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PODCAST

Your Financial Pharmacist

Tim Ulbrich and Tim Baker

The Your Financial Pharmacist Podcast is designed to empower pharmacy professionals to take control of their personal finances. Disclaimer: The information on this website is provided to you for your informational purposes only and is not intended to provide, and should not be relied on for, investment or any other advice. For more information, visit https://yourfinancialpharmacist.com/disclaimer

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All Episodes

22:52

YFP 431: 10 Financial Moves to Make Before 2026

Your Financial Pharmacist ·

2025/12/18

Tim Ulbrich, PharmD covers 10 practical year-end financial moves to reduce tax burden, build clarity, and start 2026 with confidence—plus a bonus step most people overlook. Episode Summary As 2025 winds down, it's tempting to push financial decisions into January. But some of the most impactful moves you can make happen before the calendar turns. In this episode, YFP Co-Founder & CEO Tim Ulbrich, PharmD walks through 10 practical, foundational financial moves to make before 2026 to help you reduce

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50:30

YFP 430: Navigating Financial Windfalls: Planning for...

Your Financial Pharmacist ·

2025/12/04

Tim & Tim discuss how to handle a windfall or inheritance with clarity emotionally, financially, and strategically during the biggest wealth transfer in U.S. history. This episode is brought to you by the American Pharmacists Association (APhA). Episode Summary Handling a windfall or inheritance isn't just about the money—it's an emotional, relational, and identity-level shift. Whether it's an inheritance, equity payout, stock options vesting, or another financial surprise, the "right" next step can

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59:53

YFP 429: How This Pharmacist Saved 50% of His Income...

Your Financial Pharmacist ·

2025/11/20

Pharmacist and entrepreneur Peyton Gilbert shares how intentional living, saving 50% of income, and family business ownership created flexibility and freedom. Episode Summary In this episode of the YFP Podcast, Tim Ulbrich sits down with Dr. Peyton Gilbert—a pharmacist, entrepreneur, and small-business owner whose story is a masterclass in intentional living. Peyton shares how he and his wife saved and invested over 50% of their income early in their careers, the mindset shift that allowed them to

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42:43

YFP 428: Pay Off the Mortgage Early or Invest?

Your Financial Pharmacist ·

2025/11/06

Tim & Tim discuss whether to pay off your mortgage early or invest, breaking down math, mindset, and goals for 2025's financial landscape. This episode is brought to you by First Horizon. Episode Summary In this episode of the YFP podcast, co-hosts Tim Ulbrich, PharmD, and Tim Baker, CFP®, RICP®, RLP® revisit the frequently asked question: 'Should I pay off my mortgage early or invest the difference?' They discuss how the changing financial landscape, including rising interest rates, market

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48:23

YFP 427: Passive vs Active Investing: Is the Debate...

Your Financial Pharmacist ·

2025/10/31

Tim & Tim unpack passive vs. active investing, fees, behavior, and why YFP takes an "actively passive" approach to help pharmacists reach goals. Episode Summary In this episode of the YFP podcast, co-hosts Tim Ulbrich, PharmD and Tim Baker, CFP®, RICP®, RLP® dive into the ongoing debate of passive versus active investing. They break down the definitions of each strategy, discuss where each might fit into a pharmacist's financial plan, and analyze the impact of fees and behavioral factors. Drawing

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11:51

YFP 426: Income Is a Vanity Metric: Here’s What...

Your Financial Pharmacist ·

2025/10/16

Are you measuring your financial success by the wrong metric? In this episode, Tim Ulbrich, PharmD, dives into why income can be misleading and why net worth is the true measure of financial progress. This episode is brought to you by First Horizon. Episode Summary Are you measuring your financial success by income alone? In this episode, Tim Ulbrich shares the wake-up call that changed everything for him: despite earning a six-figure pharmacist salary, his net worth was negative $225,000. Tim dives

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50:21

YFP 425: Beyond the Numbers: Life Planning for...

