Doctor Money Matters

Transcribed by Google Voice recognition. Please excuse any transcription errors.

Episode 19 Doctor Money Matters.

On this episode, my guest is Dr. Bonnie Koo, a dermatologist/finance blogger who is helping educate physicians about the essentials in personal finance. Since we recorded this episode, Bonnie has had many changes in her life including becoming a mother, moving from NY to Philadelphia (Super bowl Champs) and changing her practice type from employed to private practice. Many of you may have heard Bonnie on the Hippocratic Hustle podcast hosted by my fellow physician and podcaster Dr. Carrie Reynolds. In this episode, we talk about some of the issues for those in high income areas, how Bonnie transitioned from a different field into medicine, and how she became interested in finance. She is well on her way to achieving financial success despite a later start in the medical field than most. Since the last episode, the stock market had a minor correction. Its important to not let the swings in the stock market change your overall investment mindset. This is just noise and it should not deter you from investing. If anything, consider the recent drop which has partially recovered, a small sale. Cryptocurrencies on the other hand have had a major correction, which also have partially recovered. I am not going to give any recommendation on those however. Bonnie’s Blog is at www.missbonniemd.com Please let your friends know about this podcast by sharing it on text, whatsapp or whatever social media platform you are on. More episodes of this podcast are available at www.doctormoneymatters.com and Apple Podcasts, Google Play, Stitcher, etc. All episodes are also now on YouTube (Audio only) and Facebook. You can follow me on twitter @drmoneymatters Please consider joining the Doctor Money Matters Facebook group. Thanks for listening and please leave us positive reviews and continue to share this podcast with your colleagues.

Transcript

Main Intro 

Dr. Tarang Patel: 
[0:17] Okay thanks for joining me on another episode of the doctor Money Matters podcast my guess today is dr. Bonnie Koo and dermatologist and financial blogger was helping educate Physicians about the essential oils in personal finance.

[0:30] Since we recorded this episode by has had many changes in her life including becoming a mother moving from New York City to Philadelphia the home of the Super Bowl champion Eagles.

[0:40] And changing her practice from an employee practice to a private practice Ma.

[0:46] Many of you may have heard Bonnie on the Hippocratic hustle podcast hosted by my fellow physician podcaster doctor carry rental.

[0:53] In this episode we talk about some of the issues for those in high-income areas how Bonnie transition from a.

[1:01] Different field into medicine and how she became interested in finance she’s well on her way to achieving financial success despite a relatively later start in medicine than many of your calling.

[1:14] Since the last episode of the stock market is that a minor correction it’s important not to let the swings of the stock market change your overall investing mindset.

[1:25] It’s just noise and shouldn’t deter you from investing if anything consider the recent drop which is partially recovered a small sale.

[1:34] Cryptocurrencies on the other end of had a major correction which is also partially recovered. no recommendations on cryptocurrencies however.

[1:43] Okay without further Ado Miss Bonnie MD.

Tarang Patel, Do: 
[1:47] Welcome to another episode of the doctor Money Matters podcast My guest today is Bonnie Koo MD from Miss Bonnie md.com she’s a dermatologist in Brooklyn and you work out in Long Island is that correct?

Bonnie Koo, Md: 
[2:03] Yes so that the commute is not the greatest.

Tarang Patel, Do: 
[2:06] But you do live in one of the more expensive areas in the country which will definitely talk about but before we talk about the financial topics just tell me a little bit about your background what got you into medicine and dermatology specifically.

Bonnie Koo, Md: 
[2:21] Sure so I grew up in the New York area pretty much my whole life I grew up in New Jersey and then I went to,
College in New York City at medical school I went to Barnard college versus an all-women’s School part of Columbia University,
and then I did medical school at Columbia as well but I had a little bit of a detour I didn’t go to med school until I was 27 I actually worked at Morgan Stanley for about 4 years.
That is a banker though I worked in their Technology Group so actually worked as a Unix systems administrator I’m not sure if you know what that means.
I don’t I don’t remember what that means either to be honest.

