The Financial Dentist Blog

I invested a lump sum of money on 25 February. Three days later, geopolitical tensions escalated into conflict between the US and Iran. Was that a good time to invest? Moments like this bring into focus how we make decisions as investors. For me, it came down to a few key reflections/points. Go back to the rationale, not the headline Whenever markets move sharply, the first question I ask is not “What is happening?” but “Why did I invest in the first place?” That takes me bac

Dentists often ask me where the best place to invest is. Should it be property, shares, buying a practice, or simply paying down the mortgage? Or should it be gold or bitcoin? The honest answer is that there is no single rule that works for everyone. The right decision depends on your values, goals, risk tolerance, time horizon, and how much time and mental energy you are willing to spend managing investments. Here are some career-stage guidelines; however, I feel that when I

After my last post, a few dentists asked me how much insurance they need. Unfortunately, I had to say it depends… It is similar when we create a treatment plan for our patients; we do not give every patient the same solution. We assess risk in terms of decay, periodontal disease, large restorations, and aesthetic concerns, along with their values and long-term goals. Insurance should be approached in the same way. Here are three different dentist stories. Anthony was early i

Let's say a patient walks into the surgery with a broken tooth. You complete your consultation with xrays and discover deep periodontal pockets. As dentists, we know that healthy periodontal support is the foundation for every tooth. Without it, even the best crown will eventually fail. The same principle applies to financial planning. No matter how carefully you build your investments, retirement savings, or practice, they remain vulnerable without the right insurance in pla

Aligning My Finances with My Values: A Dentist’s Perspective on Financial Life Planning When I first started my career as a dentist, I...