Student Loan Planner

With a new Trump administration taking office, the next 100 days could shape the future of student loans in America. We're breaking down what we're watching and what these potential changes could mean for borrowers. Key moments: (01:06) The GOP's budget reconciliation bill and how it could impact borrowers nationwide (03:46) A closer look at the proposal to end time-based forgiveness and require full repayment of principal plus interest (05:03) How student loans factor into the GOP's proposed spending cuts and what might happen next (10:16) Will the Biden administration's IDR account adjustments survive under GOP leadership? 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 Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at [email protected] and we might feature it in an upcoming show!

What's next for student loan borrowers in a world of shifting repayment plans and interest rates? Financial planner Sim Terwilliger, CFP®, CSLP®, joins us to break down the potential repeal of the SAVE plan and how it could reshape repayment strategies. We explore why PAYE or IBR might take center stage, when refinancing could make sense, and why it's always a case-by-case decision. If you're PSLF-eligible or unsure how these changes impact your financial future, this episode has the answers you need. Key moments: (01:51) PAYE might be the go-to repayment plan if SAVE is repealed (and we think it will be) (07:04) Refinancing your loans could make sense, but it isn't for everyone (16:08) The trade-offs of refinancing, including losing federal protections (22:30) Why refinancing is a no-go if you're PSLF-eligible 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 Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at [email protected] and we might feature it in an upcoming show!

If you've been wondering how to level up your finances in 2025, we've got you covered. Discover our top 10 strategies to help grow your wealth, including smart investment moves, must-know insurance tips, and how to recession-proof your finances without losing sleep. But it's not just about numbers. We'll talk about how mental health and money intersect, share some personal stories, and give you real-world advice you can use. If growing your wealth and simplifying your financial life are on your radar for 2025, this episode is a must-listen. Key moments: (04:17) Tracking your spending reveals the true story of your finances (10:20) Protect your mental health by embracing where you are, without the pressure to be more (16:50) Avoid costly tax mistakes by understanding cost basis (23:43) Plan for the worst while appreciating the best (balancing gratitude with preparation) (32:47) Understanding your finances is the first step to building a life with purpose and balance 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 Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at [email protected] and we might feature it in an upcoming show!

What's the real difference between being a 1099 contractor and a W2 employee? And who actually decides which one you are — your employer or state law? Financial planner Kathleen Boyd, CFP®, CSLP®, CBDA, joins us to unpack the distinctions between these classifications and what they mean for your career, finances, and legal obligations. You'll learn the IRS guidelines that determine your status, the pros and cons of each, and how being 1099 or W-2 impacts your retirement savings, tax planning, and benefits like Social Security and Medicare. Plus, we'll discuss unique situations like earning both W-2 and 1099 income from locum tenens work. Key moments: (04:43) Key differences between 1099 contractor income and W-2 employee income (11:16) How IRS rules determine if you're a 1099 contractor or should be classified as W-2 (17:21) The pros and cons of 1099 vs. W-2 status and how they impact your taxes, retirement, and benefits (30:56) What happens when you earn both W-2 and 1099 income as a locum tenens worker? Link mentioned: Worker Classification 101: employee or independent contractor

We'll look ahead at major changes in student loan repayments under the new Trump administration, with potential IDR recertification deadlines and implications of the 8th Circuit's decisions. Plus, I'll share a personal story about an investment mistake that cost me thousands and tips so that it doesn't happen to you. Key moments: (01:28) Student loan collections are restarting: what it means for your credit and forbearance (03:49) What cost basis is (and a personal story about how ignoring it cost me thousands) (09:49) Are AUM fees worth it? Breaking down the math (15:06) Understanding technical investing strategies can give you an edge in wealth-building 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 Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at [email protected] and we might feature it in an upcoming show!

Is it possible to buy a home without a credit score? We're joined by special guest Steve Stewart, podcast editor, who shares how he moved his family to Colorado and secured a mortgage without a traditional credit score. Steve, who hasn't opened a credit account since 2008, reveals tools and strategies for documenting payment history, navigating homeownership as a single-income household, and overcoming challenges as a self-employed borrower. We also discuss why the credit scoring system prioritizes debt, how professionals with unconventional financial profiles can still secure a mortgage, and how to handle tax reporting, 1099 forms, and business structuring for freelancers and entrepreneurs. Key moments: (05:29) The myth that a credit card is safer than a debit card (09:19) Strategies to get a mortgage without a traditional credit score or manual underwriting (21:36) What living without credit means for missing out on card perks (27:13) Simplifying 1099 income reporting and third-party processor confusion Links mentioned: eCredable Experian Boost Steve Stewart Podcast Editing services 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 Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at [email protected] and we might feature it in an upcoming show!

