WCI #455: Student Loan Forgiveness, Taxes, and Retirement Accounts
White Coat Investor Podcast
Dr. Jim Dahle of the White Coat Investor
4.8 • 2.4K Ratings
🗓️ 22 January 2026
⏱️ 38 minutes
🧾️ Download transcript
Summary
In today's episode, we're answering your questions about student loans, taxes, and what to do next once you're already doing a lot of things right. We talk about Borrower's Defense cases and when the government might actually forgive your loans, then dig into smart loan repayment strategies. We also cover investing after you've maxed out your 403(b), what to know after doing your first Mega Backdoor Roth and solo 401(k), and a few tax form gotchas. We wrap up with how to think about cash balance plans when you still have a long runway to invest.
Today's episode is brought to us by SoFi, the folks who help you get your money right. Paying off student debt quickly and getting your finances back on track isn't easy, but that's where SoFi can help — they have exclusive, low rates designed to help medical residents refinance student loans—and that could end up saving you thousands of dollars, helping you get out of student debt sooner. SoFi also offers the ability to lower your payments to just $100 a month* while you're still in residency. And if you're already out of residency, SoFi's got you covered there too.
For more information, go to https://www.whitecoatinvestor.com/Sofi
SoFi Student Loans are originated by SoFi Bank, N.A. Member FDIC. Additional terms and conditions apply. NMLS 696891.
The White Coat Investor Podcast launched in January 2017, and since then, millions have downloaded it. Join your fellow physicians and other high income professionals and subscribe today! Host, Dr. Jim Dahle, is a practicing emergency physician and founder of The White Coat Investor blog. Like the blog, The White Coat Investor Podcast is dedicated to educating medical students, residents, physicians, dentists, and similar high-income professionals about personal finance and building wealth, so they can ultimately be their own financial advisor-or at least know enough to not get ripped off by a financial advisor. We tackle the hard topics like the best ways to pay off student loans, how to create your own personal financial plan, retirement planning, how to save money, investing in real estate, side hustles, and how everyone can be a millionaire by living WCI principles.
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00:00 WCI Podcast #455
03:08 ACATS Fraud Update
07:54 Borrower Defense Loan Forgiveness
11:26 Student Loan Repayment Strategies
20:01 Am I Missing a Retirement Account?
27:15 Taxes & MEGA Backdoor Roth
31:45 Cash Balance Plans
Transcript
Click on a timestamp to play from that location
| 0:00.0 | This is the White Coat Investor podcast, where we help those who wear the white coat get a fair |
| 0:04.8 | shake on Wall Street. We've been helping doctors and other high-income professionals stop doing |
| 0:09.6 | dumb things with their money since 2011. This is White Coat Investor podcast number 455. |
| 0:19.1 | Today's episode is brought to us by SoFi, the folks who help you get your money right. |
| 0:23.2 | Paying off student debt quickly and getting your finances back on track isn't easy. But that's |
| 0:27.5 | where SOFI can help. They have exclusive, low rates designed to help medical residents refinance student loans. |
| 0:33.0 | That can end up saving you thousands of dollars, helping you get out of student debt sooner. |
| 0:37.1 | SoFi also offers the ability to lower your payments to just $100 a month while you're still in residency. |
| 0:41.8 | And if you're already out of residency, SOFI's got you covered there too. |
| 0:45.2 | More information, go to SOFI.com slash white code investor. |
| 0:48.6 | SOFI student loans are originally by SOFI Bank and a member FDIC additional terms and conditions apply, NMLS 696891. |
| 0:55.8 | All right. |
| 0:56.7 | We've had Gretchen Green on this podcast before, or at least a couple of times. |
| 1:01.8 | Gretchen's one of our partners because she offers you something we don't. |
| 1:06.5 | She calls it Expert Witness Startup School. |
| 1:09.4 | And the enrollment for this is January 14th through the 26th. |
| 1:13.8 | So you got four days from this time this podcast drops. Expert witness startup school. |
| 1:18.8 | And all you got to do is go to whitecoatinvestor.com slash expert witness to sign up for this. |
| 1:24.9 | Well, who's this for? This is for you if you're thinking about a side gig |
| 1:27.9 | as an expert witness, which can be not only a cool way to use your expertise to make a little |
| 1:33.5 | bit of money, but also a chance to contribute, right? A lot of these contributions are defending |
| 1:39.0 | people whose care has been perfectly fine. Obviously, if you're a good expert witness, |
... |
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