Veterinary Financial Podcast: Recent Episodes

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Confused about student loan recertification? You're not alone. In this episode, Meredith answers the most frequently asked questions she's hearing from veterinarians and shares some of the biggest mistakes to avoid so you can approach the process with confidence.

Key topics:

• How to know whether you need to recertify and when your deadline is
• Whether you should use your current income or last year's tax return
• What to expect if you're on SAVE
• Why payment estimates can sometimes look incorrect
• The biggest recertification mistakes we’re seeing and how to avoid them

Need help with your student loans? Helping veterinarians navigate student loan decisions is exactly what we do at Vet Debt Experts.

Learn more or schedule a student loan consult: https://www.vetdebtexperts.com

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Meredith discusses the biggest student loan issues we’re seeing right now as borrowers begin receiving SAVE deadlines and recertification notices. The new RAP plan is now available as well, but borrowers should understand the tradeoffs before signing up.

Key topics:

• SAVE transition notices and deadlines
• RAP vs. IBR considerations
• IDR processing errors and incorrect payment estimates
• Advice for May 2026 graduates entering repayment

Helping veterinarians navigate student loan decisions is exactly what we do at Vet Debt Experts.

You can learn more or schedule a student loan consult here:


https://vetdebtexperts.com

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Meredith sits down with veterinarian, integrative health and life coach Amelia Knight Pinkston, founder of Life Boost with Amelia, to discuss burnout, nervous system regulation, boundaries, and redefining success in veterinary medicine.

Together, they explore hustle culture, burnout, and the pressure many veterinarians feel to postpone happiness until “someday” - along with practical ways to build a more sustainable and fulfilling life both inside and outside of practice.

Key Topics:

• The five different types of wealth
• Signs your nervous system may be stuck in survival mode
• Why veterinarians often struggle to rest or say no
• The OPAL framework for recognizing and responding to stress
• Why asking for schedule changes and boundaries is often more possible than we think

Connect with Amelia:

Website: https://www.lifeboost.today

Instagram: @lifeboostwithamelia

Podcast: Life Boost with Amelia

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Meredith and Joe discuss the Department of Education’s newly finalized student loan repayment regulations set to take effect July 1, 2026, including the new RAP repayment plan, the tiered standard plan, and several important issues vets should understand before making changes to their loans.

Key Topics:

• How the new RAP repayment plan works
• Why consolidating loans after July 1, 2026 could be a costly mistake
• Important considerations for borrowers on SAVE
• Errors showing up on the online IDR application
• When a paper IDR application may make more sense

Book a student loan consult with Vet Debt Experts: https://calendly.com/vetdebtexperts/1-hr-consult-discount

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Meredith and Joe talk through major student loan rule changes that significantly impact 2026 veterinary graduates, along with advice to help set yourself up for success with student loan repayment.

• Why consolidation used to make sense for some borrowers
• The new rule limiting loans disbursed after July 1, 2026 to RAP or Standard repayment
• Why 2026 graduates should avoid consolidating
• What new graduates should do instead, including waiting out the grace period and carefully evaluating repayment options
• The long-term difference between RAP and New IBR, and why plan selection matters early

If you’d like help with a repayment strategy tailored to your specific situation, you can book a student loan consult with Vet Debt Experts: https://calendly.com/vetdebtexperts/1-hr-consult-discount

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Meredith talks about three financial patterns she commonly sees with veterinarians: perfectionism around money, letting student loans drive career decisions, and evaluating compensation too narrowly.

These are often decisions that feel reasonable in the moment, but over time can quietly contribute to stress, burnout, and financial stagnation.

Key Topics:

• Why perfectionism can delay financial progress
• The cost of waiting for the “perfect” financial decision
• How student loans can influence career choices
• Burnout, income pressure, and fear-based decision-making
• Why compensation is much bigger than salary alone
• How to evaluate veterinary job offers more thoughtfully

Interested in financial planning built for veterinarians?

Learn more or book a free intro call at allvetfinancial.com

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It’s easy to get stuck thinking your debt is limiting your options, but your career decisions can still be built around the life and work you want. Meredith and Joe talk about how veterinarians can make career choices that align with their goals and values rather than feeling trapped by student loans.

• Why the highest-paying job is not always the best fit
• How income-driven repayment plans can create more flexibility
• Navigating student loans with lower-paying career paths
• Burnout, toxic jobs, and the hidden cost of staying somewhere just for the paycheck
• Why your student loan strategy should support your life, not the other way around

Interested in financial planning built for veterinarians?

Learn more or book a free intro call at allvetfinancial.com

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Relief work has grown quickly in veterinary medicine, and this episode dives into why more vets are choosing it, where burnout can show up, and how to build a sustainable path if relief is on your radar. Meredith and Joe talk with Dr. Andrew Ciccolini of Colorado State University and Serenity Vet.

• More veterinarians are choosing relief work than in years past
• Why vets are drawn to relief: flexibility, autonomy, variety, and higher pay potential
• Common burnout drivers: overcommitting shifts, unpredictable income, taxes/admin work, and isolation
• Why a financial plan matters before going full-time relief
• Tips for success: boundaries, skill-building, and knowing your numbers
• Andrew’s best advice: be okay with being okay

Resources:

• Burnout in Relief Veterinary Practice whitepaper: https://serenity.vet/burnout-study-among-relief-locum-veterinarians
• Andrew Ciccolini on Instagram: @okay_vet
• Andrew Ciccolini on LinkedIn: https://www.linkedin.com/in/ac-dvm
• Serenity.vet: https://serenity.vet

Interested in financial planning built for veterinarians?

Learn more or book a free intro call at allvetfinancial.com

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Quick update for SAVE borrowers. Meredith and Joe break down what the end of SAVE means and how to plan your next steps.

• Notices start July 1 with a 90-day window to choose a new plan
• If no plan is selected, loans may move to Standard repayment
• You can switch now. PAYE and IBR are available and forgiveness progress carries over
• Make sure your contact info is up to date so you don’t miss your notice

If you’d like help clarifying your next steps, schedule a student loan consult with our team at Vet Debt Experts: https://calendly.com/vetdebtexperts

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Meredith and Joe talk with Dr. Jason Szumski about how mentorship, business ownership, and AI are shaping modern veterinary careers.

• What new grads should look for in mentorship and how to evaluate a first job
• How practice owners can better support and recruit early-career veterinarians
• Jason’s path into business ownership and how he found mentors along the way
• Balancing clinical work with building something outside of practice
• Where AI notetakers fit into veterinary workflows and what to know right now

Resources mentioned:

Jason Szumski on LinkedIn: https://www.linkedin.com/in/jasonszumski

VetSOAP - PetSmart Charities study: https://www.vetsoap.ai/psc

Article: Cost of Care Continues to Strain Veterinary Care Access: https://petsmartcharities.org/press-releases/cost-of-care-continues-to-strain-veterinary-care-access

If you'd like help creating a financial plan that supports your life and career, learn more or schedule a free intro call at allvetfinancial.com

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Self-care gets talked about a lot in veterinary medicine, but what does it actually look like for veterinarians in real life? Meredith shares results from a Debt-Free Vets poll about what vets actually spend money on to make this career more sustainable.

• Poll results: time off and experiences, physical care, therapy, and more
• What vets are actually spending money on (horses, massages, hobbies, travel, and house cleaners)
• Why flexibility and reducing workload came up repeatedly in the comments
• The idea of “buying back your time” and why it matters for long-term career sustainability

If you'd like help creating a financial plan that supports your life and career, learn more or schedule a free intro call at allvetfinancial.com

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If you’re trying to lower your taxes and your income-driven student loan payment, your Adjusted Gross Income (AGI) is the number that drives both. Joe and Meredith walk through the most common ways vets can bring that number down.

Key Topics:

• Making pre-tax retirement contributions and why Roth doesn’t lower AGI
• Using a Solo 401k with 1099 relief income
• Contributing to an HSA if you’re on a qualifying high-deductible plan
• Taking advantage of Health Care or Dependent Care FSAs through your employer
• Making sure legitimate Schedule C business expenses are reducing your net profit if you’re self-employed

Interested in financial planning built for veterinarians?

Learn more or book a free intro call at allvetfinancial.com

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Relief work offers flexibility and higher earning potential, but it comes with unique financial considerations. In this episode, Meredith covers the core money basics relief vets and techs should have in place.

• Organizing your finances as a relief vet or tech
• Planning for quarterly taxes for 1099 income
• Retirement options for self-employed relief vets and techs (Solo 401k, SEP IRA)
• Using relief work to support sabbaticals and flexibility
• Student loan strategy basics, including reducing adjusted gross income

Interested in financial planning built for veterinarians?

Learn more or book a free intro call at allvetfinancial.com

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Student loan forgiveness can come with a tax bill, and recent changes to repayment plans have prompted many veterinarians to revisit how they’re preparing for it.

Meredith walks through the most common questions we get about the student loan tax bomb, how it works, what’s changed, and what to review as part of a long-term plan.

Key topics:* When student loan forgiveness is taxable and when it isn’t * How to think about preparing for the tax bomb over time * Why investing, rather than saving, for the tax bomb often makes sense * What happens if you’re not prepared when forgiveness occurs

Interested in financial planning built for veterinarians?

Learn more or book a free intro call at allvetfinancial.com

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Dr. Meredith Jones and Joe Warner share a practical look at financial resolutions veterinarians can focus on in the new year, with an emphasis on clarity, strategy, and aligning money decisions with what matters most.

Topics covered:

• Building a realistic budget and understanding cash flow
• Optimizing student loan strategies, including what SAVE borrowers should know
• Increasing retirement contributions sustainably
• Using money intentionally to support the life you want
• What veterinarian-specific financial planning actually looks like

Episodes Mentioned:

• Ep73: Five Steps to Prepare for the Jump in Student Loan Payments
• Ep74: How a Sabbatical Can Reset Your Life - Dr. Anna Foster
• Ep77: What Happens in a Student Loan Consult

Interested in financial planning built for veterinarians?

Learn more or book a free intro call at allvetfinancial.com

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Veterinary medicine is demanding in ways most financial advice ignores. Schedules change, cases run long, and emotional fatigue is common. Financial plans that assume unlimited energy and perfect follow-through often don’t hold up.

In this episode, we talk about how to burnout-proof your finances so your money supports you through real life, not just on good weeks.

Key Topics:

• Why emergency funds function as mental health tools, not just savings
• How automation reduces financial decision fatigue
• Designing your finances around sustainability, not hustle
• Flexibility and optionality as financial goals
• Giving yourself permission to choose stability over optimization

Your financial plan should make your life easier, not heavier.

Interested in financial planning built for veterinarians?

Learn more or book a free intro call at allvetfinancial.com

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The Dept of Ed has announced an agreement to officially end the SAVE plan. If you’re in the SAVE forbearance, this episode walks through planning your next move.

Key Topics:

• What the end of the SAVE plan means and what we know so far
• What happens if you’re currently on the SAVE forbearance
• Which repayment plans borrowers are likely to switch to
• Why planning now matters, even without set deadlines
• How income recertification and tax filing status can impact your payment
• Common planning opportunities we’re seeing for veterinarians right now

Interested in financial planning built for veterinarians?

Learn more or book a free intro call at allvetfinancial.com

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Dr. Meredith Jones and Joe Warner, both Certified Student Loan Professionals, talk about what actually happens during a student loan consult for veterinarians. If you’ve ever wondered how we sort through repayment rules, forgiveness options, and tax implications, this episode walks you through it step by step.

Highlights:

• Why veterinarians seek student loan guidance: overwhelm, confusing regulations, major life changes, and uncertainty about which plan is best
• What you share beforehand (your student loan file, plus your spouse’s if they have federal loans) so we can prepare
• How the consult starts with your goals and your student loan story, which helps shape the conversation
• How we compare repayment plans, estimate long-term costs, check progress toward forgiveness, and decide whether you’ll need to save for a future tax bill
• Why your tax filing status can change your payment far more than you’d expect if you’re married
• What you walk away with: clear action steps and follow-up email support if questions come up afterward

Interested in financial planning built for veterinarians?

Learn more or book a free intro call at allvetfinancial.com

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Meredith sits down with Dr. Marie Holowaychuk, emergency and critical care specialist veterinarian and mental health advocate, to talk about her new book A Compassionate Calling: What It Really Means to Be a Veterinarian.

Key Topics:

• Marie’s path through specialty training, academia, burnout, and wellbeing advocacy
• What inspired A Compassionate Calling and the misconceptions it aims to clear up
• Real stories that show both the fulfillment and emotional complexity of veterinary medicine
• How emergency and critical care shaped her perspective on moral stress and client communication
• Practical wellbeing resources available through RevivingVetMed.com and her advice on prioritizing mental health

Connect with Marie Holowaychuk:

Marieholowaychuk.com

RevivingVetMed.com

LinkedIn: https://www.linkedin.com/in/drmarieholowaychuk/

Instagram: @marieholowaychuk

Interested in vet-specific financial planning?

