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

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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
How Does a K-1 Loss Affect My Taxes? A Simple Guide
If you’ve ever received a , you might’ve noticed a loss reported on it—and wondered, “How does this affect my taxes?” The answer isn’t as straightforward as you might hope, but understanding it could help you reduce your tax liability and plan smarter for the future. A K-1 loss doesn’t just vanish....  Read More
What Is Real Estate Syndication? A Beginner’s Guide
Real estate syndication is a powerful way for high-income earners like doctors and dentists to tap into commercial real estate opportunities, without managing properties themselves. Imagine pooling your money with a group of other investors to buy an apartment complex, an RV park, or a mobile home...  Read More
I Followed Dave Ramsey for 7 Years—Here’s Why I Switched
Do you ever wonder if the financial advice you’re following is actually setting you free, or just keeping you busy? After dental school, I had over $300,000 in student loans, zero investing knowledge, and big financial goals. So, like many, I turned to Dave Ramsey’s Baby Steps. His voice was...  Read More
The Income Factory: An Investor’s Guide to Cash Flow
How to Build Monthly Income with Steven Bavaria’s Income Factory What is the Income Factory? The Income Factory is a cash-flow-focused investment strategy by Steven Bavaria. It shifts the goal from growing portfolio value to generating monthly income through high-yield assets like closed-end...  Read More
Discover the Best Dividend ETFs for Passive Income in 2025
Discover the Best Dividend ETFs for Passive Income in 2025 Are you tired of juggling work, life, and complicated investment decisions? What if there were an easy way to earn passive income, without managing properties or picking individual stocks? If you’d rather watch a video instead of reading...  Read More
How to Make Passive Income with Mobile Home Park Investing
What if you could earn consistent cash flow from real estate—without managing tenants, owning homes, or needing millions to get started? That’s the appeal of mobile home park investing, and it might be one of the most overlooked strategies for creating passive income and long-term growth in today’s...  Read More
How the Augusta Rule Lets You Earn Tax-Free Rental Income
How the Augusta Rule Lets You Earn Tax-Free Rental Income The Augusta Rule, officially known as IRS Section 280A(g), is a lesser-known provision in the U.S. tax code that allows homeowners to rent out their personal residence for up to 14 days per year and not report the income on their federal tax...  Read More
How To Invest $1 Million Dollars For Monthly Passive Income
Are you looking to turn a lump sum into monthly cash flow? Investing a million dollars for monthly income can feel overwhelming, but it doesn’t have to be. Whether you’re a high-income professional preparing for early retirement or someone who wants to replace earned income with passive cash flow,...  Read More
Real Estate vs Stocks: Which Is the Better Long-Term Investment?
When it comes to building wealth, few debates are as enduring as real estate vs. stocks. Both are well-known investment options with a long history of creating financial success, but they take very different paths to get there. Whether you’re looking to build passive income, diversify your...  Read More
How the Trump Capital Gains Tax Plan Could Reshape Real Estate Investing
Are you prepared for the biggest tax shift real estate investors have seen in years? If you invest in real estate or plan to, the proposed changes to the Trump capital gains tax could open a rare window of opportunity from 2025 through 2029. These changes could allow investors to keep more of their...  Read More
How to Buy a Million Dollar Home—Without Going Broke
Buying a million-dollar house is often seen as a sign that you’ve “made it.” But for many high-income earners—like doctors, dentists, and attorneys—it can quietly sabotage your path to financial freedom. You may be able to afford the monthly payments today, but what about the long-term cost?...  Read More
Don’t Buy a Mobile Home Park Until You Know These 3 Mistakes
Thinking About Buying a Mobile Home Park? Read This First. Does the thought of owning a mobile home park excite you… or freak you out? If you’re like most people, you’ve probably heard it’s a great way to create passive income—but maybe you’ve also heard horror stories or worry it’ll be a...  Read More
Real Estate Syndication vs REIT: Which Is Right for You?
Real estate investing often feels like a secret club where the handshake involves phrases like syndication and REITs. If you’re new to the space, these terms might sound confusing, but they’re simply two different ways for you to invest in large real estate assets like apartment buildings, office...  Read More
Best Passive Investments to Help Dentists Buy Back Your Fridays
What if you could start your weekend every Thursday, without taking a pay cut? For high-income professionals like dentists and doctors, burnout from long workweeks is common. But here’s the good news: you don’t need millions to take back your time (like the advisors lead us to believe!!). You just...  Read More
Mobile Home Park Investing for Beginners
Mobile Home Park Investing for Beginners If you’re new to real estate investing and think everything is out of reach, think again.  is one of the most affordable and overlooked ways to get started. No huge down payments, no granite countertops to remodel, just smart cash flow potential and a path...  Read More
Investing in ETFs for Beginners: Best Funds and Strategies
Investing in ETFs for Beginners: Best Funds and Strategies I recently started investing in dividend-paying ETFs for passive income to supplement the  portfolio. If you’re new to the ETF game, then this article is for you.   Don’t Miss Any Updates. Each week I’ll send you advice on how to reach...  Read More
It’s Time to Stop Trading Time for Money – Here’s How
Are You Still Getting Paid Just Once for Every Hour You Work? If you’re a doctor, dentist, or other high-income earner—ask yourself: What happens to your income if you stop working tomorrow? That question changed my life. For years, I thought I was doing it right—working hard, earning well, and...  Read More
Why a Dividend Investing Strategy Belongs in Your Portfolio
When I first became a, I thought I had made it—good income, steady work, and a clear path forward. But a skiing accident that injured my wrist shook everything. I realized how fragile my financial security was—and that I was only one accident away from being unable to provide for my family. That...  Read More
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