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The Dentist Money™ Show | Financial Planning & Wealth Management
On this episode of The Dentist Money Show, Matt breaks down what dentists need to know about the financial advising industry, from how advisors are compensated to the different service models, and the real value they provide. He explains why transparency matters, how incentive structures can influence advice, and why dentists should evaluate their current advisors based on both the services they receive and the fees they pay. If you're looking for guidance from a financial advisor, you can schedule a free consultation with us here. Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.
The Dentist Money™ Show | Financial Planning & Wealth Management
On this short episode of The Dentist Money Show, Practice Strategist Christine Uhen, BA, CEPA, dives deeper into one of the five points of productivity: how to measure the true value of your patient base and why it's one of the most important drivers of practice performance. Christine teaches you how patient numbers, retention rates, and annual patient value shape the financial health of your practice. She explores key benchmarks to track how to balance new patient acquisition with retention, when to add hygience capacity, and more. Whether you're building momentum or planning your next move, this episode helps you understand the metrics that matter most. If you would like to watch the first episode of The Five Points of Productivity, click here! Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life
The Dentist Money™ Show | Financial Planning & Wealth Management
Welcome to Dentist Money Two Cents, a look at the latest financial and economic news from the past week. On this episode of Dentist Money's Two Cents, Matt, Cody, and Rabih break down the latest developments surrounding the oil prices, demand, and supply chain on a global scale. They disect the "what ifs" of the future of inflation and interest rates if oil prices continue to rise. Pivoting to tax refunds, they discuss what a refund actually is and why getting one isn't as economically beneficial as you might think. Finally they quickly discuss study results showcasing the rising trends of practice ownership by age and discuss whether it is worth it for a dentist to enter the private practice space with the rising barriers of entry in a post-COVID world. Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.
This one's for the business owners out there! Kiera discusses all things overhead — what's normal, what's high, how to lower it, and what overhead even means in the first place. She then goes into specific tips of what it takes to lower that overhead quickly and responsibly. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: The Dental A Team (00:00) Hello, Dental A Team listeners. This is Kiera and oh I hope you're ready for today's podcast today's podcast is one that I Love but you might not love it But guess what after today you're going to love it and you're going to know why because this is an episode for the business owners out there and office managers and team members guys, I Love, love, love, love, love talking about overhead. What's normal, what's high and how to lower your overhead and what does overhead even mean? And I know that this is something where maybe you've heard it in the past and guess what? One of the greatest tools to learning is remembering. And so today I'm gonna walk you through how we get overhead and how we're able to lower it fast. ⁓ I have found when consulting hundreds and hundreds of offices, the number one pain point is cashflow. We actually just created ⁓ like, amazing little graph and document of how offices are looking at things and how we, this is like just a pyramid. And if you guys are watching, we're going to see how good I do. Gosh, I'm not, okay, Paul, it's not pretty enough. I won't share it yet, but we actually built this like pyramid to show kind of a proven path from chaos to control and how we go. Like what is the base layer that causes offices the most amount of stress and how it goes up. so base layer of this triangle is cashflow and profit stability. Then after that, it's time delegation or removing the doctors a bottleneck. Then we go up to systems and consistency. Then we do leadership and CEO transition, and then it's legacy and optionality. So, and this was like really fun because I like put it all together and I was like, okay, guys, I figured out what causes Dennis the most. Like we're talking hundreds and thousands of offices and putting it together. And then our marketing team was amazing and Paul, shout out to him, he took it and he was like, all right, here, here you go. This is what it is. And what I looked at is so many people come in and like, here, we need systems, like, because we don't have cash. So they think that the systems will get them the cash, but knowing the right system. And this is oftentimes where it feels like whack-a-mole is we're putting in the wrong system, trying to get the outcome. And so it's like putting in the correct lever to be able to move. And then you're like, well, I need a leadership team. But if you're on cashflow row, you're not thinking about a leadership team. You're like, I gotta get out of the burning bush. But if you're on cashflow positive, you're like, gosh, I'm just like stuck in all the weeds. Well, great, we need like to build you a leadership team and we need to get systems in place for you. And we need to look at which systems are not working. And so that's why I wanted to go into overhead for you today of how, like what is overhead and how is it working for me or against me? And how do I get this down fast, AKA more profit for you. And that's not because we wanna be rich and like, whatever, I want you to actually be very wealthy. You like put in a lot of time and effort, but we want you to be making profit as a business. If you're not making money, it's a hobby and it's a liability and it's stressful. And we need to get you out of that stress zone so you can do the best dentistry, the best care. So when I look at offices, a lot of times they're not under producing, they might be overspending. And when I look at profitability, there's three levers. We need to produce more, collect more, or reduce our spending. are the three ways to get there. And so that's how we're gonna look at these. Those three make more profit. So when I look at this and when I look at your biggest pain point that most offices are struggling with is cashflow. And why? Because you were taught to be a dentist, you weren't taught to be a business owner. So you're like, great, I made money, but I don't know how to spend the money and I don't know what I'm overspending. I was talking to someone and ⁓ this is a dear friend to me and she's running her business and this is like leading me into a possible other business idea that's been percolating for me. She was like, Kiera. She's not in dentistry. She's in a different industry. she's like, Kiera, I made 200,000 this last year. And I was like, dang girl, I'm super freaking proud of you. And she's like, I took them 48,000. And I was like, what? She's like, yeah. And I said, well, hold on. She doesn't have employees. She's solo. And I was like, but why? Like, okay, 200,000, let's take taxes out of there. Even if you're sitting at 37%, which you're not, let's just. we'll chunk 40 out of that, okay? Like let's do 40%. So was like, that's like 80. That's like really high. You probably are like 60,000 out for taxes. So we'll put you at 200,000 minus 60,000. We're at 140. Where did you spend like a hundred grand? And she was like, Kiera, I don't know. I don't