Mid-career pharmacists face bigger decisions than ever. Learn how to navigate retirement, family priorities, and life’s financial tradeoffs. Episode Summary Many pharmacists enter their 40s and 50s feeling financially stable, but also increasingly stretched. They’re often in their peak earning years, peak spending years, and peak responsibility years all at the same time. In this […]

Pharmacist and entrepreneur Peyton Gilbert shares how intentional living, saving 50% of income, and family business ownership created flexibility and financial 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 […]

Tim & Tim discuss whether to pay off your mortgage early or invest, breaking down math, mindset, and goals for 2025’s financial landscape. 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 […]

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 […]

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 Taking risks with your money, […]

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 […]

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 […]

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? […]

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 […]

Feeling financially stuck despite making a good income? Tim Ulbrich, PharmD, unpacks three common reasons pharmacists hit a financial plateau and how to reframe your thinking about money, income, and possibility. Episode Summary Do you ever feel like, despite making a good income, you should be further along financially? You’ve got the degree, the stable […]

In this episode, Tim Ulbrich, YFP CEO looks at three powerful areas for growing your income: maximizing your compensation, real estate investing, and building side hustles or businesses. Episode Summary While cutting expenses is a key part of managing your finances, there’s a limit to how much you can cut. The good news? Your income […]

YFP Co-Founders, Tim Ulbrich and Tim Baker answer two listener submitted questions about growing income and saving for your child’s college education. Episode Summary In this episode, Tim Ulbrich, PharmD and Tim Baker, CFP tackle two listener submitted questions. Cory from Arizona seeks advice on how pharmacists, in addition to cutting expenses, can increase their […]