Schedule a free intro call or email meredith@allvetfinancial.com

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

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Meredith shares practical grocery hacks that make life easier, save money, and help you waste less. Inspired by conversations at home and with clients, she walks through simple strategies to plan smarter, shop intentionally, and enjoy cooking again - without feeling deprived.

If you’ve ever stood in front of your fridge wondering how you spent $150 and still don’t have a dinner plan, this one’s for you.

Highlights:

• Plan ahead: Use a dry-erase board for meal planning, and check your pantry before shopping
• Shop smart: Do the math on price per ounce, and test one store-brand swap each week
• Invest wisely: A good chef’s knife and quality pan make cooking faster and more enjoyable
• Cook once, eat twice: Bulk cook, freeze extras, and make “leftovers night” a ritual
• Splurge intentionally: Great coffee or olive oil can be worth it - just spend with purpose

Interested in vet-specific financial planning?

Schedule a free intro call or email meredith@allvetfinancial.com

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Dr. Anna Foster is an emergency veterinarian and co-founder of The Evolved Vets, which helps veterinarians grow personally and professionally through coaching, education, and community. She also writes Dr. Anna Foster – Travel Vet on Substack, where she shares reflections on self-development, travel, and her recent three-month sabbatical. Anna joins Meredith to talk about what inspired her career break and the lessons she learned along the way.

Highlights:

• Why Anna decided to take a three-month sabbatical after years in ER medicine and leadership roles
• How she planned ahead - financially, professionally, and emotionally - to make it possible
• The emotional toll of emergency medicine
• How the Shift Shedding meditation helps veterinarians decompress after difficult shifts
• What she learned from a three-day phone-free reset and how it changed her relationship with technology
• Why the antidote to rushing isn’t slowing down, but being present

Resources:

• Dr. Anna Foster – Travel Vet: https://substack.com/@drannafoster
• The Evolved Vets: evolvedvets.com
• Dr. Anna Foster on Instagram: @drannafoster

Interested in vet-specific financial planning?

Schedule a free intro call or email meredith@allvetfinancial.com

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With the recent student loan repayment changes, many veterinarians are facing a much bigger bill than before.

Whether you’re moving from SAVE to PAYE, preparing for Old IBR in a couple of years, or switching plans and suddenly seeing your payment double, the jump can feel overwhelming. You’re not alone in this — and you can prepare.

In this episode, I’ll walk you through five key steps to help you get ready for higher student loan payments:

• Know your next steps: Which plan are you eligible for, and what payment can you expect? If you’re married, could you save money by switching your tax filing status?
• Get clear on your budget: Use Monarch Money, a spreadsheet, or whatever works - awareness is key.
• Build breathing room: Practice your higher payment now to avoid a cash-flow shock later.
• Be intentional with your compensation: Negotiate for higher pay, stronger production, or better benefits. And if you’re picking up extra shifts, make sure they’re in alignment with your goals — not just a reaction to student loan stress.
• Shift your perspective: Remember, the COVID pause was unusual — higher payments are tough, but you can adapt.

If you’ve been feeling stressed or blindsided by your new payment, this episode will give you both the tools and perspective to move forward.

Mentioned in this episode:

• Episode 67: What the new Student Loan Bill Means for Veterinarians
• Debt-Free Vets Facebook Group

Interested in vet-specific financial planning?

Schedule a free intro call or email meredith@allvetfinancial.com

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Christine Staten, DVM, MBA has been a veterinary practice owner for over 20 years, and in that time, has made lots of great decisions (and some she wouldn’t make again!) while growing her practice and her team. Dr. Christine joins Meredith to share her story and why she’s so passionate about helping other vets build veterinary practices that succeed so they can keep doing the work they love.

Key Topics:

• Christine shares how she started on the path to becoming a vet practice owner
• Christine gives practical advice for how to manage a team and utilize data and strategic team retreats to accelerate business growth
• The value of community for practice owners to combat isolation and being overburdened by your responsibilities
• How going back to school to get an MBA in her 50s further improved her veterinary practice
• Why work life balance is impossible, and what you should aim for instead
• Christine’s personal framework for managing stress, burnout, and day-to-day worries

Links and resources:

• Connect with Christine on Instagram @veterinary_mba
• Find Christine Staten and her community of veterinary practice owners at veterinary-mba.com as well!

Interested in vet-specific financial planning?

Schedule a free intro call or email meredith@allvetfinancial.com

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

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Veterinary medicine and financial planning share a common framework: history-taking, diagnostics, treatment or action plans, and progress exams. Recognizing these parallels can help make money conversations less intimidating and much more familiar for veterinarians.

Key Topics:

• How financial planning and veterinary medicine share the same step-by-step process
• Working up a case in vet med mirrors working up a case in financial planning
• The role of history-taking and information gathering in both fields
• How treatment plans compare to financial action plans
• Why progress exams and financial check-ins serve the same purpose
• How my clinical background shapes my financial advice

Interested in vet-specific financial planning?

Schedule a free intro call or email meredith@allvetfinancial.com

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Medical records have historically been one of the biggest time drains and stressors in veterinary practice. AI notetakers, also called scribes or transcription tools, are changing that.

I share stories from my ER career and financial planning work, along with insights from veterinarians in the Debt-Free Vets Facebook group, on how these tools save time, improve accuracy, and reduce late-night record writing. You’ll also hear strategies that can help when AI isn’t an option.

Veterinarians describe how AI notetakers have transformed their daily workflow—helping them juggle multiple cases, keep up with busy shifts, and finally stop staying late just to finish records.

Highlights include:

• The challenges of managing medical records in busy clinical settings
• How AI notetakers can save time, reduce errors, and boost efficiency
• What veterinarians are saying about their favorite tools
• The cost of an AI notetaker - and why it may be worth paying for yourself if your hospital won’t
• Other efficiency tools, including human scribes and TextExpander

Whether you’re curious about AI notetakers, overwhelmed by incomplete records, or just looking for ways to reclaim your time, this conversation offers real-world insights into how these tools are changing veterinary practice.

Links and Resources:

• Debt-Free Vets Facebook group
• Thread in Debt-Free Vets on AI notetakers

Interested in vet-specific financial planning?

Schedule a free intro call or email meredith@allvetfinancial.com

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Perfectionism might have helped you get into vet school, but it could be holding you back financially. Dr. Jason Balara joins Meredith to talk about how an “all or nothing” mindset can sabotage your financial goals and delay meaningful progress. Jason is a board-certified veterinary surgeon and founder of Lark Capital, a real estate investment firm.

They explore:

• Why striving for excellence beats chasing perfection
• How perfectionism shows up in investing, budgeting, and student loan strategies
• Why it’s better to start small than wait for the “perfect” financial plan
• How Jason restructured his career to prioritize time and autonomy

Whether you’re working toward loan forgiveness, thinking about launching a side business, or feeling stuck because you don’t have all the answers—this episode will help you take action without waiting for perfect conditions.

Links and Resources:

• Contact Jason Balara at jason@larkcapital.com or on LinkedIn
• Check out the Know Your Why Podcast with Dr. Jason Balara

Interested in vet-specific financial planning?

Schedule a free intro call or check out allvetfinancial.com

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In this episode, I walk through what the student loan changes in the Big Beautiful Bill mean for current and future veterinary students.

If you’re already in repayment, be sure to check out the previous episode, which covers what these changes mean for veterinarians who have already graduated.

Most of the updates won’t take effect until July 1, 2026, but they’re important to understand now—whether you’re a student or someone who mentors future vet students.

Key topics include:

• Who is and isn’t affected by the new $200k federal student loan cap
• When the changes take effect and which class years are impacted
• Grad PLUS loans are going away—and what that means for vet students
• What we know about the new RAP (Repayment Assistance Plan) so far
• How consolidation strategy may shift next year
• How this bill may affect access to the profession going forward

I also share practical advice for current students, future students, and anyone advising future applicants—as well as my thoughts on how these changes could reshape the veterinary profession.

Interested in vet-specific financial planning?

Schedule a free intro call or email meredith@allvetfinancial.com

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

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In early July, the Big Beautiful Bill was signed into law, bringing sweeping changes to student loans. In this episode of the Veterinary Financial Podcast, I’m breaking down what the bill means for veterinarians who have already graduated and are already in repayment.

Key topics include:

• What happens if you're on IBR, PAYE, or SAVE
• A closer look at the new 30-year RAP (Repayment Assistance Plan)
• What happens if you don’t make a new plan selection by 2028
• Important tax and spousal income considerations
• A couple of bright spots—like employer benefits and servicer funding

I also answer top questions from the Debt-Free Vets Facebook group and share what vets should be thinking about now to stay ahead of the changes.

Stay tuned for the next episode where I’ll focus on how the bill impacts current and future vet students.

Mentioned in this episode:

• Debt-Free Vets Facebook Group

Interested in vet-specific financial planning?

Schedule a free intro call or email meredith@allvetfinancial.com

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

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I’m thrilled to announce the launch of Allvet Financial - a virtual, fee-only financial planning firm serving veterinarians and their partners nationwide.

In this episode, I share the story behind starting my own firm, my path from ER vet to financial planner, and why I believe vet-specific financial planning matters.

You’ll hear about:

• Why I launched a firm built just for veterinarians
• My transition from ER vet to financial planner
• How I help clients navigate student loans, income shifts, and big decisions
• The challenges vets face that most planners don’t understand
• What it’s like to work with me at Allvet Financial

If you’re interested in working together, I’d love to connect!

Interested in vet-specific financial planning?

Schedule a free intro call or email meredith@allvetfinancial.com

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

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Are you working relief shifts as a self-employed vet—or thinking about it? In this Q&A episode, I answer some of the most common questions that came up when I recently asked the Debt-Free Vets Facebook group: “Self-employed relief vets—what financial questions do you have?” From choosing the right business structure to navigating taxes, retirement savings, and health insurance, we cover the essentials (and the often-overlooked details) that can make or break your financial confidence as a relief vet.

Key topics:* Do you need an LLC or PLLC to do relief work? * Why getting an EIN can protect your privacy * How to separate business and personal finances (and why it matters) * Pros and cons of a Solo 401(k) vs. SEP IRA * Navigating quarterly taxes * Common tax write-offs for relief vets

Mentioned in this episode:* Contact Meredith: meredith@allvetfinancial.com * Debt-Free Vets Facebook Group * Episode 59: Perfectionist Traps That Are Costing You Money

Interested in vet-specific financial planning?

Schedule a free intro call or email meredith@allvetfinancial.com

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

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Student loans are still in a state of chaos, and Meredith Jones, DVM, CSLP®, AFC® is here to help you make sense of it all. From court rulings to sweeping legislative proposals, borrowers are facing a confusing and rapidly evolving landscape. Whether you're pursuing forgiveness, considering switching repayment plans, or just trying to keep your head above water, this episode helps you understand what’s happening now, what could be coming, and what actions (if any) veterinarians and vet students should take.

Key topics:

• The status of the SAVE plan and what borrowers should consider if switching to IBR
• What’s actually in the House reconciliation bill—aka the One Big Beautiful Bill Act
• How the proposed RAP plan could impact veterinarians specifically
• What changes might be coming to PSLF, Grad PLUS, and borrowing limits for future vet students
• Why panicking (or refinancing) is not the move right now
• One overlooked benefit in the bill that could help borrowers long term

Links mentioned in this episode:

• Debt-Free Vets Facebook Group
• Adam Minsky – Student Loan Updates on Forbes

Interested in vet-specific financial planning?

Schedule a free intro call or email meredith@allvetfinancial.com

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

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A lot of well-meaning advice says to put money into a Traditional IRA to lower your tax bill. But for most veterinarians, that move can backfire. We’ve seen it again and again: smart, hardworking vets unknowingly setting themselves up for a bigger tax hit down the road. We’re breaking down why that happens, who should be using Traditional IRAs, and where your money might be better off instead. It’s not about scaring you off IRAs completely, it’s about showing you how to make smarter, more tax-efficient choices.

Key moments:

(03:47) Traditional IRA income limits are lower than you think, and many vets can’t get the tax deduction

(10:43) Smarter places to put your money if a Traditional IRA isn’t the right fit

(12:02) Backdoor Roths get messy if you’ve already contributed to a Traditional IRA

(17:41) Locking up your money with no tax benefit can hurt you more than help long-term

Interested in vet-specific financial planning?

Schedule a free intro call or email meredith@allvetfinancial.com

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

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Student loan benefits at work sound great on paper, but understanding the details requires asking the right questions. The tax-free $5,250 benefit established under the American Rescue Plan Act sunsets after 2025, which changes the long-term value proposition. We're breaking down crucial questions to ask: Does this payment count toward forgiveness program requirements? What about private loans? We'll also discuss that eye-catching $60k benefit being marketed to vet students by a major hospital group and explore alternatives worth considering during negotiations.

Key moments:

(04:20) Tax-free student loan benefits expire after 2025 (and it could cost you money)

(10:34) Directly negotiating a higher salary may be better than complex student loan benefits

(12:55) Benefits paid across several years assume longer employment than a vet may maintain with that employer

(15:05) Employer loan benefits don't always reduce monthly payments

(18:01) Career path alignment matters more than student loan benefit packages

Link mentioned in this episode:

• Employer Student Loan Repayment Benefit: Amazing for Some, Unhelpful for Most

Interested in vet-specific financial planning?

