**So, what is financial freedom for physicians? It never occurred to me, until one day an extremely wealthy businesswoman asked me, «So, what’s your number?» I thought, «What does she mean?» I’ll explain.**

**We are Red Pill Kapital, with a K.**

**Making money as a physician?**

**golden handcuffs**.

**How long can you survive on your savings alone, if you lose all of your active income?**

**What’s your number?**

**Disability is not a Black Swan event**

**Income vs Expense with disability**

**But I have disability insurance**

**Population is living longer, but sicker, with greater financial needs**

**Most Americans live paycheck to paycheck**

**Being an active wage employee leaves you exposed**

**If you’re an active-wage employee, you’re exposed.**

**These are the things that I want you to think about, immediately.**

**Upgrade Wealth Operating System**

**Debt rules: Arbitrage interest rates**

**power of compounding**is what this is. Let’s take an example. So, $10 invested for 30 years. Simple interest versus compounded rates of return. Let’s say that you had $10 at year one, and you took out $10 at year 30. At a 7 percent rate of return, you’d get $10 principal back. If you had invested without compounding, you would’ve made about 25 bucks, but with compounding, you end up walking away with $80 per $10 invested. That’s the value of compounding. Compounding is essentially a formula that allows you to reinvest that money on a monthly basis, and so you’re making money off of the money that you already invested, and it generates a rate of return. You add that to your principal, so that you make more money off of it. If you don’t have compounding interest, somebody else is eating your lunch.

**Quick analysis compounded returnRule of 72**

**Debt rules: Arbitrage interest rates**

**Retirement financial stability**

**The 4% rule: (traditional investments in a balanced portfolio of stocks, bonds, and cash)**

**What if your income is passive, and is growing >4% (non-traditional, tax-advantaged)?**

**What if your income is passive, and is growing >12% (nontraditional, tax-advantaged)?**

**Is Red Pill Kapital right for you?**

**info@redpillkapital.com**and that’s Kapital with a K.

**Find us at Redpillkapital.com**