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On this episode of 20/20 Money! My guest on today’s show is…me! This is a different solo episode of sorts, because it’s actually the interview that I did for IDOC’s Focal Point Podcast, hosted by Dr. Steve Vargo, OD. If you’re interested in subscribing to Focal Point Podcast, the link is in the show notes of this episode. On this episode, Steve asked me to talk about how business and personal planning are integrated and why it’s important to understand and be able to answer the question “In service of what?” and “What are you solving for?” when structuring your practice. We also talk about a very impactful tax planning strategy that can potentially save and/or defer practice owners tens if not hundreds of thousands of dollars in taxes in the year they sell their practice and the timeline to be aware of if you consider this strategy. As a reminder, you can get all the information discussed in today’s conversation by visiting our website at integratedpwm.com and clicking on the Learning Center. While there, you can also set up a 20-30min Triage conversation to learn a little bit more about how we help ODs around the country reduce their tax bill, manage cash flow, and make proactive money decisions or check out any number of additional free resources like our eBooks and on-demand webinars. And with that introduction, I hope you enjoy my conversation with Steve Vargo.

On this episode of 20/20 Money! My guest on today’s show is Nathan Hayes of IDOC. Nathan joins us to talk about something that is oftentimes discussed towards the end of the year and the beginning of the next year: budgeting, specifically budgeting your business expenses. Even though this show isn’t coming out until the spring, it’s still worthwhile to discuss, because as you’ll see throughout the conversation, it’s not just something that happens once a year. In our conversation, we talk about what your target revenue growth should be per year (hint, it’s not a percentage), why your budget already exists and therefore why it’s actually hard to budget, how you should rethink the way you budget, how to assess when to spend money and how much to spend, financing vs paying cash for capital investments into the practice, a list of areas in your practice that you should be auditing, and 2 items that you absolutely must budget for on an annual basis. As a reminder, you can get all the information discussed in today’s conversation by visiting our website at integratedpwm.com and clicking on the Learning Center. While there, you can also set up a 20-30min Triage conversation to learn a little bit more about how we help ODs around the country reduce their tax bill, manage cash flow, and make proactive money decisions or check out any number of additional free resources like our eBooks and on-demand webinars. And with that introduction, I hope you enjoy my conversation with Nathan Hayes. Follow us on Instagram: https://www.instagram.com/2020moneypod/  ————————————————————————————— Please rate and subscribe to 20/20 Money on these platforms Apple Podcasts Spotify Google Play Stitcher  ————————————————————————————— For past episodes of 20/20 Money with full companion show notes, please check out our episode archive here!

On this episode of 20/20 Money, I share one example of why it’s important to ensure that your portfolio has a well-rounded asset allocation and the importance of including all different asset classes in your portfolio—not just the most popular and well-known indices like the S&P 500 (and I’ll share some actual numbers to substantiate this thought process). As a reminder, you can get all the information discussed in today’s conversation by visiting our website at integratedpwm.com and clicking on the Learning Center. While there, you can also set up a 20-30min Triage conversation to learn a little bit more about how we help ODs around the country reduce their tax bill, manage cash flow, and make proactive money decisions or check out any number of additional free resources like our eBooks and on-demand webinars. Callan Chart

On this episode of 20/20 Money! My guest on today’s show is Dr. Steve Vargo. Steve joins me on the show to discuss a challenge and stepping stone that practice owners may eventually find themselves reaching: how to step out of their business and delegate leadership-type tasks and responsibilities to someone else on your team. Steve’s experience not only as a practicing OD but also as a leadership consultant for IDOC gives him a very informed and well-rounded perspective on this challenge. He’s a student of leadership develop and also an author on the topic (links below). In this conversation, Steve and I talk about how to think about the process of removing yourself from the “messy middle” of practice ownership. Steve shares 5 areas that impact leadership at the practice level, we talk about why it’s important to think about developing your team instead of training them, the three P’s that make up any organization, and the quick test you can do to determine if you’re the best person for the task at hand.   As a reminder, you can get all the information discussed in today’s conversation by visiting our website at integratedpwm.com and clicking on the Learning Center. While there, you can also set up a 20-30min Triage conversation to learn a little bit more about how we help ODs around the country reduce their tax bill, manage cash flow, and make proactive money decisions or check out any number of additional free resources like our eBooks and on-demand webinars. And with that introduction, I hope you enjoy my conversation with Dr. Steve Vargo. Follow us on Instagram: https://www.instagram.com/2020moneypod/  ————————————————————————————— Please rate and subscribe to 20/20 Money on these platforms Apple Podcasts Spotify Google Play Stitcher  ————————————————————————————— For past episodes of 20/20 Money with full companion show notes, please check out our episode archive here!

