Hello, med students. My name is Zach Olson, and thank you for downloading this month's episode of the EM Clerkship Podcast.

This episode is sponsored by Pearson Rabbits, my personal disability and life insurance agent.

Four years of undergrad, four years of medical school, at least three years of residency and

potentially a fellowship, by the time you are done with training, you will have spent over a decade

making a tremendous educational, financial, and career investment in yourself, in your patients.

You likely have a few hundred thousand dollars in debt that is not dischargeable in bankruptcy

and accumulating interest at a pretty sickening speed.

You also have deferred 10 years of retirement investment.

You've deferred that first decade where that compound interest really starts to add up

and work in your favor and you've delayed that.

And because of those two

factors, even the most financially savvy physician is significantly less financially ahead than their

salary would make you think. If you lose your income due to disability, it's an extremely

bad financial situation to be in. And so you need to be smart.

You need to be careful here.

Go to www.

www.

Pearsonravitz.com, set up an appointment to get all your insurance questions answered.

You should be buying this as a resident.

Now, to our episode for this month, we're not going to do an episode of the game this

month.

About a year ago, I did a

...