75 - How to Double Dip on Gains Tax-Free Using Indexed Universal Life Insurance

You don’t have to follow the traditional financial playbook to grow lasting wealth. In fact, the smartest strategies often involve tools most people overlook—like life insurance.In this episode, Ann Tsung sits down with Brenyn McConnell, Wealth Strategist at Money Insights, to demystify how alternative assets and well-structured life insurance policies can create a powerful financial foundation. What started as simple personal finance tips for family and friends has turned into Brenyn’s mission: helping others grow and preserve wealth strategically, without falling into the trap of high-interest debt or low-yield investments.We unpack how to store capital efficiently, why understanding the cost of interest is critical when taking out loans. You will also hear a breakdown of how cash value grows, common mistakes in policy design, and a real-life example of a well-built policy that enhances—not hinders—returns. Tune in! What You’ll Learn in This Episode:Why traditional savings methods might be holding your wealth back.The biggest misconceptions about life insurance and wealth strategy.3.How to calculate the real cost of interest when taking on debt. Key differences between Indexed Universal Life (IUL) and Whole Life policies.How to structure a policy so it builds wealth, not just security.A real-world example of how capital can grow when structured correctly.Resources:Money Insights GroupFollow the Money Insights PodcastFollow Brenyn in LinkedInListen to the previous episodes hereWelcome to Productivity MD where you can learn to master your time and achieve the 5 freedoms in life!Show Notes - How to Double Dip on Gains Tax-Free Using Indexed Universal Life InsurancePlease subscribe and leave a review so you can help others who need the knowledge most discover this podcast. Visit https://www.productivitymd.com/ to learn more Here are 3 ways I can help you reclaim your time and be more productive:#1: Book a 15 minutes 1 Year 1-1 Peak Performance and Productivity Coaching Qualification Call now to learn more and take control of your time! #2: Join my Private Facebook Group and get full access to my 7-day Video Masterclass to 3X Your Productivity#3: Subscribe to Productivity MD Podcast (Formerly It's Not Rocket Science) on Health, Relationships, and Productivity or watch in YouTube.Follow Ann Tsung MD, MPH onAnn Tsung on FacebookAnn Tsung on YouTubeAnn Tsung on LinkedInAnn Tsung on InstagramAnn Tsung on Twitterhttps://www.productivitymd.com/2025/06/17/episode-75/

Pushing harder isn’t always the answer. Sustainable high performance comes from aligning your mind and body—not burning them out.In this episode, holistic coach Tania St-Laurent—a certified osteopath in Canada with a degree in microbiology and over 20 years of experience as a movement specialist—shares how true performance begins with doing things the right way. Drawing from her background in science, mindfulness, and global experience across clinics, labs, and sports fields, Tania unpacks what sustainable performance actually looks and feels like.We explore how movement, nutrition, and recovery work together to create long-term energy and focus, why presence is the most underrated skill, and how starting small can lead to big change. Tania, also a certified Lifestyle and Wellness Coach from Harvard Medical School, gives you practical tools to optimize your well-being and perform without depletion.What You’ll Learn in This Episode:Why Tania dedicated her life to exploring the connection between physical health and mental clarity.It’s not about doing more—it’s about doing the right things with intention.What it looks and feels like when you’re in sync—covering movement, nutrition, and recovery.Simple, proven principles anyone can start applying today.Why multitasking backfires—and how presence can shift your entire performance.Why choosing one habit and doing it consistently leads to lasting change.Resources:Follow Tania St-LaurentVisit Tania’s WebsiteListen to the previous episodes hereWelcome to Productivity MD where you can learn to master your time and achieve the 5 freedoms in life!Show Notes - How to Avoid Burning Out Your Nervous System and Achieve High Performance—In Body and Mind with Tania St. LaurentPlease subscribe and leave a review so you can help others who need the knowledge most discover this podcast. Visit https://www.productivitymd.com/ to learn more Here are 3 ways I can help you reclaim your time and be more productive:#1: Book a 15 minutes 1 Year 1-1 Peak Performance and Productivity Coaching Qualification Call now to learn more and take control of your time! #2: Join my Private Facebook Group and get full access to my 7-day Video Masterclass to 3X Your Productivity#3: Subscribe to Productivity MD Podcast (Formerly It's Not Rocket Science) on Health, Relationships, and Productivity or watch in YouTube.Follow Ann Tsung MD, MPH onAnn Tsung on FacebookAnn Tsung on YouTubeAnn Tsung on LinkedInAnn Tsung on InstagramAnn Tsung on Twitterhttps://www.productivitymd.com/2025/05/24/episode-74/

