beyond MD with Dr. Yatin Chadha
beyond MD bridges the gap between medical training and financial literacy. Led by mid-career Canadian radiologist, Yatin Chadha, beyond MD empowers practicing physicians, medical trainees, and other professionals to build confidence and clarity around money. Episodes feature interviews with subject experts to help listeners gain knowledge around topics like professional corporations, investing, insurance, pensions, real estate, trusts, and estate planning. Yatin also frequently interviews his own colleagues to shed light on valuable life and money lessons learned over time. Tune in to beyond MD (episodes are bi-weekly) to build your financial acumen and live your best life today.
Episodes
I welcome Donny Mangos - father, entrepreneur, author, and podcaster. Donny shares his perspectives on participating whole life (WL) insurance, with a focus on how to optimize policies and use them while alive.
Discussion points:
Donny's intro (2:35)
Broad perspectives on whole life (WL) insurance (4:55)
When Donny begin to learn about WL (6:55)
Quick overview on WL (9:30)
WL attributes for wealth strategy (12:35)
Other aspects of WL...
Welcome to part 4 of the wealth formula, which focuses on understanding our definition of enough.
We begin with a more philosophical discussion and move to rough numbers later only to help illustrate concepts.
Discussion points:
- introduction (1:33)
- Businessman & fisherman (2:43)
- Research on happiness, income (5:26)
- Understand and visualize your ideal life (11:50)
- What our life could cost (14:04)
- Withdrawal rates, portfolio ...
I love under-discussed & relevant topics, so I'm thrilled to host Dr. Nikhil Patil to discuss SR&ED (Scientific, Research & Experimental Development) credits for Canadian professionals.
Discussion points:
- introduction (1:37)
- what are SR&ED credits? (6:01)
- eligibility with examples (7:42)
- qualifying activities (14:15)
- Impact of other grants (16:22)
- How much can be claimed? (17:31)
- What the SR&ED claim ...
Many of us have substantial equity in our homes. How can we use it to grow our wealth?
I'm joined by Matt Lee & Ming Lim from Volition properties to unpack HELOCs (home equity line of credit), the Smith Manoeuvre (routine and supercharged), & reverse mortgages.
The episode kicks off by discussing life goals & our why, which is critical to nail down before embarking on any wealth strategy.
This episode is brought ...
Welcome to part 3 of the wealth formula - investing.
Investing allows us to plant seeds for the live we wish to live - both today and later.
Discussion points:
- Japan (00:00)
- The wealth formula (1:23)
- Return vs effort (2:43)
- The power of time (5:00)
- Focusing on what's in our control (9:48)
- Signal vs noise (11:25)
- Valuation/CAPE ratio (12:56)
- Investing during lost decades (15:50)
- Geographical diversification (18:52)
U...
Dr. Gwynn Curran-Sills wears many hats: an emergency physician, a real estate investor, and a devoted family man. Today, Gwynn talks about what he's learned growing real estate portfolio in Western Canada to 199 units, his thoughts on intergenerational wealth, and lessons from a year-long sabbatical in Spain.
Discussion Points:
- introduction (2:02)
- how Gwynn's interest in real estate developed (5:32)
- the decision to focu...
Welcome to part 2 of the wealth formula - meaningful spending.
Time stamps:
- newsletter (0:30)
- the wealth formula (0:53)
- the spending pie chart (1:39)
- the biology of spending (6:20)
- mindful spending gives us control (9:05)
- good spending focuses on relationships (10:40)
Amex credit card referrals: https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINCnPBE&CPID=100606829
Newsletter: https://www.beyondmd.ca...
Welcome to the first of a 4 part series on the wealth formula.
This episode focuses on understanding and optimizing our income.
Today's episode is dedicated to our colleague, Dr. Mike Fralick, who recently passed away.
Time Stamps:
- Remembering Mike Fralick (0:06)
- Spam attacks, newsletter (1:34)
- The wealth formula (3:05)
- Optimizing income (5:30)
- Extra shifts (9:32)
- Protecting income (12:15)
- Diversifying income (14:32)
<...
Today I interview the person who has taught me the most about what it takes to live a rich and meaningful life - my dad, Ashok Chadha.
We talk about the importance of dreams, curiosity, taking chances, entrepreneurship, & building an identity around multiple life pillars.
Time stamps:
- Embracing curiosity and following your dreams (2:37)
- Taking the plunge and moving to Canada (6:05)
- Finding joy at work and enjoying a long medic...
