📈 Making $500K But Still Not Financially Free? | Mike Milligan

🚨 DISCLAIMER: This content is for educational purposes only and should not be considered investment advice. The results discussed have not been independently vetted, and any claims made by the guest have not been verified. The views expressed by the guest do not necessarily reflect those of the host or this show. 💰 Financial freedom for high-income professionals requires more than earning a large salary—it requires knowing how to turn income into wealth, flexibility, and control over your life. In this episode of the Financial Freedom Podcast, we sit down with Mike Milligan, founder of One Oak Financial and author of The One-of-a-Kind Financial Plan and Retirement Déjà Vu, to explore why physicians, attorneys, executives, entrepreneurs, and other high earners can make $300K, $500K, or more and still feel financially trapped. Mike calls one of the biggest hidden obstacles the “paralysis penalty”: the cost of financial indecision. Fear, uncertainty, and information overload can cause people to leave substantial amounts of money sitting in cash or high-yield savings accounts instead of assigning that capital a long-term purpose. We discuss financial planning for high-income professionals, wealth building for high-income earners, tax planning for high-income earners, and why earning more money does not automatically create financial freedom. Mike explains: 📈 How financial paralysis can cost hundreds of thousands of dollars over time 🏦 The hidden opportunity cost of keeping too much money in cash 🔥 Why inflation and taxes create an investment “hurdle rate” 💳 Why high earners often live according to gross income instead of net income 🧾 Why tax planning should be part of your overall wealth strategy 📱 How social media fuels a dangerous “get rich quick” mentality 🌎 Why accumulating wealth and designing freedom are not the same thing The conversation ultimately shifts to a bigger question: 🔥 Are you accumulating money—or designing freedom? Mike challenges the traditional formula of working for decades, saving aggressively, retiring, and only then beginning to enjoy life. Instead, he argues that money should be a tool that creates freedom over your time, location, career, and life choices. Near the end of the episode, Mike shares three decisions that may determine whether you feel wealthy 15 years from now: 1️⃣ Define your vision 2️⃣ Invest in that vision 3️⃣ Commit to that vision He also introduces his CHI framework: 🤝 Community ❤️ Health 🌎 Impact Whether you're a physician, attorney, entrepreneur, executive, or business owner wondering how to build wealth with a high income, overcome financial indecision, invest more intentionally, or achieve genuine financial independence, this episode offers a different framework for thinking about money. Your financial plan shouldn't simply help you accumulate more. It should help you build the life you actually want. 🚀 ⏱️ CHAPTERS 00:00 ⚠️ Disclaimer 00:20 💰 What Is Financial Indecision Costing You? 01:55 🎙️ Meet Mike Milligan 03:45 🧠 The “Paralysis Penalty” 05:50 💵 What $250K in Cash Could Cost You 07:05 📈 Inflation, Taxes & the Hurdle Rate 08:15 🩺 Why High Earners Make Bad Money Decisions 09:35 🧾 Gross Income vs. Net Income 10:15 ⏸️ Mid-Roll 10:35 ⚙️ The Traditional Financial System 11:35 🧾 Tax Planning & Wealth Building 13:10 👨‍👩‍👧 Gen Z, Millennials & Retirement 14:40 📱 The “Get Rich Quick” Problem 15:35 🌎 Accumulating Wealth vs. Designing Freedom 18:00 🎯 3 Decisions That Determine Wealth 18:20 🤝 The CHI Framework 19:20 🔗 Connect With Mike Milligan 20:05 🚀 Outro 21:10 🎬 End Financial Freedom for Physicians, Copyright 2026

• 0:01Speaker 00

  This episode is brought to you by State Farm. Football has a play for just about everything. You can go deep, keep it on the ground, or draw up something nobody sees coming. And whether you want to run a flea flicker or the tush push, you need a plan to fit your unique situation. That's why State Farm takes the time to get to know you so they can help personalize coverage for your life and budget. Now that's a solid game plan. Like a good neighbor, State Farm is there.

• 0:29Speaker 01

  This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now? Then this is a job for Indeed sponsored jobs.