Schedule a free intro call or email meredith@allvetfinancial.com

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

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Ever noticed how veterinarians give each other the most conflicting financial advice? We've spotted some truly head-scratching tips being shared across vet med forums and Facebook groups. We're breaking down some popular but problematic mantras like "everyone should pay off their loans ASAP" or "always choose a Roth 401(k)” and tackling the biggest misunderstandings around tax filing status and production pay. Your finances deserve the same nuanced approach you give your patients — let's talk about finding YOUR path to financial success, not someone else's oversimplified version of it.

Key moments:

(04:06) The Roth 401(k) debate — what's right depends on your individual financial situation

(10:49) Marriage tax filing status should reflect your student loan repayment strategy

(17:11) Are your production bonuses really taxed more? The truth behind the withholding

(21:03) The math proves it: bigger paychecks win even with income-driven repayment

Link mentioned in this episode:

• 2025 AVMA Economic State of the Profession Report

Interested in vet-specific financial planning?

Schedule a free intro call or email meredith@allvetfinancial.com

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• Follow on Apple Podcasts, Spotify or Amazon Music
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When a San Diego couple found a mortgage lender advertising a lower interest rate than competitors, they thought they'd made a smart financial decision — until just before closing day and a sudden ultimatum nearly cost them their dream home.

We’re unpacking what went wrong and sharing what questions to ask, red flags to watch for, and strategies to balance competitive rates with quality service. For vets, this is the straight talk on what actually matters when you're making probably the biggest purchase of your life.

Key moments:

(02:28) Working with several lenders is normal during the home-buying process

(08:06) Surprise revelation

(14:36) How veterinarians can avoid mortgage lending pitfalls when buying homes

(18:25) Interview multiple loan officers, but remember that the lowest rate isn't always the best deal

(21:42) The realtor matters more than their company — prioritize individual fit over agency name

Interested in vet-specific financial planning?

Schedule a free intro call or email meredith@allvetfinancial.com

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• Follow on Apple Podcasts, Spotify or Amazon Music
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Your perfectionist mindset (the one that makes you an amazing doctor) might not be doing your finances any favors. Here’s what we mean: You’re making countless decisions every single day — from complex medical calls to juggling client conversations to managing your packed schedule. By the time you get to your finances, your brain is fried. So you either overthink everything or just avoid money decisions completely. Learn how perfectionism can show up in your financial life and explore practical strategies to make financial decisions when you're already dealing with decision fatigue.

Key moments:

(04:41) Overcoming analysis paralysis with the “dart method”

(07:09) Set up your 401(k) now — the “worst” investment choice beats waiting for the perfect option later

(11:01) Perfectionism about investing for your student loan tax bomb is actually costing you thousands

(14:39) You're smart enough to do anything, but that doesn't mean you should do everything yourself

(17:08) The one mindset shift that will dramatically improve your finances as a veterinarian

Interested in vet-specific financial planning?

Schedule a free intro call or email meredith@allvetfinancial.com

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• Follow on Apple Podcasts, Spotify or Amazon Music
• Leave an honest review on Apple Podcasts

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Veterinarians are no strangers to financial stress, especially when it comes to student loans. But what happens when those forgiven loans turn into a massive tax bill? Discover what you need to know about the looming tax bomb with student loan forgiveness and how to avoid the costly mistakes vets make when trying to save for it.

Key moments:

(03:20) Using retirement accounts for the tax bomb isn’t the best idea

(04:36) The Roth IRA’s “break glass” option lets you withdraw contributions penalty-free, but there’s a catch

(09:27) Declaring insolvency as a last resort

(17:48) How much should you actually save for the tax bomb?

Interested in vet-specific financial planning?

Schedule a free intro call or email meredith@allvetfinancial.com

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• Follow on Apple Podcasts, Spotify or Amazon Music
• Leave an honest review on Apple Podcasts

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Recent court rulings and policy shifts have created confusion, leaving borrowers wondering what to do next. Should you stay on SAVE, switch plans, or wait it out? We break down what’s happening, why PAYE and ICR are back in the spotlight, and whether sticking with SAVE or switching plans is the smarter strategy.

We’ll also cover key financial factors that could affect your repayment plan, like credit card debt, maternity leave, and tax filing choices. If you’re unsure what this means for you, tune in for insights and next steps to keep your student loan strategy on track.

Key moments:

(03:38) When sticking with SAVE is the smartest financial move

(06:19) Ditching SAVE could fast-track PSLF loan forgiveness

(10:24) Your tax filing status could be the key to lowering your student loan payments

(16:09) If you borrowed federal loans between October 2007 and July 2014, PAYE might be a golden opportunity

Interested in vet-specific financial planning?

Schedule a free intro call or email meredith@allvetfinancial.com

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

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Veterinarian pay structures can be surprisingly complex — and sometimes, just plain weird. We’re breaking down the most common ways vets get paid, the misconceptions many have about their own compensation, and the hidden pitfalls in different pay structures. Learn about ProSal, production-based pay, and other models and how each impacts your income. If you’re navigating a new contract or trying to make sense of your paycheck, this conversation will give you fresh insights and might even help you earn more.

Key moments:

(02:05) The three ways vets get paid, and why ProSal isn’t as straightforward as it seems

(09:48) Vet pay structures leave plenty of room for errors (and lost income)

(14:26) Salary plus production sounds stable until you realize you’re actually working on commission

(22:01) Emergency vets: Shift pay makes compensation even more complicated

Links mentioned in this episode:

• A Prescription for Change

Interested in vet-specific financial planning?

Schedule a free intro call or email meredith@allvetfinancial.com

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• Follow on Apple Podcasts, Spotify or Amazon Music
• Leave an honest review on Apple Podcasts

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Sign-on bonuses are more common than ever in veterinary medicine, but not every use of that bonus sets you up for financial success. We’re breaking down the top three mistakes we see veterinarians make with their sign-on bonuses, how to avoid them, and what to do instead.

Key moments:

(05:07) Don’t use your sign-on bonus to pay student loans if you’re going for forgiveness — it’s wasted money

(05:56) Using your bonus for a more expensive car can jeopardize your ability to buy the right home

(08:29) Avoid “YOLO investing” in trends like crypto or single stocks

(11:29) Sign-on bonuses can come with strings, here’s how to handle the money to avoid feeling stuck in your job

(16:17) Use this checklist to turn your sign-on bonus into a fast track to wealth

Interested in vet-specific financial planning?

Schedule a free intro call or email meredith@allvetfinancial.com

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

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Non-compete agreements are creating waves in the veterinary profession, thanks to the FTC’s recent ruling. Financial planner Sim Terwilliger, CFP®, CSLP®, joins us to discuss how these agreements shape your career, why the AVMA is weighing in, and what the potential ban on non-competes could mean for veterinarians everywhere. You’ll learn which states have already banned non-competes, what alternatives employers might use, and how veterinarians can advocate for contracts that work in their favor.

Key moments:

(01:14) What’s inside a typical non-compete agreement for veterinarians

(06:16) How the AVMA is responding to the FTC’s recent ruling on non-competes

(08:33) A firsthand look at how non-competes limit career options

(15:32) States that have banned non-compete agreements — and what it means for vets

(16:38) Practical ways veterinarians can advocate against restrictive contracts

Link mentioned in this episode:

• FTC Announces Rule Banning Noncompetes

Interested in vet-specific financial planning?

Schedule a free intro call or email meredith@allvetfinancial.com

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

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Veterinarians take on jaw-dropping levels of student debt, often pay longer than other professions, and face repayment rules that seem anything but fair. Travis Hornsby, founder and CEO of Student Loan Planner and SLP Wealth, joins us in unpacking why veterinarians are often left with the short end of the stick under current student loan rules. He shares how he uncovered this systemic issue and the viral article that started a conversation in the vet world. If you’ve ever felt frustrated by student loans or wondered how to navigate them as a vet, this episode gives you actionable insights and a dose of real talk about what’s broken — and what vets can do to get their own loans on track.

Key moments:

(04:19) Limited lobbying power leaves veterinary medicine at a disadvantage compared to human health care when it comes to student loans

(10:50) Pandemic pet adoptions and retirements have boosted salaries in veterinary medicine

(15:27) New vet schools could flood the labor market, potentially driving incomes down due to increased competition

(20:29) Pet owners are treating animals more like family, increasing demand for high-quality care

Links mentioned in this episode:

• Veterinarians Are Treated Horribly Under Student Loan Rules

DVMs deserve financial experts who speak their language. 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

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New grad veterinarians are clocking in far more hours than they expected — 5 extra hours a week, to be exact. It may not sound like much, but it adds up to six full weeks of additional work. That’s six weeks of your year gone. Financial planners Meredith Jones, DVM, CSLP®, AFC®, and David Aizuss, CSLP®, unpack surprising findings from the AVMA Business and Economic Forum and explore what’s driving the gap between expectations and reality. They dig into the data, break down the post-pandemic shifts shaping the industry, and ask the big questions about what it means for the future of veterinary medicine.

Key moments:

(03:27) The 40-hour workweek doesn’t line up with today’s veterinary realities

(06:45) Burnout isn’t new, but it’s evolved for vets since 2019

(13:05) A bold take on why most vets can say “yes” to working less

(18:49) Systemic solutions we’re seeing that could reshape veterinary medicine

Links mentioned in this episode:

• AVMA Veterinary Business and Economic Forum
• 2024 AVMA Economic State of the Profession

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Roth IRAs are powerful tools, but they can be tricky to navigate. Financial planners Meredith Jones, DVM, CSLP®, AFC®, and David Aizuss, CSLP®, share the top mistakes they’ve seen veterinarians make when it comes to Roth IRAs. From earning limits to backdoor Roths and knowing when a Roth IRA isn’t the best fit, you’ll get clear, practical advice to feel confident about your financial future.

Key moments:

03:31 Roth IRA earning limits and how they impact your ability to contribute

11:21 The biggest mistake vets need to avoid with backdoor Roth IRAs

16:04 The downsides of contributing post-tax money to a traditional IRA

23:30 Filing taxes as married filing separately can block Roth IRA eligibility

28:28 Situations where a Roth IRA isn’t the best fit and better alternatives to consider

DVMs deserve financial experts who speak their language. Book a free intro call today. Just browsing? Learn more about us at SLP Wealth.

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• Follow on Apple Podcasts, Spotify or Amazon Music
• Leave an honest review on Apple Podcasts

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Curious about the top investing questions veterinarians are asking? We turned to the Debt Free Vets Facebook group to find out what’s on their minds. From saving for retirement without an employer plan to tackling the student loan tax bomb, these are the biggest concerns vets are discussing. Financial planners Meredith Jones, DVM, CSLP®, AFC®, and David Aizuss, CSLP®, break it down with clear answers and actionable advice.

Key moments:

[01:35] What to know about saving for retirement without an employer plan

[05:15] Smart strategies to invest and prepare for the student loan tax bomb

[13:50] Deciding between pretax and Roth contributions for your financial goals

[17:49] How to approach bonds in your portfolio if retirement is still far away

[24:19] Retiring without maxing out your accounts is possible, but if you do, here’s what comes next

DVMs deserve financial experts who speak their language. 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

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Tired of financial advice that doesn't account for ProSal, production bonuses, or your mountain of student debt? Financial planners Meredith Jones, DVM, CSLP®, AFC®, and David Aizuss, CSLP®, reveal insider strategies that have helped over 200 veterinarians build wealth. You deserve more than one-size-fits-all financial advice — discover how to fast-track your path to financial success with strategies made for DVMs.

Key moments:

• 07:05 Fluctuating income? How to make the most of every paycheck
• 10:04 Plan ahead for career transitions with a solid financial game plan
• 14:13 Vet med career paths, from practice ownership to exploring new directions
• 14:53 DVM mortgage vs. a conventional loan, plus strategies to save more on taxes

DVMs deserve financial experts who speak their language. 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

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We welcomed David Aizuss back to the podcast with a special announcement about the future of the Veterinary Financial Podcast. Willie talks about the projects he’s been working on with his non-profit and pursuing practice ownership. We also discussed financial freedom for veterinarians, working with financial planners, and student loans.

• A transition with the Veterinary Financial Podcast
• What projects has Willie been busy with?
• Why did David choose to work with veterinarians?
• What is it like working with Student Loan Planner?
• Why is it important to work with a financial planner who understands student loans?
• What is one of the biggest concerns for vets who first start working with a financial planner?

Get $100 off your consultation with Student Loan Planner: https://bit.ly/4eH4SUw

Ways to connect with Veterinary Financial Summit:

https://VetFinancialSummit.com

Instagram: @vetfinancialsummit

Willie's Instagram: @willieb

Facebook: https://www.facebook.com/VetFinancialSummit

LinkedIn: https://www.linkedin.com/company/vetfinancialsummit

Email: Leadership@VetFinancialSummit.com

Meredith: meredith@slpwealth.com

David: david@slpwealth.com

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We asked Chris Kelly, Managing Partner for Antelligence and Editor-in-Chief for Veterinary Advantage Magazine about trends in veterinary practices over the last few years, the Fountain Report, pet ownership trends, and the future of veterinary medicine.

