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 contribute 

We’re making ours… are you? If you’re a med student, resident, or attending in a high deductible plan, this is the best tax tool available. 

This episode hits home for: 

● Nursing students 

● Medical students 

● Residents & fellows 

● Attending physicians 

● 1099 & locums doctors

● Anyone interested in healthcare policy or physician lifestyle 

If you’re studying, training, practicing, or thinking about locums… this one’s for you. 

Comment Below: 

● Would you listen to Wale’s new album in the OR? 

● Are you making your HSA contribution this year? 

FREE DOWNLOAD -  7 Considerations Before Starting Locum Tenens - https://darkos.lpages.co/7-considerations-before-locums

SIGN UP FOR OUR NEWSLETTER!  

WATCH THIS EPISODE ON YOUTUBE!

Send us a Voice Message - https://www.speakpipe.com/docsoutsidethebox

Have a question for the podcast?

Text us at 833-230-2860

Instagram: @docsoutsidethebox

Email: team@drniidarko.com

Twitter: @drniidarko

Merch: https://docs-outside-the-box.creator-spring.com

This episode is sponsored by 

Set For Life Insurance. What the Darkos use for great disability insurance at a low cost!! Check them out at https://setforlifeinsurance.com/

Transcript

From Nursing Degrees To New Topic

SPEAKER_02 1:43

All right, guys, um, we just got finished talking about the Department of Education classifying nursing, not as a professional degree, and all the implications it has on federal student loans. Make sure you check out that uh segment. Right now we're gonna jump into Wallet's new album, Everything Is a Lot. So, Dr. Renee, I don't know about you, but me, I listen to music while I'm operating. Um, definitely on elective cases or semi-elective cases. You know, if there's a gunshot wound to the belly or what have you, I ain't got time to, you know, nobody has time for that. Yo, I'm bleeding, I'm bleeding. Hold on a second, yo. Let me put on my Spotify. Put up Layland. Put it load up. Put the finger, put the finger right here on the spigot where it's bleeding. Make sure you log in. Swipe left. You're telling the nurse, swipe right, swipe left. Nah, we're not doing that. But on my on my semi-elective cases and elective cases, I play music. I make sure that it's the non-explicit version, because you know why. I don't like you, you just know why. I'm not getting to it.

SPEAKER_00 2:45

But my you don't know who's in the OR. We're like, this is not a sing along, y'all.

SPEAKER_02 2:51

This is not a sing along. You can't say everything, everybody. And I do believe if they sing along, that's your fault for playing that, not their fault. That's that's how I feel. That's that's right. And if anybody wants to at me, come at me. But if you if they say something that offends you and they just were and that was part of the lyrics, that's your bad. You shouldn't have played it. And that's why I played a non-explicit version because I don't feel like snuffing somebody in the operating room. So I just avoid that conflict and don't play it.

SPEAKER_00 3:18

You play music. I just played in mixed company.

SPEAKER_02 3:20

Yeah, you play music.

SPEAKER_00 3:21

I'm doing C-sections. I'm doing C-sections. Most of my surgeries are not elective.

SPEAKER_02 3:27

So you don't want the patient listening?

SPEAKER_00 3:30

Well, my p my patients are awake, first of all.

SPEAKER_02 3:33

That's what I said. You don't want them listening? I know they're awake.

SPEAKER_00 3:38

Yeah, I mean, I think they're no, they're there to enjoy the delivery of their baby, not to listen to my music.

SPEAKER_02 3:45

You make it a pleasant experience for them.

SPEAKER_00 3:48

No, well, I don't know what music they like, and I'm not about to take requests. I ain't no damn DJ. I'm a DO, not a DJ. Okay.

SPEAKER_02 3:57

Well, your boy, I have a uh a list that I've been listening to since what, 2014? I update it all the time. Um, but um for this topic, um Wale's album just came out, Everything Is a Lot. I don't know, Nene, if you're familiar with Wale, um Nigeria.

