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 cosigners.

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

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

And with that, let's get into this important topic. When we last spoke together on at the bedside, we talked about hope.

I feel like we talked most about hope when the family has a lot and the

medical team has very little.

...