[2:59] If a car has been somewhat helpful with blocking actually with your deciphering some CSS code and try to do things myself but any case I did that for 4 years even though I had no background in that I majored in Biochemistry.
In college but actually worked at the computer lab is my part time job during college so that job is actually.
A direct line to working for Morgan Stanley apparently it’s a lot of people end up working there but,
anyway it was really great working there it was nice to have a job and then I was paid pretty well my plan was to work there for maybe a year or two and then go to medical school so,
still intended to go there but just kind of took a little bit longer and you want to keep raising your salary and give you nice bonuses it’s hard to.
Eventually you know I knew this wasn’t the job I want to do forever so I eventually applied and that kind of brought me to where I am now but in terms of Dermatology.
I think would have started med school and it wasn’t even that long ago but I was interested in both medicine and dermatology and I really liked both quite a bit.
And the.
I guess they said of the Nets that I really enjoyed was for the interface between medicine Dermatology so specifically inpatient consult,
so that’s actually what I do now so I’m over by the Sea program and when I started I was the director of the,
inpatient Derm cancel service where I work right now.
And but I sold mainly see patients in the outpatient setting but I also see patients in the hospital which most dermatologist don’t do.

Tarang Patel, Do: 
[4:31] It’s true it’s a rare sighting when we see a dermatologist at our facility but that’s good I’d say you’re an academic medicine so what made you interested in the financial aspects in Dino starting your blog.

Bonnie Koo, Md: 
[4:46] So that’s.

[4:49] I didn’t know anything for a very long time the only thing I knew was I would look at my paycheck literally before I want to spend money on if there’s money there in like how I could spend it that’s literally how I conducted myself which was not good obviously so I actually,
author of money during residency and definitely was not living within my means and then my flasher residency just overheard some co-residents,
those guys talking about money and they talk about money all the time so they both were into investing and so I kind of knew that about them but this time I guess I kind of was more interested in what they had to talk about and they kind of looked at me and said hey you should read that book the white coat investor,
and I did I bought it and I read it and that’s kind of when it starts basically so really I I kind of feel like I.
Learn it at the right time because I think once you become an attending and you can develop some habits it’s so much harder to reverse I think.

Tarang Patel, Do: 
[5:44] Absolutely and you’re you’re right learning as a resident or even as a med student is ideal but I take whatever you can get your head wrapped around some of the concepts that dr. Ali talks about in his book.
It always is always good but definitely the earlier you can do that the better off you are.
So let’s talk about a little bit about your website so where is Miss Bonnie MD and what are you trying to do with that.

Bonnie Koo, Md: 
[6:10] So the reason why I even started was the others as Facebook group online you may have heard of The Physician moms group.
That’s sort of the large group of physician mom has to be mom to be in it cuz I was not a mom or pregnant when I joined the group,
more open but yeah there’s a lot of spin-off groups for every topic you can imagine like literally and then for every location so there’s one for New York City there’s one for every major city is a great way to network but there’s one for personal finance and I think,
SRTA bus I got into one of my another dermatologist friend who was in the group she’s like oh you know I should add you to this group so I just you know she added me and then.

[6:55] I sort of noticed that I had a certain knowledge base and.
And I notice I was sort of Saint answering the same question over and over again and running at the same thing it is kind of hard Jim got started actually so and then add a few friends City to you really should start a blog know the only people out there are men.
That’s kind of how it’s got started but I don’t really have a sound like I had a vision in my when I start I just.

[7:19] Peter had some things to say and some topics and so it’s kind of how it started and then I kind of like Jamie basically write about what you know what pertains to you so that’s kind of how I started.

Tarang Patel, Do: 
[7:30] And so as you if you know you’ve been working on this blog and and and talking to your colleagues other female positions on the Facebook group what are some of the common issues that that you’re seeing.

Bonnie Koo, Md: 
[7:43] I think the same things that come up for the non female visit you know basically life insurance disability insurance you know I think there’s a lot of its,
they’re not topics that are easy to understand. You know I’ll be honest when I was a resident I did hear about disability insurance a lot actually there is one resident a few years ahead of me had it,
and so she actually would organize is a little dinners with her disability insurance agent and I want to thank those free food you know how it is,
I honestly had no idea what it was it sounds like a scam to me at the time to remember.
Hearing about how much it would cost me on his present like anything over a hundred bucks a month is like what I’m not paying that so I just kind of ignored it.
I see that a lot it’s you know it’s.
Does different companies offer all these different writers I made it safely not an easy topic understanding for women is much more expensive for us in general,
and then especially if you’ve had if you get it after you’ve had children things that really are not medical issues these companies consider as medical issues and we’ll sort of ding you for that for example did you know that having a c-section is considered,
best going through infertility treatments.

Tarang Patel, Do: 
[8:53] I didn’t know that but honestly the way insurance companies work I’m not surprised.

