Fundamental Finances

Stacks on stacks! You make money, now what will your money make?

In this post I interview Dr. Zachary Stroud, MD, MBA to get some great insights into how to make our money work for us. Zach is extremely passionate about finances/economics and equally passionate on how to make it simple and understandable. (*economics is basically just people interacting, and as a Psychiatrist, he knows people). He also operates with tons of free information, no conflict of interest selling/soliciting, just pure helpful honest content. The guy really brings value to the financial conversation. Let’s Begin…
(Me:) Zach, tell me a bit about why you like economics so much?
(Zach): I would say that I prefer finance to economics. I enjoy understanding money and how the benefits of my hard work in medicine can be utilized to my advantage through investing. Economics is interesting because people as a group can behave just as irrationally as an individual. This can create distortions in prices in the investment world. It requires a certain bit of self-reflection when you invest because you have to know where your biases and weaknesses are. I highly recommend Daniel Kahneman’s book, Thinking Fast and Slow, which talks about some of these biases.
Warren Buffett has stated in the past that you don’t need to be all that smart in terms of investing, you just need to be able to remain calm and keep emotions from ruining investment decisions. As an investor and as a psychiatrist, I wholeheartedly agree with this idea.
Let’s discuss the 3 major concepts we should think about (can be conceptual or pragmatic) when dealing with our investments:

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Population Health

Having just driven up to Maine (half the US eastern seaboard) I was exposed to the population at large. While people-watching  at rest stops, traffic jams and city streets, I started thinking about population health and the APTA’s “transforming society” aims.

My first reaction was “Ha, yeah right.” My second reaction was “Hahaha, yeah right.” Now, it’s not that we cannot treat any and all of these individuals within our scope in all movement, pain and return-to-QOL aspects, we certainly can. But “transforming society” is not as simple as treating patients. Continue reading

Ethics Principle 2D

Code of Ethics: 2D. Physical therapists shall collaborate with patients/clients to empower them in decisions about their health care.

Empower: To give power or authority to; to enable or permit.

It comes down to this quite often. A patient tells me that they will need [Surgery, Meds, Injections] because a medical authority told them they need [Surgery, Meds, Injections]. Caveat: this is true sometimes, in my opinion.

Once this phrase is uttered by a patient an immediate response is made that includes describing patient rights. Continue reading

Manual therapy continuing education – What’s the point?

My first month off following graduation was spent interviewing for travel positions. I was looking for a way to pay off some of my six figure loan debt effectively, and travel PT provides that opportunity. I ran into some interesting situations during the interview process.

Many companies wanted to know what skills I could bring to the table (i.e. what hands on skills [i.e. what manual skills]). I may have fumbled Continue reading


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Gaining access to a skilled physical therapist is extremely important and is one of the major issues we face as a profession and health care system.  We are after Self-Referral… or Direct Access. Meaning, if a member of the community thinks they need services from a physical therapist, they should be able to directly access that service, and that therapist.

Here’s the problem: WE know who could benefit from our diagnosis, prognosis, interventions and thought processes… but the public often does not. If they don’t know what we do (other than “pain and torture” or “massage”) then why would they seek us out? Continue reading

PT: Prosperity in Diversity

I was recently at a company-wide meeting with all the PTs and as I looked around I got thinking…

An entire room of people who think differently, have different algorithms and thought processes, and are all going to be treating people who are seeking one thing: Physical Therapy.

It was a very crazy thought. How can this ALL be Physical Therapy? Certified Manual Trigger Point Therapists, Certified Mechanical Diagnostic Therapists, Certified Othopedic Manual Therapists. At first it is a bothersome idea, as in, they can’t all represent PT, or the PT that I envision. But perhaps that is short sighted. Isn’t that one of our greatest assets? Isn’t that a selling point right there? We are extremely varied in our approach… there is a therapist for every patient. There’s a PT for every pt. 

We, in PT, are evidenced-based and research driven. We look for the Continue reading

Insurance: Why do we put up with it?

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Insurance: What an interesting concept

First off: Insurance is not a good deal. You pay money each month (bad deal), then you must trade your health to get the “benefits” (bad deal). To see any money back, to get “your money’s worth,” you need to use the system, and using the system means you are not independently healthy… so it’s a lose-lose.

Same goes for Life Insurance. Gotta die to get the moneyzz. Bad Deal.  But I do it anyway… you too.

No one is !happy! with their insurance, right?  Well, that might not be true; it all depends on your comfortability with risk. Some benefits may exceed your expectations even! It’s mostly in what you Continue reading



After a few weeks back in the out patient physical therapy setting I am re-confronted with the pathoanatomical-ness of diagnosis.

The battle for language and context of explanation rages on: full strength, full power, full speed.  Whew, just trying to hang on. Daily I must combat the destructive thoughts of a fragile body, or a decaying joint, a shredded tendon, or a tear from here to there.

Sometimes it is very true. Others not. But trying to de-fixate an individual’s thoughts off of the negativity of their structures is unaided by visual proof that they are internally “disfigured.”

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O Western Medicine…What Have We Done?

We’ve gone too long with this faulted and fragmented system. We’ve failed to listen to our patients because of a highly legislated, bureaucratized, and overly business’d system that has worn down our providers forcing submission to the system or withdrawal. We’ve failed to educate our health care providers correctly, teaching body systems as if there were only minimal connections between them leading to societal mis-conceptions of pain, aging, and the power of the mind and brain. Continue reading