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Functional Doctor Escapes the 403(b) Trap: How He Built $5K/Month Passive Income

From Hearing to Doing: How Dr. Evan Hirsch Built Energy and Cash Flow


Most of us know what to do. Fewer of us actually do it. In this week’s episode, I sat down with Dr. Evan Hirsch (Energy MD Method) to unpack how he moved from “hearing” to doing in both health and wealth and how that shift is helping his family design a work-optional life.


The Health Piece: Why Fatigue Isn’t “Just Burnout”


Evan’s a physician who specializes in chronic fatigue and long COVID. His approach looks beyond willpower and coffee to what he calls the “toxic five” heavy metals, chemicals, molds, infections, and nervous system dysfunction. Instead of quick fixes, he guides people through a natural, 12-month, step-by-step detox process that opens pathways, removes loads the body can’t handle, and steadily restores energy.


Translation: you don’t have to crash to recover. If you or someone you love is stuck at three-out-of-ten energy, this is worth a look: EnergyMDMethod.com.


The Wealth Piece: Cash Flow Today, Options Tomorrow


Evan’s money journey started like many of ours Rich Dad Poor Dad, index funds, a few rentals, and a plan to be set by age 65. Then the math changed: thin single-family margins, tenant turns that wiped out a year’s profit, and a growing desire to live more now.


Instead of forcing a 1031 into a DST with cash locked up, he chose liquidity and reallocated into vetted private deals targeting about $5,000/month of cash flow outside retirement accounts. Why? His family is moving to the Netherlands for their daughter’s university, and they wanted stability that isn’t tied to clinic hours or business cycles.


To get there, he:

  • Converted accounts to self-directed (IRAs and Solo 401(k)) for better control.
  • Accepted the tax tradeoff where it served the plan, then looked to offset with cost segregation/accelerated depreciation when appropriate.
  • Focused on due diligence and operators with real track records because passive doesn’t mean blind.


    Information vs. Transformation


    Evan said it perfectly: information is free; transformation costs something time, money, attention. You invest, you implement, and then you iterate. That’s as true for detoxing your body as it is for building passive income. If you’ve been listening for a while and waiting for the perfect moment, here’s your nudge: take one step you’ll actually implement this week.


    Key Takeaways

    • Energy and income are linked. If you want a rich life, you have to prioritize both.
    • Cash flow buys flexibility. Even a few thousand a month can change where you live and how you work.
    • Self-direction creates agency. Use the right accounts and the right partners so your money serves your timeline.
    • Mentorship compresses time. Don’t just collect tips work with people who’ve done it and will help you implement.

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