Ep #103: Smart Moves For Your Next Mortgage Renewal - with Elan Weintraub
Renewing a mortgage is more than just re-signing with your existing lender. Today I sit down with Elan Weintraub to discuss everything related to mortgages and renewals. Treat it like a financial checkpoint that aligns with your career, family plans, and cash flow, not just a headline rate. We dig into the real levers you control, and uncover key questions you should ask:Why is a 30 year amortization often a good idea?Considerations for paying down the mortgage fasterWhy every 4% rate isn't the same (interest can compound too)What do I need to know about adjustable vs variable rate mortgages?What are the range of prepayment options?Are tax strategies real or overhyped?What are the pros and cons of mortgage laddering?If you’ve got a renewal coming up or want to future-proof your financing, this is a concise masterclass on what actually moves the needle. If this helped you, subscribe, leave a review, and share it with a colleague who’s staring at a renewal letter right now.Arya EHR: https://www.aryaehr.com/Elan Weintraub:https://www.linkedin.com/in/elan-weintraub-9683702/https://mortgageoutlet.ca/Yatin:LinkedIn: https://www.linkedin.com/in/yatin-chadha/Radiology Courses for Clinicians:https://beyondradiology.thinkific.com/courses/ct-head-interpretation-coursehttps://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-courseAmerican express referral link (for all Amex cards):https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC4uFw&XLINK=MYCP
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Ep #102: Making the most of our biggest investment: how to find more joy and fulfillment with work
There are 2 questions I have become truly fascinated with and aim to answer in this episode:- why do some people truly enjoy their work, while others don't?- how do we go about finding more joy at work?I've spent a lot of time reading around this topic and picking the brains of my fellow colleagues. Today I share what I've learned and the things I'm working on.There are likely several nuggets you can take away and incorporate into your work.Contents:- Introduction (0:19)- What 4 mid-career doctors told me when I asked them how they stay interested & motivated for work (2:15)- Action 1: Social connection (3:52)- Action 2: Emphasize process over finish line (6:39)- Action 3: Introduce playfulness (13:25)- Action 4: Gain back some control (15:08)- Action 5: Never stop growing (18:36)Links:LinkedIn: https://www.linkedin.com/in/yatin-chadha/Radiology Courses for Clinicians:https://beyondradiology.thinkific.com/courses/ct-head-interpretation-coursehttps://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-courseAmerican express referral link (for all Amex cards):https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC4uFw&XLINK=MYCP
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Ep #101 - Mid-career challenges, lessons from a sabbatical, and the money decisions that made it possible - with Dr. Kieran Nair
Today I welcome my friend and savvy investor, Dr. Kieran Nair.Kieran is a mid-career hospitalist in BC who recently returned from a year long sabbatical in the French Riviera with his family.Today, Kieran opens up about challenges he faced in mid-career, what led to burnout, and what he learned from his year away. He also talks about what to consider when pursuing a sabbatical and financial decisions that made this all possible.Discussion points:- Kieran's intro (1:42)- Mid-career challenges (3:00)- Recognizing burnout (8:00)- How do we ensure our commitments & values align? (10:22)- How many missions can we realistically have? (14:42)- Navigating unexpected health issues (16:08)- With a young family, is there a better window to take on new things? (19:40)- What led to the sabbatical in the French Riviera? (22:35)- Learning the art of being present (24:30)- Major lessons on time (29:40)- Sabbatical highlights (31:30)- Tips for others thinking of a sabbatical (33:14)- Cost of living comparison (35:55)- What good financial decisions made this all possible? (38:30)- How Kieran became so fascinated with finance and investing (41:20)- How individual investors & stock pickers can develop an edge (45:15)- Kieran's favourite investing books (50:55)- How did Kieran's financial plan work out? (53:02)- How much money will we need to retire? (56:08)- Closing thoughts, Kieran's blog (59:19)Kieran's blog:https://financiallyfreemd.substack.com/Yatin's Links:LinkedIn: https://www.linkedin.com/in/yatin-chadha/Radiology Courses for Clinicians:https://beyondradiology.thinkific.com/courses/ct-head-interpretation-coursehttps://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-courseAmerican express referral link:https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC4uFw&XLINK=MYCP