know. And I thought to how many business owners feel like her? How many people feel like, but I made this money, but I don't have it and I don't know why. Like gosh, 200,000 only taking home 48. Like you might as well go work for someone else. She's like, I worked more. I'm not with my family. I've done all these things. And I feel like that's how I feel so many dentists feel. They're like, I'm working harder than I was as an associate. I have all this stress. I'm not sleeping. I'm not with my family. And I'm not even making the money that I want to be making. And so I'm just really pro of like, Hey, there are solutions and there are ways. I think understanding what overhead is, understanding how business works. and using it within your dental office is going to help. So, Dental A Team, I'm obsessed with helping you guys have your best lives. ⁓ Our job is to help you hit profit goals, control costs, not always have to produce and work more. Like let's work smarter, not harder. ⁓ And really it's just to positively impact the world of dentistry. We call it the Yes Model. So focusing on you as a human, earnings and profitability, and then systems and team development. Your business should truly serve your life, not the other way around. And so, ⁓ Let's just like dive into what is overhead. I don't want any of you to be like my friend and honest. I'm going to get that friend out of that dilemma. I'm like, I think this is how I was. I think that it comes from, right? Like, why do we build companies? We build them out of like necessity for ourselves. We build them out of like things that we had. We build them from like, I've been there, done that. And here's how I'm going to help you. But we also need to learn how to be really strong business owners. And something I feel like I've been really proud of and something I'm really grateful for is The language of business has actually made a lot of sense to me. was good with math. used to, you guys ready? Another random Kiera job. ⁓ I was a math tutor for quite a lot of my life actually and taught littles. I didn't go, I was not into calculus. I was doing algebra, geometry, like little kids. I had a whole tutoring business. Like that was another business I started up. Cause I found out what they were paying me as a tutor versus what they were charging the client. And I was like, heck no, I'm doing my own business. It is really hard to do marketing in case you're wondering for tutoring, but. I got my little business over the summer and drove around all these houses. ⁓ But math has always kind of made sense to me. Like one plus one equals two. And I like it because with math, maths, it's very fun. And so when I look at overhead and I look at targets, I'm like, all right, what does it mean? So overhead is the total amount of money that it costs to run a business. Okay. So that's what overhead is. And you know what? These are pretty slides. So I think Paul will be just fine. ⁓ We actually have an entire presentation that we did on like preventing cashflow leaks and what is like the dentist profit plan? So I'm gonna actually show you guys if you're watching awesome. I think this will be a fun thing for you to see Okay, so what is overhead? And I think these slides just break it down really simply. And if you're audio listening, great, I'm gonna tell you what's on the slide. So what is overhead? It's all the costs to run a practice. So we're talking payroll, rent, labs, supplies, anything under the roof. It does not usually include Dr. Pay. Now I'm gonna throw a disclaimer. I am not a CPA. Talk to your CPAs about this. I'm gonna just tell you how Kiera has learned it and how it's made sense for me when it didn't make sense, okay? So that's overhead. And I get annoyed with the overhead and this is why I prefer to talk profit versus overhead because the fact that it doesn't include Dr. Pay annoys me per CPA usual guidelines. Now I'm not saying all CPAs, but usually this is like how it is. It's all the costs, but they don't include Dr. Pay because you're a business owner. So like, why should we pay you? Now, what is profit? Profit is the total after overhead and doctors are paid. So I like doctors to be paid 30 % of production. Think about it, that's what associates are usually paid. You can be 35%, I don't actually care. Like whatever it is. So in this simple equation, we would do revenue or production, AKA collections, minus overhead, minus doctor pay equals profit or available funds, okay? So if we're in a practice and we produce and collect, because if we produce but we don't collect, remember that's gonna hurt. ⁓ 100,000, we minus 50,000 of overhead costs like our rent, our payroll, our supplies. We pay our doctor 30%, so 30,000. We would have profit with air quotes of 20 grand. Okay, I did perfect easy math for you. If our doctor was 30%, if our overhead was 50%, our profit would be 20 % on $100,000 practice, okay? So these are the levers. We either increase production, decrease costs or increase our collections. That's how we're gonna do it. Now, what is cash flow? Cash flow is profit minus debt services, okay? This is where it gets weird, because you're like, well, it says I'm profitable and my overhead's good, but I have no cash. Well, this is why, because we have debt services, which oftentimes like our student loans and sometimes they're building loans. Those are debt services that don't actually get included in overhead. And this is a CPA, it's how it gets like deducted down and all of that. So like you can deduct certain things, but that doesn't mean the cash is taken out. It got. written off, do tell the like laws that are way beyond my pay grade. So profit minus debt services is cashflow. So debt services are practice loans, equipment loans, student loans sometimes are or may not be included in this. You got to check with your CPA and your personal expenses. So what happens is we have a business and this business is producing 2 million for us, okay? Our overhead, let's say we're like really kicking it and we're at 50 % overhead and our doctor is being paid like rock on, doctor's paid. So we've got money left over, but then on that leftover, yes, doctor, your business is doing well, but you as a human also have expenses. You have your life expense, you've got your student loans, you have all of this, which is why you don't feel like you've got cashflow, not to mention taxes, okay? So when we look at this, what is an ideal over it? And this is where it gets like really hard, like my overhead and my cashflow, and like my overhead's good, but I don't have cash. Well, it's because we haven't like put it all together for you and we haven't made it to where like, okay, What is John's personal life? What are your costs? What are our debt services? What are the costs of the business? Great, now we set our office goals. And sometimes you have to be careful because your life expenses might be more than your business can produce. And I know that that's annoying and I'm really sorry, but we have to also live within our means of what our business can do. We can't squeeze out our business when we're looking at it and we're like, well, shoot. you might be overspending. again, I'm not here judging. There's no judgment here. I just want to be realistic. One plus one equals two, always in math. And that's why I enjoy it. So when we look at this, our goal is to have you profit 20 % and an overhead of 50%. Remember, 50 % overhead of the cost, 30 % doctor pay, 20 % profit. That does not mean you're taking home 20 % of that profit and of doctor pay. You owe taxes on that. So that's super fun. Take that out. Just like my friend, right? We took taxes out. And then from there, we got