I Wish I Knew Sooner: Dentists' Biggest Financial Regrets

Announcer:
Hello everyone. Welcome to the Millionaire Dentist Podcast, brought to you by Four Quadrants Advisory. On this podcast, we break down the world of dentistry finances and business practices to help you become the millionaire dentist you deserve to be. Please be advised, we do speak with an honest tongue and may not be safe for work.

Casey Hiers:
Hello and welcome. This is Casey Hiers back at the Millionaire Dentist Podcast, in the studio with a sickly Jarrod Bridgeman.

Jarrod Bridgeman:
Oh, I feel like I'm dying, Casey.

Casey Hiers:
Well.

Jarrod Bridgeman:
Not so much. I'm getting better, but I went to the doctor. I've got double ear infections. My sinuses are all jacked up.

Casey Hiers:
Why are you here?

Jarrod Bridgeman:
You know what? I just love helping dentists.

Casey Hiers:
Yeah?

Jarrod Bridgeman:
Yeah. And honestly, if I'm at home, I'm going to be bored.

Casey Hiers:
Interesting.

Jarrod Bridgeman:
What am I going to do?

Casey Hiers:
Interesting.

Jarrod Bridgeman:
Casey, you're the executive producer, the writer, the star of this whole show here. And so you came to me with some ideas today and it kind of revolves around the maybe things that dentists or specialists will say to you or involved in our process, or maybe even at the events that you help put on. I kind of wanted to dive into that, some of the common things, or some of the things you've heard kind of just slung your way.

Casey Hiers:
Slung?

Jarrod Bridgeman:
Slung, slunged, slinged.

Casey Hiers:
Sent.

Jarrod Bridgeman:
Sent.

Casey Hiers:
Slung. You know what? My wife's been playing Words with Friends with her dad, and he beats her all the time with wild words, so I'm going to have to share that one. Maybe that's a 45-point word.

Jarrod Bridgeman:
Try it. Could be.

Casey Hiers:
Yeah. I'll date myself, but David Letterman, I loved his top 10 list, Family Feud, all the top answers. Yeah, we were just discussing this, and there's a lot of repetition with things that I've heard over the years or hear a lot of practice owners say. So let's unpack that today.

Jarrod Bridgeman:
I think the number one, which you've written down is I wish I would've found you sooner.

Casey Hiers:
Well, some of these are on a positive side, others are on a negative side. But yeah, I wish you had found us sooner. We hear that a lot from folks on the back nine of their career, a little less runway. And they've maybe spent the majority of their career producing great dentistry and trying to master the business financial, tax, cashflow, insurance side of things. And then they look up after months or a year, a year and a half, and they're like, "Oh my gosh, you guys know what you're doing? I wish I had found you sooner. I'm making more. I'm saving more. I have less stress." We hear that a lot, where it used to be funny. Now it's just kind of like, yeah, I don't want to demean it, but yeah, getting stuff right, we wish we had done it sooner. Our health, our fitness, our finance, whatever that is, a relationship, once you get it right, you wish you would've done it sooner.

Jarrod Bridgeman:
Some people are hard learners. Sometimes you really have to beat them over the head for them to get it.

Casey Hiers:
Timing's everything. But man, that is something. And there's people that probably learn a new procedure or learn a new, get a new piece of equipment, and they're like, "Oh, I wish I would've had this sooner." So in life, that's a common thing that you say. For us, I think, it's-

Jarrod Bridgeman:
I mean, there's even a Rod Stewart song about it. "I wish I knew now what I knew younger."

Casey Hiers:
Oh, yeah. That's a good one. It's an oldie.

Jarrod Bridgeman:
Yeah. But I would say the other group I was thinking of too is the people where it's maybe far too late, a guy who's early seventies, maybe just retired or just sold his practice and was like, oh.

Casey Hiers:
We were down south in SEC country recently, and I had a guy, he had sold the practice and had a great time at the course, and I mean literally it was too late. He goes, "I wish I had found you 25 years ago." And I'm like, "Me too."

Jarrod Bridgeman:
Me too, buddy.

Casey Hiers:
"How's retirement going?" He goes, "I might have to go back and be an associate." And that was after an hour or 75 minutes of our content where we get real raw and he felt comfortable saying that. He's like, "Yeah, gosh darn it. I wish I had found you sooner."

