Shows / Scripted Wealth | Money & Meaning for Pharmacists
Scripted Wealth | Money & Meaning for Pharmacists
Scripted Wealth: Money & Meaning for Pharmacists is a show for pharmacists who want more than just financial success. It's for those seeking clarity, confidence, and a plan to use their money with intention. After more than 500 episodes of the Your Financial Pharmacist Podcast, Scripted Wealth represents the next chapter, expanding the conversation from how to build wealth to how to use it to support a life that truly aligns with what matters most. Hosted by YFP Wealth (formerly Your Financial…
Episodes
- Scripted Wealth | Money & Meaning for Pharmacists
When Saving Becomes a Habit You Can't Turn Off
Explore how to define enough, enjoy the wealth you've built, and raise grounded kids while living your rich life today and planning for tomorrow. Episode…
- Scripted Wealth | Money & Meaning for Pharmacists
The Future of Pharmacy: Meet the 2026 YFP Gives Scholars
Meet the 2026 YFP Gives scholarship recipients and hear how family, service, and personal experiences are shaping their pharmacy careers and patient care…
- Scripted Wealth | Money & Meaning for Pharmacists
Saving & Living: Finding Financial Balance as a Couple
What does "enough" mean for you and your partner? Explore money mindsets, shared goals, and balancing financial security with living a rich life today. Episode…
- Scripted Wealth | Money & Meaning for Pharmacists
The Return on Home: The Math and Meaning of Homeownership
Tim Ulbrich and Tony Umholtz explore the costs, benefits, and personal meaning of homeownership and how to decide whether buying fits your life. Episode…
- Scripted Wealth | Money & Meaning for Pharmacists
Is Early Retirement as Good as It Sounds?
Is early retirement the goal or an escape from burnout? Explore purpose, flexible work, bridge accounts, healthcare, and portfolio risk. Episode Summary Is…
- Scripted Wealth | Money & Meaning for Pharmacists
The Scarcity Mindset High Earners Don't Talk About
Why high earners still feel behind—and how a clear plan and purposeful savings buckets can turn financial anxiety into confidence. Episode Summary A high…
- Scripted Wealth | Money & Meaning for Pharmacists
Are You Ready to Retire? The Question Money Can't Answer
Retirement is about more than having enough money. Learn how to plan for the purpose, relationships, health, and freedom that come after work. Episode Summary…
- Scripted Wealth | Money & Meaning for Pharmacists
Designing a Sabbatical Mindset Before Retirement
What can a sabbatical teach you about retirement? Learn how creating more margin today can help you build a richer life before retirement. Episode Summary What…
- Scripted Wealth | Money & Meaning for Pharmacists
If We Were Starting Over: What We'd Do Differently With Money
Tim and Tim share the financial mistakes, lessons, and mindset shifts that shaped their wealth journeys—and what they'd do differently today. Episode Summary…
- Scripted Wealth | Money & Meaning for Pharmacists
The Pharmacist Identity Trap: When Your Career Becomes Who You Are
For many pharmacists, work becomes part of who they are. Learn how identity, purpose, career transitions, and retirement are deeply connected. Episode Summary…
- Scripted Wealth | Money & Meaning for Pharmacists
The Financial Decisions That Matter Most in Your 40s and 50s
Mid-career pharmacists face bigger decisions than ever. Learn how to navigate retirement, family priorities, and life's financial tradeoffs. Episode Summary…
- Scripted Wealth | Money & Meaning for Pharmacists
You've Saved for Retirement...Now What?
You've spent decades saving for retirement. Learn how to turn those assets into a sustainable paycheck while managing taxes, healthcare, and risk. Episode…
- Scripted Wealth | Money & Meaning for Pharmacists
Am I "On Track" Financially? What Pharmacists Often Get Wrong
What does it really mean to be "on track" financially? Tim & Tim unpack net worth, comparison, lifestyle creep, and financial clarity. Episode Summary In this…
- Scripted Wealth | Money & Meaning for Pharmacists
What Does a Rich Life Actually Mean?
