Veterinary Financial Podcast

Are you working relief shifts as a self-employed vet—or thinking about it? In this Q&A episode, I answer some of the most common questions that came up when I recently asked the Debt-Free Vets Facebook group: “Self-employed relief vets—what financial questions do you have?” From choosing the right business structure to navigating taxes, retirement savings, and health insurance, we cover the essentials (and the often-overlooked details) that can make or break your financial confidence as a relief vet.Key topics:Do you need an LLC or PLLC to do relief work?Why getting an EIN can protect your privacyHow to separate business and personal finances (and why it matters)Pros and cons of a Solo 401(k) vs. SEP IRANavigating quarterly taxesCommon tax write-offs for relief vetsMentioned in this episode:Contact Meredith: meredith@allvetfinancial.comDebt-Free Vets Facebook GroupEpisode 59: Perfectionist Traps That Are Costing You MoneyLike the show? There are several ways you can help!Follow on Apple Podcasts, Spotify or Amazon MusicLeave an honest review on Apple Podcasts

Student loans are still in a state of chaos, and Meredith Jones, DVM, CSLP®, AFC® is here to help you make sense of it all. From court rulings to sweeping legislative proposals, borrowers are facing a confusing and rapidly evolving landscape. Whether you're pursuing forgiveness, considering switching repayment plans, or just trying to keep your head above water, this episode helps you understand what's happening now, what could be coming, and what actions (if any) veterinarians and vet students should take.Key topics:The status of the SAVE plan and what borrowers should consider if switching to IBR
What's actually in the House reconciliation bill—aka the One Big Beautiful Bill Act
How the proposed RAP plan could impact veterinarians specifically
What changes might be coming to PSLF, Grad PLUS, and borrowing limits for future vet students
Why panicking (or refinancing) is not the move right now
One overlooked benefit in the bill that could help borrowers long termLinks mentioned in this episode:Debt-Free Vets Facebook GroupAdam Minsky – Student Loan Updates on ForbesLike the show? There are several ways you can help!Follow on Apple Podcasts, Spotify or Amazon MusicLeave an honest review on Apple Podcasts

A lot of well-meaning advice says to put money into a Traditional IRA to lower your tax bill. But for most veterinarians, that move can backfire. We've seen it again and again: smart, hardworking vets unknowingly setting themselves up for a bigger tax hit down the road. We're breaking down why that happens, who should be using Traditional IRAs, and where your money might be better off instead. It's not about scaring you off IRAs completely, it's about showing you how to make smarter, more tax-efficient choices.Key moments:(03:47) Traditional IRA income limits are lower than you think, and many vets can't get the tax deduction(10:43) Smarter places to put your money if a Traditional IRA isn't the right fit(12:02) Backdoor Roths get messy if you've already contributed to a Traditional IRA(17:41) Locking up your money with no tax benefit can hurt you more than help long-termLike the show? There are several ways you can help!Follow on Apple Podcasts, Spotify or Amazon MusicLeave an honest review on Apple Podcasts

Student loan benefits at work sound great on paper, but understanding the details requires asking the right questions. The tax-free $5,250 benefit established under the American Rescue Plan Act sunsets after 2025, which changes the long-term value proposition. We're breaking down crucial questions to ask: Does this payment count toward forgiveness program requirements? What about private loans? We'll also discuss that eye-catching $60k benefit being marketed to vet students by a major hospital group and explore alternatives worth considering during negotiations.Key moments:(04:20) Tax-free student loan benefits expire after 2025 (and it could cost you money)(10:34) Directly negotiating a higher salary may be better than complex student loan benefits(12:55) Benefits paid across several years assume longer employment than a vet may maintain with that employer(15:05) Employer loan benefits don't always reduce monthly payments(18:01) Career path alignment matters more than student loan benefit packagesLink mentioned in this episode:Employer Student Loan Repayment Benefit: Amazing for Some, Unhelpful for MostLike the show? There are several ways you can help!Follow on Apple Podcasts, Spotify or Amazon MusicLeave an honest review on Apple Podcasts

Ever noticed how veterinarians give each other the most conflicting financial advice? We've spotted some truly head-scratching tips being shared across vet med forums and Facebook groups. We're breaking down some popular but problematic mantras like "everyone should pay off their loans ASAP" or "always choose a Roth 401(k)” and tackling the biggest misunderstandings around tax filing status and production pay. Your finances deserve the same nuanced approach you give your patients — let's talk about finding YOUR path to financial success, not someone else's oversimplified version of it.Key moments:(04:06) The Roth 401(k) debate — what's right depends on your individual financial situation(10:49) Marriage tax filing status should reflect your student loan repayment strategy(17:11) Are your production bonuses really taxed more? The truth behind the withholding(21:03) The math proves it: bigger paychecks win even with income-driven repaymentLink mentioned in this episode:2025 AVMA Economic State of the Profession ReportDVMs deserve financial experts who speak their language. Book a free intro call today. Just browsing? Learn more about us at SLP Wealth.Like the show? There are several ways you can help!Follow on Apple Podcasts, Spotify or Amazon MusicLeave an honest review on Apple Podcasts

When a San Diego couple found a mortgage lender advertising a lower interest rate than competitors, they thought they'd made a smart financial decision — until just before closing day and a sudden ultimatum nearly cost them their dream home. We're unpacking what went wrong and sharing what questions to ask, red flags to watch for, and strategies to balance competitive rates with quality service. For vets, this is the straight talk on what actually matters when you're making probably the biggest purchase of your life.Key moments:(02:28) Working with several lenders is normal during the home-buying process(08:06) Surprise revelation(14:36) How veterinarians can avoid mortgage lending pitfalls when buying homes(18:25) Interview multiple loan officers, but remember that the lowest rate isn't always the best deal(21:42) The realtor matters more than their company — prioritize individual fit over agency nameDVMs deserve financial experts who speak their language. Book a free intro call today. Just browsing? Learn more about us at SLP Wealth.Like the show? There are several ways you can help!Follow on Apple Podcasts, Spotify or Amazon MusicLeave an honest review on Apple Podcasts

Your perfectionist mindset (the one that makes you an amazing doctor) might not be doing your finances any favors. Here's what we mean: You're making countless decisions every single day — from complex medical calls to juggling client conversations to managing your packed schedule. By the time you get to your finances, your brain is fried. So you either overthink everything or just avoid money decisions completely. Learn how perfectionism can show up in your financial life and explore practical strategies to make financial decisions when you're already dealing with decision fatigue.Key moments:(04:41) Overcoming analysis paralysis with the “dart method”(07:09) Set up your 401(k) now — the “worst” investment choice beats waiting for the perfect option later(11:01) Perfectionism about investing for your student loan tax bomb is actually costing you thousands(14:39) You're smart enough to do anything, but that doesn't mean you should do everything yourself(17:08) The one mindset shift that will dramatically improve your finances as a veterinarianDVMs deserve financial experts who speak their language. Book a free intro call today. Just browsing? Learn more about us at SLP Wealth.Like the show? There are several ways you can help!Follow on Apple Podcasts, Spotify or Amazon MusicLeave an honest review on Apple Podcasts

