Enrollment in Money for Women Physicians is now closed.
After 7 years, I've retired this program to make space for what's next.
Thank you to everyone who's been part of this journey. If you're an existing student, your access continues through at least December 31, 2028. Monthly live Q&A calls with me continue until December 2026.
Email us at [email protected] if you need support.
YOU’RE BRILLIANT IN CLINIC, CALL ROOMS, AND CONSULTS—BUT STUCK IN SURVIVAL MODE WHEN IT COMES TO MONEY
Money for Women Physicians is the only personal finance & mindset program built exclusively for women doctors ready to stop living paycheck to paycheck … & start building wealth that actually works.
The only personal-finance & mindset program designed for women doctors like you: so you can go from “salary-tethered physician” to “confident doctor-investor who practices medicine by choice, not necessity—in 90 days.
It’s time to master your money, reclaim your time, & finally feel at peace with your financial future.
Inside Money for Women Physicians, you’ll:
Spot your financial blind spots—within the first week
Reallocate $1k+ of “already earned” money to work smarter
Rewire your beliefs about debt, wealth, and burnout
Choose income-generating assets (without the Wall Street noise)
Start building freedom-funding cash flow in just 90 days
All without sacrificing your career, peace, or time with your kids.
You’ll stop living paycheck to paycheck (on a multiple six-figure income).
And finally become what you already are: 💼 The CFO of your life.
Time to follow the doctor’s orders—your own.
HERE'S HOW IT ALL SHAKES OUT
MODULE 1
Know Your Mind
Before you make a single money move, you’ve got to rewrite what you believe about finances aka Deschool Your Money Mindset.
This module isn’t about budgeting hacks—it’s about reprogramming the subconscious narratives that have quietly kept you stuck, stressed, or shamed around wealth-building.
You’ll learn how to:
✓ Break free from the “3 S’s” sabotaging most physicians: Scarcity, Safety, and Security conditioning
✓ Complete the Millionaire Mindset Worksheet to reframe limiting beliefs and clarify the future you actually want
✓ Identify and upgrade daily habits with Self-Coaching Mastery tools designed to replace guilt with grounded action
✓ Use the “Millionaire Friends” framework to shape your inner circle—and your net worth—with intention
You’ll also explore deep journal prompts around your money past, present, and future so you can uncover hidden patterns, break intergenerational narratives, and finally feel calm, clear, and in control.
This is where the R in R.I.C.H. begins—and where burnout starts to unwind.
MODULE 2
Know Your Numbers
Now that you’ve rewired how you think about money, it’s time to roll up your sleeves and actually look at it.
This module helps you reclaim clarity, confidence, and control over your income, expenses, debt, and reserves—without shame, spreadsheets, or starvation budgets.
You’ll learn how to:
✓ Create a Spending Plan based on joy—not judgment—using my signature Google Sheet & “Joy List” prompts
✓ Map your cash-flow reality and find $500–$1,200 in hidden leaks you didn’t realize were draining you
✓ Triage your debt (without panic), build a reserve fund, and decide what gets paid down—and what doesn’t yet
Bonus: Peek over-the-shoulder with guided YNAB tutorials (my ride-or-die budgeting app), plus strategies for increasing your clinical income and your joy.
This is the I in R.I.C.H.—Investing starts with knowing what you’re working with.
MODULE 3
Grow Your Money
If your paycheck is your only source of income—you’ve set yourself up to fail. This module teaches you how to multiply your income through investing, asset allocation, and long-term strategies that build generational wealth.
No more waiting decades for compound interest to save the day. You’ll start putting your money to work now—and finally feel like wealth-building isn’t some mysterious language you weren’t taught in med school.
You’ll learn how to:
✓ Create a Spending Plan based on joy—not judgment—using my signature Google Sheet & “Joy List” prompts
✓ Map your cash-flow reality and find $500–$1,200 in hidden leaks you didn’t realize were draining you
✓ Triage your debt (without panic), build a reserve fund, and decide what gets paid down—and what doesn’t yet
And? Explore a full Real Estate Glossary, an Investing Plan worksheet, and deep dives from guest experts like Dr. Peter Kim, Dr. Letizia Alto, and others.
This is the C in R.I.C.H.—Choose your path, and start building legacy income.
MODULE 4
Protect & Steward Your Money
You’ve built wealth—now let’s make sure you keep it, grow it, and protect it.
This module shows you how to put your financial house in order: shielding your assets, securing your accounts, and creating a system so your money runs on rails (even when life gets chaotic).
You’ll learn how to:
✓ Choose the right life, disability, and umbrella insurance coverage for your stage of life + income
✓ Draft your estate plan with confidence (even if you’re not “rich yet”) and understand trusts, wills, and tax impacts
✓ Lock down your digital life with safe word systems, password managers, VPNs, and anti-scam protocols
✓ Create your long-term money maintenance system: what to review quarterly, yearly, and when life shifts
Here, you’ll learn how to build a “legacy-safe” vault of legal docs, and craft your ongoing Financial Hygiene Plan inside your custom CFO Dashboard.
This is the H in R.I.C.H.—Honor what you’ve built, protect your people, and steward your wealth with wisdom.
Inside MWP’s core curriculum, you’ll learn to reject scarcity scripts, embrace investor identity, and chart your own rounds.
Dear burnout, meet your cure: assets that work weekends so we don’t have to.
Real Stories. Real Results.
“This program helped me go from burned-out to fully replacing my clinical income. I owe Bonnie my LIFE.”
“I finally feel peace when I look at my accounts. Money isn’t stressful anymore. It’s just a tool I know how to use.”
"If you had told me three years ago that I would have two properties giving me cash flow every month, I would’ve said no way. I felt like I was living paycheck to paycheck."
MWP is hands down worth it --100%! The mindset shift portion and the work we do in getting over the hump of just getting started is worth the investment in and of itself.
I know exactly what it feels like to be the one in the white coat… who still feels completely in the dark about money.
I’m Dr. Bonnie Koo. Dermatologist. Former money-stressed physician. Now author, coach, and founder of Money for Women Physicians.
Back in residency, I had a salary. But no clue how to use it well. I was Googling Roth IRAs and trying to decode retirement jargon while pumping between shifts. I tried financial advisors—but they either talked down to me or gave me one-size-fits-all advice that didn’t fit my life.
So I started teaching myself. Reading everything I could. Experimenting. Building. And once it clicked? I couldn’t stop talking about it.
What started as a blog became a movement.
Now, hundreds of women doctors later—many of whom have paid off debt, built real estate portfolios, walked away from toxic jobs, and created spacious, calm, freedom-fueled lives—I know this work changes everything. (Oh, and ask me about that time I booked a 16-night trip to Korea, business class, on points. Something I thought I’d NEVER be able to do—I’ll show you exactly how to track points inside.)
I created MWP because wealth should be available to women who heal the world—not just guys with MBAs and opinions.
It's so hard to think back at where I was and where I am now. I was miserable. And now I've completely replaced my clinical income and I'm just continuing to learn and grow. Where am I gonna be in 10 years? It's exciting when you think about it.
—Heidi (Obgyn)
"If you had told me three years ago that I would have two properties giving me cash flow every month, I would’ve said no way. I felt like I was living paycheck to paycheck."
—Jessica (Pediatrician)
"I identify myself as an investor, whereas before I was just someone who works for the money. I dare say this is life-changing."
—Agnes (Dermatologist)
