How we accidentally built a $1 million dollar locums business (Locum series part 6) #392

That's locumstorycom and you'll see all the different reasons why physicians choose locums and how it works for them . Find out about jobs , taxes , travel and , to me , most importantly pay . Visit locumstorycom to learn more . This episode is brought to you by Set For Life Insurance . Listen , docs .

One of the first steps we took to pay off our student loan debt was realizing we paid way too much for our disability insurance . That all changed when we found Set For Life Insurance . They helped us with a customized insurance policy that met our needs and , most of all , budget . To learn more , check out setfulifeinsurancecom . Yo , what's good everyone .

This is Dr Neum , joined by Dr Renee , yeah , Freakly Air Freakly . Shamika Keisha , Content over everything I see C-O-E .

There's this new update for all you Apple people . The new update doesn't allow automatic downloads for podcast episodes , and you got to go back into the podcast app , apple Podcast , and make sure you're re-subscribed to us , make sure you're telling it that you want automatic downloads . Because I'm looking at our download numbers and I'm like yo , what's going on ?

I was kind of taking it personal . I was like yo , y'all don't want to listen to us anymore . And then I find out I don't like us anymore . Then I find out that it's actually they really don't like us . Then I find out that it's not just us , it's in general all of the podcasts out there .

Then , when this new update went out there , apple tried to like , they tried to get us yo , they tried to bake shelly . They took out the ability to do automatic downloads or automatic follows . So everybody's download numbers are down .

So I'm just reminding you all , if you're on Apple Podcasts , just make sure you recheck , follow or subscribe so that we can get our numbers back up , because we appreciate y'all , so listen . One more last thing too , before we jump into this episode .

So I'm at one of my locum spots and I come in I haven't been there in two weeks and all of a sudden everybody's like yo , the podcast superstar , and they're just joking around .

But apparently some orthopedic trauma fellow , some guy who was actually doing an orthopedic trauma fellowship , he's looking for a job comes to this hospital that I work at and I guess he tells them that he's heard my podcast and is either wanting to do locums or that we're talking about locums and basically kind of outing us to everybody and shit .

I'm like damn bro , like you know .

. Let's , let's wrap this up , because for the last several weeks we've been answering various points of the questions that were put out by these two doctors , these two ER doctors who , in essence , are tired of being employed and want to kind of go and do things on their own and they want to work locums . They want to be independent contractors .

They don't want to be held down by the man , so to speak . And not only do they want to be independent contractors when nobody tells them when to work , how to work , they just make as much as they want to make , and so forth .

They actually want to start their own locums agency , which means they want to kind of have other doctors employed or , sorry , have other doctors contracted through them . All right , there we go , and then they go and send them off to various hospitals , and then they're in charge of travel , they're in charge of hotel , All those different things .

They want to do that and they want to know how we do that . So we did that . Let's tell them how we did it , so that we can break this down for them and they will understand this forever . And it will be broken down , so it will forever be broke . That's it , all right .

So that way you don't have to keep scrolling through the audio or the video if you don't have it right in front of you . You could just pull it up in a PDF file . So don't forget to look in the show notes .

These are really things that you can kind of keep in mind when you're looking to transition into locums , and I think a lot of times people feel like it's all over the place . Do I look at this resource ? Do I look at that resource ? I got 19 different resources . You know how I like to plan or I like to research .

I'll have a whole map full of a whole bunch of different things . Look at this . How does this do this ?

Remember that one year , yeah , fucked around and charged seven figures and I was like yo , I had never seen .

This was around the time we had done IVF for two and a half years . It had failed . Me was like you need to leave your job .

But as I was leaving actually I think the day after the day after I left or two days after I left I got an email that basically said hey , would you consider potentially putting these private docs that work at the hospital through your Locomtenants agency ?

Because the private docs who actually were in a practice but not all of them in the practice wanted to do independent contracting . So they decided that they were each independently going to contract with the hospital . And the hospital was like no , we don't do that .