What does a rich life actually mean? A conversation about money, fulfillment, time, and building a life aligned with what matters most. Episode Summary In this…
- Scripted Wealth | Money & Meaning for Pharmacists
Introducing Scripted Wealth: Money and Meaning for Pharmacists
After 500+ episodes, a new chapter begins. Learn why YFP is evolving and how to align your money with meaning to live a rich life today and tomorrow. Episode…
- Scripted Wealth | Money & Meaning for Pharmacists
YFP 434: Home Buying in 2026: What Pharmacists Need to Know
Buying a home in 2026? Learn loan options, rate trends, and a new zero-down opportunity for pharmacists with mortgage expert Tony Umholtz. Episode Summary In…
Scripted Wealth | Money & Meaning for PharmacistsYFP 433: Intentional Living with Dr. Emlah Tubuo
Dr. Emlah Tubuo shares how intentional living, whole-person care, and mindset are reshaping pharmacy, leadership, and personal wellbeing. Episode Summary In…
Scripted Wealth | Money & Meaning for PharmacistsYFP 432: What Are You Optimizing For?
What if financial success isn't about saving more, but aligning money with the life you want today? Episode Summary After years of doing "everything right"…
Scripted Wealth | Money & Meaning for PharmacistsYFP 431: 10 Financial Moves to Make Before 2026
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…
Scripted Wealth | Money & Meaning for PharmacistsYFP 430: Navigating Financial Windfalls: Planning for the Unexpected
Tim & Tim discuss how to handle a windfall or inheritance with clarity emotionally, financially, and strategically during the biggest wealth transfer in U.S…
Scripted Wealth | Money & Meaning for PharmacistsYFP 429: How This Pharmacist Saved 50% of His Income & Built a Life of Freedom
Pharmacist and entrepreneur Peyton Gilbert shares how intentional living, saving 50% of income, and family business ownership created flexibility and freedom…
Scripted Wealth | Money & Meaning for PharmacistsYFP 428: Pay Off the Mortgage Early or Invest?
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…
Scripted Wealth | Money & Meaning for PharmacistsYFP 427: Passive vs Active Investing: Is the Debate Over?
Tim & Tim unpack passive vs. active investing, fees, behavior, and why YFP takes an "actively passive" approach to help pharmacists reach goals. Episode…
Scripted Wealth | Money & Meaning for PharmacistsYFP 426: Income Is a Vanity Metric: Here's What Really Matters
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…
Scripted Wealth | Money & Meaning for PharmacistsYFP 425: Beyond the Numbers: Life Planning for Retirement
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…
Scripted Wealth | Money & Meaning for PharmacistsYFP 424: Can a Pharmacist Save $1 Million by 40?
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…
Scripted Wealth | Money & Meaning for PharmacistsYFP 423: Creating a Floor to Take Financial Risk
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…
Scripted Wealth | Money & Meaning for PharmacistsYFP 422: Common HSA Mistakes and How to Avoid Them
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…
Scripted Wealth | Money & Meaning for PharmacistsYFP 421: Whole Life Insurance: Do You Need It?
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…
Scripted Wealth | Money & Meaning for PharmacistsYFP 420: How to Ask for and Get a Raise
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…
Scripted Wealth | Money & Meaning for PharmacistsYFP 419: Shaping the Future of Pharmacy: Meet the 2025 YFP Gives Scholarship Winners
In this special episode, Tim Ulbrich introduces the winners of the YFP Gives scholarship. Deja Preusser, Zipporah Williams, Michaela Martin-Worley, Julia…
Scripted Wealth | Money & Meaning for PharmacistsYFP 418: Homebuying Isn't Out of Reach: A Pharmacist's Path to Ownership
Buying a home can feel overwhelming, especially for pharmacists facing student loans, rising rents, and high interest rates. Tony Umholtz, mortgage loan…
Scripted Wealth | Money & Meaning for PharmacistsYFP 417: From Coast FI to Living Fully: Cory & Cassie Jenks Four Years Later
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…
Scripted Wealth | Money & Meaning for PharmacistsYFP 416: Student Loan Changes: Key Takeaways from the Big Beautiful Bill
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…
Scripted Wealth | Money & Meaning for PharmacistsYFP 415: Breaking Through Burnout, Self-Limiting Beliefs, and the Traditional Career Script with Jackie Boyle
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…
Scripted Wealth | Money & Meaning for PharmacistsYFP REI 135: How Volatile Is Real Estate Investing?
