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Financial Freedom for Physicians with Dr. Christopher H. Loo, MD-PhD

Financial Freedom for Physicians with Dr. Christopher H. Loo, MD-PhD

By Christopher H. Loo, MD-PhD
Physicians are incredible human beings but when it comes to their financial future, the path can seem somewhat obscure. There is a vast number of podcasts created specifically for physicians on the topic of finances. This podcast, however, is a little bit different. Come on this journey with me where I support you and our colleagues as we fight and advocate for financial literacy at all levels of training.

Want to start your own financial literacy journey? If yes, find me at to connect for one-on-one coaching, resources, and a ton more.

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#08 - How to Create an Awesome Podcast and Make a Significant Impact with Your Spouse (Drs. Tim and May of BSFree MD)

Financial Freedom for Physicians with Dr. Christopher H. Loo, MD-PhD

#19 - How to Achieve Financial Freedom Without Losing Your Personal Freedom - Dr. Sogol Pahlavan, MD
Imagine reaching the pinnacle of success, achieving all of your dreams and goals.    You look around either in joy-ecstasy or utter despair.    You ask yourself, "Is this all there is?"   Or you feel contempt and disgust at yourself, spiraling into despair, unhappiness, and depression.    This feeling is common among the highest achievers - Olympic athletes, CEO's, entrepreneurs, billionaires, and celebrities. It is a feeling that I personally experienced in 2008, thinking I had reached the pinnacle. Unfortunately, it is a feeling that is pervasive and more common with people searching for more fulfillment, happiness in their lives, yet unable to, searching, yearning for it, but confused by societal values, cultural conditioning, and the media.  In this episode, we are joined by Dr. Sogol Pahlavan, MD, who reached the pinnacle of "success" several years ago - graduating from a top-rated medical school, having a beautiful family, dream house, financial stability, and a highly productive career. Despite all of these outward accolades, Dr. Sogol still felt empty and unfulfilled.  In this podcast episode, you will gain insights into why this frequently happens, where we delve into concepts such as the intention and energy behind the thought, emotion, and action, meditation, letting go, unconditional love, and acceptance, and many other concepts that will allow one to make peace with themselves, and achieve fulfillment, and happiness along with success.    Bio: Dr Sogol is a board certified pediatrician founder & managing partner of ABC Pediatric Clinic established in 2008. She along with her sister Dr. Silen have grown their 2 physician private independent pediatric clinic serving 10,000 patients in east Houston which is an underserved hispanic community. After struggling with burnout and “chronic fatigue”, Dr. Sogol embarked on a journey of mindfulness living & became certified as a mindfulness coach working with female minority physicians. She utilizes mindfulness tools along with meditation, yoga, and breathwork to connect to the present moment to find self fulfillment and JOY. She teaches physicians to fully take back responsibility for their life by reclaiming their power and committing to being their most authentic self.  Dr. Sogol Pahlavan, MD has her very own podcast Mindful Living with Dr. Sogol (, and can be reached on  Instagram -
September 20, 2021
#18 - Financial Freedom Through "House Hacking" - Dr. Ayush Gupta, MD (MD House Hacking)
In this video podcast, I interview Dr. Ayush Gupta, MD an Emergency Room physician based out of New Orleans. In this enlightening zoom interview during Hurricane Ida, we discuss "house hacking" and how it can be applied towards financial freedom through short term rentals, multi-family, and other real estate investments.    We discuss: 1. Why house hacking is perfect for  medical professionals even if they don’t have time or money to start.   2. How to live rent free and start devoting one's time to all the things that matter.   This week's show is affiliated with Passive Income MD Passive Real Estate Academy. More information about passive real estate investing can be found here  If you are undecided, they have a free masterclass where you can learn all about real estate syndication and funds, no obligations, that you can get to by clicking here  Bio: Ayush Gupta, MD is a Pediatric Emergency Physician and is the founder and CEO of MD House Hacking, who helps medical professionals reach financial freedom through house hacking and real estate investing. His website is
September 13, 2021
#17 - "Job Security" Is a Myth - Yosef Lee (Syndicro Partners Capital)