to pay our debt services. We've got to have our life. Then whatever is left. Over is your cash. That's why it's hard. So this is where people are like, I don't get it, Kiera. No, you do. And I'm gonna teach you, okay? So we wanna have those. Now, when we have an overhead calculator, what we do is we wanna get this to 50%, 60%, like that's great. Cause the less we spend, the greater our profit is, right? Like if I make a hundred dollars and I only spend $20, I have $80 left over. That's great. But if I have a hundred dollars and I spend $80, I don't have $20. We made a hundred. but how are we spending? So again, it's either increased production, increase our collections, because your production might be there, but if your collections are lagging, you might not have as much cash. Why? You produced it, but we didn't collect it. That's a big problem. But if we produced and collected what we need, then what's our spending? And I will tell you, usually expenses can be pretty high. So we look over here, and on this example here, I've got it at 60 % total overhead. So like our payroll should be about 30%, dental supply should be about 5%, lab should be about 7%. facility equipment 8%, advertising 2%, office supplies 1%. Like break this down however you wanna adjust it. Your rent might be so hard, bank charges I hope that they're less than 3 % for you. But all these add up and you can adjust these and these can be moved around and say like maybe if we only had our payroll at 25%, I'm not here to say pay your team less. We just are looking at like what things can we do? In this scenario on the screen, doctors only at 20 % of this and their profits 10%. Well, it's because our- Our overhead is at 60%, we're high and we have debt services of 5%. That's why. So costs really do matter. So if we collect 100,000 and our overhead before we paid our doctor was 73,000, our overhead is 73.82. That's without even paying our doctor. Well, then our doctor got paid 20%, okay? So 73 plus 20, we're at 93%. Woohoo, we're living on the edge there. We have debt services at 5%, this poor doctor is negative. They got 1.18 % on a $100,000 collection month. They're not quite negative. Like their total overhead over there, it's like not where we want it to be. So it's negative based on the thing, but their net profit on a hundred thousand is 1100 bucks. Well, that feels like junk. Like, yeah, I got paid 20 grand, but after I paid everything out, my total expenses for this, and this is where I think people get weird. And that's even before we paid taxes. My overhead was 73, my doctor salary is 20,000. my debt services were 5,000. So we add all that together and that's how we get up to that 98, which leaves us with 1176. That's annoying. They're not doing good. This is where the cashflow crunch happens. So when we look at this, and this is why I really love to show you like what is cashflow, what is overhead, and hopefully you're able to see that. And if not, hopefully I explained it well enough for you. And I wasn't just talking on the screen. I tried to make it to where you guys could hear it and see it. But when we look at this, this is where I get annoyed because like, okay, what can I do then to reduce it? I just told you. We either look at what are we spending and I just gave you some parameters. So can I get my payroll or my supplies or my labs down? Can I give my team a 4 % of collections from last month and that becomes our supplies? Yes, you can. And we can start tracking that. So there's little things we can look at and we can see what can I reduce down? How can I trim this down? And honestly, trimming your overhead. So we stop spending. If you're a CE junkie, great. We give you a budget of X amount of dollars and that's all you get to spend. The rest doesn't. We look to see where are we overspending? Maybe we are overstaffed and so we need to increase our production based on the amount of staff members that we have. I love team versus staff, but like, let's look at that, okay? So let's look at it and let's find out where is one or two categories on your P &L that are out of it. And if you need an overhead calculator, be sure to reach out. Hello@TheDentalATeam.com. I love to share that with people. So review your P &L, look at it. Let's look at our overhead, see where we are. Your goal is to be at a 50 % overhead before a doctor's paid or a 20 % profit, okay? Now we look at payroll. Are there ways that we could look at this? Are there ways that we could cut it down? Can we make it to where people are not clocking in, clocking out too much? How are we going to be able to have this? And this like 30 % is all fringe benefits, everything included in there. So what can we do on there to make sure that we're profitable in that? Can we like look at other ways? Can we outsource things? Like our hygienists are expensive. So is there a way that we can maybe outsource some billing? Again, not to say to fire team members. want our team members. Teams are assets. They're not liabilities. But what things can we get creative on? no overtime, that's a no-go. People only work 32 hours. We work on four-day work weeks and we rotate. There's a lot of different things you can do, but looking at that, committing to it. And then the next thing is like, let's figure out what is our true BAM of the company, including cost of the company, cost of paying our doctor, cost of our debt services, and then let's work backwards. Okay. That's how much we need to produce. And this is how much we need of profit. Then what do need to do on diagnosis and production on the top half? and scheduling and creating a block schedule for that. Now, if you're like, I don't love numbers, Kiera, and what you just said was so awesome, but so scary, great. Reach Hello@TheDentalATeam.com. want to talk to you because when you can say and truly feel it in your bones, I love numbers and numbers loves me. You are going to feel so much more confident as a business owner. The reason people get scared on overhead and profit margins is because they don't understand the language of business. They don't understand how money works. They don't understand how taxes work. So I decided I was so sick of crying in December. I said, that's it. I'm not gonna cry in December anymore. I'm going to become a tax expert on this. So what I do every single month is we have our overhead. We know what our overhead is. I know what Kiera's pay and comp is. So we take that. I also take taxes out of there. I have buckets set up of how much we're gonna put in of savings. I've got a BAM for our company. And I did not do this overnight. I make sure our collections are there, our productions there. We make sure that our overhead is in check based on industry standards. We start to trim away one or two or 3 % from there. So we trim and make sure we've got all of our ducks in a row. Our collections are at 98%, our production's where it needs to be based on the cost of the business and our overhead, we've trimmed it down, we're getting it to 50%. You can also get your overhead lower by increasing your production. Could I do better higher dollar per hour procedures? What can I do to get my dollar per hour up 50 or $100 per hour more? Can we do same day treatment that's gonna help our patients? Absolutely yes. What about our hygiene? Are we taking x-rays at the right time? Are we doing fluoride and fluoride therapy? Are we blocked scheduling correctly to make sure that we're hitting our numbers? Is our case acceptance, could we increase that? Yes, these are the ways that you get there and these are ways that you do it quickly. And so knowing your benchmarks, knowing how cash works, knowing how overhead works, knowing how