Veterinarians are no strangers to financial stress, especially when it comes to student loans. But what happens when those forgiven loans turn into a massive tax bill? Discover what you need to know about the looming tax bomb with student loan forgiveness and how to avoid the costly mistakes vets make when trying to save for it.Key moments:(03:20) Using retirement accounts for the tax bomb isn't the best idea(04:36) The Roth IRA's “break glass” option lets you withdraw contributions penalty-free, but there's a catch(09:27) Declaring insolvency as a last resort (17:48) How much should you actually save for the tax bomb?DVMs deserve financial experts who speak their language. Book a free intro call today. Just browsing? Learn more about us at SLP Wealth.Like the show? There are several ways you can help!Follow on Apple Podcasts, Spotify or Amazon MusicLeave an honest review on Apple Podcasts

Recent court rulings and policy shifts have created confusion, leaving borrowers wondering what to do next. Should you stay on SAVE, switch plans, or wait it out? We break down what's happening, why PAYE and ICR are back in the spotlight, and whether sticking with SAVE or switching plans is the smarter strategy. We'll also cover key financial factors that could affect your repayment plan, like credit card debt, maternity leave, and tax filing choices. If you're unsure what this means for you, tune in for insights and next steps to keep your student loan strategy on track.Key moments:(03:38) When sticking with SAVE is the smartest financial move(06:19) Ditching SAVE could fast-track PSLF loan forgiveness(10:24) Your tax filing status could be the key to lowering your student loan payments(16:09) If you borrowed federal loans between October 2007 and July 2014, PAYE might be a golden opportunityDVMs deserve financial experts who speak their language. Book a free intro call today. Just browsing? Learn more about us at SLP Wealth.Like the show? There are several ways you can help!Follow on Apple Podcasts, Spotify or Amazon MusicLeave an honest review on Apple Podcasts

Veterinarian pay structures can be surprisingly complex — and sometimes, just plain weird. We're breaking down the most common ways vets get paid, the misconceptions many have about their own compensation, and the hidden pitfalls in different pay structures. Learn about ProSal, production-based pay, and other models and how each impacts your income. If you're navigating a new contract or trying to make sense of your paycheck, this conversation will give you fresh insights and might even help you earn more.Key moments:(02:05) The three ways vets get paid, and why ProSal isn't as straightforward as it seems(09:48) Vet pay structures leave plenty of room for errors (and lost income)(14:26) Salary plus production sounds stable until you realize you're actually working on commission(22:01) Emergency vets: Shift pay makes compensation even more complicatedLinks mentioned in this episode:A Prescription for ChangeDVMs deserve financial experts who speak their language. Book a free intro call today. Just browsing? Learn more about us at SLP Wealth.Like the show? There are several ways you can help!Follow on Apple Podcasts, Spotify or Amazon MusicLeave an honest review on Apple Podcasts

Sign-on bonuses are more common than ever in veterinary medicine, but not every use of that bonus sets you up for financial success. We're breaking down the top three mistakes we see veterinarians make with their sign-on bonuses, how to avoid them, and what to do instead.Key moments:(05:07) Don't use your sign-on bonus to pay student loans if you're going for forgiveness — it's wasted money(05:56) Using your bonus for a more expensive car can jeopardize your ability to buy the right home(08:29) Avoid “YOLO investing” in trends like crypto or single stocks(11:29) Sign-on bonuses can come with strings, here's how to handle the money to avoid feeling stuck in your job(16:17) Use this checklist to turn your sign-on bonus into a fast track to wealthDVMs deserve financial experts who speak their language. Book a free intro call today. Just browsing? Learn more about us at SLP Wealth.Like the show? There are several ways you can help!Follow on Apple Podcasts, Spotify or Amazon MusicLeave an honest review on Apple Podcasts

Non-compete agreements are creating waves in the veterinary profession, thanks to the FTC's recent ruling. Financial planner Sim Terwilliger, CFP®, CSLP®, joins us to discuss how these agreements shape your career, why the AVMA is weighing in, and what the potential ban on non-competes could mean for veterinarians everywhere. You'll learn which states have already banned non-competes, what alternatives employers might use, and how veterinarians can advocate for contracts that work in their favor.Key moments:(01:14) What's inside a typical non-compete agreement for veterinarians(06:16) How the AVMA is responding to the FTC's recent ruling on non-competes(08:33) A firsthand look at how non-competes limit career options(15:32) States that have banned non-compete agreements — and what it means for vets(16:38) Practical ways veterinarians can advocate against restrictive contractsLink mentioned in this episode:FTC Announces Rule Banning NoncompetesDVMs deserve financial experts who speak their language. Book a free intro call today. Just browsing? Learn more about us at SLP Wealth.Like the show? There are several ways you can help!Follow on Apple Podcasts, Spotify or Amazon MusicLeave an honest review on Apple Podcasts

Veterinarians take on jaw-dropping levels of student debt, often pay longer than other professions, and face repayment rules that seem anything but fair. Travis Hornsby, founder and CEO of Student Loan Planner and SLP Wealth, joins us in unpacking why veterinarians are often left with the short end of the stick under current student loan rules. He shares how he uncovered this systemic issue and the viral article that started a conversation in the vet world. If you've ever felt frustrated by student loans or wondered how to navigate them as a vet, this episode gives you actionable insights and a dose of real talk about what's broken — and what vets can do to get their own loans on track.Key moments:(04:19) Limited lobbying power leaves veterinary medicine at a disadvantage compared to human health care when it comes to student loans(10:50) Pandemic pet adoptions and retirements have boosted salaries in veterinary medicine(15:27) New vet schools could flood the labor market, potentially driving incomes down due to increased competition(20:29) Pet owners are treating animals more like family, increasing demand for high-quality careLinks mentioned in this episode:Veterinarians Are Treated Horribly Under Student Loan RulesDVMs deserve financial experts who speak their language. Book a free intro call today. Just browsing? Learn more about us at SLP Wealth.Like the show? There are several ways you can help!Follow on Apple Podcasts, Spotify or Amazon MusicLeave an honest review on Apple Podcasts

New grad veterinarians are clocking in far more hours than they expected — 5 extra hours a week, to be exact. It may not sound like much, but it adds up to six full weeks of additional work. That's six weeks of your year gone. Financial planners Meredith Jones, DVM, CSLP®, AFC®, and David Aizuss, CSLP®, unpack surprising findings from the AVMA Business and Economic Forum and explore what's driving the gap between expectations and reality. They dig into the data, break down the post-pandemic shifts shaping the industry, and ask the big questions about what it means for the future of veterinary medicine. Key moments:(03:27) The 40-hour workweek doesn't line up with today's veterinary realities(06:45) Burnout isn't new, but it's evolved for vets since 2019(13:05) A bold take on why most vets can say “yes” to working less(18:49) Systemic solutions we're seeing that could reshape veterinary medicineLinks mentioned in this episode:AVMA Veterinary Business and Economic Forum2024 AVMA Economic State of the Profession