In this episode, I interview Yosef Lee, a lawyer from Syndicro & Partners Capital, LLC. We discuss the concept of "job security" and how that is a dying paradigm. We then delve into the concept of income stream diversification, and how real estate syndicates can help you to achieve financial freedom, and achieve generational wealth.   Bio: Yosef Lee is a lawyer, multifamily apartment syndicator and investor, and entrepreneur. In addition to his strong faith, he is a father, a connector, strategist, and owner of a pilates studio.   Yosef's vision is to take back control of his T/P/O (Time, Place, Occurrence) through financial freedom. Along his journey, Yosef is passionate about making changes in others’ lives and empower them to become better version of themselves, and to live their lives on their own terms.    His website is This week's sponsor: PIMDCon Real Estate Conference 2021 (Passive Income MD) - 
September 6, 2021
#16 - How A Bike Ride Gave Me the Courage to Quit My Job and Start My Own Business with Dr. Jordana Rothschild, MD (Alpine Health)
In this latest podcast episode, we are joined with Dr. Jordana B. Rothschild, MD of Alpine Health a company focused on wellness, preventive, occupational, and holistic medicine. In this episode, we discuss Dr. Rothschild's curiosity about learning a new skill during the COVID-19 pandemic, her initial fears about not knowing how to ride a bike, fear of physical injury, fear of what others think, and "baby stepping" her fears. We then transition from her experiences during this time, and how they gave her the courage to step out of her comfort zone, and try something new and different, to starting Alpine Health.    Bio: Dr. Jordana B. Rothschild, MD is a double board-certified physician specializing in preventive and occupational medicine. She received her MD from the Sackler School of Medicine in Tel Aviv, and did her internships and residency at the State University of New York (SUNY) at Stony Brook. She is the founder of Alpine Health, and can be reached at, YouTube, Facebook, and Instagram @jordanarothschildmd
August 30, 2021
#15 - Physician Money and Life Coaching with Dr. Yashoda Bhaskar, MD
Tune into this week's episode, where we interview Dr. Yashoda Bhaskar, MD where she talks about her work as a physician money, life, and mindset coach.  Dr. Yashoda Bhaskar has achieved financial, time, location, and emotional freedom. She currently lives and works on the beautiful Hawaii islands, doing her life's work and mission. Bio: Dr. Yashoda Bhaskar is a double Board Certified physician in Internal Medicine and Lifestyle Medicine. She graduated from medical school in India and moved to the US after she got married more than 30 years ago.  She completed her residency at Texas Tech and subsequently worked as a hospitalist for 16 years in the Pacific Northwest. She moved to Hawaii with her husband in 2018 taking up a job at a skilled nursing facility.  She then retired in 2019 and traveled through India for 3 months. On her return, COVID broke out and she decided to go back to work to serve patients as a telehealth physician.  She is currently an ICF Certified Life Transformation coach and a Certified Money Mindset coach. She helps women medical professionals who have unique struggles in medicine around burnout, sexism and discrimination through her powerful coaching methods.  Her philosophy is that financial freedom is key to developing control of one's professional and personal life, giving physicians choice to create a work-life balance that works.  The tools she employs as a Money Coach bring clarity to the taboo conversation around money and take her clients from "financially innocent to financially savvy" so that they can feel free to design a life of their own choosing.  She also happens to be a certified vipassana meditation teacher. In her meagre spare time, she loves to read by the beach, go for long walks and listen to motivating and empowering podcasts and audiobooks. She also enjoys yoga and Zumba.   She can be reached at: Website: Facebook: Instagram: @yashodabhaskarmd
August 23, 2021
#14 - Building a Podcast From the Ground Up with Dr. Brent Lacey (Scope of Practice)
In this episode, we interview Dr. Brent Lacey, MD of the Scope of Practice Podcast. We discuss his story, journey, and motivations for creating the Scope of Practice Podcast.   We then discuss the nitty gritty of creating a podcast from getting clients on the show, sound, lighting, acoustics, video and audio editing.  Dr. Brent Lacey is a gastroenterologist and founder of The Scope of Practice, a website and podcast devoted to helping physicians and other healthcare professionals learn to manage their businesses successfully and master their personal finances. He speaks on subject matters focused on business management, personal finances, and leadership. Dr. Brent Lacey can be found at and on social media @thescopeofpractice. Like, comment, share, and subscribe!