Bonnie Koo, Md: 
[8:56] Yeah so love and don’t know this and they’re surprised and really upset about this so you know something I really try to tell women is you know even when you’re single and.
That’s actually the best time to get these insurances so.

Tarang Patel, Do: 
[9:11] Early is good but like you said it’s really tough to convince.
A resident to put money out for something that they statistically there but they’re not going to need it for a long time at least but the icky advice I think that most people would tell you to try to get it.
Before you finish training but earlier is better even if you do it as a younger attending.

[9:31] So so yeah I know that’s good and you’re right I think most of these issues are not specific to women positions are just just specific to people in general but it’s good that you’re able to find a voice within that community and and help out.
Are physician colleagues and the podcast that you do with Carrie Reynolds hip hop hustle podcast.
Pretty open about your financial goals you actually had an article that came out today actually published numbers.
That you want to achieve tell me a little bit about that first of all why are you so open about it I think most most doctors are very close about those kind of topics and I’m glad that you are open and then specifically how you know you’re you’re trying to get.

Bonnie Koo, Md: 
[10:17] Yeah well.
I think Jim and session of fire pretty open about their certain aspects of their financial life and so I just feel like you know the more people want to see examples of things,
so that’s how you relate I guess two people so I have no issues putting my goals out there you know whether I’ll meet them is another story right but it’s it does definitely.
Put me on the spot the spotlight but sir to keeps me a little bit accountable like I definitely feel like oh I really got to stick to the plan I’ll let you know obviously things can change but.
I think it actually is a good motivator and that respect but in terms of the number is so you know we chose you know we mean.
Me and my fiance sort of not based on spending habits where she still trying to figure out what are true spending is actually just added him to my YNAB budgeting system,
so like literally the first of July so we’ll see how he does I think he spends more than he thinks but we’ll see. A spender but you know a little bit here and there and people don’t you know if you don’t track your spending you really don’t know what’s going on so.
We just kind of picked a number that seems reasonable to us so I think.
Our financial Independence number we picked is 5 million so that would give us approximately 200 Grand a year of income butts before being taxed obviously so I think that’s a lot more than we would need but I guess you know,
we’re hoping to still be,
still physically active and mentally and we would like to travel and started because I didn’t save enough money.

[11:58] So I think three million would actually be more than a sufficient but as you know.
Skulls change Health changes with the future cost of healthcare as a big unknown so I just I just feel like the more the better.

Tarang Patel, Do: 
[12:10] Right right and then and that’s true you can only plan for what you can anticipate but you’re absolutely right we don’t know what’s going to happen with health care cost weed.
No changes in in political administrations will always impact those type of things so that you know you do the best you can do.
And generally being a little bit more conservative you know exactly what you’re saying is you don’t Maybe,
planning a little bit more savings than what you initially thought is never a bad thing but you know but that being said it seems like a really tough number especially when you’re a young resident or just just getting out and you have.
All these student loans and things like that so to get to this number whether you talk about it.

[12:53] What kind of savings rate do you you know do you think that you have to have to do that and and is it really impacting your lifestyle currently.

Bonnie Koo, Md: 
[13:03] Ask her a question I mean so obviously they pull these numbers out of a hat and terms of are we going to reach them in x amount of years we sort of did some planning.
So we actually have a fanshel advisor so she,
confirm that we would meet these numbers at these times but sometimes I’m I’m like are you sure it’s like I just realistic but I do trust her so,
but I have figured that out on my own to just using simple compound interest calculators and are how much money we’re putting away that it was feasible but.
Between the two of us we actually have a lot of tax advantage retirement space something to the order of 80 or $90,000 a year that’s before we even have to contribute to a taxable account.
That’s a pretty large amount that’s mainly because I have a 403b of 457 b a through my hospital system they actually have a generous contribution that sends up smell like $20,000 a year there’s there’s some cash pension plan.
they completely fine. I don’t contribute just a lot but you know so I’ll take its free money right we both do a backdoor Roth IRA.
And he has a 403b through his work so.

[14:10] And you know he is not a physician and he had been working for some time so he had some money already saving his accounts as well.
But we plan to continue to save pretty you know so our goal is to basically max out all these accounts before.

[14:27] Paying off debt which is basically my student loans and I guess his mortgage.

Tarang Patel, Do: 
[14:31] And so when you talk about this number is that assuming that at that point in the mortgage and everything else your loans will be paid out that you is that what you’re saying and then you hit this number.

Bonnie Koo, Md: 
[14:43] I’m at the 5 million.

