real math behind the idea. You’ll learn why a longer mortgage term might look affordable month to month, but could cost you hundreds of thousands of dollars more over time.

We’ll cover:

· Why home prices have stayed high even after the pandemic

· How interest rates and inflation affect both buyers and sellers

· The difference between a 15-, 30-, and potential 50-year mortgage

· What history teaches us from the failed 40-year mortgage experiment

· Why focusing only on monthly payments can be a dangerous trap

If you’ve been wondering whether a 50-year mortgage could help you buy a home — or just keep you in debt longer — this episode will help you see the full picture.

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...

As the year ends, take a moment to pause and reflect. Instead of chasing resolutions, what if you designed a year that feels truly wealthy — rich in meaning, freedom, and joy? In this episode, learn how to align your money, time, and energy with what matters most, set financial intentions instead of goals, and take small, intentional steps toward your ideal life.

In this episode, you’ll learn:

· How to reflect on what worked and what didn’t this past year

· Why acknowledging your wins builds confidence and clarity

· How to define what a truly wealthy year means to you

· The difference between a financial goal and a financial intention

· How to use money as a tool to create more freedom and purpose

· Simple, sustainable steps to start living your vision now

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...

This Christmas Eve episode invites you to slow down and reflect on one of the biggest myths we tell ourselves — the myth of more time.

As physicians, we often believe that at some point in the future, life will finally calm down. We’ll have better systems, more support, and more space to breathe. But the truth is, time doesn’t just appear — we have to choose to make it.

In this episode, we’ll explore:

• Why physicians fall into the trap of believing “things will slow down later”
• How every “yes” to one more shift or task is also a trade of your life energy
• The difference between financial freedom and time freedom
• How money can be used as a tool to buy back time and reduce stress
• What it really means to have enough — not just financially, but emotionally and spiritually

This episode is a gentle reminder that financial freedom isn’t just about reaching a number — it’s about having the ability to live life on your own terms. And that the true wealth we’re all seeking might not be in our bank accounts, but in the moments we’re fully present.

As you celebrate the holidays, take a moment to ask yourself:

What are you postponing for “later”?

And what would it look like to start living that “someday” life — today?

Listen in to rediscover why time, not money, is your most precious resource.

Resources Mentioned:

Your Money or Your Life by Joe Dominguez and Vicki Robin

The Simple Path to Wealth by JL Collins

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...

This is the last episode in the How of Happiness Series that follows the 12 exercises outlined in The How of Happiness by Dr. Sonja Lyubomirsky

This episodes explores how meditation and physical activity can boost happiness and well-being. You’ll learn how meditation trains the mind for calm and awareness, how exercise can be as effective as medication for improving mood, and why both practices strengthen emotional resilience. Discover simple, practical ways to integrate mindfulness and movement into your daily routine to feel more centered, focused, and fulfilled.

Resources Mentioned:

The How of Happiness by Sonja Lyubomirsky

Meditation apps: Headspace, Calm, Insight Timer, Ten Percent Happier

Meditation centers: InsightLA, Spirit Rock, The Mindfulness Center

Studies specifically mentioned:

Kjaer TW, Bertelsen C, Piccini P, Brooks D, Alving J, Lou HC. Increased dopamine tone during meditation-induced change of consciousness. Brain Res Cogn Brain Res. 2002 Apr;13(2):255-9. doi: 10.1016/s0926-6410(01)00106-9. PMID: 11958969.

Blumenthal, J.A., Babyak, M.A., Moore, K.A., Craighead, W.E., Herman, S., Khatri, P., … Krishnan, K.R.R. (1999). Effects of Exercise Training on Older Patients With Major Depression: A Randomized Controlled Trial. Archives of Internal Medicine, 159(19), 2349–2356.

https://jamanetwork.com/journals/jamainternalmedicine/fullarticle/485159

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...

This episode explores different money types—the patterns of beliefs and behaviors that shape how you earn, save, spend, and think about money. Understanding your personal tendencies can help you build a healthier and more balanced financial life.

This episode walks through several common money types—the Compulsive Saver, Compulsive Spender, Worrier, Gambler, Dreamer, Avoider, and Optimizer—and shares how each one shows up in everyday decisions. You’ll learn how these tendencies influence your emotions and relationships with money, and how to find balance between saving for the future and enjoying life now.

In this episode, you’ll learn:

· How your money personality shapes your financial habits and emotional reactions

· The strengths and pitfalls of each money type—from Saver to Optimizer

· Why awareness is the key to changing unhelpful patterns

· How to work through money conflicts with your partner

· Practical ways to create balance and align your financial choices with your values

No money type is “good” or “bad.” Each has strengths and weaknesses. By recognizing your tendencies, you can make more intentional decisions that move you toward financial confidence and fulfillment.

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 should you do when you suddenly come into extra money—like a bonus, inheritance, or settlement? Before you rush to spend it, take a pause. In this episode, we talk about how to make the most of an unexpected windfall so it supports your long-term financial goals instead of disappearing quickly.

You’ll learn:

• Why the first step after receiving a windfall is to do nothing—and where to safely park the money
• Guidelines to help you enjoy the money while also advancing your financial goals
• How to decide between paying down debt or investing
• When it makes sense to fund your emergency savings, retirement accounts, or HSA
• Why building wealth means owning assets, not just being debt-free

Whether your windfall is a few thousand dollars or tens of thousands, this episode will help you make intentional choices that build financial freedom and peace of mind.

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...

Thanksgiving isn’t just about turkey and pumpkin pie — it’s also full of lessons that can help you build a healthier relationship with money.

This episode of The Grow Your Wealthy Mindset Podcast, explores how the traditions and spirit of Thanksgiving reflect key principles of financial wellness. From planning ahead and practicing generosity, to cultivating gratitude and finding balance, you’ll discover how to bring more intention and joy into your financial life.

In This Episode, You’ll Learn:

• How planning ahead for Thanksgiving dinner mirrors effective financial goal-setting.
• Why sharing and generosity — both at the table and with money — create deep emotional rewards.
• What Thanksgiving dinner can teach us about setting healthy boundaries around spending.
• How to incorporate financial gratitude into your money mindset.
• The importance of balance — between saving for the future and enjoying the present.

Happy Thanksgiving!

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...