MtoM #256: Internist Pays Off $300,000 of Student Loans in 7 Years and Financial Boot Camp: High Deductible Health Plans vs PPO
White Coat Investor Podcast
Dr. Jim Dahle of the White Coat Investor
4.9 • 2.3K Ratings
🗓️ 5 January 2026
⏱️ 27 minutes
🧾️ Download transcript
Summary
Today we are talking to an internal medicine doc with a great story. She started her medical school journey later in life when she and her husband decided to do whatever it took to help her fulfill her dream of becoming a doctor. Her husband quit his job to stay home and care for their 4 children and she went to medical school. Today we are celebrating her paying off $300,000 of student loans. She has worked hard to pay down debt alongside saving and buying a nice home for her family. Her tips for success are to ground yourself, have a plan and do not let your emotions make your decisions for you.
Today's sponsor, Black Swan Real Estate, offers accredited investors access to private multifamily real estate investments with an investor-first model. Unlike most firms, Black Swan collects no GP-level fees and takes no profit until investors receive a full return of capital. Their physician-led team brings a hands-on approach to managing their $375M portfolio, ensuring every asset is optimized for cash flow, appreciation, and tax advantages. With a track record of meeting and exceeding return targets, Black Swan Real Estate provides stability and growth for long-term wealth building. Discover more at https://www.whitecoatinvestor.com/blackswan
The White Coat Investor has been helping doctors, dentists, and other high-income professionals with their money since 2011. Our free personal finance resource covers an array of topics including how to use your retirement accounts, getting a doctor mortgage loan, how to manage your student loans, buying physician disability and malpractice insurance, asset allocation & asset location, how to invest in real estate, and so much more. We will help you learn how to manage your finances like a pro so you can stop worrying about money and start living your best life. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you!
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00:00 MtoM Podcast #256
02:16 Internist Pays Off $300,000 of Student Loans in 7 Years
18:07 Advice For Others
21:18 High Deductible Health Plans vs PPO
Transcript
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| 0:00.0 | This is the White Coat Investor podcast, Milestones to Millionaire, celebrating stories of success |
| 0:06.0 | along the journey to financial freedom. |
| 0:13.3 | This is Milestones to Millionaire podcast number 256. |
| 0:17.0 | Internist pays off $300,000 in student loans in seven years. |
| 0:21.3 | Are you ready to take control of your financial future through investments that you can personalize to your specific goals? |
| 0:26.5 | Black Swan Real Estate specializes in helping high-income professionals, including positions, |
| 0:30.5 | achieve financial freedom through private, multifamily real estate investments. |
| 0:34.9 | With over 13 years of experience, a $375 million portfolio and |
| 0:39.2 | 1,600 plus units under management, Black Swan offers unique opportunities that put investors |
| 0:43.9 | first. They operate with no GP-level fees ever, a structure virtually unheard of in the industry. |
| 0:49.7 | Led by physician Dr. Elaine Staggerberg, and supported by a vertically integrated team, |
| 0:54.2 | Black Swan ensures hands-on management and a proven track record of strong, stable returns. |
| 0:59.0 | Learn more about their investor-aligned approach at whitecoatinvestor.com slash Black Swan. |
| 1:04.2 | All right. Champions program ends earlier this year than most years. The last day to apply is |
| 1:10.8 | February 15th. This is our book giveaway program. The last day to apply is February 15th. |
| 1:11.9 | This is our book giveaway program. |
| 1:14.0 | We're trying to give a copy of the White Coat Investor's Guide for Students |
| 1:17.1 | to every first year medical, dental, et cetera, student in the country. |
| 1:22.8 | But you got to sign up, whitecoatinvestor.com slash champion. |
| 1:27.4 | What you're signing up for is to be your |
| 1:29.5 | class champion to pass the books out. So if you sign up, we send you a couple of boxes of books, |
| 1:35.0 | one for everybody in your class, and you pass them out. That's it. We give you some swag. That's the |
... |
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