Jarrod Bridgeman:
Man, 25 years ago, I mean, my intern wasn't even born yet. Stuff's crazy, dude. I'm telling you.

Casey Hiers:
Are you doing math in your head?

Jarrod Bridgeman:
Bro, she told me her dad's the same age as me, and that just hurt my insides. I'm old now. I got gray hairs happening. It's weird.

Casey Hiers:
Do we need to lay you down on the couch? You need to talk about it?

Jarrod Bridgeman:
I think so. Can we talk about it? I mean, these are things I wish I had done sooner.

Casey Hiers:
Is this the NyQuil talking, or is this-

Jarrod Bridgeman:
It could be. It could be.

Casey Hiers:
Yeah. I see a straw in your NyQuil. That's like Will Smith in Hitch just-

Jarrod Bridgeman:
Do a little Robi-tripping. Yeah, yeah.

Casey Hiers:
On the other side of the coin, it's fascinating because I'll talk to younger people who maybe haven't experienced enough challenges or years trying to figure it out, and another thing dentists and specialists say is, "Well, I want to continue to try to figure it out." And so that's the other side. The older people who figure it out and have success, well, they wish they would've found it sooner, except in their younger life they weren't ready. It's a timing thing. People have to be ready. But a lot of times, some younger people or even some people may be in the middle of their career and they have hit success where maybe at the beginning they weren't making much at all, now they're making three or 400 and they should be making six or 700, but they want to keep trying to piece it together, do it themselves, figure it out because we've talked about this before, they've done that all their life. They've been the ones that treat the patient, solve the problems in the office, help family financially. They've been the problem solvers. So it's odd that they have to maybe need help or delegate, and so they just, "Well, I'm going to just keep trying to figure this out. I think if this one loan drops off, everything's going to be better. Or if I just can get," it's always the next thing, "This one thing, it's going to fix everything."

Jarrod Bridgeman:
It's like in your younger days, being in high school, being in college, and working, you're just like, if I just made 60 K, I'd be doing okay. Now if I was just making 80 K, if I was making 120 K. That just keeps changing and keeps going. My question for you is, not really a question, but with the people that want to continue to try to figure it out, my question for them is, when, when are you going to figure it out? When are you going to have the time? If you're already, let's say, mid-career now, you may have a family, you may have kids, you might have sporting events to do, you might have school activities, you have to do things with your wife, with your parents. So when are you going to sit down and lock down and really become an expert overnight on-

Casey Hiers:
Typically a negative catalyst has to occur, getting a hundred thousand dollars tax bill they weren't expecting or the practice flooding, something significant where it gets them to almost raise that white flag. Unfortunately, that's a common path where they go, "Okay, enough's enough. I felt like this for a while. I've just kept on keeping on. And now's the time."

Jarrod Bridgeman:
From that point, how often do you see them try to do just a one-time fix, and then the next year it happens again?

Casey Hiers:
Yeah, it's very common. It happens again, or just another thing. We've referenced the game Whack-a-Mole from the arcade. You fix one thing and two more pop up, and then you knock those two down and one more, and it's a cycle. Because again, most of us are not all things to everyone and cannot fix everything. Those are challenging lessons to learn because we all have some ego and pride, and others, some at different levels, but that can really prevent people from going, "It's okay that I don't have this mastered. Why the hell am I not doing something about it?" But yeah, those two are intimately connected, "I wish I would've fixed this sooner or found you sooner," and, "You know what, I'm going to continue to try to figure this out. I think if this one thing occurs, it's all going to be roses after this one thing."

Jarrod Bridgeman:
My practice, my finances could be doing better, but I just really love working with my buddies, my CPA, or my uncle, who's my accountant. Sometimes those familial relationships can cause friction down the road. And I know you've talked about it before in the podcast, but can you kind of tell me the emotion behind sometimes either keeping someone or being forced to remove someone from your circle?