August 16, 2021
#13 - Changing Lives Through Creative Content with Drs. Tim and May Hindmarsch (BS Free MD Podcast)
Join us in this collaborative interview with Drs. Tim and May Hindmarsch of the BS Free MD where we discuss side hustles, multiple streams of income, and the opportunities and challenges afforded through podcasting. This was a fun and great interview. Drs. Tim and May Hindmarsh of the BS Free MD are passionate about discussing ALL aspects of Medicine- physical, mental, emotional and spiritual! They love cutting through all the BS out there to help their patients AND also challenging fellow physicians on what they are doing in healthcare. More importantly they believe that the doctor/patient dialogue does not need to be complicated or filled with frustrating communication gaps where patients are lost. They like to keep it fun and relatable so that patients understand all aspects of their healthcare.   Drs. Tim and May Hindmarsh are a dual physician couple who have a blast doing life together. They are both Board Certified Family Practice Physicians who were born, raised, and trained in Canada and migrated to the wonderful world of the USA in 1994. Both  currently practice Urgent Care and can be spotted living their best lives.  They can be found on on Facebook, Instagram, and their podcast BS Free MD.
August 9, 2021
#12 - How Someone Can Learn the Skill of "Optimal" Parenting - Dr. Jeremy Toffle, MD (The Imperfect Dad Podcast)
Like anything, parenting is a skill. It involves physical, emotional, social, and intellectual development of a child. Much has to be weighed in upon in order to raise, whole, healthy, balanced, and successful children so that they can reach their full potential. Join us in this fascinating interview with Dr. Jeremy Toffle, MD, host and creator of the Imperfect Dad MD blog and podcast.   We explore the origins of Imperfect Dad MD, and how it has navigated through the COVID-19 pandemic. We then delve into the skill of parenting, how it is different from other types of interpersonal skills, and discuss mistakes to avoid along the way.  Dr. Jeremy Toffle, MD can be reached on social media at ImperfectDadMD and at  Like, comment, share, and subscribe to the podcast!
August 2, 2021
#11 - The Food Doctor and Impact on Health - Dr. Colin Zhu, DO
As the saying goes, Input = output. What we put into our bodies is extremely important for optimal output in every aspect of our lives. In this episode, I bring on Dr. Colin Zhu, DO (aka Chef Doc), is a physician, speaker, and entrepreneur, host of the Thrive Bites Podcast, and author of Thrive Medicine. We will discuss his path-journey, and his recent summit Thr5 - which brings on speakers and experts in food, finances, wellness, athletics, and incorporating their principles into resiliency during these extremely challenging times. Bio: Dr. Colin Zhu is Board-Certified in family practice/OMT and lifestyle medicine. Passionate about the intersection of medicine, food, and nutrition, Dr. Zhu trained as a chef and a health coach at the Natural Gourmet Institute for Health & Culinary Arts and the Institute for Integrative Nutrition following completion of his medical degree. To share his unique blend of medical knowledge with a wider audience, Dr. Zhu launched TheChefDoc website, an online wellness and lifestyle education platform which has been featured in several publications. Dr. Zhu is an international speaker, the author of "Thrive Medicine: How To Cultivate Your Desires and Elevate Your Life,“ and is the podcast host of Thrive Bites in which he interviews the latest health and wellness experts about incorporating a plant-powered lifestyle, enhancing emotional wellness, and creating a thriving mindset! His latest venture was hosting the first virtual summit experience called The THR5 Formula where he combines inspiration, education, and practical tools on how to THRIVE!   Dr. Colin Zhu's website, podcast, and contact can be found at His book - Thrive Medicine: How To Cultivate Your Desires and Elevate Your Life - can be found here -
July 26, 2021
#10 - What's It Like to Live as a Digital Nomad with Dr. Chelsea Turgeon, MD
Digital nomadism is a term that is commonly referred to where one lives, works, and travels in any location of the world. Digital nomads frequently have run their online businesses through a laptop, smart phone, and internet connection. Additionally, they embody the four types of freedom, namely financial, time, location, and emotional freedom. In this episode, we bring on the show, Dr. Chelsea Turgeon, a former OB-GYN who left her medical career during residency to travel the world and work remotely as a digital nomad. She now works as a career coach helping burnt out healthcare workers pivot out of clinical medicine. Using her signature method The Career Fulfillment Formula, she helps her clients find a financially stable career they truly enjoy. In this episode, we discuss the importance of listening to your intuition, taking the straight pre-determined versus taking a leap of faith, her recent book launch, "Residency Dropout", and further resources to help you become a digital nomad, or build an online business. Show notes and resources: 1."Residency Drop Out"  2. Dr. Chelsea Turgeon's website 3. "The 4-Hour Work Week" - Tim Ferriss 4.Chelsea Turgeon's contact -
July 19, 2021
#09 - Professional Burnout: Symptoms, Causes, and Cures with Dr. Sharon Grossman
