พอดคาสท์ My Financial ชั้นนำ (2024)

1
What are Alternative Assets and should I consider them? 1:01:59

18d ago1:01:59

1:01:59

Most of us are invested in the "market" in traditional assets such as stocks, ETFs, and bonds. Our investment portfolio ride the roller-coaster that is the market. Can we invest in assets that are not correlated to this roller-coaster? The answer is "yes". One way to diversify our investment portfolio is using Alternative Assets (also known as Priv…

1
Marketing inaccuracies about pension plans "designed" for physicians - Part 3 42:49

2M ago42:49

42:49

Physicians have now been bombarded with advertisements about pensions "designed" for them. Unfortunately, much of the marketing are not 100% truthful. As consumers of these plans, physicians need to understand 100% of the solution because being 50% truthful (while still true) is not the same as being 100% truthful. Buyer beware. Physicians need to …

1
What does the increase in the Capital Gains Inclusion Rate mean for me and my family? 46:01

2M ago46:01

46:01

You have heard of the new Canadian federal budget that increased the Inclusion Rate on the Capital Gains tax. It finally went into effect on June 25th, 2024. Physicians were given the right to incorporate their practices in lieu of a salary increase. Consequently, many physicians saved their money inside their corporation in the form of retained ea…

1
Marketing inaccuracies about pension plans "designed" for physicians - Part 2 33:24

3M ago33:24

33:24

Physicians have now been bombarded with advertisements about pensions "designed" for them. Unfortunately, much of the marketing are not 100% truthful. As consumers of these plans, physicians need to understand 100% of the solution because being 50% truthful (while still true) is not the same as being 100% truthful. Buyer beware. Physicians need to …

1
Marketing inaccuracies about pension plans "designed" for physicians - Part 1 33:07

3M ago33:07

33:07

Physicians have now been bombarded with advertisements about pensions "designed" for them. Unfortunately, much of the marketing are not 100% truthful. As consumers of these plans, physicians need to understand 100% of the solution because being 50% truthful (while still true) is not the same as being 100% truthful. Buyer beware. Physicians need to …

1
Financial fluency for healthcare professionals - an intimate conversation with Sandy Pollack 49:54

4M ago49:54

49:54

We have Sandy back again to help us dive into understanding the importance of financial fluency for physicians and other healthcare professionals. If you want to leave me with feedback and comments, please email me at hmfhd2020@gmail.comโดย Vu Kiet Tran

1
Confession of your podcast host Vu. 48:13

5M ago48:13

48:13

In this episode, I am being interviewed by the David MacNicol, host of Lighthouse Outlook Podcast. We go into more private questions about me and how I came to create "How is my financial health, doc?". We also discuss the financial challenges of physicians and why this is so. I discuss the importance of financial wellness for healthcare profession…

1
Technical Analysis and investing in the market: a conversation with Dr. Roger Sen 52:36

5M ago52:36

52:36

I welcome my friend Dr. Roger Sen to share with us his most recent passion and joy, which has become an income source for him. Dr. Sen has learned a new skill. We all can learn a new skill. he has developed his passion. We can all develop and nurture our passion. Who knows, someday, it can even become an income source. Let's learn a little bit abou…

1
Don't leave a mess - How to disaster-proof you family legacy. A conversation with Sandy Pollack 55:15

5M ago55:15

55:15

In this episode, we will have a very informative and generative discussion with my guest Sandy Pollack about what it means to make wise choices for your career and business that not only protect what you have worked so hard to build but reflect your why. Please send me your comments and feedback at hmfhd2020@gmail.com.…

1
If you are a researcher (big "R" and small "r"), you need to know this: SR&ED 45:53

6M ago45:53

45:53

Physicians typically do not just wear one hat. Many of us tries to wear many hats at the same time (to our detriment). Don't worry, I do this too. Some of us also wear the hat of a researcher (either big "R" or small "r"). However, most of us do not know we can be compensated by the government for the research we do. There is much money left on the…