Your Financial Pharmacist ·

2025/10/09

Retirement isn’t just about the numbers. Tim Ulbrich, PharmD and Tim Baker, CFP® and Registered Life Planner, explore how life planning can help you design a retirement filled with purpose, meaning, and fulfillment, not just financial security. Episode Summary When it comes to preparing for retirement, most conversations focus on the financial side—things like income planning, Social Security timing, withdrawal strategies, and tax-efficient investing. But true retirement readiness goes beyond the

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14:43

YFP 424: Can a Pharmacist Save $1 Million by 40?

Your Financial Pharmacist ·

2025/10/02

Is it possible for a pharmacist to save $1M by 40? In this episode, we break down the math, explore money mindsets, and share my journey from –$225K in debt after residency to reaching millionaire status with practical strategies to build wealth. Episode Summary In this episode, we tackle one of the most common (and debated) money questions: Is it realistic for a pharmacist to reach $1 million by age 40? YFP Co-Founder & CEO, Tim Ulbrich, PharmD breaks down the math, explores the mindset shifts that

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12:21

YFP 423: Creating a Floor to Take Financial Risk

Your Financial Pharmacist ·

2025/09/25

Taking risks with your money, career, or life goals isn’t easy, especially if you don’t feel secure. In this episode, Tim Ulbrich, PharmD, explores how to build both the financial and emotional foundation you need to step out of survival mode and start taking calculated risks with confidence. Episode Summary Without security, it can be difficult to take risks. In this episode, YFP Co-Founder & CEO, Tim Ulbrich, PharmD, shares how to build the financial and emotional foundation you need to move past

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42:45

YFP 422: Common HSA Mistakes and How to Avoid Them

Your Financial Pharmacist ·

2025/09/11

Health Savings Accounts (HSAs) are a modest but mighty tool for healthcare and retirement planning with a rare triple-tax advantage. Tim Ulbrich and Tim Baker share 2025 limits, key benefits, and common mistakes pharmacists make. This episode is brought to you by First Horizon. Mentioned on the Show First Horizon’s Pharmacist Home Loan YFP Blog: Why I’m Not Using My Health Savings Account to Pay for Medical Expenses YFP 165: The power of a Health Savings Account Reference: Investment News

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41:06

YFP 421: Whole Life Insurance: Do You Need It?

Your Financial Pharmacist ·

2025/09/04

Tim Ulbrich and Tim Baker tackle one of the most common questions we hear from pharmacists: “Do I need this whole life insurance policy?” They dive into who needs coverage, common misconceptions, and why the “buy term and invest the difference” strategy may be the smarter approach. Episode Summary YFP Co-Founder & CEO, Tim Ulbrich, PharmD, and YFP Co-Founder & COO, Tim Baker, CFP®, RLP®, RICP®, tackle one of the most common questions we hear from pharmacists: “Do I need this whole life insurance

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15:31

YFP 420: How to Ask for and Get a Raise

Your Financial Pharmacist ·

2025/08/28

Asking for and getting a raise can make a significant difference in your financial plan for years to come. In this episode, Tim Ulbrich walks through a five-step playbook with practical tips and strategies to help you confidently ask for and get the raise you deserve. Episode Summary Asking for and getting a raise can make a massive difference in your financial plan, not just today, but for years and even decades to come. For many pharmacists, the thought of walking into their boss’s office and

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45:14

YFP 419: Shaping the Future of Pharmacy: Meet the...

Your Financial Pharmacist ·

2025/08/21

In this special episode, Tim Ulbrich introduces the winners of the YFP Gives scholarship. Deja Preusser, Zipporah Williams, Michaela Martin-Worley, Julia Miller, and Mildred Asamoah share their inspiring stories, showcasing the drive, resilience, and vision of the next generation of pharmacy leaders. Episode Summary YFP Co-Founder & CEO, Tim Ulbrich, PharmD introduces the five recipients of the 2025 YFP Gives Scholarship. These inspiring stories reflect the passion, perseverance, and leadership of

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40:32

YFP 418: Homebuying Isn’t Out of Reach: A...