• 1:00Speaker 02

  Low energy, unfocused, foggy? You might be dehydrated. Whether it's hot yoga, over 100 degree weather, or too much sun. Gatorade, with a specialized blend of five electrolytes, was scientifically designed to help move fluids into the body faster for rapid rehydration. Shop now at retailers nationwide. Gatorade hydrates faster than water. Is it in you? Symptoms noted are signs of mild to moderate dehydration. Consult a healthcare professional if symptoms persist.

• 1:29Speaker 03

  When everything feels nonstop, movement becomes the pause. So give Lululemon this holiday season. Smooth seamless running gear builds momentum through every mile.

• 1:41Speaker 03

  Targeted support adds steadiness to every pulse and hold.

• 1:47Speaker 03

  And dynamic stretch expands presence through every pose.

• 1:53Speaker 03

  Give the feeling. Shop in store and on lululemon.com.

• 1:58Speaker 04

  Sam's Club is the club for every holiday club. Guess who's joining the club this season? Walmart Plus. Yep, Sam's Club Plus membership now comes with Walmart Plus at no extra cost. Two memberships, one great price. Just 120 bucks a year can save you time and over $700. Want to get in on the membership duo of the century? Visit sam'sclub.com. Come join us. Sam's Club.

• 2:19Speaker 05

  Annual plan only, auto renews, T and C apply. Estimate based on average combined Walmart Plus and Sam's Club Plus savings among members of both for one plus year versus non-member or club member pricing slash fees. Excludes membership fees. See Walmart Plus terms and Sam's Club terms for more info.

• 2:29Speaker 06

  Before we begin, quick disclaimer. Nothing in this episode should be considered investment advice. Results discussed have not been independently vetted. Any claims made by the guests have not been verified. The content is for educational purposes only. The views expressed by the guests do not reflect those of the host or the show.

• 2:51Speaker 06

  Before we jump into today's episode, I want you to think about one question. What is financial indecision actually costing you? For a lot of high income professionals, physicians, attorneys, executives, the problem isn't necessarily that we don't make enough money. It's that we work incredibly hard to earn it and then become so afraid of making the wrong financial decision that we sometimes make no decision at all. My guest today, Mike Milligan, calls this the paralysis penalty. The hidden cost of allowing money to sit on the sidelines because we don't know what to do next. And when you compound that decision over 10, 15, 20 years, that penalty can potentially add up to hundreds of thousands of dollars. But this conversation goes much deeper than investment returns.

• 3:34Speaker 06

  We talk about why people earning 300, 500K or more can still feel financially trapped. Why taxes may be one of the most overlooked components of wealth building. Why high income professionals sometimes build their lifestyles around their gross income instead of their net income. And why the traditional idea of working for decades, accumulating as much as possible, and finally enjoying life in retirement may deserve to be questioned. Ultimately, Mike makes an important distinction. Wealth isn't simply about how much money you accumulate. It's about how much freedom that money creates. Freedom over your time, where you live, over the work you choose to do, and freedom from other people's expectations. As you listen to this episode, ask yourself,

• 4:18Speaker 06

  is your financial plan helping you accumulate more? Or is it actually helping you build the life you want? Here's my conversation with Mike Milligan. Hey guys, welcome to another episode of the Financial Freedom Podcast. I have Mike Milligan here. He's here to talk about financial freedom. He's calling in from San Juan, Puerto Rico. Really happy to have him on. Mike, welcome.

• 4:39Speaker 07

  It's great to be here. I'm the founder of One Oak Financial. One Oak Financial is a modern financial planning firm located in Norfolk, Virginia, with people all around the United States, stretching from me in Puerto Rico all the way to Hawaii. We build the one of a kind financial plan for your one of a kind life. I wrote the book called The One of a Kind Financial Plan. One Oak Financial, One Oak stands for one of kind also, is there to execute on that vision from that book.

• 5:06Speaker 06

  How did you go from doing what you're doing to building one of a kind?

