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
Top 5 Reasons Physicians Get Declined for Disability Insurance (and How to Avoid Them) - RR Ep 22
What can cause a physician to be declined for disability insurance? In this episode of The Responsible Resident, Amber Stitt explains the five most common underwriting challenges physicians face and, more importantly, how to avoid t...
Can GLP-1 Medications Affect Your Disability Insurance Underwriting? - RR Ep 21
Can taking Ozempic, Wegovy, Mounjaro, Zepbound, or another GLP-1 medication affect your disability insurance application? In this episode of The Responsible Resident, disability insurance expert Amber Stitt explains how dis...
6 Assumptions That Keep Physicians from Buying Disability Insurance - And Why They Deserve a Second Look - RR Ep 20
Why do so many physicians postpone buying disability insurance? Is employer group disability insurance enough? What are the biggest misconceptions about physician income protection?In this episode of The Respo...
What Is an Elimination Period? Understanding When Disability Benefits Actually Begin - RR Ep 19
What is an elimination period in disability insurance? How long do physicians have to wait before disability insurance benefits begin? Understanding the disability insurance waiting period is essential when designing an ...
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...