# Tim Ulbrich

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YFP 429: How This Pharmacist Saved 50% of His Income & Built a Life of Freedom

Pharmacist and entrepreneur Peyton Gilbert shares how intentional living, saving 50% of income, and family business ownership created flexibility and freedom. Episode Summary In this episode of the YFP Podcast, Tim Ulbrich sits down with Dr. Peyton Gilbert—a pharmacist, entrepreneur, and small-bu…

YFP 430: Navigating Financial Windfalls: Planning for the Unexpected

Tim & Tim discuss how to handle a windfall or inheritance with clarity emotionally, financially, and strategically during the biggest wealth transfer in U.S. history. This episode is brought to you by the American Pharmacists Association (APhA). Episode Summary Handling a windfall or inheritance…

YFP 431: 10 Financial Moves to Make Before 2026

Tim Ulbrich, PharmD covers 10 practical year-end financial moves to reduce tax burden, build clarity, and start 2026 with confidence—plus a bonus step most people overlook. Episode Summary As 2025 winds down, it's tempting to push financial decisions into January. But some of the most impactful m…

YFP 432: What Are You Optimizing For?

What if financial success isn't about saving more, but aligning money with the life you want today? Episode Summary After years of doing "everything right" financially, many pharmacists reach a surprising crossroads: retirement feels on track, but something still feels off. In this solo episode, …

YFP 433: Intentional Living with Dr. Emlah Tubuo

Dr. Emlah Tubuo shares how intentional living, whole-person care, and mindset are reshaping pharmacy, leadership, and personal wellbeing. Episode Summary In this episode of the YFP Podcast, Tim Ulbrich, PharmD sits down with Dr. Emlah Tubuo to explore what intentional living looks like in real li…

Interview with Emlah Tubuo, PharmD - Pharmacist Podcasters Series Part 14

This is the 14th episode in my Pharmacist Podcasters Series. My guests and I talk about podcasting to inspire you to start your own podcast, be a podcast guest, or use your voice in general. If you're interested in podcasting, pod-guesting or public speaking, you need to listen to this episode. My …

YFP 434: Home Buying in 2026: What Pharmacists Need to Know

Buying a home in 2026? Learn loan options, rate trends, and a new zero-down opportunity for pharmacists with mortgage expert Tony Umholtz. Episode Summary In this episode, Tim Ulbrich, PharmD welcomes back Tony Umholtz, Senior VP of Mortgage Banking at First Horizon, to break down what pharmacist…

Introducing Scripted Wealth: Money and Meaning for Pharmacists

After 500+ episodes, a new chapter begins. Learn why YFP is evolving and how to align your money with meaning to live a rich life today and tomorrow. Episode Summary After more than 500 episodes of the Your Financial Pharmacist Podcast, Tim Ulbrich, PharmD and Tim Baker, CFP®, RICP®, RLP® introdu…

Am I "On Track" Financially? What Pharmacists Often Get Wrong

What does it really mean to be "on track" financially? Tim & Tim unpack net worth, comparison, lifestyle creep, and financial clarity. Episode Summary In this episode of Scripted Wealth: Money & Meaning for Pharmacists, Tim Ulbrich and Tim Baker unpack one of the most common and emotionally loade…

The Return on Home: The Math and Meaning of Homeownership

Tim Ulbrich and Tony Umholtz explore the costs, benefits, and personal meaning of homeownership and how to decide whether buying fits your life. Episode Summary Is buying a home still a good investment? In this episode of Scripted Wealth: Money & Meaning for Pharmacists, Tim Ulbrich, PharmD welco…