• 5:11Speaker 07

  My journey is well documented on YouTube and through other podcast experiences. I am originally from a small town in North Carolina. When I was a young teenager, my grandmother had to become an entrepreneur out of desperation. She innovated through desperation, which because the love of her life, Walter, got sick and eventually passed away a couple of years later. She started selling collard sandwiches to her neighbors, friends, and people in the community. And I was there with her to help sell those. I would count the money. We would sell them at different places. It led me to love money, not in a bad way, but just what money allowed people to do. Eventually went to college, worked in major banks,

• 5:54Speaker 07

  worked on Wall Street, worked in insurance companies. And then made the bold decision 15 years ago to go independent, where I build my own company and do things the way I feel like my grandmother would have. With love and with compassion, putting people first. If you do enough good things for enough people, you'll have everything you ever want. And that's what we do at One Oak Financial.

• 6:21Speaker 00

  This episode is brought to you by State Farm. Football has a play for just about everything. You can go deep, keep it on the ground, or draw up something nobody sees coming. And whether you want to run a flea flicker or the tush push, you need a plan to fit your unique situation. That's why State Farm takes the time to get to know you so they can help personalize coverage for your life and budget. Now that's a solid game plan. Like a good neighbor, State Farm is there.

• 6:49Speaker 01

  This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now? Then this is a job for Indeed sponsored jobs.

• 7:19Speaker 02

  Low energy, unfocused, foggy? You might be dehydrated. Gatorade Zero powders have been scientifically designed to help improve hydration balance in the body with a clinically proven electrolyte blend and no artificial colors or flavors. Great tasting hydration, no matter where you're going. Shop now online or at retailers nationwide. Gatorade hydrates better than water. Is it in you? Symptoms noted are signs of mild to moderate dehydration. Consult a healthcare professional if symptoms persist.

• 7:48Speaker 03

  When everything feels nonstop, movement becomes the pause. So give Lululemon this holiday season. Smooth seamless running gear builds momentum through every mile.

• 8:01Speaker 03

  Comfortable workout styles clear the way for locked in focus. And dynamic stretch expands presence through every pose.

• 8:13Speaker 03

  Give the feeling. Shop in store and on lululemon.com.

• 8:18Speaker 04

  Sam's Club is the club for every holiday club. Guess who's joining the club this season? Walmart Plus. Yep, Sam's Club Plus membership now comes with Walmart Plus at no extra cost. Two memberships, one great price. Just 120 bucks a year can save you time and over $700. Want to get in on the membership duo of the century? Visit sam'sclub.com. Come join us. Sam's Club.

• 8:39Speaker 05

  Annual plan only, auto renews, T and C apply. Estimate based on average combined Walmart Plus and Sam's Club Plus savings among members of both for one plus year versus non-member or club member pricing slash fees. Excludes membership fees. See Walmart Plus terms and Sam's Club terms for more info.

• 8:49Speaker 06

  Do you have this concept called the paralysis penalty? A lot of financial planners talk about strategies, financial planning tips, but what is the paralysis penalty? And how does it apply to what you do with your clients?

• 9:03Speaker 07

  Paralysis penalty is what I talk about in my second book called Retirement Déjà Vu. The paralysis penalty is what people pay for not making decisions. A lot of people will put money in a bank account because they'll say it's safe, or they'll put it in a high yield savings account. Ultimately, the winner in a high yield savings account or a savings account is the bank where you put the money. It's called their spread, their net interest income spread. And most of the time, they're making more money than what they're paying you. Recently Goldman Sachs, JP Morgan, Bank of America, Wells Fargo, they all reported their earnings. And they all said that there's a common theme. We made more money this quarter than we've ever made before.

• 9:48Speaker 07

  How are they doing that? It's because they're using money from other people to make money for their shareholders, their executive management, their board of directors. The paralysis penalty. Is what we pay for not knowing how to act, how to participate in this current economy. We're in one of the greatest bull markets we've ever seen, where the stock market keeps going. There's new asset classes that seem to pop up every day. The AI investing, structured notes, private credit, all these other deals. People get confused because they don't know what any of that means. And because they get confused, they go to safety.

