Daniel Wrenne of Wrenne Financial discusses how physicians often end up living paycheck to paycheck or unable to get small loans to start a new practice. He attributes this to two main causes; first, there is a lack of financial literacy in the educational system, meaning physicians must go out of their way to learn the basics of personal finance. Second, there is a disconnect between values and the culture that tells us more is always better. This leads to a pursuit of money and possessions, resulting in bad financial outcomes and susceptibility to being taken advantage of.

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