Debt Free Dr
Debt Free Dr
To help other dentists obtain financial independence within 5-7 years by investing in passive real estate investments.
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DebtFreeDr
DebtFreeDr

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401k Alternatives: What to Do If a 401(k) Isn’t Enough
For years, the 401k has been marketed as the default path to retirement (especially for dentists/doctors). Max it out, invest in mutual funds, and wait until your 60s. For some people, that works just fine. But for many high-income professionals, business owners, and independent contractors, 401k...  Read More
The 6 Money Truths I Wish I Knew 10 Years Ago
Ten years ago, I thought success was simple. Make more money. Produce more. Collect more. As a dentist, I believed that if I just worked harder, everything would eventually fall into place. Then I injured my hand skiing. And overnight, I learned a lesson I wish someone had taught me much earlier:...  Read More
What Is a Qualified Intermediary For a 1031 Exchange?
A qualified intermediary (QI) is the key to a successful , the IRS requires that a neutral exchange intermediary step in and handle the money and paperwork. Miss this step—or choose the wrong QI—and the exchange can fail, triggering a large tax bill. This guide explains what a qualified...  Read More
The Simple Path To Wealth Summary by JL Collins
If you’ve ever felt overwhelmed by investing, you’re not alone. The financial world is made out to be complex and full of people telling you there’s a “better” or more advanced way to build wealth. That’s why resonates with so many readers. The book breaks down the core ideas in plain English and...  Read More
How to Retire Early: Practical Steps to Financial Independence
The dream of retiring early is a powerful one—leaving the daily grind behind to travel, pursue passions, or simply enjoy more time with family. For many it feels like a distant fantasy, reserved for the ultra-wealthy or those willing to live on a shoestring budget for decades. But what if the path...  Read More
Real Estate Syndication Investment Opportunities: Investor’s Guide
Real estate syndication investment opportunities are one of the most powerful ways I’ve seen investors (including myself) build passive income and long-term wealth without becoming landlords. I didn’t start out investing this way. Like many people, I assumed real estate meant owning a rental...  Read More
How to Pay Off Your Mortgage Faster: Practical Steps
If you’ve ever wondered the most brilliant way to pay off your mortgage, you’re not alone. Homeowners often feel torn between making extra mortgage payments, investing extra money, or keeping cash on hand for peace of mind. The truth is, the best way to pay off a mortgage isn’t...  Read More
Financial Order of Operations: The Ultimate Money Guide
If you’ve ever felt unsure about what to do first with your money, you’re not alone. Nobody told me what to do while in dental school (they only taught me how to make it!) Many people earn a good income, save a little, invest a little, pay down some debt, yet still feel stuck. That’s where...  Read More
Who Needs a Trust Instead of a Will? Key Differences Explained
When it comes to estate planning, many people assume that having a will is enough (that’s what I thought when I first got out of dental school). A will is important, but it isn’t always the best or most complete solution, especially if you want control, privacy, and flexibility. In many situations,...  Read More
Real Estate Professional Tax Benefits for High-Income Professionals
For many high-income professionals, the biggest financial surprise isn’t how much money they make — it’s how much they lose to taxes every year. Physicians, dentists, business owners, and executives often reach a point where income is no longer the problem. The real issue becomes how to keep more...  Read More
How To Save For Retirement Without a 401k
How To Save For Retirement Without a 401k For many professionals, the traditional retirement story goes something like this: go to school (for me, it was dental school), work hard, contribute to your 401(k), and hope everything works out by the time you reach your golden years. But for high...  Read More
Passive Income vs Active Income: What’s the Difference Explained
Before you read this, let me be honest with you. If you are a visual learner, or you want to hear this story exactly how I lived it, I strongly recommend watching the video version first. It is one of the most important conversations I have ever had about money, risk, and freedom.  If you prefer...  Read More
Selling Your Dental Practice: DSO Options and Next Steps
Selling your dental practice is one of the biggest financial and professional decisions you will ever make. For many dentists, it represents decades of hard work, patient relationships, and personal sacrifice. It is not just a business transaction; it’s the handoff of something you built from the...  Read More
Is Being a Dentist Worth It?
For many people, dentistry seems like an amazing career. It pays well, offers job stability, and allows them to help people improve their health. But what most people don’t realize is the amount of time, money, and effort it takes to become a dentist. The years of schooling, student loan debt, and...  Read More
What are the Best Passive Income Investments?
Passive income has become one of the most powerful tools for high-income earners who want more freedom, less stress, and a faster path to financial independence. The right passive income investments can create steady income, help you grow long-term wealth, and reduce how much you rely on active...  Read More
Selling to a DSO: Essential Pros and Cons for Dental Practice Owners
Thinking about selling your dental practice or partnering with a DSO… but not fully sure if it’s the right move? With everything changing quickly in the dental industry, it’s normal to feel uncertain about what to do next. Selling a practice is one of the most significant decisions a dental...  Read More
RV Park Investment: Why This Real Estate Move Is Worth It
If you’re someone who feels like you’ve been trading time for money your entire career, I get it. For years, I felt that same pressure. Long days, clinic stress, and the reality that a high income doesn’t automatically equal financial freedom eventually pushed me to look for better ways to create...  Read More
How to Invest in Mobile Home Parks: A Guide for New Investors
If you’re looking for strong cash flow, high demand, and one of the most overlooked real estate investments, mobile home parks (MHPs) deserve your attention. Many real estate investors who once focused on single-family homes, apartment buildings, or other commercial real estate sectors are now...  Read More
Can You Really Grow From 1 Office to 10 Without Burning Out?
If you’ve ever wondered how some dentists explode from one small practice to multiple thriving locations, you’re not alone. Most dentists want growth—more freedom, more opportunity, and more control—but the road to get there usually feels confusing, expensive, and overwhelming. But here’s the good...  Read More
Categories: Office Design
Income Producing Assets That Generate Cash Flow For Dentists
If you’re a high-income professional — a doctor, dentist, or business owner — chances are you’ve been told to save more and max out your 401(k). But what if the real path to financial independence isn’t saving harder — it’s owning income producing assets that pay you every month? That’s how I went...  Read More
What Is Passive Income (and Why It’s the Key to Freedom)
What would happen if your income stopped tomorrow? Most high-income professionals—especially doctors, dentists, and business owners spend years building successful careers. But when everything depends on your ability to show up and work, it only takes one accident, diagnosis, or bad day for your...  Read More
Is Being Debt-Free the Same as Financial Freedom?
For years, I believed “debt-free” meant “free” as I was a huge Dave Ramsey follower out of dental school. No more student loans. No more credit cards. No car loans. No mortgage. I was living the dream, or so I thought. Then, at 40 years old, I took a ski trip that changed everything. A quick fall,...  Read More
Dental CPA vs General CPA: Why Dentists Need the Right Financial Partner
Most dentists assume any CPA firm can handle their taxes and bookkeeping. After all, numbers are numbers, right? Not exactly. When I started my perio practice, I hired a local CPA who came highly recommended. He worked with restaurants, construction companies, and a few law firms. He was smart but...  Read More
Most high-income earners spend decades chasing the wrong goal. They work harder, earn a high income, save diligently in retirement accounts, and hope that someday the nest egg will be enough to finally buy freedom. But here’s the truth: You can be rich and still have zero financial security. You...  Read More
Top 10 Financial Mistakes to Avoid for High-Income Earners
When most doctors and dentists finish training, they finally start earning real money after years of long hours and low pay. The natural reaction? Reward yourself! A new home. A new car. Maybe even a few luxury purchases to make up for lost time. The problem is that this is also when most...  Read More
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