Professional burnout is occurring more frequently at an alarming rate in our society today. It is becoming more prevalent in the professions of medicine, law, and business. In this episode, we bring on Dr. Sharon Grossman based out of Silicon Valley, who is a professional career coach specializing in helping successful professionals recover from burnout. We discuss the epidemic of burnout, symptoms, causes, and cures, and what to do about it. You will also hear from our show sponsor Advice Media - Bio: Dr. Sharon Grossman is a qualified Success Coach, Clinical Psychologist, author, speaker, wife and mother of two. For the past two decades, Dr. Grossman has worked on improving the health and well-being of high achievers who so often sacrifice their self-care as a result of work demands and get caught up with everyone else’s expectations that they end up burning out at alarming rates. Dr. Sharon Grossman is the author of The 7E Solution to Burnout and is an Emotional Intelligence expert. She holds a doctorate degree in Psychology, has extensive training in Cognitive Behavioral Therapy (CBT), and 20 years of experience helping her clients take back control of their lives. Show links 1. Free webinar -  2.  3. Dr. Sharon Grossman's book - The 7E Solution to Burnout - Like, comment, share, and subscribe to the podcast and get notified of future weekly episodes!
July 12, 2021
#08 - How to Create an Awesome Podcast and Make a Significant Impact with Your Spouse (Drs. Tim and May of BSFree MD)
Join us in this collaborative interview with Drs. Tim and May of the BSFree MD where we discuss side hustles, multiple streams of income, and the opportunities and challenges afforded through podcasting. This was a fun and great interview. Drs. Tim and May Hindmarsh of the BSFree MD are passionate about discussing ALL aspects of Medicine- physical, mental, emotional and spiritual! They love cutting through all the BS out there to help their patients AND also challenging fellow physicians on what they are doing in healthcare. More importantly they believe that the doctor/patient dialogue does not need to be complicated or filled with frustrating communication gaps where patients are lost. They like to keep it fun and relatable so that patients understand all aspects of their healthcare. Drs. Tim and May Hindmarsh are a dual physician couple who have a blast doing life together. We are both Board Certified Family Practice Physicians who were born, raised and trained in Canada and migrated to the wonderful world of the USA in 1994. Both  currently practice Urgent Care and can be spotted living their best lives. They can be found on on Facebook, Instagram, and their podcast BSFree MD. If you liked the episode, like, comment, share, and subscribe! Proud member of the Doctor Podcast Network!
July 5, 2021
#07 - Diversifying Your Income Streams as a Medical Billing and Coding Consultant
Tune in to this week's latest podcast episode where we bring on Dr. Charlotte Akor, MD and she shares her path and journey as a pediatric opthalmologist into the mysterious world of medical billing and coding through her book, and as a consultant. Bio:  Dr. Charlotte Akor (a.k.a. Dr. Charlotte) is a Board-Certified Ophthalmologist, Certified Medical Chart Auditor (CMCA-E/M), and an internationally recognized speaker and consultant. In addition, she is a sought-after expert on billing and coding and understanding the financial language of medical practice. Dr. Charlotte meets with early-career physicians and clinicians one on one and in the group setting to teach them the alphabet soup of billing and coding and how those rules apply in the practice of medicine. She also helps medical practices with chart audits so that they can stay in compliance with the extensive rules and regulations required in clinical documentation. She uses her extensive knowledge base to help clinicians and practices understand billing, coding, and collections so they can continue to serve their patients. As the Founder and Chief Medical Officer of Dr. Charlotte- Billing, Coding, and Auditing Services she discusses real-world strategies for physicians to understand the rules of billing and coding so clinicians can get reimbursed for the care they provide. Dr. Charlotte also shares her medical billing and coding expertise in her book, Medical Coding Decoded: A Simple Guide to Understanding and Applying Codes in Your Practice. Her second book: Medical Compensation Decoded is a more comprehensive manual on how young ophthalmologists can get paid for their work. Dr. Charlotte is currently an employed physician in Abilene, Texas. Dr. Charlotte's mission in life is simple: be passionate, grow and learn and have fun. Dr. Charlotte helps physicians understand the RVU system, how to document appropriately for the level of service, how to use telemedicine codes, and how to maximize reimbursement from procedures and tests, and how to survive a medical audit. Dr. Charlotte earned her undergraduate degree from Yale College. She earned her medical degree from West Virginia University School of Medicine. She completed her ophthalmology residency at the State University of New York at Buffalo. She completed an Ocular Pathology fellowship at Emory University and a pediatric ophthalmology fellowship at the Children’s Health Care of Atlanta hospital. Her book(s), "Medical Coding Decoded: A Simple Guide to Understanding and Applying Medical Codes in Your Practice" can be found here - "Medical Compensation Decoded: A Simple Guide for New Ophthalmologists to Understand Billing, Coding, and Collections" can be found here - She can be contacted on her website If you liked the video, like, comment, share, and subscribe! Proud member of Doctor Podcast Network!
