Category: Personal Finance
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Retirement Life: How to Adjust & Prepare Before It’s Too Late
Retirement Life: How to Adjust & Prepare Before It’s Too Late Have you ever wondered how long does it take to adjust to retirement? You’ve spent decades grinding it out—late nights, long shifts, managing patients, staff, and maybe even your own practice. You’ve saved, invested in your 401(k) or mutual funds, and told yourself, “Once…
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Should You Max Out 401k to Reach Retirement Goals?
Should You Max Out Your 401k to Reach Retirement Goals? So, you’ve stumbled upon the big question: should you max out 401k? It’s like standing at a buffet, eyeing that extra dessert—you know it might be a good idea, but should you really pile your plate high? For many retirement savers in the United States,…
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VOO vs SPY ETFs: Key Differences to Know Before You Invest
VOO vs SPY ETFs: Key Differences to Know Before You Invest If you’ve been looking at ways to invest in the U.S. stock market without picking individual stocks, chances are you’ve come across two popular exchange-traded funds (ETFs): VOO vs SPY Both of these funds give you broad exposure to the largest companies in the…
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How to Build a Work Optional Lifestyle for Early Retirement
How to Build a Work Optional Lifestyle for Early Retirement Have you ever asked yourself: Do I really want to work the rest of my life, or do I just feel like I have to? I know I have shortly after starting my dental practice. That question is at the heart of becoming work optional.…
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Debt Free Lifestyle Habits for Financial Freedom
Debt Free Lifestyle Habits for Financial Freedom Are you chasing the debt-free lifestyle, thinking that once you’ve paid off all your debt, you’ll finally have freedom? No more monthly payments, no more financial stress, and total peace of mind. That’s what I thought too. By 38, I was 100% debt free. I had followed Dave Ramsey’s steps, paid…
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Die With Zero Summary: Bill Perkins Book Review on Money
Die With Zero Summary: Bill Perkins Book Review on Money What If You’re Saving for the Wrong Goal? What if you spent your entire life saving for retirement, only to realize you never actually lived? That’s the trap I almost fell into. After dental school, a financial adviser gave me what he called the “safe…
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How to Build a Passive Income Empire for Financial Freedom
How to Build a Passive Income Empire for Financial Freedom Picture this: you’re sipping coffee in the morning, sunlight streaming in, and instead of worrying about your next shift or client meeting, you check your bank account and see deposits from multiple passive income streams—all earned while you were still asleep. That is the power…
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Are Doctors Rich? The Real Reason They Don’t Feel Wealthy
Are Doctors Rich? The Real Reason They Don’t Feel Wealthy Do you think doctors are swimming in piles of cash? The answer may surprise you. In the United States, doctors often get pegged as some of the richest people around. But looking beyond the headline salary numbers reveals a much more complicated reality. Whether doctors…
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The Hidden Retirement Gap Keeping High-Income Earners Stuck
The Hidden Retirement Gap Keeping High-Income Earners Stuck Are You Earning a Great Income… But Still Feel Trapped? You’re making $300K… $500K… maybe even $700K a year. But deep down, you know something’s off. Why does it still feel like you can’t slow down?Why does the idea of stopping work early seem impossible? If that…
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Should You Register Your Vehicle in Montana?
Should You Register Your Vehicle in Montana? You’re sitting at a red light and spot it: a Montana license plate on a Lamborghini in the middle of Southern California. You think, Wait a second, why does everyone with a supercar have Montana plates? You’re not imagining it. This has become a real thing in recent…
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Rich Dad’s Cashflow Quadrant Explained: A Quick Guide
Rich Dad’s Cashflow Quadrant Explained: A Quick Guide Have you ever wondered how wealthy people seem to have more time and money—while you’re still trading hours for dollars? If you’re a doctor, dentist, or other high-income earner, this might sound familiar: you’ve worked hard, followed the traditional education path, and got a “good job.” But…
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Pros and Cons of Being a Dental Practice Owner vs Associate
Pros and Cons of Being a Dental Practice Owner vs Associate You’re getting ready to graduate dental school, but now comes a big decision: Should you start your career as an associate dentist or aim to become a practice owner? At first glance, they might sound interchangeable, but there are big differences between the two…
