Independent education
Understand your financial picture through clear explanations and decision coaching, without financial product sales or commissions.
Personal CFO for healthcare professionals
Financial clarity
beyond the shift.
You spend your career caring for others. We help you bring the same level of care and intention to your financial life.
Scrubbed Money provides practical financial coaching, cash-flow organization, and personalized financial systems designed around the realities of working in healthcare.
“You care for others. We help you care for your finances.”
Carlos Marbot, MBA, MPHFounder · Financial Coach · Personal CFO
Your full picturePay, benefits, debt, and goals
No product salesIndependent coaching, no commissions
Built around youYour career, family, and priorities
Our approach
Financial guidance without the sales pitch.
Practical systems
Bring cash flow, accounts, debt, and goals into straightforward tools and routines that fit the realities of your healthcare career.
Ongoing clarity
Build better habits with regular check-ins and accountability that adapt as your career, household, and priorities change.
How I help
Your financial life.
Finally connected.
Personal CFO support is our flagship service, complemented by one-on-one financial coaching and education for healthcare professionals.
Personal CFO
Your financial life. Organized.
Personalized financial organization and accountability for the moving parts of your life. Bring household cash flow, budgeting, bills, accounts, savings goals, and debt into a clear system, with financial dashboards and regular check-ins to help you follow through.
Financial coaching
Better decisions start with clarity.
One-on-one coaching to understand your financial picture and build effective habits. Work through budgeting, saving, debt management education, employee benefits, goal setting, and major life transitions with practical systems and accountability.
Financial education
Build financial confidence.
Straightforward education on healthcare compensation, variable shift income, overtime and differential pay, emergency reserves, retirement account basics, and student loan obligations. Build useful habits from your first role through your next career chapter.
How it works
Structure for today.
Momentum for tomorrow.
Understand
We begin with your healthcare career, family life, finances, and what you want to make possible.
Organize
We bring compensation, benefits, accounts, obligations, goals, and open questions into one clear picture.
Prioritize
We create a realistic sequence of decisions and next actions that respects your time and capacity.
Stay on track
Regular coaching supports better habits and long-term financial independence as your role, income, and priorities change.
From the desk
Perspective for
the long view.
Plain-English financial education and market context for healthcare professionals who have little time for noise.
Weekly brief
Inflation sent mixed signals—and healthcare showed why
What mixed inflation signals mean for healthcare careers, household planning, and the questions worth asking before the Fed meets.
Read brief →Weekly brief
Slower growth, firm inflation, and an accelerating AI buildout
A concise reading of the week through the lens of patience, diversification, and long-term goals.
Read brief →Weekly brief
A hawkish Fed, a landmark IPO, and patient perspective
A concise reading of the week through the lens of patience, diversification, and long-term goals.
Read brief →Content is provided for general education only and is not individualized investment, tax, legal, or accounting advice.
Free resources
Prepare for
your next chapter.
Practical tools to organize your financial picture and prepare for a more focused planning conversation.
Retirement planning · PDF · 3 pages
Retirement planning checklist
Clarify your retirement priorities, review your income and health care needs, and choose your next three steps. Use this printable checklist at any stage of your retirement journey.
Download checklistFree download. No email required.
For general education only; not individualized investment, tax, or legal advice.
Who we serve
Built for the people
who care for others.
For registered nurses, nurse practitioners, CRNAs, physician assistants, physicians, and professionals across allied health and healthcare leadership. Your financial systems should fit your career and the life beyond it.
Compensation that varies
Organize household cash flow around changing schedules, overtime, shift differentials, and multiple sources of income.
Careers that evolve
Make room for student loan obligations, additional education, career advancement, and transitions between roles.
Decisions that compete
Understand retirement and benefit options while managing household finances alongside a demanding schedule.
Greenville, South CarolinaCarlos Marbot · Founder
Financial expertise.
A healthcare perspective.
Scrubbed Money was created around a simple belief: healthcare professionals deserve clear, practical financial guidance without sales pressure or unnecessary complexity.
Our approach combines professional experience in accounting, finance, and financial services with firsthand familiarity with healthcare. My background in accounting and controller roles, graduate education, and nursing education helps me connect financial details to everyday life.
We focus on helping individuals and families establish better financial systems, understand their financial picture, and make informed decisions with confidence. The work centers on education, organization, and accountability.
Carlos Marbot, MBA, MPH Founder · Financial Coach · Personal CFO
Straight answers
Questions worth
asking upfront.
A Personal CFO helps you see and manage your complete financial picture. For a healthcare professional, that can include organizing compensation and benefits, clarifying cash flow and debt, preparing for career or family decisions, coordinating priorities, and keeping progress on track.
Scrubbed Money focuses on financial education, cash-flow organization, practical habits, and accountability. We do not manage investments, provide individualized securities recommendations, execute transactions, or sell financial products. We help you understand your financial picture and prepare questions for qualified professionals when needed.
Healthcare professionals and their families who want more organization, clearer priorities, and an accountable partner to help connect the financial pieces of a demanding career and full life.
Not at all. We begin with what you have, identify what is missing or unfinished, and create a manageable path forward—without expecting you to arrive with a perfect financial system.
We talk about your career stage, what prompted you to reach out, where your financial life feels unclear or unfinished, and whether coaching is the right kind of support for you.
Begin here
Your work is complex.
Your finances can be clearer.
Start with a focused, no-pressure conversation about your healthcare career, the financial questions competing for attention, and whether Personal CFO coaching is the right fit.
Start a Conversation ↗