• What trends has Chris seen in veterinary medicine over the last few years?

• What is the focus of the Veterinary Advantage Magazine?

• What is the Fountain Report?

• What are the most recent pet ownership trends?

• How do these trends impact independent practices and how can they compete with corporate groups?

• What does the future have in store for veterinary medicine?

Download the Veterinary Enterprise Practice Report: https://epr.antelligence.com

Subscribe to the Fountain Report: https://antelligence.com/the-fountain-report/

Ways to connect with Chris:

Email: chris.kelly@antelligence.com

Linkedin: https://www.linkedin.com/in/chris-kelly-7221a2/

Ways to connect with Veterinary Financial Summit:

VetFinancialSummit.com

Instagram: @vetfinancialsummit

Facebook: https://www.facebook.com/VetFinancialSummit

Email: Leadership@VetFinancialSummit.com

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We asked David Aizuss, financial planner at SLP Wealth, student loan consultant with Student Loan Planner, and mortgage loan officer, about special mortgage strategies for vets, how to play ahead for closing, and how home-buying fits in with financial planning.

• What are some special mortgage considerations and strategies for veterinarians?

• What else should vets consider when home buying that’s unique to the veterinary profession?

• How do you plan for how much cash you will need at closing?

• What is a typical down payment?

• How does home-buying fit into financial planning?

Work with Student Loan Planner / SLP Wealth: https://www.studentloanplanner.com/webinar-discounts/?utm_source=Debtfreevets&utm_medium=Fb

Ways to connect with David:

Email: david@slpwealth.com

LinkedIn: https://www.linkedin.com/in/david-aizuss-912bb9113/

Ways to connect with Veterinary Financial Summit:

https://VetFinancialSummit.com

Instagram: @vetfinancialsummit

Facebook: https://www.facebook.com/VetFinancialSummit

LinkedIn: https://www.linkedin.com/company/vetfinancialsummit

Email: Leadership@VetFinancialSummit.com

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We asked David Aizuss, financial planner at SLP Wealth, student loan consultant with Student Loan Planner, and mortgage loan officer, about how to set yourself up for success when buying a home, how to find a good mortgage loan, and some pitfalls to watch out for.

• Why did David switch to financial planning and decide to work with veterinarians?

• How do you set yourself up for success when buying a home?

• How do you find a good mortgage loan?

• What is pre-approval and what are some of the pitfalls to watch out for?

• How is debt-to-income considered when buying a home?

Work with Student Loan Planner / SLP Wealth: https://www.studentloanplanner.com/webinar-discounts/?utm_source=Debtfreevets&utm_medium=Fb

Ways to connect with David:

Email: david@slpwealth.com

LinkedIn: https://www.linkedin.com/in/david-aizuss-912bb9113/

Ways to connect with Veterinary Financial Summit:

https://VetFinancialSummit.com

Instagram: @vetfinancialsummit

Facebook: https://www.facebook.com/VetFinancialSummit

LinkedIn: https://www.linkedin.com/company/vetfinancialsummit

Email: Leadership@VetFinancialSummit.com

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In this episode, we discuss budgeting in-depth. We discuss why creating a cash flow plan is important, share budgeting resources, and talk about discovering what is important to you to determine where your money is best spent.

• Why is it important to budget?

• What are some apps that can help with budgeting?

• What are our best tips for creating a budget and sticking to it?

• How do you pick up on trends in your budget to plan for the future?

• What are some tips for reducing expenses and increasing income?

Ways to connect with Veterinary Financial Summit:

VetFinancialSummit.com

Instagram: @vetfinancialsummit

Facebook: https://www.facebook.com/VetFinancialSummit

Email: Leadership@VetFinancialSummit.com

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In this episode, we discuss the many financial resources that are out there for veterinary professionals. We share our favorite resources on personal finance and business ownership with books, blogs, podcasts, helpful calculators, courses, and more.

• Our favorite podcasts on financial topics for vets

• Resources on Student Loans

• Compensation resources

• Veterinary business resources

• House call vet resources

• Courses, books, and blogs

Mentioned in this episode:

Cody Creelman’s business plan:

docs.google.com/document/d/1h90hz8GZLEWm1hmnxRHIMBzrqcPLHh2nJeX8NT9v-5c/edit

VFS Courses: https://vetfinancialsummit.thinkific.com/

VFS Blog: https://vetfinancialsummit.com/blog/

Ways to connect with Veterinary Financial Summit:

VetFinancialSummit.com

Instagram: @vetfinancialsummit

Facebook: https://www.facebook.com/VetFinancialSummit

Email: Leadership@VetFinancialSummit.com

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We asked Sebastian Gabor, Co-Founder of Digitail, about using Artificial Intelligence in veterinary medicine, the accuracy of AI, concerns about using AI, and how to use AI to benefit your practice’s finances.

• How does AI help with record-keeping and administrative tasks?

• How common is it for veterinary practices to use AI?

• What are the issues with the reliability and accuracy of AI systems?

• What are some other concerns about using AI in vet med?

• How can AI help your practice finances?

Ways to Connect with Sebastian:

Linkedin: https://www.linkedin.com/in/sebastiangabor/

Website: https://digitail.com/

Download “AI in Veterinary Medicine: The Next Paradigm Shift” study: https://links.digitail.com/ai_vet_med_study

Ways to connect with Veterinary Financial Summit:

VetFinancialSummit.com

Instagram: @vetfinancialsummit

Facebook: https://www.facebook.com/VetFinancialSummit

Email: Leadership@VetFinancialSummit.com

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We published a blog recently by Dr. Phil Zeltzman (co-founder of VFS) called What Financial Advice Would You Give Your Younger Self? He interviewed some of the best minds in veterinary medicine about what advice they would have given themselves, knowing what they know now. In this episode, we expand on some of the takeaways from that blog.

• Tips for saving: High Yield Savings Accounts, Emergency Funds, and Automation

• Building credit: Credit Cards, Loans, Rent

• Investing: Roth IRA, 401(k) & 403(b), the “3 bucket strategy”, and Real Estate

• Student loan mistakes, how to tackle them, and saving for the tax bomb

• Career / Practice Ownership: Contracts, Practice Ownership as an investment

• Living Fully: Intentionally saving for the future, spending on what you enjoy

• Philosophy: Using CE money to learn new skills, making financial education a part of your continuing education

Mentioned in this episode:

Financial Advice For Your Younger Self Blog: https://vetfinancialsummit.com/what-financial-advice-would-you-give-your-younger-self/

Student Loan Planner ($100 off discount link): https://bit.ly/3V4iYJa

Debt-Free Vets Facebook Group: https://www.facebook.com/groups/1220774971268317

Episode 32 of the Veterinary Financial Podcast: Best Practices for Job Seekers

Ways to connect with Veterinary Financial Summit:

VetFinancialSummit.com

Instagram: @vetfinancialsummit

Facebook: https://www.facebook.com/VetFinancialSummit

Email: Leadership@VetFinancialSummit.com

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We asked Emmitt Nantz, Co-Founder of Inventory Ally, about the factors that drive inventory costs, COGS and how to calculate them, who should manage inventory at a vet practice, and common mistakes.

• What are the factors that drive inventory costs?

• How can practices keep costs under control?

• What are COGS and how do we calculate them?

• Why shouldn’t practices rely on their PIMS to manage inventory?

• Who should be in charge of inventory in a small practice?

• What are some common mistakes vet practices make with managing inventory?

• What is Inventory Ally?

• What was the experience like winning the pitch competition at the Veterinary Innovation Summit?

Ways to connect with Emmitt:

Website: https://inventoryally.com/

Email: emmitt@inventoryally.com

LinkedIn: https://www.linkedin.com/in/emmitt-nantz/

Ways to connect with Veterinary Financial Summit:

VetFinancialSummit.com

Instagram: @vetfinancialsummit

Facebook: https://www.facebook.com/VetFinancialSummit

Email: Leadership@VetFinancialSummit.com

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We asked Michael Natale, a licensed veterinary technician and talent acquisition and retention manager with Veterinary Emergency Group about his interest in personal finance, advice for colleagues trying to save for retirement or buy a home, staff retention, and financial tips for support staff.

• How did Michael get started in vet med and become interested in personal finance?

• What would Michael say to a support staff member who feels like they can’t save for retirement or buy a house?

• What is Michael’s role as a talent acquisition and retention manager?

• What are some interesting ideas to retain staff?

• Which staff are the hardest to retain in vet hospitals?

• What is Michael most excited about in his current roles?

• What are Michael’s best financial tips for support staff?

Ways to connect with Michael:

Instagram: @thevetmedteacher

Ways to connect with Veterinary Financial Summit:

VetFinancialSummit.com

Instagram: @vetfinancialsummit

Facebook: https://www.facebook.com/VetFinancialSummit

Email: Leadership@VetFinancialSummit.com

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We asked Mary Buss, veterinarian and the VP of Veterinary Operations at Hometown Veterinary Partners, about her experience in mentorship, developing leadership skills, practice ownership opportunities, and non-traditional veterinary roles.

• How has Mary’s interest in leadership and mentorship evolved?

• How can veterinarians become better mentors?

• What should a new grad look for in a mentor?

• How can veterinarians improve their leadership skills?

• What are some options out there now for vets who want to be practice owners?

• What is Mary’s advice for vets who want to pursue a non-traditional role, but don’t know where to start?

Ways to connect with Mary:

LinkedIn: https://www.linkedin.com/in/dr-mary-buss-5184433b/

Email: marybuss@hometownvetpartners.com

Ways to connect with Veterinary Financial Summit:

VetFinancialSummit.com

Instagram: @vetfinancialsummit

Facebook: https://www.facebook.com/VetFinancialSummit

Email: Leadership@VetFinancialSummit.com

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We asked Jason Balara, board-certified veterinary surgeon, real estate investor, and CEO of Lark Capital Group, about getting started with real estate investing, multi-family syndication investments, financial freedom, and his podcast “Know Your Why”.

• Why did Jason decide to get started with real estate investing?
• Where along the financial journey might real estate be a good fit?
• What are multi-family syndication investments?
• What is the new fund that Jason has started?
• What does “Know Your Why” mean to Jason?
• What does financial freedom mean to Jason?

Ways to connect with Jason:

https://www.larkcapital.com/

Email: jason@larkcapital.com

LinkedIn: https://www.linkedin.com/in/jasonbalara/

Instagram: https://www.instagram.com/larkcapital/

Ways to connect with Veterinary Financial Summit:

VetFinancialSummit.com

Instagram: @vetfinancialsummit

Facebook: https://www.facebook.com/VetFinancialSummit

Email: Leadership@VetFinancialSummit.com

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We asked Kelly Cronin, veterinary technician, entrepreneur, speaker, travel hacker, and millionaire about how she got started with short-term rentals, her experience speaking to veterinary teams on financial fitness, and her best travel hacking tips.

• What is Kelly’s background in veterinary medicine?

• How did Kelly get started with short-term rentals?

• What short-term rentals does Kelly have and where are they located?

• How do people find out about her short-term rentals?

• What topics does Kelly speak on and what message does she share?

• What are some limiting beliefs Kelly sees with veterinary team members regarding finances?

• What is VetTechLife?

• What are Kelly’s best travel hacking tips?

Ways to connect with Kelly:

VetTechLife: https://vettechlife.com/

Cronin’s Castles: https://croninscastles.com/

VetTechLife Financial Fitness Facebook group: https://www.facebook.com/groups/1565420814266226

LinkedIn: https://www.linkedin.com/in/kellylynncronin/

Email: kelly.lynn.cronin@gmail.com

Instagram: @kelly.lynn.cronin

Ways to connect with Veterinary Financial Summit:

VetFinancialSummit.com

Instagram: @vetfinancialsummit

Facebook: https://www.facebook.com/VetFinancialSummit

Email: Leadership@VetFinancialSummit.com

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In this BONUS episode of the Veterinary Financial Podcast, we discuss the upcoming Virtual Veterinary Financial Summit. Happening on September 30 - October 1, the Summit is a virtual event that brings veterinary professionals together to learn about personal finance and practice management. We aim to empower attendees with the knowledge to make better financial decisions.

• What is the Virtual Veterinary Financial Summit?

• What’s on the Agenda this year?

• Designing your financial plan

View the Agenda: https://vetfinancialsummit.com/summit/

Get Your Ticket: https://vetfinancialsummit.ticketspice.com/vfs2023

Ways to connect with Veterinary Financial Summit:

https://VetFinancialSummit.com

Instagram: @vetfinancialsummit

Facebook: https://www.facebook.com/VetFinancialSummit

LinkedIn: https://www.linkedin.com/company/vetfinancialsummit

Email: Leadership@VetFinancialSummit.com

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As of September 1st, interest began accruing on student loans again and payments will restart soon. In this special episode of the Veterinary Financial Podcast, we hope to clear up some of the confusion around student loans and share what everyone needs to know about payments, interest, and the new SAVE plan.