1
The Options market: an awareness-building episode for most of us. 49:50

7M ago49:50

49:50

Some of us have learned how to trade in the market. However, many of us have never heard of the Options market. What is it? What does it do? This awareness building episode on Options is just the place to get acquainted with it. I am also launching my Executive/leadership/personal coaching service. If you are interested in finding out more, please …

1
You don't think you need it until you actually need it: Disability Insurance (DI) 57:30

10M ago57:30

57:30

Disability Insurance (DI) is one of those things in life that you do not think you need it until you really need it. And by then, you wished you had it. We will dive deep into the topic of DI with Saad Nadeem. To leave me with feedback or comments, please email me at HMFHD2020@gmail.com To learn more about the conference... The Code Green Financial…

1
Real-estate investing that can be aligned with the lifestyle of a busy healthcare professional: Pre-construction real-estate investing 45:13

11M ago45:13

45:13

With my real-estate agent and friend, Vy Ngo, we discuss the inner workings of investing in pre-construction real-estate. To leave me with feedback or comments, please email me at HMFHD2020@gmail.com To learn more about the conference... The Code Green Financial Literacy Conference. Feb 2nd, 2024. Novotel Hotel, North York, Ontario Designed by phys…

1
Promotional content: Code Green Financial Literacy Conference 7:18

12M ago7:18

7:18

Dr. Roger Sen, Dr. Michael Long, and myself created a financial literacy conference for physicians and dentists. The Code Green Financial Literacy Conference. Feb 2nd, 2024. Novotel Hotel, North York, Ontario Designed by physicians, for physicians. Early bird special until Dec 31st, 2023. Visit us at www.codegreenfinancial.com…

1
Top 10 financial mistakes made by physicians in late-stage career - Part 2 52:41

12M ago52:41

52:41

We did episodes on "Top 10 financial mistakes" made by physicians in early and mid-stage career. Late-stage physicians need not feel left out. Here is an episode for the late-stage career physicians. It is important to recognize that most of the financial mistakes in late-stage career are consequences of things not done in early and mid-stage caree…

1
Top 10 financial mistakes made by physicians in late-stage career - Part 1 47:48

1y ago47:48

47:48

We did episodes on "Top 10 financial mistakes" made by physicians in early and mid-stage career. Late-stage physicians need not feel left out. Here is an episode for the late-stage career physicians. It is important to recognize that most of the financial mistakes in late-stage career are consequences of things not done in early and mid-stage caree…

1
Code Green Financial Literacy Conference for physicians 2:31

1y ago2:31

2:31

This is an advertisement for a financial literacy conference Dr. Sen, Dr. Long, and myself have created for physicians. This conference was designed by physicians for physicians, discussing person finance topics geared for physicians. Hope to see you there! The early bird special end on December 31st, 2023. So, register soon. To learn more and to r…

1
The new Canadian physician Multi-Employer Pension Plan (MEPP): What is really underneath the hood? 1:04:23

1y ago1:04:23

1:04:23

Canadian physicians have recently been heavily promoted on a new Multi-Employer Pension Plan (MEPP). What is this new MEPP? How is it structured? How do physicians fund it? What are the benefits? What are the drawbacks? Let's look beyond the sales and marketing information. Let's look underneath the hood to truly assess this MEPP. To leave me feedb…

1
Top 10 financial mistakes made by mid-career physicians 1:10:22

1y ago1:10:22

1:10:22

Physicians and almost all providers in healthcare have very poor financial literacy. It is very common for us to make financial mistakes. The sad news is that most of us are not even aware of them. As we progress in our career, we hope that we finally "arrived". We might have done so professionally in medicine. However, have we "arrived" financiall…

