Ep 115 Zero to Six: Lessons I Learned from a Year of Extraordinary Travel and Working as a Doctor, Part 2

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Transcript

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Welcome back to another episode of the dare to dream physician travel podcast. In the last week's episode, I share part one of my story from zero to six lessons. I learned from a year of extraordinary travel. And working as a doctor. If you have not yet listened last week, I would definitely consider adding that one to your queue and listening to that one, because it gives you the background on where I started from a year ago. This week's episode, I am continuing to share. The the lessons i have learned um because a lot of people have asked how did you do this how did you travel so much how did you make that I work. So this is My Let's dive in Okay, so the next point is to keep the momentum of the dream going. Continue to dream, continue to dream bigger, and start planning ahead and booking ahead. And when we're specifically talking about travel, we are physically, doing research, or working with a travel agency. And, actually, making reservations, whether it's for flights or vacation rentals in hotels. those are the tasks that are needed to make it happen. but the. equally important piece is, is to keep that vision going. And this also applies to other dreams because once you start to live a snippet of your dream, you want to continue that momentum. You want to continue to be in the energy of that dream. So I was telling you before that I wasn't really all that budget conscious for the first trip that we went outside the continent to the U. S. as a family because I, because we hadn't really gone on any expensive trips and after this amazing experience that we had, I decided that, yes, we should do more of this and to continue to go to other places and to go farther, see more, see the whole world, and, let the sky be the limit, let the ends of the world be the limit, towards the third quarter of this year that we had in travel, that's what I decided on. Then it became really important to do the math. And the math for a physician, when it comes to making travel work in your life is involving time and money. How do we make our travel dreams happen and make the math work for your time and for your money? So, so first of all, how do we create time for travel? Well, most physicians I know don't even use all of their vacation allowance. So the first thing is to, just look ahead, whether you want to look, you know, for the next three months or the next 12 months, to, to start somewhere, look at the calendar, if you have other family members that's going to travel with you, like the kids, school schedules, look at the calendars of everybody in the family. and block the time off. Just block it off. Requested ASAP, at least in my practice, it's much easier to add back in clinics than it is to cancel clinics. Usually a year or a year and a half in advance, I block off more time than I need. And then, a few months before I open up some of my schedule if I don't end up going anywhere, so when I gave you the example, the first trip that I decided to go on, it was about two months in advance and that was because of other things that were happening in my life. I wasn't really in a state before to really think about travel. And then the future trips I booked were about four months ahead. And now after a whole year of traveling, I'm mostly planning and booking trips eight to twelve months in advance. And, if you have family members who have conflicting schedules from yours, like maybe you're in a two physician household, or you have kids, who are in different schools with all their extracurriculars, it can feel challenging and it can feel really hard. So just figure out something. Just start from where you're at. maybe it doesn't feel like you can go anywhere during the school year because all the sports schedules, then pick, pick a time in the summer. Always try to approach it with curiosity and creativity. So instead of looking at the calendar and thinking, Oh, no, there's no way this is going to work. Look at the calendar and think, How can we make this work? What what can we do? An example for my own life is, there were two trips, two big trips this year, that my husband felt the timing of those trips just didn't work for, his schedule and he was actually worried about getting burned out from, from too much traveling. So I listened to what he said. He respected my desire to go. And, in the end, we made it work. He stayed home for one of the trips. And for one of the other trips, he actually went on a solo camping trip, which he loved, and then I used those opportunities, to travel with my extended family, my aunt and uncle, my mom. And it was a great experience for me. It was a great experience for my kids. To hit those destinations. And then the other thing to consider is, taking a trip with friends or just taking a solo trip. I've personally gone on solo trips and I have other physician friends who, travel solo regularly and one of these days I'm going to have to get them on the podcast and talk more about that. and then the other thing to consider is if it's just the kids schedules consider taking them out of school and making up the work, or you know, the kids are really into a sport, whenever their sport is not in season, you can go then And then, this is a little bit outside the box, but I think, you know, when, when we decide what's important to us, it's always good to, step back and look at the bird's eye view, look at the big picture. So one of the things that we as physicians on a regular basis should evaluate is, how much do you want to