Tim Ulbrich & Nate Hedrick break down 2025 housing trends, agent tips & the new buyer’s agreement. Sponsored by Real Estate RPH.

Summary

Tim Ulbrich, YFP Co-Founder talks with Nate Hedrick, PharmD and Founder of Real Estate RPh as they break down the key trends shaping the 2025 housing market, from declining home sales to soaring interest rates. Nate shares what to look for in a real estate agent, why local market expertise matters, and how the new buyer’s agent agreement affects you.

This episode is brought to you by Real Estate RPH.

Mentioned on the Show

• YFP YouTube Channel
• YFP Real Estate Investing 132: Rent vs Buy
• YFP Real Estate Investing 118: Navigating the NAR News: Insights for Real Estate Investors
• YFP Episode 160: Navigating the Home Buying Process Through the Home Buying Concierge Service
• Real Estate RPh Home Buying Concierge
• YFP Real Estate Investing Facebook Group
• Nate Hedrick on Instagram
• Nate Hedrick on LinkedIn
• Tim Ulbrich on LinkedIn
• YFP on Instagram
• YFP Facebook Group
• Subscribe to the YFP Newsletter
• YFP Disclaimer

Tim Ulbrich, YFP Co-Founder welcomes back David Zgarrick, PhD to share his journey into "preferment," balancing retirement, financial planning, and staying engaged through teaching and consulting.

Summary

In this episode, Tim Ulbrich, YFP Co-Founder, welcomes back David Zgarrick, PhD, as he shares his journey into what he calls the "preferment phase" of life. Dr. Zgarrick opens up about his transition from academia to retirement, the joy of new routines, and the power of early financial planning. He highlights the importance of staying engaged—through consulting, teaching, and meaningful activities—while keeping financial health in check.

About Today's Guest

David P. Zgarrick, PhD, is Professor Emeritus in the School of Pharmacy and Pharmaceutical Sciences at Northeastern University. Prior to his retirement in 2022, his positions included Associate Dean of Faculty at Northeastern’s Bouvé College of Health Sciences, Acting Dean of the Northeastern’s School of Pharmacy and Pharmaceutical Sciences, Chair of the Northeastern’s Department of Pharmacy and Health Systems Sciences; John R. Ellis Distinguished Chair of Pharmacy Practice at Drake University College of Pharmacy and Health Sciences; and Vice-chair of Pharmacy Practice at Midwestern University Chicago College of Pharmacy.

He is a licensed pharmacist, receiving a BS in Pharmacy from the University of Wisconsin - Madison and a MS and PhD in Pharmaceutical Administration from The Ohio State University.

Dr. Zgarrick remains engaged in the profession of pharmacy, consulting with universities and teaching pharmacy practice management and entrepreneurship in the health sciences. His scholarly interests include pharmacy workforce research, pharmacy management and operations, pharmacy education, and development of post-graduate programs.

He has published over 150 peer-reviewed manuscripts and abstracts, was co-editor of the textbook Pharmacy Management: Essentials for All Practice Settings, and authored the book Getting Started as a Pharmacy Faculty Member. He was editor-in-chief of the Journal of Pharmacy Teaching, Executive Associate Editor of Currents in Pharmacy Teaching and Learning, and is an editorial board member of Research in Social and Administrative Pharmacy.

Dr. Zgarrick is active in many professional organizations, including the American Pharmacists Association (APhA) and the American Association of Colleges of Pharmacy (AACP). He served on AACP Board of Directors for twelve years in three different roles, including as Treasurer from 2016-22. Dr. Zgarrick also served on the Board of Visitors for the University of Wisconsin School of Pharmacy, the Board of Grants for the American Foundation for Pharmaceutical Education, and is a Fellow of the American Pharmacists Association.

Mentioned on the Show

• Episode 291: Redefining Retirement with David Zgarrick, Ph.D.
• Facebook David Zgarrick
• LinkedIn David Zgarrick
• Instagram @davidzgarrick
• YFP YouTube Channel
• YFP Book a Discovery Call
• YFP Disclaimer
• Subscribe to the YFP Newsletter
• Tim Ulbrich on LinkedIn
• Tim Baker on LinkedIn
• YFP on Instagram
• YFP Facebook Group

Tim Ulbrich talks with Nate Hedrick and David Bright as they break down the rent vs. buy dilemma in today’s market, tackling equity, flexibility, financial strategy, and key market insights.