Roth IRAs are powerful tools, but they can be tricky to navigate. Financial planners Meredith Jones, DVM, CSLP®, AFC®, and David Aizuss, CSLP®, share the top mistakes they've seen veterinarians make when it comes to Roth IRAs. From earning limits to backdoor Roths and knowing when a Roth IRA isn't the best fit, you'll get clear, practical advice to feel confident about your financial future.Key moments:03:31 Roth IRA earning limits and how they impact your ability to contribute11:21 The biggest mistake vets need to avoid with backdoor Roth IRAs16:04 The downsides of contributing post-tax money to a traditional IRA23:30 Filing taxes as married filing separately can block Roth IRA eligibility28:28 Situations where a Roth IRA isn't the best fit and better alternatives to considerDVMs deserve financial experts who speak their language. Book a free intro call today. Just browsing? Learn more about us at SLP Wealth.Like the show? There are several ways you can help!Follow on Apple Podcasts, Spotify or Amazon MusicLeave an honest review on Apple Podcasts

Curious about the top investing questions veterinarians are asking? We turned to the Debt Free Vets Facebook group to find out what's on their minds. From saving for retirement without an employer plan to tackling the student loan tax bomb, these are the biggest concerns vets are discussing. Financial planners Meredith Jones, DVM, CSLP®, AFC®, and David Aizuss, CSLP®, break it down with clear answers and actionable advice.Key moments:[01:35] What to know about saving for retirement without an employer plan[05:15] Smart strategies to invest and prepare for the student loan tax bomb[13:50] Deciding between pretax and Roth contributions for your financial goals[17:49] How to approach bonds in your portfolio if retirement is still far away[24:19] Retiring without maxing out your accounts is possible, but if you do, here's what comes nextDVMs deserve financial experts who speak their language. Book a free intro call today. Just browsing? Learn more about us at SLP Wealth.Like the show? There are several ways you can help!Follow on Apple Podcasts, Spotify or Amazon MusicLeave an honest review on Apple Podcasts

Tired of financial advice that doesn't account for ProSal, production bonuses, or your mountain of student debt? Financial planners Meredith Jones, DVM, CSLP®, AFC®, and David Aizuss, CSLP®, reveal insider strategies that have helped over 200 veterinarians build wealth. You deserve more than one-size-fits-all financial advice — discover how to fast-track your path to financial success with strategies made for DVMs. Key moments:07:05 Fluctuating income? How to make the most of every paycheck10:04 Plan ahead for career transitions with a solid financial game plan14:13 Vet med career paths, from practice ownership to exploring new directions14:53 DVM mortgage vs. a conventional loan, plus strategies to save more on taxesDVMs deserve financial experts who speak their language. Book a free intro call today. Just browsing? Learn more about us at SLP Wealth.Like the show? There are several ways you can help!Follow on Apple Podcasts, Spotify or Amazon MusicLeave an honest review on Apple Podcasts

We welcomed David Aizuss back to the podcast with a special announcement about the future of the Veterinary Financial Podcast. Willie talks about the projects he's been working on with his non-profit and pursuing practice ownership. We also discussed financial freedom for veterinarians, working with financial planners, and student loans. A transition with the Veterinary Financial PodcastWhat projects has Willie been busy with?Why did David choose to work with veterinarians?What is it like working with Student Loan Planner?Why is it important to work with a financial planner who understands student loans?What is one of the biggest concerns for vets who first start working with a financial planner?Get $100 off your consultation with Student Loan Planner: https://bit.ly/4eH4SUwWays to connect with Veterinary Financial Summit: https://VetFinancialSummit.comInstagram: @vetfinancialsummitWillie's Instagram: @williebFacebook: https://www.facebook.com/VetFinancialSummitLinkedIn: https://www.linkedin.com/company/vetfinancialsummitEmail: Leadership@VetFinancialSummit.comMeredith: meredith@slpwealth.comDavid: david@slpwealth.com

We asked Chris Kelly, Managing Partner for Antelligence and Editor-in-Chief for Veterinary Advantage Magazine about trends in veterinary practices over the last few years, the Fountain Report, pet ownership trends, and the future of veterinary medicine.- What trends has Chris seen in veterinary medicine over the last few years?- What is the focus of the Veterinary Advantage Magazine?- What is the Fountain Report?- What are the most recent pet ownership trends?- How do these trends impact independent practices and how can they compete with corporate groups?- What does the future have in store for veterinary medicine?Download the Veterinary Enterprise Practice Report: https://epr.antelligence.comSubscribe to the Fountain Report: https://antelligence.com/the-fountain-report/Ways to connect with Chris: Email: chris.kelly@antelligence.comLinkedin: https://www.linkedin.com/in/chris-kelly-7221a2/Ways to connect with Veterinary Financial Summit: VetFinancialSummit.comInstagram: @vetfinancialsummitFacebook: https://www.facebook.com/VetFinancialSummitEmail: Leadership@VetFinancialSummit.com

We asked David Aizuss, financial planner at SLP Wealth, student loan consultant with Student Loan Planner, and mortgage loan officer, about special mortgage strategies for vets, how to plan ahead for closing, and how home-buying fits in with financial planning. - What are some special mortgage considerations and strategies for veterinarians?- What else should vets consider when home buying that's unique to the veterinary profession?- How do you plan for how much cash you will need at closing?- What is a typical down payment?- How does home-buying fit into financial planning?Work with Student Loan Planner / SLP Wealth: https://www.studentloanplanner.com/webinar-discounts/?utm_source=Debtfreevets&utm_medium=FbWays to connect with David:Email: david@slpwealth.comLinkedIn: https://www.linkedin.com/in/david-aizuss-912bb9113/Ways to connect with Veterinary Financial Summit: https://VetFinancialSummit.comInstagram: @vetfinancialsummitFacebook: https://www.facebook.com/VetFinancialSummitLinkedIn: https://www.linkedin.com/company/vetfinancialsummitEmail: Leadership@VetFinancialSummit.com

We asked David Aizuss, financial planner at SLP Wealth, student loan consultant with Student Loan Planner, and mortgage loan officer, about how to set yourself up for success when buying a home, how to find a good mortgage loan, and some pitfalls to watch out for.- Why did David switch to financial planning and decide to work with veterinarians?- How do you set yourself up for success when buying a home?- How do you find a good mortgage loan?- What is pre-approval and what are some of the pitfalls to watch out for?- How is debt-to-income considered when buying a home?Work with Student Loan Planner / SLP Wealth: https://www.studentloanplanner.com/webinar-discounts/?utm_source=Debtfreevets&utm_medium=FbWays to connect with David:Email: david@slpwealth.comLinkedIn: https://www.linkedin.com/in/david-aizuss-912bb9113/Ways to connect with Veterinary Financial Summit: https://VetFinancialSummit.comInstagram: @vetfinancialsummitFacebook: https://www.facebook.com/VetFinancialSummitLinkedIn: https://www.linkedin.com/company/vetfinancialsummitEmail: Leadership@VetFinancialSummit.com

In this episode, we discuss budgeting in-depth. We discuss why creating a cash flow plan is important, share budgeting resources, and talk about discovering what is important to you to determine where your money is best spent.- Why is it important to budget?- What are some apps that can help with budgeting?- What are our best tips for creating a budget and sticking to it?- How do you pick up on trends in your budget to plan for the future?- What are some tips for reducing expenses and increasing income?Ways to connect with Veterinary Financial Summit: VetFinancialSummit.comInstagram: @vetfinancialsummitFacebook: https://www.facebook.com/VetFinancialSummitEmail: Leadership@VetFinancialSummit.com

