An exclusive, wealth-building program designed specifically for women physicians who are tired of feeling stressed out about money...and are ready to do something about it


If you’re a woman physician looking to achieve financial freedom while creating real work-life balance (whatever that is!) then you already know that you need to learn how to manage, invest and protect your money.

You also probably already know that learning all of this isn’t exactly rocket science, right?

After all, you are a physician - you’re one of the most highly educated and committed people on this planet!

So how can something like money--which doesn’t even require a course in biochemistry--feel so impossibly hard?

The truth is, money feels daunting for a completely different reason.

And that reason is: somehow, despite working 60+ hours per week, there’s just so little to show for it.

Every month, you watch your paycheck disappear from your bank account like a Las Vegas card trick.

Where does it all go? Oh right:

↠ Student loans

Private school for the kids

↠ Mortgage

↠ Car loan

↠ Credit card bills

↠ Etc., ad nauseam

Or worse, your paycheck has dried up due to the pandemic. Suddenly, our previously “secure” profession is no longer secure.

It’s not that you’re reckless with your money. It’s not that you don’t make a decent salary (or at least used to).

It’s that nobody prepares you for the reality of the sad Excel spreadsheet formula of having to subtract student loan debt, being bumped into a higher tax bracket, and needing to pay professional fees every year just so you can keep doing your job.

The output of that formula? Frustration, anger … perhaps sadness, and even worse: shame.

But, you’re too driven to let these obstacles stand in your way.

You didn’t get this far and achieve so much because you’re lazy!

So you’ve tried to tackle this head-on.

“I should really get a picture of my expenses.”

So you opened up a Google spreadsheet and started dutifully listing all of them...only to get depressed when you realize you should probably never eat or go on vacation again because it’s just too damn expensive.

“I should educate myself more on personal finance.”

So you downloaded a few finance books for your Kindle...only to get completely overwhelmed by all of the things you’d have to do in order to make it all work.

“I should learn more from other doctors who have figured this out.”

So you joined some personal finance Facebook groups but quickly checked out because guess what? Everyone’s just like you - too busy to participate much!

It doesn’t matter how motivated you are. It’s hard to start the path to financial freedom when you can’t even find it!

There’s just too much information out there and it’s not clear how to even start!


Most Financial advice was created by men, for men. 

(AKA, not you.)


Their advice only works because it assumes:

• The man is the breadwinner.

• His wife foregoes a career.

• And instead stays home to run the household and raise the children.

So why can’t you just flip that advice? Why can’t your husband or partner do those things instead?

Because: Women who are breadwinners don’t get to be just breadwinners. 

Especially if they’re also moms.

And that’s the truth of it right there, isn’t it? That’s the part that most financial bloggers, advisors, and experts get completely and totally wrong.

It doesn’t matter that you have a high-powered career. All of society expects you to prioritize your home and family, from your mother-in-law who’s miffed you (not her son) didn’t remember to send her a birthday card, to the kindergarten teachers who ask, “...really?” when you tell them you’re not making cupcakes for the Winter Holiday Party.

You’re expected to do it all. So when it comes to your finances? You’re juggling a LOT already and too busy to comb through all the books, blog posts, and Facebook posts out there.

If you’re ever going to get ahead of the overwhelm, you need a super-clear, simple, step-by-step plan specifically for women physicians like you. 

That’s where Money for Women Physicians comes in.


Other financial education courses were created by men, or they focus on frugality. After 4-7 underpaid years of residency, you have to wonder if you’ll be scrimping and saving for the rest of your life.

But worse, those other courses are for “everybody” which means they don’t provide the information that women physicians require in order to achieve financial success.

Instead, Money for Women Physicians teaches women physicians--you--how to become wealthy

I’ll repeat that. This isn’t about breaking even or getting by.

I bet your biggest, most audacious dreams look like this:

✓ Eliminate student loan debt

✓ Pay for kids’ college education (and keep them out of student loan debt!)

✓ Save enough for retirement

✓ Go on vacation 

✓ Build your legacy

Make no mistake - I know how truly exciting it would be to do those things.

But what if I told you that you could dream even bigger than that--
and have it become a reality?

Why settle for financial self-sufficiency when you can have the freedom and independence of wealth?

Wealth frees you up to:

✓ Indulge in the ultimate flexibility

Dreaming of taking a 6-month sabbatical with your family and heading to Barcelona--or road-tripping for the ultimate tour of our country’s coasts, mountains, deserts, and more?

Or, maybe you want to spend more time with your parents during their golden years--even though they live in another state.

Doing those things is possible, and it doesn’t have to be a magical, once-in-a-lifetime opportunity. You could do things like that regularly.

When you’re financially independent, you get to dictate who gets your time, and how you spend it with them.

