Today, we explore how physicians and other high-income professionals can approach charitable giving in a more intentional and effective way. Rebecca Herbst, of Yield and Spread , joins us to discuss reaching financial independence early, developing a philosophy of giving, and how to maximize the impact of donations over time. We talk about the importance of thoughtful decision-making, aligning giving with values, and making a meaningful impact. Rebecca shared a relatively unique path to financial independence. Unlike many in the WCI audience, she started without student loan debt and built her career in commercial real estate after graduating during the 2008-2009 recession. She described herself as a natural saver with a scarcity mindset, focusing on controlling big expenses like housing and transportation. Living with roommates into her 30s and avoiding lifestyle inflation played a major role in building wealth quickly, even before she formally understood personal finance principles.…