Docs Outside The Box
Hosts Dr. Nii (Ghanaian) and Dr. Renee (Haitian) are first-generation physicians who paid off $662,000 in student loans in 3 years - while figuring out contracts, career moves, and money management that their colleagues learned at home.
Every episode covers what first-gen docs need to know:
- Contract negotiation and career decisions
- Paying off debt without family financial guidance
- Building wealth from scratch
- The questions you don't know to ask (but your colleagues already knew)
Real strategies from doctors who had to figure it out on their own.
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Download: The First-Gen Doctor Blueprint
Episodes
562 episodes
Is 40 Too Old For Med School? Here's The Truth. #476
Two first-gen doctors answer your real questions: How to open a business bank account, and whether starting Medical school at 40 is still possible. This week's Q&A covers two questions that represent completely different stages ...
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Episode 476
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57:03
How We Paid Off $662K With No Family Help #475
In this episode, we share our complete story - how we went from $662,000 in medical school debt to completely debt-free in just three years, as first-generation doctors without any family financial blueprint.You'll hear:
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Episode 475
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27:49
Are You Ready for Locums? #474 Part 4
We answer a listener who asks how to know if locums is the right move and whether they’re truly ready for independence. We break down confidence, clinical readiness, and the mindset shift needed to succeed as a 1099 physician.This epi...
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Episode 474
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16:06
Life With a Tenant Upstairs + Kitchen Renovation #474 Part 3
In this episode we're discussing a life update which is renting out part of our home + kitchen renovations we are doing.We are breaking down the financial lessons we’re learning as a physician household with tenants. FREE DOWNLO...
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Episode 474
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17:28
Wale’s New Album “Everything Is A Lot” + HSA Deadline #474 Part 2
In this episode, we’re diving deep into: 1. Wale’s new album. Is it worth playing in the OR? A quick, fun review: focus, vibe, and OR compatibility. 2. HSA Deadline Reminder. LAST MONTH to co...
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Episode 474
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16:51
DOE Says Nursing Isn’t a Professional Degree?! #474 Part 1
This episode hits EVERY corner of healthcare. Medical students, residents, nursing students, and attendings. We’re diving deep into: 1. The Department of Education’s classification of nursing as not a professional degree...
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Episode 474
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27:35
PSLF Guilt, Family Expectations, and Financial Reality. #473 Part 2
We tackle a raw listener question about carrying $520k in med school debt, feeling guilty about pursuing Public Service Loan Forgiveness, and navigating first‑gen family expectations. We break down what PSLF really is, why it exists, and how to...
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Episode 473
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17:36
ACA Premium Spike 2026: What Doctors, Residents & 1099 Physicians MUST Know. #473 Part 1
The Affordable Care Act marketplace is facing a massive premium spike in 2026 — and Congress is running out of time to stop it.In this episode of Docs Outside The Box, Dr. Nii and Dr. Renee break down exactly why ACA premiums are i...
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Episode 473
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32:23
Q&A Locums And Life Between U.S.A & Ghana With $478K Debt. #472 Part3
Send us a Voice Message - https://www.speakpipe.com/docsoutsidetheboxHave a question for the podcast?Text us at 833-230-2860We help a graduating resident ...
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Episode 472
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13:52
Top 5 Financial Moves That Actually Changed Our Lives. #472 Part2
Send us a Voice Message - https://www.speakpipe.com/docsoutsidetheboxHave a question for the podcast?Text us at 833-230-2860In this episode, we pull back ...
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Episode 472
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45:47
Honoring D’Angelo: What Brown Sugar Meant to Me Growing Up #472 Part1
Send us a Voice Message - https://www.speakpipe.com/docsoutsidetheboxHave a question for the podcast?Text us at 833-230-2860In this episode, we paid a tri...
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Episode 472
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27:39
REPLAY: What is a 1099? Non-traditional pre-med advice #357
Drs. Nii and Renée do a semi-ok job at explaining the difference between 1099 independent contracting and W2 employment. Dr. Renée runs down the ways in which we give up control of our careers to others. Then the docs meet long-standin...
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58:44
REPLAY: Sharing finances as a physician couple #428 , pt2
0:01 Should Married Couples Combine Finances?8:50 Financial Planning in Relationships16:32 Financial Transparency in Marriage20:54 Financial Involvement in Relationships28:29 The Benefits of Combining Fi...
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43:55
Can Busy Moms Really Do Locum Work Without Having Mom Guilt? #471 Part 2
Send us a Voice Message - https://www.speakpipe.com/docsoutsidetheboxHave a question for the podcast?Text us at 833-230-2860In this episode, we...
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Episode 471
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21:23
A Recap Of Our Wonderful Trip To Ghana. #471 Part 1
Send us a Voice Message - https://www.speakpipe.com/docsoutsidetheboxHave a question for the podcast?Text us at 833-230-2860In this episode, we...
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Episode 471
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37:08
REPLAY: Money Trap #4 - Debt is not a substitute for cash! #303
In this episode, Renee & Nii discuss how the common forms of debt (student loans, consumer debt, mortgage) keep you stuck in the rat race and burnt out!Things to expect in this episode:Renee clarifies how much ...
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59:01
REPLAY: Starting a Locums Company, Navigating Insurance & Why Consider Locums. #432
What if you could reshape your career and lifestyle with the freedom and flexibility you’ve always dreamed of? In this episode, we explore the exciting world of locum tenens work, sharing insights on how to start your own locums company, medica...
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40:08
How to Pay for Med School After Loan Changes! #470
Send us a Voice Message - https://www.speakpipe.com/docsoutsidetheboxHave a question for the podcast?Text us at 833-230-2860In this episode, we...
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Episode 470
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47:59
REPLAY: From panic attacks to beautiful artwork. Medicine is artistry for this doc #285
Dr. Lucie Mitchell is a long time listener of Docs Outside. She joins Dr. Nii today to share her story about how a major panic attack in the last 3 months of residency training led her to pay off $70,000 of student loan debt in less than a y...
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45:50
What Happens When Doctors Make MORE Money on TikTok Than in Hospitals. #469 Part 3
Send us a Voice Message - https://www.speakpipe.com/docsoutsidetheboxHave a question for the podcast?Text us at 833-230-2860The medical profession is faci...
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Episode 469
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15:57
Student Loan Forgiveness Is PAUSED! What Happens Now? #469 Part 2
Send us a Voice Message - https://www.speakpipe.com/docsoutsidetheboxHave a question for the podcast?Text us at 833-230-2860When the "big beautiful bill" passed, all...
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Episode 469
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26:56
The Tragic Loss of Malcolm-Jamal Warner & Water Safety Tips. #469 Part 1
Send us a Voice Message - https://www.speakpipe.com/docsoutsidetheboxHave a question for the podcast?Text us at 833-230-2860The sudden passing of Malcolm-...
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Episode 469
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22:49
REPLAY: She's delivered a baby on almost every continent! #309
Nii brings talks to Dr. Rachael Consoli, an OB/GYN who presently is working in a United States military hospital in South Korea and has the unique distinction of having delivered babies on nearly every continent in the world. Listen in as Nii a...
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38:20