• What’s going on with student loan interest?

• What are some things to do before payments restart?

• What are the 2 main repayment strategies?

• What are the main repayment plans now?

• Why are payments lower on SAVE?

• What are the changes in interest with the SAVE play?

• How to get a student loan consultation

• Saving for the tax bomb

Mentioned in this episode:

Virtual Vet Financial Summit www.VetFinancialSummit.com/summit

Student Loan Planner VFS scheduling link ($100 discount): https://www.studentloanplanner.com/vetfinancialsummit

Meredith’s Student Loan Planner scheduling link ($100 discount): https://calendly.com/studentloanplanner-team/1-hr-consult-w-meredith-special-discount

VIN Foundation Student Loan Repayment Simulator: https://www.vinfoundation.org/loansim

Ways to connect with Veterinary Financial Summit:

VetFinancialSummit.com

Instagram: @vetfinancialsummit

Facebook: https://www.facebook.com/VetFinancialSummit

Email: Leadership@VetFinancialSummit.com

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We asked Bash Halow, a Certified Veterinary Practice Manager, practice consultant, and owner of Halow Consulting about how money is discussed with veterinary teams, what it means to have an empowered team, and common mistakes when it comes to discussing money with clients.

• How is money being discussed with veterinary teams?

• What are some ways to talk about practice profitability with a team?

• How can practice leaders have more productive conversations about raises and employee benefits with team members?

• What are Bash’s thoughts on level or tier systems for techs and assistants?

• What does it mean to have an empowered team?

• How can practice leadership help team members become more comfortable discussing money with clients?

• What are some of Bash’s favorite productivity tips?

Ways to connect with Bash:

BashHalow.com

LinkedIn: https://www.linkedin.com/in/bashhalow/

Communication and Workflow in the Age of Stress: https://www.bashhalow.com/communication-and-workflow-in-the-age-of-stress/

Ways to connect with Veterinary Financial Summit:

VetFinancialSummit.com

Instagram: @vetfinancialsummit

Facebook: https://www.facebook.com/VetFinancialSummit

Email: Leadership@VetFinancialSummit.com

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In this episode, the Veterinary Financial Podcast co-hosts discuss new and recent grads comparing job offers and prioritizing money and numbers over mentorship and the culture of a practice.

• What are some examples of doing due diligence in learning about a practice?

• What are some things to look for in a practice?

• What are some things that are overlooked when it comes to compensation?

• What details should be included in a contract?

• What are some things to watch out for in a contract?

Compensation is Not Just about the Salary: https://vetfinancialsummit.com/compensation-is-not-just-about-salary

How to Calculate Production: https://vetfinancialsummit.com/how-to-calculate-production

NerdWallet Cost of Living Calculator: https://www.nerdwallet.com/cost-of-living-calculator

Do you like these roundtable episodes? Let us know at Leadership@vetfinancialsummit.com

Ways to connect with Veterinary Financial Summit:

https://VetFinancialSummit.com

Instagram: @vetfinancialsummit

Facebook: https://www.facebook.com/VetFinancialSummit

LinkedIn: https://www.linkedin.com/company/vetfinancialsummit

Email: Leadership@VetFinancialSummit.com

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We asked Ivan Zak, veterinarian, serial entrepreneur, the CEO of Galaxy Vets, and passionate advocate for the well-being of veterinary professionals, about his recently published third annual Burnout Study in the Veterinary Profession, salary versus production-based pay structure, and work-life balance.

• What are some of the most significant financial-related findings of the burnout study?

• What are the pros and cons of production-based pay?

• Which groups of veterinarians experience the highest rates of burnout?

• What are the study’s findings on hybrid and remote work in the veterinary industry?

• What are Ivan’s suggestions to make schedules more sustainable?

• How can employers help their team members with work-life balance?

• What unique benefits could an employer provide to help ease the burden of student debt and financial strain?

Download the full Burnout Study Whitepaper: https://links.galaxyvets.com/burnoutstudy

Download the Research Paper on Burnout Triggers in Veterinary Medicine: https://galaxyvets.com/learning-center/eliminate-these-six-burnout-triggers-from-your-veterinary-hospital/

Ways to connect with Ivan:

LinkedIn: https://www.linkedin.com/in/dr-ivan-zak/

Galaxy Vets: https://galaxyvets.com/

Ways to connect with Veterinary Financial Summit:

https://VetFinancialSummit.com

Instagram: @vetfinancialsummit

Facebook: https://www.facebook.com/VetFinancialSummit

LinkedIn: https://www.linkedin.com/company/vetfinancialsummit

Email: Leadership@VetFinancialSummit.com

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We asked Dr. Mike Bugg, veterinarian, real estate investor, and co-host of The Veterinary Project Podcast, about his recently published book, money mindset, transitioning from clinical practice to real estate investor, and goal-setting.

• Why did Mike decide to write a book?

• What beliefs might be holding veterinarians back when it comes to money?

• What are Mike’s thoughts on the state of the veterinary industry right now?

• How did Mike make the transition from full-time clinical practice to real estate investing?

• What are Mike’s favorite tips for goal-setting?

***Book Giveaway: https://vetfinancialsummit.ck.page/bookgiveaway

Ways to connect with Mike:

Michael Bugg’s website https://michaelbugg.com

The Veterinary Project https://theveterinaryproject.com

Instagram https://www.instagram.com/theveterinaryproject

Book: https://amzn.to/3oZvlrE

Ways to connect with Veterinary Financial Summit:

VetFinancialSummit.com

Instagram: @vetfinancialsummit

Facebook: https://www.facebook.com/VetFinancialSummit

Email: Leadership@VetFinancialSummit.com

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We asked Steve Oehley, Contract Veterinarian in New Zealand, career coach, and host of the Next Step Vet podcast, about veterinary career paths, making a career switch, non-traditional careers, and helping veterinarians discover their strengths.

• Has Steve seen an increase in vets looking to change their career paths since the pandemic began?

• What are the most common concerns of those looking to change their career paths?

• What are Steve’s thoughts on self-awareness when designing a career?

• How can vets who are interested in non-traditional careers discover their strengths?

• What does Steve mean when he says, “Passion is the RESULT of a good career, not the start of it.”?

Ways to connect with Steve:

LinkedIn: https://www.linkedin.com/in/steve-oehley/

Podcast: https://next-step-vet.captivate.fm/

E-mail: steve@nextstep.vet

Ways to connect with Veterinary Financial Summit:

VetFinancialSummit.com

Instagram: @vetfinancialsummit

Facebook: https://www.facebook.com/VetFinancialSummit

Email: Leadership@VetFinancialSummit.com

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We asked Isaiah Douglass, a Certified Financial Planner and Partner at Vincere Wealth Management, about his thoughts on the financial landscape for 2023, investing, working with remote teams, emergency funds, and Bitcoin.

• What are Isaiah’s thoughts on the financial landscape for 2023?

• Is veterinary medicine recession-proof?

• What are the best questions to ask a financial advisor?

• What is the all-weather investment strategy?

• What are Isaiah’s thoughts on practice ownership?

• What insights does Isaiah have for working with remote teams?

• What do you do if you have an emergency fund and extra money in the bank?

• Why should vets care about Bitcoin?

Ways to connect with Isaiah Douglass:

Vincere Wealth Management: https://www.vincerewealth.com/veterinarian

Veterinarian Success Podcast: https://www.veterinariansuccesspodcast.com

LinkedIn: https://www.linkedin.com/in/isaiah-douglass-mba-cfp%C2%AE-cepa-29255462/

Isaiah’s suggested Bitcoin resources: https://twitter.com/IDFinancial/status/1369672078182514691

Ways to connect with Veterinary Financial Summit:

VetFinancialSummit.com

Instagram: @vetfinancialsummit

Facebook: https://www.facebook.com/VetFinancialSummit

Email: Leadership@VetFinancialSummit.com

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We asked Kayla Donovan, a veterinary practice management consultant with Transformation Group Business Advisory, about common practice management mistakes, practice valuation, exit strategy, and selling a practice.

• What are the most common practice management mistakes Kayla sees?

• What clients/practices typically seek out Kayla’s services?

• What are some important factors to take into account when considering practice valuation?

• What are some practice ownership trends Kayla is seeing?

• When is the best time to plan an exit strategy?

• What should a practice owner consider when selling a practice?

Ways to connect with Kayla:

Email: kayla@transformationba.com

Website: https://transformationba.com/

LinkedIn: https://www.linkedin.com/in/kayla-donovan-73a88436/

Phone: (732)642-6321

Ways to connect with Veterinary Financial Summit:

https://VetFinancialSummit.com

Instagram: @vetfinancialsummit

Facebook: https://www.facebook.com/VetFinancialSummit

LinkedIn: https://www.linkedin.com/company/vetfinancialsummit

Email: Leadership@VetFinancialSummit.com

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We asked Jeff Rothstein, veterinarian and the founder of Mission Veterinary Partners, about the evolution of corporate medicine, practice ownership and management, and staffing in the current competitive job market.

• What are Jeff’s insights on the evolution of corporate medicine?

• What options are there for practice ownership outside of the traditional model?

• How did Jeff decide to pursue the business side of veterinary medicine?

• What sort of risk tolerance do you need to pursue practice ownership?

• What are some common unnecessary expenses in a veterinary hospital?

• What are some common practice management mistakes?

• How is mentorship being offered in Jeff’s practices?

• What are some key benefits practice owners can offer to stand out among the competition?

Ways to Connect with Jeff:

Email: jknis@sbcglobal.net

Mobile: 734-645-0267

LinkedIn: https://www.linkedin.com/in/jeff-rothstein-97227347/

Ways to connect with Veterinary Financial Summit:

https://VetFinancialSummit.com

Instagram: @vetfinancialsummit

Facebook: https://www.facebook.com/VetFinancialSummit

LinkedIn: https://www.linkedin.com/company/vetfinancialsummit

Email: Leadership@VetFinancialSummit.com

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This podcast episode marks a milestone in the Debt-Free Vets Facebook Community. We recently reached 10,000 members! That’s 10,000 vets and vet students from 97 different countries all around the world.

In this episode, the Debt-Free Vets moderators, Dr. Meredith Jones, Dr. Willie Bidot, and Dr. Chris Bidwell, talk about how and why the Debt-Free Vets group was started.

• Who is the Debt-Free Vets group for?

• How did Dr. Bidwell and Dr. Bidot become moderators?

• What does the group name mean and what are common misconceptions?

• What are the most common questions seen in the group?

• What are the most controversial topics seen in the group?

• What is planned for the group?

Debt-Free Vets group: https://www.facebook.com/groups/DebtFreeVets

Everything You Need to Know About Student Loans Right Now webinar: https://vimeo.com/user7519496/studentloans

$100 discount on a consult with Student Loan Planner (referral link): https://www.studentloanplanner.com/vetfinancialsummit

High Debt and Falling Demand Trap New Vets (NY Times, 2013):

https://www.nytimes.com/2013/02/24/business/high-debt-and-falling-demand-trap-new-veterinarians.html

Ways to connect with Veterinary Financial Summit:

https://VetFinancialSummit.com

Instagram: @vetfinancialsummit

Facebook: https://www.facebook.com/VetFinancialSummit

LinkedIn: https://www.linkedin.com/company/vetfinancialsummit

Email: Leadership@VetFinancialSummit.com

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We asked Eric Miller, Chief Financial Advisor and owner of Econologics Financial Advisors about why practice ownership is so important for veterinarians, how to minimize the effects of inflation on business and personal finance, roles practice owners play in the practice, and exit strategies. - Why is practice ownership important for veterinarians? - Is practice ownership a great idea right now for new practice owners? - What are Eric’s thoughts on staffing in the age of The Great Resignation? - How can practice leaders minimize the effects of inflation on their business? - How can veterinarians minimize the effects of inflation on their personal finances? - What roles should a practice owner play in their practice? - How should a practice owner structure their own compensation? - What is a common financial mistake practice owners make? - What is an exit strategy and when do you start planning it? - What are some methods to offer equity in your practice? - How do you know how much to buy or sell a practice at?

