Today on Medical Personal Finance, we do a live Q&A and my pre-conference discussion here to find out what we're going to talk about tells me that it's going to be disability insurance intensive today on RPF. Welcome to the Radical Personal Finance Podcast. My name is Joshua Sheets and I'm your host.

Thank you for being with me. This is the show we work hard every day to talk about living a rich life now,

while also building a plan for financial freedom or less, in 10 years or less.

Did a show, started a series on disability insurance and

haphidately, I beat a few out of the bushes and you're saying,

hey Joshro, we need to pay attention and

figure out what to do.

Most Fridays here on Radical Personal Finance, I try to do a live

and a call. This live Q&A call is open to patrons of the show. If you're

interested in that program, if you're interested in speaking to me on a call like this, you can go to radical

personal finance.com slash patron, sign up to be a patron of the show.

Radical Personal Finance.com slash patron.

And so the way it works is I show up to a phone line and I pop the microphone open and I say hello and usually before I play the music I do a quick just ask people what they want to talk about and today it seems like we're going to be talking about disability insurance so this ought to be fun. Let's kick it off. Let's

see here. Dustin, let's go to you first. Go ahead and ask your question. Let me see how I can serve you

today. Yes, sir.

All right, so I will, I'll try and be brief with my background information.

I am a physical therapist, a full-time physical therapist.

I'm married to a lovely woman that is a physician.

She is a resident physician about to finish up her emergency medicine residency

in about three or four weeks. So this week's topics have been very pertinent to us.

It has honestly been a terrible struggle for her and in both of us,

honestly, just if anyone listened to that previous episode with the happy

...