Hi everyone. Before we get into today's episode we are thrilled to have

Panacea Financial as a sponsor for this episode.

Tennessee Financial is a bank that was actually built by two practicing doctors

who wanted better financial

options for doctors and doctors in training.

Yes, so I can give a little story from my own when I was a resident.

I was actually my second year of MedP's residency.

I had an unexpected cost of a couple thousand dollars that I had to finance.

And it was really difficult to try to find a way to avoid credit cards. So what I did was I talked to banks and asked for a couple thousand dollars in loans and they looked and they saw that I had lots of debt. I wasn't making lots of money.

I didn't have a strong credit history

and they were all going to only lend me money

if I had a cosigner

and they were only going to give me interest rates

that were really high in like the double digits.

And I thought this was absurd and so that's why we've set out to fix that and for instance we have what's called a PRN personal own and it's like what it sounds like it's your money as needed but we don't have

any co signers we don't have any origination fees we don't change your

interest rate based on your credit score and so we built something

that was really catered to our community. If you want to find out more go to panacea financial

we'll link that info in our share notes as well. Pan to see a financial is a division of Primus, member FDIC.

Also, this episode will count for CME credit with the American College of Physicians,

so click on the link in the show notes, answer three questions and get CME credit.

And with that, on to the episode. This is Dr. Marty Freed and this is Dr. Schrei Treveti.

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