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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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
Financial Freedom Definition: What It Means and How to Reach It
Financial freedom means you have enough income and investments to pay for your living expenses without being controlled by a traditional job. In simple terms, your money gives you choices (work is now OPTIONAL). You can work because you want to, not because you have to. That is the popular...  Read More
How Dentists Can Build Financial Freedom Without Relying on a 401(k) (Interview)
Are you maxing out your 401(k) — yet still wondering if that’s really going to make you financially free? If you’d rather watch than read, check out the full YouTube interview with Dr. Mike Mackney — a dentist who’s building wealth outside of Wall Street — right here ?? Most dentists follow the...  Read More
Are Mobile Homes a Good Investment? The Truth About This Overlooked Asset
When I first started investing in real estate, nearly everyone told me the same thing: “Start with single-family homes or apartments. That’s where the money is.” They were partly right, both are proven paths to wealth. But there’s another real estate asset class that’s quietly produced some of the...  Read More
How to FI: A Step-by-Step Guide to Achieving Financial Independence
When I first heard the term “FI,” short for financial independence, I was still working full-time as a periodontist. I had already paid off my student loans and built some savings, but I realized something important: being debt-free isn’t the same as having FREEDOM. Like many doctors and dentists,...  Read More
Dave Ramsey’s Baby Steps: A Dentist’s Path To Financial Freedom
I still remember exactly where I was when I first heard The Dave Ramsey Show. I was a young dentist in New Orleans, completing my residency, with more than $250,000 in student loan debt. Like most new doctors, I figured a higher household income would eventually fix everything. It didn’t. When I...  Read More
Passive Real Estate Investing Guide: Your Path to Financial Freedom
If you think you need to be a full-time landlord to earn income from real estate, think again. I learned after 10 years of practicing dentistry that we can build wealth on the side while still treating patients without dealing with tenants. That’s the beauty of passive real estate investing. It...  Read More
General Partner vs Limited Partner: Key Differences in Real Estate
If you’ve ever invested in a  or are thinking about it, you’ve probably heard the terms general partner and limited partner. Understanding the difference between the two is for anyone who wants to invest confidently and know how their money and liability are handled. In this article, we’ll break...  Read More
Real Estate Syndication: An Accredited Investor’s Guide
If you’ve ever dreamed of owning real estate but hate the idea of dealing with tenants, maintenance calls, or broken toilets in the middle of the night, there’s a smarter way to invest. It’s called , and it allows you to partner with other investors to buy large, income-producing properties like...  Read More
Why Paying Off Your Mortgage Early Is a Bad Idea
What if paying off your house was actually the worst financial move you could make for retirement? I know that sounds backwards. For decades, we’ve been told the dream is to own our home free and clear before we retire. “A paid-off home equals peace of mind.” That’s what financial gurus have...  Read More
Tax-Free Retirement Account: Income That Builds Wealth and Cuts Taxes
Imagine saving for retirement, watching your nest egg grow, and when the time comes to enjoy it, you get to keep every dollar. No IRS bill.  That’s the promise of a tax-free retirement account. It’s one of the smartest ways to reduce your long-term tax burden, especially if you’re a high earner in...  Read More
How Dentists Can 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. It’s not about quitting your career tomorrow (unless you want to!). It’s...  Read More
How to Use 100% Bonus Depreciation to Slash Taxes and Build Wealth
Are you leaving thousands of dollars in tax savings on the table? With Trump’s new tax bill bringing back —this time making it permanent—real estate investors and business owners have a massive opportunity to cut taxes and accelerate wealth. If you’d rather watch a breakdown with my CPAs, Brandon...  Read More
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 years—and it’s not just limited...  Read More
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...  Read More
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 when it comes to responsibility,...  Read More
How to Raise Capital for Real Estate Syndication
Raising capital for real estate is one of the most powerful tools high-income professionals can use to build long-term wealth, without becoming full-time landlords. If you’ve ever looked into real estate investing but didn’t want the hassle of managing tenants or fixing toilets, this article is for...  Read More
How to Calculate Your Financial Independence Number
Think you need $2 to $5 million to retire early? That’s a myth, and it’s keeping too many people stuck in jobs they don’t love. The real path to  isn’t about chasing a big net worth. It’s about figuring out your financial independence number—the amount of passive income you need each month to cover...  Read More
Trump’s New Tax Bill: Big Bonus for Real Estate Investors
The Tax Cuts and Jobs Act (TCJA), sometimes called President Donald Trump’s “big beautiful bill,” brought significant changes that shook up the entire real estate industry. From  to expanded deductions, these new rules transformed how investors approach deals, structure entities, and plan their...  Read More
Build Income That Doesn’t Rely on You: Make Work Optional with Passive Income
Do you ever feel like your life stops the second you stop working? Like you’re stuck in a loop where your income completely depends on you showing up every day? For most high-income earners, taking time off means watching money fly out the door. The day you leave the office is the day the income...  Read More
7 Passive Income Ideas for Dentists (That Don’t Involve Seeing More Patients)
You worked hard to become a doctor—but is your income truly working for you? I get it—because I was in your shoes as a periodontist who spent years following the traditional path: go to dental school, rack up student loan debt, build a successful practice, and save aggressively for retirement. Like...  Read More
How to Earn Passive Income in Real Estate Investing as a Dentist
If you’re new here, I’m Dr. Jeff Anzalone—a periodontist who used to rely 100% on active income from my practice. Like many high-income professionals, I thought the only path to retirement was grinding away for 30+ years, maxing out my 401(k), and hoping it would be enough. That all changed when I...  Read More
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