Efficiency is key in healthcare, but how do you move faster without sacrificing patient care? In this episode, Dr. Ann Tsung and Dr. Bradey Block, host of The Physician's Guide to Doctoring Podcast, shares valuable insights on how to improve patient interactions, enhance trust, and manage your time without compromising the quality of care. From asking the right questions to leveraging technology and creating boundaries, this episode provides actionable strategies to optimize your practice.Key Points From This Episode:The Podcast Origin: How the podcast began as a way to learn from communication experts to improve patient interactions and efficiency without sacrificing care quality.The Doctor-Patient RelationshipWhy asking “What worries you about this?” builds immediate trust and uncovers hidden concerns.How completing notes immediately reduces attention residue and mental clutter.Why multitasking during patient visits erodes connection—and what to do instead.How to use simple language, compassionate framing, and intentional introductions to deepen rapport.Tools like AI, structured boundaries, and focused presence to reclaim time without sacrificing care.The Illusion of Multitasking:Typing while listening isn’t the same as being fully present. Patients sense when you're distracted—even if you’re technically hearing them.Recognizing fluid balance instead of Static BalanceResources:Follow Dr. Bradley Block Physician Guide to DoctoringThe Physicians Guide to Doctoring PodcastListen to the previous episodes hereWelcome to Productivity MD where you can learn to master your time and achieve the 5 freedoms in life!Show Notes - How to Avoid Sacrificing Patient Care While Trying to Be More EfficientPlease subscribe and leave a review so you can help others who need the knowledge most discover this podcast. Visit https://www.productivitymd.com/ to learn more Here are 3 ways I can help you reclaim your time and be more productive:#1: Book a 15 minutes 1 Year 1-1 Peak Performance and Productivity Coaching Qualification Call now to learn more and take control of your time! #2: Join my Private Facebook Group and get full access to my 7-day Video Masterclass to 3X Your Productivity#3: Subscribe to Productivity MD Podcast (Formerly It's Not Rocket Science) on Health, Relationships, and Productivity or watch in YouTube.Follow Ann Tsung MD, MPH onAnn Tsung on FacebookAnn Tsung on YouTubeAnn Tsung on LinkedInAnn Tsung on InstagramAnn Tsung on Twitterhttps://www.productivitymd.com/2025/04/18/episode-73/

Struggling to get into flow? The key isn’t just about focus—it’s about mastering the struggle and release phases that lead to peak productivity.  In this episode, we dive into the hidden obstacles that block your flow, from decision fatigue to environmental distractions. Learn how to eliminate friction points, optimize your workspace, and train your mind to transition into deep focus faster.  Key Points From This Episode:Why the struggle phase is essential for achieving flow.  How to transition from struggle to flow with ease.  The art of decisiveness and setting non-negotiables.  The top three people who may be disrupting your flow.  Simple morning tweaks to remove productivity choke points.  Treating your flow block like an event for maximum efficiency.  How to turn your workspace into a fortress for deep work.  Mental conditioning techniques to improve focus and release.  Welcome to Productivity MD, I triple peoples time through neuroscience and peak performance systems, so they feel a sense of control and freedom in life.If you’re ready to break free from distractions and unlock your flow state, this episode is for you!Resources:Flow in Research Collective by Steve KotlerListen to the previous episodes hereWelcome to Productivity MD where you can learn to master your time and achieve the 5 freedoms in life!Show Notes - How to Remove the Struggle Phase and Get into Flow Faster to Achieve 5x ProductivityPlease subscribe and leave a review so you can help others who need the knowledge most discover this podcast. Visit https://www.productivitymd.com/ to learn more Here are 3 ways I can help you reclaim your time and be more productive:#1: Book a 15 minutes 1 Year 1-1 Peak Performance and Productivity Coaching Qualification Call now to learn more and take control of your time! #2: Join my Private Facebook Group and get full access to my 7-day Video Masterclass to 3X Your Productivity#3: Subscribe to Productivity MD Podcast (Formerly It's Not Rocket Science) on Health, Relationships, and Productivity or watch in YouTube.Follow Ann Tsung MD, MPH onAnn Tsung on FacebookAnn Tsung on YouTubeAnn Tsung on LinkedInAnn Tsung on InstagramAnn Tsung on Twitterhttps://www.productivitymd.com/2025/03/15/episode-72/