work, right? Would it make sense for you to maybe go down on your FTE so that you enjoy your job and you enjoy your life more? And surprisingly. after we do the math with taxes being taken out, the opportunity cost of your time, and sometimes missing out on things, that, I'll give you an example, in 2022, I made a big mistake, I was just so busy, and I actually, failed to submit the reimbursement by the deadline for my flexible spending account. So that was I think about 2, 800 of pre tax money and it was just gone. and there's no way to recover it. I try not to think about it because it's in the past, but that was painful. But these are some examples of the opportunity cost of our time. and sometimes, we're so busy working and working, trading our hours for dollars that it may not be the smartest way to work. And so, the other things to consider about possibly working less is that slow travel is often just cheaper travel. And slow travel, if you haven't heard the term before, is basically traveling slower. So, for example, someone, who's only able to take a week off from work and say they go to Spain and so they're trying to see and Madrid and, Salamanca and they're trying to go see the whole country and it's a whirlwind They're paying for the flight, they're paying for the train rides, and it feels rushed and they're spending more money trying to get to all the sites before their time is up. So slow travel is often more enjoyable travel and is also cheaper travel the average cost per day is going to be cheaper, than a faster paced travel. If you go down to your FTE and work more on a part time basis, you may potentially have longer weekends for trips without even having to take any time off. Okay, the third way of creating more time for travel is to decide, what is your goal with each of the time blocks when you're going away. So what I'm getting at is, when you are away, do you just want to be in a different environment where you're okay with doing some work? or, you know, do you want to be completely off, like, not even checking work emails? so. The reason why it's important to make that distinction and you can draw that boundary, for any particular trip is if you are open to being able to do some work while you're away from home, You'll be able to add capacity for your time to be away. So an example of that, in my life personally, so I decided that, the reason why I like to travel is not necessarily to escape my work, So if I want to be traveling and away from home for an X amount of time per year. I don't necessarily mind that, 20% of that time, When i'm away i am also doing some amount of work because for me that means that i can be in a different place spending quality time with people I normally wouldn't be able to Or you. you know, Seeing sites I normally wouldn't Be able to whilst we're getting some work done whether it's holding a meeting with my staff or doing some telehealth visits or doing CME activities, there's a little bit of a learning curve because you don't want to feel like you were working the whole time that you're away. but there, there is a way to have that work life balance, even when you're traveling. and still really enjoy traveling. and, and then it may be perfectly okay at times to decide that, you know what, for this time away, I wouldn't be completely off. I'm not even going to check work emails. It's really just making the math work. honestly, out of all these time strategies that I've mentioned, just planning ahead, blocking that time off, requesting that time off if you're a shift worker, is, is really probably the highest yield for most physicians because, many of us just don't do it early enough. Okay, so let's talk about how to travel with a budget. And like I said, if you don't usually travel and you have a bunch of savings and all you want to do is just take a trip to relax. I would urge you not to even worry so much about the budget. Don't go into debt for a trip, but, budgeting for traveling. Is maybe not the highest yield task for you, for the time being. but for those of us who've decided, hey, I really have all these great travel plans and, even though I have some discretionary, funds, how do I make all this work? You know, how do, how do I travel the world and keep a budget? So, first of all, I want to challenge us to spend some time really deciding on a travel budget and Everyone comes from a different background. You know, some of us come from a background where we didn't really travel at all growing up. so there was no travel budget and maybe some of us came from a background where they traveled a lot. So it was very comfortable for them to have a big travel budget. I will tell you that personally I have stretched my travel budget for the sake of my travel dreams And that's not to say that i'm going into debt for travel I believe i'm still practicing financial responsibility but It gets into these deeper questions these philosophical and spiritual questions on money and wealth What is the purpose of money? And what exactly is wealth? You know, how do we know we're wealthy and life planning has been really helpful with that because it helped me realize that the my previous goal for money was just looking at the spreadsheet and, hoping that the money keeps growing and, having these arbitrary, number goals. And I realized that it really didn't bring fulfillment. I might meet a milestone, and it would feel completely anticlimactic. And so what I have learned in the process is, my goals for my money isn't just looking at a spreadsheet with growing numbers and that wealth is not the same as net worth. And for the record, I am not against growing that worth, I think all doctors should strive for financial independence, not