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What Will You Make of Your Millions?

$5.8 million. This is the number that you can expect to earn in a lifetime according to these conditions: Starting salary: $80,000 Age: 26 Retirement age: 65 % annual increase in income: 3% Of course, these numbers will vary WIDELY depending on your situation.  Change any of these variables, and you will have different results.…

Taxes: DIY or Hire?

Tax season is usually focused on one thing- am I getting a refund, and if so, how big is it going to be? According to the latest numbers, $452 billion in tax refunds were issued for fiscal year 2019. That’s a LOT of money. Even when people understand that this was a result of overpaying…

Bad with Money? Think Again….

What’s the first thing people want to do when it comes to taking control of their money? The logical first step is to look at some numbers. Ah yes- the exciting world of tracking expenses, budgeting, and cash flow planning.  Don’t get me wrong. I absolutely LOVE IT when people decide to start looking at…

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Welcome to the blog!

I'm Grace, a veterinarian who realized that vets weren't getting the money talk they needed and deserved. Financial wellness is a form of self-care that is NOT being discussed, and it's time to change the story. If you're wanting to dive into some money talk in order to live a richer life, you've come to the right place. You can read more about me here.

Vet Success Stories

Paying off over $500k in 6 years!

Vet Success Stories: Over $500k paid off in 6 years!

This small animal veterinarian, who wishes to remain anonymous, works in emergency medicine.  She is married and a mother of a 2 year old, with another one on the way.  Read how she is on her way to paying off over $500k (between student loans, consumer debt, and real estate) in 6 years! 1. Please…

Vet Success Stories: Reaching for FIRE (Financial Independence, Retire Early)

Have you heard of the FIRE movement? FIRE stands for financial independence, retire early. You can read about my motivation to FIRE here. Whether you’re on your way to FIRE or not, I hope you enjoy reading the story of others that are on this journey. This small animal veterinarian is splitting her time between…

Vet Success Stories: An ER vet hustling to pay off $118k in student loans

This ER veterinarian, who resides in New England with her 2 cats and a dog, recounts her journey as she is well on her way to paying off $118k in student loans.  A little spoiler: this loan payoff could have been done earlier, and she considers herself debt-free. Read on for more details! 1. Give…

Money Talk

Playing with FIRE Documentary Review: A New DVM’s Take on Financial Independence and Her Future

The documentary Playing with FIRE has been playing around the country all summer long. Unfortunately, I haven’t had a chance to see it yet, which has given me a major case of FOMO. Luckily, fellow DVM Rachel Luoma decided to go, and she was kind enough to share her story. Here is her bio: Rachel…

Avoid Common Pitfalls with Benefits in Veterinary Practice

The following blog post is a reprint from an article that was originally printed in the Oregon Veterinary Medical Association magazine. The author, MacKenzie Martin, is a financial advisor who works with many veterinarian clients. You can find out more information about her here. She has given full permission to re-print this article on this…

Student Loan Repayment Advice for Veterinarians: Where To Turn?

This post contains affiliate links. Please read my full disclosure here. Let’s say you have a ton of student debt. You need help figuring out how to pay this thing off. Your veterinary program didn’t do such a great job on giving you the tools to do this before you graduated. So now you are…

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What Will You Make of Your Millions?

$5.8 million. This is the number that you can expect to earn in a lifetime according to these conditions: Starting salary: $80,000 Age: 26 Retirement age: 65 % annual increase in income: 3% Of course, these numbers will vary WIDELY depending on your situation.  Change any of these variables, and you will have different results.…

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What Will You Make of Your Millions?

$5.8 million. This is the number that you can expect to earn in a lifetime according to these conditions: Starting salary: $80,000 Age: 26 Retirement age: 65 % annual increase in income: 3% Of course, these numbers will vary WIDELY depending on your situation.  Change any of these variables, and you will have different results.…

Welcome! I'm Morgan Jorwyck.

Food6

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. More About Me

quiCK 'N' EASY BREAKFASTS

Sorry, we couldn't find any posts. Please try a different search.

Get My 5 Day Meal Plan

GRAB MY HEALTHY RECIPES THAT WON'T BREAK THE BANK

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TASTY, NUTRITIOUS LUNCHES

Sorry, we couldn't find any posts. Please try a different search.

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About the Pocketbook Chef

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FAST AND FRUGAL FAMILY DINNERS

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GRAB MY HEALTHY RECIPES THAT WON'T BREAK THE BANK

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Isn't it about time you loved your life?

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Who you are

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Who I am

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Imagine living the life of your dreams

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Success stories

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What Dave Ramsey Got Wrong (and Right) About Vet Med

“Most DVM’s are making between one and a half to two hundred.” As in $150,000 to $200,000. This was in response to a DVM who called into the Dave Ramsey show, looking for advice regarding her student loans that are currently sitting at over $400,000. If you’re at all familiar with Dave Ramsey, you can…

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Playing with FIRE Documentary Review

After much anticipation, I finally had a chance to watch the “Playing With FIRE” documentary that had been released in 2019. This is a documentary that follows Scott and Taylor Rieckens, along with their toddler daughter, as they get started along their FIRE journey. The FIRE acronym stands for Financial Independence, Retire Early. The math…

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Marie Kondo and Your Finances

Note: This post was originally published in January, 2019. Simplicity. This is what I strive for, with my everyday life and my choices. So back in 2014, when this little book with a long name called “The Life-Changing Magic of Tidying Up: The Japanese Art of Decluttering and Organizing” by Marie Kondo became all the…

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The AVMA Wellbeing Summit 2019: A Review

The blog post titled “Work-Life Balance Is Not Enough: Focusing on the Bigger Picture,” goes beyond the idea of “work-life balance” and focuses on general wellbeing, and it was inspired by my time at the 2019 AVMA Wellbeing Summit. This is a follow-up post, where I wanted to share some of my other big takeaways…

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Personal Finance New Year’s Resolutions You Can Start TODAY

Note: This post originally published in December 2018. It has been updated for 2019. According to the Merck Animal Health Veterinary Wellbeing Study, one of the biggest stressors in a veterinarian’s life is money. One could argue that this is a top stressor for almost anyone, but veterinarians are especially prone to financial stress. Why?…

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Work-Life Balance Is Not Enough: Focusing on the Bigger Picture

The ever-elusive work-life balance….how does one achieve this? Perhaps the problem is that we have a pretty clear understanding of what constitutes the “work” part, but how exactly do you define the “life” part of this equation? Did we ever feel “life” balance before work entered the picture? One important component of life is your…

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Holiday Spending Tips: Plan Better and Beat the Stress!

Every year, the holiday decorations and holiday-themed music seem to start earlier and earlier.  So do the sounds of credit cards swiping and keys tapping/fingers swiping as online shoppers scour the internet for the best deals. For some people, this is truly the most wonderful time of the year. But for many others, this time…

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Vet Success Stories: A Globe-Trotting DVM Shares Her Debt-Free Journey

I’d like to introduce a veterinarian who has been quite the adventurer! Her job as a military DVM has taken her across the globe, and she has even done a stint as a vet working in the UK. She’s had experience owning rental real estate, and she’s about to embark on a NEW adventure. Read…

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