this works, this is half the battle guys. Like just listening to the podcast high five, like pop the confetti. I wish I could like sprinkle confetti for you. This is half the battle. So you learning it and committing to like, want you, I have a doctor and we were like profit and production. That's all we're going for. And that's what we talk about because this is the base. If we can get your cashflow up guys, everything else falls into place. Like truly it really does. And then we're able to do more things because cash is there. We know you're taken care of. You're more stable and confident. And I remember Ryan Isaac with Dentist Advisors. He and I were chatting, gosh, we're probably talking like 2019, 2020. And he said, team members, you want your doctors to be so profitable because when a doctor is confident in their cash. they are confident in their business and they're not stressed out. Now, that doesn't mean that you can't have like spending problems. I've seen that with other doctors, like business is doing great, but we have a spending issue. That's a you issue and you need to like have discipline on that. But I will tell you being confident in your cash, being confident in your profit, being confident in your overhead, what those mean is half the battle. And this is what I actually obsess about. So we actually teach our doctors. ⁓ We have an overhead calculator. We look at your overhead every month. We have scorecards for you. We teach you, we look at it, we have goals that we set together. We look at your diagnosis, we look at your case acceptance, and we figure out which lever will be the fastest, easiest to move with you. And this is how we're able to do it with you guys. So reach out, commit to being like cash is king, profit and production. You are going to be a profitable practice and you're gonna make the money that you deserve to make and that you want to make. And we're gonna just do a backwards equation with you. We're gonna figure it out and we're gonna lock down. I have a CPA and she said, Kiera, I will recommend Dental A Team all day, every day. She said, you have made my clients more profitable than. any other consulting company, that's because we are going to be obsessive about profit and production and you getting your overhead down. So reach out, Hello@TheDentalATeam.com. And as always, thanks for listening. I'll catch you next time on the Dental A Team podcast.
The Dentist Money™ Show | Financial Planning & Wealth Management
What are the financial rules of thumb dentists should be following? On this episode of The Dentist Money Show, Matt and Will look critically at some of the most common financial guidelines for dentists. From housing costs and debt-to-income ratios to budgeting frameworks and insurance planning, they discuss where popular money guidelines can be helpful and where they fall short. They challenge conventional advice, popularized principles, and emphasize why personalized planning matters more than following rigid formulas. Tune in to learn how to make smarter, more nuanced financial decisions throughout your dental career. Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.
The Dentist Money™ Show | Financial Planning & Wealth Management
Welcome to Dentist Money Two Cents, a look at the latest financial and economic news from the past week. On this episode of Dentist Money's Two Cents, Matt, Will, and Rabih break down the latest developments surrounding the conflict with Iran and what it could mean for global markets and investors. They discuss how rising geopolitical tensions can influence oil prices, global supply, and why energy markets tend to react quickly to uncertainty. They explore the role of U.S. strategic petroleum reserves, broader energy policy decisions, and how markets historically respond during times of conflict. Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.
The Dentist Money™ Show | Financial Planning & Wealth Management
With the Oscars just around the corner, Matt, Jake, and Christine borrow a page from Rotten Tomatoes to rate some of the most common financial decisions dentists make. From 401(k)s and brokerage accounts to the often-overlooked importance of bookkeeping and financial organization, they break down which strategies actually hold up over time. They also dive into big-picture business decisions facing practice owners today, including marketing investments, expansion opportunities, DSOs, and the pros and cons of owning your practice building. Which financial strategies are fresh and which ones do we think deserve a thumbs-down? Listen to find out! Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.
The Dentist Money™ Show | Financial Planning & Wealth Management
Welcome to Dentist Money Two Cents, a look at the latest financial and economic news from the past week. On this episode of Dentist Money's Two Cents, Matt and Rabih explore what's really driving the American economy, from strong consumer spending in service sectors to the growing divide in economic experiences across income groups. They discuss the role of government spending, why tariffs haven't significantly reduced the national deficit, and what these trends mean for long-term financial stability. Finally, they talk about venture capital as an investment opportunity for dentists and break down the key differences between private and public markets. Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.
The Dentist Money™ Show | Financial Planning & Wealth Management
On this episode of The Dentist Money Show, Will Gochnour, CFP® and Christine Uhen, CEPA, break down the financial fundamentals every dentist needs to build a sustainable and profitable practice, with a focus on paying yourself the right way, managing cash flow, and making intentional money decisions. They explain why compensation should be predictable and tied to clear benchmarks, how new practice owners can navigate the "ugly duckling" phase, and why understanding your numbers is critical for long-term success. Tune in to learn how dentists can avoid common pitfalls and create a practice that works for them. Read the full article here! Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.
The Dentist Money™ Show | Financial Planning & Wealth Management
Welcome to Dentist Money Two Cents, a look at the latest financial and economic news from the past week. On this episode of Dentist Money's Two Cents, Matt, Sean, and Rabih talk about the major ruling from the United States Supreme Court that reclassified tariffs as a form of tax and discuss why the recent tariff reversal may be more market noise than a meaninful economic shift. They also explore the tax benefits of Health Savings Accounts (HSAs) and long-term value for covering medical costs in retirement. And finally, they unpack how solo 401(k)s and SEP IRAs work, why contributions limits matter, and the challenges of managing finances across multiple business entities. Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.
The Dentist Money™ Show | Financial Planning & Wealth Management
On this episode of The Dentist Money Show, Matt has a conversation with Carl Richards, CFP® about simplifying money and creating clarity in your financial life. Carl shares insights from his latest book Your Money, including how to spark meaningful conversations about money, why managing finances is a lifelong journey, and how attention plays a powerful role in both wealth-building and relationships. They explore the four sources of capital and discuss how personal values shape financial decisions. Tune in to get practical guidance for reducing financial stress and aligning your money with what matters most. Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.