Student loan repayment plans are in chaos. From the PAYE and ICR confusion to the ongoing servicer challenges, borrowers face an overwhelming mess. We break down what's happening, what changes might be coming, and how to stay ahead in an unpredictable system. On the investing side, we're tackling the dominance of U.S. stocks since 2008, asking whether their reign is coming to an end. We'll explore the rise of cryptocurrencies, the risks of betting too heavily on any one market, and why diversification remains critical to long-term financial success. Key moments: (01:23) How reopening the ICR plan lets high-income borrowers qualify for forgiveness and PSLF (03:16) U.S. stocks have outperformed international markets by 3.5x since 2008 (07:23) Bitcoin's wild swings, why it mirrors U.S. stocks but amplifies market moves (11:45) Why investors tend to chase risky stocks and overlook safer opportunities (15:40) The importance of a diversified portfolio for professionals, no matter your student loan debt (16:49) Key investment strategies to prioritize as 2025 approaches Links mentioned: Department of Education Announces Borrowers Can Now Apply for Additional Income-Driven Repayment Plans WSJ: Young Men Are Making Risky Bets on Crypto and Politics—and Raking It In Right Now 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 Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at [email protected] and we might feature it in an upcoming show!

The clock is ticking on the double consolidation loophole for Parent PLUS Loans, which closes in July 2025. Learn what this change means, why borrowers must act quickly, and how to make the most of the remaining time. We'll tackle the big questions: Should you file taxes jointly or separately? How do Medicare penalties and student loan repayments overlap? And what strategies can help you maximize income-driven repayment (IDR) plans before the loophole disappears? Jared Costigan, CFP®, CSLP®, a financial planner with the SLP Wealth team, shares expert advice on preserving retirement savings, aligning Social Security with loan repayment, and leveraging Public Service Loan Forgiveness (PSLF). Key moments: (05:16) Parent PLUS debt surged 63% from 2015 to 2022 as the cost of college climbs (9:19) The double consolidation loophole could save you from paying 20% of your retirement income (19:38) Who benefits most from a double consolidation? Borrowers with balances nearing or exceeding their income (27:56) Income planning ties Social Security and loans to retirement timing — don't overlook it (37:32) Filing taxes separately can lower loan payments but may raise Medicare costs Links mentioned: Financially Free Physicians podcast Department of Education Parent PLUS Loans Parent PLUS Double Consolidation Loophole Guide for 2025 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 Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at [email protected] and we might feature it in an upcoming show!

This episode is packed with answers to listener questions about student loans. From Public Service Loan Forgiveness rules to spousal consolidation loans, we're covering real-life scenarios that borrowers face every day. Wondering how family size changes affect payments or what to make of new repayment plans? We've got you. Tune in for practical advice, expert tips, and answers to the questions you didn't even know you had. Let's get into it! Key moments: (04:07) Tackling spousal consolidation loan headaches and finding a way forward (06:44) Why claiming dependents can impact your loan forgiveness taxes (15:41) Nearing forgiveness? Here's what to know about IBR qualification (18:37) Forbearance confusion: Does processing or administrative forbearance count for PSLF? 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 Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at [email protected] and we might feature it in an upcoming show!

The shocking murder of UnitedHealthcare's CEO is a tragic story that highlights deeper issues within the health insurance industry — wealth, greed, inequality, and power dynamics — and raises important questions about the prioritization of profits over patient care. We're taking a closer look at the broader implications of this event and its ties to the systemic challenges healthcare professionals already know too well. Sim Terwilliger, CFP®, CSLP®, joins us and shares a personal connection to the story. We explore the emotions and frustrations it brings up, especially for those working in a system often criticized for putting profit before people. Key moments: (04:35) Unpacking the growing anger toward health insurance companies (10:36) Insurance companies overriding physicians leads to worse outcomes for patients (13:00) A recap of what happened, the manifesto, and the controversial sympathy for the alleged shooter's motives (21:07) Fear and frustration leave many wondering if change in healthcare is even possible 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 Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at [email protected] and we might feature it in an upcoming show!