In this episode, we discuss the many financial resources that are out there for veterinary professionals. We share our favorite resources on personal finance and business ownership with books, blogs, podcasts, helpful calculators, courses, and more.- Our favorite podcasts on financial topics for vets- Resources on Student Loans- Compensation resources- Veterinary business resources- House call vet resources- Courses, books, and blogsMentioned in this episode:Cody Creelman's business plan:docs.google.com/document/d/1h90hz8GZLEWm1hmnxRHIMBzrqcPLHh2nJeX8NT9v-5c/editVFS Courses: https://vetfinancialsummit.thinkific.com/VFS Blog: https://vetfinancialsummit.com/blog/Ways to connect with Veterinary Financial Summit: VetFinancialSummit.comInstagram: @vetfinancialsummitFacebook: https://www.facebook.com/VetFinancialSummitEmail: Leadership@VetFinancialSummit.com

We asked Sebastian Gabor, Co-Founder of Digitail, about using Artificial Intelligence in veterinary medicine, the accuracy of AI, concerns about using AI, and how to use AI to benefit your practice's finances.- How does AI help with record-keeping and administrative tasks?- How common is it for veterinary practices to use AI?- What are the issues with the reliability and accuracy of AI systems?- What are some other concerns about using AI in vet med?- How can AI help your practice finances?Ways to Connect with Sebastian:Linkedin: https://www.linkedin.com/in/sebastiangabor/Website: https://digitail.com/Download “AI in Veterinary Medicine: The Next Paradigm Shift” study: https://links.digitail.com/ai_vet_med_study Ways to connect with Veterinary Financial Summit: VetFinancialSummit.comInstagram: @vetfinancialsummitFacebook: https://www.facebook.com/VetFinancialSummitEmail: Leadership@VetFinancialSummit.com

We published a blog recently by Dr. Phil Zeltzman (co-founder of VFS) called What Financial Advice Would You Give Your Younger Self? He interviewed some of the best minds in veterinary medicine about what advice they would have given themselves, knowing what they know now. In this episode, we expand on some of the takeaways from that blog.- Tips for saving: High Yield Savings Accounts, Emergency Funds, and Automation- Building credit: Credit Cards, Loans, Rent- Investing: Roth IRA, 401(k) & 403(b), the “3 bucket strategy”, and Real Estate- Student loan mistakes, how to tackle them, and saving for the tax bomb- Career / Practice Ownership: Contracts, Practice Ownership as an investment- Living Fully: Intentionally saving for the future, spending on what you enjoy- Philosophy: Using CE money to learn new skills, making financial education a part of your continuing educationMentioned in this episode:Financial Advice For Your Younger Self Blog: https://vetfinancialsummit.com/what-financial-advice-would-you-give-your-younger-self/Student Loan Planner ($100 off discount link): https://bit.ly/3V4iYJaDebt-Free Vets Facebook Group: https://www.facebook.com/groups/1220774971268317Episode 32 of the Veterinary Financial Podcast: Best Practices for Job SeekersWays to connect with Veterinary Financial Summit: VetFinancialSummit.comInstagram: @vetfinancialsummitFacebook: https://www.facebook.com/VetFinancialSummitEmail: Leadership@VetFinancialSummit.com

We asked Emmitt Nantz, Co-Founder of Inventory Ally, about the factors that drive inventory costs, COGS and how to calculate them, who should manage inventory at a vet practice, and common mistakes. - What are the factors that drive inventory costs?- How can practices keep costs under control?- What are COGS and how do we calculate them?- Why shouldn't practices rely on their PIMS to manage inventory?- Who should be in charge of inventory in a small practice?- What are some common mistakes vet practices make with managing inventory?- What is Inventory Ally?- What was the experience like winning the pitch competition at the Veterinary Innovation Summit?Ways to connect with Emmitt:Website: https://inventoryally.com/Email: emmitt@inventoryally.comLinkedIn: https://www.linkedin.com/in/emmitt-nantz/Ways to connect with Veterinary Financial Summit: VetFinancialSummit.comInstagram: @vetfinancialsummitFacebook: https://www.facebook.com/VetFinancialSummitEmail: Leadership@VetFinancialSummit.com

We asked Michael Natale, a licensed veterinary technician and talent acquisition and retention manager with Veterinary Emergency Group about his interest in personal finance, advice for colleagues trying to save for retirement or buy a home, staff retention, and financial tips for support staff.- How did Michael get started in vet med and become interested in personal finance?- What would Michael say to a support staff member who feels like they can't save for retirement or buy a house?- What is Michael's role as a talent acquisition and retention manager?- What are some interesting ideas to retain staff?- Which staff are the hardest to retain in vet hospitals?- What is Michael most excited about in his current roles?- What are Michael's best financial tips for support staff?Ways to connect with Michael:Instagram: @thevetmedteacherWays to connect with Veterinary Financial Summit: VetFinancialSummit.comInstagram: @vetfinancialsummitFacebook: https://www.facebook.com/VetFinancialSummitEmail: Leadership@VetFinancialSummit.com

We asked Mary Buss, veterinarian and the VP of Veterinary Operations at Hometown Veterinary Partners, about her experience in mentorship, developing leadership skills, practice ownership opportunities, and non-traditional veterinary roles.- How has Mary's interest in leadership and mentorship evolved?- How can veterinarians become better mentors?- What should a new grad look for in a mentor?- How can veterinarians improve their leadership skills?- What are some options out there now for vets who want to be practice owners?- What is Mary's advice for vets who want to pursue a non-traditional role, but don't know where to start?Ways to connect with Mary:LinkedIn: https://www.linkedin.com/in/dr-mary-buss-5184433b/Email: marybuss@hometownvetpartners.comWays to connect with Veterinary Financial Summit: VetFinancialSummit.comInstagram: @vetfinancialsummitFacebook: https://www.facebook.com/VetFinancialSummitEmail: Leadership@VetFinancialSummit.com

We asked Jason Balara, board-certified veterinary surgeon, real estate investor, and CEO of Lark Capital Group, about getting started with real estate investing, multi-family syndication investments, financial freedom, and his podcast “Know Your Why”.Why did Jason decide to get started with real estate investing?Where along the financial journey might real estate be a good fit?What are multi-family syndication investments?What is the new fund that Jason has started?What does “Know Your Why” mean to Jason?What does financial freedom mean to Jason?Ways to connect with Jason:https://www.larkcapital.com/Email: jason@larkcapital.comLinkedIn: https://www.linkedin.com/in/jasonbalara/Instagram: https://www.instagram.com/larkcapital/Ways to connect with Veterinary Financial Summit: VetFinancialSummit.comInstagram: @vetfinancialsummitFacebook: https://www.facebook.com/VetFinancialSummitEmail: Leadership@VetFinancialSummit.com

We asked Kelly Cronin, veterinary technician, entrepreneur, speaker, travel hacker, and millionaire about how she got started with short-term rentals, her experience speaking to veterinary teams on financial fitness, and her best travel hacking tips.- What is Kelly's background in veterinary medicine?- How did Kelly get started with short-term rentals?- What short-term rentals does Kelly have and where are they located?- How do people find out about her short-term rentals?- What topics does Kelly speak on and what message does she share?- What are some limiting beliefs Kelly sees with veterinary team members regarding finances?- What is VetTechLife?- What are Kelly's best travel hacking tips?Ways to connect with Kelly:VetTechLife: https://vettechlife.com/Cronin's Castles: https://croninscastles.com/VetTechLife Financial Fitness Facebook group: https://www.facebook.com/groups/1565420814266226LinkedIn: https://www.linkedin.com/in/kellylynncronin/Email: kelly.lynn.cronin@gmail.comInstagram: @kelly.lynn.croninWays to connect with Veterinary Financial Summit: VetFinancialSummit.comInstagram: @vetfinancialsummitFacebook: https://www.facebook.com/VetFinancialSummitEmail: Leadership@VetFinancialSummit.com