The Dentist Money™ Show | Financial Planning & Wealth Management
Welcome to Dentist Money Two Cents, a look at the latest financial and economic news from the past week. On this episode of Dentist Money's Two Cents, Matt and Rabih discuss what dentists can learn from Japan's economic history and its ripple effects across global markets, including how forces like the Japanese carry trade and currency fluctuations shape financial stability worldwide. They also talk about the strength of the United States dollar, why asset allocation should evolve over time, and the hidden risks of holding too much cash. Tune in to hear about the importance of aligning decisions with individual goals, risk tolerance, and proactive asset management. Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.
The Dentist Money™ Show | Financial Planning & Wealth Management
On this listener Q&R (Question and Response) episode of the Dentist Money Show, Matt and Ryan answer questions that are impacting dentists today, including how direct indexing works, who it's best suited for, and why managing cash reserves has become more nuanced in today's market. They also discuss whether the traditional 4% retirement rule still holds up and explore how personal spending habits shape long-term financial success. Tune in to understand how building a financial plan that balances retirement security and using your money intentionally can create meaningful experiences along the way. Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.
The Dentist Money™ Show | Financial Planning & Wealth Management
Welcome to Dentist Money Two Cents, a look at the latest financial and economic news from the past week. On this episode of Dentist Money's Two Cents, Matt and Rabih break down the market landscape, Dow Jones hitting an all-time high, and they explain why institutional investors are shifting away from technology stocks. They also discuss the recent crash in silver, gold, and bitcoin, the importance of diversification in uncertain markets, and how strategic financial planning can help dentists stay focused on long-term goals. Finally, they talk about backdoor Roth conversions and explain why this strategy can be valuable for high-income earners. Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.
The Dentist Money™ Show | Financial Planning & Wealth Management
On this episode of The Dentist Money Show, Matt, Jake, and Will dive into what it really means for dentists to be retirement ready and why it's about much more than hitting a savings number. They explore why many dentists retire later than the average American, how spending habits can delay financial independence, and why starting the planning process early is critical for long-term success. Tune in to learn how balancing clear financial systems with meaningful relationships, hobbies, and a gradual transition out of work can help dentists build a retirement they're truly prepared for and excited about. Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.
The Dentist Money™ Show | Financial Planning & Wealth Management
Welcome to Dentist Money Two Cents, a look at the latest financial and economic news from the past week. On this episode of Dentist Money's Two Cents, Matt, Taylor, and Rabih kick things off with a few life updates before diving into key takeaways from the latest Federal Reserve meeting. They break down what those insights could mean for mortgage rates in the years ahead and what dentists should be paying attention to right now. They then talk about the changes in contribution rates for 2026 and important updates to be aware of. Finally, they talk about investment portfolio rebalancing and how to think about timing as you move closer to retirement. Learn more about the Dentist Money Launchpad Program, join the waitlist to learn everything you didn't learn about money in dental school through a series of live courses built exclusively for D4s and recent grads! Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.
The Dentist Money™ Show | Financial Planning & Wealth Management
On this episode of the Dentist Money Show, Ryan, Matt, and Cody reflect on 2025's biggest themes in dentistry and analyze the results from a recent survey sent out to Dentist Advisors' clients. They unpack the results of the quantitative benchmark data and what it reveals about dentists' income, spending, savings, debt, net worth, and retirement readiness across different age brackets and career stages. They explore how specialization impacts earnings, how student loans and practice debt shape cash flow, and what dentists' savings and investment balances look like in practice. Tune in to hear how dentists are really doing financially and what these numbers mean for building long-term wealth and retirement confidence. Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.
The Dentist Money™ Show | Financial Planning & Wealth Management
Welcome to Dentist Money Two Cents, a look at the latest financial and economic news from the past week. On this episode of Dentist Money's Two Cents, Jake, Will, Lauren, and Rabih talk about what the best investment of 2025 really was and why staying invested matters more than timing the market. Then they discuss why boomers tend to have less retirement savings than millennials, unpacking the shift from pensions to 401(k)s, the lasting impact of the Great Recession, and how automatic enrollment and modern investing tools may give younger generations a long-term edge. Finally, they explore commonalities between dentistry and college football as private equity enters both spaces. Learn more about the Dentist Money Launchpad Program, join the waitlist to learn everything you didn't learn about money in dental school through a series of live courses built exclusively for D4s and recent grads! Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.
The Dentist Money™ Show | Financial Planning & Wealth Management
On this episode of The Dentist Money Show, Matt, Jake, and Christine break down how dentists can set goals that stick by creating realistic, achievable plans built around daily habits. They explain why most New Year's resolutions fail, how setting too many goals can backfire, and why focusing on the process matters more than chasing outcomes. Tune in to learn how to build intentional goal systems, stay motivated all year long, and create lasting momentum in both your personal and professional life. Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.
The Dentist Money™ Show | Financial Planning & Wealth Management
On this short episode of The Dentist Money Show, Practice Strategist Christine Uhen, BA, CEPA, breaks down the five points of productivity and shares a proven framework for growing your dental practice's top line. From attracting more patients and improving case acceptance to financing treatment and building a consistent, high-producing schedule, she explains how smart systems and intentional strategy can help you increase productivity without simply getting busier. Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.
The Dentist Money™ Show | Financial Planning & Wealth Management
Welcome to Dentist Money Two Cents, a look at the latest financial and economic news from the past week. On this episode of Dentist Money's Two Cents, Jake, Will, and Rabih break down the topic surrounding Jerome Powell and the race for the next Fed chair, explain what the market is really pricing in for future interest rate cuts, and discuss why inflation still feels painful even as wage growth has technically kept up. They also react to Trump's proposal to cap credit card interest rates and what it could mean for credit access, rewards programs, and consumer behavior. Learn more about the Dentist Money Launchpad Program, join the waitlist to learn everything you didn't learn about money in dental school through a series of live courses built exclusively for D4s and recent grads! Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.
