What’s it really like to train in medicine today? Internal medicine-pediatrics physicians Michael Jerkins, MD, M.Ed and Ned Palmer, MD, MPH dive into the results of the Panacea Financial 2025 Annual Residents and Fellows Survey, which captured the voices of nearly 500 medical trainees across the country. The findings? Over half of respondents reported feeling extremely financially stressed—and the stories behind that number paint a deeper picture of the challenges facing today’s doctors-in-training.

From rising living costs and ballooning student debt to the emotional weight of working long hours while living paycheck to paycheck, Drs. Jerkins and Palmer explore the toll this financial pressure is taking on the future of medicine. They unpack why student loan stress jumped 26% in just one year, what it means when 1 in 3 trainees wouldn’t choose medicine again, and how instability is hitting certain specialties the hardest.

What can we learn from the doctors who are still in the thick of it? How does financial stress impact patient care and what could a better training system actually look like? With data, personal insights, and a dose of realism, this episode is a candid look at what’s working, what’s broken, and why meaningful reform matters now more than ever. Tune in to hear what today’s residents and fellows really want you to know.

Internal medicine-pediatrics physician, educator, and Panacea Financial co-founder Dr. Michael Jerkins joins us as a guest to share his journey through medicine. From his early days in Memphis to residency in Cincinnati, Dr. Jerkins experienced firsthand the pressures of medical education, ballooning student debt, and the emotional toll of ICU rotations.

But what if the system could be different? What if medical school were shorter, more affordable, and designed for how we actually learn today? In this episode, Dr. Jerkins opens up about the parts of his training that now feel obsolete, the lessons hidden inside six-figure student loans, and why AI might just be the assistant doctors didn’t know they needed.

How do you stay human in a system that sometimes forgets you are one? What would you change if you had a magic wand—and what does ska music have to do with any of it? Dr. Jerkins shares honest reflections, practical ideas, and plenty of humor in a conversation that reminds us why medicine needs both heart and reform. Tune in for a thoughtful look at what it takes to practice with intention in a world that’s constantly evolving.

Dentist, practice owner, and entrepreneur Dr. Vu Kong joins us to share his remarkable journey into dentistry and business ownership. Born in a refugee camp in Thailand, Dr. Kong originally planned to pursue mechanical engineering before his father—a former dentist—encouraged him to consider a different path. After graduating amidst a financial crisis, limited opportunities led him from Michigan to Illinois, where he and a friend began conceptualizing a practice just six months out of school; one that would eventually become High Point Dentistry.

So how do you go from launching a practice to building a multi-location business? What lessons come from selling it all—and starting again? And how do you lead with purpose while raising a family? Dr. Kong opens up about growth, sacrifice, and what he’s learned about leadership, culture, and data along the way. Tune in for an honest look at what it takes to grow smarter, not just bigger.

Dentist, practice owner, and podcast host, Dr. Jamine Ifedi, MBA, joins us to share his journey into dentistry and what he's learned along the way. From taking all the entrance exams (yes, the MCAT and DAT) to choosing dentistry based on test scores, Dr. Ifedi's path was anything but traditional. After hands-on experience in a variety of specialties, a deep dive into geriatrics as a travel dentist, and early dreams of practice ownership, he eventually opened Empire Dental Group in Charlotte, NC.

How do you step into practice ownership only a year and a half after graduating? How can doctors transform a white coat into a lasting financial legacy? Can you still buy a practice if you have student loans? Dr. Ifedi, a true community pillar, shares his time and knowledge in this episode and in his community to uplift future dental leaders. Tune in to hear how he accomplished it all.

Internist/pediatrician and social media influencer Dr. Tommy Martin shares his perspective on challenges in medical school, the importance of authenticity as a content creator, and the unexpected controversies of medicine in the world of social media. In this episode, he dives into the biggest misconceptions about doctors, the importance of work-life balance, and why filling your own cup makes you a better doctor.

How does social media shape public perception of medicine? Why do people expect doctors to have no life outside of work? And what’s the deal with the great peanut butter debate? Dr. Tommy Martin unpacks these topics while sharing insights on health, wellness, and medical education. Tune in for an honest, insightful, and sometimes surprising conversation about life in and beyond the hospital.

Pediatric dentist and social media content creator Dr. Judy Yip shares her journey from pre-med to pediatric dentistry in this episode. She opens up about her decision to pivot from the MCAT to chasing her childhood dream of becoming a dentist and how a state-based student loan forgiveness program helped ease the financial burden.

Is the DAT harder than the MCAT? Why is pediatric dentistry such a fulfilling career? How can pediatricians better educate parents on oral health? Dr. Judy Yip unpacks these questions while offering practical advice for parents and future dentists alike. Tune in for a fun and insightful conversation about following your passion, tackling dental education, and making kids smile!

In this special episode, Chief Operating Officer and Co-Founder of Panacea Financial and practicing physician, Dr. Ned Palmer, MPH, takes the guest seat to share his unique journey through medical training. He and Dr. Michael Jerkins dive into the often-overlooked realities of becoming a doctor—from the evolving role of medical ethics in education to the complexities of student debt and inefficiencies of residency training.

If you knew the financial burden of medical school, would you still pursue it? Is the current structure of residency training efficient or disparaging? Can integrating ethics into medical education create more well-rounded physicians?

Join us as Dr. Palmer reflects on the shifting role of doctors in patient care, the haunting moments from his training, and even his past life as a bicycle cab driver. This is a conversation you won’t want to miss!

Board certified gastroenterologist, social media influencer, author, and educator, Dr. Benjamin Schmidt (Doc Schmidt), combines his medical expertise with a dose of humor to navigate the evolving landscape of healthcare. In this episode, he explores the impact of social media on patient trust, the rise of self-diagnosis fueled by AI, and the growing frustrations with insurance red tape.

Can humor and education coexist in healthcare? How do doctors balance online presence with patient care? Why are younger patients facing rising rates of colon cancer, and what can be done? Doc Schmidt unpacks these issues while reflecting on his journey as a doctor and the takeaways from his viral success. Tune in for an engaging conversation that bridges medicine, technology, and humanity.