{"id":21844,"date":"2022-06-27T09:00:24","date_gmt":"2022-06-27T14:00:24","guid":{"rendered":"https:\/\/www.aae.org\/specialty\/?p=21844"},"modified":"2022-06-18T16:14:12","modified_gmt":"2022-06-18T21:14:12","slug":"can-debt-impact-your-life-choices","status":"publish","type":"post","link":"https:\/\/www.aae.org\/specialty\/can-debt-impact-your-life-choices\/","title":{"rendered":"Can Debt Impact Your Life Choices?"},"content":{"rendered":"

 <\/p>\n

\"\"<\/p>\n

By Mark B. Desrosiers, D.M.D.<\/em><\/p>\n

The debt load dentists, and specifically endodontists, accumulate today can be staggering.\u00a0 The 2021 debt levels for graduating dentists was just over $292,000[i]<\/a>, and this does not include residency!\u00a0 From a public health and social justice point of view, it can impact the types of people entering our specialty.\u00a0 From the personal standpoint, it can have severe consequences on our lives.\u00a0 Understanding debt, and more specifically loans with interest, can help us manage debt and consider how it will impact us.\u00a0 Too many new practitioners are struggling with debt that is tying them to \u201cthe chair\u201d and compromising their life balance.\u00a0 Some might even have financial burdens that tempt them to compromise their ethics.\u00a0 In this article, I hope to help you look at debt in a different way.\u00a0 Hopefully this will empower you when making decisions involving taking out loans, and paying them off.<\/p>\n

Debt is not an evil.\u00a0 Going into debt for something that will appreciate in value, or provides a necessity of life is prudent.\u00a0 Of course, this includes our education, our home, and may include other things.\u00a0 However, excessive debt for these items, or debt for toys or other things that depreciate in value is not necessarily a good thing.\u00a0 By looking at a loan and dissecting it to see how much that loan really costs you is an important tool that will help you consider if taking out that loan is the proper thing for you to do.\u00a0 If you consider how many endodontic treatments you have to do to pay off a loan, it will help you consider the real cost of the loan.\u00a0 Let\u2019s look at a loan in this way.\u00a0 I will be making a number of assumptions.\u00a0 Most are an attempt to get fairly close to reality while rounding numbers to make the explanation work.\u00a0 The important point is you can use this process to plug in numbers that are true to you and then use them to advantage.<\/p>\n

Our assumptions:<\/p>\n

A loan with a principal of $300,000, interest rate of 7%, term of 15 years.<\/p>\n

Practice overhead of 45%.<\/p>\n

Tax burden of 50%.\u00a0 This includes, Fed. Tax, State Tax, City Tax if appropriate, and charitable contributions including your contribution to the AAE Foundation.<\/p>\n

You can use an online calculator to plug in any numbers and analyze a loan.\u00a0 A calculator I like is www.drcalculator.com<\/a>.\u00a0 I like the basic mortgage calculator because it allows you to see the impact of making extra payments.<\/p>\n

Inputting our principal, interest rate, and term tells us our payments will be $2,696.48\/month.\u00a0 Over the life of the loan, we will pay $185,367.27 in interest.\u00a0 That means it costs $185,367.27 to borrow $300,000.\u00a0 So how hard do we have to work to pay just the interest?<\/p>\n

To put $185,367 in our pocket we need to make twice that amount in before tax income.\u00a0 That means the profit from our practice before taxes and charitable contributions must equal $370,734.\u00a0 With an overhead of 45% our production will need to be $674,062 (.55p=370734).\u00a0 If we assume an average fee of $1,200 per endodontic procedure, you need to do 562 root canals to pay just the interest on your $300,000 loan!<\/p>\n

You can adjust the assumptions to fit your situation.\u00a0 The point is, a loan costs much more than it first seems.\u00a0 Getting into a loan with this knowledge is powerful.\u00a0 You can choose to take a loan when it is for a necessity.\u00a0 You can evaluate the cost of a loan before you purchase something.\u00a0 You might hear a statement such as it costs $1,200 a month, that is just one root canal.\u00a0 Now you know that $1200 in your pocket is after taxes and overhead.<\/p>\n