• 10:31Speaker 07

  And when they go to safety, they pay the paralysis penalty. They're numb to what they should do. And then they get penalized. Their money doesn't grow like it should, or like they need it to.

• 10:43Speaker 06

  To quantify the paralysis penalty, Dr. Lucinda is making 500K plus a year. What can financial paralysis cost over 10 to 20 years?

• 10:52Speaker 07

  I'm going to give you this example from the compound interest calculator at investor.gov. Let's say you have 250,000 setting it up a high yield savings account. And if you were going to leave that money there for 20 years, the best high yield saver right now is getting maybe 4% on that money. And so in 20 years, if that rate stayed constant, 250,000 would be worth $47,780. $547,780, about $300,000 of growth in 20 years.

• 11:30Speaker 07

  But if instead you took an investment option, then instead of earning four, earned 8% over that same 20 years? It's not $547,000 you have. It's $1,167,000. The difference is $518,000 of investments versus being paralyzed versus assigning your money a job for long-term growth.

• 11:59Speaker 06

  A lot of my physician colleagues, I just, sometimes I have to keep my mouth shut because we just come from different ways of viewing money. And a lot of them view money as you described. They're like, yeah, I put a hundred K in high yield savings. I'm getting 4,000 a year. Talk about the hitting cost because 4% is actually nothing because you have inflation, you have debt, you have taxes. Talk about the hurdle rate of returns in order to actually make a profit.

• 12:24Speaker 07

  The hurdle rate right there is something that most people just don't get. The hurdle rate is what we use in slang is saying what you get has got to cover your cost. What hurdle do you have to get over? Right now with inflation running at 3. whatever, let's say the consumer price index inflation is at three and a half. Then you're a physician and let's say you're in the 32% tax bracket and you're making half a million dollars a year. That means that the hurdle is you have to cover inflation and you have to cover the tax on the investments that you have. And so the hurdle rate is probably something around five or five and a quarter before they even keep pace with the future purchasing power of their money.

• 13:09Speaker 06

  It's good to put that into perspective because with 100K, you could invest it in real estate. You could put it into an index fund. The problem is a lot of doctors and lawyers, they're high income. But I read a study from Goldman Sachs saying 40% of people making over 300K are still living paycheck to paycheck. Why do smart, high income people still make bad financial decisions?

• 13:31Speaker 07

  Having a high cost of living is not necessarily a bad financial decision. It's just poor money management because a lot of times you are paying for things. Attorneys, lawyers, high income earners in general are very busy people, just very busy. And they, what they're looking for, they use their money for convenience, but they don't always use that convenience. So like, for instance, you may have a high income earner that is paying three grand a month to have a food service delivered to their house, yet they're still going out to eat four days a week. There's just this convenience factor of what money can allow you to do. There's choices, there's always choice A or B.

• 14:14Speaker 07

  There's a great podcast out there that you could have anything, you just can't have everything. And what happens was with high income earners, they get pulled in to this idea that money buys convenience and buys back your time. But then that convenience that they've purchased, they don't always use it. And then the second piece that causes high income earners, the financial freedom that they really need is they just don't understand taxes. There's a lack of true financial concepts about what their tax rate is. They'll say, I make $500,000 a year and that's over $40,000 a month. But what they don't realize is the net of that is probably only 20. And if you're in New York state or California, it's probably only 18.

• 14:58Speaker 07

  And so what they do is they live up to the gross number, not down to the net number. And that just comes from lack of financial understanding.

• 15:07Speaker 06

  Quick pause here. If this episode is making you rethink how your income is structured, that's intentional. Information doesn't create freedom, structure does. At the end of this episode, I'm going to show you how to diagnose whether you're building leverage or just scaling complexity. Let's get back into it. You worked on the inside. The more I study and talk to people like yourself, it's more like there's this system. You go to school, you get good grades, you get into the corporate cog wheel. You have a advisor insurance bank. You need your job to fuel that. You have built something where you are in Puerto Rico, you have lifestyle freedom. What is the problem with modern day marketing, this dream where you have to check off all the boxes? And that's financial freedom.

