In this podcast episode, host Dr. Kevin Coughlin interviews financial educator Adam Carroll about his "shred method" for reducing debt and creating passive income. Carroll, who has 20 years of experience in personal finance, explains how his method helps professionals in the healthcare field eliminate student loan and practice debt in 3 to 5 years. They discuss the importance of building wealth outside of one's practice and retirement planning. Carroll challenges the assumption that people spend less in retirement and emphasizes the importance of financial freedom. He offers a free consultation with his team for listeners interested in learning more about the "shred method".