Casey Hiers:
Yeah. What's another thing that practice owners say, "I really like my," fill in the blank. And that can be CPA, financial planner, investment advisor, whatever that looks like. And we get that, we respect that. I mean, first off, why the hell would you work with somebody you don't really like? But there can be really deep relationships there. And again, that's when I hear that, I'm like, I've heard it hundreds of times, I understand it. My question back is, how much is that relationship worth? And unfortunately, with the topic that we talk about, we cover, and that we help people with, over the course of a career, it's significant. It's in the multiple millions of dollars difference. Dentist A getting it right, retiring with 9 million, Dentist B doing it themselves and kind of piecemealing it and enjoying the struggle with their friends, they might scrape together three and a half million. So that relation, well, shoot, what's nine minus three and a half?

Jarrod Bridgeman:
Five and a half.

Casey Hiers:
I should have made... But is that relationship worth five plus million dollars? Typically, the answer is no. And then we've said this in previous podcasts, if that person is pissed off that you are not going to work with them-

Jarrod Bridgeman:
They're not really your friend,

Casey Hiers:
But there's good reasons why, it's not personal, and it's actually there's a quantifiable number to it and they're still pissed. Well, huh, would they do the same for me? Because right now, they're... So I think you-

Jarrod Bridgeman:
Did they have your best interests in mind the entire time?

Casey Hiers:
Yeah. No, that one we hear quite a bit. And then, well, how do you do it? Oh, I hear that a lot.

Jarrod Bridgeman:
Yeah. How do you, Casey?

Casey Hiers:
Yeah, how? I like that answer with different things. And it's fascinating, I use analogies more and more the older I get, but for dentists out there, if you have a patient come in and their tooth is throbbing and they walk into the room and they look at the operatory or the chair, they look at the supplies and they look at you, and they're like, "Well, my tooth hurts, but I don't understand how all this is going to fix it. How? How's this going to work?" Well, what you want to say is, "Sit your ass in the chair. Let me do what I'm trained in. And within a day or hours, your tooth pain will subside because I'm trained in this. These are the tools I use. It might be hard for you to conceptualize how this is going to go." But that would be maddening for practice owners if they were to ask that all the time. You walk into a restaurant. Well, I see a kitchen, and I see people cooking, but I don't understand how I'm going to have this great meal. I just don't understand.

Jarrod Bridgeman:
Why are you putting lemon on it?

Casey Hiers:
You need to order it and you need to most likely be committed to paying for it, and then it comes out and it's delicious. But that gap of, well, I just don't understand how. Well, just because you don't understand how doesn't mean that you can't get your tooth fixed or you're not going to enjoy a delicious meal, filet, twice baked potato, king crab legs. You might not see that prepared plate when you walk in, but you walk in knowing this is what they do and there might be a leap of faith that when you order it from the words that it comes out on a plate. Does that sound...

Jarrod Bridgeman:
Yeah, no, I get it.

Casey Hiers:
Am I being a jerk the way I said that?

Jarrod Bridgeman:
No, because... And it makes sense. And depending on who you're talking to, if you're talking to a dental specific firm like us, you're going to have more trust in the menu that we're offering versus you're, not to put them down, like a run of the mill CPA who dabbles in everything.

Casey Hiers:
Yeah, let's get back to that. The dentist is going to be like, "What are you talking about? I've been doing this for decades." The restaurant's like, "Yeah, we've been around for 30 years. This is what we do." That's kind of our sentiment, but we have to be careful with that. We have to be very nurturing because it's different, it's new, but the how. And then again, we don't provide free consulting, so we're not going to provide a blueprint. What we provide is expertise and credibility where people look at it and go, "You know what? This is going to work." And that's really the key. It's laying out the credibility and expertise through a variety of challenges that they've had.

Jarrod Bridgeman:
And on your end, too, is when you do get to the consult process of it, it is also educating that practice owner on the entire thing because-

Casey Hiers:
Education is a huge part of what we do. We don't just all right, let's go back in the lab, magic wand, fix it, and then ta-da. We educate people along the way.

Jarrod Bridgeman:
And here's why it's going to work in the long run. This is too many people are so expecting a immediate gratification.

Casey Hiers:
Instant gratification?

Jarrod Bridgeman:
Yep.

Casey Hiers:
Yeah. No, I get that for sure.

Jarrod Bridgeman:
What about the guy that tells you, or the guy or gal that tells you, "You know what, I really like to do my own investing. I don't want to let you guys do that. I want to control that?"