June 28, 2021
#06 - Innovating as a Med-Ed-Tech Entrepreneur with Chase DiMarco
Want to know what it's like to be an innovator and creator in the medical education and technology space? In this week's podcast interview series, we bring on Chase DiMarco, who is currently an MD-PhD student is a podcaster, author, public speaker, and creator. He has started a number of online companies and podcasting channels in the medical education space, harnessing technology allowing one to rapidly, efficiently, and effectively acquire, assimilate, integrate, and apply the vast amount of medical knowledge and information. His products and services have helped a number of medical students grasp difficult concepts, and apply them during their clinical rotations and during high-stakes USMLE test-taking situations. Hear about how he is creating the "Airbnb" and "Khan Academy" for medical education and clinical rotations through his online startups. Chase holds an MS, MBA-HA, and is an MD-PhD candidate. He is a medical education podcaster, author, speaker, and most recently founded FindARotation which connects students to preceptors in a variety of clinical settings. He has authored "Read This Before Medical School: How to Study Smarter and Live Better While Excelling in Class and on your USMLE or COMLEX Board Exams" - He can be contacted on social media @chasedimarco Proud member of Doctor Podcast Network!
June 21, 2021
#05 - Life as a Physician Artist with Dr. Susie Sharpe, MD
In this latest episode, we sit down and talk with Dr. Susie Sharpe, MD about what it is like to be a physician artist. We discuss her upbringing, cultural influences, and love of art, as well as show examples of her beautiful works of art. We discuss building a solid education and training to achieve a stable income, the difference between right and left brain, creativity, to venturing out and selling her art internationally in Milan, Paris, London, and other top key locations. Bio: Dr. Susie Sharpe, was born and raised in  Korea. She immigrated to the US at age 16. She then received her BA from Wesleyan University (Chemistry) and then went to receive her MD from Yale Medical School. Dr. Susie Sharpe did her internship/ residency at Yale New-Haven Hospitals, is board certified in internal medicine, and has practiced internal medicine for 26 years to present. She has received numerous art awards and her works of art have been featured in both solo and group exhibits. For 2021, she plans to showcase her artwork in Milan, Paris, Luxembourg, Brussels in addition to two shows in New York and is currently working on her memoir which chronicles her life's incredible journey thus far. Links to 2 recent articles about my journey as a physician-artist: 1. Medium - 2. Thrive Global - Dr. Susie Sharpe can be reached at: 1. 2. 3. Proud member of Doctor Podcast Network!