Your Financial Pharmacist ·

2025/08/14

Buying a home can feel overwhelming, especially for pharmacists facing student loans, rising rents, and high interest rates. Tony Umholtz, mortgage loan officer at First Horizon, shares a realistic path to homeownership, even in today’s challenging real estate environment. This episode is brought to you by First Horizon. Episode Summary Buying a home as a first-time buyer in today’s market can feel overwhelming, especially for pharmacists juggling student loans, high rents, and rising interest

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35:28

YFP 417: From Coast FI to Living Fully: Cory & Cassie...

Your Financial Pharmacist ·

2025/08/07

Cory & Cassie Jenks return 5 years after first sharing their Coast FI journey. Tim Ulbrich talks with them about career shifts, family life, and how they’re balancing financial freedom with living fully while raising three kids under six. Episode Summary In early 2020, pharmacists Cory and Cassie Jenks shared their inspiring journey toward Coast FI on Episode 134 of the YFP Podcast, explaining how they front-loaded their retirement savings to create more flexibility, time freedom, and intentional

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33:31

YFP 416: Student Loan Changes: Key Takeaways from the...

Your Financial Pharmacist ·

2025/07/31

Tim Ulbrich, PharmD, breaks down student loan updates from the Big Beautiful Bill, including key changes, how we got here, and what it means for your repayment strategy. Episode Summary In this episode, YFP Co-Founder & CEO, Tim Ulbrich, PharmD breaks down recent student loan updates stemming from the newly passed Big Beautiful Bill. With so many repayment options, formulas, and acronyms flying around, it’s more confusing than ever for borrowers to make confident decisions. Tim walks through: ✅ Key

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49:30

YFP 415: Breaking Through Burnout, Self-Limiting...

Your Financial Pharmacist ·

2025/07/24

Jackie Boyle returns nearly two years after paying off $200K+ in student loans to share how that milestone shaped her growth. Jackie also discusses mindset shifts, burnout in pharmacy, and her mission to help ambitious women reconnect with their purpose and potential. Episode Summary In this episode, Jackie Boyle, PharmD, returns to the YFP Podcast to share what’s happened in the nearly two years since she and her husband paid off over $200,000 in student loans. Jackie and Tim Ulbrich dive into the

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36:21

YFP REI 135: How Volatile Is Real Estate Investing?

Your Financial Pharmacist ·

2025/07/17

Pharmacists and real estate investors Nate Hedrick and David Bright explore today’s shifting housing market and ask: Is real estate investing less volatile than the stock market? Episode Summary In this episode, pharmacists and real estate investors Nate Hedrick and David Bright break down what they’re seeing in today’s real estate market, from inconsistent pricing strategies to shifting buyer and seller behavior, and explore the bigger question: Is real estate investing less volatile than the

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13:08

YFP 414: Ask YFP: When Should I Contribute to Roth...

Your Financial Pharmacist ·

2025/07/10

Wondering whether to contribute to a Roth or Traditional retirement account? Tim Ulbrich and Tim Baker break down key factors like tax brackets, Roth 401(k) access, and long-term planning tips to help you decide. Episode Summary One of the most common questions we get is: Should I contribute to a Roth or Traditional retirement account? In this episode, YFP Co-Founder & CEO, Tim Ulbrich, PharmD, and YFP Co-Founder & COO, Tim Baker, CFP®, RLP®, RICP®, break down the key factors to consider when

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48:52

YFP 413: 7 Key Financial Considerations During a Job...

Your Financial Pharmacist ·

2025/07/03

Thinking about changing jobs or just got promoted? In this episode, Tim and Tim cover 7 key financial considerations, from negotiating offers to managing benefits, to help you navigate the transition with clarity and confidence. Episode Summary If you recently changed jobs or just landed a promotion, congratulations! A new opportunity, whether internal or external, often brings exciting possibilities…and important financial decisions. In this episode, 7 Key Financial Considerations During a Job

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121 results

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