In this BONUS episode of the Veterinary Financial Podcast, we discuss the upcoming Virtual Veterinary Financial Summit. Happening on September 30 - October 1, the Summit is a virtual event that brings veterinary professionals together to learn about personal finance and practice management. We aim to empower attendees with the knowledge to make better financial decisions.- What is the Virtual Veterinary Financial Summit?- What's on the Agenda this year?- Designing your financial planView the Agenda: https://vetfinancialsummit.com/summit/Get Your Ticket: https://vetfinancialsummit.ticketspice.com/vfs2023Ways to connect with Veterinary Financial Summit: https://VetFinancialSummit.comInstagram: @vetfinancialsummitFacebook: https://www.facebook.com/VetFinancialSummitLinkedIn: https://www.linkedin.com/company/vetfinancialsummitEmail: Leadership@VetFinancialSummit.com

As of September 1st, interest began accruing on student loans again and payments will restart soon. In this special episode of the Veterinary Financial Podcast, we hope to clear up some of the confusion around student loans and share what everyone needs to know about payments, interest, and the new SAVE plan.- What's going on with student loan interest?- What are some things to do before payments restart?- What are the 2 main repayment strategies?- What are the main repayment plans now?- Why are payments lower on SAVE?- What are the changes in interest with the SAVE play?- How to get a student loan consultation- Saving for the tax bombMentioned in this episode:Virtual Vet Financial Summit www.VetFinancialSummit.com/summitStudent Loan Planner VFS scheduling link ($100 discount): https://www.studentloanplanner.com/vetfinancialsummitMeredith's Student Loan Planner scheduling link ($100 discount): https://calendly.com/studentloanplanner-team/1-hr-consult-w-meredith-special-discountVIN Foundation Student Loan Repayment Simulator: https://www.vinfoundation.org/loansimWays to connect with Veterinary Financial Summit: VetFinancialSummit.comInstagram: @vetfinancialsummitFacebook: https://www.facebook.com/VetFinancialSummitEmail: Leadership@VetFinancialSummit.com

We asked Bash Halow, a Certified Veterinary Practice Manager, practice consultant, and owner of Halow Consulting about how money is discussed with veterinary teams, what it means to have an empowered team, and common mistakes when it comes to discussing money with clients.- How is money being discussed with veterinary teams?- What are some ways to talk about practice profitability with a team?- How can practice leaders have more productive conversations about raises and employee benefits with team members?- What are Bash's thoughts on level or tier systems for techs and assistants?- What does it mean to have an empowered team?- How can practice leadership help team members become more comfortable discussing money with clients?- What are some of Bash's favorite productivity tips?Ways to connect with Bash:BashHalow.comLinkedIn: https://www.linkedin.com/in/bashhalow/Communication and Workflow in the Age of Stress: https://www.bashhalow.com/communication-and-workflow-in-the-age-of-stress/Ways to connect with Veterinary Financial Summit: VetFinancialSummit.comInstagram: @vetfinancialsummitFacebook: https://www.facebook.com/VetFinancialSummitEmail: Leadership@VetFinancialSummit.com

In this episode, the Veterinary Financial Podcast co-hosts discuss new and recent grads comparing job offers and prioritizing money and numbers over mentorship and the culture of a practice.- What are some examples of doing due diligence in learning about a practice?- What are some things to look for in a practice?- What are some things that are overlooked when it comes to compensation?- What details should be included in a contract?- What are some things to watch out for in a contract?Compensation is Not Just about the Salary: https://vetfinancialsummit.com/compensation-is-not-just-about-salaryHow to Calculate Production: https://vetfinancialsummit.com/how-to-calculate-productionNerdWallet Cost of Living Calculator: https://www.nerdwallet.com/cost-of-living-calculatorDo you like these roundtable episodes? Let us know at Leadership@vetfinancialsummit.comWays to connect with Veterinary Financial Summit: https://VetFinancialSummit.comInstagram: @vetfinancialsummitFacebook: https://www.facebook.com/VetFinancialSummitLinkedIn: https://www.linkedin.com/company/vetfinancialsummitEmail: Leadership@VetFinancialSummit.com

We asked Ivan Zak, veterinarian, serial entrepreneur, the CEO of Galaxy Vets, and passionate advocate for the well-being of veterinary professionals, about his recently published third annual Burnout Study in the Veterinary Profession, salary versus production-based pay structure, and work-life balance. - What are some of the most significant financial-related findings of the burnout study?- What are the pros and cons of production-based pay?- Which groups of veterinarians experience the highest rates of burnout?- What are the study's findings on hybrid and remote work in the veterinary industry?- What are Ivan's suggestions to make schedules more sustainable?- How can employers help their team members with work-life balance?- What unique benefits could an employer provide to help ease the burden of student debt and financial strain?Download the full Burnout Study Whitepaper: https://links.galaxyvets.com/burnoutstudyDownload the Research Paper on Burnout Triggers in Veterinary Medicine: https://galaxyvets.com/learning-center/eliminate-these-six-burnout-triggers-from-your-veterinary-hospital/Ways to connect with Ivan:LinkedIn: https://www.linkedin.com/in/dr-ivan-zak/Galaxy Vets: https://galaxyvets.com/Ways to connect with Veterinary Financial Summit: https://VetFinancialSummit.comInstagram: @vetfinancialsummitFacebook: https://www.facebook.com/VetFinancialSummitLinkedIn: https://www.linkedin.com/company/vetfinancialsummitEmail: Leadership@VetFinancialSummit.com

We asked Dr. Mike Bugg, veterinarian, real estate investor, and co-host of The Veterinary Project Podcast, about his recently published book, money mindset, transitioning from clinical practice to real estate investor, and goal-setting.- Why did Mike decide to write a book?- What beliefs might be holding veterinarians back when it comes to money?- What are Mike's thoughts on the state of the veterinary industry right now?- How did Mike make the transition from full-time clinical practice to real estate investing?- What are Mike's favorite tips for goal-setting?***Book Giveaway: https://vetfinancialsummit.ck.page/bookgiveawayWays to connect with Mike:Michael Bugg's website https://michaelbugg.comThe Veterinary Project https://theveterinaryproject.comInstagram https://www.instagram.com/theveterinaryprojectBook: https://amzn.to/3oZvlrEWays to connect with Veterinary Financial Summit: VetFinancialSummit.comInstagram: @vetfinancialsummitFacebook: https://www.facebook.com/VetFinancialSummitEmail: Leadership@VetFinancialSummit.com