necessarily in 5 years or 10 years, but it's a noble goal, And I personally still have financial goals. It's just not as important to me as the other things, in my life that I'm also assigning value. So, I have assigned value to using money in the ways that bring meaning and fulfillment to my life. If you think about this, at the end of our life, when we die, many of us if we keep going at the rate that we're going, we're probably going to be leaving some sort of inheritance in the form of financial assets, whether it's, you know, a paid off house or, investments or retirement funds, to our heirs, what about other things that we want to leave behind, and this doesn't have to be a thing, like a physical thing, but for me, I have decided that world travel as an experience and as a vehicle for personal growth is one of the legacies I wish to leave behind when I die. And so for me, it is absolutely worth spending money now on this, and I don't know in, 50 plus years from now, how much a million dollars is going to be. It's probably not going to be worth very much with inflation, but let's say, you know, in 50 years, I leave behind a million dollars to each of my kids. For me, it would be so much more meaningful if instead of digits on a piece of paper, that I will leave, experiences, opportunities for growth and learning, learning languages and other cultures, learning about ways of looking at the world, learning about how to be resilient and overcome challenges. I would so much rather leave those soft things to my kids. Because if I've done my job well as a parent, Then whatever I'm leaving to them when they're in their fifties or sixties as part of being an heir to my inheritance. Is not going to make a big difference in their life. And so the financial assets Sets aren't going to be as valuable as the experiences and skills and lessons that they get while they are young well i can still be influencing them in who they become as a person. So yeah, that's how I think about budgeting for travel and if travel is important to you, and you have dreams, you have big dreams for travel. I urge you to go a little bit outside of your comfort zone while staying financially responsible in assigning that budget for travel. and personally, I much rather save up for a trip for my family of five to go to Antarctica. then, saving money for a home renovation for my house or, a new car, I drive a Honda that's about six years old and I plan to keep driving that for the next five or six years as long as the car will run. And because I derive so much joy out of the experiences and travel than a nice car and a nice house. And that's, that's values that I assigned for myself personally. So each of us have to decide and then assign, budgets to each of these areas in our life. Okay, so that's one aspect is to, to figure out what is your budget. You don't necessarily have to spend all the money that's in your budget, by the way. And so once you know your budget, there are many, many ways of traveling in a budget friendly way. And I will, keep, talking about it and blogging and writing about this. If you have strategies please share with us and I will be happy to share with the community. So I'll share I'm sure. A couple one is to travel during the shoulder season. This is. Good for, airfare, and lodging. Everything tends to be less expensive in the shoulder season and you get the bonus of having less crowds as well. And so every location has a different shoulder season. You want to understand, what the risks are. for example, our time in the Virgin Islands, it was the end of October, beginning of November. So we were just at the tail end of the hurricane season. And in the 13 days that we were there, I think there were a couple days where it rained and it just rained for a couple of hours. In the morning or in the afternoon and it really didn't affect that much of what we were doing and it was actually a nice opportunity for us to, just sit home and relax a little bit. and there was plenty of good weather. So that's one of the advantages of the shoulder season is that it's not as busy, the prices are not as high, You're taking a risk, but for the risk that you're taking, you're getting the benefit of, easier and cheaper travel. The other thing to keep in mind is, um, you might think, well, my kids are in school and they have to follow a school calendar. And the rest of the world is also traveling at this time. one thing that we did is when we went to Australia in August, well, it's the other side of the world. It's the Southern Hemisphere. their kids are in school at that time. And so, even though my kids were having a long summer vacation, it wasn't really high travel season in most of the places that we visited in Australia. Um, another one to think about is Thanksgiving, really Thanksgiving is a US holiday. And so if you have the week of Thanksgiving off, um, you could, you could fly somewhere, that is maybe not as frequented by US travelers and it's not Thanksgiving. It's not a holiday for them. there are some ways Christmas and, and New Year's tends to be tougher because most places in the world, do celebrate that. One of the things on my bucket list is going to visit Jordan. And I was thinking of visiting in December, which is actually not a high season for them. So there are still creative ways around the timing. And not just the budget, it is so much more enjoyable to see a place without the large, at least for me, without the large crowds. So timing your vacation is one way to keep your expenses low. The other way is if you're traveling somewhere and you want to work with a travel agent Try to find a reputable local company The reason for that is oftentimes, when we find maybe