The PSLF buyback program could be the key to reaching forgiveness faster, but there's a catch. You must use exact language in your reconsideration request, or it won't count. Without it, your request might be dismissed as just an inquiry — seriously. We break down everything you need to know about PSLF buyback, including the steps to get your application right the first time, how this program came to be, and why it's still available despite the SAVE plan injunction. Plus, we'll touch on the importance of keeping an eye on refinancing rates and what to expect if policies shift under a new administration. If you're worried about PSLF or wondering how things might change under a different political landscape, this episode has the answers to help calm your nerves. Key moments: (01:51) The exact steps and language needed to apply for PSLF buyback (05:32) How PSLF buyback could save borrowers a ton of money 07:34) Potential impacts if a Trump administration repeals PSLF buyback or the SAVE plan (11:02) How falling refinancing rates could create new opportunities for borrowers 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 Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at [email protected] and we might feature it in an upcoming show!

Social media is overflowing with flashy trends and hyped-up advice, making it easy to feel like you're missing out. From "get rich quick" schemes to so-called success shortcuts, the constant FOMO can lead to bad financial habits and second-guessing your decisions. We're exposing the trends that claim to help but actually hold you back. Discover how harmful financial behaviors and misleading investment advice can keep you stuck — and learn how to avoid these traps. Tune in for practical tips to cut through the noise and focus on building real, sustainable financial success. Key moments: (01:39) Influencers say "do this," but their success doesn't mean it'll work for you (10:07) Are you falling behind, or is social media making you feel that way? (22:47) Unqualified influencers sell dreams, but they rarely deliver real results (29:53) Hustle culture glamorizes nonstop work but keeps you from what really matters 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 Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at [email protected] and we might feature it in an upcoming show!

Over the past four years, student loans have been at the center of some of the most dramatic changes we've ever seen — both good and bad. We'll explore the Biden administration's legislative and executive actions, such as making student loan forgiveness tax-free through the American Rescue Plan, the PSLF waiver, and the introduction of the SAVE plan. Along the way, we'll unpack the political pressures Biden faced, comparisons to FDR, and the influence of key players like Senator Warren and Richard Cordray. In addition, we'll examine the political ramifications and speculate about the future of student loan policies under a Republican-controlled government. Key moments: (06:13) Misrepresented loan repayments paved the way for executive actions (11:01) A once-in-a-generation opportunity to rewrite the social contract (17:57) Why Republicans saw an opening to sue over student loan cancellation (21:13) The SAVE plan's billion-dollar promise — and why it was never realistic (26:08) Are plans in motion to roll back Biden's student loan reforms? What we're hearing 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 Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at [email protected] and we might feature it in an upcoming show!

Roth IRAs are a fantastic tool for building tax-free retirement wealth, but they're not without their pitfalls. Uncover common Roth IRA mistakes, like contributing too much, missing key deadlines, or triggering taxes you didn't expect — and how to avoid them. Already made a misstep? Don't worry. We'll walk you through how to fix these mistakes, from recharacterizing contributions and correcting excess contributions to handling IRS notices. Key moments: (04:35) Why a Backdoor Roth IRA might be right for you (and the new 2025 phase-out limits) (10:01) The five steps to completing a Backdoor Roth IRA (16:32) Common Roth IRA mistakes and how to fix them (19:27) The Pro Rata Rule and its potential tax consequences (24:57) Strategies to avoid taxable conversions 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 Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at [email protected] and we might feature it in an upcoming show!

If you're counting down your final PSLF payments and feeling like you're losing your mind with all the uncertainty, this episode is for you. We'll tackle what's actually worth worrying about when you're close to forgiveness, explore strategies for navigating the final stretch, dig into the PSLF buyback situation, and cover what you need to know about potential new repayment plans and legislative changes on the horizon. Key moments: (01:19) Misinformation about applying for PSLF buyback: What's real and what's noise (08:31) Court rulings, tax changes, and what they mean for forgiveness programs (15:14) What to do while waiting for IBR application processing (16:07) New Republican proposal to reset student loan interest rates 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 Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at [email protected] and we might feature it in an upcoming show!

