The Chiro Money Show

Scott Campbell, Chris Scheele
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The Chiro Money Show helps Canadian chiropractors make smarter financial decisions so they can stress less about money and build the lifestyle they want. Hosts Scott Campbell, CFP®, and Chris Scheele, QAFP®, dive into practice cash flow, taxes, investments, and insurance—sharing real stories, practical strategies, and a dose of humour along the way. Whether you’re a practice owner, an associate, or just starting out, you’ll get fresh insights to help you feel confident about your money, your practice, and your future.

  1. 6h ago

    046 | Spend Now or Spend Later: Why Buying Back Your Time Might Be Your Best Investment

    Money can only ever do two things: be spent now or be spent later. In this episode, Chris and Scott unpack what that simple truth means for chiropractors at every stage of their career, from the debt-heavy student years through practice growth, peak earnings, and eventually a practice sale. They share real client stories, including couples who are objectively crushing it but still feel like they should be doing more, and make the case for why spending money to buy back your time might be the highest-return investment you can make. You'll also get practical guardrails to keep it balanced, like the 50% raise rule and building guilt-free spending into your cash flow plan. If you've ever felt guilty hiring a house cleaner or taking a real vacation while carrying debt, this one's for you. 📊 Take the Financial Clarity Assessment → https://alignwealth.scoreapp.com 📸 Follow Scott Campbell on Instagram → www.instagram.com/scottcampbell.fp 🌐 Learn more about Align Wealth → www.alignwealth.ca

  2. Aug 13

    045 | $1M Practice, 3 Days a Week: Dr. Jamie Richards on the Retention-Based Practice

    Most practice owners believe the path to more income is more volume — more new patients, more visits, more everything. Dr. Jamie Richards built a practice doing over $1 million a year while being in the office every other Wednesday, and he says that belief is exactly what's keeping doctors stuck. In this conversation, Jamie breaks down his Retention Based Practice™ model: why a 100-visit-per-week practice should need only five new patients a month, how raising prices transformed a 400-visit practice into a more profitable 150-visit one, and the "acceptance mindset" that took his completion rates to 97%. He also opens up about $400K in business mistakes, building a team of associates that let him step back from the table, and why the first question is never "how do I grow?" but "what do I actually want?" Whether you're a seasoned practice owner or new associate fresh out of school, this episode will change how you think about growth. Connect with Dr. Jamie Richards: 🌐 Life by Design for Chiropractors → https://www.lifebydesignforchiropractors.com 📸 Instagram → https://www.instagram.com/lifebydesignforchiropractors ▶️ YouTube → https://www.youtube.com/@lifebydesignforchiropractors 💼 LinkedIn → https://www.linkedin.com/in/dr-jamie-richards-050756157 🏥 The Life By Design Centre → https://lifebydesigncentre.com 📊 Take the Financial Clarity Assessment → https://alignwealth.scoreapp.com 📸 Follow Scott Campbell on Instagram → www.instagram.com/scottcampbell.fp 🌐 Learn more about Align Wealth → www.alignwealth.ca

  3. Aug 6

    044 | Can I Write That Off? A Chiropractor's Guide to Business Expenses

    A lot of chiropractors assume that incorporating unlocks a new world of tax efficiency — that anything remotely business-related can now be run through the corporation. This episode breaks down what a legitimate write-off actually is, using the CRA’s two real tests: was the expense necessary to earn income, and is the amount reasonable? We walk through the biggest gray areas — vehicles, home office, meals and entertainment, and golf — and explain the piece almost nobody understands: what “non-deductible” really means, how add-backs work at tax time, and why your corporation can still pay for things it can’t deduct. We also share a client story where tens of thousands of dollars in expenses got reattributed back as personal income, creating a surprise tax bill and a cycle that repeated year after year. If you’ve ever wondered whether you’re leaving money on the table — or quietly setting yourself up for a headache — this one will give you a clear framework and a much simpler system to follow. 📊 Take the Financial Clarity Assessment → https://alignwealth.scoreapp.com 📸 Follow Scott Campbell on Instagram → www.instagram.com/scottcampbell.fp 🌐 Learn more about Align Wealth → www.alignwealth.ca

  4. Jul 30

    043 | How Much Is Your Advisor Costing You — and What Do You Get in Return?

    Most Canadians can't tell you what they pay their financial advisor or what they actually get for it. In this episode, Chris and Scott break down the three most common ways advisors get paid in Canada, from bank-embedded MERs to advice-only fees to a fully separated fee-only model, and why so few people can answer a simple question: how much am I paying, and what am I getting for it? They also dig into what real financial planning looks like beyond managing your investments, and the questions to ask before you hire (or stick with) an advisor. 📊 Take the Financial Clarity Assessment → https://alignwealth.scoreapp.com 📸 Follow Scott Campbell on Instagram → www.instagram.com/scottcampbell.fp 🌐 Learn more about Align Wealth → www.alignwealth.ca