With this mindset you can decide just how much of a loan you need.\u00a0 In many cases it causes us to trim back our lifestyle so we are not going into debt as heavily.\u00a0 Using the loan calculator also allows us to see the impact additional payments can make toward lowering the interest we pay on a loan.\u00a0 Using the scenario I have detailed, you can see the effect of an additional payment of $1,500\/month.\u00a0 This might be a situation where you pass up buying something and instead choose to lower your debt.\u00a0 This additional payment results in saving $96,051, reduces your payback period by seven years and three months, and gives you a return on your \u201cinvestment\u201d (additional payment) of 48% over the life of the loan!\u00a0 I cannot think of a better return that is as safe as investing in yourself by accelerating the payment of your debt.<\/p>\n

I have no doubt that some will object based on the deductibility of some debt such as mortgage or student debt.\u00a0 It is deductible, but here too, you must calculate how deductible.\u00a0 The maximum interest deductibility for student loans in 2021 was $2,500.\u00a0 This is not a tax credit but a deduction to your income.\u00a0 If your income exceeds $70,000 that $2,500 starts to phase out.\u00a0 Of course, you also have to factor in the Alternative Minimum Tax.\u00a0 Interest is not as deductible as it first sounds.<\/p>\n

Spend time looking at your finances.\u00a0 Avoid debt when you can.\u00a0 Accelerate debt payment when you can.\u00a0 As you lower your debt you will find that your life is freer.\u00a0 You will have opportunities to spend more time doing things outside your practice, and the time in your practice will be more enjoyable because you do not have to be there, but want to be there.<\/p>\n

Dr. Mark B. Desrosiers is a District II Director of the AAE, and chair of the AAE’s Public & Professional Relations Committee.<\/em><\/p>\n

The opinions in this article are of the author and do not necessarily represent the AAE.\u00a0 Dr. Desrosiers is not an accountant or attorney and has no financial interest in any statements made in this article. <\/em><\/p>\n

[i]<\/a> Hanson, Melanie. \u201cAverage Dental School Debt\u201d EducationData.org, October 11, 2021,
\nhttps:\/\/educationdata.org\/average-dental-school-debt<\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

  By Mark B. Desrosiers, D.M.D. The debt load dentists, and specifically endodontists, accumulate today can be staggering.\u00a0 The 2021 debt levels for graduating dentists was just over $292,000[i], and…<\/p>\n","protected":false},"author":12,"featured_media":21846,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[266],"tags":[],"feature":[236],"class_list":["post-21844","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","feature-paperpoint"],"yoast_head":"\nCan Debt Impact Your Life Choices? - American Association of Endodontists<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.aae.org\/specialty\/can-debt-impact-your-life-choices\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Can Debt Impact Your Life Choices? - American Association of Endodontists\" \/>\n<meta property=\"og:description\" content=\"  By Mark B. Desrosiers, D.M.D. The debt load dentists, and specifically endodontists, accumulate today can be staggering.\u00a0 The 2021 debt levels for graduating dentists was just over $292,000[i], and…\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.aae.org\/specialty\/can-debt-impact-your-life-choices\/\" \/>\n<meta property=\"og:site_name\" content=\"American Association of Endodontists\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/endodontists\" \/>\n<meta property=\"article:published_time\" content=\"2022-06-27T14:00:24+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.aae.org\/specialty\/wp-content\/uploads\/sites\/2\/2022\/06\/Desrosiers200.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"200\" \/>\n\t<meta property=\"og:image:height\" content=\"200\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Elisabeth Lisican\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@savingyourteeth\" \/>\n<meta name=\"twitter:site\" content=\"@savingyourteeth\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Elisabeth Lisican\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.aae.org\/specialty\/can-debt-impact-your-life-choices\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.aae.org\/specialty\/can-debt-impact-your-life-choices\/\"},\"author\":{\"name\":\"Elisabeth Lisican\",\"@id\":\"https:\/\/www.aae.org\/specialty\/#\/schema\/person\/db2d09ae5a4e55e3f493d0bdb744a5fa\"},\"headline\":\"Can Debt Impact Your Life Choices?\",\"datePublished\":\"2022-06-27T14:00:24+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.aae.org\/specialty\/can-debt-impact-your-life-choices\/\"},\"wordCount\":987,\"publisher\":{\"@id\":\"https:\/\/www.aae.org\/specialty\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.aae.org\/specialty\/can-debt-impact-your-life-choices\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.aae.org\/specialty\/wp-content\/uploads\/sites\/2\/2022\/06\/Desrosiers200.jpg\",\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.aae.org\/specialty\/can-debt-impact-your-life-choices\/\",\"url\":\"https:\/\/www.aae.org\/specialty\/can-debt-impact-your-life-choices\/\",\"name\":\"Can Debt Impact Your Life Choices? 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