Stuck in holiday traffic? Make the most of your travel time with our curated collection of student loan resources perfect for your commute. We'll explore the latest Pay As You Earn (PAYE) rumors, tackle tricky PSLF payment count challenges, and share a simple yet effective tool to estimate your IDR forgiveness progress while we wait for the Department of Education's much-anticipated tracker. Key moments: 02:41 New resources you'll love: Podcasts for dentists, physicians, and veterinarians 05:36 How to pinpoint your payment count if you're curious where you stand on forgiveness 14:11 Nearing 120 payments? Don't miss this step-by-step guide we've been sharing with our clients 28:23 PAYE might be making a comeback: The pros, cons, and what it could mean for you Links mentioned: PSLF payment tracker through StudentAid.gov https://studentaid.gov/app/api/nslds/payment-counter/summary Financially Free Dentists podcast Financially Free Physicians podcast 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 Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at [email protected] and we might feature it in an upcoming show!

The last few weeks have been a lot — election chaos, tensions running high, and now Thanksgiving is knocking on the door. If the thought of sitting at the table with family members who have very different opinions makes you cringe, you're not alone. We've brainstormed tons of fun and unconventional methods to sidestep political tension, avoid unnecessary drama, and maybe even have a little fun. Plus, we'll explore the power of gratitude, the tactical use of distraction, and even a few spicy clap-back comebacks for when things get a bit too heated. Think of it as your guide to surviving the holidays without losing your cool (or your plate of pie). Key moments: (03:16) Turn the table into a stage with over-the-top campaign speeches for the best side dish (05:28) How to keep stressful conversations in check without drawing attention (13:05) Push boundaries with a bold clap-back (or stick to the nod-and-smile technique for a drama-free approach) (20:06) Two ways to handle conspiracy theories: a smooth exit or playful engagement (23:12) A low-key hack for escaping post-meal chaos while earning brownie points Turkey, Tension, and Dodging Drama 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 Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at [email protected] and we might feature it in an upcoming show!

It's an unlikely scenario, but the possibility of President Trump abolishing the Department of Education in his second term is a hot topic that's sparked questions and concerns among student loan borrowers. We'll explore what that might mean, unpack the fears and anxieties expressed by our listeners, and provide context around the policy implications. Plus, stick around for our "listener mailbag," where we tackle specific questions and worries that have been pouring into our inboxes. Key moments: 04:31 Republicans' plan is not actually to eliminate the Department of Ed 10:21 How to handle income recertification for IDR plans during job gaps 16:04 Will the discontinued PAYE plan return amid changes? 22:37 Timing actions around the 0% interest period for student loans 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 Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at [email protected] and we might feature it in an upcoming show!

Ready to turn up the heat on your finances before 2024 comes to a close? We've packed this episode with 15 savvy, high-impact financial moves to help you finish the year on top. From maxing out retirement contributions and exploring tax loss harvesting to utilizing backdoor Roth strategies and refinancing high-interest debt, we're covering it all. We'll also discuss year-end must-dos like reviewing your insurance, managing FSA funds, and checking your credit report. Tune in to make the most of the final stretch of 2024 and set yourself up for a strong start in 2025. Key moments: 04:05 Tax-loss harvesting and backdoor Roth IRA can help trim your tax liability 09:47 A personal story on listing income sources to stay in the clear with the IRS 13:40 With interest rates coming down, now might be the perfect time to refinance student loans or your mortgage 17:42 Important tips on updating insurance coverages and taking advantage of open enrollment benefits Links mentioned: The Next 4 Years of Student Loans: Major Changes Are Coming Check Student Loan Refinance Interest Rates IRS Tax Withholding Estimator 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 Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at [email protected] and we might feature it in an upcoming show!

With Trump's unexpected victory in the popular vote and key swing states, and a likely Republican majority in Congress, significant changes to student loan policies may be on the horizon. We'll look at possible shifts in Public Service Loan Forgiveness (PSLF) that could make it harder to qualify, and the potential elimination of the Saving on a Valuable Education (SAVE) plan. We'll discuss recent court rulings that could reshape repayment strategies, like the 8th Circuit Court decision on the Income-Contingent Repayment (ICR) statute. We'll also touch on political dynamics influencing these changes, including Republican and Democratic strategies, the implications of past proposals like the Prosper Act, and what borrowers need to consider moving forward. Key moments: 04:18 Likely elimination of the SAVE plan — when should you consider switching to a different repayment option? 08:27 Republicans are making their own IDR plan and how past proposals threatened borrowers 18:42 Loan forgiveness potential might be more generous than we think 24:22 Potential for major policy changes under Trump's second term 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 Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at [email protected] and we might feature it in an upcoming show!

