Financial Clarity for Physicians
Most physicians spend a decade learning medicine and almost no time learning money. This free course covers the financial principles, mistakes, and frameworks that helped me think more clearly about income, taxes, investing, debt, real estate, and long-term wealth. No hype. No get-rich-quick. Just lessons from a practicing physician who made the mistakes first.
Educational content only. Not financial, tax, or legal advice.
Questions first?Why I built this
As physicians, we're trained to diagnose and manage some of the most complex problems a human being can face. But almost none of us receive formal education in the things that quietly determine our financial lives:
I've watched colleagues earning $300,000, $500,000, even $1 million a year still feel behind and uncertain. Because financial success isn't really about income. It's about making better decisions, repeatedly, over a long time. That's what this course is about.
Take the Physician Wealth Scorecard
Twelve questions, three minutes. You'll get four scores — Financial Foundation, Investing, Tax Efficiency, and Risk Management — showing exactly where you're strong and where you may be leaking money. It's the fastest way to know which parts of the course matter most for you.
Get my score →2-Minute Overview
The course: six modules, 19 lessons
Short videos with written notes and worksheets. Watch in order or jump to what you need.
Rewriting Your Financial Blueprint
Why a high income is not wealth, what wealth actually is, and the money beliefs you carry into every decision.
- Why High Income Isn’t Enough
- The Real Definition of Wealth
- Your Money Identity & Beliefs
The 30-30-30-10 Rule
One allocation rule for investing, saving, living and fun that creates discipline without a line-item budget.
- Introduction to 30-30-30-10
- The Investing Bucket
- The Saving Bucket
- The Living & Fun Buckets
Aligning Spending with Values
Why you buy, how to make purchases you will not regret, and when not to buy at all.
- Why You Buy — Internal vs External Motivations
- How to Make Smart Purchases
- When NOT to Buy
Investing Basics for Physicians
The Buffett/Graham rule, real estate, stocks and angel investing, and how to evaluate a deal.
- The Buffett/Graham Rule of Investing
- Real Estate, Stocks, and Angel Investing 101
- How to Evaluate a Deal
Teaching Financial Intelligence to Your Kids
How to talk to kids about money, model the behavior, and leave a legacy they remember.
- How to Talk to Kids About Money
- Modeling Financial Behavior
- What They’ll Remember (Legacy)
Discipline, Peace & the Long Game
Discipline as architecture, the happiness equation, and clarity as the currency that compounds.
- Discipline as Architecture, Not Grind
- The Happiness Equation
- Clarity as the New Currency
Free physician financial tools
The course references these calculators throughout. All free, all run in your browser, nothing stored.
Net Worth TrackerNew
What you own minus what you owe, allocation breakdown, and a physician-adjusted benchmark.
Retirement AgeNew
The age work becomes optional, based on your savings, contributions, and target income.
FI NumberNew
"How much is enough?" — your financial-independence target and how close you already are.
Rent vs BuyNew
The real math on buying vs renting and investing the difference — with a breakeven year.
Budgeting Calculator
Build a clean monthly budget and cash-flow plan that works with physician income.
Real Estate Cash Flow
Model purchase price, rents, expenses, cap rate, and cash-on-cash on a rental.
Margin of Safety
Stress-test intrinsic value vs price before you commit capital to a stock.
VC & MedTech Upside/Downside
Model asymmetric, dilution-aware outcomes on early-stage and medtech bets.
Oil & Gas Investment
Estimate scenarios and understand the shape of outcomes on a working-interest deal.
Want to go deeper on individual stocks?
This course keeps investing simple on purpose. If you want to analyze individual stocks — reverse-DCF valuations, insider activity, short-seller signals, and bankruptcy screens translated into terms physicians understand — that's what we built Savng for.
And if you'd want a dedicated course on stock investing specifically, tell us. If enough physicians ask, we'll build it.
Selected published Q&As and interviews
A note from Dr. Pouyan Golshani
I built this course because I spent years studying medicine and almost no time studying money. Like many physicians, I eventually realized that earning more doesn't automatically create freedom — understanding incentives, taxes, investing, risk, and opportunity cost matters just as much.
This isn't financial advice, and it isn't a pitch. It's simply the framework and the lessons that helped me think more clearly about financial decisions — including the expensive mistakes I made along the way. If it helps you avoid even one of them, it will have been worth creating.
— Pouyan Golshani, MD
Start the course
Free • No signup • Watch in any order
Written and reviewed by Pouyan Golshani, MD, Interventional Radiologist — Last updated September 4, 2025
Part of the GigHz library: systems doctors were never taught.