June 14, 2021
#04 - What is a Lifestyle-Medicine Physician with Dr. Jonar de Guzman, MD
Stress, diet, heart disease, diabetes, hypertension, depression, burnout are all signs and symptoms of a lifestyle gone awry. Dr. Jonar de Guzman, M.D., a board-certified physician in Internal Medicine with Lifestyle Medicine certification, currently practices as a Hospitalist in Los Angeles, California.  Dr. Jonar helps patients make drastic life changes toward healthy living and is a frequent speaker on Lifestyle Medicine, a relatively new field that focuses on evidence-based lifestyle approaches to treat, prevent and potentially reverse chronic disease.  As a doctor caring for sick hospitalized patients during this pandemic, he became inspired to promote healthier living to a wider audience and launched a podcast called the Glass Half Healthy.  Dr. Jonar hopes to use his voice to challenge the way people think about health and inspire them to lead happier thriving lives. In his free time, Dr. Jonar is a long-time avid meditator, running aficionado, and enthusiastic advocate for plant-based nutrition. He earned his B.A. in Politics and Economics from New York University and his M.D. from Georgetown University School of Medicine. Host of the podcast, "The Glass Half Healthy," Dr. Jonar talks about his upbringing, how it brought him to medicine, his journey into Eastern philosophy, meditation, and how he incorporates lifestyle medicine into his busy clinical practice for his patients, his family, and himself. Resources, and links to resources mentioned in the show: 1. Dr. Jonar's website - 2. The Glass Half Healthy Podcast - 3. How Not to Die - 4. Instagram - 5. Facebook 6. Linkedin 7. Twitter Proud member of Doctor Podcast Network!
June 7, 2021
#03 - Life as a Ayurvedic Medicinal Healer with Dr. Siri Chand Khalsa, MD
Dr. Siri Chand Khalsa is trained in traditional allopathic medicine following the path of many prestigious institutions (University of Virginia, Mayo Clinic). In this episode, we discuss the state of the current US healthcare system and that it is not healthcare, it is sick care. The system as we know it is rewarded by doing more procedures and diagnostic tests. We discuss the for-profit insurance system. We discuss the effect of the Western diet and lifestyle - and how that has contributed to the chronic epidemic of obesity, inflammation, cancer, diabetes, heart disease, stress, burnout, and mental illness. Some interesting show points: 1. We become emotionally tied to our personas and must allow for a grieving process to occur when we separate from that which does not serve our higher purpose anymore. 2. We discuss the financial impact of a sudden career change, and how financial literacy, and developing multiple streams of passive income early on can help mitigate that sudden stressor. 3. Freedom comes from simplicity. Other resources: Dr. Siri Chand's book - Website: Social Media Facebook: Instagram: Pinterest: Twitter: Youtube:  LinkedIn: A proud member of Doctor Podcast Network!
May 31, 2021
#02 - Using the Enneagram For Physician Coaching with Dr. Francis Yoo
Dr. Francis Yoo is a born-and-raised New Yorker. After years of wearing many hats in corporate clinical medicine and collecting board certifications, he realized that he was lacking meaning and fulfillment in his life. He chose to pursue his authentic life. Besides having a cash-pay, holistic-integrative private practice where he sees patients part-time, he helps physicians do soul-searching so that they can manifest meaning in their lives for wellness, wholeness, and fulfillment. He is a Certified MBTI Practitioner and certified Enneagram Teacher, and uses these approaches along with Existential Philosophy and Eastern Perspectives to help physicians truly know themselves and live with meaning in their work, relationships, and more. He enjoys noodling around with the electric guitar, eating good sushi, watching Japanese anime and playing video games, then drawing out and sharing the profound philosophical, psychological, and personal development lessons he gleans from them. He is the author of two books, “Physician Freedom: Living Your Authentic Physician Life” and “COVID contemplations for self-awareness and personal development.” His website is His two books can be found here: 1. COVID contemplations - 2. Physician Freedom - Connect with me beyond the podcast here: A Proud Member of Doctor Podcast Network!
May 24, 2021
#01 - Aligning with Your Why: A Quick Backstory on the Podcast
If the 2020 pandemic can be anything… allow it to be your wake-up call. The state of our system is not well. This is why I spend a lot of time focusing on helping physicians become more financially literate so they can gain clarity between wealthy and rich, invest smartly, explore different ways to diversify their income streams, and much more. Join me as I discuss how you can become a smarter physician entrepreneur by leaning on smart financial decisions. Welcome to the Financial Freedom for Physicians Podcast. Connect with me here: Proud Member of Doctor Podcast Network!
May 24, 2021
#00 - Why We're Here
Financial Freedom for Physicians is a podcast created by a physician who knows where you are on your financial journey. Having spent decades "perfecting" the path toward a successful medical career AND developing a mind for financial literacy, my sole purpose is to help physicians come along for the ride.  Please subscribe and download future episodes to ride this usually turbulent venture we call financial freedom.  Proud member of Doctor Podcast Network!
May 20, 2021