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Financially Free Dentists — Business
Financially Free Dentists

Are you a dentist with student loans? Join Jake Courtney, CFP®, CSLP® from financial planning firm SLP Wealth (who specializes in working with 6-figure student loan debt borrowers) on a journey for dentists eager to take control of their financial futures—without the pain of a dental drill! Each episode explores the unique challenges and opportunities in dentistry, offering insightful tips and plenty of laughs (because finance doesn’t have to be boring).

From managing debt to smart investing to practice management, we cover everything essential and outrageous. Because financial health for a dentist is about crafting a career and lifestyle that makes you and your patients smile.

Whether you’re an associate fresh out of dental school or a seasoned practice owner wanting to work fewer clinical hours, our practical advice and casual banter will get you on the right track. Subscribe now and join us to learn how to make your money work as hard as you do—because getting your finances in shape doesn’t need to feel like a root canal!

Latest Episodes:

SLPW Survey: What 850+ Dentists Told Us About Their Money & Mindset in 2026 Sep 30, 2026

Show notes

How does your financial life compare to other dentists? We surveyed over 800 dentists and dental specialists about income, investing, debt, and how confident they feel about reaching their financial goals. We compare income by specialty, show how much practice ownership pays, and look at why some dentists have more invested wealth at the same income.

You’ll also hear what worries dentists most, from insurance reimbursement cuts to DSOs, and which financial habits make the biggest difference.

Key moments:

(03:48) Comparing income by dental specialty and the wide gap for owners

(06:51) Confidence hitting financial goals, and why owners feel more secure

(12:32) Dentists with more debt often worry less — here’s why that happens

(13:09) Insurance reimbursement cuts top the list of profession-wide concerns

(36:27) Dentists with the same income, but more invested wealth — what’s different

Managing your finances doesn’t need to be painful. Book a free intro call today. Just browsing? Learn more about us at SLP Wealth.

Like the show? There are several ways you can help!

Follow on Apple Podcasts, Spotify or Amazon Music
Leave an honest review on Apple Podcasts
Follow us on YouTube at Financially Free Dentists

Time to Let Go of Your 3% Mortgage Sep 23, 2026

Show notes

If you locked in a 3% mortgage back in 2020 or 2021, you’re likely staring down a tough choice: stay put in a cramped house to keep that rate, or move to a better fit and face today’s 7% mortgages. This is the dilemma for a lot of mid-career dentists whose families are outgrowing their starter homes. Everyone told you never to give up your ultra-low mortgage — but what if holding on to it is actually costing you more in ways that don’t show up on a spreadsheet? Learn how to run the numbers and make a lifestyle call that fits both your finances and your family.

Key moments:

(03:07) Why the 3% mortgage feels sacred, and what it’s really costing you

(06:35) Using a HELOC or home equity loan for renovations, and the cash limitations you’ll hit

(11:48) How home appreciation and equity impact your ability to add on or move up

(14:08) Non-financial reasons to move: school districts, safety, and family space

(19:01) What happens to your financial independence timeline if you buy the bigger house

Managing your finances doesn’t need to be painful. Book a free intro call today. Just browsing? Learn more about us at SLP Wealth.

Like the show? There are several ways you can help!

Follow on Apple Podcasts, Spotify or Amazon Music
Leave an honest review on Apple Podcasts
Follow us on YouTube at Financially Free Dentists

Revenue Isn't Your Paycheck Sep 16, 2026

Show notes

Cash builds in your business account every month. How much of it is actually yours to take home, save, or invest? Most practice owners and 1099 associates can’t answer that with confidence. Learn exactly how to pin down your real take-home income and set up a system that makes your finances predictable and automated, even as your practice and profit grow.

Key moments:

(06:07) How 401(k) loans really work, and the real cost you might not see

(10:13) Why S corps make practice owner income so confusing (and what to do)

(13:09) How much cash to keep in your business, and when to take distributions

(20:32) Measuring practice income over time and knowing when to increase your pay

(22:54) Signs your system needs a tweak, from tax bills to business expansions

Links mentioned in this episode:

Managing your finances doesn’t need to be painful. Book a free intro call today. Just browsing? Learn more about us at SLP Wealth.