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Ep #100: Making big life and money decisions, learning and growing together - with my wife, Sima Acharya
For episode 100, I bring back my favourite person - my wife, Sima Acharya!Sima is back by popular demand. Today we unpack some of the big decisions we've made together, discussing the factors at play and what we have learned.Discussion points:- Sima's update (2:25)- Prioritizing adventures in new places earlier in life (6:38)- Balancing now vs delayed gratification - home renovations (19:55)- Raising the kids, learning along the way (25:35)- Travel: how it's changed us, keeping the kids humble (35:30)- How & where we invest our money (44:15)My NYGH Fundraiser:https://donate.nyghfoundation.ca/site/TR/Events/Rally_in_the_Ravine?px=1561359&pg=personal&fr_id=1310LinkedIn:https://www.linkedin.com/in/yatin-chadha/https://www.linkedin.com/in/sima-acharya-a0430213/Radiology Courses for Clinicians:https://beyondradiology.thinkific.com/courses/ct-head-interpretation-coursehttps://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-courseAmerican express referral link:https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC4uFw&XLINK=MYCP
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Ep #99 - Comparing Pension Plans for Incorporated Doctors - with Sean Wilson & Navaz Cassam
Today we dive back into pensions for incorporated professionals. On this ride, we compare and contrast 2 good pension options: the individual pension plan (IPP) and the Healthcare of Ontario Pension Plan (HOOPP).For today's chat I'm happy to welcome Sean Wilson (CFP, CIM), founder of Moraine Wealth Advisory, and Navaz Cassam, president & chief actuary of GBL Inc.HOOPP vs IPP White Paper:https://morainewealth.com/blog/hoopp-vs-ipp/Discussion points:- overview of pensions (1:45)- introduction (2:42)- what is a defined benefit (DB) pension plan? (4:38)- the DB pension formula (5:20)- establishing earnings for a pension plan (8:03)- pension eligibility (9:43)- pension plan contributions (11:43)- why are extra contributions helpful? (14:40)- IPP special contributions (19:10)- impact of disability (21:23)- IPP investing - DIY & control (21:50)- IPP costs (26:32)- flexibility & control in a pension plan (28:03)- withdrawing from a pension (32:46)- terminal funding (33:54)- considerations for a retirement compensation arrangement (36:36)- indexing the defined benefit to inflation (38:40)- IPP projections - starting age 40 with $200K of T4 income (40:18)- who shouldn't consider a pension? (45:37)- closing thoughts (47:38)Yatin ChadhaNYGH Fundraiser: https://donate.nyghfoundation.ca/site/TR/Events/Rally_in_the_Ravine?px=1561359&pg=personal&fr_id=1310LinkedIn: Yatin Chadhabeyond Radiology:https://beyondradiology.thinkific.com/products/courses/ct-head-interpretation-coursehttps://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-courseSean Wilsonhttps://morainewealth.com/https://www.linkedin.com/in/sean-m-wilson/Navaz Cassamhttps://www.linkedin.com/in/navaz-cassam-0b025716/
beyond MD bridges the gap between medical training and financial literacy.Led by mid-career Canadian radiologist, Yatin Chadha, beyond MD empowers practicing physicians, medical trainees, and other professionals to build confidence and clarity around money.Episodes feature interviews with subject experts to help listeners gain knowledge around topics like professional corporations, investing, insurance, pensions, real estate, trusts, and estate planning. Yatin also frequently interviews his own colleagues to shed light on valuable life and money lessons learned over time.Tune in to beyond MD (episodes are bi-weekly) to build your financial acumen and live your best life today.
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