SPEAKER_00 4:15

I've heard of Wale, but I don't know that I I couldn't name a Wale song, but that doesn't mean I don't know one.

SPEAKER_01 4:21

You're living in a fantasy, talking about uh something that it means to me. You know what?

SPEAKER_02 4:31

My lady, hey, you know, can't you see talking about eternity?

Wale’s Album: Smooth, Lyric, Introspective

SPEAKER_00 4:37

You never heard that song? Wale sings that song?

SPEAKER_02 4:40

No, he doesn't. I sing it. Now, but what you gonna say now? What you gonna say now? I already got I'm 10 steps ahead of you on a joke. I sing it. What? What? All right, listen. Wale's in the same way. Wale came out of a new album. It's great. Listen, guys, this is this is a great album. Great album. Smooth vibe. 2024 to 20, excuse me. Let me clarify. Late 2024 up until now has been a great year for music. We've actually had rappers who are rapping, right? Not like uh characters who just want to rap, right? I'm talking about the Cardi B's, I'm talking about all those. Y'all know who I'm talking about. Dame rapping, right? We're talking about real rappers who are introspective, people who know lyrics, people who understand it's not just about a hook, right? So we started out with GNX, we got into the clips, we got into Tyler the Creator, and now we're talking about Wiley. Amazing case, amazing album. This is great for your long cases. Um, this this there's no chaos in this. It doesn't go up and down, it's just really smooth vibes. And, you know, for me, I don't know about you. I love it when toxicity, I love it when strife hits my artists. Um, because I feel like, you know, when they're going through a divorce or someone cheats on them, or if they got some type of drug habit or something like that, they make great music. You know what I'm saying? Okay, me, that is. I love this.

SPEAKER_00 5:58

That in itself is toxic.

SPEAKER_02 6:00

Listen, I'm being honest. I'm being honest. You don't think people think that about us? If we were going through some issues, you don't think we'd make a better podcast? I think so, babe. I do. I do.

SPEAKER_00 6:08

Okay, I thought you were going to be talking about we make better doctors. I'm like, I think people want their doctors happy all the time. Not too happy, like cocaine happy, but happy all the time.

SPEAKER_02 6:18

Everybody knows when artists, particularly musicians, are going through some shit. Look, we watch, we listened to, we watched the thing on what is it, Jean-Michel uh Basquiat?

unknown 6:27

Yeah.

SPEAKER_02 6:27

Did I say it right? Is it Jean-Michel? Jean-Michel.

SPEAKER_01 6:31

Oh, Jean-Michel.

SPEAKER_02 6:33

Jean-Michel, what do you call it? Basquiat. Jean. Yo, the man had issues. Say it. Jean. Jean. Michel Basquiat. Yo, this guy was talented, amazing, but he had a you know what type issue and stuff. Chaos, right? Yes. But anyway, back to this album. It's not chaotic. This is a vibe. He's going through something. He's letting you know about it. It's great. I think this is a good album for OR. This is hold on. This is a great album for clinics. Um, as long as you play the non-explicit version, you're gonna be all right. So go cop that album, yo. Everything is okay. Yeah, everything's a lot. Go ahead.

SPEAKER_00 7:10

You you just name dropped Cardi B as basically not really rapping. Be careful. You and that's what I was gonna say. Bleep that out.

SPEAKER_02 7:18

That's what it's bleep that out because Cardi B be coming for people, yo.

SPEAKER_00 7:22

Let me get that addie, yo. She wants that Addy.

SPEAKER_02 7:26

She's coming for us.

SPEAKER_00 7:28

Okay. I mean, Cardi B, listen. Cardi B knows.

SPEAKER_02 7:31

She knows. Stop playing. Stop playing. Hey, Cardi B, I drop a lucid and I be in the ER. You know where to find me.

SPEAKER_00 7:45

Oh, Lord, Dr. Love is just gonna be like, yo, we're gonna have to start paying him for basically name dropping him.

