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Sharing this link from the Dental Maverick fliegenfischen: Dentaltown - Where The Dental Community Lives®
Aug 28, 2026 2:21 PM
Post: 1 of 14
Here are interesting facts and data-driven information regarding newer grads in past 5 years. I posted this in another thread, but it'll get buried. I compiled this data for an upcoming CE presentation next month in Colorado and figured that this would be interesting to you all. BTW there's 1-2 spots left here so if you wanna come fish and learn, then come.
Data is from statistical averages. There's way more to my presentation, but here are 2 scenarios:
One is with historical debt from DS in past 5 years along with average rates for homes and practice loan purchased at 1 million with 65% OH. I put a 600k starter home b/c higher cost homes look too depressing on slides haha.
Next is same data, but with scaled up higher debts to show the difference. Loan terms have changed, but not enough data to extrapolate out IMO. This is to show how the struggle is REAL for younger/new grad dentists.
My takeaway from this is that really for younger dentists, you need dual income household for an extended period of time to drive debt down and snowball savings. Remember that the risk tolerance for a younger dentist may be different also and more "conservative" minds may want a lower cash flowing office (600-800k) and this will further drive down take-home pay.
IMO to win this game as a new dentist, one has to ramp up the courage fast to own. One can ramp up with building confidence by taking CE that exposes younger dentists to the possibilities of earnings as a dentist. If you believe that you can earn 500-600k/year, then you will aim to achieve it. Own as fast as you can and start piling on debt repayment and accept delayed gratification and that the reality of living like a "rich dentist" will not occur for years down the line.
Note 96k approx remaining.
Note 54k remaining.
Aug 28, 2026 2:21 PM
Post: 1 of 14
Here are interesting facts and data-driven information regarding newer grads in past 5 years. I posted this in another thread, but it'll get buried. I compiled this data for an upcoming CE presentation next month in Colorado and figured that this would be interesting to you all. BTW there's 1-2 spots left here so if you wanna come fish and learn, then come.
Data is from statistical averages. There's way more to my presentation, but here are 2 scenarios:
One is with historical debt from DS in past 5 years along with average rates for homes and practice loan purchased at 1 million with 65% OH. I put a 600k starter home b/c higher cost homes look too depressing on slides haha.
Next is same data, but with scaled up higher debts to show the difference. Loan terms have changed, but not enough data to extrapolate out IMO. This is to show how the struggle is REAL for younger/new grad dentists.
My takeaway from this is that really for younger dentists, you need dual income household for an extended period of time to drive debt down and snowball savings. Remember that the risk tolerance for a younger dentist may be different also and more "conservative" minds may want a lower cash flowing office (600-800k) and this will further drive down take-home pay.
IMO to win this game as a new dentist, one has to ramp up the courage fast to own. One can ramp up with building confidence by taking CE that exposes younger dentists to the possibilities of earnings as a dentist. If you believe that you can earn 500-600k/year, then you will aim to achieve it. Own as fast as you can and start piling on debt repayment and accept delayed gratification and that the reality of living like a "rich dentist" will not occur for years down the line.
Note 96k approx remaining.
Note 54k remaining.
