In this episode I speak with a young periodontist about his finances. He is doing great, having already paid off all his student loans relatively quickly. But like many of the WCI listeners and readers he started out with a financial advisor that tried to sell him insurance that wasn't right for him and he is in the process of moving on from that financial advisor. He is saving for a house down payment, upgrading a beater car from dental school, saving to buy a practice, and of course, saving for retirement. Lots of competing uses for his money. He has all the same challenges his young physician counterpart has and there is something for most to learn in this episode. If you found this podcast useful visit our blog at http://whitecoatinvestor.com/ for more personal finance and investing information. Find an engaging and helpful community in our forum at http://whitecoatinvestor.com/forums/ If you’re like many of your peers, your heart probably drops each time you see how much you owe in medical school loans. But, it doesn’t have to be this way. You don’t have to live life with high payments or high interest. CommonBond lets Doctors take their old, expensive medical school loans and trade them in for one at a lower rate, saving, on average, $50,615! You're also protected by an industry leader in borrower protections, because life is unpredictable. You'll have an award-winning service team helping you every step of the way. And, the commitment free application will show you your savings in two minutes As a member of the WCI community, you’ll get a $500 bonus when you refinance with CommonBond. Apply today at https://www.whitecoatinvestor.com/commonbond to lock in your savings before interest rates go up. CommonBond is a licensed lender. NMLS number 1175900