Casey Hiers:
That is a common one. I think the joke is that NBA players want to be rappers and rappers want to be NBA players. It's fascinating that a lot of practice owners, they dabble in a variety of different things. But a lot of them do like to do their investing. And we've had people literally on the front end of our process say, "Yeah, I'm up 40%, I'm up 60%, I'm up 80%." In reality, they were up 4, 7, 11. Look at year over year, there's a lot of interesting parts to that. But yeah, that's just another thing. I mean, if I went to the dentist and said, "You know what? I like being here, and can I have that tool? I'm going to numb myself. And I'm going to go ahead. I'm okay if you're in the room, but I'm going to go ahead and do it." Are you kidding me?

Jarrod Bridgeman:
I'll put on my own fluoride. It's fine.

Casey Hiers:
There's a lot of interest in that, and unfortunately, again. What you're trained in, monetize it, be really good at it.

Jarrod Bridgeman:
I think too many people see investing as it's like gambling. It's that again, looking for instant gratification. It's the moving in and out of money. They might be up a little bit, but it's because they've been just shifting around instead of really doing what the guys here who are certified and know how to do these things. I don't do it myself because I don't know what the hell I'm doing.

Casey Hiers:
I've met exactly one practice owner who has done it; they're investing themselves and actually did a really good job. And when I talked to them, they were like, they admitted, they go, "I don't even know how the hell this happened. I think I actually bought the wrong stock." I mean, I'm tongue in cheek. But there's been exactly one that was like, "No kidding. You really did well," and they admitted-

Jarrod Bridgeman:
Stroke a luck on that one.

Casey Hiers:
Yeah. Like what the heck. It was not systematic. There wasn't planning. There wasn't necessarily diversity. It was just lightning in a bottle. And that happens. Some people were born with a horseshoe in their mouth and everything. That's not for the masses. But yeah, that's a tough one, if they like to invest. But again, is there another hobby that maybe you can scratch that itch? Because majority of the time, people are missing out on tens of thousands, if not hundreds of thousands of dollars a year not having a sophisticated, actively managed investing strategy that's custom for them, but there's something in that ego that they like doing it or it's fun. That's great. Do something that's fun, that maybe is less impactful, that's not going to potentially set you back.

Jarrod Bridgeman:
Well, and if you have everything in line and everything rolling and everything good and all your goals are being met and you know what you're going to do, if you want to have some fun money to do some of that kind of side stuff just on your app on your phone, that's a different story than basing your entire retirement plan on that.

Casey Hiers:
Get it right first, then go dick around.

Jarrod Bridgeman:
Yes. The next one I would say is something I've heard from you've mentioned, and it happens in every state you've been to, every city, is overhead. Overhead's always going to be an issue on some level. Owners would feel like they've tried. They've tried lowering it; they've been actively battling it. And you know what? After all this time, I just don't think it's possible. I mean, I've got to have my employees, I've got to have these supplies.

Casey Hiers:
Psychologically, it's easier to complete the narrative of because of external reasons, it just can't be done versus it can be done, you're not trained in it, you don't have the time in it, you don't have the capacity. What's easier, to admit you need help or to blame exterior challenges as to, well, then it just can't be done if I can't do it? My ten-year-old has that mentality. "Daddy, this is impossible," with such confidence. And I'm like, "Oh."

Jarrod Bridgeman:
Oh, okay.

Casey Hiers:
"Let's talk through it." 10 minutes later, it is possible.

Jarrod Bridgeman:
Weird.

Casey Hiers:
But a lot of people have that same mentality. And again, it's not a knock on anybody. You've probably spent your career pining over overhead, considering it, what do I do? Where does the mind instantly go? Cheap supplies and fewer employees, or poorly paid employees. That's not typically the case. There are typically 47 different reasons a year, some big, some small, that are going to affect your overhead. And again, it's not a knock that you've tried, and it's just hard. You're still at 62 or 68 or 75 or 85 or 90.

Jarrod Bridgeman:
It's a situation where the sum is greater than the parts. Yeah.

Casey Hiers:
Well, and it's wild when people have 80 plus percent overhead, and they still like, "Well, I'm just going to try. I'm going to try to figure it out."

Jarrod Bridgeman:
Well, good luck.