If you're going to contract with us , you need to do it as an entity , not as an individual , in other words , not a sole proprietor . And so they didn't want to form yet another practice , if you will , and they didn't want to use their current practice , since all of them were not going to be contracting .

So I went to me and I was like what do you think ? And what did you say ?

We , as the hospital , will pay you as your company , and then you use that money to pay the doctors .

And we were like hell , no , Because , yeah , it sounds easy , right , well , yeah , you just take that money and then you give it to the doctor . But one thing that people don't understand and we're going to talk about this later on is you got to create payroll . That costs money . You got to create schedules . That costs money .

You got to pay taxes on some of those things . That costs money . You got to get a CPA . That costs money . So we had fees . So it's not as simple as just , yeah , you give us $10 and then we give it to the doctor and then it's a clean exchange . It doesn't work like that . Actually , we would be going into the negative to have this relationship .

So that was my big question . I was like , okay , well , great , yeah , you want us to do this and facilitate this for y'all , but it's going to cost y'all .

One of the things that you didn't mention , in terms of all of the things that we would need to worry about and pay for , is our time right , because our time was worth something as well , and so you can't discount the time that we were going to be taking to be able to provide this service that they otherwise would not have been able to provide for themselves

.

Can you provide coverage for that ? We don't care who you bring , just make sure you can help us cover two weeks . What happened to us is they give us the entire schedule and they were like yo fill this schedule with either the docs that we already have or the docs that you have .

Make the magic happen , and we don't care how it ends up , but just make sure there's no holes . Those are two different things .

The rest of the schedule , the majority of the schedule was empty , was completely empty , so we were at times filling over 20 days in a week or , excuse me , in a month , of different doctors who needed to be on this schedule , and so that's essentially what we ended up doing All right y'all .

Maybe you want more control over when you work or even how much you work , or , look , you're just trying to make more money to pay off those damn student loans . Now the other thing is pay attention . The average locum's doc gets paid at least 33% more than your average employee doc . You got your attention now so look , I get it .

Sometimes the hardest part is where do I start ? You start your research at locumstorycom . Once again , that's locumstorycom . It's an unbiased educational resource about locum tenants . There you're going to find stories about the different reasons why doctors choose locums and how it works for them .

Locumstorycom has tools that let you explore locums , pay demand for your specialty and even compare different locum tenants agencies . So look , stop sitting on the fence or just thinking about it , start doing . Do your own research at locumstorycom . Once again , that's locumstorycom .

? Well , in this situation , the way in which we decided to pay the providers was kind of something that was already predetermined before we even got to the point . So , hospital was talking to the doctors . The doctors were like , yeah , we don't want to be independent contractors . Or excuse me , we don't want to form another entity .

We got to figure out something , but we kind of know how much we want to get paid , right , and we came in and we were like , okay , like we understand how much you guys want to get paid , but we want to get paid too .

Also , since we're going to be doing this schedule for you guys , we're going to be giving you the I'm talking about to the doctors 1099 and then to the hospital . We're going to be giving you guys a schedule . We got to get something . So that was the first thing is one in this situation . We kind of walked into a situation that was already kind of done .

So that was one of the first things that we had to get over or we had to go through was like , okay , now that we know how much the doctors are going to get paid , and now that we haven't agreed upon amount of what the total amount going to be , we kind of know what our profit is going to be . Does this work for us ? And we said yeah .

So that was the first . One of the first big hurdles Is this going to financially make sense for us to do an agency like this ? And we decided it would .

Usually what you're getting paid is going to be some percentage of what the physician is going to be making , and that is taken out from what the hospital essentially is paying you . So just kind of keep that in mind for your agencies that are out there , right , like the big agencies that are out there .

We found out at one point , right when I was out in Idaho , we found out how much I was getting paid and we found out how much the agency was actually getting paid , because one of the administrators unknowingly spilled the beans to me and it turns out that I think that hospital was getting excuse me , that agency was getting paid 40% , yeah .

paying you and it was basically what you were making . You kept 50% of the money .