Dr. Wesley is back on the show to talk about a topic that I think might seem taboo to ODs out there, and that topic is around sales. Gina talks about her journey on how she got comfortable selling from the chair and you’ll very quickly hear in our conversation how and why it doesn’t even seem like sales…which is the point altogether! We talk about why sales get a negative connotation, how you might reframe the type of conversations you have with patients, how to work with your team to embrace the same structure of patient conversations, and the impact that it can have on your practice. As a reminder, you can get all the information discussed in today’s conversation by visiting our website at integratedpwm.com and clicking on the Learning Center. While there, you can also set up a 20-30min Triage conversation to learn a little bit more about how we help ODs around the country reduce their tax bill, manage cash flow, and make proactive money decisions or check out any number of additional free resources like our eBooks and on-demand webinars. And with that introduction, I hope you enjoy my conversation with Dr. Gina Wesley. Gina’s OTOTW Article Loom Good to Great Follow us on Instagram: https://www.instagram.com/2020moneypod/  ————————————————————————————— Please rate and subscribe to 20/20 Money on these platforms Apple Podcasts Spotify Google Play Stitcher  ————————————————————————————— For past episodes of 20/20 Money with full companion show notes, please check out our episode archive here!

On this episode of 20/20 Money I talk about a new way to think about asset allocation and diversification as a practice owner and how a twist on the concept of asset location can have a significant impact on the overall value of your retirement portfolio. As a reminder, you can get all the information discussed in today’s conversation by visiting our website at integratedpwm.com and clicking on the Learning Center. While there, you can also set up a 20-30min Triage conversation to learn a little bit more about how we help ODs around the country reduce their tax bill, manage cash flow, and make proactive money decisions or check out any number of additional free resources like our eBooks and on-demand webinars. If you’re interested in providing feedback on today’s topic or having a question and featured on a future “mailbag” episode of 20/20 Money, you can submit it here. You can either include your name or submit anonymously. Please keep your questions short and to the point. Sometimes writing it down beforehand can help. Follow us on Instagram: https://www.instagram.com/2020moneypod/  ————————————————————————————— Please rate and subscribe to 20/20 Money on these platforms Apple Podcasts Spotify Google Play Stitcher  ————————————————————————————— For past episodes of 20/20 Money with full companion show notes, please check out our episode archive here!

On this episode of 20/20 Money! My guest on today’s show is Rob Bertman. Rob is one of the resident experts at Student Loan Planner, a business that was founded by Travis Hornsby that has now grown to a number of consultants that have collectively provided more than 5,000 consults on over $1.2B of student loan debt. Rob joins the show today to help optometrists answer one of the most common questions that we get from younger ODs: how should I start thinking about paying back my student loans? In this wide-ranging conversation, Rob shares the basic formula for determining whether it makes sense to stay with the federal loan system on an IDR (income driven repayment plan) or whether to refinance with a private lender, the two saving graces of federal loan repayment plans, and the differences between IBR, PAYE, and REPAYE repayment plans. We actually use a young OD making $120k a year with plans of buying into a practice as a hypothetical case study when evaluating options, which I thought brought a lot of context around the concept of student loan repayment options. We wrap up the conversation by explaining how someone knows what kind of loans they have and how to think about repayment strategies given the recent extension of COVID-19 relief for federal student loan borrowers. Rob provided a wealth of information and his contact information is below in the show notes, which will include links to my past conversation with Travis as well as how you can get direct access to Rob and the team at Student Loan Planner. As a reminder, you can get all the information discussed in today’s conversation by visiting our website at integratedpwm.com and clicking on the Learning Center. While there, you can also set up a 20-30min Triage conversation to learn a little bit more about how we help ODs around the country reduce their tax bill, manage cash flow, and make proactive money decisions or check out any number of additional free resources like our eBooks and on-demand webinars. And with that introduction, I hope you enjoy my conversation with Rob Bertman, CFA, CFP®. Why Refinancing During Residency is a Bad Idea Contact Rob Adam’s conversation with Travis Hornsby (episode #12 of 20/20 Money) Follow us on Instagram: https://www.instagram.com/2020moneypod/  ————————————————————————————— Please rate and subscribe to 20/20 Money on these platforms Apple Podcasts Spotify Google Play Stitcher  ————————————————————————————— For past episodes of 20/20 Money with full companion show notes, please check out our episode archive here!