Tarang Patel, Do: 
[14:45] Yeah I’m just trying to figure out because you know it is either you’re still going to be.
So on your website about 5 million by the 2031 you’re going to be 54 so you really.
United the general retirement age so if you start withdrawing from taxable Accounts at that point you know you going to be paying additional penalties and stuff like that.
Shiny brass your thought process a little.

Bonnie Koo, Md: 
[15:08] Oh yeah sure so I actually just,
does the North country with my loans and they should be they should be paid off by the end of 2020 although it might go another year setsuna Within,
yeah I have about $150,000 left at this point and I ate there both refinanced I could have taken advantage of Public service loan forgiveness but I totally missed that boat I would have had like two or three years left at this point but it’s all right you know.

Tarang Patel, Do: 
[15:34] Right right well a lot of people I mean I know that in my,
residency group I think the majority of us didn’t even know about this type of thing you know so yeah I’m happy for them but most people I have probably.
Not qualified or at least extended their windows so you’re part of it you’re part of the majority on that.

Bonnie Koo, Md: 
[15:58] Yeah so I but they’re my laundry files to very low you know very good rates one of them actually fix at 2.25% so I’m not too upset about that so they’re they’re kind of on autopilot and I basically yeah pay the,
what are the required monthly amount is plus the way I’m paid as I’m paid a base salary and a bonus and I pretty much pretend I don’t get a bonus cuz it is variable so I just threw most of the bonus at the debt.

Tarang Patel, Do: 
[16:24] And you I mean are you factoring in you think you’ll stay at this job through your numbers that you’re calculating or even if you change careers rather go to private practice or something like that.

Bonnie Koo, Md: 
[16:36] I’ve no idea how long I mean statistics will say that I probably won’t be at this job forever,
so my immediate goal is to see how fast I can go to a party tonight,
practicing for 2 years but I think the commute is getting to me so I think supposedly after I come back from maternity leave I’ll be getting 2 days very close by in the city so I don’t have to drive,
so much so I think that’ll be a big change to my quality of life right now.

Tarang Patel, Do: 
[17:06] Well it’s actually so kind of diverging from that the topic just a little bit you have only been practicing for a couple years and you’re talking about going part-time and and that seems to be a big topic amongst a lot of Physicians and.

[17:21] Whether you’ve been practicing all your short time or the ones who have been practicing out for 15 20 plus years.
Why do you think that is it in obviously something to do with a degree of burn out.

Bonnie Koo, Md: 
[17:33] Yeah I think I can only speak for myself obviously so first of all I feel,
kind of weird saying this but you know full time dermatologist 4 days a week first of all it’s not 5 to 6 so you’re my fiance actually says I already work part-time,
but I think if you a couple of my commute then it’s it makes it pretty bad my team could be anywhere between a 2 and 3 hours a day,
times for so it adds on quite a lot of time and then just frustration with traffic but I think I don’t know if burn out.
Is the right term but I think you know the practice of methi already I’ll just write it just like I love being a dermatologist but.
I’m sure you love being a radiologist but you know that they’ve made it much harder to just practice medicine it’s paperwork the ammar’s all these requirements these licenses you got to renew every year that I guess it’s just money but.
And then I think there’s a complete shift in the mentality of patients that were this customer service oriented profession or not they’re able to write Yelp reviews and then we can’t write back because of HIPAA.
My Hospital participates in Prescott I don’t know if yours is at 2 so when I first started practicing and I got my first bad review and it was heartbreaking to get that.
I mean I know I’m not going to make everyone happy,
Oriole to treat everyone we obviously think I’m a very good dermatologist but I don’t know everything but I think it’s it’s it’s become too easy for patients to complain about doctors and in my opinion they really are not qualified to make that.

[19:03] I mean they’re not. They don’t they don’t they don’t know medicine so obviously if a doctor treats them poorly in terms of if you know being tree that’s a different story but I don’t think patients are qualified to say whether the doctor did a great job or not so.

Tarang Patel, Do: 
[19:17] Right now it’s it’s true and I think a lot of these external factors have become just more and more.
Of an issue and I think as Physicians are losing.
Some control of their own practice is I mean honestly I’m an employee position you’re an employee position and that Trend it has only accelerated over the last you know 5 years and seems to have no sign of changing and so.
When you work on your own practice you know you had control over a lot of different things but now.
Stuff that you talked about with the patient is one aspect but then you have administrators on the flip side making issues about things also and so I think those kind of things that as positions of lost control over time.
The overall Joy I think is been slowly you know sucked out of a lot of medicine again like you said that you love Dermatology I really do love like Radiology I actually like doing the practice Radiology it’s the other stuff.
That seems to be encroaching more and more upon my time and so.

