Doctor reacts to Graham Stephans, “Doctor vs Plumber: Which person is WEALTHIER at age 42?”

In this video, Dr Webb reacts to Graham Stephans video, Doctor vs Plumber: Which person is WEALTHIER at age 42?”

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0:00 Introduction
0:40 Importance of disability insurance
2:55 50% of your salary in savings??
3:32 How much you can expect to earn on interest when investing?
3:35 Do doctors get pay raises every year?
10:25 Should you invest or pay off student loans first?
11:45 How much debt do students graduate medical school with?
13:01 How much do residents earn in training?
13:45 How much do doctors earn?
16:04 Doctor vs plumber. Which one is more weathlier at age 42?

What is disability insurance?
As a medical professional, disability insurance is one of the most crucial aspects of your financial plan because your career is dependent on your ability to perform within your specialty.
The most crucial benefit of disability insurance is the replacement of income in the event that you are not able to work. If you become disabled, your disability insurance provides monthly paychecks that will replace your income to ensure that you are protected financially.
More than 25% of adults will become disabled for at least a year because of a disabling condition before they reach the normal retirement age.

Securing your own disability insurance policy is critical to a sound financial plan, especially if you are a physician. Without proper coverage, a disabling event can lead to loss of income, default on debt, and bankruptcy.

For physicians, it is critical to get a true own-occupation policy. That way, you can recieve your entire paycheck, regardless of the length or severity of your disability. Most employer plans only cover a portion of your income and are taxable, leaving you with only a fraction of your income.

Additionally, residency and fellowship are the best time to request quotes and secure a policy because insurance companies offer discounts as high as 40-50%, but once you are done with training, those discounts begin to expire.

Disability insurance is complicated. Doctors shouldn’t have to take time to sort through a bunch of insurance quotes to find the best policy.

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https://linktr.ee/overcomingtheoddsbook

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MEDICAL DISCLAIMER
The information provided is not intended to be a substitute for professional medical advice, diagnosis or treatment. Never disregard professional medical advice, or delay in seeking it, because of something you have read on this website. Never rely on information on this website in place of seeking professional medical advice.

Видео Doctor reacts to Graham Stephans, “Doctor vs Plumber: Which person is WEALTHIER at age 42?” канала Antonio J. Webb, M.D.