Happy In Medicine with Dr. Christina Arnold

190: The Quiet $100K Raise | How this one financial decision makes your kids rich

When my husband and I walked out of medical school, we had over $500,000 in student loan debt between us. Two medical degrees. One baby. One condo. Two cars. Half a million dollars. Our classmates went into emergency mode: pay it off as fast as possible.  I wanted to as well! But my husband had us do the math instead. We decided to pay the minimum on the med school loans. Attacked our high-interest debt. Bought a house. Had baby #2. Went on nice vacations.   And then the government forgave the loans entirely.   We watched the loans zero out over night. My friends who did all the moonlighting to pay off the debt asap? They didn't get the money back. They didn't get their time back. It broke my heart to see that.    Here's what I know now that I wish someone had told me then:  * A 2% student loan isn't a crisis — it's cheap money. * Debt is a tool, not a moral failure. * Loan forgiveness programs still exist. * The real $100K raise isn't always a negotiation. It's often a simple financial decision, get a strategy that will make your kids wealthy. * Managing money makes your kids rich (running from debt keeps us broke). The shift from "I need to eliminate this as fast as possible" to "I deploy every dollar where it grows the most" — that shift is worth millions over a lifetime. If you're done feeling broke even though you're a high earner, done sacrificing your family for your career, Next Level Freedom is where physician women get part-time hours at their full-time doctor salary in under 90 days. No pay cut. Join my free, live masterclass series where you get the exact process of cutting back to part-time hours at your full-time doctor salary in under 90 days. [REGISTER HERE [https://christinaarnoldcoaching.com/live-masterclass]] https://christinaarnoldcoaching.com/live-masterclass   Reply back and tell me everything, Christina P.S. — In July, I'm running a free three-part live masterclass where I'm going to show you exactly how to get part-time hours at your full-time doctor salary in under 90 days. REGISTER HERE.   [https://christinaarnoldcoaching.com/live-masterclass]https://christinaarnoldcoaching.com/live-masterclass [https://christinaarnoldcoaching.com/live-masterclass] PPS. Forward this to everyone you know who wants to make more than their doctor salary while cutting back to part time hours. In under 90 days.

189: The Investment Match that Could Make you $100k+++

What if your employer was already willing to give you an extra $20,000 a year — and all you had to do was say yes? No negotiation. No meeting. No asking anyone for anything. You just... claim it. Most physicians aren't claiming it. This week's episode is going to fix that. Here's what we cover: - Why the employer match beats a $20,000 bonus — by a lot (the math will make you want to log in today) - The pre-tax concept that takes ten seconds to understand and changes how you see every dollar you earn - The second retirement account hiding in your hospital benefits portal that most physicians have never opened - How to shelter moonlighting income from taxes in about an hour, one time - The free physician-built resource that explains all of this in plain English And if making your paycheck go further is just the beginning of what you want to fix — If you're done working evenings and weekends, done watching your family move through life without you, done waiting for a promotion that keeps getting pushed back — Next Level Freedom is where physician women get part-time hours at their full-time doctor salary in under 90 days. No pay cut. No side hustles. No waiting on anyone's timeline but yours. See results in their very first call. Book your free sales call here to join us this week → [https://app.squarespacescheduling.com/schedule/bd3b6a3c/appointment/33598962/calendar/5849920]   Reply back and tell me everything, Christina P.S. — In July, I'm running a free three-part live masterclass where I'm going to show you exactly how to get part-time hours at your full-time doctor salary in under 90 days. The registration link goes out to the email list on June 28th. If you're not on the list yet, [get on it here → link] before the doors open.

188: Get Your $100K Raise Without Talking to Your Boss

I just figured out how to give myself an at least $10,000 raise every year of my life. I have to tell you about it. I finally sat down with a trusted accountant — someone who specializes in high-earning physicians — and she showed me I could save at least $10,000 a year on my taxes. Now — if taxes give you the heebie-jeebies, if money talk makes you want to close this email right now, go back to the beginning of this money series first. But I want you to hear this: this is a story with a very happy ending. It's one where you keep more of your money instead of giving it all to the government. You get richer while working fewer hours. That is the whole point of Happy in Medicine, of Next Level Freedom, of everything I do. So stay with me! It was a SIMPLE change. No restriction, no spending money, no complicated strategy. Just... keeping money I was already earning instead of handing it to the government. I sat there doing the math in real time. If I'm in business for 10 more years — and I will be — that's $100,000 or more that stays in my account. Just from one conversation. 💥You're $100k raise is hiding in plain sight. You can gave it WITHOUT negotiating, asking your boss for anything, or waiting for promotion. Here’s what you get in this week’s podcast episode: * Your $100k raise hiding in plain sight * Why most physicians have $100k+++ hiding in their tax returns * Your one action this week to reclaim your $100k raise without talking to your boss And if taxes are just the beginning of what you want to fix... If you're done working evenings and weekends, done watching your family move through life without you, done waiting for a promotion that keeps getting pushed back.... Next Level Freedom is where physician women get part-time hours at their full-time doctor salary in under 90 days. No pay cut. No side hustles. No waiting on anyone's timeline but yours. See results in their very first call. Book your free sales call here to join us this week →  [https://app.squarespacescheduling.com/schedule/bd3b6a3c/appointment/33598962/calendar/5849920] https://app.squarespacescheduling.com/schedule/bd3b6a3c/appointment/33598962/calendar/5849920 [https://app.squarespacescheduling.com/schedule/bd3b6a3c/appointment/33598962/calendar/5849920]   Reply back and tell me everything, Christina P.S. — In July, I'm running a free three-part live masterclass where I'm going to show you exactly how to get part-time hours at your full-time doctor salary in under 90 days. The registration link goes out to the email list on June 28th. If you're not on the list yet, go to link in bio to get on right now!