The Dentist Money™ Show | Financial Planning & Wealth Management
On this episode of the Dentist Money Show, Ryan, Matt, and Cody reflect on 2025's biggest themes in dentistry and analyze the results from a recent survey sent out to Dentist Advisors' clients. They unpack the results of the qualitative benchmark data and what it reveals about dentists' burnout, work schedules, vacations, and financial satisfaction. They discuss how dentists are defining their workload beyond clinical days, why leadership days can feel just as draining, and why burnout often persists even when dentists work fewer clinical days. Tune in to hear key takeaways about how dentists are feeling about their careers, work-life balance, vacations, savings, and more. And stay tuned for part two (coming soon!) which includes quantitative data like dentists' average savings rate, investment balance, net worth, and more! Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.
The Dentist Money™ Show | Financial Planning & Wealth Management
Welcome to Dentist Money Two Cents, a look at the latest financial and economic news from the past week. On this episode of Dentist Money's Two Cents, Matt, Taylor, and Rabih give a market update from a cooling job market and slowing GDP growth to the global implications of Venezuela's massive oil reserves. They also discuss the newly introduced "Trump accounts" for kids, exploring how these accounts aim to promote early saving and investing, along with the potential tax drawbacks families should understand before signing up. Finally, they talk about the U.S. housing crisis, including the shortage of single-family homes, new policies targeting institutional investors, and how future interest rate cuts could impact buyers. Learn more about the Dentist Money Launchpad Program, join the waitlist to learn everything you didn't learn about money in dental school through a series of live courses built exclusively for D4s and recent grads! Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.
The Dentist Money™ Show | Financial Planning & Wealth Management
On the final episode of a 5-part tax series of the Dentist Money Show, Tom Whalen, CPA joins Matt to break down tax planning strategies for dentists at every career stage, from early associates to practice owners nearing retirement. They explain how tax brackets and effective tax rates really work, why entity selection and timing matter, and the common mistakes dentists make when chasing deductions. This episode emphasizes the importance of proactive planning, building good habits early, and having clear communication with your advisory team as your income and career evolve. Whether you're just getting started or planning your next chapter, this episode will help you put your taxes in the right context and make smarter decisions. If you missed the last episodes of the tax series you can find them here and check out our 2025 year-end tax planning checklist for dentists for more guidance! Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.
The Dentist Money™ Show | Financial Planning & Wealth Management
On this episode of The Dentist Money Show, Matt, Jake, and Rabih explain why diversification is one of the most powerful tools in investing. Using historical data, they show why a globally diversified portfolio has a long history of positive long-term performance and why holding cash may be riskier than most investors realize. They highlight common misconceptions about risk and the danger of losing purchasing power over time. Tune in to understand how better education and portfolio optimization can lead to smarter long-term investing. Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.
The Dentist Money™ Show | Financial Planning & Wealth Management
On this listener Q&R (Question and Response) episode of the Dentist Money Show, Matt and Ryan break down what it really takes (financially and personally) to transition from general dentistry to a specialty. They explain why understanding lifestyle and location tradeoffs is just as important as analyzing income potential, what it means to be "work optional," and how to evaluate your readiness for a sabbatical or career reset. Whether you're considering a specialization, contemplating a move, or reassessing your long-term goals, tune in for clarity and perspective for building the career and life you truly want. Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.
The Dentist Money™ Show | Financial Planning & Wealth Management
Welcome to Dentist Money Two Cents, a look at the latest financial and economic news from the past week. On this episode of Dentist Money's Two Cents, Matt, Will, and Rabih discuss mixed economic signals affecting today's markets, including recent unemployment, inflation data, and a potential Santa Claus rally. They also talk about major trends shaping the dental industry, from the growing demand for convenience and the rise of teledentistry, emotional dentistry, 3D printing, and the expanding role of AI. They wrap up with predictions for the year ahead and a discussion about the Super Bowl LX. Learn more about the Dentist Money Launchpad Program, join the waitlist to learn everything you didn't learn about money in dental school through a series of live courses built exclusively for D4s and recent grads! Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.
The Dentist Money™ Show | Financial Planning & Wealth Management
On this episode of The Dentist Money Show, Matt and Rabih explain why successful investing starts with maximizing after-tax wealth, not chasing the lowest tax bill. They explore the common myth that returns and taxes deserve equal focus and show how overprioritizing tax savings can actually limit long-term growth. Tune in to learn a smarter, sequencing-based approach to financial planning so you can build more wealth over time. If you've ever felt torn between growing your portfolio vs. minimizing taxes, this episode will help you rethink your strategy. Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.
The Dentist Money™ Show | Financial Planning & Wealth Management
Welcome to Dentist Money Two Cents, a look at the latest financial and economic news from the past week. On this episode of Dentist Money's Two Cents, Matt, Taylor, and Rabih break down the Federal Reserve's latest projections, what slower GDP growth means for interest rates, and how current economic conditions affect the dental industry. They also talk about shifts in the dental workforce and address upcoming changes to student loan repayment as the SAVE plan nears its end. Learn more about the Dentist Money Launchpad Program, join the waitlist to learn everything you didn't learn about money in dental school through a series of live courses built exclusively for D4s and recent grads! Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.
The Dentist Money™ Show | Financial Planning & Wealth Management
On this special 10-year anniversary episode of The Dentist Money Show, Matt, Ryan, Will, Jake, Taylor, and Rabih revisit the 10 core financial principles that we still believe in today. They break down why many dentists still feel stressed even after hitting their income goals, how rising targets can create new layers of pressure, and why true satisfaction often comes from aligning expectations, not just increasing earnings. The conversation highlights the advisor's role in helping clients define meaningful financial goals, manage stress around money, and find confidence beyond the numbers. After over 700 episodes, millions of downloads, market cycles, and plenty of mistakes, tune in for 10 things we still believe 10 years later and stay tuned until the end for a special thank you and surprise! Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.