Like the show? There are several ways you can help!

Follow on Apple Podcasts, Spotify or Amazon Music
Leave an honest review on Apple Podcasts
Follow us on YouTube at Financially Free Dentists

The Roth Hype Is Overblown (For You, Specifically) Sep 09, 2026

Show notes

If you're a dentist deciding between Roth and pre-tax retirement contributions, the answer you get on social media is usually “Roth is always better.” The reality is, choosing the wrong account could cost you tens of thousands in lost tax savings, especially if you’re in a high tax bracket or on an income-driven repayment (IDR) plan. Learn when Roth makes sense, when it doesn’t, and how to know which contribution type fits your income, your loan plan, and your retirement timeline.

Key moments:

(08:46) How Roth vs. pre-tax contributions actually work for dentists

(13:04) Why pretax can be valuable for dentists with student loans

(20:03) When Roth still makes sense

(23:51) Early retirement creates another advantage for pretax

Managing your finances doesn’t need to be painful. Book a free intro call today. Just browsing? Learn more about us at SLP Wealth.

Like the show? There are several ways you can help!

Follow on Apple Podcasts, Spotify or Amazon Music
Leave an honest review on Apple Podcasts
Follow us on YouTube at Financially Free Dentists

Dentist Financial Fantasy Draft with Travis Hornsby Sep 02, 2026

Show notes

There’s a lot of noise about inflation, government spending, and passive income “tricks”—but none of that matters as much as the fundamentals. This conversation is for dentists who want to know which everyday financial decisions genuinely push you closer to financial independence and which ones just distract you. You’ll walk away able to prioritize what matters most so you don’t waste years chasing small wins or getting stuck on the wrong risks.

Key moments:

(05:57) Why inflation isn’t the existential threat for dentists that headlines claim

(13:34) The “fantasy draft” for dentist financial moves, and what actually matters

(18:00) Why working three clinical days a week is more achievable than you think

(24:24) Long-term disability coverage: the underrated risk most dentists skip

(29:38) Rental properties versus doubling down on your practice income

Managing your finances doesn’t need to be painful. Book a free intro call today. Just browsing? Learn more about us at SLP Wealth.

Like the show? There are several ways you can help!

Follow on Apple Podcasts, Spotify or Amazon Music
Leave an honest review on Apple Podcasts
Follow us on YouTube at Financially Free Dentists

Beyond the 401(k): Brokerage Accounts for Dentists Aug 26, 2026

Show notes

Most dentists know the playbook for their 401(k) and Roth IRA. But what should you do after you’ve checked those boxes, have extra cash building up, and want to use your money flexibly before retirement? This week, I break down why taxable brokerage accounts fill that gap, how they work, and the mistakes I see most often when dentists open one.

You’ll learn where the line falls between investing and gambling (including the rise of sports betting as a “strategy”), when you actually need a brokerage account, and how taxes, account titling, and estate planning should shape your decisions.

Key moments:

(02:12) The line between gambling and investing is becoming blurred

(10:47) What a brokerage account is, and why it matters after maxing your 401(k) and Roth

(13:13) Five reasons dentists use brokerage accounts, and which apply to you

(19:34) How taxes work in brokerage accounts, and the phantom tax bill to avoid

(29:01) Two common brokerage account mistakes dentists make, and how to dodge them

Links mentioned in this episode:

Managing your finances doesn’t need to be painful. Book a free intro call today. Just browsing? Learn more about us at SLP Wealth.

Like the show? There are several ways you can help!

Follow on Apple Podcasts, Spotify or Amazon Music
Leave an honest review on Apple Podcasts
Follow us on YouTube at Financially Free Dentists

Dr. Paul Goodman on Money, Conflict, and New Practice Ownership Aug 19, 2026

Show notes

Financial freedom for dentists looks very different in 2026, especially with the new student loan borrowing caps just rolled out. I sat down with Dr. Paul Goodman, founder of Dental Nachos and Dentist Job Connect, to explore how these changes affect access to dental school, practice ownership, and what it actually takes to build a fulfilling career as a dentist.