The reason I think that's crazy is when you first start working with a locums company , yeah , there's some work that they do in terms of helping you get your credentials , your licenses particularly in states that you don't have that stuff helping you get onto hospital staff . That takes some work , right , you got , they have these big companies and overhead .

But after that initial point , when , like , you're going into month two , month five , month seven , and you're working at this one hospital or multiple hospitals and there's no more credentialing that needs to be done , it's smooth sailing , right . It's smooth sailing right . It's like , how much more work do you need ?

And do you necessarily need to be getting 50% , 60% of the money that I need when I wake up in the morning and go see these patients , right ? Why ?

So for us we decided that since we wanted to be physicians first , since we are a physician run company , we wanted to make sure that we wanted to maximize the most amount of money to the providers , whoever it may be right . So we use technology . We just said look like we're in this to make a profit .

But also , at the same time , we got to realize the sweat equity belongs to the person who's actually on call that time . And that's how we decided how much we would keep right . We kept like what ? 10% , if that you know .

10 to 15% of that was what we kept to keep the doors open , to keep the lights on and for us to have a little bit of profit and make it work for a while . So one of the questions they asked is how do you determine ? How are you gonna pay the doctors ?

That's up to you , but also realize that you can use technology to kind of decrease your overhead costs .

But one of the other questions that I wanted to shift to real quick , just to kind of keep this moving , is she asked , or they asked in starting your locums company , did you utilize certain lawyers to draft contracts or other agencies that streamline the process , right ?

And the reason I wanna bring this up is because this is part of us how we did our contracts right , yeah ? So my answer is hell yes , we use the contract , we use multiple contracts , right . So there's one contract that's between our company and the hospital , and then there's another contract between our company and the physicians right Yep .

Oh my God , people , there's gonna be a point where we're gonna have a story for you not today , but let me tell you something Making sure that your contract is well-written , making sure that the appropriate amount of liability is on you as the locums company and the appropriate liability is on the physician and the appropriate liability is on the hospital , is

extremely , extremely important . That's as far as I'll go in the story right now . One of these days we gonna tell y'all a story .

by you . They're not employed by you and therefore you don't dictate anything that they actually do in terms of their practice . So you just have to remember that having a contract and having it looked at by a lawyer who understands the lingo so don't go getting a , you know I'm gonna get like a- real estate lawyer , don't get a tax lawyer .

Right , get a tax lawyer , you know real estate lawyer , you know music industry lawyer . That's not going to help you . You need somebody who really understands contract law , who understands HR , who understands medicine and how this stuff actually works .

Like we are independent contractors and I'm working with this agency and we're like a staffing company , that's it . That's really clear . The other thing , too , is that making sure that it's clear that the doctors that go to these hospitals they're just contractors , they're not employers or , excuse me , they're not employees or anything like that .

And that's very important , right , because some doctors may want to know , hey , like I just got to this hospital and I don't like it here , like I wanna be out , right , or I don't wanna go to these meetings , you know , and there's certain things that you can get away with if you're an independent contractor and there's things that you can't get away with if

you're an employee . So it's very important to kind of delineate that and I would say lean on the independent contractor side . And then the other thing is you gotta let the expectations be known to your providers , and what I mean by that is y'all don't trip . Just , you know it's not all , like not all the responsibility is on the hospital .

Like you gotta make sure that your doctors are finishing their notes , they're submitting their notes in a timely fashion , because if they can't , then the hospital can't bill and they're gonna be upset when , like , you're charging them these locum rates and then there's notes that are half done or notes that are not done and they can't bill Medicare or Medicaid or

whatever third party insurance agency that is , and it's gonna come on you guys as the company . So just make sure in the contractor , making sure that you're holding the providers accountable , to make sure that if you don't do notes you'll get paid . Those are three big things , I think .

Are you interested ? You cannot place a physician in an assignment . You cannot do that , so you can't treat them like an employee . But then say , well , it says on paper that you're not an employee , because , let me tell you something , paper trails , paper trails will negate that contract immediately and , trust me , you don't want the labor bureau coming your way .

