Nii and Renée continue their conversation about the 11 money traps that keep doctors burned out. In today’s episode, they delve into Money Trap #2 - No Financial Planning. They break it down into three parts: budgeting, not understanding how money works, and not meeting with a financial advisor. Things to expect in this episode:The worry-free way to start a budgetHow to automate your spendingWhy money is a toolYou need a financial plan, but do you need a financial advisor or planner?Benefits and costs of getting financial adviceResources:Episode 274 - If You’re Not Saving Money, You Might Be The Problem - Money Trap #1:  https://drniidarko.com/episodes/if-youre-not-saving-money-you-might-be-the-problem-274/Check out Nerd Wallet’s article:https://www.nerdwallet.com/article/finance/best-budget-appsWhite Coat Investor Article: https://www.whitecoatinvestor.com/how-i-made-30000-taking-doctor-surveys/EveryDollar appBook Recommendation: The Psychology of Money WE WANT TO HEAR FROM YOU!!!! FILL OUT THE DOCS OUTSIDE THE BOX PODCAST SURVEY (in partnership w INCROWD)WATCH THIS EPISODE ON YOUTUBE!Join our communityText word PODCAST to 833-230-2860Twitter: @drniidarkoInstagram: @drniidarkoEmail: team@drniidarko.comPodcasting Course: www.docswhopodcast.comMerch: https://docs-outside-the-box.creator-spring.comThis episode is edited by: Your Podcast PalThis 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.comProvider Solutions & Development. Experts in holistic career coaching – check them out HERETwitter: @PSDConnectsFacebook: @PSDConnectsLinkedIN: Provider Solutions & Development