Ways to connect with Eric: https://econologicsfinancialadvisors.com/ (https://EconologicsFinancialAdvisors.com/) YouTube - https://www.youtube.com/c/FinancialBeast (https://www.youtube.com/c/FinancialBeast) LinkedIn - https://linkedin.com/in/ericisyourbfff (https://linkedin.com/in/ericisyourbfff) Facebook - https://facebook.com/econologicsfinancial (https://facebook.com/econologicsfinancial)

Ways to connect with Veterinary Financial Summit:  https://vetfinancialsummit.com (https://VetFinancialSummit.com) Instagram: @vetfinancialsummit Facebook: https://www.facebook.com/VetFinancialSummit (https://www.facebook.com/VetFinancialSummit) LinkedIn: https://www.linkedin.com/company/vetfinancialsummit (https://www.linkedin.com/company/vetfinancialsummit) Email: Leadership@VetFinancialSummit.com

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In this BONUS episode of the Veterinary Financial Podcast, we talk about the upcoming Virtual Veterinary Financial Summit. Happening on October 22-23, the Summit is a virtual event that brings veterinary professionals from around the world together to learn about money topics. Our goal is to empower attendees with the knowledge to make better financial decisions. - What makes the Vet Financial Summit different? - What’s on the Agenda for this year? - The two tracks at the Vet Financial Summit: Personal Finance and Practice Finance/Management - What’s happening each day? (Saturday and Sunday) - The Financial Goal-Setting Workshop

Register for the Summit: https://vetfinancialsummit.com/summit/ (https://vetfinancialsummit.com/summit/)

Ways to connect with Veterinary Financial Summit:  https://vetfinancialsummit.com (https://VetFinancialSummit.com) Instagram: @vetfinancialsummit Facebook: https://www.facebook.com/VetFinancialSummit (https://www.facebook.com/VetFinancialSummit) LinkedIn: https://www.linkedin.com/company/vetfinancialsummit (https://www.linkedin.com/company/vetfinancialsummit) Email: Leadership@VetFinancialSummit.com

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In this BONUS episode of the Veterinary Financial Podcast, we talk about the upcoming Virtual Veterinary Financial Summit. Happening on October 22-23, the Summit is a virtual event that brings veterinary professionals from around the world together to learn about money topics. Our goal is to empower attendees with the knowledge to make better financial decisions. - What makes the Vet Financial Summit different? - What’s on the Agenda for this year? - The two tracks at the Vet Financial Summit: Personal Finance and Practice Finance/Management - What’s happening each day? (Saturday and Sunday) - The Financial Goal-Setting Workshop

Register for the Summit: https://vetfinancialsummit.com/summit/ (https://vetfinancialsummit.com/summit/)

Ways to connect with Veterinary Financial Summit:  https://vetfinancialsummit.com (https://VetFinancialSummit.com) Instagram: @vetfinancialsummit Facebook: https://www.facebook.com/VetFinancialSummit (https://www.facebook.com/VetFinancialSummit) LinkedIn: https://www.linkedin.com/company/vetfinancialsummit (https://www.linkedin.com/company/vetfinancialsummit) Email: Leadership@VetFinancialSummit.com

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We asked Lance Roasa, veterinarian and attorney, about employment contracts, salary versus ProSal, common mistakes with contracts, non-competes, and negotiation. - Is a contract appropriate in all employment situations? - What are new contract trends Lance is seeing in veterinary medicine? - How would Lance explain ProSal to a new grad? - Are there pitfalls to watch out for with ProSal? - What are some common mistakes employers and employees make with contracts? - Is there a place for non-competes in the current job market? - What are the most important or best negotiating tips? US Bureau of Labor Statistics - Veterinarians https://www.bls.gov/oes/current/oes291131.htm (https://www.bls.gov/oes/current/oes291131.htm) AVMA Economic State of the Profession (membership required for free report) https://ebusiness.avma.org/ProductCatalog/product.aspx?ID=2000 (https://ebusiness.avma.org/ProductCatalog/product.aspx?ID=2000)

Ways to connect with Lance: Website: https://www.roasalaw.com/ (https://www.roasalaw.com/) LinkedIn: https://www.linkedin.com/in/lance-roasa-58338114/ (https://www.linkedin.com/in/lance-roasa-58338114/)

Ways to connect with Veterinary Financial Summit:  https://vetfinancialsummit.com (https://VetFinancialSummit.com) Instagram: @vetfinancialsummit Facebook: https://www.facebook.com/VetFinancialSummit (https://www.facebook.com/VetFinancialSummit) LinkedIn: https://www.linkedin.com/company/vetfinancialsummit (https://www.linkedin.com/company/vetfinancialsummit) Email: Leadership@VetFinancialSummit.com

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We asked Lance Roasa, veterinarian and attorney, about employment contracts, salary versus ProSal, common mistakes with contracts, non-competes, and negotiation. - Is a contract appropriate in all employment situations? - What are new contract trends Lance is seeing in veterinary medicine? - How would Lance explain ProSal to a new grad? - Are there pitfalls to watch out for with ProSal? - What are some common mistakes employers and employees make with contracts? - Is there a place for non-competes in the current job market? - What are the most important or best negotiating tips? US Bureau of Labor Statistics - Veterinarians https://www.bls.gov/oes/current/oes291131.htm (https://www.bls.gov/oes/current/oes291131.htm) AVMA Economic State of the Profession (membership required for free report) https://ebusiness.avma.org/ProductCatalog/product.aspx?ID=2000 (https://ebusiness.avma.org/ProductCatalog/product.aspx?ID=2000)

Ways to connect with Lance: Website: https://www.roasalaw.com/ (https://www.roasalaw.com/) LinkedIn: https://www.linkedin.com/in/lance-roasa-58338114/ (https://www.linkedin.com/in/lance-roasa-58338114/)

Ways to connect with Veterinary Financial Summit:  https://vetfinancialsummit.com (https://VetFinancialSummit.com) Instagram: @vetfinancialsummit Facebook: https://www.facebook.com/VetFinancialSummit (https://www.facebook.com/VetFinancialSummit) LinkedIn: https://www.linkedin.com/company/vetfinancialsummit (https://www.linkedin.com/company/vetfinancialsummit) Email: Leadership@VetFinancialSummit.com

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We asked Grace Kim, veterinarian, financial coach and the founder of Richer Life DVM, about getting started with personal finance, budgeting, money saving hacks, and common financial mistakes veterinarians make. - Where does the journey start with getting finances on track? - Why is a budget or cash flow plan important? - What is the best way to get started with budgeting? - What are Grace’s best tips for automating finances? - Should everyone have a monthly budget? - What are the top 3 money concerns Grace hears from new grads? - What are some common financial mistakes vets make?

You Need a Budget:https://www.youneedabudget.com/ (https://www.youneedabudget.com/)

Ways to Connect with Grace: https://richerlifedvm.com/ (https://richerlifedvm.com/) Facebook: https://www.facebook.com/richerlifedvm (https://www.facebook.com/richerlifedvm) Instagram: https://www.instagram.com/richerlifedvm/ (https://www.instagram.com/richerlifedvm) LinkedIn: https://bit.ly/3THxSBL (https://bit.ly/3THxSBL)

Ways to connect with Veterinary Financial Summit:  https://vetfinancialsummit.com (https://VetFinancialSummit.com) Instagram: @vetfinancialsummit Facebook: https://www.facebook.com/VetFinancialSummit (https://www.facebook.com/VetFinancialSummit) LinkedIn: https://www.linkedin.com/company/vetfinancialsummit (https://www.linkedin.com/company/vetfinancialsummit) Email: Leadership@VetFinancialSummit.com

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We asked Cindy Trice, veterinarian and the Founder & CEO of Relief Rover, about veterinary relief work, what relief vets need to know about taxes and insurance, travel hacking, and trends that she is seeing with relief compensation. - How some vets choose relief work as a side gig and others as a career - The differences between being paid through W2 versus 1099 - How to estimate for self-employment taxes - What type of insurance should vets consider when working relief? - What are some insurance misconceptions? - Why did Cindy start Relief Rover and what resources does it provide? - What are some trends Cindy is seeing with relief compensation? -  Does Cindy think more vets will pivot to relief work? - What is Cindy’s favorite travel hack? Relief Rover Wage Calculator https://reliefrover.com/relief-veterinarian-salary-wage-calculator/ (https://reliefrover.com/relief-veterinarian-salary-wage-calculator/)

Worker’s Compensation By State https://bit.ly/3cWWAgK (https://bit.ly/3cWWAgK)

1099 vs. W2 - What’s the Difference? https://vetfinancialsummit.com/1099-vs-w2-whats-the-difference/ (https://vetfinancialsummit.com/1099-vs-w2-whats-the-difference/)

Travel Hacking Blog https://vetfinancialsummit.com/how-two-vets-went-to-hawaii-for-48/ (https://vetfinancialsummit.com/how-two-vets-went-to-hawaii-for-48/)

Ways to Connect with Cindy: https://reliefrover.com/ (https://reliefrover.com/) LinkedIn: https://www.linkedin.com/in/cindy-trice-9464566/ (https://www.linkedin.com/in/cindy-trice-9464566/) Email: cindytricedvm@reliefrover.com

Ways to connect with Veterinary Financial Summit:  https://vetfinancialsummit.com (https://VetFinancialSummit.com) Instagram: @vetfinancialsummit Facebook: https://www.facebook.com/VetFinancialSummit (https://www.facebook.com/VetFinancialSummit) LinkedIn: https://www.linkedin.com/company/vetfinancialsummit (https://www.linkedin.com/company/vetfinancialsummit) Email: Leadership@VetFinancialSummit.com

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We asked Andrew Rotz, Certified Financial Planner and the Director of Personal Finance and Financial Literacy at North Carolina State’s College of Veterinary Medicine, about working with vet students, their biggest financial concerns, and veterinary employment contracts. - What Andrew’s day to day looks like working at NC State - What are the biggest financial concerns of interns and residents? - What are some common mistakes vet students and early career vets make? - What are the most common student debt questions Andrew gets from students? - When is the ideal time to pursue a student loan consultation? - What trends is Andrew seeing with veterinary job offers and contracts? - What should new grads keep in mind when receiving their first job offers? - What are the most overlooked benefits in contracts? - What are some pitfalls to watch out for in contracts?

Ways to connect with Andrew: Tide & Tempest Financial: https://tidetempestfinancial.com (https://tidetempestfinancial.com) Andrew’s email: andrewrotz@tidetempestfinancial.com LinkedIn: https://www.linkedin.com/in/andrew-rotz/ (https://www.linkedin.com/in/andrew-rotz/)

Ways to connect with Veterinary Financial Summit:  https://vetfinancialsummit.com (https://VetFinancialSummit.com) Instagram: @vetfinancialsummit Facebook: https://www.facebook.com/VetFinancialSummit (https://www.facebook.com/VetFinancialSummit) LinkedIn: https://www.linkedin.com/company/vetfinancialsummit (https://www.linkedin.com/company/vetfinancialsummit) Email: Leadership@VetFinancialSummit.com

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We asked Cyndie Courtney, small animal veterinarian, a speaker, consultant, and The Jerk Researcher about jerks in the veterinary practice, how much a jerk costs veterinary practices, and what can be done about them. - How Cyndie became The jerk Researcher - Why Cyndie chose the word ‘Jerk’ and what it means to her - What are other ways one can be a jerk outside of behavior? - How do jerks affect the bottom line of a practice? - Advice on how to deal with jerks - How to know if you are the jerk - How can a practice prevent becoming a systemic jerk? Ways to connect with Cyndie: https://www.thejerkresearcher.com/ (https://www.thejerkresearcher.com/) Instagram: @TheJerkResearcher Facebook: https://www.facebook.com/thejerkresearcher/ (https://www.facebook.com/thejerkresearcher/) LinkedIn: https://www.linkedin.com/in/thejerkresearcher/ (https://www.linkedin.com/in/thejerkresearcher/)

Ways to connect with Veterinary Financial Summit:  https://vetfinancialsummit.com (https://VetFinancialSummit.com) Instagram: @vetfinancialsummit Facebook: https://www.facebook.com/VetFinancialSummit (https://www.facebook.com/VetFinancialSummit) LinkedIn: https://www.linkedin.com/company/vetfinancialsummit (https://www.linkedin.com/company/vetfinancialsummit) Email: Leadership@VetFinancialSummit.com

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We asked Meagan Landress, student loan consultant for Student Loan Planner, financial coach, and a Certified Student Loan Professional about what a student loan consult entails, the changes occurring with student loans, determining the best route of repayment, and common mistakes vets make with student loans. - What does a student loan consult with Meagan entail? - What do vets need to keep in mind for when payments resume? - What does Meagan recommend if the government extends the pause again? - How do you determine the best route of repayment? - What are the most common mistakes vets make with student loan repayment? - Has Meagan seen an increase in the number of vets able to pay their loans off in full with the increase in salaries? - What are some student loan tips the class of 2022 should know?