You gotta be very clear as to how you treat people and make sure you are following the law , because I'm telling you they will come for you . So just make sure you're very clear as to what is covered , what is not covered , how they work , how they don't work , all of those different things . Make sure you're abreast on independent contract or law .

As a locums company , you can provide medical malpractice , right . So you purchase medical malpractice and then the doctors who are contracted with you , they're covered under the company's medical malpractice . Then they get sent to the hospital . That's one way you could do it . Another way that you can do it is by depending on your relationship with the hospital .

The hospital could be like yeah , we know that they're independent contractors , but we'll provide coverage for them . That doesn't happen too much , but we'll provide coverage for them . The reason why the latter , I think , works the best is because the hospital has , like , these huge group policies , right .

So having a doctor , an additional doctor , added onto our group policy , is not that big of a deal , right . But if you have to get your own insurance , if the company has to get their own insurance , a lot of times that may increase the rate that the agency is charging the hospital , right .

So what was $10 a day is now maybe $12 a day and that stuff adds up and that's why a hospital may say look , screw that , go back to $10 an hour and we'll cover the medical malpractice of that .

I don't know if anybody has been following the series that we've been doing with John Epino , who is the contract reviewer for contract diagnostics right , the founder of contract diagnostics , but we've had some episodes out about reviewing contracts and negotiating .

But in this case , right , if you have a hospital who says , hey , we want you to provide the malpractice insurance , that's absolutely what we want . We don't want to put the physicians on our own malpractice coverage , that's fine .

The other thing that you can negotiate is okay , you will reimburse us for that malpractice insurance , right , so we can keep the rate the same as long as you reimburse me for that expense that I just made . If you don't want to reimburse me outright , then the rate has to go up , maybe by a certain percentage .

So these are things that you really should think about . Read , read , read on how to be able to kind of navigate all of these situations about employer , employee malpractice insurance , all of that stuff , because that's going to be really vital to your success as an agency .

So that's a big deal , right , and you also got to make sure . Go ahead , ben .

But I would argue and maybe everybody's not going to agree with me and that's okay , but because we are very physician-oriented , I would argue that make sure that you get either occurrence insurance or claims made with tail with tail , and that's something that you should actually outline in your contract with the hospital .

You need to be like listen this is the coverage .

I don't care where you are , I don't care if you're in Florida , I don't care if you're in California , but basically , what's tail coverage ?

The key thing is what happens when you leave that facility and you're no longer working there anymore . Occurrence-based basically says listen , whether you leave there and you're in year six or you're in year 40 , we got you . If someone comes up with a medical malpractice case at year 59 , we got you . You . Good , got you .

That's more expensive , right , that's that Cadillac plan , that Cadillac guy going insurance over there . Right , it's very expensive , but you ain't got to worry about if someone tries to call hem you up in 50 years . You always got coverage .

But tail coverage will say , yeah , in year 59 , we got you Right . So what you end up seeing is claims made oftentimes is a lot cheaper than a current space because you know it's just a , it's cheaper and you oftentimes have to purchase the tail coverage right To cover you separately .

And what a lot of private practice doctors or doctors who work in like these group practices that make you purchase tail .

What they end up finding out is in order to cover you for all that back stuff that happened before in year one through five , you don't have to fork over like almost like a hundred percent of what the premiums are going to be , or even more so .

Sometimes you have to fork over like a hundred K to get you to cover all your stuff , and it's like who's floating around with a hundred K Right ?

So they reviewed our agreement with the physicians , they looked at our agreement with the hospital and it was a hundred proof . It was cash money . Nothing is bulletproof . So we covered everything . There were times when I was just like why do we have this in here ? Why are we going so far in debt ?

So if you're responsible , if you're a company in New Jersey and you got to get people over to California , how you go cover that right . But , like , you have to be able to cover a lot of these different things .

But if you get a really good lawyer who's worth his or her salt they got you and I think it's worth it it's going to cost you , but if you really willing to get into this , you're going to have to pay for that .

