A parking lot outside a regional orthopedic hospital, 7:30 on a Tuesday morning: close to $2 million in vehicles rolling in over forty minutes. Nobody thought twice about it.

In this episode, Jared breaks down what that parking lot is actually measuring. An $800K surgeon nets roughly $480,000 after taxes, and the average surgeon compounds only about $60,000 of it a year toward wealth. The other $420,000 goes to the raccoon trap: a spending pattern calibrated to a peer group, with nothing capturing money before it disappears.

Jared walks through the three invisible drains most surgeons have never measured (lifestyle inflation, insurance overhead, and the 401(k) illusion), and the structural fix that actually closes them: a cash balance plan, S-corp salary calibration, and automated transfers that move the capture point upstream, before the money ever reaches a checking account. Not discipline. Architecture.

One number to calculate by the end of the episode: your actual spending rate.

Capably Yours, Jared

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The Ortho Money Show is produced by Capable Wealth, LLC, an investment adviser registered with the State of New York. This podcast is for educational purposes only, is not personalized investment, tax, or legal advice, and does not create an advisory relationship. Full disclosures and Form ADV available upon request.

Ep #122: The Parking Lot Is The Worst Financial Advisor in Medicine

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