In today’s episode of Framework, Jamie talks with Dr. David Rhoiney, a surgeon and the founder of SurgiFi, a personal finance site dedicated to helping people achieve financial independence.

Growing up, David faced insecurity at almost every level and his first interactions with money were reactionary rather than deliberate. He moved around frequently as a child and he and his family lived out of a car for most of that time.

But things started to change when he entered the Naval Academy at 17. At the Naval Academy, he had a coach and sponsor who realized he wasn’t managing his money well and taught him how to get out of the cycle of scarcity. David’s motivation to achieve his goals is what drove him during his time at the Naval Academy and then eventually through medical school.

Along the way, he realized that people with limited financial experience also had limited access to information about money. That disparity in knowledge has pushed David to help people through his personal finance blog.

David talks with Jamie about growing up without any financial security, his journey to becoming a surgeon, and why he’s passionate about financial literacy and education.

(22:55) “The big thing about money is everyone gets emotional. It’s the same with sports. Financially, I reacted wrong when I paid off all my credit cards. It was a bad emotional response. But at the same time, I can see the bigger picture. I know the goal is to win the game. Whether it’s the financial game, a game in sports. Sports provided me a mechanism to really hone my skills. ~ @RhoineyD

Main Takeaways

  • Understanding how finances work early in life is critical for success later. From how and why to save, to how to properly use credit cards, many people never learn even the most basic financial concepts.
  • If you can increase the market size, you can increase your revenue. That’s why it’s important for advisors to help people learn more about their finances so that when they do have enough money to invest with you, you already have that relationship established.
  • As an advisor, it’s important to educate your clients on why keeping a long-term plan and vision is critical. It’s often difficult for people to see beyond the day-to-day challenges, so it’s your responsibility to stay focused on the future.
  • Many people make emotional decisions when it comes to money. The more people can learn about their finances, the more likely it is that they will be logical with their decision-making.

Links and Important Mentions

Get a Free Coaching Call From a Carson Group Executive Business Coach

It’s important to get an outside perspective from inside the industry. Our executive business coaches have years of experience in building and growing advisory firms. In fact, our coaching members grow 2.5x the industry average over a two-year period.

So here’s our challenge to you: put a framework in place for your business by getting a free coaching call. One of the most important calls with your coach is the first one. And we’re giving it away for free.

Go to to sign up for your free coaching call with a Carson Group Executive Business Coach.

Subscribe and Stay in Touch

facebook twitter linkedin mail print
Share Post: facebook twitter linkedin mail print
Recent Posts

Jessica Flynn: Attracting & Retaining Next-Gen Talent

By: Ana Trujillo Limon
What powers the future of financial advisory? In this episode, Ana Trujillo Limón, Director, Coaching and Advisor Content, speaks with Jessica Flynn, Director of Account Strategy at, about …

The Why, What and How of Attracting and Retaining Gen Z Stakeholders

By: Jessica Harrington
Sometimes mindlessly scrolling TikTok isn’t a total waste of time. It might actually give you some insight into how the different generations work. One TikTok I recently watched depicts …

Jalen Blackmon, Jabin Moore & Isaiah Johnson: Diversifying Workplace Culture With Gen Z

By: Ana Trujillo Limon
Are you ready to dive into what it takes to attract and retain the next generation of professionals in the finance industry? In this episode, Ana Trujillo Limón, Director, …

Debra Taylor, CPA/PFS™️, JD, CDFA®️: Navigating Women’s Financial Challenges

By: Ana Trujillo Limon
With studies showing that women often leave advisors if not feeling connected, wealth managers must understand the importance of building relationships with female clients. Tune in to the Framework …
1 2 3 143