Casey Hiers:
80 plus percent overhead on 1.3 million in collections. Do you know what this is costing you?

Jarrod Bridgeman:
You're keeping what, 15 cents out of every dollar?

Casey Hiers:
Are you trying to do math again?

Jarrod Bridgeman:
I am. Listen, I took my kids to their math tutor yesterday, so it's on my brain.

Casey Hiers:
Top of mind.

Jarrod Bridgeman:
Top of mind.

Casey Hiers:
But yeah, listen, overhead's tough. And we talk about this, a lot of people don't even know what their overhead is or it's not quite right or well, it's because of this, this, this, and this. Well, next year there's going to be many more reasons why. Again, it just comes down to if you're okay with high overhead that controls you, that you don't feel like you have a good hand on, then that's fine. It's like the rationalization for accepting it.

Jarrod Bridgeman:
I'm not here to beg you to make your overhead better. I'm just saying there's a better way, and I can tell you what that is.

Casey Hiers:
Yeah, no, that makes sense.

Jarrod Bridgeman:
Let's say you've got some people on the phone, you've already met them a couple times, you've been there. All of a sudden, they're starting to ask you, "Well, I want to hear from other people. Can you please provide me some phone numbers from some of your clients, please?"

Casey Hiers:
Yeah. And listen, we all have buying patterns. Every person has buying patterns that they're comfortable with. Some buy things quickly, others like to take their time, and somewhere in the middle. There's a whole range of buying patterns. Most are used to the, well, I want references. And this is a fascinating one because I'm not surprised when I hear it, and I respect it. We have to guard and gate our client's time because, again, they provide us a ton of referrals. They tell us anything you need. And I mean, it's been incredible. But it's odd when a reply is, well, we have dozens of client testimonials with their spouses talking about their experience. I'm happy to share those with you. We do not provide our clients' cell phone numbers. Because again, they're producing dentistry, they're enjoying their hobbies, and spending time with their family. We talk to way too many people-

Jarrod Bridgeman:
Not even including the breach of trust.

Casey Hiers:
What do you mean?

Jarrod Bridgeman:
Oh, yeah. By the way, Dr. Smith, I just handed out your cell phone number to somebody.

Casey Hiers:
Well, I mean, again, we have people that have volunteered that, but we've also had people who they'll look at the videos and then they'll Google them and they'll call the office and, "Hey, Dr. So-and-so from across the country wants to talk to you." And our clients will take the call, and they'll immediately reach out, "Hey, I talked to So-and-so. They're really nice, and obviously I told them how much you've helped us, and you might be hearing from them." And I'll be like, "Oh, that's great. Thanks for the heads-up." How long was that call? 45 minutes. You start doing that a handful of times. Again, our clients are, we respect their time too much, and our results speak for themselves, and the referrals they give us are more than enough. But that's an interesting one because it can halt people because they're used to like, oh, yeah, yeah, how many do you want? And the wild thing is, unless there's... What they're asking is, can I trust you? And that's why with 21 years of experience and all the resources on our website, and again, the client testimonials, it's-

Jarrod Bridgeman:
You just don't give them the references from your resume?

Casey Hiers:
What's that?

Jarrod Bridgeman:
From your resume. Yeah, you can call my grandma. She says I'm great. There's a couple random numbers.

Casey Hiers:
Yeah, I mean, there's companies out there, of course they're going to have people that can fulfill that. But yeah, that's a big one.

Jarrod Bridgeman:
Casey, what's the next one you've got on your top 10?

Casey Hiers:
Well, this is one of the good ones. Sort of towards the end of working with somebody for a decade, a decade and a half, they go to retire. They're just grateful. "Thank you. Thank you, Four Quadrants Advisory. You've taken the stress of practice ownership off my shoulders. I now get to retire three years earlier with significantly more money." We hear that a lot. There are videos that talk about that. "Oh, I've worked with them for eight years. If I would've worked with them for 15, I would've retired even sooner." But significant, that's a wishy-washy word. What does that mean? I'd say probably three to $10 million more, so in addition to. So the person who's trying to do it themselves or do their own investing, maybe they're on track for three and a half, four, four and a half million.

Jarrod Bridgeman:
And then throw five to 10 years earlier on top of that.