Summary

Tim Ulbrich talks with real estate investors Nate Hedrick, PharmD and David Bright, PharmD as they dive into the rent vs. buy decision in today’s housing market, offering practical insights and real-life experiences. They explore the financial benefits of both options, the role of equity, and the flexibility renting provides. Their discussion highlights the importance of understanding local market dynamics, strategic use of home equity, and aligning decisions with personal and financial goals.

Mentioned on the Show

• YFP Real Estate Investing 131: Revisiting Our 2024 Projections and Looking Ahead to 2025
• NY Post Article “Here’s how much more a single-family home costs to buy than rent”
• Real Estate RPh Concierge Service
• NYT Rent vs Buy Calculator
• YFP YouTube Channel
• Subscribe to the YFP Newsletter
• YFP Disclaimer
• YFP Real Estate Investing Facebook Group
• Nate Hedrick on Instagram
• David Bright on Instagram
• YFP Real Estate Investing Website
• David Bright on LinkedIn
• Nate Hedrick on LinkedIn
• Tim Ulbrich on LinkedIn
• YFP on Instagram
• YFP Facebook Group

YFP Co-Founders, Tim Ulbrich and Tim Baker answer two listener submitted questions about growing income and saving for your child’s college education.

Summary

In this episode, Tim Ulbrich, PharmD and Tim Baker, CFP tackle two listener submitted questions. Cory from Arizona seeks advice on how pharmacists, in addition to cutting expenses, can increase their income to achieve their financial goals. Amanda from Minnesota, inquires about 529 college savings plans and balancing it with other financial priorities.

Mentioned on the Show

• YFP YouTube Channel
• YFP Blog: 19 Ways to Make Extra Money as a Pharmacist
• YFP 388: Entrepreneurial Journeys in Pharmacy: Lessons on Growth and Success
• YFP 384: Beyond Salary: Negotiating Yoru Value in the Workplace
• YFP Blog: 7 Things to Consider Before Starting a 529 Plan
• YFP 368: How Much is Enough for Kids College
• YFP Book a Discovery Call
• YFP Disclaimer
• Subscribe to the YFP Newsletter
• Tim Ulbrich on LinkedIn
• Tim Baker on LinkedIn
• YFP on Instagram
• YFP Facebook Group

Tim Baker, CFP®, and Tim Ulbrich, PharmD, share strategies to address fees, inflation, and taxes, helping you keep your investment portfolio fit and achieve your financial goals.

Summary

In this episode, Tim Baker, CFP® and Tim Ulbrich, PharmD discuss a crucial topic related to personal finance: keeping your investment portfolio fit.

Tim and Tim explore three silent threats to your investments—fees, inflation, and taxes. Learn practical strategies to manage fund fees, mitigate inflation's impact, and use tax-efficient approaches to safeguard your portfolio. Whether you're starting to save or nearing retirement, this episode delivers valuable tips to protect and grow your wealth.

Mentioned on the Show

• YFP YouTube Channel
• YFP Book a Discovery Call
• YFP 275: How to Build a Retirement Paycheck
• YFP Disclaimer
• Subscribe to the YFP Newsletter
• Tim Ulbrich on LinkedIn
• Tim Baker on LinkedIn
• YFP on Instagram
• YFP Facebook Group

Tim Ulbrich shares insights from seven financial books that shaped his journey, offering key lessons on saving, spending, mindset, and building wealth.

Summary

In this episode, Tim Ulbrich highlights seven impactful financial books that shaped his journey, including I Will Teach You to Be Rich by Ramit Sethi, Die with Zero by Bill Perkins, and Rich Dad, Poor Dad by Robert Kiyosaki. He shares key takeaways on topics like balancing saving and spending, adopting a wealth-building mindset, and spending for happiness.