We asked Steve Oehley, contract veterinarian in New Zealand, career coach, and host of the Next Step Vet podcast, about veterinary career paths, making a career switch, non-traditional careers, and helping veterinarians discover their strengths.- Has Steve seen an increase in vets looking to change their career paths since the pandemic began?- What are the most common concerns of those looking to change their career paths?- What are Steve's thoughts on self-awareness when designing a career?- How can vets who are interested in non-traditional careers discover their strengths?- What does Steve mean when he says, “Passion is the RESULT of a good career, not the start of it.”?Ways to connect with Steve:LinkedIn: https://www.linkedin.com/in/steve-oehley/Podcast: https://next-step-vet.captivate.fm/E-mail: steve@nextstep.vetWays to connect with Veterinary Financial Summit: VetFinancialSummit.comInstagram: @vetfinancialsummitFacebook: https://www.facebook.com/VetFinancialSummitEmail: Leadership@VetFinancialSummit.com

We asked Isaiah Douglass, a Certified Financial Planner and Partner at Vincere Wealth Management, about his thoughts on the financial landscape for 2023, investing, working with remote teams, emergency funds, and Bitcoin.- What are Isaiah's thoughts on the financial landscape for 2023?- Is veterinary medicine recession-proof?- What are the best questions to ask a financial advisor?- What is the all-weather investment strategy?- What are Isaiah's thoughts on practice ownership?- What insights does Isaiah have for working with remote teams?- What do you do if you have an emergency fund and extra money in the bank?- Why should vets care about Bitcoin?Ways to connect with Isaiah Douglass:Vincere Wealth Management: https://www.vincerewealth.com/veterinarianVeterinarian Success Podcast: https://www.veterinariansuccesspodcast.comLinkedIn: https://www.linkedin.com/in/isaiah-douglass-mba-cfp%C2%AE-cepa-29255462/Isaiah's suggested Bitcoin resources: https://twitter.com/IDFinancial/status/1369672078182514691Ways to connect with Veterinary Financial Summit: VetFinancialSummit.comInstagram: @vetfinancialsummitFacebook: https://www.facebook.com/VetFinancialSummitEmail: Leadership@VetFinancialSummit.com

We asked Kayla Donovan, a veterinary practice management consultant with Transformation Group Business Advisory, about common practice management mistakes, practice valuation, exit strategy, and selling a practice.- What are the most common practice management mistakes Kayla sees?- What clients/practices typically seek out Kayla's services?- What are some important factors to take into account when considering practice valuation?- What are some practice ownership trends Kayla is seeing?- When is the best time to plan an exit strategy?- What should a practice owner consider when selling a practice?Ways to connect with Kayla:Email: kayla@transformationba.comWebsite: https://transformationba.com/LinkedIn: https://www.linkedin.com/in/kayla-donovan-73a88436/Phone: (732)642-6321Ways to connect with Veterinary Financial Summit: https://VetFinancialSummit.comInstagram: @vetfinancialsummitFacebook: https://www.facebook.com/VetFinancialSummitLinkedIn: https://www.linkedin.com/company/vetfinancialsummitEmail: Leadership@VetFinancialSummit.com

We asked Jeff Rothstein, veterinarian and the founder of Mission Veterinary Partners, about the evolution of corporate medicine, practice ownership and management, and staffing in the current competitive job market.- What are Jeff's insights on the evolution of corporate medicine?- What options are there for practice ownership outside of the traditional model?- How did Jeff decide to pursue the business side of veterinary medicine?- What sort of risk tolerance do you need to pursue practice ownership?- What are some common unnecessary expenses in a veterinary hospital?- What are some common practice management mistakes?- How is mentorship being offered in Jeff's practices?- What are some key benefits practice owners can offer to stand out among the competition?Ways to Connect with Jeff:Email: jknis@sbcglobal.netMobile: 734-645-0267LinkedIn: https://www.linkedin.com/in/jeff-rothstein-97227347/Ways to connect with Veterinary Financial Summit: https://VetFinancialSummit.comInstagram: @vetfinancialsummitFacebook: https://www.facebook.com/VetFinancialSummitLinkedIn: https://www.linkedin.com/company/vetfinancialsummitEmail: Leadership@VetFinancialSummit.com

This podcast episode marks a milestone in the Debt-Free Vets Facebook Community. We recently reached 10,000 members! That's 10,000 vets and vet students from 97 different countries all around the world.In this episode, the Debt-Free Vets moderators, Dr. Meredith Jones, Dr. Willie Bidot, and Dr. Chris Bidwell, talk about how and why the Debt-Free Vets group was started.- Who is the Debt-Free Vets group for?- How did Dr. Bidwell and Dr. Bidot become moderators?- What does the group name mean and what are common misconceptions?- What are the most common questions seen in the group?- What are the most controversial topics seen in the group?- What is planned for the group?Debt-Free Vets group: https://www.facebook.com/groups/DebtFreeVetsEverything You Need to Know About Student Loans Right Now webinar: https://vimeo.com/user7519496/studentloans$100 discount on a consult with Student Loan Planner (referral link): https://www.studentloanplanner.com/vetfinancialsummitHigh Debt and Falling Demand Trap New Vets (NY Times, 2013): https://www.nytimes.com/2013/02/24/business/high-debt-and-falling-demand-trap-new-veterinarians.htmlWays to connect with Veterinary Financial Summit: https://VetFinancialSummit.comInstagram: @vetfinancialsummitFacebook: https://www.facebook.com/VetFinancialSummitLinkedIn: https://www.linkedin.com/company/vetfinancialsummitEmail: Leadership@VetFinancialSummit.com

We asked Eric Miller, Chief Financial Advisor and owner of Econologics Financial Advisors, about why practice ownership is so important for veterinarians, how to minimize the effects of inflation on business and personal finance, roles practice owners play in the practice, and exit strategies. - Why is practice ownership important for veterinarians? - Is practice ownership a great idea right now for new practice owners? - What are Eric's thoughts on staffing in the age of The Great Resignation? - How can practice leaders minimize the effects of inflation on their business? - How can veterinarians minimize the effects of inflation on their personal finances? - What roles should a practice owner play in their practice? - How should a practice owner structure their own compensation? - What is a common financial mistake practice owners make? - What is an exit strategy and when do you start planning it? - What are some methods to offer equity in your practice? - How do you know how much to buy or sell a practice at? Ways to connect with Eric: https://econologicsfinancialadvisors.com/ (https://EconologicsFinancialAdvisors.com/) YouTube - https://www.youtube.com/c/FinancialBeast (https://www.youtube.com/c/FinancialBeast) LinkedIn - https://linkedin.com/in/ericisyourbfff (https://linkedin.com/in/ericisyourbfff) Facebook - https://facebook.com/econologicsfinancial (https://facebook.com/econologicsfinancial) Ways to connect with Veterinary Financial Summit:  https://vetfinancialsummit.com (https://VetFinancialSummit.com) Instagram: @vetfinancialsummit Facebook: https://www.facebook.com/VetFinancialSummit (https://www.facebook.com/VetFinancialSummit) LinkedIn: https://www.linkedin.com/company/vetfinancialsummit (https://www.linkedin.com/company/vetfinancialsummit) Email: Leadership@VetFinancialSummit.com

