You are not wrong, lol. I’m 43, and yes, walking away from zero debt (other than the mortgage on our house).
There are a few reasons. I’m bored, intellectually. And when I was figuring out what I wanted to do about that, diving into the world of SHCN appealed to me.
Also, I’ve grown to be frustrated by the lack of care for peds patients in rural areas. If I refer a patient out, the closest pedodontist is an hour away and only takes kids up to age 3. Plus the wait to be seen is 3 months. Older and SHCN patients who require hospital care get sent hours away. And in reality, that often means they don’t go at all. Parents won’t take them. This all comes down to idea that there’s a very inefficient distribution of care. General dentists should be seeing more healthy kids. Pediatric dentists should be handing fewer “easy” kids, so that they can focus on the cases that really aren’t the scope of most general dentists. So I want to tackle this problem from both ends. On the one side, I can treat the medically complex and indigent patients in community health and university settings. On the other side, I can teach dental students and new graduates how to work with kids more in their own offices.
I’m tired of managing a practice. It’s not difficult, per se, but I’m bored with it. And really, now is the perfect time to make a change. We have no debt. We have made significant inroads into saving for retirement and our children’s college funds. We have no student loans. Our house is worth 70k more than when we bought it, so it’s a good time to sell that. I’m still young(ish) enough that I can do this, and work another 20 years if I want to.
In the end, yes, I would make more money staying where I am now. And I’d be content. But I wouldn’t be fulfilled.