Host Meredith Lowry sits down with Sarah Catherine Gutierrez of Aptus Financial to discuss the psychology of "caveman brain" spending, the truth about "golden handcuffs," and why every person in America needs to know their personal savings rate.

• Aptus Financial’s Mission: The firm focuses on helping clients, particularly young physicians, "pay themselves first" and invest in tax-efficient ways.
• Accessibility: Traditionally, financial advice required significant wealth, but Sarah Catherine targets clients as "broke as possible" to help them avoid major mistakes early in their careers.
• The Physician Trap: Many high-earning doctors graduate and immediately inflate their lifestyles with expensive homes and cars, eventually living paycheck to paycheck despit ...