***This episode was recorded before the recent changes made to federal student loan forgiveness. You can learn more here: https://www.studentloanplanner.com/major-reform-idr-plans/ (https://www.studentloanplanner.com/major-reform-idr-plans/)

Student Loan Resources: Student Loan Planner Calculator: https://www.studentloanplanner.com/free-student-loan-calculator/ (https://www.studentloanplanner.com/free-student-loan-calculator/) VIN Student Loan Repayment Simulator: https://www.vin.com/studentdebtcenter/default.aspx?pid=14352&id=7578014 (https://www.vin.com/studentdebtcenter/default.aspx?pid=14352&id=7578014)

Ways to connect with Meagan: https://www.financialcoachmeagan.com (https://www.financialcoachmeagan.com) https://www.studentloanplanner.com/ (https://www.studentloanplanner.com/) LinkedIn: https://www.linkedin.com/in/meaganlandress/ (https://www.linkedin.com/in/meaganlandress/) Instagram: https://www.instagram.com/financialcoachmeagan/ (https://www.instagram.com/financialcoachmeagan/)

Ways to connect with Veterinary Financial Summit:  https://vetfinancialsummit.com (https://VetFinancialSummit.com) Instagram: @vetfinancialsummit Facebook: https://www.facebook.com/VetFinancialSummit (https://www.facebook.com/VetFinancialSummit) LinkedIn: https://www.linkedin.com/company/vetfinancialsummit (https://www.linkedin.com/company/vetfinancialsummit) Email: Leadership@VetFinancialSummit.com

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We asked Stacey Cordivano, equine vet, practice owner, and host of The Whole Veterinarian Podcast about becoming a practice owner, focusing on physical and mental wellbeing, meditation, and creating sustainability in equine practice. - What was the shift in thinking Stacey had about her career? - How did this change how she practiced? - How did Stacey get started with real estate investing? - What is The Whole Veterinarian about and what is its mission? - What are some good wellbeing habits? - What is a life plan and how do you make one? - What is the Sustainability in Equine Practice Seminar & Retreat? - How do we create more sustainability in equine practice? - What advice does Stacey have for vet students or new grads who want to pursue equine practice?

Create Your Own Strategic Life Plan: https://thewholeveterinarian.com/freeguide/ (https://thewholeveterinarian.com/freeguide/)

Ways to connect with Stacey: https://thewholeveterinarian.com/freeguide/ (https://thewholeveterinarian.com) Instagram: @thewholeveterinarian Email: thewholeveterinarian@gmail.com

Ways to connect with Veterinary Financial Summit:  https://vetfinancialsummit.com (https://VetFinancialSummit.com) Instagram: @vetfinancialsummit Facebook: https://www.facebook.com/VetFinancialSummit (https://www.facebook.com/VetFinancialSummit) LinkedIn: https://www.linkedin.com/company/vetfinancialsummit (https://www.linkedin.com/company/vetfinancialsummit) Email: Leadership@VetFinancialSummit.com

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We asked Sam Morello, board certified large animal surgeon, speaker, and researcher on veterinary compensation, about her recent study on intern and resident salaries, financial strain among postgraduate veterinary trainees, and how she became interested in demographics and salaries in the veterinary profession.  - What is Sam’s recent study about? - Are interns and residents being paid a living wage? - How are house officer salaries being determined? - Is there any correlation between cost of living and salaries? - How well are they being paid based on how many hours they are working? - What other financial barriers do vets in training programs face? - What are Sam’s thoughts on the link between financial stress and lower well-being scores? - What advice does Sam have for vet students looking to start their careers? - Are there differences between benefits given in academic settings versus private practice? - Is there a difference in the gender gap with surgeons on production pay versus salary? - Should we talk about compensation more openly? Sam’s research studies: Compensation: https://avmajournals.avma.org/view/journals/javma/260/1/javma.21-07-0336.xml (https://avmajournals.avma.org/view/journals/javma/260/1/javma.21-07-0336.xml) Wage gap: https://avmajournals.avma.org/view/journals/javma/255/11/javma.255.11.1270.xml (https://avmajournals.avma.org/view/journals/javma/255/11/javma.255.11.1270.xml)

Merck Well-being study: https://www.merck-animal-health-usa.com/wp-content/uploads/sites/54/2022/02/2021-PSV-Veterinary-Wellbeing-Presentation_V2.pdf (https://www.merck-animal-health-usa.com/wp-content/uploads/sites/54/2022/02/2021-PSV-Veterinary-Wellbeing-Presentation_V2.pdf)

Ways to connect with Sam: LinkedIn: https://www.linkedin.com/in/samantha-morello-956a9525/ (https://www.linkedin.com/in/samantha-morello-956a9525/) Email: vetsam@gmail.com ACVS: https://online.acvs.org/acvsssa/rflcustomdisplay.detail_page?p_vendor_serno=104366 (https://online.acvs.org/acvsssa/rflcustomdisplay.detail_page?p_vendor_serno=104366)

Ways to connect with Veterinary Financial Summit:  https://vetfinancialsummit.com (https://VetFinancialSummit.com) Instagram: @vetfinancialsummit Facebook: https://www.facebook.com/VetFinancialSummit (https://www.facebook.com/VetFinancialSummit) LinkedIn: https://www.linkedin.com/company/vetfinancialsummit (https://www.linkedin.com/company/vetfinancialsummit) Email: Leadership@VetFinancialSummit.com

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Episode 14 marks the one year anniversary of the Veterinary Financial Podcast! It also marks a transition for both the Veterinary Financial Summit and the podcast as Dr. Phil Zeltzman steps away from his executive role to focus on his surgery practice and other projects.  In this episode, we speak with Dr. Willie Bidot, a board certified lab animal veterinarian, co-founder and president of Veterinarians for Puerto Rico, and a huge money nerd, about how he will be stepping up to be a part of the Veterinary Financial Summit leadership team. What has Willie’s career trajectory been like? How did Willie and Meredith meet? How did Willie first become interested in personal finance? What is Willie’s experience in the financial education space? What advice does Phil have for Willie as he steps into this leadership role? What is Willie most excited about as he joins the Veterinary Financial Summit leadership team? What are some of the highlights from 2021? What can you look forward to from VFS in 2022?

Resources:  Debt-free Vets Facebook Group: https://www.facebook.com/groups/1220774971268317 (https://www.facebook.com/groups/1220774971268317) VIN Foundation Student Debt Repayment Simulator: http://vinfoundation.org/loansim (http://vinfoundation.org/loansim)

Ways to connect with Veterinary Financial Summit:  https://vetfinancialsummit.com (https://VetFinancialSummit.com) Instagram: @vetfinancialsummit Facebook: https://www.facebook.com/VetFinancialSummit (https://www.facebook.com/VetFinancialSummit) LinkedIn: https://www.linkedin.com/company/vetfinancialsummit (https://www.linkedin.com/company/vetfinancialsummit) Email: Leadership@VetFinancialSummit.com

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We asked Dave Nicol, veterinarian, business leader, and founder of VetX International, about his recent leadership study, the importance of having a vision statement in veterinary practices, tackling toxic practice cultures, and how culture affects a practice’s bottom line. - What were the goals of the Leadership Actions and Their Effects on Veterinary Practice Culture study? - What were the main findings of the study? - What makes a clearly defined vision statement? - How do practice leaders begin to craft a vision statement? - How much time should veterinary leaders devote to leadership priorities versus clinical versus administrative tasks? - What factor in the study has the biggest impact on culture? - How do we tackle toxicity in veterinary practices? - What are some tips for effectively attracting and hiring veterinarians? - What factors contribute to overall happiness in the workplace for vets and team members? - How does culture affect the bottom line in a practice? Ways to connect with Dave: Instagram: @drdavenicol    www.vetxinternational.com Leadership Actions and Their Effects on Veterinary Practice Culture Study: https://www.vetxinternational.com/new-study-reveals-link-between-specific-leadership-actions-and-veterinary-practice-culture/ (https://www.vetxinternational.com/new-study-reveals-link-between-specific-leadership-actions-and-veterinary-practice-culture/)

Ways to connect with Veterinary Financial Summit:  https://vetfinancialsummit.com (https://VetFinancialSummit.com) Instagram: @vetfinancialsummit Facebook: https://www.facebook.com/VetFinancialSummit (https://www.facebook.com/VetFinancialSummit) LinkedIn: https://www.linkedin.com/company/vetfinancialsummit (https://www.linkedin.com/company/vetfinancialsummit) Email: Leadership@VetFinancialSummit.com

Thank you to our Partners: CareCredit: https://www.carecredit.com/vetmed/ (https://www.carecredit.com/vetmed) TeleVet: https://televet.com/ (https://televet.com) Royal Canin: https://www.royalcanin.com/ (https://www.royalcanin.com) Galaxy Vets: https://galaxyvets.com/ (https://galaxyvets.com) Eckard Enterprises: https://eckardenterprises.com/ (https://eckardenterprises.com) VetX International: http://vetxinternational.com (http://vetxinternational.com)

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We asked Ivan Zak, veterinarian, founder of Smart Flow, Veterinary Integration Solutions, Galaxy Vets, and passionate advocate for the wellbeing of veterinary professionals, about his newly released Burnout Study in the Veterinary Profession, the correlation between goal setting and burnout, how employers can help teams improve work/life balance, and why he founded Galaxy Vets. - What the main findings of the Burnout Study in the Veterinary Profession are - How employers can help their teams improve work/life balance - How Ivan recommends to set goals - What Ivan learned consulting with veterinary consolidators - Why Ivan decided to start Galaxy Vets - How does the equity program at Galaxy Vets work? - What should a practice owner ask a potential buyer when they are looking to sell? - Is there a solution to the increase in caseload combined with the veterinary workforce shortage? - What is Ivan’s opinion on commission-based compensation? - What is the long-term vision for Galaxy Vets? - What are some elements in Galaxy Vets’ strategy to prevent burnout?

Ways to connect with Ivan: LinkedIn: https://www.linkedin.com/in/dr-ivan-zak/ (https://www.linkedin.com/in/dr-ivan-zak/) https://vetintegrations.com/ (https://vetintegrations.com/) https://galaxyvets.com/ (https://galaxyvets.com/)

Burnout Study in the Veterinary Profession: https://vetintegrations.com/insights/burnout2021/ (https://vetintegrations.com/insights/burnout2021/) Webinar on the Burnout Study: https://galaxyvets.com/burnout-and-work-life-balance-study-2021/ (https://galaxyvets.com/burnout-and-work-life-balance-study-2021/)

Ways to connect with Veterinary Financial Summit:  https://vetfinancialsummit.com (https://VetFinancialSummit.com) Instagram: @vetfinancialsummit Facebook: https://www.facebook.com/VetFinancialSummit (https://www.facebook.com/VetFinancialSummit) LinkedIn: https://www.linkedin.com/company/vetfinancialsummit (https://www.linkedin.com/company/vetfinancialsummit) Email: Leadership@VetFinancialSummit.com

Thank you to our Partners: CareCredit: https://www.carecredit.com/vetmed/ (https://www.carecredit.com/vetmed) TeleVet: https://televet.com/ (https://televet.com) Royal Canin: https://www.royalcanin.com/ (https://www.royalcanin.com) Galaxy Vets: https://galaxyvets.com/ (https://galaxyvets.com) Eckard Enterprises: https://eckardenterprises.com/ (https://eckardenterprises.com) VetX International: http://vetxinternational.com (http://vetxinternational.com)

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We asked Eve Harrison, full time house call vet, owner of a concierge veterinary practice, and founder of the House Call Vet Academy, about how she decided to become a house call vet, her experience in concierge medicine, and why she started the House Call Vet Academy course. - How Eve became a concierge vet - What is the difference between a house call vet and a concierge vet? - How someone becomes a concierge client - How Eve sets boundaries with her clients - How Eve has managed risk during the pandemic - What motivated Eve to start the House Call Vet Academy course - Resources Eve has used to manage her practice better Ways to connect with Eve: http://www.thehousecallvetacademy.com/ (http://www.thehousecallvetacademy.com/) Facebook: https://www.facebook.com/TheHouseCallVetAcademy

Ways to connect with Veterinary Financial Summit:  https://VetFinancialSummit.com/ Instagram: @vetfinancialsummit Facebook: https://www.facebook.com/VetFinancialSummit (https://www.facebook.com/VetFinancialSummit) LinkedIn: https://www.linkedin.com/company/vetfinancialsummit (https://www.linkedin.com/company/vetfinancialsummit) Email: Leadership@VetFinancialSummit.com

Thank you to our Partners: CareCredit: https://www.carecredit.com/vetmed/ (https://www.carecredit.com/vetmed/) TeleVet: https://televet.com/ Royal Canin: https://www.royalcanin.com/ Galaxy Vets: https://galaxyvets.com/ Eckard Enterprises: https://eckardenterprises.com/ VetX International: http://vetxinternational.com

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We asked AmyJo Mattheis, CEO of Pavo Navigation Coaching, about toxicity in the workplace, how toxicity affects the financial health of a practice, where this toxicity comes from, negative and positive energies, and how we can help our team members in creating a more positive environment. - How prevalent is toxicity in the veterinary workplace? - If everyone wants to be happy, why is there so much toxicity? - What are the 3 negative energies? - What are the 3 positive energies - If someone realizes they have been responsible for a toxic environment, how do we help that person? - How can we help a toxic team member see how their behavior is toxic and help them? Ways to connect with AmyJo: https://www.pavonavigation.com/ (https://www.pavonavigation.com/) https://www.linkedin.com/in/ajexeccoach/ (https://www.linkedin.com/in/ajexeccoach/)

Ways to connect with Veterinary Financial Summit:  https://VetFinancialSummit.com/ (https://VetFinancialSummit.com/) Instagram: @vetfinancialsummit Facebook: https://www.facebook.com/VetFinancialSummit (https://www.facebook.com/VetFinancialSummit) LinkedIn: https://www.linkedin.com/company/vetfinancialsummit (https://www.linkedin.com/company/vetfinancialsummit) Email: Leadership@VetFinancialSummit.com

Thank you to our Partners: CareCredit: https://www.carecredit.com/vetmed/ (https://www.carecredit.com/vetmed/) TeleVet: https://televet.com/ (https://televet.com/) Royal Canin: https://www.royalcanin.com/ (https://www.royalcanin.com/) Galaxy Vets: https://galaxyvets.com/ (https://galaxyvets.com/) Eckard Enterprises: https://eckardenterprises.com/ (https://eckardenterprises.com/)

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We asked Terry O’Neil, CPA, CVA and partner-in-charge of Katz, Sapper & Miller’s Veterinary Services Group about the lessons he’s learned from analyzing the financial data of over 600 veterinary hospitals, practice valuation, buying and selling veterinary practices, and contingency plans in times of crisis. What are the key lessons Terry has learned from analyzing the financial data of over 600 veterinary hospitals? What trends in veterinary medicine will continue into the future? How can practice owners optimize their financial documents when selling their practice? Advice for practice owners hesitant to sell to a corporation instead of an individual Advice for veterinarians looking to buy a practice Key Performance Indicators and how to look at them Tips to avoid missed charges Is it possible to suspect embezzlement simply by looking at financial statements? What are some “what if” scenarios a practice might need to develop a contingency plan for? 