Struggling with procrastination, distractions, and a lack of focus? In this episode, we dive into the Four Cycles of Flow and uncover the hidden habits that keep you stuck in unproductive loops. Learn how to eliminate the top three supersimulators—molecules, media, and munchies—that hijack your ability to focus and perform at your best.  You’ll discover how to move through the struggle, release, flow, and recovery phases effectively, so you can get into deep focus faster, stay in the zone longer, and recover without burning out.  Key Points From This Episode:Understanding the Four Cycles of Flow and why they matter.  The three biggest super simulators sabotaging your focus and how to eliminate them.  How to shift from chronic procrastination to effortless productivity.  Decreasing or eliminating the three “M’s” (molecules, media, munchies)The role of single-tasking in accelerating flow states.  Practical strategies to engage with flow and stay in it longer.  If you’re ready to stop sabotaging your productivity and take control of your focus, this episode is a must-listen!Resources:Flow in Research Collective by Steve KotlerListen to the previous episodes hereWelcome to Productivity MD where you can learn to master your time and achieve the 5 freedoms in life!Show Notes - How to Master Your Brain and Engage in the Flow Cycle with Dr. Ann TsungPlease subscribe and leave a review so you can help others who need the knowledge most discover this podcast. Visit https://www.productivitymd.com/ to learn more Here are 3 ways I can help you reclaim your time and be more productive:#1: Book a 15 minutes 1 Year 1-1 Peak Performance and Productivity Coaching Qualification Call now to learn more and take control of your time! #2: Join my Private Facebook Group and get full access to my 7-day Video Masterclass to 3X Your Productivity#3: Subscribe to Productivity MD Podcast (Formerly It's Not Rocket Science) on Health, Relationships, and Productivity or watch in YouTube.Follow Ann Tsung MD, MPH onAnn Tsung on FacebookAnn Tsung on YouTubeAnn Tsung on LinkedInAnn Tsung on InstagramAnn Tsung on Twitterhttps://www.productivitymd.com/2025/02/15/episode-71/

Do your mornings feel chaotic, unproductive, or exhausting? In this episode of Productivity MD, Dr. Ann Tsung will uncover the habits and routines that could be holding you back from achieving flow and productivity. Discover how to avoid the extremes of overcomplicated morning routines or burnout from excessive work, and instead create a balanced path to growth and focus.  You’ll learn how to start your day in flow within 90 seconds of waking up, recover effectively to stay present, and align your schedule with your natural chronotype for optimal performance. Plus, find out how your eating habits might be derailing your productivity.  Key Points From This Episode:  1. Breaking free from excessive routines or nonstop work that lead to burnout.  2. Building the habit of starting flow immediately after waking up.  3. Recovering from flow cycles without losing momentum or presence.  4. Aligning your schedule with your chronotype (lark, night owl, third bird).  5. Why “flow before food” is essential for sustained focus and success.  6. Using gratitude to shift your mindset and enhance recovery.  7. How to change destructive thought processes and habits for long-term results.  If you’re tired of feeling stuck, overwhelmed, or unproductive, this episode is your guide to regaining control and finding flow.Resources:Flow in Research Collective by Steve KotlerListen to the previous episodes hereWelcome to Productivity MD where you can learn to master your time and achieve the 5 freedoms in life!Show Notes - How to Stop Sabotaging Your Productivity with Bad Habits with Dr. Ann TsungPlease subscribe and leave a review so you can help others who need the knowledge most discover this podcast. Visit https://www.productivitymd.com/ to learn more Here are 3 ways I can help you reclaim your time and be more productive:#1: Book a 15 minutes 1 Year 1-1 Peak Performance and Productivity Coaching Qualification Call now to learn more and take control of your time! #2: Join my Private Facebook Group and get full access to my 7-day Video Masterclass to 3X Your Productivity#3: Subscribe to Productivity MD Podcast (Formerly It's Not Rocket Science) on Health, Relationships, and Productivity or watch in YouTube.Follow Ann Tsung MD, MPH onAnn Tsung on FacebookAnn Tsung on YouTubeAnn Tsung on LinkedInAnn Tsung on InstagramAnn Tsung on Twitterhttps://www.productivitymd.com/2025/01/24/episode-70/

