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Docs Outside The Box

Docs Outside The Box

By: Dr. Nii Darko
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About this listen

Docs Outside the Box is a fusion of money, medicine, and pop culture. After paying off $662,000 in student loan debt, quitting their jobs, and launching 3 businesses, husband and wife, Drs. Nii and Renée Darko, have a lot to say about earning, saving, and investing your way to the lifestyle you’ve always wanted. These two docs parley about personal finance, careers, and the real world. Tune in for the gems. 💎 Stay for the laughs .😂 Welcome to medicine’s new media!

© 2025 Docs Outside The Box Career Success Economics Leadership Management & Leadership Personal Finance
Episodes
  • PSLF Guilt, Family Expectations, and Financial Reality. #473 Part 2

    PSLF Guilt, Family Expectations, and Financial Reality. #473 Part 2
    Dec 8 2025

    SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show!

    We tackle a raw listener question about carrying $520k in med school debt, feeling guilty about pursuing Public Service Loan Forgiveness, and navigating first‑gen family expectations. We break down what PSLF really is, why it exists, and how to compare it against traditional and accelerated payoff paths.


    FREE DOWNLOAD - 7 Considerations Before Starting Locum Tenens - https://darkos.lpages.co/7-considerations-before-locums


    LINKS MENTIONED

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    Send us a Voice Message - https://www.speakpipe.com/docsoutsidethebox


    Have a question for the podcast?

    Text us at 833-230-2860


    Wanna listen instead?

    Apple podcast: https://podcasts.apple.com/us/podcast...

    Spotify: https://open.spotify.com/show/7lPD2QG...



    Instagram: @docsoutsidethebox

    Email: team@drniidarko.com

    Twitter: @drniidarko


    Merch: https://docs-outside-the-box.creator-spring.com


    This episode is sponsored by

    Locumstory. Learn how locum tenens helps doctors make more and have the lifestyle they deserve!. Check them out HERE!
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    18 mins
  • ACA Premium Spike 2026: What Doctors, Residents & 1099 Physicians MUST Know. #473 Part 1

    ACA Premium Spike 2026: What Doctors, Residents & 1099 Physicians MUST Know. #473 Part 1
    Dec 8 2025

    SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show!

    The Affordable Care Act marketplace is facing a massive premium spike in 2026 — and Congress is running out of time to stop it.
    In this episode of Docs Outside The Box, Dr. Nii and Dr. Renee break down exactly why ACA premiums are increasing, what happens if Congress does nothing, and how this will impact:

    • Medical students
    • Residents & fellows
    • Early-career doctors
    • 1099 independent contractors
    • Locums physicians
    • Patients relying on marketplace plans

    Whether you buy your own insurance or you care for patients who do — this episode gives you the real-world implications and action steps you need right now.

    In This Episode You’ll Learn:

    ✔️ Why ACA marketplace premiums could jump 40–60%
    ✔️ How expiring federal subsidies affect patients AND physicians
    ✔️ Why independent contractors will feel the biggest financial hit
    ✔️ The impact on hospitals, uninsured rates & ER volume
    ✔️ What doctors can do NOW to prepare (financial steps included)


    🎧 Perfect Episode For:

    • Medical students navigating their first insurance decisions
    • Residents & fellows in high-deductible plans
    • New attendings planning their 2026 budgets
    • Locums docs & 1099 contractors buying their own insurance
    • Any clinician wanting clarity on the latest healthcare policy changes


    FREE DOWNLOAD - 7 Considerations Before Starting Locum Tenens - https://darkos.lpages.co/7-considerations-before-locums


    LINKS MENTIONED

    ACA Premium Spike Analysis — HealthSystemTracker
    https://www.healthsystemtracker.org/brief/how-much-and-why-aca-marketplace-premiums-are-going-up-in-2026/?utm_source=chatgpt.com

    Subsidy Expiration Breakdown — Center on Budget and Policy Priorities
    https://www.cbpp.org/research/health/health-insurance-premium-spikes-imminent-as-tax-credit-enhancements-set-to-expire?utm_source=chatgpt.com

    Congressional Update on ACA Debate
    https://cnycentral.com/news/nation-world/congress-enters-crunch-time-to-figure-out-how-to-deal-with-aca-subsidies-affordable-care-act-obamacare-health-insurance-premiums?utm_source=chatgpt.com

    Independent Contractors & ACA Tax Credit Changes
    https://jasonfintips.com/insurance-risk-management-blog/affordable-health-insurance-for-independent-contractors-understanding-the-new-aca-tax-credit-changes/?utm_source=chatgpt.com


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    WATCH THIS EPISODE ON YOUTUBE!


    Send us a Voice Message -

    Locumstory. Learn how locum tenens helps doctors make more and have the lifestyle they deserve!. Check them out HERE!
    Show More Show Less
    34 mins
  • Q&A Locums And Life Between U.S.A & Ghana With $478K Debt. #472 Part3

    Q&A Locums And Life Between U.S.A & Ghana With $478K Debt. #472 Part3
    Nov 18 2025

    SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show!

    Send us a Voice Message - https://www.speakpipe.com/docsoutsidethebox

    Have a question for the podcast?

    Text us at 833-230-2860


    We help a graduating resident weigh a bold plan of using locums to pay down $478k in student loans while planning a sustainable U.S.–Ghana travel rhythm. If you’re a physician considering locums, global living, or a career design that puts family and culture first, this conversation gives you a clear, workable path forward.


    FREE DOWNLOAD - 7 Considerations Before Starting Locum Tenens - https://darkos.lpages.co/7-considerations-before-locums


    LINKS MENTIONED

    SIGN UP FOR OUR NEWSLETTER! https://darkos.lpages.co/newsletter-signup/



    WATCH THIS EPISODE ON YOUTUBE!



    Instagram: @docsoutsidethebox

    Email: team@drniidarko.com

    Twitter: @drniidarko


    Merch: https://docs-outside-the-box.creator-spring.com


    This episode is sponsored by

    Locumstory. Learn how locum tenens helps doctors make more and have the lifestyle they deserve!. Check them out HERE!
    Show More Show Less
    14 mins
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