1
Financial mistakes you did not even know you made - Where are your financial blind spots? 48:13

1y ago48:13

48:13

As physicians, we make a lot of financial mistakes. Some of us are aware, but most of us are not aware we are making them. This is because we have blinders on. We are lead astray by our cognitive traps. In this podcast, we discuss of some them with Dr. Ketan Kulkarni. To leave your comments, please email me at hmfhd2020@gmail.com…

1
What was appropriate prior to 2014 is no longer applicable in 2023: Dividend only strategy 51:47

1y ago51:47

51:47

Many of our colleagues have been instructed by accountants to use a "Dividends Only" strategy to take money into the personal hands. This strategy may be valid for some, but not for most (at least not after 2014). Unfortunately, despite the changes in the law, our colleagues have not been instructed to change strategy. This persistence down the sam…

1
Things you should know about retail banking - Confessions of an Ex-banker (Part 2) 40:08

1+ y ago40:08

40:08

Many of us use banks. But most of us don't understand the banking industry. I surely don't understand fully the industry myself. That is why we have a guest on today to explain the underbelly of the banking industry and what the banks don't want you to know. This conversation with an ex-banker is honest, blunt, and edgy. I hope you're ready for it.…

1
Special Edition 5: What is the Canadian Physicians’ Pension Plan (Question from accountants)? 40:23

1+ y ago40:23

40:23

We all Canadian physicians have been yearning for a pension plan for the profession for approximately 120 years. No one has taken the time or given the effort to create one for us. That time has come. I, the co-founder of the Canadian Physicians' Pension Plan, have designed one that meet the needs of Canadian physicians. It is designed specifically…

1
Things you should know about retail banking - Confessions of an Ex-banker (Part 1) 43:50

1+ y ago43:50

43:50

Many of us use banks. But most of us don't understand the banking industry. I surely don't understand fully the industry myself. That is why we have a guest on today to explain the underbelly of the banking industry and what the banks don't want you to know. This conversation with an ex-banker is honest, blunt, and edgy. I hope you're ready for it.…

1
Financial teaching points for foreign trained physicians (and many others)! 1:10:59

1+ y ago1:10:59

1:10:59

This is an episode I recorded with my good friend Saad Nadeem, a CFP who helps foreign trained physicians in Canada. The concepts we talked about are not just for foreign trained physicians. Many of my colleagues trained in Canada are still suffering from the challenges we discussed. The learning points are relevant and real, very real. It is my st…

1
Seven Money Mindsets: which one(s) you have will determine your financial security and wealth 1:02:04

1+ y ago1:02:04

1:02:04

There are 7 Money Mindsets. Do you know which one(s) you subscribe to the most often? Which one you adopt in times of stress or major money/investment decisions? "Know Thy Self" is crucial to your financial success. For feedback or comments, please email me at HMFHD2020@gmail.com.โดย Vu Kiet Tran

1
Roger’s story about Suitability vs Best Interest 37:52

1+ y ago37:52

37:52

I had the pleasure to have on my show Roger who shared with me his financial literacy journey and how he came to understand Suitability vs Best Interest Standard. Please email me if you have any comments or feedback at HMFDH2020@gmail.comโดย Vu Kiet Tran

1
Special Edition 4: What is the Canadian Physicians’ Pension Plan (Question from physicians) - Part 2 53:25

1+ y ago53:25

53:25

We all Canadian physicians have been yearning for a pension plan for the profession for approximately 120 years. No one has taken the time or given the effort to create one for us. That time has come. I, the co-founder of the Canadian Physicians' Pension Plan, have designed one that meet the needs of Canadian physicians. It is designed specifically…

1
Special Edition 3: What is the Canadian Physicians’ Pension Plan (Question from physicians) - Part 1 51:22

1+ y ago51:22

51:22

We all Canadian physicians have been yearning for a pension plan for the profession for approximately 120 years. No one has taken the time or given the effort to create one for us. That time has come. I, the co-founder of the Canadian Physicians' Pension Plan, have designed one that meet the needs of Canadian physicians. It is designed specifically…

