Unlocked
Unlocked is a gym membership crossed with a video game for your money. You get monthly quests worth real points and a visible score, plus a small team that keeps you honest when you’d rather skip the workout. The information is free. The follow-through is the product.
Join the waitlistUnlocked is the paid membership at the center of Financial Fellowship. It starts with your Financial Health Assessment, a real score out of 100 across every part of your financial life. Then it turns that score into a game you can actually win: monthly quests that move your real finances forward, points for doing the work, and a Fire Team of physicians who see when you show up.
Podcasts end. Unlocked doesn’t. Nobody ever got in shape reading about exercise, and nobody ever got rich listening to a podcast. The information is free. The follow-through is the product.
Benefits
What’s inside
Who it’s for
This is for you if
- You're a physician who listens to the show and wants the work past listening.
- You know what to do with money and still don’t do it. That is most of us.
- You want a score, a team, and a reason to show up every month.
This is not for you if
- You want another course to not finish. This is a gym, not a library.
- You want to be told what to do with your own money. Unlocked teaches you how the pieces work. The decisions stay yours.
- You’re happy just listening. Stay. The show is free and it always will be.
Questions, answered
When does it open?
The fourth quarter of 2026. The waitlist hears first.
What is free and what is paid?
The Financial Health Assessment is free, and engaging with the free content costs nothing. Everything that holds you accountable is paid: quests, Fire Teams, the reward bank, the climb. Score free, accountability paid.
What will it cost?
Launch pricing is the lowest it will ever be, and it rises as the membership grows. Founding members lock their rate.
What is the 100 Club?
Score a perfect 100 on your Financial Health Assessment and you’re in for life: the gold badge, the Hall of Fame, and your name in the credits, plus a members-only package that can’t be purchased at any price. First-to-100 races run by specialty and career stage.
What is Diamond?
Earned status for the most committed members, through the 100 Club or through sustained top-level engagement. Diamonds go backstage: silent seats at live recordings, votes on new quests, early testing of content and features, plus a direct line into what gets built next.
How do Fire Teams work?
Small groups of physicians matched by career stage and situation, built for accountability. Your team sees your progress and you see theirs, and nobody wants to be the one who didn’t show up.
Does the free show change?
No. The M/W/F show stays as it is.
Is this advice?
No. Unlocked is financial education.
Get Unlocked when it opens.
Unlocked opens in the fourth quarter of 2026. The waitlist hears first.
Have a money question we have not answered?
If you have a question about a decision you are about to make, ask it here.
Ask your questionMore reading
Backdoor Roth IRA: how does it actually work, step by step?
Physician finance A backdoor Roth IRA is two legal moves: a nondeductible traditional IRA contribution, then a conversion to Roth.
Should I pay off my student loans aggressively or invest as a new attending?
Physician finance Do both, in order. The match goes first, then one month of reserves, cards to zero, and coverage.
Should I do the mega backdoor Roth, and how do I check if my plan allows it?
Physician finance The mega backdoor Roth lets you get much more than $24,500 a year into Roth through your
If you have a question about a decision you are about to make, ask it here
Ask your question