[20:20] That that’s the issues I think many of his face singing I think that’s one of the reasons that you start seeing these these topics about gaining Financial Independence in and just.

[20:29] Whether you gain Financial Independence to retire early or not it is you know not the point I think the job satisfaction that people will will have when they don’t have to work.
Seems to also change a little bit so you know that you always leave the job if you absolutely hated.

Bonnie Koo, Md: 
[20:48] Yeah I mean I think most of us can say that if your employed look we both are that there is there’s expectations of how many.
For me how many patients to see etcetera and,
am I sort of Ideal World when I can you know work or basically work less than oh I don’t need a full salary I would like to go from being having five patients on my schedule to maybe you know for things like that were you know I can really just,
really enjoy being a dermatologist and not have to worry about meeting numbers and things like that so that’s also something I’m looking forward to it as well.

Tarang Patel, Do: 
[21:20] Right right so,
I think you know I think the lot of these logs such as yours and they convention position on fire obviously white coat investor are are great for doctors and however they get this information I think it is,
it all timidly benefits all of us as physician so I want to thank you for,
empowering positions to kind of take some Financial control I wish they taught the stuff in medical school but you know we’ll take it wherever we get the information from let me talk about a little York so you do have you know a Heights.
High Cost of Living compared to most of the people in in the in the u.s. how is that impacting you because generally speaking.
Most Fields you know New York tends to pay correspondingly higher but obviously medicine a lot of us know that.
It tends to work inverse you you’re the higher cost of area and you get paid less competitively so.

Bonnie Koo, Md: 
[22:15] I know that’s a huge bummer.
Yeah I grew up in this area so my parents are in New Jersey and not too far away and then.
I guess I can call myself a New York I think once you’ve lived here for 10 years you’re allowed to call yourself a New Yorker so I think if you know from here and you love New York City if it’s a hard place to leave although I’ll be honest like we are not.
Mary just staying here forever like I think we both really enjoy it now,
but it’s not something else you know we have talked about leaving New York City you know maybe in 5 to 10 years but in terms of the other cost of living is astronomical I mean the rent it I think housing is really the,
the big cost I mean it’s it’s not unheard of to hear of people spending half their paychecks on rent so.
I think doctors to you don’t because you’re married and you have kids like you know you’re going to have at least a two bedroom.
Two bath apartment and that’s actually a lot of money in New York city so,
the reason why I can still save the money that we talked about earlier. Where is mainly because my fiance,
bought his condo in 2000 so some people make fun of me and think the only reason why with him is because for a cheap condo you know what he just,
it’s not like he was thinking that this is going to be a great investment he literally bought this condo for a down payment of $20,000 which yearly.
What can I get you anything in terms of real estate at this point so it’s it’s it’s very small actually discuss house I think it’s.
And publicly I said it’s 730 square feet which for most people that don’t live in New York City would be completely unacceptable it’s a two-bedroom one-bath it’s in a great part of Brooklyn.

[23:54] The value has gone up significantly since he bought it and the mortgage is ridiculously low it’s it’s so low that you can’t you can barely even rent a room for that price list put that way.

[24:06] So that’s that obviously helps.

Tarang Patel, Do: 
[24:08] I know that’s definitely true I did my residency in New York.
What are the positives of the program had at subsidized housing and you know what.

[24:20] Whenever we had residents come by medical students come by for interviews the department and stuff but ultimately say can we see you guys Apartments.

[24:34] And so you don’t even at the time it was still if you can talk to some of the people from the wrestler country 10-12 years ago.
One bedroom 700 square foot apartment that’s fine it was like 1300 and that was subsidized at that point it would have been like 2500 for.
Unsubsidized housing but now I’m sure it’s you know closer to $4,000 but yeah.

[24:58] Although I do regret in a sense because it was around the time that your fiance bought his condo I regret not.
In thinking about buying it at that point because I had a friend who did and she did extremely well you know even though it was tougher to do as a as a resident but definitely cost.

Bonnie Koo, Md: 
[25:15] Mindset yeah.

Tarang Patel, Do: 
[25:16] Yeah yeah I wish I had the white coat investor stuff back then.