187: How to Stop Using Shifts to Fund Your Dream Lifestyle

If you've ever looked at booking a family vacation and thought “that's four extra urgent care shifts” — this episode is for you. If you think about splurges like a new TV, a designer purse, or sending your kids to a high-end summer camp in terms of how many urgent care shifts you need to pick up — this episode is for you. Because that's not freedom. It's a trap. In this system, the only way to earn more money is to sacrifice more time away from your family. This ties you to Medicine forever. You're not failing. The system is. And today I want to show you one very concrete way to start living the life you went to medical school for — without working a single extra hour to do it. I'm sharing how I funded first-class flights to Europe, business class to Japan for cherry blossom season, and my daughter's entire summer abroad — for under $500 out of pocket. The secret isn't spending more. It's finally getting credit for the money you're ALREADY spending. Medicine gave us a high income. Points travel helps you keep it. In this episode: * Why the shift math is keeping you trapped — and the mindset shift that breaks it * How to divorce the link between working more and having more — for good * How travel points work as a real wealth-building strategy (not a travel hack) * Cashback vs. points — how to know which one wins in each category * How to get started without math, spreadsheets, or becoming a points obsessive This episode is a preview of how we think inside Next Level Freedom — where the entire strategy is built around one idea: your career should be giving you more life every year, not taking it. Fewer hours. Same salary. A life that doesn't need a recovery plan. Inside Next Level Freedom, I help overworked physician women who want to stop sacrificing their family for their career achieve part-time hours with a full-time doctor salary in under 90 days by learning how to Coach Your Boss with Trauma-Informed Physician Coaching Skills. We're opening doors in July with an unprecedented bonus bundle we've never offered. Book a free sales call NOW and join us this week: https://app.squarespacescheduling.com/schedule/bd3b6a3c/appointment/33598962/calendar/5849920 [https://app.squarespacescheduling.com/schedule/bd3b6a3c/appointment/33598962/calendar/5849920] Reply back and tell me everything! Christina P.S. In July I'm running a brand new three-day live free training exclusively for women physicians — all about your next $100k raise while cutting back your clinical hours. No side hustles. No extra RVUs. No waiting. Get ready to register for this free live event — details dropping soon.

186: Your $100k raise hiding in plain site | and how to claim it

I found tens of thousands of dollars I didn't know I had. Not from a new contract. Not from a raise. Not from picking up extra shifts. It was sitting in my own accounts — money I was already earning, already saving — and I just hadn't looked closely enough to see it. Here's what I found when I finally did look. A subscription I thought I'd cancelled five years ago. Still running. **$250 a month.** Over six years, that's $18,000. I found several charges like that. Tens of thousands of dollars quietly leaving my accounts every month because I was too anxious to open the statements. You're not failing at money. You inherited a story about it. Most of us did. By the time we were eight years old, we'd already absorbed our parents' beliefs — about whether money was safe, scarce, dangerous, or dependable.  My kids noticed. If they wanted to talk about money, they'd go find my husband in the other room. I knew I didn't want to pass that forward. So I did the work. And today you get the best lessons I’ve never shared before….because I just invented them! * The Money Map — the exact exercise I run with every client inside Next Level Freedom that consistently reveals millions of dollars they didn't know they had (the look on their faces never gets old) * The Monthly Money Date — a simple line-by-line practice that found $18,000 in forgotten subscriptions in my own accounts — and why most physicians are hemorrhaging cash the same way right now * The underspending leak no one talks about — why playing it safe with your money is costing you more than any latte ever could, and how I turned $10K into $130K by finally letting money do its job * The inherited story running your finances — what you absorbed about money before age eight, how it's making your decisions for you today, and the reframe that changes everything * 5 money sprints you can do this week — none of them require a financial advisor, all of them make you more money without one single RVU This episode isn't about budgeting. It's not about cutting back. It's not about skipping your daily Starbucks luxury coffee. No Thank You! It’s about creating a $100k raise from what’s in your accounts righ tnow. And if you're ready for your $100k raise, join Next Level Freedom today. Book your free sales call and be immediately onboarded: [Book your free call →]: https://app.squarespacescheduling.com/schedule/bd3b6a3c/appointment/33598962/calendar/5849920   See you inside! Christina P.S. In July I'm running a brand new three-day live free training exclusively for women physicians — all about your next $100k raise while cutting back your clinical hours. No side hustles. No extra RVUs. No waiting. Get ready to register for this free live event!