Just a quick word from our sponsor, Panacea Financial, providing banking built for doctors by doctors.

Here are what Dr. Michael Jurgens, a med-pede physician and co-founder of Panacea Financial, had to say.

So, if you're a fourth year a medical student you have

access to a loan to pay for your applications or to move to residency. If you're

a resident you can borrow whether it be to just bills like myself I had a car

issue in residency and I actually went to banks all of them rejected me or

asked me to get a cosigner.

Meanwhile, I'm like 30 something years old, two kids at home, working in the ICU.

Everyone trusts me with a lot, but apparently to the banks I wasn't very trustworthy so it was absurd and that's why we want to make

sure we didn't replicate that with other residents so no co signers are needed simply

just prove who you say you are.

Make sure we know you're a resident or fellow.

And then the residents and fellows can also borrow.

And the rates, interest rates, which can be very expensive

for personal loans, start at less than half of the credit card.

So it's a good alternative and for residents and fellows,

their lower payments, a wire and training.

And it is so great to hear Panacea has options for trainees.

We will link the info for Panacea Financial.

In the show notes, Panacea Financial is a division of Primus member FDIC and with that let's get into this

important topic.

And I looked at all the curbside emails I had gotten over the past three years and like

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