the most convenient one or the one that, you know, another doctor recommended, it turns out that, these people are just contracting with local companies. So there's not a ton of value add. That they're giving. I mean, you can decide if there is value add in doing that. But, if you work directly, with the, the local company in, in, in the country that you're going to, you are then just paying the money directly you're forgoing the middle party. And, that is also a way. And also you get to have a more direct communication to express your preferences and work directly with the people that are actually going to be booking for you. So that's also another way to, to save, money. and also some vacations you can just book on your own. I mean, there are many vacations where I look at these fancy travel catalogs and they're going to some of the same places that I've gone, where I didn't do that much planning and still am going to have a great time and paying maybe a quarter of the cost that these fancy catalogs are charging per person. Okay, so lastly, I can't talk about traveling with a budget without talking about travel hacking. So if you are going to travel, especially internationally with any frequency per year, travel hacking is a strategy that you should really seriously consider. and travel hacking, goes by different names, but basically it's a perfectly legal. way to strategically use credit card points or miles or those earned with airlines and hotel programs to get discounted or free travel and other travel perks And the cool thing about travel hacking is that it can be as simple Simple or as complicated as you make it and just like investing, you know You could have a portfolio of a hundred or two hundred individual stocks or you could have a three index fund portfolio and so same with travel hacking there are ways you can you can keep it as simple as you wish, optimize simplicity and earning multipliers and perks. So there are some set it and forget it, strategies and then there's, you know, more advanced strategies, but the whole idea of converting your spending into travel type of assets, whether that's, you know, flights or hotel stays or other. other travel perks. For the average physician household, for somebody that is going to travel with any significant frequency. This should be on your radar. examples of how we use travel hacking. We flew to Hawaii on points. for an upcoming trip in November, We are flying to Europe, and for the first time we're going to be flying business class, and we're doing that on points, we still have to pay taxes and fees, but it just saves a significant amount of money, we have, several more trips in the upcoming year where I, already, booked the airfare completely on point. use their points for hotel stays. There's many ways to offset costs. Like the points of Milestone who I interview on the podcast, a couple of episodes ago. I like to use points to offset the large commercial costs and then work with the locals and do more off the beaten path travel once I get to the destinations. No matter your travel style, whether you want luxury hotels or off the beaten path travel, there is a place for travel hacking to help with your budget. And I will definitely be talking more about this, I'm going to be including some budget hacks, in the upcoming newsletter that we are going to be starting. If you feel overwhelmed by all the choices, feel free to reach out to me, DM me on Facebook and I'm happy to, do a curbside and chat to you more about it. So that's number two. Keep the momentum going, continue to dream bigger, start to plan ahead, book ahead, open your calendar, look for opportunities. Okay. So the last point I want to make point number three is When you start to live traveling as a lifestyle, as a physician, we don't want to start burning out, like, you know, the whole motto, work hard, play hard, I would say, yes, we can work hard, play hard, but there's also time for rest. So we don't want to burn out traveling either. And so tip number three when we adapt travel as a lifestyle, especially as physicians, is to know your intention for travel For each trip and match those intentions with the itinerary. Okay, so let me give you some examples because that statement is probably not self explanatory. I moved my family to rural Vermont for my job and we don't have any family nearby. I grew up outside of Washington, DC. That's where my mom lives. And I also have a significant portion of my extended family that is in California. And. even when I was growing up, I really appreciated that my dad had this intention for me to keep up the connection with that side of the family. I think I was maybe 13 or 14, my parents paid for a plane ticket and flew me from Washington, D. C. to San Francisco, so I could spend a couple of weeks in the summer, visiting my aunt, uncle, and cousins, and there's a moment when I realized, especially when I got to spend a lot of time with them, when my aunt and uncle are there helping to take care of my dad at the end of his life, um, that my kids are growing up and they are not getting to know that side of the family. They're not getting the cooking and the culture and the family traditions that are a part of who I am and a part of how I grew up. And so, so shortly after my dad passed away, when I was making plans to travel, one of the things I wanted to do was to fly out to San Francisco and visit and stay with my aunt and uncle and have my kids really be able to spend unhurried time with that side of my family. I had already done a lot of sightseeing in San Francisco from my previous trips and I really, my intention for that trip was to spend quality time with my extended family, family that I never