• 15:53Speaker 07

  It's part of our lifestyle. We've been programmed to live on the assembly line. Going back to when Henry Ford created the Model T, so everybody can have a car. To when Ray Kroc got McDonald's from one or two stores in California to a national brand. Those kind of one size fits all, whether it's everybody having a car, everybody having the same sandwich, the same way. It drives us to live this life where we all feel like we have to have a house by a certain age. We have to have a certain number of kids that we have to conform to a system. I don't think our financial system is broken. I think our financial system is the strongest, healthiest it's ever been. I just don't think people know how to navigate well.

• 16:36Speaker 07

  I don't think people know how to use the tools that are out there. The biggest expense we ever have in our life is taxes. Yet people treat the tax code like a bill that you pay next year. They don't treat it like the planning tool that it is. The tax code is there so that if you own a business, if you're a doctor, if you're a physician and you own your business, your car can be fully tax deductible. You could have meetings in your home where you get tax free income out of your business, where you could set up pension plans for yourself for split dollar arrangements. Some of the most successful medical people that I know in Puerto Rico are radiologists. Radiologists who have moved from the States to Puerto Rico.

• 17:20Speaker 07

  They're still doing reads of people that are getting sonograms and X-rays in Nashville, Tennessee, and Austin, Texas, and New York City. They're doing it here, though. They're doing it for a huge tax advantage. If you realize that taxes are the biggest expense you're ever going to pay in your life and there's a system that's out there that you can participate in to lower your taxes. Then you start thinking like, you really start thinking like, I actually can navigate this system. I can live the life that I want to live. I can keep more of my money for myself. That's what we call the one of a kind financial plan. It's understanding, it's building a purpose for your money. It's building a vision for your life, then it's building a plan that matches that.

• 18:02Speaker 06

  Statistic was that it's harder and harder for people to retire, especially given the internet, I, social media. How does the younger generation view money differently? I assume you're a Gen X, I'm Gen X millennial, but how are they viewing money in terms of finances, planning, retirement? Cause I looked forward and I see Gen Z, I'm like, man, if they keep listening to what's on the news and media, they're going to be in trouble. What's the difference?

• 18:26Speaker 07

  The patterns that I see is we have 162 trillion, the number varies depending on what study you look to. We have 162 trillion dollars of money that's going to pass from generation to generation over the next, by the year 2046. It's a lot of money that's going to be inherited by the next generation. But the patterns that we see coming through Gen X, Gen Z, those generations are getting in debt faster than any generation ever has in the history. And they're having to overcome that. Even millennials have been forced by financial reasons, by a changing job market to buy homes, have kids, get married later. That's going to impact X, Z tremendously also.

• 19:10Speaker 07

  So the bookends of that, the baby boomers who have saved all this money, which is going to go to the next generation are basically going to bail out through the inheritance, these generations. But then it's like, where does it go from there? Because the social security system is broken for Gen Z'ers, it probably will not be around for them. The traditional pension plan that many baby boomers and the generation before that had, they're basically going to be gone. We're going to have almost a whole new economic system, but the goal shouldn't be make all my money in cryptocurrency. It shouldn't be chase this AI stock.

• 19:50Speaker 07

  The same premise of getting rich slow by putting money aside every month will still work. But you just have to be patient. And that's what social media has done is it's taken patience out of the equation for wealth building. And it's turned into let's get rich fast. And that's why people are struggling more and more because they're not doing the small habits. They're not living below their means. They're not living on a budget. They're going from gig job to gig job or job to job with no financial plan going to the next generation. I don't blame people for that. This is more of a societal issue that we have come to in America.

• 20:30Speaker 06

  We talked about the old system and at what point should someone transition from accumulating wealth to designing freedom?

• 20:39Speaker 07

  As soon as possible, I'm going to break some news here on the podcast today. You are going to die. Every single one of us will die, will pass away. We don't know when that is. We don't know if it's going to be 52 or 57 or 41 or 93. We do know that every generation tends to live a little bit longer. But this whole idea of retirement and freedom is I don't think we'll be talking about retirement the same way 30 years from now that we talk about it now. I think we'll be talking about it more in terms of freedom. Am I free to move? Am I free to go to Puerto Rico and operate a business? Am I free to go to Portugal or Ecuador or Peru or Spain? Am I free to go out and explore?

