My Finance MD

True Wealth meets True Health.

Dr. Pinky Intal the person behind My Finance MD talks about her advocacy in to save the next generation.

Follow her ❤️❤️❤️

7 HARSH MONEY RULES

FOR DOCTORS & PROFESSIONALS:

1. High income does not mean you are wealthy.
Many doctors earn well but own very little.

2. If you cannot stop working for 6 months without panic, you are not financially secure.

3. Buying car, condo, or luxury items to “reward yourself” too early will delay your freedom.

4. The more fixed monthly expenses you have, the more trapped you become.

5. If you cannot clearly explain why you bought it, you bought it emotionally.

6. Prestige is expensive. Peace is priceless.

7. Financial freedom is not about earning more.
It is about needing less.

SAVERS are LOSERS 👎👎👎

People get uncomfortable when I say this.
But as a doctor, I have to say it anyway.

Good savers still lose financially.

Not because they are careless,
but because they are following outdated advice.

Most Filipino professionals were taught the same formula:
Save consistently.
Put money in the bank.
Rely on SSS or a retirement fund.
Avoid risk.

It sounds responsible.
It feels safe.

But it ignores one critical diagnosis: inflation.

In the Philippines, long-term average inflation is around 4 to 5 percent per year.
Some years lower. Some years much higher.

Meanwhile, most regular savings accounts earn less than 1 percent, often around 0.1 to 0.25 percent.
To earn 1 to 2 percent, your money usually has to be placed in a time deposit.

Even then, your money still grows slower than the cost of living.

That gap matters.

Every year, your peso quietly loses purchasing power.

❌Food costs more.
❌Electricity costs more.
❌Tuition costs more.
❌Healthcare costs more.

So even disciplined professionals eventually realize something uncomfortable:

Their money did not keep pace with real life.

Saving alone does not build long-term financial resilience.
It preserves money temporarily, until rising costs slowly erode it.

That is not poor discipline.
That is a system mismatch.

Financially stable professionals think differently.
They do not just save income.
They convert income into assets that can grow.

✅Businesses that earn beyond active labor

In medicine, we do not manage symptoms forever.
We address root causes.

The same principle applies to financial health.

The real question is not whether you save.
The real question is whether your financial system can survive inflation.

If you are a Filipino professional who wants clearer, evidence-based conversations about money and financial health,
follow me for more insights like this.

Real-Talk tayo! 😫🤕

Many doctors are financially “okay” on paper,
but quietly stuck in systems that no longer serve their lives.

High effort.
High responsibility.
Low margin for rest, choice, or flexibility.

This isn’t about being bad with money.
It’s about being trained to survive, not to design.

Most of us were taught:
• Earn more
• Work harder
• Save when you can
• Hope it’s enough later

But the world changed.

Income tied purely to time and availability is fragile.

Debt decisions made early compound quietly.

And financial stress shows up: in health, relationships, and burnout, long before it shows up in bank statements.

This is why financial health matters.

Not as hustle culture.
Not as quick wins.
But as part of whole-person stewardship.

Here, we’ll talk about:
• Income structures doctors were never taught
• Sustainable systems, not survival mode
• Aligning money with health, purpose, and season of life

If you’re a doctor re-evaluating how you work, earn, and live:
this space is for you.

The conversation continues.

Comment “Relate” if you can relate!

— Dr. Pinky

After years focused on health, I’m reopening conversations on Financial Health for Doctors.

For those who’ve been part of MyFinanceMD from the early years, thank you.

For those who are new, welcome.

More than a decade ago, I started MyFinanceMD as an educational platform to help doctors and professionals understand money, income, and long-term security beyond day-to-day survival.

Then the pandemic happened.

Like many in healthcare, my focus shifted deeply into preventive medicine, health education, and building systems that help families withstand crisis, uncertainty, and long seasons of pressure. That season reshaped how I see work, income, freedom, and stewardship.

Now, something interesting is happening.

Over the past months, fellow doctors have been reaching out again, asking for talks, conferences, and conversations around financial health. Not out of curiosity, but out of necessity.

Because the reality is:
👉Many doctors are exhausted
👉Income is often tied to effort and availability
👉Financial decisions made years ago may no longer fit today’s world

So I’m reopening this space. Not to sell, but to teach, reflect, and reframe financial health for doctors in today’s reality.

Financial health is part of whole-person health.
Income should support life, not consume it.
Sustainable systems matter more than short-term wins.

In the coming months, I’ll be sharing:
• Educational conversations on financial health for doctors
• Speaking engagements and professional learning sessions
• Updates on the next edition of my book for physicians

If you’re a doctor or healthcare professional who believes that health, income, and purpose must align, you’re in the right place.

Welcome back to the conversation.

Dr. Pinky De Leon-Intal
Founder, MyFinanceMD

📚 Who’s been waiting for the reprint?
💸 Greenbook for Doctors: A Physician’s Survival Guide to Personal Finance is coming back!

Whether you're a fresh grad or a seasoned consultant, this is your go-to guide for mastering money as a medical professional. Real talk. Real tools. Real transformation.

👩‍⚕️👨‍⚕️ Financial freedom isn’t a dream—it’s a discipline.
Tag a doctor who needs this book. 💼💡

📦 Limited reprints—Reserve your copy NOW!
👇 Comment “I WANT ONE” or message us directly!

https://forms.gle/gKnCGuDY8nUUcCgk9

Please answer GOOGLE FORM so we will know how many books will be printed, this may be the LAST BATCH for reprinting!

https://forms.gle/gKnCGuDY8nUUcCgk9

Exploring Ogimi Village, Okinawa - considered one of the world's Blue Zones.

✅ Bucket goal: Visit Ogimi Village, Okinawa, Japan.

💙A Blue Zone is a region where people live significantly longer and healthier lives compared to the global average.

💙These areas have high concentrations of centenarians and lower rates of chronic diseases.

💙In Ogimi Village, the locals’ diet plays a crucial role in their remarkable longevity.

Where they eat mostly, Plant-Based. 🌿☘️

🌱The diet is rich in vegetables, fruits, and legumes, with a focus on locally grown produce. Sweet potatoes, green leafy vegetables, and tofu are staples.


Truly an inspiring and unforgettable experience!

Just a reminder!

May natitirang 5 days na lang bago ang deadline ng tax filing! If di mo pa na-file ang taxes mo, it's time to get your documents together at ayusin lahat.

Whether you're filing solo or getting help from a tax pro, don't wait till the last minute. Missing the deadline could mean penalties and unnecessary stress.

Take time to review your finances, check your deductions, and make sure you're maximizing all available credits. Whether it's income tax, property tax, or any other tax obligation, being organized and proactive can help ease any last-minute rush.

Remember, the deadline for filing your taxes can vary depending on your location and circumstances, so make sure to mark your calendar accordingly.

Don't let procrastination win! Use these remaining days wisely para sa smooth at stress-free tax filing process.

Let's tackle those taxes together!

Merry Christmas 💚💚💚