Mentioned on the Show

• YFP on YouTube
• YFP 390: Financial Resolutions: Top 5 Moves for Pharmacists in 2025
• I Will Teach You To Be Rich by Ramit Sethi
• Die with Zero by Bill Perkins
• Rich Dad, Poor Dad by Robert Kiyosaki
• Tax Free Wealth by Tom Wheelwright
• The Millionaire Next Door by Dr. Thomas Stanley
• The Next Millionaire Next Door by Dr. Sarah Stanley Fallaw
• The Compound Effect by Darren Hardy
• The Total Money Makeover by Dave Ramsey
• Happy Money: The Science of Happier Spending by Elizabeth Dunn and Michael Norton
• YFP 200: An Interview with Sarah Fallaw of The Next Millionaire Next Door
• YFP Disclaimer
• Subscribe to the YFP Newsletter
• Tim Ulbrich on LinkedIn
• YFP on Instagram
• YFP Facebook Group

Tim Ulbrich, YFP Co-Founder, shares 5 key financial moves to align your goals, enjoy life now, and build a secure future.

Summary

In the first episode of the year, Tim Ulbrich, YFP Co-Founder, dives into strategies for aligning your personal and professional goals to make 2025 your best year yet. He shares five essential financial moves to help you strike the perfect balance between enjoying life today and building a secure future.

Learn actionable tips for setting meaningful financial goals, optimizing your tax planning, organizing your financial documents, automating your savings, and crafting a plan for continuous learning.

Mentioned on the Show

• YFP Podcast: How a Couple Left Their Careers to Travel the World
• YFP Blog: Career Break for Pharmacists: A Practical Guide on Taking a MIni-Retirement
• IRS Form 1040
• YFP Episode 309: Common Tax Blunders Pharmacists Make
• YFP Legacy Folder Checklist
• YFP Disclaimer
• Subscribe to the YFP Newsletter
• Tim Ulbrich on LinkedIn
• YFP on Instagram
• YFP Facebook Group

David Bright and Nate Hedrick share their annual real estate predictions for the year ahead and reflect on trends of 2024.

Summary

Join hosts David Bright, PharmD and Nate Hedrick, PharmD as they close out 2024 with their third annual real estate investing predictions. Reflecting on their past forecasts for the year, they explore why rates and housing prices didn’t align with expectations and emphasize the importance of staying adaptable in a shifting market. David and Nate also share their personal investment plans for 2025.

About Today's Guests

Nate Hedrick is full-time pharmacist by day, husband and father by evening and weekend, and real estate agent, investor, and blogger by late night and early morning. He has a passion for staying uncomfortable and is always on the lookout for a new challenge or a project. He found real estate investing in 2016 after his $300,000+ student loan debt lead him to read Rich Dad Poor Dad. This book opened his mind to the possibilities of financial freedom and he has been obsessed ever since. After earning his real estate license in 2017, Nate founded Real Estate RPH as a source for real estate education designed with pharmacists in mind. Since then, he has helped dozens of pharmacists around the country realize their dream of owning a home or starting their investing journey. Nate resides in Cleveland, Ohio with his wife, Kristen, his two daughters Molly and Lucy, and his rescue dog Lexi.

David Bright is a pharmacist with a heart for teaching. He’s been a full-time professor since 2009 with a passion for implementing and improving pharmacy services. Themes of “implementing and improving” in the pharmacy space are quite similar to themes of “building and fixing” in real estate, which has been a growing hobby for David and his wife, Heather, who bought their first house more than ten years ago. That fixer-upper house became a live-in house flip, which they sold a few years later, only to repeat the process with their next house. When David and Heather got sick of perpetually living in a construction zone, they pivoted to fixing up rental properties in West Michigan, where they now live.

David invests in real estate as a way to bring greater diversity to financial planning and to fund memorable life experiences with family and friends.

Mentioned on the Show

• YFP Real Estate Investing Website
• Subscribe to the YFP Newsletter
• YFP Disclaimer
• YFP Real Estate Investing Facebook Group
• Nate Hedrick on Instagram
• David Bright on Instagram
• David Bright on LinkedIn
• Nate Hedrick on LinkedIn