In this BONUS episode of the Veterinary Financial Podcast, we talk about the upcoming Virtual Veterinary Financial Summit. Happening on October 22-23, the Summit is a virtual event that brings veterinary professionals from around the world together to learn about money topics. Our goal is to empower attendees with the knowledge to make better financial decisions. - What makes the Vet Financial Summit different? - What's on the Agenda for this year? - The two tracks at the Vet Financial Summit: Personal Finance and Practice Finance/Management - What's happening each day? (Saturday and Sunday) - The Financial Goal-Setting Workshop Register for the Summit: https://vetfinancialsummit.com/summit/ (https://vetfinancialsummit.com/summit/) Ways to connect with Veterinary Financial Summit:  https://vetfinancialsummit.com (https://VetFinancialSummit.com) Instagram: @vetfinancialsummit Facebook: https://www.facebook.com/VetFinancialSummit (https://www.facebook.com/VetFinancialSummit) LinkedIn: https://www.linkedin.com/company/vetfinancialsummit (https://www.linkedin.com/company/vetfinancialsummit) Email: Leadership@VetFinancialSummit.com

We asked Lance Roasa, veterinarian and attorney, about employment contracts, salary versus ProSal, common mistakes with contracts, non-competes, and negotiation. - Is a contract appropriate in all employment situations? - What are new contract trends Lance is seeing in veterinary medicine? - How would Lance explain ProSal to a new grad? - Are there pitfalls to watch out for with ProSal? - What are some common mistakes employers and employees make with contracts? - Is there a place for non-competes in the current job market? - What are the most important or best negotiating tips? US Bureau of Labor Statistics - Veterinarians https://www.bls.gov/oes/current/oes291131.htm (https://www.bls.gov/oes/current/oes291131.htm) AVMA Economic State of the Profession (membership required for free report) https://ebusiness.avma.org/ProductCatalog/product.aspx?ID=2000 (https://ebusiness.avma.org/ProductCatalog/product.aspx?ID=2000) Ways to connect with Lance: Website: https://www.roasalaw.com/ (https://www.roasalaw.com/) LinkedIn: https://www.linkedin.com/in/lance-roasa-58338114/ (https://www.linkedin.com/in/lance-roasa-58338114/) Ways to connect with Veterinary Financial Summit:  https://vetfinancialsummit.com (https://VetFinancialSummit.com) Instagram: @vetfinancialsummit Facebook: https://www.facebook.com/VetFinancialSummit (https://www.facebook.com/VetFinancialSummit) LinkedIn: https://www.linkedin.com/company/vetfinancialsummit (https://www.linkedin.com/company/vetfinancialsummit) Email: Leadership@VetFinancialSummit.com

We asked Grace Kim, veterinarian, financial coach and the founder of Richer Life DVM, about getting started with personal finance, budgeting, money saving hacks, and common financial mistakes veterinarians make. - Where does the journey start with getting finances on track? - Why is a budget or cash flow plan important? - What is the best way to get started with budgeting? - What are Grace's best tips for automating finances? - Should everyone have a monthly budget? - What are the top 3 money concerns Grace hears from new grads? - What are some common financial mistakes vets make? You Need a Budget:https://www.youneedabudget.com/ (https://www.youneedabudget.com/) Ways to Connect with Grace: https://richerlifedvm.com/ (https://richerlifedvm.com/) Facebook: https://www.facebook.com/richerlifedvm (https://www.facebook.com/richerlifedvm) Instagram: https://www.instagram.com/richerlifedvm/ (https://www.instagram.com/richerlifedvm) LinkedIn: https://bit.ly/3THxSBL (https://bit.ly/3THxSBL) Ways to connect with Veterinary Financial Summit:  https://vetfinancialsummit.com (https://VetFinancialSummit.com) Instagram: @vetfinancialsummit Facebook: https://www.facebook.com/VetFinancialSummit (https://www.facebook.com/VetFinancialSummit) LinkedIn: https://www.linkedin.com/company/vetfinancialsummit (https://www.linkedin.com/company/vetfinancialsummit) Email: Leadership@VetFinancialSummit.com

We asked Cindy Trice, veterinarian and the Founder & CEO of Relief Rover, about veterinary relief work, what relief vets need to know about taxes and insurance, travel hacking, and trends that she is seeing with relief compensation. - How some vets choose relief work as a side gig and others as a career - The differences between being paid through W2 versus 1099 - How to estimate for self-employment taxes - What type of insurance should vets consider when working relief? - What are some insurance misconceptions? - Why did Cindy start Relief Rover and what resources does it provide? - What are some trends Cindy is seeing with relief compensation? -  Does Cindy think more vets will pivot to relief work? - What is Cindy's favorite travel hack? Relief Rover Wage Calculator https://reliefrover.com/relief-veterinarian-salary-wage-calculator/ (https://reliefrover.com/relief-veterinarian-salary-wage-calculator/) Worker's Compensation By State https://bit.ly/3cWWAgK (https://bit.ly/3cWWAgK) 1099 vs. W2 - What's the Difference? https://vetfinancialsummit.com/1099-vs-w2-whats-the-difference/ (https://vetfinancialsummit.com/1099-vs-w2-whats-the-difference/) Travel Hacking Blog https://vetfinancialsummit.com/how-two-vets-went-to-hawaii-for-48/ (https://vetfinancialsummit.com/how-two-vets-went-to-hawaii-for-48/) Ways to Connect with Cindy: https://reliefrover.com/ (https://reliefrover.com/) LinkedIn: https://www.linkedin.com/in/cindy-trice-9464566/ (https://www.linkedin.com/in/cindy-trice-9464566/) Email: cindytricedvm@reliefrover.com Ways to connect with Veterinary Financial Summit:  https://vetfinancialsummit.com (https://VetFinancialSummit.com) Instagram: @vetfinancialsummit Facebook: https://www.facebook.com/VetFinancialSummit (https://www.facebook.com/VetFinancialSummit) LinkedIn: https://www.linkedin.com/company/vetfinancialsummit (https://www.linkedin.com/company/vetfinancialsummit) Email: Leadership@VetFinancialSummit.com

We asked Andrew Rotz, Certified Financial Planner and the Director of Personal Finance and Financial Literacy at North Carolina State's College of Veterinary Medicine, about working with vet students, their biggest financial concerns, and veterinary employment contracts. - What Andrew's day to day looks like working at NC State - What are the biggest financial concerns of interns and residents? - What are some common mistakes vet students and early career vets make? - What are the most common student debt questions Andrew gets from students? - When is the ideal time to pursue a student loan consultation? - What trends is Andrew seeing with veterinary job offers and contracts? - What should new grads keep in mind when receiving their first job offers? - What are the most overlooked benefits in contracts? - What are some pitfalls to watch out for in contracts? Ways to connect with Andrew: Tide & Tempest Financial: https://tidetempestfinancial.com (https://tidetempestfinancial.com) Andrew's email: andrewrotz@tidetempestfinancial.com LinkedIn: https://www.linkedin.com/in/andrew-rotz/ (https://www.linkedin.com/in/andrew-rotz/) Ways to connect with Veterinary Financial Summit:  https://vetfinancialsummit.com (https://VetFinancialSummit.com) Instagram: @vetfinancialsummit Facebook: https://www.facebook.com/VetFinancialSummit (https://www.facebook.com/VetFinancialSummit) LinkedIn: https://www.linkedin.com/company/vetfinancialsummit (https://www.linkedin.com/company/vetfinancialsummit) Email: Leadership@VetFinancialSummit.com

