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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.…

Welcome! I'm Morgan Jorwyck.

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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

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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

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About the Pocketbook Chef

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FAST AND FRUGAL FAMILY DINNERS

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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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- Happy Customer

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Are You Happy with Your Money? Money and Happiness Through Different Life Stages

“Happiness is simply the absence of desire.” This is a quote that I recently read in James Clear’s book Atomic Habits, and it was one of those phrases that made me pause and really think. He goes on to say that happiness is this feeling of contentment. If you are lacking in desire (which is…

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Vet Success Stories: 100% Debt Free, Including the Mortgage!

This USDA veterinarian (who wishes to remain anonymous), resides in the Midwest with her husband and children. She also works as a part time associate veterinarian. She wanted to share her story of becoming completely debt-free, including her mortgage!  1.Give us a little of your background and how you got started in veterinary medicine. After…

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Showing Your Money Who’s Boss: The YNAB (You Need A Budget) Method

Do you REALLY need a budget? Well, if you’re wanting to make some significant changes to your money story, then you’ll have to have SOME form of budgeting. I’m sorry to say that your numbers aren’t going to magically fix themselves so that you’re rolling in the dough. That’s the #truth. It’s becoming harder to…

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10 Ways Veterinarians Can Prepare for the Next Recession

A recent plane ride had left me a bit nervous before takeoff. The weather at our destination was supposed to be pretty terrible, with a lot of wind and rain in the forecast. I braced myself for a bumpy plane ride. I was also crossing my fingers that my kids wouldn’t get sick on the…

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Increasing Income as a Veterinarian: 9 Strategies

When you hear the word “budget,” what do people usually think about doing first (other than running the other way as fast as possible)? They usually think about decreasing their spending, which is not very pleasant to think about. It brings about feelings of deprivation, scarcity, and hardship because now you have to question every…

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Disability Insurance for Veterinarians: The Basics

Life insurance, although not pleasant to think about, is easy enough to understand. Benefits get paid out upon a person’s death. There is no “gray” area here according to the insurance company- you’re either dead or alive.  However, disability is not so black or white. How exactly does one define “disability?” It turns out that…

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Life Insurance: The Basics

When it comes to protecting yourself and loved ones, life insurance is a must-have conversation. Once we added children to our family, there was no question that we needed to add life insurance to our financial plan. So let’s take a look and see what we can do to protect our families, have peace of…

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Going ALL IN with Paying Off Debt: Ask Yourself These Questions First

“I just want it GONE and out of my life FOREVER!” You have a lot of debt. You want nothing more than to get rid of this debt. You don’t care what you need to do to get this point- you just want to see that balance go to zero.  This is common. Debt is…

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Suicide Awareness In The Veterinary Profession

**This blog post originally posted in 2018. NPR recently aired a story focusing on this topic within the veterinary community- you can read and listen to it here.** SUICIDE This is a subject that is, unfortunately, not a stranger to the field of veterinary medicine. With the increasing emphasis on mental wellbeing, we are now…

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