  5. Jul 23

    042 | Why Giving Might Be the Best Investment You Ever Make

    In this episode of The Chiro Money Show, Chris and Scott dig into a question that flips conventional financial thinking on its head: could giving actually be the best investment you make? Inspired by Dr. Daniel Crosby's book The Soul of Wealth, they explore the research behind "felt wealth" — the surprising finding that generosity makes people feel wealthier at every income level, no matter the dollar amount. You'll hear the science of why giving feels so good, from the "helper's high" and the brain's "warm glow" to the real health benefits of volunteering your time. Chris and Scott also break down the four spending categories actually linked to happiness, and share practical ways to build intentional giving into your cash flow — starting small, staying consistent, and putting your resources toward the causes that matter most to you. If you've ever wondered whether money can buy happiness, this conversation offers a compelling answer: it's less about what you keep, and more about what you give. 📊 Take the Financial Clarity Assessment → https://alignwealth.scoreapp.com 📸 Follow Scott Campbell on Instagram → www.instagram.com/scottcampbell.fp 🌐 Learn more about Align Wealth → www.alignwealth.ca

  6. Jul 16

    041 | Turning Marketing Spend Into Patient Volume w/ theChiroConsultant

    Most chiropractors are scared to spend money on marketing — and the reason usually comes down to a bad experience, not bad math. In this episode, we're joined by Dylan Marchese and Trevor Johnson of The Chiro Consultant to break down why so many clinics get burned by agencies, and what separates the practices that see 3–10x returns from the ones that quietly bleed money every month. They walk through the four metrics that actually matter (lead volume, booking rate, show rate, and conversion), explain why cost-per-lead is a vanity metric that leads doctors to make bad decisions, and share real numbers on what a clinic should be spending — from an 8% starting point to the clinics investing 20%+ of gross revenue because the return justifies it. Dylan and Trevor also cover the shift away from Google-only search into AI platforms, Bing, and Apple Maps, and why relying on a single marketing channel is a risk most clinic owners don't realize they're taking. If you've ever looked at your marketing spend and thought "I feel like this should be working," this conversation will give you the data-driven framework to replace that feeling with actual answers. Connect with The Chiro Consultant: 🌐 The Chiro Consultant → https://www.thechiroconsultant.com/ 📸 Follow on Instagram → https://www.instagram.com/thechiroconsultant/ 📊 Take the Financial Clarity Assessment → https://alignwealth.scoreapp.com 📸 Follow Scott Campbell on Instagram → www.instagram.com/scottcampbell.fp 🌐 Learn more about Align Wealth → www.alignwealth.ca

  7. Jul 9

    040 | Stop Waiting for the Crash: How to Invest Through Uncertainty

    Market crashes aren't a matter of if — they're a matter of when. In this episode, Chris and Scott break down why bear markets happen on average every six to seven years, why trying to time your way around them almost always backfires, and what missing just the 10 best days in the market can do to 20 years of returns. They cover the two levers you can actually control — portfolio design and investor mindset — and why a written financial plan is what keeps you in your seat when your portfolio is down 30%. If you've ever felt the urge to sell when things get scary, or you're sitting on cash waiting for "the big one," this episode is for you. 📊 Take the Financial Clarity Assessment → https://alignwealth.scoreapp.com 📸 Follow Scott Campbell on Instagram → www.instagram.com/scottcampbell.fp 🌐 Learn more about Align Wealth → www.alignwealth.ca

  8. Jul 2

    039 | What 10 Years as a CFP Taught Me About You and Your Money

    Scott hits a milestone this week — ten years as a Certified Financial Planner — and he and Chris use it as a chance to reflect on how financial planning has really changed over the past decade. They dig into why products were never the plan, how the industry shifted from advisors-as-gatekeepers to a world of direct access and AI tools, and why cash flow management remains the single most important conversation for any business owner. Scott also gets honest about what he thought "making it" meant at 29 versus what actually matters now: communication, empathy, and helping people cut through the noise. If you've ever felt informed but still disorganized about your money — or you've been quietly avoiding your finances altogether — this one unpacks why that happens and what changes once you finally sit down and look at the whole picture. 📊 Take the Financial Clarity Assessment → https://alignwealth.scoreapp.com 📸 Follow Scott Campbell on Instagram → www.instagram.com/scottcampbell.fp 🌐 Learn more about Align Wealth → www.alignwealth.ca

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About

The Chiro Money Show helps Canadian chiropractors make smarter financial decisions so they can stress less about money and build the lifestyle they want. Hosts Scott Campbell, CFP®, and Chris Scheele, QAFP®, dive into practice cash flow, taxes, investments, and insurance—sharing real stories, practical strategies, and a dose of humour along the way. Whether you’re a practice owner, an associate, or just starting out, you’ll get fresh insights to help you feel confident about your money, your practice, and your future.

Information

  • Creator
    Scott Campbell, Chris Scheele
  • Years Active
    2025 - 2026
  • Episodes
    44
  • Rating
    Clean
  • Copyright
    © 2026 Scott Campbell, Chris Scheele
  • Show Website
    The Chiro Money Show