On Episode 20 of the Your Financial Pharmacist Podcast, we kick off a two-part series to talk about six reasons pharmacy graduates will struggle to build wealth and what they can do to combat these factors working against them. \xa0 Episode 20 Special Giveaway \xa0 Along with this episode, we are providing a YFP step-by-step spending plan (budget) template that will put you on the path to putting purpose to your spending each month. As this series highlights the factors working against us to build wealth, the reality is that we need to be more intentional about our monthly spending in order to achieve our long-term goals. This YFP spending plan Excel template is ready to go with formulas that will allow you to easily create a zero-based budget. \xa0 Get your FREE spending plan template at www.yourfinancialpharmacist.com/budget\xa0 \xa0 Featured on the Show