Could your tax filing status save you thousands on student loan payments? You're about to find out. We're discussing how choosing to file jointly or separately can impact your student loan repayment strategy. You'll hear about real-world scenarios, from high-income couples evaluating their tax implications to the strategic benefits of filing separately in community property states. Plus, we'll explore how recent legislative scrutiny on loan repayment plans could affect your financial planning. From navigating recertification dates to leveraging tax extensions, you'll gain practical insights that could reshape the way you manage your taxes and student loans. Key moments: 05:18 Should a dual-dentist household file taxes separately? A real case study 18:00 Myths vs. reality of tax filing extensions 22:13 How filing taxes separately changes everything in a community property state 26:42 A physician-teacher couple cashes in on the breadwinner loophole 35:31 Reclaim your money by amending your MFS tax return 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 Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at [email protected] and we might feature it in an upcoming show!

Have you ever wished you could give your debt — and even your degree — back? The weight of student loans is no joke, but returning it won't improve your life. The truth? You're underestimating the position you're in. A professional degree offers more job security, higher income potential, and better protection during economic downturns. Stop beating yourself up and start recognizing the smart financial decisions you've made. In today's episode: 05:04 Your career choice might not impact your happiness as much as you think 10:22 Feeling stress and shame? You're in a better position than you think 12:26 Prioritizing happiness and setting healthy financial boundaries 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 Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at [email protected] and we might feature it in an upcoming show!

Bringing a child into the world is one of life's greatest joys — and one of its biggest financial commitments. With so much to consider, it's easy to feel overwhelmed. Learn real-life insights, personal stories, expert advice and practical tips to help make this transition as smooth as possible. Key moments: 09:13 Health insurance coverage, costs, co-pays and coinsurance explained 14:44 How to take parental leave without going broke 20:12 Hidden advantages of pregnancy on your student loan payments 29:18 Balancing life insurance, estate planning and retirement goals 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 Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at [email protected] and we might feature it in an upcoming show!

The SAVE lawsuit hearing did NOT go well for borrowers. What happens if SAVE was ruled to be unconstitutional along with the ICR statute? In this episode, we will share more about the challenges the SAVE plan is facing and what borrowers should consider up ahead. Key moments include 01:30 What are the current SAVE lawsuits? 04:50 Student loan uncertainty causing statute confusion 12:35 SAVE plan forbearance considerations 17:38 PSLF real talk and how it is limited to certain groups 21:15 How politicians see student loan repayment plans 22:10 What borrowers should consider up ahead 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 Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at [email protected] and we might feature it in an upcoming show!

Think you're making the most of your health benefits? It's open enrollment, and we're decoding everything you need to know, from why HSAs are the most overlooked investment vehicle to the surprising perks hiding in your benefits package. In today's episode: 01:58 Making sense of health insurance HMOs, PPOs, high-deductible health plans, and HSAs 20:57 The big issue with group life insurance and disability insurance policies 32:07 Maximizing legal benefits and estate planning protection 36:37 Protecting the whole family with pet insurance 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 Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at [email protected] and we might feature it in an upcoming show!

If you graduated back in May, your student loan grace period is about to expire. Get the inside track to navigate this new financial responsibility and manage recertification details. You'll also find out the latest updates on forbearance options, hear success stories of borrowers who've benefited from payment recalculations and plan switches, and explore possible loopholes that might emerge if SAVE is repealed. In today's episode: 01:37 New grads must decide on loan repayment plans 11:30 Recertification timelines post-COVID forbearance 21:34 SAVE plan forbearance may be extended 28:52 The "double debt" loophole if SAVE is repealed 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 Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at [email protected] and we might feature it in an upcoming show!

We're exploring spending and creative shopping tips beyond the age-old advice of setting a holiday budget. Get tips you can actually use to keep your finances in check from Halloween to the new year. In this episode: 01:47 Hidden holiday costs and how to catch up after a really expensive month 12:18 Shopping tips for Halloween candy and costumes and nailing the lowest price on gifts 23:23 Get crafty and frugal with DIY gifts and holiday activities, plus Sim's favorite holiday tip 32:19 Setting expectations with family to lower your stress levels Links mentioned: Ally Capital One thredUP Honey Kroger Publix Target Circle 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 Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at [email protected] and we might feature it in an upcoming show!