On this solo episode of 20/20 Money I will be explaining the process of gifting of assets to your children, strategies to employ including an UTMA account, and the impact those gifts will have on you, both now and 5-10 years down the road. As a reminder, you can get all the information discussed in today’s conversation by visiting our website at integratedpwm.com and clicking on the Learning Center. While there, you can also set up a 20-30min Triage conversation to learn a little bit more about how we help ODs around the country reduce their tax bill, manage cash flow, and make proactive money decisions or check out any number of additional free resources like our eBooks and on-demand webinars. If you’re interested in having your question and your voice featured on the 20/20 Money podcast, you can submit it here. You can either include your name or submit anonymously. Please keep your questions short and to the point. Sometimes writing it down beforehand can help. Follow us on Instagram: https://www.instagram.com/2020moneypod/  ————————————————————————————— Please rate and subscribe to 20/20 Money on these platforms Apple Podcasts Spotify Google Play Stitcher  ————————————————————————————— For past episodes of 20/20 Money with full companion show notes, please check out our episode archive here!

Welcome to another episode of 20/20 Money! My guests on today’s show are Dr. Gina Wesley and Nathan Hayes. Gina owns her very successful private practice in Medina, MN and Nathan is the practice finance consultant with IDOC, and I’m really excited for this conversation for multiple different reasons. Today’s show is taking on the format of a case study. Specifically, the subject of today’s show is actually based on a potential relationship that reached out to our firm back in 2020. I’ll spend the first part of the episode sharing the anonymous details about this practice. From there, Nathan, Gina, and I engage in a great conversation, providing real-time, practical suggestions and ideas on how this practice owner can improve the profitability and thus the take-home income from the practice. If you find yourself resonating with the practice that we discuss today and are starting to realize that you may be more in need of a practice management consultant instead of a comprehensive financial planning firm that specializes in serving optometrists, I can’t recommend Nathan and the team at IDOC highly enough as they’ve done a lot of great work over the years and have a wealth of knowledge in helping optometrists manage and grow their practice. Their work complements the work that we do as wealth advisors very well and it’s been a pleasure and privilege to collaborate together over the years. As a reminder, you can get all the information discussed in today’s conversation by visiting our website at integratedpwm.com and clicking on the Learning Center. While there, you can also set up a 20-30min Triage conversation to learn a little bit more about how we help ODs around the country reduce their tax bill, manage cash flow, and make proactive money decisions or check out any number of additional free resources like our eBooks and on-demand webinars. And with that introduction, I hope you enjoy my conversation with Dr. Gina Wesley and Nathan Hayes. Emyth Revisited.

On this episode of 20/20 Money, my guest on today’s show is Dr. Jeremy Ciano, owner and founder of RevolutionEyes in Carmel, IN. Jeremy’s been on the show in the past and episode #11 of 20/20 Money (back when it was called “The Dose”) is still in the top 10 most downloaded episodes (link below). Jeremy joins us back on the show to talk about how his practice not only survived, but ended up thriving in 2020. Jeremy talks about how important culture was to him and his team, the strategies that they executed to meet patients where they were (in more ways than one) during the pandemic, and how he’s thinking about strategic business decisions for 2021. As a reminder, you can get all the information discussed in today’s conversation by visiting our website at integratedpwm.com and clicking on the Learning Center. While there, you can also set up a 20-30min Triage conversation to learn a little bit more about how we help ODs around the country reduce their tax bill, manage cash flow, and make proactive money decisions or check out any number of additional free resources like our eBooks and on-demand webinars. And with that introduction, I hope you enjoy my conversation with Dr. Jeremy Ciano. Steven Covey Growing at the Speed of Trust ————————————————————————————— Please rate and subscribe to 20/20 Money on these platforms Apple Podcasts Spotify Stitcher  ————————————————————————————— For past episodes of 20/20 Money with full companion show notes, please check out our episode archive here!