We get into how capped federal borrowing might shift the dental pipeline, why most practices succeed or stall in those first six months of ownership, and the real-world differences between practice startups and buy-ins.

Key moments:

(04:44) Student loan limits for dental students

(12:52) Is dentistry still worth it?

(17:57) Why dentists suffer

(22:50) Common mistakes new practice owners make

(25:28) Metrics that show you’re ready to hire your first associate

Links mentioned in this episode:

Managing your finances doesn’t need to be painful. Book a free intro call today. Just browsing? Learn more about us at SLP Wealth.

Like the show? There are several ways you can help!

Follow on Apple Podcasts, Spotify or Amazon Music
Leave an honest review on Apple Podcasts
Follow us on YouTube at Financially Free Dentists

Practice or House: Which comes first? Aug 12, 2026

Show notes

If you're a dentist weighing whether to buy your first home or your first practice, you know there are big stakes—and it's rarely as simple as "just do both." We get into what really matters when you’re deciding which to buy first, the hidden costs of getting the order wrong, and how current interest rate moves actually impact your timing.

You'll learn how things like community ties, mortgage qualification, student loan balances, and even your future commute should factor into the decision, and what to know about working with doctor-specific lenders.

Key moments:

(01:05) The timing dilemma: house vs. practice and why it matters long-term

(09:47) Why buying a home is an emotional decision, but the practice is your anchor

(12:38) Real-life mortgage qualification issues after buying a practice

(19:29) Building your down payment and practice liquidity at the same time

(23:45) The often-overlooked costs and pain points if you buy the house before the practice

Managing your finances doesn’t need to be painful. Book a free intro call today. Just browsing? Learn more about us at SLP Wealth.

Like the show? There are several ways you can help!

Follow on Apple Podcasts, Spotify or Amazon Music
Leave an honest review on Apple Podcasts
Follow us on YouTube at Financially Free Dentists

The $1 Million Milestone: What It Actually Feels Like When Dentists Hit It (And What Changes) Aug 05, 2026

Show notes

We unpack the journey to achieving millionaire status as a dentist, the true impact of that milestone, and important mindsets to adopt on the path to financial freedom. We introduce a new segment, "The Root of It," providing a timely analysis of news affecting financial decisions in dentistry, starting with the latest developments in AI and how they might influence investing and the dental profession.

Key moments:

(04:51) Potential future of AI models

(07:42) Discussing AI market dynamics and how it affects dentists

(16:09) Reflecting on financial milestones

(24:22) Balancing spending and financial goals

Managing your finances doesn’t need to be painful. Book a free intro call today. Just browsing? Learn more about us at SLP Wealth.

Like the show? There are several ways you can help!

Follow on Apple Podcasts, Spotify or Amazon Music
Leave an honest review on Apple Podcasts
Follow us on YouTube at Financially Free Dentists

From Burnout to Building Wealth: The Dentist's Investing Playbook Jul 29, 2026

Show notes

If you're a dentist juggling a high income, a big student loan balance, and the constant pull to chase the next hot stock, this one is for you. We break down the two mistakes we see most often: concentrating your wealth in a handful of tech or crypto stocks, and buying VTI or VTSAX without a plan for the taxes that come with it. We get into how to grow your net worth intentionally, what most dentists get wrong with single-stock investing, and how to use tax-smart strategies that move the needle. I’ll also share my own story about buying a house, and why things aren’t always as affordable as they look on paper.

Key moments:

(02:29) How burnout leads dentists to risky investment decisions

(08:14) Why single-stock bets can derail your long-term wealth

(12:59) Understanding price-to-earnings ratios

(18:52) Building a globally diversified, low cost index portfolio

(26:04) How tax loss harvesting works and why it pays off at a practice sale

Managing your finances doesn’t need to be painful. Book a free intro call today. Just browsing? Learn more about us at SLP Wealth.

Like the show? There are several ways you can help!

Follow on Apple Podcasts, Spotify or Amazon Music
Leave an honest review on Apple Podcasts
Follow us on YouTube at Financially Free Dentists

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