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Two first-gen doctors answer your real questions: How to open a business bank account, and whether starting Medical school at 40 is still possible.

This week's Q&A covers two questions that represent completely different stages of the first-gen doctor journey: a neurology resident finishing training and building her business, and a 40-year-old premed, wondering if the dream of becoming a doctor is still possible.

THIS WEEK'S QUESTIONS:

QUESTION 1 — From Mouna (Neurology Resident):

"I just created my LLC to do locum work, and I'm looking into opening a business bank account. Do you recommend a traditional bank versus newer online banks? Some of the online options have built-in bookkeeping tools — do you have experience or a preference?"

QUESTION 2 — From YouTube Comments:

"I am 40, coming from a career as a psychotherapist, married with children, with a mortgage, and $135K in student loan debt. I'm considering general surgery, psychiatry, neurology, internal medicine, and family medicine. I'm taking one class at a time and targeting 2030 for application. Any advice?"

SUBMIT YOUR QUESTION FOR NEXT WEEK:

We do Q&A episodes every week and we read every question submitted. Here is how to reach us:

📱 Text us: 833-230-2860

📸 DM us on Instagram: @docsoutsidethebox

💬 YouTube comments: www.youtube.com/@docsoutsidetheboxpodcast

📧 Email: team@drniidarko.com

Your question could be answered in next week's episode.

RESOURCES MENTIONED:

Business Banking:

- Relay: relayfi.com

- Found: found.com

- Novo: novo.co

Disability Insurance (mentioned by Mouna):

- Set for Life: setforlifeinsurance.com

Student Loans and Financial Aid:

- Federal Student Aid Loan Simulator: studentaid.gov/loan-simulator

- Income-Driven Repayment: studentaid.gov

Non-Traditional Medical Students:

- AAMC Non-Traditional Resources: students-residents.aamc.org

ABOUT DOCS OUTSIDE THE BOX:

Dr. Nii is a General Surgeon. Dr. Renee is an OB/GYN. We are first-generation Ghanaian and Haitian physicians who paid off $662,000 in student loan debt in 3 years, built a locum tenens agency, and navigated every major medical career decision without a family blueprint.

We created this podcast for first-generation doctors — physicians who are the first in their families and lack the inherited knowledge about money, contracts, career strategy, and the unwritten rules of medicine that many of their colleagues learned growing up.

New Q&A episodes every week. Real questions from real first-gen doctors.

Find us everywhere:

- YouTube: www.youtube.com/@docsoutsidetheboxpodcast

- Instagram: @docsoutsidethebox

- Website: https://drniidarko.com/

DISCLAIMER: Dr. Nii and Dr. Renee are physicians, not financial advisors or attorneys. Content shared in this podcast reflects personal experience and should not be considered financial, legal, or medical advice. Please consult qualified professionals before making financial or career decisions.