Pain Makes Art: Value Versus Popularity

SPEAKER_02 7:51

I ain't paying shit. He don't come on the show. He needs to come on the show more. But you're but guys, go ahead and check that, check out that album. Listen, it's for everybody. If you're a real fan of hip-hop, if you're a real fan of emotion and hip-hop, if you're a real fan of lyricism, um themes, of just in general, getting an album and going through an experience as opposed to just listening for what's gonna end up on the radio, this album is for you. It's a good one. Um, Wale, you know, I I I think without getting too much into the weeds, you know, I I really like Wale because I think he's he opens up about his struggles with really putting a lot of work into all of his albums and only getting a certain amount of success. And he was very, he's very open about that on podcasts, on interviews, and he's like, look, like I put in all this work, I rap about A, I rap about B, I work with this producer. It takes me a while to put this stuff out, and I'm only seeing this type of success. Whereas people who are less talented than me, and they talk about things that are extremely superficial, they get way more engagement, they get paid way more. I I I understand where he's coming from, and I I think that that's a struggle.

SPEAKER_00 9:07

What number album is this for him?

SPEAKER_02 9:09

Oh, I think this is like number 10. Hold on, let me look it up. Go ahead. This is number nine or number 10 for him.

SPEAKER_00 9:15

Well, I mean that can be frustrating, right? To see people who are so there's a difference, I think, right? Based on what you just said, he he expressed. I think there are, I think majority of people are looking for entertainment. They are not necessarily looking for intellectual entertainment, right? I'll give you an example. So my niece is now, she's kind of watching these old um talk shows or not talk shows, old sitcoms from back in like the 90s and you know, early 2000s. And um, she recently fell upon Frazier, right? Which I know you all you're always like, but she never watched Frazier, so you wouldn't know. But she fell upon Frazier and she's like, oh my gosh, it's such a funny show, right? Now, my niece is what mid-20s, right? So she was just a little girl when Fraser was on TV. But what she likes about it is that there's this, you know, there, there's, you know, comedy, there's just like this level of comedy, but then there's this kind of intellectual layer on the comedy that you have, right? It's not, it's not buffoonery necessarily. It's not just, you know, superficial jokes, but there's this layer of intellect that you, you know, of intellect that you have to understand in order to appreciate some of the quips and you know quirks that they that they have on the show. And I think that this is the same thing that Wale is talking about is that listen, there a lot of people want to be entertained and they're willing to pay for that. But I don't think that there are many people who want the the depth, right, that he might be offering. Because now it's like, well, you want me to be in contact with my either intellect or my emotions, you know, in on a deep level. And I don't want that. I just want to shake my butt in a club and be done.

SPEAKER_02 11:22

Yeah, it's it's tough. I hear what you're saying. When you're in the entertainment business, you get paid based off of what the public wants. Right? I mean, it has to shake. Right. Unfortunately, right? So it's like a lot of them will say, Well, I just want to do it for the artwork, and I just want to do it for this. That's great. But in essence, because artwork is so subjective, music is so subjective, the very thing that sometimes we tell people to ignore, it's like, but if you're making music that nobody wants to listen to or a significant amount of people don't want to consume, is it valuable? I hate to say, I hate to use that term. I think that's really strong.

SPEAKER_00 12:04

Yeah, I think valuable isn't the word, but yeah, is is it is it money making?

