Hello, med students. My name is Zach Olson. Thank you for downloading this month's deep dive.

But before we get into that, I want to talk about our sponsor for the month.

Again, this episode is sponsored by Pearson Rabbit's Insurance. Stephanie Pearson at Pearson

Ravits is my personal disability and life insurance agent. Disability insurance is something you want to set up sooner rather than later.

And it's really for three reasons.

One, you get discounts. You can lock in big training discounts on your premiums that you pay monthly that stick with you even once you graduate and then your income goes up.

If you buy now, you lock that in and it's one of the reasons why you don't want to wait too.

You might get disabled. It's not common, but it does one of the reasons why you don't want to wait, too. You might get disabled.

It's not common, but it does happen.

I know people that it has happened to.

You could be in residency and have something happen, and you're no longer able to practice medicine.

Keep in mind, this is not just injuries.

This is things like illnesses and stuff, too.

Things with your vision. Let's say,

I know someone who had a visual loss. I imagine cancer and things like that as well.

You want to buy this as early as possible to protect yourself in case something happens.

You're so far into training with all this debt. You really need to shield yourself. And the third

reason is exclusions.

This is one that I didn't realize until I started applying, but you're going to be going

to the doctor, hopefully, and taking care of your health while in med school and residency.

And every little thing that gets tagged in that health record and the thing you get diagnosed

with, when you apply for the disability insurance

...