On this episode of 20/20 Money! My guest on today’s show is my good friend Josh Bannerman, (a.k.a. the “OG” from the Stacking Benjamins podcast). Josh and I were talking the other night about the craziness that is going on in the markets recently. I got to thinking (after the conversation) that what we were just talking about would have made for a great episode for 20/20 Money. So, as good content creators do, Josh agreed to come on the show so that we could both talk about it and give you our perspectives. We start out by giving a brief backstory on what’s caused the trading frenzy with GME and AMC, how to think about it as an investor, and how to put it all into perspective. Josh also shares an unfortunately very sad story about how a close friend of his (not me!) ended up with significant losses as a result of some very risky bets in the market…and what lessons we can learn from it. As a reminder, you can get all the information discussed in today’s conversation by visiting our website at integratedpwm.com and clicking on the Learning Center. While there, you can also set up a 20-30min Triage conversation to learn a little bit more about how we help ODs around the country reduce their tax bill, manage cash flow, and make proactive money decisions or check out any number of additional free resources like our eBooks and other blog posts. And with that introduction, I hope you enjoy my lively conversation with my good friend, the OG! ————————————————————————————— Please rate and subscribe to 20/20 Money on these platforms Apple Podcasts Spotify Stitcher  ————————————————————————————— For past episodes of 20/20 Money with full companion show notes, please check out our episode archive here!

Jennifer runs a very successful private practice and also a successful sports vision practice in Connecticut. Long-time listeners will know that Jennifer’s been on the show in the past and I was excited to have her back to talk through how she thinks about the KPIs (key performance indicators) of her practice, specifically around how they’ve increased their capture rate and second pair sales. In today’s conversation we talk about how she’s created a culture with her team to always strive for better, the language and scripting process she’s used to help convey the benefit to patients, a key annual conversation that she has every year with an outside resource, the proactive steps that her team takes before the patient even steps foot into her practice, and many other great strategies that can help you improve a KPI that, in the end, will help you increase the profitability of your practice. As a reminder, you can get all the information discussed in today’s conversation by visiting our website at integratedpwm.com and clicking on the Learning Center. While there, you can also set up a 20-30min Triage conversation to learn a little bit more about how we help ODs around the country reduce their tax bill, manage cash flow, and make proactive money decisions or check out any number of additional free resources like our eBooks and on-demand webinars. And with that introduction, I hope you enjoy my conversation with Dr. Jennifer Stewart.   GPN EdgePro Jerry Seinfeld Tim Ferriss Show Interview Jerry Seinfeld Pop Tart Joke Start with Why Simon Sinek Kinder Hall Professional Storytelling Ted Talk ————————————————————————————— Please rate and subscribe to 20/20 Money on these platforms Apple Podcasts Spotify Stitcher  ————————————————————————————— For past episodes of 20/20 Money with full companion show notes, please check out our episode archive here!

On this episode of 20/20 Money! My guest on today’s show is Dr. Chris Lopez, OD. Contrary to what you might believe, picking the right investment is not your greatest wealth creating tool. It’s your income! Make sure that you know how to negotiate the right way and land the right job while also ensuring that it’s a win for the owner of the practice. In this conversation, practicing OD and career and contract consultant Dr. Chris Lopez talks to us about how both associates and owners should think about both the hiring process and rates of pay for associates in a private practice. As a reminder, you can get all the information discussed in today’s conversation by visiting our website at integratedpwm.com and clicking on the Learning Center. While there, you can also set up a 20-30min Triage conversation to learn a little bit more about how we help ODs around the country reduce their tax bill, manage cash flow, and make proactive money decisions or check out any number of additional free resources like our eBooks and on-demand webinars. And with that introduction, I hope you enjoy my conversation with Dr. Chris Lopez. Book a call with Chris!! Email Chris!! Jerry Maguire - Help me help you video ————————————————————————————— Please rate and subscribe to 20/20 Money on these platforms Apple Podcasts Spotify Stitcher  ————————————————————————————— For past episodes of 20/20 Money with full companion show notes, please check out our episode archive here!

Welcome to the first episode of 2020 Money in 2021! On this episode, I’m going to share with you how I’ve implemented Strategic Coach’s Entrepreneurial Time Management System and how I believe ODs can also benefit from this time management system, including how to think about the financials of your practice based on how you’ve budgeted your time throughout the year. As a reminder, you can get all the information discussed in today’s conversation by visiting our website at integratedpwm.com and clicking on the Learning Center. While there, you can also set up a 20-30min Triage conversation to learn a little bit more about how we help ODs around the country reduce their tax bill, manage cash flow, and make proactive money decisions or check out any number of additional free resources like our eBooks and on-demand webinars. How to Stay Focused and Set Yourself Up for Success ————————————————————————————— Please rate and subscribe to 20/20 Money on these platforms Apple Podcasts Spotify Stitcher  ————————————————————————————— For past episodes of 20/20 Money with full companion show notes, please check out our episode archive here!

