Docs Outside The Box

SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show! 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.

SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show! In this episode, we share our complete story - how we went from $662,000 in medical school debt to completely debt-free in just three years, as first-generation doctors without any family financial blueprint. You'll hear: Why we accrued over $100,000 in interest (and how to avoid it)The exact moment we decided to pay off our debt aggressivelyOur real budget: $200/month groceries, $50/month fast foodThe sacrifices we made (and whether they were worth it)Why we're creating this podcast specifically for first-gen doctorsIf you're the first doctor in your family navigating medicine without the insider knowledge your colleagues inherited, this is your community. Find us on YouTube: https://www.youtube.com/@docsoutsidetheboxpodcast SIGN UP FOR OUR NEWSLETTER! Send us a Voice Message - https://www.speakpipe.com/docsoutsidethebox Have a question for the podcast? Text us at 833-230-2860 Instagram: @docsoutsidethebox Email: team@drniidarko.com Twitter: @drniidarko Merch: https://docs-outside-the-box.creator-spring.com This episode is sponsored by Set For Life Insurance. What the Darkos use for great disability insurance at a low cost!! Check them out at https://setforlifeinsurance.com/

SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show! This episode hits EVERY corner of healthcare. Medical students, residents, nursing students, and attendings. We’re diving deep into: 1. The Department of Education’s classification of nursing as not a professional degree ● What does this actually mean? ● Does it affect student loans? ● Will this change the future of nursing? ● Why EVERY healthcare worker should pay attention This episode hits home for: ● Nursing students ● Medical students ● Residents & fellows ● Attending physicians ● 1099 & locums doctors ● Anyone interested in healthcare policy or physician lifestyle If you’re studying, training, practicing, or thinking about locums… this one’s for you. Comment Below: ● Are you a nursing student affected by the DOE classification? ● Would you listen to Wale’s new album in the OR? ● Are you making your HSA contribution this year? ● Are you considering locums in 2025–2026? FREE DOWNLOAD - 7 Considerations Before Starting Locum Tenens - https://darkos.lpages.co/7-considerations-before-locums SIGN UP FOR OUR NEWSLETTER! WATCH THIS EPISODE ON YOUTUBE! Send us a Voice Message - https://www.speakpipe.com/docsoutsidethebox Have a question for the podcast? Text us at 833-230-2860 Instagram: @docsoutsidethebox Email: team@drniidarko.com Twitter: @drniidarko Merch: https://docs-outside-the-box.creator-spring.com This episode is sponsored by Set For Life Insurance. What the Darkos use for great disability insurance at a low cost!! Check them out at www.setforlifeinsurance.com

SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show! In this episode, we’re diving deep into: 1. Wale’s new album. Is it worth playing in the OR? A quick, fun review: focus, vibe, and OR compatibility. 2. HSA Deadline Reminder. LAST MONTH to contribute We’re making ours… are you? If you’re a med student, resident, or attending in a high deductible plan, this is the best tax tool available. This episode hits home for: ● Nursing students ● Medical students ● Residents & fellows ● Attending physicians ● 1099 & locums doctors ● Anyone interested in healthcare policy or physician lifestyle If you’re studying, training, practicing, or thinking about locums… this one’s for you. Comment Below: ● Would you listen to Wale’s new album in the OR? ● Are you making your HSA contribution this year? FREE DOWNLOAD - 7 Considerations Before Starting Locum Tenens - https://darkos.lpages.co/7-considerations-before-locums SIGN UP FOR OUR NEWSLETTER! WATCH THIS EPISODE ON YOUTUBE! Send us a Voice Message - https://www.speakpipe.com/docsoutsidethebox Have a question for the podcast? Text us at 833-230-2860 Instagram: @docsoutsidethebox Email: team@drniidarko.com Twitter: @drniidarko Merch: https://docs-outside-the-box.creator-spring.com This episode is sponsored by Set For Life Insurance. What the Darkos use for great disability insurance at a low cost!! Check them out at https://setforlifeinsurance.com/

SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show! In this episode we're discussing a life update which is renting out part of our home + kitchen renovations we are doing. We are breaking down the financial lessons we’re learning as a physician household with tenants. FREE DOWNLOAD - 7 Considerations Before Starting Locum Tenens - https://darkos.lpages.co/7-considerations-before-locums SIGN UP FOR OUR NEWSLETTER! WATCH THIS EPISODE ON YOUTUBE! Send us a Voice Message - https://www.speakpipe.com/docsoutsidethebox Have a question for the podcast? Text us at 833-230-2860 Instagram: @docsoutsidethebox Email: team@drniidarko.com Twitter: @drniidarko Merch: https://docs-outside-the-box.creator-spring.com This episode is sponsored by Set For Life Insurance. What the Darkos use for great disability insurance at a low cost!! Check them out at https://setforlifeinsurance.com/

SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show! We answer a listener who asks how to know if locums is the right move and whether they’re truly ready for independence. We break down confidence, clinical readiness, and the mindset shift needed to succeed as a 1099 physician. This episode hits home for: ● Medical students ● Residents & fellows ● Attending physicians ● 1099 & locums doctors ● Anyone interested in healthcare policy or physician lifestyle If you’re studying, training, practicing, or thinking about locums… this one’s for you. Comment Below: ● Are you considering locums in 2025–2026? FREE DOWNLOAD - 7 Considerations Before Starting Locum Tenens - https://darkos.lpages.co/7-considerations-before-locums LINKS MENTIONED Study about physician satisfaction from pubmed - https://pubmed.ncbi.nlm.nih.gov/12755252/ SIGN UP FOR OUR NEWSLETTER! WATCH THIS EPISODE ON YOUTUBE! Send us a Voice Message - https://www.speakpipe.com/docsoutsidethebox Have a question for the podcast? Text us at 833-230-2860 Instagram: @docsoutsidethebox Email: team@drniidarko.com Twitter: @drniidarko Merch: https://docs-outside-the-box.creator-spring.com This episode is sponsored by Set For Life Insurance. What the Darkos use for great disability insurance at a low cost!! Check them out at https://setforlifeinsurance.com/

SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show! The Affordable Care Act marketplace is facing a massive premium spike in 2026 — and Congress is running out of time to stop it. In this episode of Docs Outside The Box, Dr. Nii and Dr. Renee break down exactly why ACA premiums are increasing, what happens if Congress does nothing, and how this will impact: Whether you buy your own insurance or you care for patients who do — this episode gives you the real-world implications and action steps you need right now. In This Episode You’ll Learn: ✔️ Why ACA marketplace premiums could jump 40–60% ✔️ How expiring federal subsidies affect patients AND physicians ✔️ Why independent contractors will feel the biggest financial hit ✔️ The impact on hospitals, uninsured rates & ER volume ✔️ What doctors can do NOW to prepare (financial steps included) 🎧 Perfect Episode For: FREE DOWNLOAD - 7 Considerations Before Starting Locum Tenens - https://darkos.lpages.co/7-considerations-before-locums LINKS MENTIONED ACA Premium Spike Analysis — HealthSystemTracker https://www.healthsystemtracker.org/brief/how-much-and-why-aca-marketplace-premiums-are-going-up-in-2026/?utm_source=chatgpt.com Subsidy Expiration Breakdown — Center on Budget and Policy Priorities https://www.cbpp.org/research/health/health-insurance-premium-spikes-imminent-as-tax-credit-enhancements-set-to-expire?utm_source=chatgpt.com Congressional Update on ACA Debate https://cnycentral.com/news/nation-world/congress-enters-crunch-time-to-figure-out-how-to-deal-with-aca-subsidies-affordable-care-act-obamacare-health-insurance-premiums?utm_source=chatgpt.com Independent Contractors & ACA Tax Credit Changes https://jasonfintips.com/insurance-risk-management-blog/affordable-health-insurance-for-independent-contractors-understanding-the-new-aca-tax-credit-changes/?utm_source=chatgpt.com SIGN UP FOR OUR NEWSLETTER! WATCH THIS EPISODE ON YOUTUBE! Send us a Voice Message - Locumstory. Learn how locum tenens helps doctors make more and have the lifestyle they deserve!. Check them out HERE!

SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show! We tackle a raw listener question about carrying $520k in med school debt, feeling guilty about pursuing Public Service Loan Forgiveness, and navigating first‑gen family expectations. We break down what PSLF really is, why it exists, and how to compare it against traditional and accelerated payoff paths. FREE DOWNLOAD - 7 Considerations Before Starting Locum Tenens - https://darkos.lpages.co/7-considerations-before-locums LINKS MENTIONED SIGN UP FOR OUR NEWSLETTER! WATCH THIS EPISODE ON YOUTUBE! Send us a Voice Message - https://www.speakpipe.com/docsoutsidethebox Have a question for the podcast? Text us at 833-230-2860 Wanna listen instead? Apple podcast: https://podcasts.apple.com/us/podcast... Spotify: https://open.spotify.com/show/7lPD2QG... Instagram: @docsoutsidethebox Email: team@drniidarko.com Twitter: @drniidarko Merch: https://docs-outside-the-box.creator-spring.com This episode is sponsored by Locumstory. Learn how locum tenens helps doctors make more and have the lifestyle they deserve!. Check them out HERE!

SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show! Send us a Voice Message - https://www.speakpipe.com/docsoutsidethebox Have a question for the podcast? Text us at 833-230-2860 In this episode, we paid a tribute to D’Angelo whose albums like Brown Sugar and Voodoo shaped our teenage years. We also talked about how slow jams are no longer there, and the split between what people say online and how we actually treat each other off screen. FREE DOWNLOAD - 7 Considerations Before Starting Locum Tenens - https://darkos.lpages.co/7-considerations-before-locums LINKS MENTIONED SIGN UP FOR OUR NEWSLETTER! https://darkos.lpages.co/newsletter-signup/ WATCH THIS EPISODE ON YOUTUBE! Instagram: @docsoutsidethebox Email: team@drniidarko.com Twitter: @drniidarko Merch: https://docs-outside-the-box.creator-spring.com This episode is sponsored by Locumstory. Learn how locum tenens helps doctors make more and have the lifestyle they deserve!. Check them outHERE! Locumstory. Learn how locum tenens helps doctors make more and have the lifestyle they deserve!. Check them out HERE!

SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show! Send us a Voice Message - https://www.speakpipe.com/docsoutsidethebox Have a question for the podcast? Text us at 833-230-2860 In this episode, we pull back the curtain on the five financial moves that created real change in our lives....no fluff, no hype, just the systems and decisions that actually stuck. We discussed the importance of going all in on a few moves instead of ten half‑started projects. FREE DOWNLOAD - 7 Considerations Before Starting Locum Tenens - https://darkos.lpages.co/7-considerations-before-locums LINKS MENTIONED SIGN UP FOR OUR NEWSLETTER! https://darkos.lpages.co/newsletter-signup/ WATCH THIS EPISODE ON YOUTUBE! Instagram: @docsoutsidethebox Email: team@drniidarko.com Twitter: @drniidarko Merch: https://docs-outside-the-box.creator-spring.com This episode is sponsored by Locumstory. Learn how locum tenens helps doctors make more and have the lifestyle they deserve!. Check them out HERE! Locumstory. Learn how locum tenens helps doctors make more and have the lifestyle they deserve!. Check them out HERE!

SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show! Send us a Voice Message - https://www.speakpipe.com/docsoutsidethebox Have a question for the podcast? Text us at 833-230-2860 We help a graduating resident weigh a bold plan of using locums to pay down $478k in student loans while planning a sustainable U.S.–Ghana travel rhythm. If you’re a physician considering locums, global living, or a career design that puts family and culture first, this conversation gives you a clear, workable path forward. FREE DOWNLOAD - 7 Considerations Before Starting Locum Tenens - https://darkos.lpages.co/7-considerations-before-locums LINKS MENTIONED SIGN UP FOR OUR NEWSLETTER! https://darkos.lpages.co/newsletter-signup/ WATCH THIS EPISODE ON YOUTUBE! Instagram: @docsoutsidethebox Email: team@drniidarko.com Twitter: @drniidarko Merch: https://docs-outside-the-box.creator-spring.com This episode is sponsored by Locumstory. Learn how locum tenens helps doctors make more and have the lifestyle they deserve!. Check them out HERE!

SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show! Drs. Nii and Renée do a semi-ok job at explaining the difference between 1099 independent contracting and W2 employment. Dr. Renée runs down the ways in which we give up control of our careers to others. Then the docs meet long-standing listener, Jamar Cromwell, to give him advice as a non-traditional pre-med. Things you'll learn in this episode: ▶️ WATCH THIS EPISODE ON YOUTUBE! Join our community Text word PODCAST to 833-230-2860 Twitter: @drniidarko Instagram: @docsoutsidethebox Email: team@drniidarko.com Podcasting Course: www.docswhopodcast.com Merch: https://docs-outside-the-box.creator-spring.com This episode is sponsored by Locumstory. Learn how locum tenens helps doctors make more and have the lifestyle they deserve!. Check them out HERE! Set For Life Insurance. What the Darkos use for great disability insurance at a low cost!! Check them out at www.setforlifeinsurance.com Locumstory. Learn how locum tenens helps doctors make more and have the lifestyle they deserve!. Check them out HERE!

SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show! https://www.doximity.com/articles/736a778f-eba2-41e8-a6e6-c6a3f082d19b Locumstory. Learn how locum tenens helps doctors make more and have the lifestyle they deserve!. Check them out HERE!

SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show! Send us a Voice Message - https://www.speakpipe.com/docsoutsidethebox Have a question for the podcast? Text us at 833-230-2860 In this episode, we share our experiences from our recent medical mission trip to Ghana. We also discussed a medical resident who was caught performing unauthorized genital ultrasounds in his apartment and concluded with giving career advice to residents who are transitioning to work as attending physicians. If you're interested in volunteering with International Healthcare Volunteers, check out their information down below. FREE DOWNLOAD - 7 Considerations Before Starting Locum Tenens - https://darkos.lpages.co/7-considerations-before-locums LINKS MENTIONED International Healthcare Volunteers (IHCV) - https://www.ihcv.org/ SIGN UP FOR OUR NEWSLETTER! WATCH THIS EPISODE ON YOUTUBE! Instagram: @docsoutsidethebox Email: team@drniidarko.com Twitter: @drniidarko Merch: https://docs-outside-the-box.creator-spring.com This episode is sponsored by Locumstory. Learn how locum tenens helps doctors make more and have the lifestyle they deserve!. Check them outHERE! Locumstory. Learn how locum tenens helps doctors make more and have the lifestyle they deserve!. Check them out HERE!

SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show! Send us a Voice Message - https://www.speakpipe.com/docsoutsidethebox Have a question for the podcast? Text us at 833-230-2860 In this episode, we answer a question from our listener who is considering a locums position but is having mom guilt and wants to know how other women do it. Dr. Renée opens up about her journey working exclusively as a locums doctor while still maximizing her presence at home. If you're struggling with parental guilt this conversation is for you. FREE DOWNLOAD - 7 Considerations Before Starting Locum Tenens - https://darkos.lpages.co/7-considerations-before-locums SIGN UP FOR OUR NEWSLETTER! WATCH THIS EPISODE ON YOUTUBE! Wanna listen instead? Apple podcast: https://podcasts.apple.com/us/podcast... Spotify: https://open.spotify.com/show/7lPD2QG... Instagram: @docsoutsidethebox Email: team@drniidarko.com Twitter: @drniidarko Merch: https://docs-outside-the-box.creator-spring.com This episode is sponsored by Locumstory. Learn how locum tenens helps doctors make more and have the lifestyle they deserve!. Check them out HERE!

SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show! In this episode, Renee & Nii discuss how the common forms of debt (student loans, consumer debt, mortgage) keep you stuck in the rat race and burnt out! Things to expect in this episode: Renee clarifies how much she really owed the IRSThe Top 10 Medical Schools that keep their students in the highest debtsWhy you should consider refinancing your loansWhy the Darkos don’t co-sign loans for anyone Resources listed: Student Hero Medical School Repayment Guide How long should a car loan be 10 Medical Schools where students leave with the most debt WE WANT TO HEAR FROM YOU!!!! FILL OUT THE DOCS OUTSIDE THE BOX PODCAST SURVEY (in partnership w INCROWD) INCROWD MAKE EXTRA MONEY AS A RESIDENT OR ATTENDING - COMPLETE MEDICAL SURVEYS WITH INCROWD WATCH THIS EPISODE ON YOUTUBE! Join our community Text word PODCAST to 833-230-2860 Twitter: @drniidarko Instagram: @drniidarko Email: team@drniidarko.com Podcasting Course: www.docswhopodcast.com Merch: https://docs-outside-the-box.creator-spring.com Check out the jobs St John Associates have HERE Locumstory. Learn how locum tenens helps doctors make more and have the lifestyle they deserve!. Check them out HERE!

SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show! What if you could reshape your career and lifestyle with the freedom and flexibility you’ve always dreamed of? In this episode, we explore the exciting world of locum tenens work, sharing insights on how to start your own locums company, medical malpractice insurance and why every doctor should consider doing locums. Timeline 0:00 Introduction 2:47 What y'all say Friday! Ask us anything y'all. 3:29 Working 24 hour shifts as a doctor. 7:44 Billing & Getting paid as a locums doctor 10:47 How to Start a Locums Agency. 14:08 Not working on important days of your life. 16:24 Medical malpractice for locums doctors 21:53 Rates vs travel expenses as locums doctors 28:12 Why consider doing locums? 35:44 Is there a Diddy in medicine y'all? FREE DOWNLOAD - 7 Considerations Before Starting Locum Tenens - https://darkos.lpages.co/7-considerations-before-locums LINKS MENTIONED App for sending out receipts - https://www.waveapps.com/ To learn Ins and Outs of locums - https://locumstory.com/ SIGN UP FOR OUR NEWSLETTER! https://darkos.lpages.co/newsletter-signup/ WATCH THIS EPISODE ON YOUTUBE! Have a question for the podcast? Text us at 833-230-2860 Twitter: @drniidarko Instagram: @docsoutsidethebox Email: team@drniidarko.com Merch: https://docs-outside-the-box.creator-spring.com This episode is sponsored by Set For Life Insurance. What the Darkos use for great disability insurance at a low cost!! Check them out at https://setforlifeinsurance.com/ Locumstory. Learn how locum tenens helps doctors make more and have the lifestyle they deserve!. Check them out HERE!

SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show! Send us a Voice Message - https://www.speakpipe.com/docsoutsidethebox Have a question for the podcast? Text us at 833-230-2860 In this episode, we discuss a question from a pre-med student from a lower income background who is worried about pursuing medicine with the new student loan caps. We also offer advice on how to navigate these new financial obstacles, and whether becoming a doctor is still a viable path. If you're facing similar challenges, remember you're not alone. Reach out to mentors and be creative with your educational path. FREE DOWNLOAD - 7 Considerations Before Starting Locum Tenens - https://darkos.lpages.co/7-considerations-before-locums LINKS MENTIONED International Healthcare Volunteers (IHCV) - https://www.ihcv.org/ SIGN UP FOR OUR NEWSLETTER! https://darkos.lpages.co/newsletter-signup/ WATCH THIS EPISODE ON YOUTUBE! Instagram: @docsoutsidethebox Email: team@drniidarko.com Twitter: @drniidarko Merch: https://docs-outside-the-box.creator-spring.com This episode is sponsored by Locumstory. Learn how locum tenens helps doctors make more and have the lifestyle they deserve!. Check them out HERE! Locumstory. Learn how locum tenens helps doctors make more and have the lifestyle they deserve!. Check them out HERE!

SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show! Dr. Lucie Mitchell is a long time listener of Docs Outside. She joins Dr. Nii today to share her story about how a major panic attack in the last 3 months of residency training led her to pay off $70,000 of student loan debt in less than a year and turn medicine into art. Things to expect in this episode: How a debt-induced panic attack and a phone call with Dr. Renée resulted in an aggressive loan repayment planHow Dr. Lucie turned her back pain into art for herself and othersHow she roped the dean of her medical school into babysitting her daughterHow one of Dr. Nii's mindset episodes helped Dr. Lucie stop stalling and take action Check out Dr. Lucie's artistry at www.phoenixnoirdesigns.com WE WANT TO HEAR FROM YOU!!!! TELL US WHAT YOU WANT TO HEAR ON FUTURE EPISODES!!!! FILL OUT THE DOCS OUTSIDE THE BOX PODCAST SURVEY (in partnership w INCROWD) INCROWD MAKE EXTRA MONEY AS A RESIDENT OR ATTENDING - COMPLETE MEDICAL SURVEYS WITH INCROWD WATCH THIS EPISODE ON YOUTUBE! https://www.youtube.com/drniidarko Join our community Text word PODCAST to 833-230-2860 Twitter: @drniidarko Instagram: @drniidarko Email: team@drniidarko.com Podcasting Course: www.docswhopodcast.com Merch: https://docs-outside-the-box.creator-spring.com This episode is sponsored by Set For Life Insurance. What the Darkos use for great disability insurance at a low cost!! Check them out at www.setforlifeinsurance.com Provider Solutions & Development. Experts in holistic career coaching – check them out HERE Twitter: @PSDConnects Facebook: @PSDConnects LinkedIN: Provider Solutions & Development Locumstory. Learn how locum tenens helps doctors make more and have the lifestyle they deserve!. Check them out HERE!

SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show! Send us a Voice Message - https://www.speakpipe.com/docsoutsidethebox Have a question for the podcast? Text us at 833-230-2860 The sudden passing of Malcolm-Jamal Warner was a shock to most of us who grew up watching him as Theo on The Cosby Show. At just 54 years old, his drowning in Costa Rica while swimming with family serves as a stark reminder that water safety remains crucial for everyone, regardless of swimming ability or experience. Check the links below for crisis hotlines, therapist directories, and water safety information that could make all the difference in someone's life. FREE DOWNLOAD - 7 Considerations Before Starting Locum Tenens - https://darkos.lpages.co/7-considerations-before-locums LINKS MENTIONED 988 Suicide & Crisis Lifeline - https://988lifeline.org/ National Alliance on Mental Illness - https://www.nami.org/ To find a therapist - https://www.psychologytoday.com/ For online therapy - https://www.betterhelp.com/ If you’re griefing and need support - https://www.griefshare.org/ American Red Cross Water safety page - https://www.redcross.org/get-help/how-to-prepare-for-emergencies/types-of-emergencies/water-safety.html?srsltid=AfmBOoqkRFh8EmoeRJy7EwclvsSPzEGe_VXYRbBgO2NEGG8vEaHnjCcu National Weather Service Rip Current Safety page - https://www.weather.gov/mhx/ripcurrentsinfo SIGN UP FOR OUR NEWSLETTER! WATCH THIS EPISODE ON YOUTUBE! Instagram: @docsoutsidethebox Email: team@drniidarko.com Twitter: @drniidarko Merch: https://docs-outside-the-box.creator-spring.com This episode is sponsored by Locumstory. Learn how locum tenens helps doctors make more and have the lifestyle they deserve!. Check them out HERE!