• 21:22Speaker 07

  Instead of working for somebody for 40 hours a week, can I work remotely for 10 hours a week? And still have the life that I want? Can I live in Thailand and work in Canada? Right? This is what I believe, that's why I believe the world is changing to. If we don't embrace that, move toward that freedom. So I broke the news about everybody's going to die one day. The other thing I will tell you guys is, and this is from experience too. Your twenties or thirties, you have the most energy. You have the most athletic ability. You have the ability to go that you do in your 50s, 60s, 70s and 80s.

• 22:02Speaker 07

  That is the time you should be hiking Machu Picchu, going to Patagonia, going to the Dolomites. If you're crazy enough to go hike the base camp of Everest, go do it. Because it will not get easier. You cannot wait until you've accumulated a certain amount of money. That's what fidelity, Charles Schwab, Vanguard and T. Rowe Price, that's what they want you to do. They want you to accumulate money first and then go do that. Why do they want you to accumulate money? Because they make money. That's how they pay their employees. That's how they create record profits. But we have to get to a world where money is just a tool. We use a hammer to drive nails into a wall. We don't use a hammer to write letters. Hammer is a tool.

• 22:47Speaker 07

  We have to view money that way. Money is a tool that allows us to go out and live our truly unique life. And for me, I want people to live a one of a kind life.

• 22:56Speaker 06

  What are three decisions most likely to determine whether someone's wealthy 15 years from now?

• 23:02Speaker 07

  Three decisions determine if you're wealthy 15 years from now is you have to think about what you want your life to be like, understanding there's no guarantees in life. Number one, create a vision for yourself. I have a framework for creating a vision. It's called Retirement CHI, C-H-I, how to create peace, inner peace in retirement, how to create peace in your life. He stands for community, health and impact. Create a vision for what you want your community to be like, how you're going to take care of yourself, your health, and what impact are you going to leave on the earth? Number one, build the vision. Number two is invest in that vision. The investment can look like an investment of time, an investment of energy, but you probably have to invest money into that also, to be perfectly honest. Build your vision, invest in that vision.

• 23:45Speaker 07

  And number three, you have to commit to it. If you really want to be wealthy, go back to 2010. If somebody said they had a million dollars, right? They would be like, wow, that person's really wealthy. You say 2026, somebody has a million dollars, you think, oh, that's not a lot of money these days. I don't think the whole concept of wealthy is, to me, it's about being free. It's about being free from somebody else's expectations of you. To find your vision, invest in that vision and then commit to that vision, you can truly become wealthy.

• 24:20Speaker 06

  How can people connect and learn more from you?

• 24:22Speaker 07

  If you want to have a conversation, the easiest way is to search for me, author, Mike Milligan, the name of the book, One of a Kind Financial Plan or Retirement Déjà Vu. If you want to learn a little bit, my personal philosophy is to educate, coach, plan. I teach at a university in Virginia called Old Dominion University. I teach personal financial planning. That class is for adult learners, people that want to be able to negotiate better, to understand concepts, and then coach other advisors. I want to help advisors be better at their job. One of financial, we build the one of a kind financial plan for your one of a kind life. To connect with me, go to my website.

• 25:01Speaker 00

  This episode is brought to you by State Farm. Football has a play for just about everything. You can go deep, keep it on the ground, or draw up something nobody sees coming. And whether you want to run a flea flicker or the tush push, you need a plan to fit your unique situation. That's why State Farm takes the time to get to know you so they can help personalize coverage for your life and budget. Now that's a solid game plan. Like a good neighbor, State Farm is there.

• 25:29Speaker 01

  This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now, then this is a job for Indeed sponsored jobs.