On this episode, I talk with Dr. Ted McElroy. Ted has owned his practice for the last 27 years and is also a Vision Source Administrator for the southern part of GA and north-central part of FL. In today’s episode, we use one of our clients as a case study that kicked off the process of hiring an associate in your practice—and hiring an associate that STAYS in your practice. Ted shares with us how he identifies and interviews associates in his practice, great questions to ask during the interview process, a simple exercise to help build trust with your existing team, and great questions to ask your team to give you feedback on how you can show up as a better leader in your practice. As a reminder, you can get all the information discussed in today’s conversation by visiting our website at integratedpwm.com and clicking on the Learning Center. While there, you can also set up a 20-30min Triage conversation to learn a little bit more about how we help ODs around the country reduce their tax bill, manage cash flow, and invest wisely or check out any number of additional free resources like our eBooks and on-demand webinars. And with that introduction, I hope you enjoy my conversation with Dr. Ted McElroy. EyeCode Media Podcast ————————————————————————————— Please rate and subscribe to 20/20 Money on these platforms Apple Podcasts Spotify Stitcher  ————————————————————————————— For past episodes of 20/20 Money with full companion show notes, please check out our episode archive here!

Hey everyone, before we get into today’s show, I wanted to let you know about an in-depth write-up I did on our website about the recently passed COVID-19 stimulus package and how it impacts optometrists. While at the time of this recording the Act has yet to be signed into law by President Trump and there seems to be a bit of volleying back and forth between the two branches of government about possible last-minute changes, I believe that the majority of the Act that would impact optometrists would stay intact. If you’re interested in reading that write-up, click on this link or visit our website at www.integratedpwm.com and click on Learning Center.   Now, for the last episode of the 2020, I wanted to share the most popular (as ranked by number of unique downloads) episode of the year. My conversation with Dr. Gina Wesley back in May was a conversation on how she uses her schedule to manage profitability in her practice. The original introduction for the episode is as follows:   Gina joined the show to discuss various ways in which scheduling has impacted the profitability of her practice. We talked about the direct and indirect benefits of having a scheduling philosophy and why empowering your team is an important component to helping you manage an efficient practice. We also discuss the importance of communicating and setting expectations with patients and why it’s important regardless of the type of exam or the journey that they went through (normal exam vs emergency vs walk-in). We also discuss one of the biggest culprits that exists in an office which can throw off the schedule (hint: it may or may not be who you think it is) and how you can fix that problem and we wrap up the conversation with her pre-appointing process and how online scheduling now plays an integral role in her recall process (including the strategic placement of her “Schedule Now” button based off the Z-pattern of how website visitors consume content).   As a reminder, you can get all the information discussed in today’s conversation by visiting our website at integratedpwm.com and clicking on the Learning Center. While there, you can also set up a 20-30min Triage conversation to learn a little bit more about how we help ODs around the country reduce their tax bill, manage cash flow, and make proactive money decisions that helps them live their “on purpose life.”   And with that introduction, I hope you enjoy the last episode of 20/20 Money IN 2020 and I look forward to continuing to connect with you in 2021!   Start with Why by Simon Sinek Don Miller Story Brand Complete Eye Care of Medina

On this episode of 20/20 Money, my guest is Dennis Moseley Williams. Dennis is one of a few certified experience economy experts and his sincere passion and mission is to help business owners understand the importance of the customer experience and why it’s increasingly influencing where consumers spend their dollars. In this far-reaching conversations, Dennis explains why it’s so important to understand the difference between service and experience, the 5 stages of the customer experience, 4 questions you should ask to “move the experience dial” in your practice, what you can learn from Apple and Starbucks in your practice, and many other nuggets of information and perspective that I truly hope get you thinking about how up-leveling the patient experience in your practice cannot be ignored if you want to experience long-term growth and differentiate yourself from other practices and especially online competition. We reference a number of resources in today’s episode, so be sure to check out the show notes or visit the episode page on www.integratedpwm.com/learningcenter. As a reminder, you can get all the information discussed in today’s conversation by visiting our website at integratedpwm.com and clicking on the Learning Center. While there, you can also set up a 20-30min Triage conversation to learn a little bit more about how we help ODs around the country utilize their practice to grow their net worth, manage cash flow, and make proactive money decisions or check out any number of additional free resources like our eBooks and other blog posts. And with that introduction, I hope you enjoy my conversation with Dennis Mosley Williams. 20/20 Money Epsd 11: Inside the Mindset and Methods of a Multi-Million dollar, single-OD practice with Dr. Jeremy Ciano Revolutioneyes The Experience Economy The Starbucks Experience: 5 Principles for Turning Ordinary Into Extraordinary Dennis Mosley-Williams Strategic Consulting Serious Shift Blogcast ————————————————————————————— Please rate and subscribe to 20/20 Money on these platforms Apple Podcasts Spotify Stitcher  ————————————————————————————— For past episodes of 20/20 Money with full companion show notes, please check out our episode archive here!