get to see, the family that I've been close to all my life, but in the blink of an eye, in 20 years, I rarely, I could count the number of times I see them in one hand. So I was talking about balancing work and travel. So for that trip, was staying with my relatives. My aunt and uncle were both retired, so they have a very relaxed lifestyle. So I did some telehealth clinics. I read sleep studies. I had multiple work meetings over zoom when I was visiting in their basement while my kids got to enjoy two weeks, in San Francisco in January, which there's double benefit because one, there's the family bonding, but then two, um, one of my kids has pretty significant seasonal affective disorder and, the best cure is to just get a little bit of sun and, even the sun in Northern California beats a January in Vermont any day. So that intention of the trip to connect with family, to, to spend quality time with the part of the family that we, I neglected to have my kids see for, for many years, to have my kids experience a little bit of, Northern California, that all was accomplished, and I was still able to do some of my clinical work. Okay. so an opposite example is, our, our trip to Australia. in the summer, I went For three weeks. This is the first time I even went away from work for three weeks to Australia and This trip was meant to be an adventure I had never been to the Southern Hemisphere. And Australia is a humongous country, a humongous continent, and there's so many things, there that I wanted to see, even from when I was a little girl, and I knew that, if we have that time there, that we're gonna make the most of it, we're gonna go to all these different places from, hugging a koala bear and seeing them in real life to, scuba diving and snorkeling, the Great Barrier Reef to swimming with humpback whales because they allow people to do that in Queensland, to seeing the outback and learning more about the Australian aborigines culture, all of this, I knew that that's going to be a high energy trip, And so I was expecting to play very hard there. It was a very rewarding trip but there were also days when i did long drives when i didn't get enough sleep and challenges along the way that you expect um, when we plan our own trip and have seven people come along So that was a totally different type of intention for that trip. It's satisfied that desire for a venture that desire to explore the world, to see things, to have new experiences and to have challenges. So. I wouldn't be able to do. A trip like that, um, five times a year. But that was a really amazing experience. And I knew what we're getting into and so when i came home i felt exhilarated mentally I'm having Having experienced that but physically was so tired between the jet lag and just the need for rest. And then a third type of trip that I've taken in the last 12 months is a relax by a beautiful area and, relax by the pool, relax by the beach, rent a vacation rental, a minimal planning trip where, like the trip to Eleuthera, which I did a podcast on where I just basically booked the flight. I found the house that we wanted to live in. It had a pool. It was close to the ocean and we just, we just had an amazing, amazing time. It was so relaxing. I never felt so relaxed before, The intention for that trip was really to recharge, and that was extremely successful as well. So, match the intention with your itinerary. Know what you want before you book this trip. Do you want to recharge? Do you want to have a venture? Do you want to, just, you know, have quality time with loved ones? those itineraries look very different. And then another important aspect of incorporating travel as a lifestyle is how to balance work. Now, as I said before, Part of my life plan and my goal is to love medicine and love life. while I have chosen to maximize travel as a lifestyle and as a way to, live a fulfilling life, my colleagues were not in the decision making process for that. And so one of the things I always try to keep in mind is the golden rule, I want to treat others as I would like to be treated. last time I checked, nobody, including myself, likes to do extra work. When my colleagues are away, and their patients call, I will cover them, but if they're going way more and now I'm noticing that I'm having to cover for them twice as many days as I had to cover before, I might start to notice and I might start to grow resentful. So the more I can make it easier and minimize the burden for my colleagues, my staff, and my patients, the better I feel about being a responsible physician who is also living my dream life. And so One thing I do before I go on a trip, my staff already knows, and I tell my patients when I plan to be away, and not accessible. So they know when I'll be available or not, when they're deciding on the timing of when to try a new treatment, for example. So if they try a new medication, oftentimes the patients, um, knowing that I'll be away, would choose to try the medication before I go or after I come back. When I do med refills, let's say I'm doing med refills in the month of July, and I know that they're stable on the medication, and when they're due again for the medication in August, that I will not be here. And so what I do at that time is I will do two scripts, for the monthly controlled substances, I have a lot of patients who have narcolepsy or hypersomnia, that I prescribe these medications for. And so, I anticipate the prescriptions and the orders that need to be done. And if there's anything that I can do, um, it may be a few extra clicks. But it is so much easier if I can just take care of it rather than, have someone else take care of it and try to reinvent the wheel while I'm gone. The