Imagine a world where the SAVE plan is struck down by the courts, taking various income-driven repayment (IDR) plans with it and leaving millions of borrowers scrambling. This worst-case scenario could block hundreds of thousands from accessing Public Service Loan Forgiveness (PSLF) and introduce massive complications for those on IDR plans. But don't worry, I'll break down this doomsday scenario, discuss its implications, and offer strategies for how you can best prepare. Highlights from this episode: 02:37 Tougher eligibility for PSLF and income-driven repayment 06:33 Key tax strategies (reducing AGI, filing separately, and community property considerations) 09:36 Why I'm not overly concerned just yet 16:51 How to make sure you can still get a spot on the IBR plan 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 Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at [email protected] and we might feature it in an upcoming show!

Reddit is a valuable yet risky source of information for student loans. Listen in to get actionable advice for real-life scenarios as we react to what people are saying about money online. In today's episode: 10:43 Navigating private loan lawsuits, bankruptcies, and strategic defaults 17:12 Reverse mortgage for a vacation: Good idea or bad move? 27:06 Not every choice is about money 39:32 Seeing friends get married and buy homes is hard if you're not there yet 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 Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at [email protected] and we might feature it in an upcoming show!

After months of waiting, the Income-Driven Repayment (IDR) application is live again! But with all the changes, options, and deadlines, where do you start? Learn the steps you should take if you're considering switching repayment plans, the implications for Public Service Loan Forgiveness (PSLF), and how to navigate the updated requirements for loan consolidations and recertifications. In today's episode: 4:37 Application processing, clarifying recertification, and the PSLF buyback 16:16 Double Consolidation advice for Parent PLUS borrowers 20:54 PSLF recertification and confusing payment count updates 34:17 When to consolidate and reasons why you shouldn't 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 Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at [email protected] and we might feature it in an upcoming show!

We're getting honest about how we can unknowingly sabotage our financial success. We'll break down common behavioral traps like holding onto investments because we've already put money into them (hello, sunk cost fallacy), making decisions based on recent trends (that's recency bias), and following the crowd just because everyone else is (herd mentality). When we can recognize these behaviors, we can stop being the problem and start making better choices with our money. In today's episode: 11:31 A super-easy way to track financial progress 16:42 Our money story and how we grew up shapes how we manage money 21:25 Recency bias affects investment decisions, cyclic trends 37:08 Sunk cost fallacy, herd mentality, and dollar-cost averaging 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 Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at [email protected] and we might feature it in an upcoming show!

Tackling the real issues you're facing and answering a lot of listener questions that have come in about student loans. We'll chat about the impact of possible political changes on loan forgiveness programs, share tips on managing your loans during servicer transitions, and give advice on everything from autopay issues to whether you should buy property in Hawaii. In today's episode: 00:38 Parent PLUS loan consolidation, Public Service Loan Forgiveness (PSLF), marriage and student loans 17:40 Advice for new graduates, administrative forbearance, early income recertification, PSLF buyback 30:19 Interest accruing during forbearance, PSLF credit for past payments, timing PSLF 41:32 Forgiveness timelines when there's a gap between undergrad and grad loans, interest capitalization 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 Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at [email protected] and we might feature it in an upcoming show!

Balancing student loans and other financial goals can feel overwhelming, but it's absolutely achievable. We'll guide you through prioritizing your financial goals, from paying off debt to creating a solid foundation with brokerage accounts, retirement planning, and tax strategies for long-term success. In today's episode: 04:40 Start by building an emergency fund (step 1), making the most of your employer benefits (step 2), and paying off high-interest debt (step 3) 10:48 Next, invest in a brokerage account (step 4), increase your emergency savings (step 5), and secure disability insurance (step 6) 21:53 Max out your health savings or flexible spending accounts (step 7), contribute the maximum to your 401(k), 403(b), or 457 (step 8), and ensure you have life insurance (step 9) 39:56 Finally, contribute the maximum to your Roth IRA, or consider a backdoor Roth IRA if you don't qualify (step 10), grow your brokerage account (step 11), and plan for long-term goals (step 12) 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 Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at [email protected] and we might feature it in an upcoming show!

Payment caps aren't something most borrowers think about, but they can have a huge impact on anyone using an income-driven repayment (IDR) plan. With ongoing court battles that could reshape repayment options, it's more important than ever to understand what payment caps are, how they work, and why they could mean massive shifts in how borrowers handle their payments and pursue forgiveness. In today's episode: 01:03 How payment caps work under Saving on a Valuable Education (SAVE), Income-Based repayment (IBR) and Pay As You Earn (PAYE) 06:44 What happens if you can't get on the income-based repayment plan? 11:51 Did the Biden administration's handling of SAVE create more challenges for borrowers? 13:53 The final outcome hinges on Trump or Harris administration decisions 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 Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at [email protected] and we might feature it in an upcoming show!

