Financially Free Dentists

Jake Courtney, CFP®, CSLP®
  • 5.0 (13)
  • Entrepreneurship

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!

  1. 16h ago

    PPO, HDHP, HSA: Decoding Open Enrollment for Dentists

    It’s open enrollment season, and between the 10-page PDFs, confusing acronyms, and insurance jargon, it’s tempting to stick with last year’s benefits. But choosing the right plan for 2027 could save you thousands of dollars. Learn how to compare PPO and HSA-eligible plans, weigh best- and worst-case costs, and take advantage of HSA tax benefits. Plus, explore your options if your practice doesn’t offer health insurance and get a quick rundown of other benefits worth reviewing before you enroll. Key moments: (00:00) Anthropic’s S-1 numbers, and why indirect exposure beats chasing the IPO (10:13) HSA basics: 2027 contribution limits, the upfront deduction, and tax-free medical withdrawals (13:51) Comparing PPO and HSA-eligible plans by best-case and worst-case yearly cost (18:55) No employer plan? ACA Marketplace options, enrollment dates, and plans to be wary of (26:22) Rapid-fire review of disability, life, dependent care FSA, and healthcare FSA benefits Resources mentioned: Anthropic S-1 filing with the SECMonarch MoneyYNAB (You Need a Budget)ACA Marketplace plans from Healthcare.govMedi-ShareChristian Healthcare MinistriesHSA Store 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 MusicLeave an honest review on Apple PodcastsFollow us on YouTube at Financially Free Dentists

  2. Oct 28

    This Dental Wealth Growth Stat Made Me Gasp

    Dentists in their 30s and 40s are sitting on student loans, running successful practices, and often making solid incomes. But the gap between dentists who build wealth and those stuck mid-career is shockingly big, and it mostly comes down to one easy-to-miss habit. We dig into the data from our recent dentist income and investment survey and show you the single step that most reliably separates high-net-worth dentists from those treading water. After listening, you’ll know whether your current investing habits are working for or against your long-term goals, and the one regular move that can set you up for a flexible, less stressful next phase in practice. Key moments: (00:00) Why monthly brokerage contributions are the fork in the road for dentists (04:13) The actual investment balances for dentists who do and don’t automate investing (05:40) How small income differences can still lead to huge wealth gaps (08:25) Why brokerage accounts matter for retiring or downshifting before age 60 (12:15) What it actually looks like to coordinate investments, debt payoff, and practice equity 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 MusicLeave an honest review on Apple PodcastsFollow us on YouTube at Financially Free Dentists

  3. Oct 21

    Survey Series: Is Practice Ownership Worth It?

    If you’re a dentist earning a strong income as an associate, practice ownership might sound like a huge leap — more stress, more management, and a lot you never learned in dental school. But is the payoff big enough to justify it? We’ll walk through real survey data and Federal Reserve numbers so you can decide whether owning a practice actually builds wealth faster, and how to know if “the juice is worth the squeeze” for your situation. If you’re debating your next move, you’ll get clarity — not just averages, but concrete numbers and tradeoffs. Key moments: (05:31) How business ownership contributes to wealth building for dentists (08:48) Survey results: Income and investment differences between practice owners, W-2 employees, and 1099 contractors (11:15) Top financial and professional concerns for owners vs. associates (14:14) Practice ownership vs. associateship: 10-year cash flow and wealth comparison (21:09) When practice ownership doesn't pay off: High valuations and low profits Resource mentioned: Federal Reserve Board Study: Changes in US Family Finances from 2022 to 2025 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 MusicLeave an honest review on Apple PodcastsFollow us on YouTube at Financially Free Dentists

  4. Oct 14

    Dentist Survey Series: Why Wait to Work Less?

    If you're a dentist with a packed schedule, tired of the grind but not ready to quit — and especially if you have kids under 18 — there are two new realities you need to know about. The Treasury just auto-enrolled 60 million children into TRUMP accounts, setting up retirement savings by default. Plus, most dentists who picture financial freedom don’t actually dream of quitting, just working less. We get into what it really takes to coast into a more flexible work life way sooner, and explain exactly how to claim the new seed money for your kids. You'll leave knowing when it makes sense to slow down, what Coast FI looks like, and whether you should open (or claim) a TRUMP account for your family. Key moments: (01:43) TRUMP account auto-enrollment for kids: who’s covered and what you have to do (06:05) New ability to donate individual stocks to these accounts, and the five-year rule (10:16) 529s still beat TRUMP accounts for college, and what the new accounts are good for (13:04) Coast FI and sunset retirement, and how dentists can scale back years earlier (20:01) The math on dropping to fewer clinical days, and what shifts in your long-term plan Links mentioned in this episode: TRUMP AccountsOpen a 529 Plan 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 MusicLeave an honest review on Apple PodcastsFollow us on YouTube at Financially Free Dentists

  5. Oct 7

    The Insurance Squeeze: What You Can Actually Do About It

    If you’re a dentist seeing your profit margins shrink because insurance companies just will not raise reimbursement rates, you’re not alone. Nearly 900 dentists in our community named this the single biggest concern for 2026. I know it feels out of your control, but that’s only partly true. You’ll learn where you actually have power to move the needle, how to break the cycle of stress over rates, and which practice changes make a measurable difference for your income and team. Key moments: (03:34) Rising insurance squeeze, and what is and isn’t in your control (12:37) Renegotiating insurance contracts, and when hiring help makes sense (14:24) How to decide which insurance panels to cut, and why it matters (17:34) Shifting more chair time to higher-margin procedures without overtreating (19:51) Improving collections rates, and when outsourcing collections actually works 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 MusicLeave an honest review on Apple PodcastsFollow us on YouTube at Financially Free Dentists

  6. Sep 30

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

    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 MusicLeave an honest review on Apple PodcastsFollow us on YouTube at Financially Free Dentists

  7. Sep 23

    Time to Let Go of Your 3% Mortgage

    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 MusicLeave an honest review on Apple PodcastsFollow us on YouTube at Financially Free Dentists

  8. Sep 16

    Revenue Isn't Your Paycheck

    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: Fidelity Investments® retirement analysisIRS Form 1120-S 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 MusicLeave an honest review on Apple PodcastsFollow us on YouTube at Financially Free Dentists

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Ratings & Reviews

5
out of 5
13 Ratings

About

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!

Information

  • Creator
    Jake Courtney, CFP®, CSLP®
  • Years Active
    2024 - 2026
  • Episodes
    30
  • Rating
    Clean
  • Copyright
    © SLP Wealth LLC
  • Show Website
    Financially Free Dentists

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