Is your child struggling to cope with challenges? Unsure how to equip them with the tools to face life’s ups and downs? In this episode, we dive deep into the art of fostering emotional resilience in children, helping them thrive in an ever-changing world.   Our guest, Dr. Prasanthi Reddy shares her passion for empowering kids, offering actionable insights into what emotional resilience truly means and how you can nurture it at any stage of their development. She’ll discuss a wide range of topics like effective discipline strategies to tackling tricky topics like sex education. This episode is your guide to building a stronger foundation for your child’s mental well-being.  Learn how to model resilience, embrace new parenting perspectives, and teach your child to see both the challenges and rewards life has to offer.Key Points from This Episode:Why emotional resilience matters: The reason behind her dedication to this crucial life skill.  Understanding the importance of emotional reslience for kids in today's world.  How to develop coping tools and implement interventions for different age groups.  Teaching kids to navigate the world with perspective.  Exploring differences in emotional resilience across genders.  Setting boundaries while fostering growth.  Navigating sex education: Tips for discussing this sensitive topic with your kids.  The importance of consistency and a willingness to change your approach.  Resources:Connect with Dr. Prasanthi Reddy on LinkedInConnect with Dr. Prasanthi Reddy on TikTok Listen to the previous episodes hereWelcome to Productivity MD where you can learn to master your time and achieve the 5 freedoms in life!Show Notes - How to Avoid Raising Kids Who Crumble Under Pressure with Dr. Prasanthi ReddyPlease subscribe and leave a review so you can help others who need the knowledge most discover this podcast. Visit https://www.productivitymd.com/ to learn more Here are 3 ways I can help you reclaim your time and be more productive:#1: Book a 15 minutes 1 Year 1-1 Peak Performance and Productivity Coaching Qualification Call now to learn more and take control of your time! #2: Join my Private Facebook Group and get full access to my 7-day Video Masterclass to 3X Your Productivity#3: Subscribe to Productivity MD Podcast (Formerly It's Not Rocket Science) on Health, Relationships, and Productivity or watch in YouTube.Follow Ann Tsung MD, MPH onAnn Tsung on FacebookAnn Tsung on YouTubeAnn Tsung on LinkedInAnn Tsung on InstagramAnn Tsung on Twitterhttps://www.productivitymd.com/2024/12/15/episode-69/

Struggling to break free from negative thought spirals? Feeling stuck in a cycle that’s holding you back from peak productivity? Dr. Shafer Stedron is here to show you how to shift your mindset and overcome those barriers. As a life coach, Dr. Shafer has transformed her approach to challenges, and in this episode, she reveals the key mindset shifts that helped her—and can help you—unlock your full potential.Discover how to identify and align with your "why," eliminate unproductive habits, and turn transactional relationships into meaningful, intentional connections. Plus, learn the importance of asking “curious questions” to reshape your perspective and how setting clear boundaries versus expectations can transform both your personal and professional life.Key Points from This Episode:Deep dive into our mindset to overcome challenges.How becoming a life coach became a transformative experience for Dr. Shafer.Navigating your “why” and cutting away habits that don’t serve it.Turning transactional relationships into more intentional connections.Understanding the difference between boundaries and expectations.The power of asking “curious questions” to shift your mindset.Stepping off the negative spiral when you feel stuck.Resources: Dr. Shafer’s Website Talks with Dr. Shafer on SpotifyListen to the previous episodes hereWelcome to Productivity MD where you can learn to master your time and achieve the 5 freedoms in life!Show Notes - How to End Limiting Beliefs That Are Stifling Your Success with Dr. Shafer StedronPlease subscribe and leave a review so you can help others who need the knowledge most discover this podcast. Visit https://www.productivitymd.com/ to learn more Here are 3 ways I can help you reclaim your time and be more productive:#1: Book a 15 minutes 1 Year 1-1 Peak Performance and Productivity Coaching Qualification Call now to learn more and take control of your time! #2: Join my Private Facebook Group and get full access to my 7-day Video Masterclass to 3X Your Productivity#3: Subscribe to Productivity MD Podcast (Formerly It's Not Rocket Science) on Health, Relationships, and Productivity or watch in YouTube.Follow Ann Tsung MD, MPH onAnn Tsung on FacebookAnn Tsung on YouTubeAnn Tsung on LinkedInAnn Tsung on InstagramAnn Tsung on Twitterhttps://www.productivitymd.com/2024/11/15/episode-68/