The Dentist Money™ Show | Financial Planning & Wealth Management
Welcome to Dentist Money Two Cents, a look at the latest financial and economic news from the past week. On this episode of Dentist Money's Two Cents, Matt, Jake, and Rabih break down key economic predictions for 2026 and highlight the possibility of a "new economy" marked by steady growth, stable interest rates, and consumer spending. They also talk about why home prices are unlikely to fall despite a challenging market for first-time buyers and examine shifting trends in cryptocurrency, including major outflows and Bitcoin's increasing separation from tech stocks. Learn more about the Dentist Money Launchpad Program, join the waitlist to learn everything you didn't learn about money in dental school through a series of live courses built exclusively for D4s and recent grads! Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.
The Dentist Money™ Show | Financial Planning & Wealth Management
On the fourth episode of a 5-part tax series of the Dentist Money Show, Tom Whalen, CPA joins Matt to break down why proactive, year-round tax planning is one of the most powerful tools dentists have for reducing stress and maximizing wealth. They explain the difference between playing offense and defense with your taxes, highlighting the common mistakes that lead to surprise bills, cash flow issues, and missed opportunities. Tune in to understand the importance of mastering quarterly tax payments, and why integrating your advisor and CPA can help avoid conflicting guidance. If you missed the last three episodes of the tax series you can find them here and check out our 2025 year-end tax planning checklist for dentists for more guidance! Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.
The Dentist Money™ Show | Financial Planning & Wealth Management
Welcome to Dentist Money Two Cents, a look at the latest financial and economic news from the past week. On this episode of Dentist Money's Two Cents, we have a Thanksgiving panel with Matt, Will, Jake, Lauren, and Rabih to reflect on the holiday, share timely market updates, and break down the shifting costs of a classic Thanksgiving dinner. They highlight the evolving Black Friday trends, with more shoppers moving online, and discuss how the Federal Reserve decisions are influencing market volatility. Finally, each panelist shares what they are grateful for, emphasizing health, resilience, and personal growth through a challenging year. Learn more about the Dentist Money Launchpad Program, join the waitlist to learn everything you didn't learn about money in dental school through a series of live courses built exclusively for D4s and recent grads! Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.
The Dentist Money™ Show | Financial Planning & Wealth Management
On this episode of The Dentist Money Show, Matt and Will break down how dentists can spot the warning signs before putting their money on the line and explain why clever sales pitches can make risky deals look appealing. They share how dentists can see past the hype by evaluating the real business model behind an investment and recognizing when excitement outweighs substance. This episode offers practical financial planning advice for dentists who want to protect their wealth, make informed investment choices, and build long-term financial confidence. Tune in to discover how to safeguard your money and peace of mind. Learn more about the Dentist Money Launchpad Program, join the waitlist to learn everything you didn't learn about money in dental school through a series of live courses built exclusively for D4s and recent grads! Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.
The Dentist Money™ Show | Financial Planning & Wealth Management
In our new TL;DR series episode, Jake reads his blog post where he explains that dividends are periodic payments made by companies to shareholders. He emphasizes that while dividends may feel like "free money," they're actually a return of the company's capital rather than pure profit, meaning your overall wealth may not increase simply by receiving them. Tune in to learn more about how dividends actually work. Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.
The Dentist Money™ Show | Financial Planning & Wealth Management
Welcome to Dentist Money Two Cents, a look at the latest financial and economic news from the past week. On this episode of Dentist Money's Two Cents, Matt and Rabih talk about the recent spike in market volatility and discuss how rising umemployment could influence future interest rate cuts from the Federal Reserve. They also talk about a real-world DSO fraud case in Colorado and remind listeners to be cautious and evaluate corporate risk. Finally, they share important updates to retirement contribution limits for 2026 and explain how the catch-up contributions can be valuable. Learn more about the Dentist Money Launchpad Program, join the waitlist to learn everything you didn't learn about money in dental school through a series of live courses built exclusively for D4s and recent grads! Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.
The Dentist Money™ Show | Financial Planning & Wealth Management
On this episode of The Dentist Money Show, Bryton Nield and Bob Spiel from Hiring Pros join Matt to unpack what it really means to hire with intention. They dive into why so many dentists struggle with hiring, how poor decisions can impact team culture and stress levels, and what steps practice owners can take to build a strong, cohesive team. They talk about how to define your ideal candidate and create a structured onboarding process. Tune in to learn how intentional hiring can transform your practice from the inside out. Check out Hiring Pros here! Learn more about the Dentist Money Launchpad Program, join the waitlist to learn everything you didn't learn about money in dental school through a series of live courses built exclusively for D4s and recent grads! Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.
The Dentist Money™ Show | Financial Planning & Wealth Management
Welcome to Dentist Money Two Cents, a look at the latest financial and economic news from the past week. On this episode of Dentist Money's Two Cents, Matt, Sean, and Rabih break down the ripple effects of the recent government shutdown. They also talk about the proposed 50-year mortgage, a policy aimed at improving housing affordability but also raises questions about long-term financial consequences. And finally, they touch on the end of the penny's production, discussing whether it may soon become more valuable as a collectible. Tune in for the past week's financial headlines! Learn more about the Dentist Money Launchpad Program, join the waitlist to learn everything you didn't learn about money in dental school through a series of live courses built exclusively for D4s and recent grads! Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.
The Dentist Money™ Show | Financial Planning & Wealth Management
On this episode of The Dentist Money Show, Carl Richards, CFP®, author of Your Money, joins Ryan to explore the emotional side of money and why even smart, successful people struggle to talk about it. They discuss how emotions influence financial decisions, why simplicity often beats complexity, and how understanding your values can lead to more meaningful money choices. Carl shares insights from his new book, "Your Money: Reimagining Wealth in 101 Simple Sketches," which uses simple sketches to inspire deeper human conversations about money. You can order Carl's new book here! If you would like to order in bulk, you can receive a 5% discount by using the code YourMoney5 at checkout here! Learn more about the Dentist Money Launchpad Program, join the waitlist to learn everything you didn't learn about money in dental school through a series of live courses built exclusively for D4s and recent grads! Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.