Just like physical fitness, financial fitness is key to a healthy life. Discover how personalized financial goals, like a tailored workout plan, can help you build a strong foundation with smart cash flow management, debt control, and a solid emergency savings strategy. In today's episode: 07:41 Cash flow planning makes it easier to balance your income and expenses 16:58 A larger emergency fund allows for a higher deductible, which can lower your insurance premiums 28:30 As life changes, so do your goals, and your savings plan should evolve to keep pace 38:11 Financial planning is most effective when personalized since everyone's situation is so different 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 Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at [email protected] and we might feature it in an upcoming show!

Student loan forgiveness has been a political hot potato for years, and recent moves by the Biden administration have reignited fierce debates. I'm breaking down the political chess game behind these battles and where things might go from here. In today's episode: 09:24 Regulations unintentionally increased debt balances for borrowers 18:46 The COVID student loan repayment pause triggered a ripple effect 24:48 Transitioning to executive action after not getting support in Congress 31:10 Provoked by benefits, costs, and generous terms, Republicans decided to sue 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 Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at [email protected] and we might feature it in an upcoming show!

Find out where you stand financially and if you're on track to become a millionaire. Financial experts Meagan McGuire and Sim Terwilliger explain how to evaluate savings strategies, balance debt with investments, and avoid overspending. You'll also learn how understanding opportunity costs can help shape smarter financial decisions. In today's episode: 06:16 Calculate your current standard of living to estimate retirement expenses 16:03 Front-load retirement savings early in your career 21:45 Compare interest rates to prioritize debt repayment or investing 32:36 Use Investor.gov's calculator to see where you're at on your savings journey Link mentioned: Compound Interest Calculator 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 Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at [email protected] and we might feature it in an upcoming show!

Worried about changes to your student loan payments? It could happen if the Saving on a Valuable Education (SAVE) plan is repealed. Student loan experts Megan McGuire and Sim Terwilliger share how they're advising clients to rethink their repayment approach. In today's episode: 05:24 Parent PLUS loan borrowers need a plan B and plan C 13:44 Fill out a forbearance application to postpone or reduce student loan payments 24:07 Monthly income-driven repayments (IDR) can spike if you don't update your income 31:49 PSLF buyback can give you credit for months that didn't qualify before Link mentioned: SAVE Plan Court Actions: Impact on Borrowers 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 Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at [email protected] and we might feature it in an upcoming show!

Learn how to lower your taxable income and reduce student loan payments by optimizing pretax benefits like 401(k)s, IRAs, Health Savings Accounts (HSAs), Flexible Spending Accounts (FSAs), and more. Financial experts Meagan McGuire and Connor Pierce guide you through these valuable strategies. In today's episode: 09:18 Strategies for maximizing retirement savings as a sole proprietor 16:49 How to reimburse medical expenses from previous years tax-free 26:07 Why a Roth IRA may be a smart choice for a lower-income tax strategy 34:05 The benefits of filing a tax extension to keep your student loan payment low 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 Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at [email protected] and we might feature it in an upcoming show!

With recertification deadlines for income-driven repayment (IDR) plans being pushed back repeatedly, there's a growing concern that borrowers may be hit with unexpectedly high payments once these delays finally end. This situation is creating what I call the "IDR recertification time bomb." In today's episode: 03:37 Payments could skyrocket to 10 or even 20 times their current amount 07:03 IDR recertification could lead to chaos if the courts nix the Saving on a Valuable Education (SAVE) plan 13:57 Resources for student loan borrowers to prepare themselves 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 Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at [email protected] and we might feature it in an upcoming show!

From mounting credit card and auto loan debt to the less obvious pitfalls of inflation and misguided investment choices, Meagan McGuire and Sim Terwilliger unpack the five financial traps they see student loan borrowers falling into. In today's episode: 01:41 Credit card debt, average balances by generation, and the best defense against growing balances 11:02 Car payments, average loan terms, and the pros and cons of buying vs. leasing 23:14 Unchecked consumerism, the lure of rage-baiting, and the dangers of chasing the status quo 33:32 Inflation and why investing is crucial to staying ahead 38:14 Student loans and the high price of not having the right repayment plan in place 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 Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at [email protected] and we might feature it in an upcoming show!