✓ Practice medicine on your terms (no matter what that looks like)

Physician burnout is real. Yes, you chose medicine because you want to help people--but when you’re burnt out, it’s hard to keep helping others.

Being wealthy means you can eliminate the parts of medicine you don’t particularly enjoy. Being on call? Working weekends? Rolling your luck in the vacation lottery (and losing)?

When you have the freedom to carve out your dream practice, you don’t have to include any of those things if you don’t want to.

What does your dream practice look like?

✓ Have more time (for yourself), period.

That old adage about time being money is a lie. You can always get more money, but not time.

Each of us gets 24 hours in a day. The average life expectancy for women in the United States is 78.69 years. 

How much is your time worth to you?


Money for Women Physicians is the only course that:


✓ Teaches you core financial concepts as they pertain to your reality as a doctor and a woman

✓ Keeps you accountable along the way

✓ Gives you access to lifetime live support so you can get your questions answered or help you get unstuck

✓ Offers a private, supportive community of women physicians just like you who want to give and receive help, information, support, and encouragement all along the way

Money for Women Physicians is not “just a course”

Also included: coaching. In fact, you get lifetime access to a certified physician coach every month. 

What is coaching? Coaching gets to the core of the root problem -- your thinking. How you think about anything affects everything that you do or don’t do. If you’re reading this you may be thinking that learning about money is hard or overwhelming, or worse, that you will never have enough. Notice how you feel when you think these thoughts. I’m guessing you don’t feel great! 

Coaching helps you understand why you choose to think and believe certain thoughts and not others. Coaching helps you see that these are simply thought errors, and empower you to create new ones. Because when you believe that money is easy, you start taking action … such as starting a successful side gig, or finally asking for that raise, or taking more risk with your investments. 

But don’t just take my word on it. Coaching is now a recognized evidence-based intervention in physician wellness (RCT in JAMA August 2019 by the nation's leading experts in physician wellness). Physician finances, specifically, the lack of financial knowledge and high student loan burden has been proven to decrease physician wellness (duh).

Want to know more about what coaching is? Watch this video.

This is what’s inside Money for Women Physicians 

This online course is delivered in 6 modules with a digital workbook + templates.

Empower Your Mind

Part 1: Your Mind is Your Greatest Asset
Part 2: Money, Redefined
Part 3: You and Money
Part 4: Cultivating a Wealthy Mindset

Before we ever get into the nuts and bolts of personal finance, we’ll get to the root cause of your financial woes: your money mindset.

Most of us grow up thinking about money in a way that prevents us from ever becoming wealthy. I’ll teach you the secrets behind changing that mindset so you can become wealthy.

Spending & Debt

Part 1: Introduction to Financial Literacy
Part 2: Cash Flow I
Part 3: Cash Flow II
Part 4: Cash Flow III
Part 5: The Work

A big piece of the money stress puzzle is simply not knowing what’s happening with your money (aside from the grief of watching all of it go toward paying your monthly bills!).

No matter what, you need to understand those numbers before you can even begin addressing them. Again, this is where mindset changes can help you. You’ll learn to see all of those numbers as just numbers. This subtle psychological shift will have a huge impact on your spending.

Think Beyond Your Clinical Income

Part 1: Your Investing Mindset
Part 3: The Stock Market
Part 4: Introduction to Real Estate
Part 5: Retirement Plans - Part 1
Part 6: Retirement Plans - Part 2
Part 7: Retirement Plans - Part 3
Part 8: Your J.O.B.
Part 9: Create Your Investing Plan
Bonus: Expert calls with Real Estate Investors

Is your paycheck your only source of income? If so, you’ve set yourself up to fail! The real secret to wealth is to take that money and put it to work making more money via a strategic investing plan that will create long-term, money-making machines for you.

Protecting Yourself from Financial Catastrophe

Part 1: Introduction to Asset Protection
Part 2:  Life Insurance
Part 3: Disability Insurance
Part 4: Liability Insurances
Part 5: Divorce Insurance
Part 6: Other Considerations
Bonus: Expert Calls with Insurance Agents

Don’t make all of that money only to lose it! You absolutely need to insure yourself against financial catastrophes. This step is so critical and often-overlooked. I’ll show you exactly which insurances you need and how to prioritize them.

Your Legacy: Estate Planning

Part 1: Introduction to Estate Planning
Part 2: Introduction to Trusts
Part 3: Estate Taxes
Part 4: Charitable Donations
Part 5: Organize Your Documents
Bonus: Money & Kids

As doctors, we know all too well that death is inevitable but also unpredictable. What will happen to your family after you die? Planning for your estate is the last piece of financial “adulting” you need to learn before we put it all together in Module 6.