Pharmacists and real estate investors Nate Hedrick and David Bright explore today's shifting housing market and ask: Is real estate investing less volatile…
Scripted Wealth | Money & Meaning for PharmacistsYFP 414: Ask YFP: When Should I Contribute to Roth vs. Traditional Accounts?
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)…
Scripted Wealth | Money & Meaning for PharmacistsYFP 413: 7 Key Financial Considerations During a Job Transition
Thinking about changing jobs or just got promoted? In this episode, Tim and Tim cover 7 key financial considerations, from negotiating offers to managing…
Scripted Wealth | Money & Meaning for PharmacistsYFP 412: Does a 1% Fee Really Cost You 25% of Returns?
Does a 1% AUM fee really cost you 25% of your returns? Tim Ulbrich and Tim Baker run the numbers and give you a framework to evaluate the real cost and the…
Scripted Wealth | Money & Meaning for PharmacistsEpisode 411: 3 Reasons Pharmacists Are Financially Stuck
Feeling financially stuck despite making a good income? Tim Ulbrich, PharmD, unpacks three common reasons pharmacists hit a financial plateau and how to…
Scripted Wealth | Money & Meaning for PharmacistsYFP 410: Fatherhood and Finance: 5 Lessons My Kids Taught Me About Money
In this special Father's Day episode, Tim Ulbrich shares five unexpected and powerful money lessons he's learned from raising four boys. Episode Summary YFP…
Scripted Wealth | Money & Meaning for PharmacistsYFP 409: Millionaires Think Differently: The Mindset Shift That Changed My Life
What mindset separates high earners from true wealth builders? Inspired by The Millionaire Next Door by Dr. Thomas Stanley, Tim Ulbrich breaks down how…
Scripted Wealth | Money & Meaning for PharmacistsYFP 408: What Should You Do With an Old 401(k)?
What should you do with an old 401(k)? Tim Ulbrich and Tim Baker explore your options, common pitfalls, rollover strategies, and how to make smart moves with…
Scripted Wealth | Money & Meaning for PharmacistsYFP REI 134: From Pharmacy To Real Estate: Why This Couple Invests in Raw, Vacant Land
Quynh and Tri Vu, two professionals who transitioned from pharmacy and IT careers into real estate, share their journey into investing in raw, vacant land and…
Scripted Wealth | Money & Meaning for PharmacistsYFP 407: Ask YFP: Using 529s for Student Loans & Buying Bitcoin Efficiently
Tim Ulbrich and Tim Baker answer two questions from the YFP community on using 529 funds for student loans and the most cost-efficient ways to invest in…
Scripted Wealth | Money & Meaning for PharmacistsYFP 406: Should You Pay Off Your House Early?
