Latest posts
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High-Yield Savings Accounts: Where Should You Keep Your Emergency Fund? – A Practicing Dentist Explains
I learned this one the painful way. Years ago, I actually did something very responsible. I set aside money for my taxes about eight months early. Why so early? Because I don’t like knowing that I have a big tax bill waiting for me. It makes me nervous. Yes, I know. Very exciting personality. But…
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What Is a Good Credit Score in America—and How Much Money Can It Save You? – A Practicing Dentist Explains
I’m a dentist. And yes, I’ve had a bad credit score. People are sometimes surprised when I tell them that. “How can a doctor have bad credit?” Pretty easily, actually. Student loans don’t disappear because there’s “Dr.” in front of your name. A professional degree doesn’t automatically make you good with money. And if your…
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Balance Transfer Hopping: Can You Keep Moving Debt Between 0% APR Cards? – A Practicing Dentist Explains
Your debt can hop from bank to bank. The goal is to make sure it gets smaller at every stop. Let’s say you have $10,000 in credit-card debt at 24% APR. Then another bank makes you an interesting offer: 0% APR on balance transfers for 18 months. There’s a 3% balance-transfer fee, so moving $10,000…
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I Paid Off Debt in Dental School. Here’s How I’d Attack $10,000 in Credit Card Debt Today – A Practicing Dentist Explains
There was a time when a credit card statement could ruin my entire day. It was during dental school. Money was already tight. School consumed most of the day, part-time work filled some of the remaining hours, and there wasn’t much left for anything else. Then one careless mistake made everything worse. I forgot to…
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Anthropic Is Going Public. Should I Buy the Stock? – A Practicing Dentist Explains
There are companies I would like to own. And then there are companies I would like to own—but not at any price. Anthropic may soon become one of the most interesting examples of the second category. The company behind Claude has emerged as one of the most formidable players in artificial intelligence. Its growth has…