So initially we came in with a crew already , right , the hospital had their crew of people who they wanted us to contract with , so we had our crew , and then the hospital had one person who , combined , could basically fill an entire schedule Right , and so now our job is is okay , how do you properly get these doctors to sign up for a contract or for a

schedule ?

How do you get them on a schedule ? Right . How do you talk to five different people to get them on a schedule ? That's hard , right . How do you make it automated ? Right , cause now you got to scale it , right . How do you make this occur so that when I'm sleeping , someone can still sign up ? I don't know how to do that .

I can't talk to each person each way , right . How do you make sure that you are confirming with these doctors that yo , now that you signed up , like this is what you're going to do , right ? How do you make sure that they don't cancel in 30 days ? Right ? These are all these different things that you got to think about .

Yeah , who's going to provide that letter ? So that was the next step . You know you want to get it , you want to get into that .

Exactly so I think you just saw the general idea of multi хотя ride Porsche .

If we didn't automate this because we started out with a crew of , I wanna say , was at least four doctors at least trying to cover potentially 20 plus days every single month , which means we would have to confirm every single day that they were gonna be working I'd have to look at the holes in the schedule and I was like there's no way , like I'm gonna be

able to just do this . So we ended up using a resource that helped us to put the schedule in , to , say , the dates that were needed for the physician . So there was some back work that needed to be done , but it was so kind of like what do you call that ?

It was so repetitive , right , the work was so repetitive that it wasn't like , oh my God , I got a cater to every single person . So we used something called you Can Book Me and we put in the dates for every single month that we needed and then put it out to the physicians and said , okay , the you Can Book Me for the month of December is out .

Go ahead and start picking your dates and then First come first serve , first come , first come , first serve . And so we put that out there . The physicians would choose their dates , and once they would choose their dates , then I would be able to go back and see okay , what are the holes that are in the schedule that aren't covered ?

For the most part if something was really easy to cover or whatever , even though I was pregnant at the time and I should have probably been sitting my butt down .

But if I wasn't traveling and I was available , I would actually just take the call , right , and just be like eh , there's a couple of hours here that isn't covered , or there's one night that isn't covered , so I would just end up taking the call , which was really nice , right , because when you have your own LocomTendance agency , especially if it's within your

specialty , then you can do that , and so these were OB docs , so definitely I could take the call .

canceling within 30 days . Because if you're working with a hospital and the doctors are consistently cancelling or there's no barrier to stop them from canceling , they gonna cancel and that's not gonna work for you from an agency standpoint . So you gotta make sure that you have something that's in line that says yo you cancel in 30 days .

Yeah , you gotta make it . You gotta make it hurt a little bit if they cancel in 30 days .

But yeah , you wanna create some sort of hurdle preferably a monetary hurdle for yourself , because what's gonna happen is if they cancel , then that increases the work on your end to have to do whatever you need to do to find a person to cover that assignment . So definitely create some sort of hurdle to do that .

To learn more , check out setforlifeinsurancecom .

So what are some of the overhead fees that they should be aware of , right ? So I think , definitely , yo , you gotta worry about software , right , because software is gonna be the key to automating this . So for us , like you can book me , was like over the year , I think it was like 200 bucks or even less than that .

Then you're probably going to need some money to pay for payroll . Payroll costs money , right ? So what payroll is is you know , whenever the hospital pays you guys as a lump sum , right ? Then you pay the doctors .

You need a way to either automate that or you need a way to pay them in a way so that at the end of the year the doctors can get a 1099 , right ? So you gotta be very like .

You have to figure out a way , a system , so as to pay them and keep track of how much you're paying them , so that by the end of the year they get their 1099s and they're happy , right ? So that costs some money , right ? Then you're going to have to get a CPA , I think . Look , you're going to have to be this is the big boys , yo , big girls .

You're going to have to get a CPA and that's gonna cost you some money right , and I think , in general , you might end up needing a VA in some form or fashion to do something . That may be either getting them some confirmation letters to your provider saying , hey , you chose this date and now that you chose this date , you're gonna stick to it .