Should you pay off your mortgage early? YFP Co-Founder & CEO, Tim Ulbrich, PharmD unpacks the math, emotions, and big-picture factors in the mortgage payoff…
Scripted Wealth | Money & Meaning for PharmacistsYFP 405: Navigating Retirement Income: How to Turn Assets into a Paycheck
How do you turn your retirement savings into a reliable paycheck? In this episode, YFP Co-Founder & CEO, Tim Ulbrich, PharmD, and YFP Co-Founder & COO, Tim…
Scripted Wealth | Money & Meaning for PharmacistsYFP 404: 5 Key Questions to Ask Before Hiring a Financial Planner
Tim Ulbrich, PharmD, and Tim Baker, CFP®, break down how to find the right financial planner—covering what planners really do, how they're paid, and the…
Scripted Wealth | Money & Meaning for PharmacistsYFP 403: Lessons from the Red: Navigating Big Market Dips
Tim Ulbrich, PharmD, reflects on losing over $100,000 during recent market volatility and shares eight powerful, experience-driven lessons from two decades of…
Scripted Wealth | Money & Meaning for PharmacistsYFP 402: Building a Legacy: The Family Constitution Blueprint with Julia Myers
In this episode, Julia Myers, pharmacist and founder of Generational Wisdom, shares her Family Constitution Blueprint, a tool to help families define values…
Scripted Wealth | Money & Meaning for PharmacistsYFP REI 133: How Property Owners Can Leverage Energy-Efficient Financing
Attorney Colin Kalvas discusses PACE (Property Assessed Clean Energy) financing, including its origins, mechanisms, and applications for residential and…
Scripted Wealth | Money & Meaning for PharmacistsYFP 401: Ask YFP: Roth IRA Eligibility & Estimating Life Insurance Needs
Tim Ulbrich and Tim Baker tackle questions from the YFP community on life insurance needs for expectant parents and eligibility for direct Roth IRA…
Scripted Wealth | Money & Meaning for PharmacistsYFP 400: From Pharmacy to Podcasting: Anisha Patel's Journey of Growth & Entrepreneurship
In this episode, Tim Ulbrich chats with Anisha Patel, host of the Pharmacist Diaries podcast, about her journey through pharmacy, entrepreneurship, and…
Scripted Wealth | Money & Meaning for PharmacistsYFP 399: From Pre-Approval to Closing: Understanding the Mortgage Process (and Common Mistakes to Avoid)
Tim Ulbrich, YFP Co-Founder is joined by mortgage loan officer Tony Umholtz to discuss the mortgage process. They break down key steps, from getting…
Scripted Wealth | Money & Meaning for PharmacistsYFP 398: Is Your Income Your Rate Limiting Step?
In this episode, Tim Ulbrich, YFP CEO looks at three powerful areas for growing your income: maximizing your compensation, real estate investing, and building…
Scripted Wealth | Money & Meaning for PharmacistsYFP 397: The Art of Rebalancing: Maintaining Your Investment Portfolio
Tim Baker, CFP®, RICP®, RLP® and Tim Ulbrich, PharmD discuss the importance of maintaining a balanced asset allocation, the nuances of risk tolerance and…
Scripted Wealth | Money & Meaning for PharmacistsYFP 396: Managing Money Together: Strategies for Couples
Tim Ulbrich, PharmD, and Tim Baker, CFP®, RICP®, RLP® dive into the challenges and rewards of managing money in a relationship. Summary In this episode, Tim…
Scripted Wealth | Money & Meaning for PharmacistsYFP 395: What to Look for in a Real Estate Agent (And Why It's More Important Than Ever)
Tim Ulbrich & Nate Hedrick break down 2025 housing trends, agent tips & the new buyer's agreement. Sponsored by Real Estate RPH. Summary Tim Ulbrich, YFP…
Scripted Wealth | Money & Meaning for PharmacistsYFP 394: Crafting a Rich Life in Retirement: Insights from David Zgarrick, PhD
Tim Ulbrich, YFP Co-Founder welcomes back David Zgarrick, PhD to share his journey into "preferment," balancing retirement, financial planning, and staying…
Scripted Wealth | Money & Meaning for PharmacistsYFP Real Estate Investing 132: Rent vs Buy: Does Buy Still Make Sense?
Tim Ulbrich talks with Nate Hedrick and David Bright as they break down the rent vs. buy dilemma in today's market, tackling equity, flexibility, financial…