Welcome to PT Wealth Journey, a personal finance site created by a PT and OT geared towards building a generation of wealthy therapists.
Too many of us are living paycheck to paycheck, drowning in debt or are stuck in a job we hate only to end up broke, out of shape or BOTH in the process.
My wife and I were on the same path and were feeling very discouraged, but this all changed when we learned how to manage our finances, investing and preparing ourselves to take advantage of opportunities whenever they strike.
Mission, Vision & Purpose
Our mission is to spread financial literacy and positively impact lives through sharing our stories and insights while working towards living a rich life — in more ways than one.
Through being one of many voices sharing their experience and knowledge towards intentional living, My goal is to contribute to a future where less of us are feeling stuck or hopeless because of the lack of money or fulfillment.
I hope to especially speak to physical and occupational therapists and other public servants who have chosen a career to help others but in turn, may fail to help themselves.
I’m here to let you know that you don’t have to set yourself on fire to keep others warm.
Break FREE
If you’re looking to break free from the societal norm of living paycheck to paycheck in a job that you only half like, then you’ve found some like-minded people.
I hope the resources and content I put out into the world can both empower and enlighten you in the same way we have been and that you learn from our mistakes.
We didn’t get into healthcare for the money, but we also didn’t get into it to struggle financially
You have already demonstrated your intelligence and capabilities through your education. With the right mindset and determination, you have the power to achieve anything you set your mind to. It’s within your reach to learn how to eliminate debt and create lasting wealth that can benefit future generations. Remember, not only are you capable of achieving financial success, but you also deserve it.
ABOUT THE FOUNDER
Her there! For now I’m anonymous due to still working and not wanting to be “found out”. I’m a physical therapist who is not only passionate about health and physical fitness, but I also developed a passion for all things personal finance. I began to see the financial struggles of many other healthcare professionals especially physical therapists. Hence, my creation of PT Wealth Journey.
Fun Facts:
- My wife and I dated for 10 years before I proposed. I blame it on a 7 year PT program followed by my residency.
- I’m fairly athletic and strong, but my ability to move and survive in water is limited to a pitiful doggy paddle.
- I’m a night owl and a morning person – That is until I encounter the hunger to do something new, then I become an insomniac.
My Major Money Moments
May 2011: Graduated with my bachelors of science in kinesiology with $9,500 of debt. Saved $10,000 working throughout high school and college. I decided not to pay off my subsidized loans and use the money I saved to survive in grad school.
May 2014: Graduated with my Doctorate in Physical Therapy with $107,500 in student loans when totaling principal and interest.
July 2014: Enrolled in the Public Service Student Loan Forgiveness (PSLF) program.
September 2014: Obtained my first PT gig, which was the best and worst thing that has happened to me.
December 2014: Entered Student Loan Repayment Under the PSLF program
July 2015: I finally proposed to my wife after being together for 10 years!
November 2015: Needed to leave my first job and decided to forget about student loan forgiveness.
December 2015: Transitioned from outpatient PT to working in a skilled nursing facility. Began paying off my student loans as aggressively as possible.
October 2016: Paid off my $115,000 student loan balance
February 2017: Began learning about investing leading me to contribute to my 401(k) and IRA. Experimented with Robo-advisors and began using the free trading platform, Robinhood.
June 2017: Started a new job as a home care PT.
July 2017: Finally achieved a positive net worth in cash and investments! I highly recommend personal capital as a money management tool to track your net worth and much more!
January 2018: Learned about the concept of financial independence and developed a plan to semi-retire by 40.
August 2018: I began doing something with my spare change and created something called “The free money game for investors“.
April 2018: The birth of my first blog which has been rebrand to PT Wealth Journey!
May 2019: Made an awesome $47,000 Investment in real estate and my family.
April 2020: Due to the Coronavirus pandemic, we were motivated to adjust our budget which will make use $30,000 richer.
June 2020: I decided to start my own mobile PT practice! I guess I’m somewhat of an entrepreneur now?
August 2021: First baby was born. A beautiful baby girl.
January 2023: PT Wealth Journey was born
June 2023: Home Health Course Launched