And here are some of the rules . If you cancel outside of 30 days , this is what happens . If you cancel within 30 days , this is what happens and , great , this is who you contact if there's an emergency . This blah , blah , blah , blah blah and we sent this out to every doctor every month . All the time .

You have copies of everything all the time , so some of the money that you'll spend will be on like automating software , as well as some things that you just really can't do it out , which is like a CPA , or even like payroll costs .

This is their signature . You guys need to look at it , sign it or acknowledge it and send it back to us so that we can book you or , sorry , so that we can In voice . And what we would use . We would use QuickBooks . We made it simple , simple , straightforward .

. There was one other thing . Oh , the other thing that I was gonna say is and I don't know if their questions are on this , but onboarding doctors is gonna be extremely important .

Okay , again , I got a story for y'all that I cannot tell you right now , but I will tell you . I promise in the coming months I will tell you this story .

But onboarding doctors is gonna be extremely important , just in the same way that your locums agencies the big locum agencies you know get people's credentials , their license , their , their diplomas from medical school , their diplomas from residency references .

You have to be able to prove without a doubt that they have all the credentials and they're all legit , what med school they went to , what residency they went to , what fellowship they went to . You need diplomas with the actual stamps on it . You need references , and you gotta make sure these references are not like you know .

Craig and them had said that I'm a good surgeon , right , you need all of these things . You need to know if they've had any medical malpractice cases . That doesn't preclude anything , but you just need to know that it's been closed and what the resolution is . You need to know all these , even if they're your friends .

You need to know this right so that you can put this and document this and you can give this to the hospital and the hospital can be like all right , cool , no problem , we'll credential these people . But you need to know everything .

You know you're gonna need your license to be renewed , you're gonna make sure that they have a DEA number , like all of this needs to be on file . You need to make sure that their maintenance of certification is where it needs to be and you need to be on top of this all the time .

You need to remind them like hey , listen , if you have any malpractice suits that came up , whether it was through a job that we presented to you or not , you need to let us know and you need to have your due diligence .

You need to do your due diligence and document that you are requesting this information and that you are taking the appropriate steps , you know to keep this physician either working or not working with your agency , based on the information that you got .

So if a physician is no longer board certified for example , if they didn't do their maintenance of certification , but that hospital requires the doctor to be board certified then they're no longer eligible for that assignment , even if they were on that assignment before . So you have to notify the hospital and then the hospital can make the final determination .

But you have to do your due diligence and be like hey , you know , dr So-and-So is no longer board certified .

I just need to let you know that Now , technically , the hospital is also supposed to be asking for this information as well , but because you are the one presenting them with this assignment , it's still your responsibility , so make sure you are accountable .

Then we recruited other doctors who were from you know further away , and that's when we had to make sure okay , how are we going to cover the cost ? But because our lawyer was dope and our contract was dope .

In our contract with the hospital it always said that if we bring locums , if we bring doctors from you know outside a certain area , a certain you know range , you the hospital had to pay for airline costs , had to pay reasonable airline costs , had to pay for the hotel this is a reasonable hotel room had to pay for a rental car , right , and what else did

they have to pay ?

And that's the other thing , too , you got to think about , too is is , when you're doing this , you got to make sure that you have enough cash flow to put up the money . Initially , whether that's cash flow or credit , if you're using a credit card , you're going to have to arrange the hotel , you're going to have to arrange the rental car to flights .

Now , if you decide to use a travel agency or not , so that the you know , so that the doctor can make those arrangements , that's up to you . But you're going to be putting up , as an agency , the money first . Then you bill the hospital , hospital pays you , you clear up those costs and then go from there .

So just make sure you have enough cash revenue to be able to cover that . But yeah it's , it's , it's a really good , it's an interesting , interesting opportunity with with lodging and hotels and airlines . That's another set of work and that's where you may need a VA .

They said they already have a few colleagues in mind for staffing , so in essence , it's kind of like us , right .

The question that I have for you is is how big do you want to be ? Right ? And what I mean by that is is like , if you want to be small , you're going to move fast and you can niche , and there's a lot of things that you can do that a larger company can't do . If you want to be really big , then you're going to have to hire people .

