Hello my friends, welcome back to another episode of Freedom Formula for Physician's Podcast, the podcast dedicated to helping doctors like you slash your debt, slash your taxes, and live a liberated lifestyle.   I am excited for the start of the year here, as we are well on our way into 2018.  I would like to ask a favor-could you take 5 minutes or less to rate and review the podcast on iTunes?   I'd like to give some listener love to a few people who have recently received the podcast: Todd, KS (paraphrased)-I came across this podcast in early 2017, and it has been a wonderful addition to my morning routine and commute.  Dave has great guests on and gets right to their personal stories. These stories include financial struggles and pearls of wisdom-an an enjoyable listen. Highly recommended! Dr. Mike WM-An excellent podcast for physician's-young and old.  As doctors, we get zero business education in medical school, and Dave gives practical advice to help us on our financial journeys. Highly recommended! There have been some BIG changes with taxes, and I've had a huge focus on addressing these changes between 2017 and 2018!  And as a friendly reminder, you can text LESSTAXES to 44222, and that will give you all kinds of information with the tables I've been going over and possibly help you to apply for your specific situation. In this podcast you will: Learn how itemizing is a much more difficult barrier for residents and fellows to get over Discover the difference in tax savings between being single and being married If you think you may be paying more taxes than the numbers I've crunched, I'd love to hear from you and look over those numbers with you to see if I might be off on your calculations or if you might be off on your calculations.  Also remember, you can e-mail me at [email protected].   ----more--------more---- Investment advice is only offered in jurisdictions where Centurion Financial Strategies, LLC (“Centurion”) is appropriately registered or exempt from registration. Our Form ADV Part 2 brochure can be obtained free of charge at https://adviserinfo.sec.gov by searching for our firm by name or its unique CRD number (316454). This podcast is not a solicitation to provide advisory services in any jurisdiction in which we are not appropriately registered or excluded from registration. The information, statements, and opinions contained in this podcast have been obtained from or are based upon information obtained from sources which we believe to be reliable, but we do not warrant or guarantee the timeliness or accuracy of any such information. This podcast is intended for informational purposes only and should not be construed as personalized investment, tax, or legal advice. Opinions expressed by any guest are their own opinions and do not necessarily reflect the firm’s views. You should carefully consider your unique financial circumstances and needs prior to making any investment in securities or purchasing any insurance products. Past performance is not indicative of future results. Investing in securities involves the risk of loss. Insurance products are backed by the financial strength and claims-paying ability of the issuing insurance company and may be subject to restrictions, limitations, and early withdrawal fees which vary by issuer. You should consider the charges, risks, expenses, and investment objectives of any insurance products before entering a contract.