Most dentists know they should be investing. Almost none of them know the right order to do it in.

In this episode of Smiles and Cents, Ian McGinnis and Dr. Richard Low lay out the exact sequence every dentist should follow to build real financial freedom — starting with liquidity, moving into Roth accounts, and understanding why compound interest means the best time to start was yesterday.

Dr. Richard Low admits openly at 39 he still feels behind. That honesty drives one of the most practical and accessible financial conversations built specifically for dentists.

Topics covered in this episode:

• The three investment buckets: taxable brokerage, traditional, and Roth
• Why liquidity always comes before tax-advantaged accounts
• The exact order of operations for dentist wealth building
• Why starting with $50 a month beats waiting to invest big
• How the backdoor Roth IRA works step by step
• The compound interest math: starting at 35 vs 50
• Why dentists need $5M to $10M at retirement depending on lifestyle
• The pledge asset line of credit and how to stay invested while accessing cash

If you are a dentist who has been putting off investing until the "right time" — this episode is the push you need.

Connect with Dr.Richard :
Insta: @dr.richard.low
FB Group: Next Level Dentist — Rising Beyond Burnout

Connect with Smile and Cents:
Host: Ian McGinnis, Website: Dental Wealth Partners
Insta: @ianvmcginnis

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