On this episode of 20/20 Money! My guest on today’s show is me! This is our AMA episode where my wife Andrea interviewed me on a variety of personal and professional questions that listeners of the show emailed us. We had originally planned on doing this as a way to celebrate the 100th episode of 20/20 Money but given where the timing of the episode fell in relation to the time of year, I opted to “shelf” the conversation until later in December because I wanted to ensure that the content we were putting out around episode 100 was still timely for the planning topics that are relevant during that time of year. As a reminder, you can get all the information discussed in today’s conversation by visiting our website at integratedpwm.com and clicking on the Learning Center. While there, you can also set up a 20-30min Triage conversation to learn a little bit more about how we help ODs around the country reduce their tax bill, manage cash flow, and make proactive money decisions that helps them live their “on purpose life.” And with that introduction, I hope you enjoy this episode of 20/20 Money! Implementing a Dry Eye Clinic with Dr. Damon Dierker Adding an Associate: Understanding Marginal Chair Cost to Leverage Your Practice The ABC's and 123's of Disability Insurance Why Don’t Young ODs Want to Buy Practices?? Managing the Stress of Practice Ownership (and Life) ————————————————————————————— Please rate and subscribe to 20/20 Money on these platforms Apple Podcasts Spotify Google Play Stitcher  ————————————————————————————— For past episodes of 20/20 Money with full companion show notes, please check out our episode archive here!

On this episode of 20/20 Money, my guest is Nathan Hayes. Listeners of the show will recall that Nathan was just on the show a couple of weeks ago, but this was a topic that we both believe is really important for optometrists to get clarity on at all points of their career: what’s your number? We’re defining “your number” as the amount of money that one should be saving to build towards financial independence. We talk about why banking on the sale of your practice usually leaves practice owners coming up short. We talk about the other side of that equation and how empowering it can be to know your number and thus be more convicted in the sale price you need to earn when you sell your practice. Nathan also allows me to indulge in a (somewhat) long-winded metaphor that connects flying, sailing, and retirement planning all into one story. As a reminder, you can get all the information discussed in today’s conversation by visiting our website at integratedpwm.com and clicking on the Learning Center. While there, you can also set up a 20-30min Triage conversation to learn a little bit more about how we help ODs around the country use their practice as a wealth building vehicle, manage cash flow, align purpose with action, and make proactive money decisions. And with that introduction, I hope you enjoy my conversation with Nathan Hayes. Related episodes: Four Levers in retirement Cash balance plans with Karl Willman of Nyhart ————————————————————————————— Please rate and subscribe to 20/20 Money on these platforms Apple Podcasts Spotify Google Play Stitcher  ————————————————————————————— For past episodes of 20/20 Money with full companion show notes, please check out our episode archive here!

On this episode of 20/20 Money, my guest is Kim Hockaday. Kim is an experienced mortgage loan officer with Ruoff Mortgage. In the historically low interest rate environment that we’re in these days, I wanted to bring Kim on the show to talk about mortgages and how optometrists should think about all aspects of home financing. We talk about three things that are different as a buyer in this environment, how student loans play into the purchase decision, whether an underwriter prefers a borrower to have more cash on hand but a bigger loan balance or less cash on hand but lower loan balances, mistakes and wrongful assumptions practice owners make when applying for a mortgage, her thoughts on physician loan programs, and many more relevant topics. As a reminder, you can get all the information discussed in today’s conversation by visiting our website at integratedpwm.com and clicking on the Learning Center. While there, you can also set up a 20-30min Triage conversation to learn a little bit more about how we help ODs around the country reduce their tax bill, manage cash flow, and make proactive money decisions or check out any number of additional free resources like our eBooks and on-demand webinars. And with that introduction, I hope you enjoy my conversation with Kim Hockaday. Kim Hockaday NMLS#: 133658 317-286-8016. Email her. Ruoff Mortgage NMLS# 141868 ————————————————————————————— Please rate and subscribe to 20/20 Money on these platforms Apple Podcasts Spotify Google Play Stitcher  ————————————————————————————— For past episodes of 20/20 Money with full companion show notes, please check out our episode archive here!