Real numbers. Real strategies. No fluff.
Personal finance for physios, doctors, dentists, and every clinician who lost their 20s to grad school. Written by a practicing physiotherapist + Certified Financial Counsellor — no commissions, no products to sell, no whole-life pitches.
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Riding the Roller Coaster: Managing Unpredictable Income in Private Practice
Struggling with unpredictable income in private practice? Discover actionable budgeting tips, strategies for building financial stability, and the importance of Return on Time (ROT). Learn how to handle income fluctuations, create a safety net, and make informed financial decisions.
Leasing vs. Owning a Vehicle for Healthcare Professionals
Whether you’re commuting between clinics or driving to patient homes, your car is an essential tool. For healthcare professionals, the decision to lease or own has unique considerations.
How a Strong U.S. Dollar Impacts Your Portfolio
When the U.S. dollar strengthens against other currencies, its effects reach portfolios across the globe. For Canadians, this could mean changes in the value of U.S. stocks within a portfolio, while American investors may see impacts on global purchasing power and the performance of multinational companies.
Reevaluating Debt Repayment Strategies Amid Interest Rate Changes
Interest rates are still significantly higher than in recent years, which impacts how we should be thinking about debt repayment. For many, especially health professionals juggling both personal and business debt, this high-interest climate demands a serious rethink on how we approach debt.
Preparing for a Possible Economic Recession: A Guide to Financial Resilience
As economic indicators begin to suggest the possibility of a looming recession, it’s more important than ever to prepare your finances for potential turbulence ahead. While the stock market hits all-time highs, Bitcoin soars, and the Federal Reserve cuts rates, there’s a widespread feeling of optimism in the air.
Inflation-Proofing Your Finances: A Healthcare Professional’s Guide
The rising cost of goods and services impacts everyone, but for healthcare professionals—whether employed or self-employed—it presents unique challenges. Inflation erodes the purchasing power of your money, making it essential to implement strategies that not only protect but also grow your finances in this volatile environment
How Inflation is Eroding Your Wealth
Your savings account pays you 0.5% but the inflation rate is 5%, so your real rate of return is -4.5%, and you're wondering why you can't get ahead?