As legal battles unfold, student loan borrowers face a wave of uncertainty. In this episode, I'll break down the latest developments from the 8th Circuit Court and explore how their recent rulings could impact the future of student loan forgiveness plans like Saving on a Valuable Education (SAVE). In today's episode: 02:33 The 8th Circuit Court's decision to halt the 400-page SAVE plan 05:04 My take on why the court may view the Biden administration's actions as illegal 06:58 Could the court challenge the legality of the ICR statute? 13:38 Student loan workarounds and strategies from tax filing tips to PSLF buyback 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 Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at [email protected] and we might feature it in an upcoming show!

Ever wondered how politicians invest? Join me and special guest Meagan McGuire as we discuss the portfolios of Vice President Kamala Harris and other political figures. We'll explore the importance of a balanced portfolio and share our personal experiences on the value of seeking professional advice. In today's episode: 03:33 Kamala Harris's portfolio that Meagan calls "vanilla boringness" 04:58 Senator Clinton's optimized, low-cost, passive investment portfolio 07:11 Speaker Pelosi's net worth and a breakdown of direct indexing 14:54 Trump's investment portfolio, types of holdings and the value of his real estate 21:20 Practical takeaways and lessons from their financial strategies Link mentioned: Coconut tree meme, explained 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 Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at [email protected] and we might feature it in an upcoming show!

The latest on the Biden administration's student loan cancellation program includes opt-out provisions that have left many scratching their heads. I'll cover that and explain the legal back-and-forth and endless policy changes of student loan repayment, so you don't have to feel so alone. In today's episode: 00:36 The 8th Circuit Court ruling means everything about the Saving on a Valuable Education (SAVE) plan is going to stay locked down 05:58 Positive outcomes that benefit borrowers 08:16 The reason behind the opt-out provision (hint: it's not about choosing to opt out) 10:26 Stay positive and focus on financial strategies that you can control 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 Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at [email protected] and we might feature it in an upcoming show!

Switching jobs is about more than employee benefits and compensation packages when you're a student loan borrower. Student loan advisors Connor Pierce and Jake Courtney explore how federal student loans can adapt to income changes, making them less stressful when contemplating career moves or starting a business. In today's episode: (06:10) Analyze Public Service Loan Forgiveness (PSLF) vs. private employer repayment options (13:29) Calculate hourly pay rate to assess commuting worth (20:27) Before you switch, check your vesting schedule (27:36) COBRA coverage and why it might be better than an ACA plan 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 Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning

The labyrinth of pre-COVID student loan rules are making a dramatic return. I'll explore the Biden administration's key regulations impacting Public Service Loan Forgiveness (PSLF) and income-driven repayment (IDR) plans, the legal battles putting these changes on ice, and what it means for borrowers caught in the middle. In today's episode: 01:50 Revival of Pay As You Earn (PAYE) and Income-Contingent Repayment (ICR) plans 04:45 PSLF borrowers have less to worry about, plus the "buyback provision" 08:03 Borrowers going for 20 and 25 year forgiveness could switch plans 12:46 The silver lining of choosing to do nothing 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 Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at [email protected] and we might feature it in an upcoming show!

Dennis Hornsby, licensed insurance agent, joins me to discuss the critical role of disability insurance in protecting your income and lifestyle. He shares his expertise on the advantages of purchasing coverage early to secure lower rates and the ethics of choosing the right broker. If you're a high-income professional or have student debt, you won't want to miss this. In today's episode: 05:19 Employer-provided group policy vs. one you purchase yourself 12:46 Residency and fellowship disability insurance discounts 19:24 An honest agent will sacrifice commissions to help you save on policy costs 24:36 Every year you wait to buy a policy, your rates can go up $10 to $20 per month Link mentioned: SLP Insurance disability policy quote 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 Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at [email protected] and we might feature it in an upcoming show!

I had an inspiring conversation with Dr. Mike Walker, a veterinary practice owner. Listen is as he shares his journey from graduating vet school in 2017 with significant student loan debt to owning Apollo Vet, a clinic worth between $4 to $5 million today. In today's episode: 04:46 Preparing financially before starting a business 16:51 Fear of the unknown, business opportunities and financial projections 30:43 The role of mentors in starting a business 40:24 You don't need to be an expert to launch a startup Links mentioned:Find Dr. Mike Walker on Instagram 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 Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at [email protected] and we might feature it in an upcoming show!

The Saving on a Valuable Education (SAVE) plan is being temporarily blocked by an appeals court, and the whole plan could be in jeopardy. No new sign ups are allowed, but this is not the final word. Here's what you need to know.