How Saving for Retirement Can Reduce Your Student Loan Payments

As a veterinarian, one of the toughest financial decisions you have to make is whether to save for retirement and take advantage of compounding growth, or aggressively pay down student loans and become debt-free. Typically in order to achieve one of these goals, you have to sacrifice the other. But what if by saving for retirement you were actually able …

The Most Important Financial Number? Your Net Worth

Have you ever googled a celebrity’s net worth?  The term “net worth” is often associated with the ultra wealthy, but in reality everyone has their own net worth. True, your net worth may not look as impressive as your favorite entertainer, but, as a veterinarian, it should be a figure much more important to you. Why? Your net worth represents …

How Saving for Retirement Can Reduce Your Student Loan Payments

As a veterinarian, one of the toughest financial decisions you have to make is whether to save for retirement and take advantage of compounding growth, or aggressively pay down student loans and become debt-free. Typically in order to achieve one of these goals, you have to sacrifice the other. But what if by saving for retirement you were actually able …

Biden Tax Proposed Changes

Unless you’ve been living under a rock (or just completely avoid the news, in which case let me know your secrets), you are aware that 2021 has ushered in a new presidential administration. And as is the case with any incoming administration, changes to the tax code sits close to the top of the list in priority. In this post, …

Realizations After 5 Days Without a Phone

Last Saturday, our family attended a drive-in movie event sponsored by our town (Tyrone, GA), playing ‘The Grinch Who Stole Christmas’. With nightfall beginning around 5:45pm this time of year, by the time we arrived for the 6pm showing it was dark. Waiting for the movie to begin, we set up our tailgate and our picnic set-up for the children. …

Are You Saving Too Much?

You’ve been advised to save, save, save for as long as you can remember, and you’ve done a great job of saving diligently thus far. But now someone (Me) comes along and questions if you are saving too much? How is this possible, when Fidelity recommends having at least 10 times your annual salary saved by age 67, knowing your salaries …

You’re a financial planner, so you just help people pick investments, right?

Wrong. I’ve gotten this question more times that I can count, and though it may not be verbatim as the title, the questions/comments come in all forms (‘I received my bonus yesterday, which stock should I buy” or ‘Wow the market really took a dive, which stocks are poised to go up the most?” or “I’ve been watching Dave Portnoy …

Understanding the Difference Between Mutual Funds and ETF’s

In the world of investing, I can think of very few things that come to mind that could be described as ‘simple’. I could make the argument that the nature of investments and investing is overly complicated and marketed in a way to sway you into thinking that you need to hire a portfolio ‘expert’ if you want to be …