non urgent requests my staff are very good at, um, knowing when to send me non urgent requests, so I tell them I'm going to be away, but let the patient know when I'll be back and if they want. If they want, and if they don't mind, I, I will just take care of their messages when I come back. Whereas the time sensitive ones that can't wait, they get routed to my covering colleagues. And so that is one way to balance my work responsibilities and my travel life. And honestly, it doesn't take that much more energy because when I am at work, I've also worked really hard. to create a culture and to create workflow systems, where all the staff members and everyone in the system is working to the top of their abilities. So I'm not talking about a burnout situation where I have, 100 messages in my box when I come back. That's part of loving my work. I've worked really hard in the last eight years to create an environment that's practice friendly. And so the other hat that I wear at work is I serve in a leadership role it's not a big department, but it's important to me as a leader to keep the engagement in my department. So I genuinely want to be available for things that really need my attention. My manager and my staff, they have my personal email. so they know that I don't check work email regularly I don't have it on my phone as an app for example best decision ever when I deleted that app um, but they know how to reach me. I put an away message in my work email and anyone that needs to reach me. They know how to Reach me either by phone or by personal email and so there's a mutual trust, that's not going to be taken advantage of, that I'm not going to get, unnecessary requests that take away from my attention and time when I am on vacation. But I also want to have their trust that I do care about what's going on, that even while I'm gone, I'm still the medical director. And the other thing as part of the mutual trust that I've learned, over this last year is to, to clearly communicate what type of travel I'm doing. that was a little bit of a learning curve because in my mind, I was not available, but then on another trip, I would keep responding to work emails and EMR messages, so then I started to realize Well, the staff doesn't know. They know I'm away, but they don't know what kind of travel I'm doing. Now I've been very clear. I tell them, you know, okay, so for the three weeks I'm going to Australia, I'm going to be in a different time zone, another part of the world. I am not going to have any reliable access and I can't reliably check messages because I don't even know if the systems talk to each other, then I tell them when I plan to come back, If I come back on a Friday, um, and I'm not working until the next Tuesday, because of the Labor Day weekend, um, I tell them I'll actually be checking my messages on Saturday. So if you have any urgent requests, um, I will be checking that. So it's about communication, mutual respect, mutual trust. I respect the time when they have of, I respect their time, um, and I very much feel that they are respecting my time as well. Um, and so, The other thing that is also important when I talk about engagement, and so I just think there's something very irreplaceable about a in person connection. And so if I was gone for three weeks on a trip, when I come back, I would try to make it a point to pop in and just, physically be present with various members of the department, and just, you know, say hi to them, to check in to see how they're doing, to be intentional about that, cause I genuinely miss my department when I'm away, I'm happy to go on my travel, but I'm actually really happy to come back to work as well. So that's it. That's how I try to balance my travel lifestyle, my word, my leadership role, and I am just constantly learning. I'm always looking for ways to improve. Um, and this is just what I've learned so far in this past year. Um, I think there is something to be said about, wanting to create the life that you love and wanting to create the work that you love. And. To create the travel lifestyle that you love to understand the different intentions of travel to different types of travel. And to make time for rest and returning, and also create time for fun and adventure and to make time for bonding and connection. In quality time with family and loved ones. I'm so grateful that you've listened this far. that wraps up the lessons I learned from a year of having extraordinary travel around the world while still working as a doctor and a medical director. and like I said before, I was hesitant to record this because I didn't want people to listen and compare themselves like oh well, I don't practice sleep medicine. So there's no way I can do what she did in my specialty Or my kids are younger so I can't do that or I'm caring for Aging parents and I can't do that. and so really I'm sharing these details not for you to compare, but for you to imagine what it is that you want and for you to be reminded that we have the choice to live our dream life today, whatever version that is for you. For some people, it might just be taking that two week vacation for the first time for others, it might just be, taking 10 days and going, to the other side of the U. S. Or taking that trip to, spend time with family and bond, with family members that you always wanted to, and so whatever it is, I want you to just close your eyes, imagine, what if you could do that, what if you could do that this year, what if you could do that in two months. And if this last year has taught me anything, it's that you can absolutely do it. And the only thing that's stopping you is to just start, just start, clear out your calendar, and book the trip.