Bonnie Koo, Md: 
[25:20] Right yeah I think the value of his condo has quadrupled since you bought it.
So when you bought it was actually what crappy neighborhood that happens a lot in New York City where you yes just become so gentrifying the last 20 years but it literally was not a great place to live at all but the kind of give you a sense of how,
great it is now is a we live next door to Blue Bottle Coffee.
Which is a very nice coffee place based out of San Francisco and we live 2 blocks from the only Trader Joe’s in Brooklyn.

Tarang Patel, Do: 
[25:51] Nice picture.
I think what I was living in New York in a Brooklyn.
Had slowly start identifying wood stove is a mostly Park Slope and some of the other areas and and Dumbo was just getting started so I know that those things are in obviously Brooklyn has become even more and more.
How does in Manhattan to a degree because it seems like a lot of good restaurants and things are now in Brooklyn.
So I need to make a trip out to Brooklyn now instead of just going to Manhattan whenever I come out there.
But good well I think this has been a good discussion I’m glad to see that pretty much no matter where where Physicians are we we can evolve.
At least in the u.s. there are facing some of the same issues and I think lack of financial knowledge is has been a big problem and previously doctors could kind of overcome. Just because.

[26:45] Their incomes were so high and loans and things weren’t so bad but now you.
You really have to do this early on or you’ll heal face these issues for a long time so let me know.
Just kind of you know if it is any bit of advice that you would have to someone who’s in medical school or residency now like what’s one thing that they could do to.
To kind of get on the right track.

Bonnie Koo, Md: 
[27:09] I honestly think the other loves you so many things I could,
discuss but I think the top thing mainly because I wish I did this was just really live within your means I mean,
you can’t live within your means as a resident you’re in trouble and I think one thing to keep in mind is your the rest of most of America lives on a resident salary or less.
And she’s a family of four like actually my family growing up and I had a brother so you know.
Two two adults two kids I think we never really brought in much more than 50 or 60 Grand a year or so but I don’t know for sure what they made but.
I think if you really remember that.
It. Only gives you perspective for yourself that you know you should be able to do this to you don’t need to lease that Mercedes during residency I see a lot of residents doing that to be honest and also I think it gives you perspective as a position cuz most of your patients are not going to be wealthy.

Tarang Patel, Do: 
[28:01] Absolutely absolutely agreed to extend that over the first few years as well as a lot of people say you know try to live like a resident for even let you know the first few years just just a hammer those loans down as much as you can.
I just sent your mindset to improve your savings right and things I think definitely good good advice it’s tough to do because lot of us have been.

[28:26] Delayed gratification for a long time going to medical school again allow the long years of training so it’s a tough thing to do but it is very important so.
I think that’s think that’s really good and I want to encourage people to in a visit your website it’s Miss Bonnie md.com and again you can listen to Bonnie on The Hip Hop hustle podcast you can a few times a month is that right.

Bonnie Koo, Md: 
[28:49] Your words were a me for twice a month at this point as you know as a podcast yourself it’s difficult to coordinate,
across time zones across a few times on she’s two hours behind me and she has a daughter and obviously a husband and you just a coordinate with schedules and my fiance start to feel left out,
all the time I spend on this.

Tarang Patel, Do: 
[29:13] Yeah yeah it’s true but it’s it’s well worth your listen and I think you know.
Justin Moore we can kind of become aware of these topics the better off we it we we all will be well thank you Doctor Who for participating in the doctor Money Matters podcast and we look forward.
To seeing what’s new with your blog and learning and kind of checking in with you down the line as you as you pursue Financial Independence.

Bonnie Koo, Md: 
[29:38] Thanks so much for having me.

Dr. Tarang Patel: 
[29:40] I want to thank my guest Bonnie Koo MD for appearing on the show and thank her for contributing to the.

[29:47] Increased awareness of financial matters facing all Physicians encourage you to check out her blog at.

[29:55] Www. Miss Bonnie md.com and listen for her appearances on the Hippocratic hustle podcast as well.

[30:04] Was thank you for continuing to subscribe to this podcast and if you haven’t done so please leave a positive review on iTunes Stitcher Spotify wherever you receive your podcasts from.

[30:18] And continue to share it with your colleagues and anyone you think would benefit from these type of discussions I also encourage you to.

[30:28] Join our doctor Money Matters Facebook group where we have discussions amongst the other members about different Financial topics and also you can follow me on Twitter at Dr Money Matters.

[30:40] More episodes are coming soon so please continue to subscribe to the show.