• 26:00Speaker 02

  Low energy, unfocused, foggy, you might be dehydrated. Gatorade Zero powders have been scientifically designed to help improve hydration balance in the body with a clinically proven electrolyte blend and no artificial colors or flavors. Great tasting hydration, no matter where you're going. Shop now online or at retailers nationwide. Gatorade hydrates better than water. Is it in you? Symptoms noted are signs of mild to moderate dehydration. Consult a healthcare professional if symptoms persist.

• 26:29Speaker 03

  When everything feels nonstop, movement becomes the pause. So give Lululemon this holiday season. Smooth, seamless running gear builds momentum through every mile.

• 26:42Speaker 03

  Comfortable workout styles clear the way for locked in focus. And dynamic stretch expands presence through every pose.

• 26:53Speaker 03

  Give the feeling. Shop in store and on lululemon.com.

• 26:59Speaker 04

  Sam's Club is the club for every holiday club. Guess who's joining the club this season? Walmart Plus. Yep. Sam's Club Plus membership now comes with Walmart Plus at no extra cost. Two memberships, one great price. Just 120 bucks a year can save you time and over $700. Want to get in on the membership duo of the century? Visit sam'sclub.com. Come join us. Sam's Club.

• 27:19Speaker 05

  Annual plan only, auto renews, T and C apply. Estimate based on average combined Walmart Plus and Sam's Club Plus savings among members of both for one plus year versus non-member or club member pricing slash fees. Excludes membership fees. See Walmart Plus terms and Sam's Club terms for more info.

• 27:29Speaker 06

  Excellent. Thanks so much for coming on and I really enjoyed talking with you. Let's zoom out. If you're a physician, founder, or high income professional, and you feel like you're working harder every year, but not structurally freer, you're not alone. The mistake is an effort. It's architecture. This show exists to help you convert expertise into scalable leverage faster and with fewer expensive missteps. Here's the diagnostic I mentioned before. If your income requires your constant presence, if your capital isn't compounding outside your profession, if your highest value talent is doing low value tasks, you don't have a growth problem, you have a leverage design problem. And if you want to fix it with clarity instead of guesswork, I offer a limited number of

• 28:13Speaker 06

  one-on-one leverage strategy sessions each month. We audit your income model, capital deployment, authority positioning, and structural bottlenecks, and design your highest return move. If you're serious about compressing years into months, the link to apply is below.

• 28:38Speaker 00

  This episode is brought to you by State Farm. Football has a play for just about everything. You can go deep, keep it on the ground, or draw up something nobody sees coming. And whether you want to run a flea flicker or the tush push, you need a plan to fit your unique situation. That's why State Farm takes the time to get to know you so they can help personalize coverage for your life and budget. Now that's a solid game plan. Like a good neighbor, State Farm is there.

• 29:06Speaker 03

  When everything feels nonstop, movement becomes the pause. So give Lululemon this holiday season. Smooth, seamless running gear builds momentum through every mile.

• 29:19Speaker 03

  Targeted support adds steadiness to every pulse and hold.

• 29:24Speaker 03

  And dynamic stretch expands presence through every pose.

• 29:31Speaker 03

  Give the feeling. Shop in store and on lululemon.com.

• 29:36Speaker 04

  Sam's Club is the club for every holiday club. Guess who's joining the club this season? Walmart Plus. Yep. Sam's Club Plus membership now comes with Walmart Plus at no extra cost. Two memberships, one great price. Just 120 bucks a year can save you time and over $700. Want to get in on the membership duo of the century? Visit sam'sclub.com. Come join us. Sam's Club.

• 29:57Speaker 05

  Annual plan only, auto renews, T and C apply. Estimate based on average combined Walmart Plus and Sam's Club Plus savings among members of both for one plus year versus non-member or club member pricing slash fees. Excludes membership fees. See Walmart Plus terms and Sam's Club terms for more info. When you shop pickup at Kroger, you can expect the savings you love and fresh groceries selected just for you. Our associates are committed to getting every detail right, carefully handpicking your items, checking for quality and freshness, and packing your order with care. Because bringing you fresh, quality groceries is what we do best. And right now, enjoy $20 off your first online order of $75 or more. Restrictions apply. See site for details. Kroger, fresh for everyone.