The Responsible Resident
The Responsible Resident Podcast is a short-form educational series designed for medical students, residents, and fellows who want clarity around financial decisions during training, without pressure, sales, or noise.
Hosted by Amber Stitt, co-owner of MD Disability Quotes and a 15-year specialist in physician income protection, this podcast focuses on what truly matters during medical training: timing, underwriting, and protecting future earning power.
Most residents believe financial decisions can simply be handled later. What this series explains, calmly and clearly, is that some decisions are influenced by health history and timing. Flexibility exists during training, but it does not last forever.
You don’t need to take action immediately. The goal is competence first, so when decisions matter, you’re prepared.
If you’re in training and want to understand your options before they narrow, this podcast is for you.
The Responsible Resident
Latest Episodes
Physician Disability Insurance Hidden Tax Trap: Why Deducting Premiums Could Cost You Later - RR Ep 18
Should doctors deduct disability insurance premiums, or protect tax-free benefits later? In this bonus episode of The Responsible Resident Podcast, Amber Stitt breaks down one of the most misunderstood physician disability insur...
Why Group Disability Insurance May Not Be Enough for Physicians with Ethan Abramowitz - RR Ep 17
Do physicians really have enough disability insurance through their employer? What are the hidden limitations of group long-term disability (LTD) insurance, and how does it compare to individual true own-occupation disability insura...
What Physicians Need to Know About COLA Riders & Future Purchase Options with Ethan Abramowitz - RR Ep 16
Should physicians add a Cost of Living Adjustment (COLA) rider to their disability insurance policy? How do Future Purchase Options (FPOs), also known as Future Increase Options (FIOs), protect future earning power and insurability?...
Expert Legal Advice from Disability Insurance Attorney Ethan Abramowitz - RR Ep 15
What happens when a physician files a disability insurance claim? How do own-occupation disability insurance policies, residual disability benefits, and group disability insurance contracts actually perform during a claim?In this episode...
Amber Shares Why She Created The Responsible Resident - RR Ep 14
Why does disability insurance planning matter so deeply for physicians and how do early financial decisions shape long-term freedom and resilience?Disability insurance for physicians, financial resilience, income protection, and physicia...