The Dentist Money™ Show | Financial Planning & Wealth Management
In our new TL;DR series episode, Will reads Lauren's article where she breaks down four key strategies to help dentists regain balance and confidence with their money: building a financial buffer, creating a personalized financial system, protecting long-term goals, and delegating to trusted professionals. This article highlights how intentional planning and smart delegation can reduce stress, prevent decision fatigue, and help dentists achieve lasting financial peace of mind. Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.
The Dentist Money™ Show | Financial Planning & Wealth Management
Welcome to Dentist Money Two Cents, a look at the latest financial and economic news from the past week. On this episode of Dentist Money's Two Cents, Matt, Jake, and Rabih discuss the growing risks surrounding NVIDIA, exploring how financial engineering and shifting market sentiment may be influencing its stock value. They also take a closer look at dividends—clearing up common misconceptions about their true nature and explaining why they're not simply "free money" but rather a return of capital. Finally, they analyze dentistry current trends in hiring, patient flow, and overall economic confidence among dentists. Learn more about the Dentist Money Launchpad Program, join the waitlist to learn everything you didn't learn about money in dental school through a series of live courses built exclusively for D4s and recent grads! Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.
The Dentist Money™ Show | Financial Planning & Wealth Management
On this episode of The Dentist Money Show, Matt and Christine explore one of the toughest parts of running a dental practice: hiring and managing associates. They discuss why many associateships fail to lead to ownership, the challenges that make partnerships tricky, and what dentists should consider before bringing on an associate. Tune in to learn how to navigate the challenges of hiring an associate. Learn more about the Dentist Money Launchpad Program, join the waitlist to learn everything you didn't learn about money in dental school through a series of live courses built exclusively for D4s and recent grads! Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.
The Dentist Money™ Show | Financial Planning & Wealth Management
In our new TL;DR series episode, Jake reads his blog post explaining that while making extra payments on your mortgage can reduce the total interest you pay and shorten the life of your loan, it's not always the best financial move. Tune in to learn whether you value the peace of mind that comes from eliminating debt or the long-term growth potential that comes from investing. Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.
The Dentist Money™ Show | Financial Planning & Wealth Management
Welcome to Dentist Money Two Cents, a look at the latest financial and economic news from the past week. On this episode of Dentist Money's Two Cents, Matt and Rabih unpack how the Federal Reserve's recent decisions have affected Wall Street, the growing impact of the government shutdown on healthcare costs, and explore why Halloween spending is projected to hit record highs this year. Tune in to hear what these economic shifts mean for dentists. Learn more about the Dentist Money Launchpad Program, join the waitlist to learn everything you didn't learn about money in dental school through a series of live courses built exclusively for D4s and recent grads! Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.
The Dentist Money™ Show | Financial Planning & Wealth Management
On this episode of The Dentist Money, Matt and Jake return for part two of the most common financial myths that often mislead dentists. From the illusion of "secret investments" to why focusing on your dental career—not chasing financial shortcuts—is key to building wealth, they break down what really drives long-term success. They also explore the downsides of DIY (do-it-yourself) financial management, and the peace of mind that comes from outsourcing to trusted financial professionals. Learn more about the Dentist Money Launchpad Program, join the waitlist to learn everything you didn't learn about money in dental school through a series of live courses built exclusively for D4s and recent grads! Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.
The Dentist Money™ Show | Financial Planning & Wealth Management
Welcome to Dentist Money Two Cents, a look at the latest financial and economic news from the past week. On this episode of Dentist Money's Two Cents, Matt and Rabih unpack the latest economic developments—from rising inflation to shifting market sentiment. They break down the recent CPI report, the strong earnings season from S&P 500 companies, and growing concerns in the banking sector amid rising loan defaults. They also discuss how consumer confidence and spending are being shaped by “inflation fatigue,” and how even a single economic data point can move markets. Learn more about the Dentist Money Launchpad Program, join the waitlist to learn everything you didn't learn about money in dental school through a series of live courses built exclusively for D4s and recent grads! Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.
The Dentist Money™ Show | Financial Planning & Wealth Management
On this episode of The Dentist Money Show, Matt and Ryan break down what dentists need to know about retirement planning. They explore the different types of retirement accounts—from 401(k)s and simple IRAs to profit-sharing and defined benefit plans and explain how each fits into a broader financial strategy. Matt and Ryan also touch on the behavioral side of retirement planning, sharing why consistency and professional guidance are important to building wealth and avoiding costly mistakes. Learn more about the Dentist Money Launchpad Program, join the waitlist to learn everything you didn't learn about money in dental school through a series of live courses built exclusively for D4s and recent grads! Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.
The Dentist Money™ Show | Financial Planning & Wealth Management
Welcome to Dentist Money Two Cents, a look at the latest financial and economic news from the past week. On this episode of Dentist Money's Two Cents, Matt and Rabih dive into the growing importance of rare earth metals and their geopolitical impact, exploring how China's dominance in mining and refining gives it a major advantage over the U.S. They also discuss how the government shutdown is disrupting industries and talk about the upcoming 401(k) contribution changes, and what these updates mean for financial planning. Learn more about the Dentist Money Launchpad Program, join the waitlist to learn everything you didn't learn about money in dental school through a series of live courses built exclusively for D4s and recent grads! Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.
The Dentist Money™ Show | Financial Planning & Wealth Management
On this episode of the Dentist Money Show, Matt and Ryan discuss some of the most common financial myths that often mislead dentists. From misconceptions about the stock market and market timing to the belief that maxing out a 401k is enough for retirement. They break down why these myths persist and how they can undermine long-term financial health. Tune in to hear why strategies like diversification, maintaining liquidity, and following a disciplined investment plan are important for financial growth. Learn more about the Dentist Money Launchpad Program, join the waitlist to learn everything you didn't learn about money in dental school through a series of live courses built exclusively for D4s and recent grads! Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.
The Dentist Money™ Show | Financial Planning & Wealth Management
In this special edition, we are sharing a No BS Dental Growth podcast episode where Ryan joins Chris Pistorius from KickStart Dental Marketing to break down why many dentists retire later than average, the real math behind knowing how much you need to retire, and the biggest money myths holding dentists back. Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.