#143: How to Talk Money Without the Cringe: The Mindset Shift Every Vet Needs. With Dr Bing Zhu

What’s your least favourite part of being a vet?

Is it talking about money?

In this episode, we take on one of the most emotionally charged parts of veterinary life: discussing high-cost treatments with clients.

Our guest is Dr. Bing Zhu, a Small Animal Medicine Specialist from SASH, who’s had these conversations more times than she can count, and she shares her hard-earned wisdom on how to approach these conversations with empathy, clarity, and confidence.

Here’s what we unpack:

• The emotional and ethical weight vets carry when finances and medicine collide
• Dr. Zhu’s step-by-step approach to setting expectations and guiding tough decisions
• Why separating your ego from the medical outcome can save your sanity
• The cultural mindset shift the profession needs around money conversations
• How to anchor your boundaries in your core values

Dr. Zhu shares transformative personal stories, communication strategies, and mindset shifts that will help you communicate more clearly, protect your mental health, and better serve your clients and their pets.

Whether you’re still at uni, starting out, or have been in practice for decades, this episode will change the way you handle financial conversations—forever.

Ready to rethink “the money talk”? Hit play now.

Upcoming conferences that I’m excited to attend:

• Vets On Tour snow conferences in Wānaka, NZ (August ’250), and Nozawa Onsen, Japan (Feb ’26)
• ANZCVS Science Week, 24-25 July 2025
• IVECCS 2025, San Diego, September 4-8

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Episode Topics and Timestamps

01:45 Presenting the Large Estimate: How Does it Make You Feel?

06:04 The Turning Point: It's Not Your Fault

10:46 Practical Advice For Handling High Cost Estimates

31:04 Stop Avoiding Referral Because You Think You're Saving Your Client Money

36:25 Why Competence Makes Talking Money Easier

38:16 The Cultural Shift Vets Should Make

44:55 Setting Boundaries and Work-Life Balance

55:39 Dr Bing's Podcast Recommendations

56:19 The Pass Along Question