We asked Cyndie Courtney, small animal veterinarian, a speaker, consultant, and The Jerk Researcher about jerks in the veterinary practice, how much a jerk costs veterinary practices, and what can be done about them. - How Cyndie became The jerk Researcher - Why Cyndie chose the word ‘Jerk' and what it means to her - What are other ways one can be a jerk outside of behavior? - How do jerks affect the bottom line of a practice? - Advice on how to deal with jerks - How to know if you are the jerk - How can a practice prevent becoming a systemic jerk? Ways to connect with Cyndie: https://www.thejerkresearcher.com/ (https://www.thejerkresearcher.com/) Instagram: @TheJerkResearcher Facebook: https://www.facebook.com/thejerkresearcher/ (https://www.facebook.com/thejerkresearcher/) LinkedIn: https://www.linkedin.com/in/thejerkresearcher/ (https://www.linkedin.com/in/thejerkresearcher/) Ways to connect with Veterinary Financial Summit:  https://vetfinancialsummit.com (https://VetFinancialSummit.com) Instagram: @vetfinancialsummit Facebook: https://www.facebook.com/VetFinancialSummit (https://www.facebook.com/VetFinancialSummit) LinkedIn: https://www.linkedin.com/company/vetfinancialsummit (https://www.linkedin.com/company/vetfinancialsummit) Email: Leadership@VetFinancialSummit.com

We asked Meagan Landress, student loan consultant for Student Loan Planner, financial coach, and a Certified Student Loan Professional about what a student loan consult entails, the changes occurring with student loans, determining the best route of repayment, and common mistakes vets make with student loans. - What does a student loan consult with Meagan entail? - What do vets need to keep in mind for when payments resume? - What does Meagan recommend if the government extends the pause again? - How do you determine the best route of repayment? - What are the most common mistakes vets make with student loan repayment? - Has Meagan seen an increase in the number of vets able to pay their loans off in full with the increase in salaries? - What are some student loan tips the class of 2022 should know? ***This episode was recorded before the recent changes made to federal student loan forgiveness. You can learn more here: https://www.studentloanplanner.com/major-reform-idr-plans/ (https://www.studentloanplanner.com/major-reform-idr-plans/) Student Loan Resources: Student Loan Planner Calculator: https://www.studentloanplanner.com/free-student-loan-calculator/ (https://www.studentloanplanner.com/free-student-loan-calculator/) VIN Student Loan Repayment Simulator: https://www.vin.com/studentdebtcenter/default.aspx?pid=14352&id=7578014 (https://www.vin.com/studentdebtcenter/default.aspx?pid=14352&id=7578014) Ways to connect with Meagan: https://www.financialcoachmeagan.com (https://www.financialcoachmeagan.com) https://www.studentloanplanner.com/ (https://www.studentloanplanner.com/) LinkedIn: https://www.linkedin.com/in/meaganlandress/ (https://www.linkedin.com/in/meaganlandress/) Instagram: https://www.instagram.com/financialcoachmeagan/ (https://www.instagram.com/financialcoachmeagan/) Ways to connect with Veterinary Financial Summit:  https://vetfinancialsummit.com (https://VetFinancialSummit.com) Instagram: @vetfinancialsummit Facebook: https://www.facebook.com/VetFinancialSummit (https://www.facebook.com/VetFinancialSummit) LinkedIn: https://www.linkedin.com/company/vetfinancialsummit (https://www.linkedin.com/company/vetfinancialsummit) Email: Leadership@VetFinancialSummit.com

We asked Stacey Cordivano, equine vet, practice owner, and host of The Whole Veterinarian Podcast about becoming a practice owner, focusing on physical and mental wellbeing, meditation, and creating sustainability in equine practice. - What was the shift in thinking Stacey had about her career? - How did this change how she practiced? - How did Stacey get started with real estate investing? - What is The Whole Veterinarian about and what is its mission? - What are some good wellbeing habits? - What is a life plan and how do you make one? - What is the Sustainability in Equine Practice Seminar & Retreat? - How do we create more sustainability in equine practice? - What advice does Stacey have for vet students or new grads who want to pursue equine practice? Create Your Own Strategic Life Plan: https://thewholeveterinarian.com/freeguide/ (https://thewholeveterinarian.com/freeguide/) Ways to connect with Stacey: https://thewholeveterinarian.com/freeguide/ (https://thewholeveterinarian.com) Instagram: @thewholeveterinarian Email: thewholeveterinarian@gmail.com Ways to connect with Veterinary Financial Summit:  https://vetfinancialsummit.com (https://VetFinancialSummit.com) Instagram: @vetfinancialsummit Facebook: https://www.facebook.com/VetFinancialSummit (https://www.facebook.com/VetFinancialSummit) LinkedIn: https://www.linkedin.com/company/vetfinancialsummit (https://www.linkedin.com/company/vetfinancialsummit) Email: Leadership@VetFinancialSummit.com

We asked Sam Morello, board certified large animal surgeon, speaker, and researcher on veterinary compensation, about her recent study on intern and resident salaries, financial strain among postgraduate veterinary trainees, and how she became interested in demographics and salaries in the veterinary profession.  - What is Sam's recent study about? - Are interns and residents being paid a living wage? - How are house officer salaries being determined? - Is there any correlation between cost of living and salaries? - How well are they being paid based on how many hours they are working? - What other financial barriers do vets in training programs face? - What are Sam's thoughts on the link between financial stress and lower well-being scores? - What advice does Sam have for vet students looking to start their careers? - Are there differences between benefits given in academic settings versus private practice? - Is there a difference in the gender gap with surgeons on production pay versus salary? - Should we talk about compensation more openly? Sam's research studies: Compensation: https://avmajournals.avma.org/view/journals/javma/260/1/javma.21-07-0336.xml (https://avmajournals.avma.org/view/journals/javma/260/1/javma.21-07-0336.xml) Wage gap: https://avmajournals.avma.org/view/journals/javma/255/11/javma.255.11.1270.xml (https://avmajournals.avma.org/view/journals/javma/255/11/javma.255.11.1270.xml) Merck Well-being study: https://www.merck-animal-health-usa.com/wp-content/uploads/sites/54/2022/02/2021-PSV-Veterinary-Wellbeing-Presentation_V2.pdf (https://www.merck-animal-health-usa.com/wp-content/uploads/sites/54/2022/02/2021-PSV-Veterinary-Wellbeing-Presentation_V2.pdf) Ways to connect with Sam: LinkedIn: https://www.linkedin.com/in/samantha-morello-956a9525/ (https://www.linkedin.com/in/samantha-morello-956a9525/) Email: vetsam@gmail.com ACVS: https://online.acvs.org/acvsssa/rflcustomdisplay.detail_page?p_vendor_serno=104366 (https://online.acvs.org/acvsssa/rflcustomdisplay.detail_page?p_vendor_serno=104366) Ways to connect with Veterinary Financial Summit:  https://vetfinancialsummit.com (https://VetFinancialSummit.com) Instagram: @vetfinancialsummit Facebook: https://www.facebook.com/VetFinancialSummit (https://www.facebook.com/VetFinancialSummit) LinkedIn: https://www.linkedin.com/company/vetfinancialsummit (https://www.linkedin.com/company/vetfinancialsummit) Email: Leadership@VetFinancialSummit.com