Financial Planning: Creating a Life on Your Terms

Part 1: Retirement & Metrics
Part 2: Your Wealth Plan

This is the best part - where you put it all together to create the life you’ll love. You’ve learned how to think about money differently and armed yourself with all the information you need. It’s time to seize your financial power and create and plan your dream life.


But wait - there is more

Get the support when you need it and have the flexibility to do the course on your schedule. 

Bonus #1: Lifetime Twice a Month Live Support

Remember being able to ask your college professor questions during their Office Hours? Twice a month there will be live support to get all of your questions answered.  Or get coached by a certified coach to help you navigate where you are stuck when it comes to money. These twice a month calls are available to you forever without any additional fees.

These sessions are recorded if you can’t make it live and uploaded to the course site.

Bonus #2: Q&A Box

Stuck or confused about something? No problem, you will be able to ask me questions and search previously asked questions.

Bonus #3: Private Community

I know how much we value our privacy and how much we love being with other women physicians. That’s why this course is exclusive to women physicians only. We will be in our own private community to learn, grow and share our journey with each other.

Your investment for Money for Women Physicians

Of course, there are alternatives to doing this course. 

The “free” alternative that actually costs $10,000 (or more): You could keep sifting through books, blogs, Facebook posts, webinars, eBooks or worksheets and then cobbling it together. But how many hours will that take you? Multiply that by the number of hours you’ve already spent trying to figure this out on your own and you get at least $10,000.

Hiring a professional Financial Advisor: This is tempting, because you’ll have someone who has to figure out all of it for you. Right? Wrong. You’d still have to do all of the work you’d do in Money for Women Physicians  around gathering numbers and learning about your options - and then pay your Financial Advisor an average of $5,000 - $10,000 per year (and this is forever, not just one or two years of working together). And don’t forget - your FA will be working with all of that advice created by men, for men.

Or, you could take Money for Women Physicians. You’ll become an expert in finance in less time than it takes to do it by yourself, because I’ve carefully curated and tested all the information you’ll really need to become wealthy.

Your total investment will be 3 monthly payments of $697.

Money for Women Physicians

The ONLY money program for women physicians like you who are overwhelmed trying to figure out where to start...and are ready to take decisive action once and for all.

In this course, you will:

  • Learn the specifics of eliminating student loan debt, saving for retirement, creating new pillars of income, and other core financial concepts.
  • Get bonus lessons taught by experts in Real Estate, Insurance and more.
  • Become a part of a supportive community of women physicians just like you who want to give and receive help, information, support, and encouragement all along the way.
  • And, best of all, discover exactly how to think differently about your you can have more of it!

3 monthly payments of $697

  • Money for Women Physicians Online Course
  • Digital Workbook
  • Templates
  • Twice a month live support calls
  • Q&A Box
  • Private Community

100% Risk Free

There is truly no risk. I guarantee this program.

You may request a refund and get all of your money back. See FAQ below for full details on the refund policy.

Why should you listen to me?

Because I’m a physician, a mom, and someone who figured out how to get rid of over $200,000 of student loans and credit card debt...and now I’m sharing all of my knowledge with you.

Hi, I’m Bonnie Koo of Wealthy Mom MD, creator of Money for Women Physicians. I’m a board-certified dermatologist who’s passionate about teaching personal finance strategies designed specifically for women physicians. I’m also a certified coach with The Life Coach School.

You probably know me from Facebook groups like Women Physicians Personal Finance and Wealthy Mom Physicians -- the largest online communities of women physicians committed to mastering their finances. Or maybe you heard me on the Wealthy Mom MD Podcast.

However, there’s a big difference between me and most of the people giving out financial advice on the internet: I’ve been in your shoes. 

Just like you, I:

  • Had to work hard and prove myself as a physician
  • Found myself struggling with credit card debt and student loan bills, so I never felt like I could really get ahead.
  • Had to overcome significant mindset blocks and beliefs about money.

I went on a quest to learn everything I could about getting myself out of debt and creating financial reserves. And now?

✓ I eliminated those debts.

✓ I can practice medicine in a way that feels good to me--right now, that’s teledermatology but just recently I was “living la vida locums” Hawai’i with my family!

✓ When the pandemic hit, you bet I came up against some limiting beliefs around money, but instead, I've actually increased my income and purchased real estate investments.



Kelly, Ophthalmology

Madhavi, Internal Medicine

Tania, Orthopedic Surgery

Svetlana, Anesthesiologist

Andrea, Physical Medicine


Frequently Asked Questions


It all comes down to these two choices.

You can do nothing...and be in the same, agonizing financial position next year. 

Or you can enroll in Money for Women Physicians and finally, once and for all learn how to become financially free...and create a life you’ll love.