The Responsible Resident with Amber Stitt

Hosted by Amber Stitt, co-owner of MD Disability Quotes and a 15-year specialist in physician income protection, this podcast is built from more than 45 years of combined experience alongside her business partner, Scott Nelson-Archer—together the longest-tenured disability insurance experts featured by White Coat Investor.

These episodes are curated from real client stories, underwriting casework, and decades of physician disability insurance planning—giving listeners direct insight into the questions, mistakes, and decision points physicians face as they move through training and into practice.

The focus is simple: helping physicians understand what matters most during training—timing, underwriting, contract design, and protecting future earning power.

Many physicians assume these financial decisions can wait. What this series explains—clearly and practically—is that health history, underwriting, and timing can shape your options more than most realize. The flexibility available during training can create stronger opportunities, but those windows do not stay open forever.

The goal is not rushed action. The goal is informed action—so when clarity arrives, you can move with confidence while your options are still at their strongest.

If you’re in training and want to understand your options before life, health, or career changes shape them for you, this podcast is for you.

For the numbers behind the episodes, see the resident and fellow benefit limits, with answers to the questions residents ask most, and our article on the importance of disability insurance for residents.