1
Special Edition 2: The Canadian Physicians’ Pension Plan (CPPP) - Part 2: a pension plan truly designed for the physician in mind 53:55

1+ y ago53:55

53:55

We all Canadian physicians have been yearning for a pension plan for the profession for ages. No one has taken the time or given the effort to create one for us Canadian physicians. That time has come. I, the co-founder of the Canadian Physicians' Pension Plan, have designed one that meet the needs of Canadian physicians. It is designed specificall…

1
Special Edition 1: The Canadian Physicians’ Pension Plan (CPPP) Part 1: a pension plan truly designed for the physician in mind 56:19

1+ y ago56:19

56:19

โดย Vu Kiet Tran

1
Lack of financial education among healthcare professionals - ”I wish I knew” (Part 2) 33:15

1+ y ago33:15

33:15

Healthcare professionals are very good at what they do, but are very bad at personal finance. We go through our professional and private lives without knowing these major financial concepts. This lack of knowledge is severely detrimental to our financial wellbeing. It is imperative we correct this.โดย Vu Kiet Tran

1
Lack of financial education among healthcare professionals - ”I wish I knew” (Part 1) 47:28

1+ y ago47:28

47:28

Healthcare professionals are very good at what they do, but are very bad at personal finance. We go through our professional and private lives without knowing these major financial concepts. This lack of knowledge is severely detrimental to our financial wellbeing. It is imperative we correct this.โดย Vu Kiet Tran

1
There are many ways to invest in real-estate for the HCP. Is BTRSFR right for you? 49:38

1+ y ago49:38

49:38

Many of us look to include real-estate in our investment portfolio. There active ways to invest in real-estate. There are more passive ways. Investing with a Limited Partner (LP) may be right for you. How much do you understand of LP real-estate investing. What do you know about BTRSFR? It is time to upgrade your knowledge!…

1
Financial Anonymous: are you really good? 18:10

1+ y ago18:10

18:10

"I am good" is what I often hear from colleagues who either do not want to deal, do not want to be bothered, do not feel confident, or feel embarrassed about their own personal finances. Many are heading towards a path of financial hardship in the future because they haven't learned how to properly plan for the future. Physicians make a good income…

1
How and why your incorporated medical professional business can quickly lose its small business tax allowance? 58:50

1+ y ago58:50

58:50

We have been told by our accountants to take as little salary as possible and leave the rest of the corporate income in the corporation as retain earnings. Then we were told to invest these retain earnings in a non-registered investment account. Many of us have done this. It is no longer tax efficient to do so. Were you aware of it? Now learn the r…

1
Are you aware of Real-estate development investing through a Limited Partnership? 55:11

1+ y ago55:11

55:11

As I mentioned several times, people in the healthcare industry loves to invest in real-estate. In fact, who doesn't? While most are familiar with buying a primary residence, many are still learning about alternative ways to invest in real-estate. Have you considered real-estate development investing through a Limited Partnership? Did you know what…

1
When it comes to your financial health, are you dealing with a ”bike salesman” or a ”personal trainer”? Are you getting ”suitable” or ”best interest” advice? 58:11

1+ y ago58:11

58:11

I hear this very commonly from my peers: "I will discuss this with my advisor/accountant". I know for a fact that most of my colleagues who say this have never questioned whether their advisor/accountant has the knowledge or expertise to opine on the question at hand. However, they believe the "experts" without a second thought. Are they getting "b…

1
What is pre-construction real-estate? 1:19:09

2y ago1:19:09

1:19:09

Purchasing real estate is still a wonderful investment strategy. However, it is big decision and often an even bigger financial commitment. Thankfully, pre-construction condominiums are an accessible way for investors to get into the physical real estate market. They can invest with a reasonable down payment, and throughout construction, their inve…

1
What is debt and how to USE it to build wealth? (Part 2) 37:23

2y ago37:23

37:23

We are brought up to hate debt and to pay-off every single dollar as fast as we can so we do not have debt. That is the common teaching. But using debt is different from having debt. We are not familiar nor comfortable with this concept. It does take a different mindset to absorb this. In this episode, we start with defining debt and OPM (Other Peo…

