Is It Possible For A Physician Mom To Truly Have It All Without Giving Her All?


You want choices. Maybe that means working a little less or taking that amazing job that pays less or spending more time with your loved ones. Or all of the above!

But you have 6 figure student loans. You have no idea what an index fund is or if you have a 401(k). You’re worried because you still haven’t started a college fund for your little one.

You have no idea where to start or who you can trust.

Wealthy Mom MD Bonnie Koo-0013
Hi Im Bonnie

I’m Bonnie, a board-certified dermatologist and reluctant ex-New Yorker.

I started this website (originally as Miss Bonnie MD) when I realized there is an enormous gap in knowledge and resources not only on how women physicians should manage money, but also how they should tackle the rising cost of childcare, divorce, elder care, and other unique concerns for us breadwinning women.

I had a late start finishing residency at age 38, but I am well on my way to financial independence.


Let me help

At Wealthy Mom MD, you will find critical financial topics demystified. As a certified coach with The Life Coach School, I also teach you the mindset tools to think differently about money on my podcast.  If you're ready to go all in, then I invite you to check out my programs.

Wealthy Mom MD Bonnie Koo-0045

Wealthy Mom MD’s Mission

My mission is to empower women physicians to build wealth and create the life they want. Financial freedom enables you to create the life you love.

You aren’t choosing between being the best physician for your patients or being the best mother or partner or friend. Time is our most precious commodity, and handling money enables you to truly have it all.

My story

I’ve always had a knack for making money (as evidenced by my successful lemonade stand as a 10-year-old) and initially worked for Morgan Stanley after graduating from Barnard College. I made 6 figures by the age of 23. But my urge to truly help people never left and I pursued my medical degree at Columbia University, ultimately realizing my goal of running an inpatient dermatology service at a major academic institution.

But before I graduated from residency, I was living paycheck to paycheck (actually worse and often ran out of money before the next paycheck) and accumulated $20,000 of credit card debt. I also had over $200,000 in student loans. About 10 years prior to that, I had cashed out my 401(k) plan at Morgan Stanley.

No one told me this was a bad idea. In fact, no one really taught me anything about money.

Serendipitously, I overheard a few co-residents discussing money and investing during my last year of residency. They told me to read the White Coat Investor book. I began to consume everything I could find to learn more about money and investing.

A few years later, I found myself answering everyone’s financial questions in a Facebook group. I started teaching residents and medical students about personal finance. With the growing physician burnout epidemic, I’ve been asked to discuss finances and share my story on physician podcasts. I spoke about some of my favorite topics—outsourcing and prenups—at the inaugural White Coat Investor conference in 2018.

Wealthy Mom MD Bonnie Koo-0072

But perhaps most importantly, I found myself. I am a physician, a mother, stepmother, and fiancé trying to figure out how to be an incredible doctor to my patients, the best mom and stepmom, and a supportive and loving partner. I love spending time with my family, cooking for my growing toddler, and traveling the world.

I want to have it all. And I want you to have it all too.