Medicine, Social Media, And Recognition

SPEAKER_02 12:10

Right, right. Right. Because I mean, there's been plenty of albums that he's done that I'm like, oh man, this is a really good album. It's not like great, but it's a good album people don't listen to. Um, you know, I think obviously you have um even within the medicine field, right? You have some doctors who are really good at social media. And then you have doctors who are not good at social media, but they still want their craft to speak for itself. And they're finding it hard now. You've we you see that on Reddit, you see that in other forums where people say, Well, look, I, you know, I, for example, a plastic surgeon or a dermatologist. It's almost like it's required that you have an Instagram page or that you have some type of presence on social media so that you can attract a certain type of clientele. If you don't have that, it's going to be very difficult for you to compete, particularly with other plastic surgeons, dermatologists, things of that ilk who are in your area. Right? It's really tough. So I don't know. But it's a good, good album overall. Um, something that I I definitely recommend. If you're willing to play that in your OR, you'll have everybody will have a great time listening to this. If you want to play this in the background in your clinic, it's a good non-explicit version. Non-explicit, not explicit. Hey, let's let's let's quickly throw in this is something that's really quick. Let's talk about HSA comp contributions. That's right, that's your health savings account contributions. That's what I have on my list. Um, this is obviously this episode's coming out in December. This is the last month for you to make your HSA uh contributions. Um, we like health savings accounts, um, and that's related to our high deductible health plan. So we get our health care through Obamacare, and we are fairly healthy. I'd say we're actually very healthy. We don't utilize the healthcare system that much. So as a result, our premiums are very low. But if we were to utilize the healthcare system significantly, we would incur a lot of out-of-pocket costs. So far, we haven't seen that so far. In exchange for that, that gives us access to an account called the Health Savings Account. What that is, you open up an account with like Fidelity, Vanguard, um, whoever else has it, I can't remember. Some of them, you guys may have it at your respective hospitals, at your human resources department. And people like these accounts because it helps lower your taxable account. If you put like a dollar in, it lowers your taxable account income by that amount. Okay. Um your money grows tax-free, right? So as you're you put money in and it's growing as it's invested in different types of uh bonds and stocks and ETFs and so forth, it grows tax-free. Um, and then if you need to use it for, you know, whatever it may be. Renee wants, you know, you know, Renee, whatever she wants. What does she want now?

SPEAKER_00 15:02

What does she want now?

SPEAKER_02 15:03

You know, but see, does you see how it makes compelling? You see how that makes compelling like a podcast? Like I could just be like, yo, Renee just wants this. And you'd be like, Well, what do you want? Remember, you wanted the BBL?

HSA Contributions: December Deadline

SPEAKER_00 15:14

I want to know. Okay, because I need one, right? Oh, yo, Renee getting cocky. Oh, please, honey. I don't need no BBL.

SPEAKER_02 15:28

Anyway, guys, um, withdrawals for things like BBLs for Renee. Which they give you a review.

SPEAKER_00 15:34

Okay.

SPEAKER_02 15:37

Look it up, guys. Look it up. Um, that's tax-free, guys. That's tax-free, right? So it's a really good tax vehicle for if you are a resident right now, if you are finishing up residency, it's a good place to put some money away after you've done everything. I'm talking about their emergency funds. I'm talking about, you know, working on your budgeting for, you know, the year, you know, all those different things. If you have a little bit of some cash left over and you don't have many um expenditures in the healthcare system, it may be worth it to get a HSA. But we made our last one two days ago. Um, so we went to the maximum. I think the maximum was like 7300. And what we're doing with it is we're investing, I'm investing it in F Z R O X. F Z R O X. So that means we have it with Fidelity and it's in a um, what do you call that? ETF index fund. And it's just investing for us, and we're doing well right now. Excellent.

SPEAKER_00 16:37

Uh so very quickly, tell folks the difference, right? Because they may be like, well, I have an FSA.

SPEAKER_02 16:45

Um, so FSA is similar. It's just that at the end of the year, whatever money, let's say you have$5 in your FSA and$5 in your HSA. If by the end of the year you don't use that$5 in your FSA, that money gone. They got your money. Whereas in the HSA, you can keep$5 in this year, 20 years from then, still your money. You know, but in essence, similar, but the FSA is mainly at your job, and you have to use it all in a year. So just make sure you know the difference because you don't want to lose your life. Correct. All right, guys. Let's take let's take a break. We're gonna come back and we're gonna talk about um our tenant upstairs and all the upgrades that we are doing. We'll be right back.