Today I'm thrilled to host someone I've learned so much from over the years - Mike Heroux, passionate dividend growth investor. Mike has been educating Canadian retail investors for many years & is founder of Dividend Stocks Rock.
Regardless of your investing level, this episode has something for everyone.
Discussion points:
Introduction (01:53)
How Mike got started with dividend growth investing (3:37)
The dividend triang...
2025 has been an incredible year full of learning, conversations, and memories on the show - thank you for making it possible!
Today, we recap the most memorable moments from beyond MD in 2025.
Wishing you and yours an enjoyable and restful holiday season.
Table of Contents:
- Living a rich and successful life with MarK McGrath & Aravind Sithamparapillai (0:45)
- Sabbatical, presence, good financial decisions with Dr. Kieran Na...
Welcome to my deep dive into every real estate investment I have ever made.
There's good, bad, and down right ugly!
Part 1 (this episode), focuses on my more active investments - rental properties.
Discussion points:
- why I decided to invest in real estate (1:00)
- sources of return in rental property investing (2:50)
- condo #1 (4:40)
- condo #2 (7:18)
- multifamily (9:35)
- learnings from RE investing (16:20)
Links:
website: https://w...
Welcome to part 2 of my real estate investing journey where I cover all of my passive real estate investments.
Contents:
- MIC - Mortgage Investment Corporation (0:40)
- Private equity residential real estate development (4:02)
- Public REIT - Sienna Senior Living (8:00)
Links:
website: https://www.beyondmd.ca/
email: yatin@beyondmd.ca
LinkedIn: https://www.linkedin.com/in/yatin-chadha/
Radiology Courses for Clinicians:
Today I'm thrilled to host Dr. Kyle Fortinsky, an early to mid-career gastroenterologist in Ontario.
Kyle and I share something in common - we deeply value our time and the ability to spend it with our families.
With this in mind, Kyle co-founded Clever Consult - an AI-enabled software helping specialists automate and streamline the consultation process, saving many hours along the way.
Join me as I dig into Kyle's entrepren...
Renewing a mortgage is more than just re-signing with your existing lender. Today I sit down with Elan Weintraub to discuss everything related to mortgages and renewals. Treat it like a financial checkpoint that aligns with your career, family plans, and cash flow, not just a headline rate.
We dig into the real levers you control, and uncover key questions you should ask:
Why is a 30 year amortization often a good idea?
Con...
There are 2 questions I have become truly fascinated with and aim to answer in this episode:
- why do some people truly enjoy their work, while others don't?
- how do we go about finding more joy at work?
I've spent a lot of time reading around this topic and picking the brains of my fellow colleagues. Today I share what I've learned and the things I'm working on.
There are likely several nuggets you can take away a...
Today I welcome my friend and savvy investor, Dr. Kieran Nair.
Kieran is a mid-career hospitalist in BC who recently returned from a year long sabbatical in the French Riviera with his family.
Today, Kieran opens up about challenges he faced in mid-career, what led to burnout, and what he learned from his year away. He also talks about what to consider when pursuing a sabbatical and financial decisions that made this all possible.
For episode 100, I bring back my favourite person - my wife, Sima Acharya!
Sima is back by popular demand. Today we unpack some of the big decisions we've made together, discussing the factors at play and what we have learned.
Discussion points:
- Sima's update (2:25)
- Prioritizing adventures in new places earlier in life (6:38)
- Balancing now vs delayed gratification - home renovations (19:55)
- Raising the kids, l...
Today we dive back into pensions for incorporated professionals. On this ride, we compare and contrast 2 good pension options: the individual pension plan (IPP) and the Healthcare of Ontario Pension Plan (HOOPP).
For today's chat I'm happy to welcome Sean Wilson (CFP, CIM), founder of Moraine Wealth Advisory, and Navaz Cassam, president & chief actuary of GBL Inc.
HOOPP vs IPP White Paper:
https://morainewealth.com/...
Ep #98 - Death and Taxes for Incorporated Professionals in Canada - with Mehul Gandhi, CFP, CLU, TEP
Today I welcome Mehul Gandhi (CFP, TEP, CLU) from Westmount Wealth to discuss death & taxes for incorporated small business owners in Canada.
The episode is broken down into 3 parts:
- the layers of tax facing the estate upon death of an incorporated professional
- strategies to mitigate the tax hit
- who can help us & the importance of updating our wills
Discussion points:
Introduction (3:05)
The layers of tax on one&ap...
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