Ways to connect with Terry: https://www.linkedin.com/in/terenceoneilcpacva/ (https://www.linkedin.com/in/terenceoneilcpacva/) Email: toneil@ksmcpa.com

Ways to connect with Veterinary Financial Summit:  https://VetFinancialSummit.com/ Instagram: @vetfinancialsummit Facebook: https://www.facebook.com/VetFinancialSummit (https://www.facebook.com/VetFinancialSummit) LinkedIn: https://www.linkedin.com/company/vetfinancialsummit (https://www.linkedin.com/company/vetfinancialsummit) Email: Leadership@VetFinancialSummit.com

Thank you to our Partners: CareCredit: https://www.carecredit.com/vetmed/ (https://www.carecredit.com/vetmed/) TeleVet: https://televet.com/ (https://televet.com/) Royal Canin: https://www.royalcanin.com/ (https://www.royalcanin.com/) Galaxy Vets: https://galaxyvets.com/ (https://galaxyvets.com/) Eckard Enterprises: https://eckardenterprises.com/ (https://eckardenterprises.com/) Securos Surgical: https://www.securos.com/ (https://www.securos.com/)

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This is Part 2 of 2 bonus episodes in which we talk about everything to expect at the virtual Veterinary Financial Summit coming up on September 18th & 19th. In this episode focused on the second day of the Summit, we discussed: What is on the Agenda for the second day the Summit What the Soapbox Series is How we will be wrapping up the Summit by helping attendees create their own financial plan

Ways to connect with Veterinary Financial Summit:  http://www.vetfinancialsummit.com (www.VetFinancialSummit.com) Instagram: @vetfinancialsummit Facebook: https://www.facebook.com/VetFinancialSummit (https://www.facebook.com/VetFinancialSummit) LinkedIn: https://www.linkedin.com/company/vetfinancialsummit (https://www.linkedin.com/company/vetfinancialsummit) Email: Leadership@VetFinancialSummit.com

Thank you to our Elite Partners: CareCredit: https://www.carecredit.com/vetmed/ (https://www.carecredit.com/vetmed/) TeleVet: https://televet.com/ (https://televet.com/) Royal Canin: https://www.royalcanin.com/ (https://www.royalcanin.com/) Galaxy Vets: https://galaxyvets.com/ (https://galaxyvets.com/) Eckard Enterprises: https://eckardenterprises.com/ (https://eckardenterprises.com/)

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This is Part 1 of 2 bonus episodes in which we talk about everything to expect at the virtual Veterinary Financial Summit coming up on September 18th & 19th. In this episode focused on the first day of the Summit, we discussed: Why we started the Vet Financial Summit How the Vet Financial Summit is different from other conferences Who should attend the Summit What is on the Agenda for the first day the Summit What is The Great Debate and how will it work? What the Vet Financial Mastermind is and what is involved How Speaker Roundtables work The movie we are showing for Movie Night!

Ways to connect with Veterinary Financial Summit:  www.VetFinancialSummit.com Instagram: @vetfinancialsummit Facebook: https://www.facebook.com/VetFinancialSummit LinkedIn: https://www.linkedin.com/company/vetfinancialsummit Email: Leadership@VetFinancialSummit.com

Thank you to our Elite Partners: CareCredit: https://www.carecredit.com/vetmed/ TeleVet: https://televet.com/

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We asked Collin Hart, CEO and Managing Director of ERE Healthcare Real Estate Advisors, about the process of selling a veterinary practice, the difference between healthcare real estate and veterinary real estate, how practices are valued versus how practice real estate is valued, and how practice owners can avoid common mistakes when leasing property. What process happens when a vet sells a practice? How Collin got started with real estate in general and healthcare real estate, specifically. What is the difference between healthcare real estate, veterinary real estate, and other types of real estate? Who are the most common buyers of veterinary practices in a sale-leaseback scenario? How is a practice valued versus how is practice real estate valued? How has veterinary real estate changed in recent years? When should a practice owner consider what to do with their practice real estate? What are common mistakes with leases that practice owners can avoid? What are the ideal terms for a lease and how is a lease structured to maximize real estate value? What role does ERE Healthcare Real Estate Advisors play in this process?

Ways to connect with Collin: www.ereadv.com LinkedIn: https://www.linkedin.com/in/collinhart/ Mobile: (702)839-8737 Email: collin.hart@ereadv.com

Ways to connect with Veterinary Financial Summit:  www.VetFinancialSummit.com Instagram: @vetfinancialsummit Facebook: https://www.facebook.com/VetFinancialSummit LinkedIn: https://www.linkedin.com/company/vetfinancialsummit Email: Leadership@VetFinancialSummit.com

Thank you to our Partners: CareCredit: https://www.carecredit.com/vetmed/ Securos Surgical: https://www.securos.com/

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We asked Melanie Barham, veterinarian and Founder of The DVM Project, about her interest in alternate career paths, becoming a project management professional, ways to apply project management concepts to finances, and her contract negotiation course. - What is The DVM Project? - How she became interested in alternate career paths - How she decided to become a project management professional and what subjects she learned about - How she helped put together a massive virtual conference in only 3 months - How useful her project management skills have been in different aspects of her career - How she approaches a project step by step - What her negotiation course entails and how it came about - Tips for colleagues on negotiating contracts or other aspects of their careers Ways to connect with Melanie: https://www.thedvmproject.com/ (https://www.thedvmproject.com/) Facebook: https://www.facebook.com/thedvmproject (https://www.facebook.com/thedvmproject) Instagram: @thedvmproject LinkedIn: https://www.linkedin.com/in/melaniebarhamdvm/ (https://www.linkedin.com/in/melaniebarhamdvm/) The Successful Negotiator Course: https://thedvmproject.podia.com/cdd38af1-fe20-4d93-b6bc-6dd0c035c4db (https://thedvmproject.podia.com/cdd38af1-fe20-4d93-b6bc-6dd0c035c4db)

Ways to connect with Veterinary Financial Summit:  VetFinancialSummit.com Instagram: @vetfinancialsummit Facebook: https://www.facebook.com/VetFinancialSummit (https://www.facebook.com/VetFinancialSummit) LinkedIn: https://www.linkedin.com/company/vetfinancialsummit (https://www.linkedin.com/company/vetfinancialsummit) Email: Leadership@VetFinancialSummit.com

Thank you to our Partners: CareCredit: https://www.carecredit.com/vetmed/ (https://www.carecredit.com/vetmed/) Securos Surgical: https://www.securos.com/ (https://www.securos.com/)

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We asked Matt Salois, PhD, Chief Economist & Head of Veterinary Economics for the AVMA, about how veterinary practices have thrived during COVID, what practice owners should be doing to mitigate loss in revenue due to competitors or economic downturns, and if it is possible to provide cost-effective care without sacrificing the wellbeing of the veterinary team. - What makes a vet practice resilient? - How can practice owners minimize the effects of economic downturns? - How should we respond to increased competition from PetMed Express, Chewy & Amazon? - Is it possible to make a profit providing low-cost care while ensuring staff is taken care of? - What leads to behavior change when it comes to finances? - What is the relationship between money and wellbeing? - What separates practices that have thrived due to increased demand during COVID versus those that have adapted in ways that make them more successful? - What is the data on practices that are thriving now versus before COVID?

Ways to connect with Matt Salois: https://www.linkedin.com/in/msalois/

Ways to connect with Veterinary Financial Summit:  VetFinancialSummit.com Instagram: @vetfinancialsummit Facebook: https://www.facebook.com/VetFinancialSummit (https://www.facebook.com/VetFinancialSummit) LinkedIn: https://www.linkedin.com/company/vetfinancialsummit (https://www.linkedin.com/company/vetfinancialsummit) Email: Leadership@VetFinancialSummit.com

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We asked Jamie O’Kane, Certified Public Accountant and Certified Tax Coach, about her experience working as a tax strategist (with vets in particular), common questions, mistakes, and lessons she has learned. Jamie is the owner and operator of Abundant Beans Tax & Accounting and the host of The Abundant Beans Podcast. - What is a Tax Strategist? - What is goal-based tax planning? - Where do vet business owners often leave money on the table? - How Jamie began working with vets in particular - What are some lessons learned from the business owners Jamie has interviewed for her own podcast? - What are some common mistakes to avoid as an owner? - What are the prerequisites to being successful in business?

Ways to connect with Jamie O’Kane: Abundant Beans Tax & Accounting: https://www.abundantbeans.com/ (https://www.abundantbeans.com/) The Abundant Beans Podcast: https://www.abundantbeans.com/podcast/ (https://www.abundantbeans.com/podcast/) LinkedIn: https://www.linkedin.com/in/veterinaryaccountant/ (https://www.linkedin.com/in/veterinaryaccountant/)

Ways to connect with Veterinary Financial Summit:  VetFinancialSummit.com Instagram: @vetfinancialsummit Facebook: https://www.facebook.com/VetFinancialSummit (https://www.facebook.com/VetFinancialSummit) LinkedIn: https://www.linkedin.com/company/vetfinancialsummit (https://www.linkedin.com/company/vetfinancialsummit) Email: Leadership@VetFinancialSummit.com

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We asked Isaiah Douglass, a Certified Financial Planner, to weigh in with his expert advice on burning financial questions we’ve received from colleagues. Isaiah is a partner in Vincere Wealth Management and the host of the Veterinarian Success Podcast.  - How do financial planners get paid?  - When to know if you need a financial planner / advisor - What are the purposes and benefits of seeking financial advice? - How to save for the “tax bomb” at the end of income-driven student loan repayment - What is the difference between compound interest vs. simple interest? - Why Isaiah is such a big advocate for practice ownership - What self-limiting beliefs keep vets from building wealth? Ways to connect with Isaiah Douglass: Veterinarian Success Podcast: VeterinarianSuccessPodcast.com Vincere Wealth Management: VincereWealth.com Veterinarian Financial Advisor Network: VeterinarianFinancialAdvisorNetwork.com LinkedIn: https://www.linkedin.com/in/isaiah-douglass-mba-cfp%C2%AE/ (https://www.linkedin.com/in/isaiah-douglass-mba-cfp®/) Ways to connect with Veterinary Financial Summit:  VetFinancialSummit.com Instagram: @vetfinancialsummit Facebook: https://www.facebook.com/VetFinancialSummit (https://www.facebook.com/VetFinancialSummit) Email: Leadership@VetFinancialSummit.com

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We all wear multiple hats: clinician, possibly practice owner, parent, cook, grocery shopper, investor, and so much more. In this episode, we talk with Dr. Dani McVety, founder and CEO of Lap of Love Veterinary Hospice, about how to juggle all of these roles. Is there such a thing as work/life balance? How her roles have changed over the course of her career How to prioritize financial goals Juggling parenting, work, and finances Her thoughts on entrepreneurship and burnout Common questions she gets from vet students and new grads Her best advice for our listeners

You can find Dani McVety on Facebook at https://www.facebook.com/drdanimcvety (https://www.facebook.com/drdanimcvety) To learn more about Lap of Love, visit http://www.lapoflove.com/ (LapofLove.com). Ways to connect with Veterinary Financial Summit:  VetFinancialSummit.com Instagram: https://www.instagram.com/vetfinancialsummit/ (@vetfinancialsummit) Facebook: https://www.facebook.com/VetFinancialSummit (https://www.facebook.com/VetFinancialSummit) Email: Leadership@VetFinancialSummit.com

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Welcome to the Veterinary Financial Podcast, where we discuss financial freedom and whole life success for veterinary professionals. Hosts: Dr. Phil Zeltzman and Dr. Meredith Jones For inquiries, contact us via email: Leadership@VetFinancialSummit.com