There's going to be obviously some economies of scale , but you're going to have to front some more money . I always say start small , make sure you have everything . What is up with my background y'all ?

So I'm just assuming that it's going to take a minute to go through the verbal negotiations of different hospitals that might have an issue we want to engage with you , and then the back and forth of you know how it goes the back and forth with the contracts of yeah , we want to .

I see what you're saying I'm a custom , that I'm a custom , that is , and you're like come on , son , the sign this contract Right .

The calendar was completely full and they wanted to meet with us about ways that we can be basically more economical . And you were like one week postpartum , Remember that , and I was like I'm going to go on this meeting on my hand and you're like , no , you're not , I'm coming with you .

We made a lot of mistakes but we figured it out and we fucked around that first year and when charged about over seven figures for all the work that they did and I think when you see those numbers you start to realize , like yo , the amount , how much us as physicians , or what physicians , what their worth is and what they provide , the hospital still made

their money back and billy and all those things . Yo , I'm telling you all right now like it was crazy , but then I think the other thing that had taught me really was the hospital just really wants warm bodies .

They just want you to fill the schedule widgets , which are the equivalent of doctors , and we know that that's not that's different , but that's how they like it and I was like wow , but we did it and obviously we didn't retain that amount , but we , it was just amazing number to see , like damn in a year .

You know well , for me anyway , the question was did I want to spend more of my time doing something that we could pass on to our sons , which I mean I guess you could pass on a locomoteness agency ?

Because , remember , we would do things like we would do some webinars or some resources and teach them how to retain or keep more , basically like tax strategies and stuff . We would give them books . Remember , we would give them books .

We would teach them how to make sure that they're properly utilizing this 1099 money well , so that it benefits them , and then also , at the same time , we were teaching them how to advocate for themselves against the hospital in a positive way . It was a positive relationship . Those things I really enjoyed .

Then , after a while , there was some headaches that we had to deal with . That kind of kept getting bigger and bigger and bigger and bigger . And then you throw on top of that , our lifestyle was changing and it was just like I don't want to deal with this anymore . Y'all driving me nuts . And then it was like , well , should we try to find another place ?

And I was like I don't know if I want to deal with this .

Like you said , you're right , I didn't think about that . I didn't think I forgot that . We did that in what , how many days ?

I don't do anything without a contract . We like this . And we have to do things by the book . It has to be documented because you just want to make sure that everybody understands the expectations right . It's not because you're trying to guilt somebody or you're trying to . You know , you think somebody is going to try to get over .

It's just that if you don't understand the expectations , if someone has a different interpretation of the expectations that you have , then it's going to be a problem . That's why I watched so much Judge . Judy , you sound like a fool . That's your opinion . My opinion's the only one that counts .

about it y'all . We're going to wrap this up y'all , because this ain't going to last as long and I'm tired . I got locums the next morning , so listen , guys , make sure you check out our previous episodes on locums and to the two doctors and check out the yeah To the two doctors . Hold on a second To the two doctors that send us these questions .

These are some great questions and you gave us great , great ideas and great content over these last several weeks , so thank you very much .

If there's anybody else who has any questions on locums or has any questions on anything that you hear us talk about a lot whether it's real estate , investing , paying off student loans , lifestyle , you know , kids all those different things send us a question . You know we might be able to make a really good series out of this and this was dope .

So Dr Renee is going to be back to normal for us Normal podcasting schedule , normal podcasting .

The other thing that I wanted to mention was that if you guys are interested in learning more about locums , you know we have a little bit of a group that we're going to be taking on to teach you and take you through the locum tenants process , whether that's you want to just start out doing locum tenants or you want to go all the way to starting your own

locum tenants agency . But we're going to be taking a small group through that process . So if you want to be part of that group , when you click on that link below , it'll also take you not just to what we're offering in terms of the download , but it's also going to take you to the I guess , the interest group , the wait list or whatever .

It's going to be a small group , so I don't know if everybody will get into it , but if you are interested , go ahead and give us your information and we will contact you to let you know if you got into the group .