1
What is debt and how to USE it to build wealth? (Part 1) 53:24

2y ago53:24

53:24

We are brought up to hate debt and to pay-off every single dollar as fast as we can so we do not have debt. That is the common teaching. But using debt is different from having debt. We are not familiar nor comfortable with this concept. It does take a different mindset to absorb this. In this episode, we start with defining debt and OPM (Other Peo…

1
What is Participating life insurance? Let’s take a deep dive into the question with an insider. 53:24

2y ago53:24

53:24

There is great debate going on in the wider financial community about life insurance. There is really 2 schools of thought out there: only buy Term insurance and invest the difference (BTID) vs Whole life insurance. There are indications (medical lingo used here) for both types of insurances. We should take some time to understand them. This one is…

1
Physicians are not just physicians. We can be so much more - a chat with Dr. Thanasi Tsiodras 42:50

2y ago42:50

42:50

Many physicians feel they are trapped. I know many of these physicians. They cannot do anything else other than medicine (and their own specialty). The reality is that physicians have acquired throughout their studies many skills that are transferrable to other careers. However, at times, we are too emotionally trapped to recognize the spectrum of …

1
What is Arm’s length lending with your RRSP? 1:14:06

2y ago1:14:06

1:14:06

Physicians know much about investing (in the Market). Many are not aware about Arm's length private lending. What is this and what does it eat in the winter? We are going to bring this to your awareness today. Enjoy the learning! Please lave me feedback or comment at hmfhd2020@gmail.comโดย Vu Kiet Tran

1
How to get started in real-estate investing for healthcare professionals 1:03:52

2y ago1:03:52

1:03:52

I hear a lot of my colleagues talk about real-estate investing and earning passive income via real-estate. Many have talked about it. Very fews have actually done it. Maybe because of lack of knowledge. Maybe because of fear. Maybe just procrastination. Whatever the reason, there is no more excuse after this episode. If you want to leave me any com…

1
Occupational therapist gone entrepreneur! Passion beyond clinical work. 48:10

2y ago48:10

48:10

Many of us secretly dream of a non-clinical job or career. We struggle to figure out what that would look like but, more importantly, how to get there. As we face more burnout in our industry, it becomes an imperative to actually drive towards our passion that can become a signifcant side job in this GIG economy. Having a passion outside of clinica…

1
It’s not sexy, but it is important - Financial Planning for SECURITY! 51:04

2y ago51:04

51:04

Everyone loves to talk about investment and stocks. We love to talk about the latest and shiniest coin on the block. But it is really not as important as considering the entire financial plan. Focusing mainly on investments as your overall financial plan can lead to a failed plan. What else should we do then? Please leave me with your feedback and …

1
Build financial security, independence, and wealth with the Wealth Creator 58:43

2y ago58:43

58:43

Many think life insurance is only for the estate after our passing (journey to the clouds). That is a very limited and scarcity mindset view of what life insurance can do. Those who truly understand life insurance know many other strategies to build financial security, independence, and wealth. This is one of such very powerful strategies. It is no…

1
Value should be your focus, not just cost! 53:31

2y ago53:31

53:31

We, in healthcare, are no different than everyone else when it comes to evaluating a product or service. Everyone, even people whose expertise is financial products and strategies, fall in the same trap. That is basing their assessment mainly focused on cost and fees. That is absolutely the wrong mindset. And it is very costly in the end. Life is a…

1
How we view money determines how successful financially and how happy we will be. 39:08

2y ago39:08

39:08

I am certain you have many views about money. Are those views yours? or have they been implanted into your consciousness by your parents, your in-laws, or your neighbours? How you understand and view money determines how successful financially you will be. It will also dictate how happy you will be. So, do not underestimate the impact of your view …

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