Dr. Nisha Dave 

Pharmacist, Anesthesiologist & Financial Enthusiast

My Story

Hi! I’m Nisha—Pharmacist, Anesthesiologist, and Financial Enthusiast. But these titles came later. I started out exactly where many of you might be now: juggling long nights in medical school and residency, getting by on peanut butter and jelly sandwiches, buried in student debt, and uncertain when I’d finally catch a break.

The shift began with a realization. I didn’t want to repeat my parents’ struggles, and I didn’t want to just scrape by in a cycle of exhaustion and financial worry. I wanted to *thrive*, to feel secure and free, not just for my family’s peace of mind but for my own. The idea of investment banking tempted me, but it felt so distant, almost impossible. How could I step into that world with a capped salary and mounting expenses?

Two Paths

As I looked into the future, I saw two paths. One was filled with restrictions, budgeting, and compromises; the other was abundant, empowering, and free of scarcity. So, I decided to rewrite my story. I took a bold step and met with a financial advisor. Sitting across from him, staring at the daunting reality of my debt, I took a deep breath and said: “I want to be here in five years.” That commitment was the beginning.

One step at a time, I rebuilt my financial life. I learned. I grew. And now, I’m here—standing on a foundation I built myself, watching my financial security expand, and I'm passionate about helping other doctors achieve the same.

What surprised me most along the way was how many fellow doctors were avoiding investment, paralyzed by fear and debt. We devote so much to our patients: educating, testing, guiding, and prescribing to improve their long-term health. But when it comes to our own financial health, too often we forget to invest. I realized that if we don’t nurture our finances, our money’s health—like our patients’—will never flourish.

You might be wondering, *How did I get here?* How did I go from $200,000 in debt to over $1 million in assets in just five years? That’s the journey I’m excited to share with you. Let's build a future where you don’t just survive—you thrive.

So, how did I do it?

Picture this: fresh out of med school, stepping into residency with a crisp $200,000 in student loans weighing down my dreams. My paycheck barely covered rent, food, and a few loan payments, so forward progress felt like… a myth? Could I even make it through? Every morning, I'd stumble out to my beat-up, 2000 Gold Honda Accord at 5 a.m., cross my fingers that it would start, and hope I had enough gas to make it to the hospital for my 6 a.m. shift. Glamorous, right?

This all might sound familiar. I knew something had to change, or I'd be stuck in financial limbo forever. So, I set an audacious goal: hit a net worth of over a million dollars within five years of graduating. Or was I just completely delirious from exhaustion? Either way, it was on!

Step One: A Mental Shift  

I wasn’t just a resident—I was an investor-in-training (cue Rocky soundtrack). My cash flow was tighter than my stethoscope, but I got serious about personal finance. Every spare moment, I devoured articles on high-yield savings, index funds, and retirement accounts. I also tracked every single dollar, only to realize my big expense? Eating out. No more fancy asian and italian dinners (I just love noodles!)—just strict budgeting, takeout cutbacks, and a newfound friendship with meal prep.

Starting small, I scraped together an emergency fund and put a little into a Roth IRA (although to be real, I still wasn’t sure if I even had real retirement benefits). The returns were microscopic, but hey—compounding interest had officially begun! Then I did something a bit bougie: I called a financial advisor. Did I need one? Probably not. But with my hours, I could barely handle budgeting, let alone the stock market.

 

 My First Big Purchase 

When I finally became an attending, I celebrated by buying a Subaru Forester with *all* the bells and whistles. All-wheel drive, baby! Northeast weather be damned—I was prepared. But then I was done with the splurging; next came the avalanche: I tackled my high-interest loans first, throwing in extra payments whenever I could. Was it glamorous? No. But those extra payments were like chopping bricks off my debt mountain.

Automating and Side Hustling Like a Pro  

I automated transfers into my shiny new investment accounts. It started small, but every transfer felt like a little win. Confidence boost? Check. Financial health? Improving. Then I got creative with extra income. With residency exhaustion behind me, I squeezed in some locums work and extra shifts (on *actual* vacation days…ah, the irony). Every dollar went to investments and debt. And yes, I rewarded myself—nice dinners here and there, and I even budgeted for two legit vacations a year. *Big time*.

Diving into Real Estate 

By Year 4, I felt pretty unstoppable. My debt was shrinking, my savings were growing, so naturally, I took the plunge into real estate. That’s right—I did a big, “adult” thing and bought a condo! With some savings and improved credit, I got a solid deal (low interest rates were a lifesaver). Cha-ching! My net worth and financial security were on the rise without having to sacrifice every weekend to extra shifts. Win-win.

And Finally, the Million-Dollar Moment  

By Year 5, everything was clicking into place. I was debt-free, my investments had compounded, and I was building equity in my condo. Each paycheck now fueled both my real estate ventures and stock investments. I’d learned all the magic words—tax-advantaged accounts, high-yield opportunities, budget control—and even made some celebratory upgrades. But I stayed on track, and by the end of that fifth year, I finally hit it: a net worth of over a million dollars.

Turns out, the journey from a struggling resident with an old Honda Accord to a seven-figure net worth wasn’t easy, but with discipline (and maybe a few sleepless nights), it was absolutely doable. And now? I'm here to share the journey with you.

Get Started with Personalized Coaching

Coaching 

Hey there! I’m a doctor who spends my days treating patients in the OR and my free time helping others take control of their finances. My journey into financial coaching wasn’t planned—it started out of pure necessity. Like so many in healthcare, I left medical school with sky-high student loans and quickly realized I had zero training in managing money. I remember staring at those loan statements, thinking, How on earth am I supposed to get ahead?

So, I did what I knew best: I researched, learned, and started applying everything I could about budgeting, investing, and building wealth. Over time, I turned my finances around and achieved a level of security I hadn’t thought possible. But as I looked around, I saw that so many other doctors and healthcare pros were in the same boat—skilled, hardworking, and yet financially stressed. We’re already dealing with so much at work: patients, long hours, administrative burdens, and sometimes limited resources. 

Shouldn’t those be the things we focus on solving, rather than constantly worrying about financial survival? And then there’s the fact that our families need us too, to be fully present—not weighed down by money stress.

I have now been coaching my fellow colleagues for over 2 years now and have helped them increase their net worth by 20%-50%. This has allowed them to take control of their financial future, and feel empowered to build a life of stability and freedom. 

What You Get:

Access to course and its materials 

3 hour zoom session with Nisha 

Ask all your questions and get guidance on financial decisions

What to Expect: 

Discover Budgeting Skills That Work For You

Review Your Retirement Planning

Financial Goal Setting For You

Learn To Adapt A Financial Mindset

Personalized Plan To Tackle Debt Made For You

Align Your Investment Plan With Your Investment Style

Create A Financial Crisis Management Plan

Implement Tax Efficient Financial Investments

Improve Financial Literacy,
From Credit Scores
To Investing And
Retirement

Schedule Now!

HERE

I know the medical grind, the mental load, and the debt stress—and I also know that financial security is possible. So let’s go from surviving to thriving—together!