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Most clinicians try to “fix money” by making one small move at a time.

It feels responsible. It also usually changes nothing.

In this solo episode, Kristin walks through what it actually looks like to overhaul your money systems in a way that finally moves the needle—by connecting income, debt, and investing into one plan (instead of treating them like separate problems).

Inside, you’ll hear:

The one reason “small improvements” still leave people stuck

The hidden gap most clinicians don’t realize they have until it’s expensive

The student loan decision that looks smart short-term but gets brutal later