Taking Back Control Inside the System

Physicians spend years learning medicine but often receive little education about how healthcare actually works. Jonathan Moss, a longtime healthcare finance and revenue-cycle executive, explains why understanding FTEs, CPTs, RVUs, contracts, and organizational finances can help physicians make better career decisions while protecting their well-being and professional identity.

The conversation goes beyond financial literacy to explore career crafting, finding meaningful work, building supportive networks, and recognizing when a career no longer aligns with personal values. Jonathan emphasizes living within your means, saving for the future, and creating enough financial flexibility to give physicians choices about their workload, purpose, and future.

Listeners will learn how financial literacy, career crafting, and physician agency can create greater control, flexibility, and satisfaction throughout their medical careers.

Episode highlights

• The 20% Rule: Why physicians should build at least part of their careers around work they genuinely enjoy.
• The Physician’s Missing Owner’s Manual: Understanding FTEs, CPTs, and RVUs, and why these terms matter to your career.
• Stop Letting Your Career Own You: How financial freedom can give physicians the agency to change their workload and direction.
• Your Contract Could Change Your Life: Why physicians should never rush into a contract without trusted advisors reviewing the details.
• Productivity versus Value: Why every RVU has a hidden cost, and how a negative ROI can contribute to burnout.
• Don’t Keep Up With the Joneses: How oversized mortgages, expensive lifestyles, and excessive work can trap physicians financially.
• Build Your Posse: Why mentors, colleagues, coaches, therapists, and professional networks can help physicians navigate burnout, imposter syndrome, and career transitions.