In this episode, Dr. Mary Leung talks about her journey into mastering charting efficiency and becoming a coach. She shares how she transitioned from clinical practice to coaching, taking a big step by joining life coaching programs. Mary explains why being mindful of our thoughts is key—they influence how we feel and approach our work.We also cover practical tips on setting clear intentions to stay focused during the day and avoid common pitfalls when it comes to planning.If you're looking to reduce stress and get better at managing your time and charting, this episode is for you!Key Points from This Episode:How did Mary get into charting efficiency and coaching?How she took the leap pf faith and joined life coaching programsHow to be really mindful of what we are thinking because it affects how we feelBeing intentional with your daysSetting your intention and mind to focus for the dayTop three mistakes of not setting your intentions straightCharting is a communication toolThoughts in using EMR (electronic medical record)Working with a team and minimizing distractionsResources:Mary’s WebsiteEmail Mary at: [email protected] to the previous episodes hereWelcome to Productivity MD where you can learn to master your time and achieve the 5 freedoms in life!Show Notes - How to Stop Dreading Charting and Finally Get It Done Faster with Dr. Mary LeungPlease subscribe and leave a review so you can help others who need the knowledge most discover this podcast. Visit https://www.productivitymd.com/ to learn more Here are 3 ways I can help you reclaim your time and be more productive:#1: Book a 15 minutes 1 Year 1-1 Peak Performance and Productivity Coaching Qualification Call now to learn more and take control of your time! #2: Join my Private Facebook Group and get full access to my 7-day Video Masterclass to 3X Your Productivity#3: Subscribe to Productivity MD Podcast (Formerly It's Not Rocket Science) on Health, Relationships, and Productivity or watch in YouTube.Follow Ann Tsung MD, MPH onAnn Tsung on FacebookAnn Tsung on YouTubeAnn Tsung on LinkedInAnn Tsung on InstagramAnn Tsung on Twitterhttps://www.productivitymd.com/2024/10/15/episode-67/

Imagine a world where you could trade stress for serenity, and guilt for gratitude. Our guest today, Dr. Laura Suttin, is a physician specializing in helping healthcare professionals find balance and fulfillment in their lives. She'll share practical strategies to overcome the guilt that often weighs down medical professionals and replace it with confidence and contentment.Discover how to prioritize self-care without feeling selfish, manage stress and improve sleep quality, strengthen relationships with friends and family, and find joy in your work and personal life. Let's explore how Dr. Laura’s insights can help you live a more fulfilling and guilt-free lifestyle. Key Points From the Episode:What are the common challenges clients face in terms of feeling guilty, and what tactics can be used to overcome that? Recognizing and unlearning the dangers of ignoring our bodily needs.How to replace the guilt you are feeling.What is the best way to address anger?Top effective tactics to make your life more productive.Setting up your non-negotiables and boundariesWhat is life without guilt? And how to live guilt-free? Resources:Follow Dr. Laura’s WebsiteDr. Laura On FacebookDr. Laura on TikTokHow To Be The Love You Seek by Dr. Nicole Le PeraListen to the previous episodes hereListen to the previous episodes hereWelcome to Productivity MD where you can learn to master your time and achieve the 5 freedoms in life!Show Notes - How to Overcome the Guilt Trap Many Professionals Encounter with Laura SuttinPlease subscribe and leave a review so you can help others who need the knowledge most discover this podcast. Visit https://www.productivitymd.com/ to learn more Here are 3 ways I can help you reclaim your time and be more productive:#1: Book a 15 minutes 1 Year 1-1 Peak Performance and Productivity Coaching Qualification Call now to learn more and take control of your time! #2: Join my Private Facebook Group and get full access to my 7-day Video Masterclass to 3X Your Productivity#3: Subscribe to Productivity MD Podcast (Formerly It's Not Rocket Science) on Health, Relationships, and Productivity or watch in YouTube.Follow Ann Tsung MD, MPH onAnn Tsung on FacebookAnn Tsung on YouTubeAnn Tsung on LinkedInAnn Tsung on InstagramAnn Tsung on Twitterhttps://www.productivitymd.com/2024/08/27/episode-66/