Casey Hiers:
Well, I won't say five to 10 years earlier. Three years. Ultimately, our clients can retire sooner, but they like dentistry more when they're not so stressed, because when your money's right, everything's a little better.

Jarrod Bridgeman:
What's always been pretty impactful to me when I speak with some of our clients when they come in for their annual meetings is hearing the spouse's perspective, the wife or the husband, who's not working in the practice and they have their own career, but just being able to hear their story of how things have changed at home. And that's always a huge thing to hear someone else see it from their point of view. And sometimes you insulate yourself, and you're like, oh, I'm less stressed, but you may not always feel it right away when your spouse is like, bro, you're stressed out.

Casey Hiers:
It's typically, it's interesting to hear from the dentist or specialist, and then when the spouse gets involved, that's exactly right, their perspective. And again, we want to be honest, open, and figure out why it doesn't work as quickly as possible. That's a fine result. But ultimately, when the spouse is like, "Oh my gosh, they've been stressed for years. They bring it home. They don't even know," and I'm like, Oh, okay. It's good to identify it. Now, it's challenging when there's a 20-minute sidebar argument because they've never talked about such important things like, I don't know, money and retirement. That's always fascinating that I'm on a phone meeting when that's-

Jarrod Bridgeman:
What's this rent for? It says Sugar Shack.

Casey Hiers:
That doesn't happen very often. And then one of the other things we'll hear a lot too is again, "What's your overhead? What are your insurance adjustments? How much do you need to retire? How much do you need to save to retire? When do you want to retire?" "I don't know." I hear, "I don't know," way too often from practice owners. And again, we're not talking about something small like what kind of refreshments are in your lobby today. This is their money, this is their legacy, this is their retirement. And unfortunately, there's a lot of just, "I don't know." And so all of these are things that we hear, we see. Some people were able to work through those and be honest with themselves. And again, we're not for everybody. This isn't about everybody needing to work with us. But it's just mindset that over time, we've seen so many self-limiting factors that practice owners have. They're so successful in different areas of their life, their family, treating patients, and then this part that's significant is just underserved.

Jarrod Bridgeman:
And I get it, it's tough. I mean, after doing everything else you've been doing, you might have 10 minutes to yourself this week to do the one thing you want to do.

Casey Hiers:
Yeah. And I will say there are some that are almost like they like the pain. They say they don't like-

Jarrod Bridgeman:
Masochists.

Casey Hiers:
Yeah, they say they don't like the 10 to 12 hours they put in on this. They actually, they kind of like that badge of honor. That's fewer people, but I have seen that before. Sometimes it's the spouse that works in the practice and they've sacrificed their primary career to try to help in the practice. They're a little bit lost, and so they're not necessarily mastering everything. And so what they compensate for is by saying, "Well, I'm just so busy. I'm always..." If you're always busy but ineffective, is that winning? Probably not. But I've seen that where they-

Jarrod Bridgeman:
If that was a deodorant, I'd switch brands.

Casey Hiers:
But it's that badge of honor of just I'm so busy, I'm so overwhelmed, everybody, blah, blah. And they actually kind of secretly enjoy it because it's a little bit of their identity and who they are.

Jarrod Bridgeman:
Yes, it makes them feel important.

Casey Hiers:
Yeah.

Jarrod Bridgeman:
Yep.

Casey Hiers:
Absolutely.

Jarrod Bridgeman:
Casey, of all the things you kind of said, that last one of I don't know, I think is the first step a lot of owners need to think about is put some numbers together, find at least some base numbers. When would you like to retire? How much do you think you need? I mean, having something at least gives you talking points.

Casey Hiers:
Practice owners are by nature, broad brush stereotype, nonconfrontational, even though it's demanded from them and their office and staff, which they don't enjoy typically. But yeah, it's just having some courage with demanding more from who handles these things for you externally with your money, or again, finding a team that masters this and serves it up on a silver platter. And people are kind of shocked sometimes when I'm like, "Hey, this doesn't make sense. The timing's not right. What your practice needs right now doesn't align with paying us." And that goes back to that timing thing. But then people are like, "Really?"

Jarrod Bridgeman:
That's our integrity.

Casey Hiers:
"I've never really been told that. Everybody just has been put a target on me and wants my money, and I have to decipher who can..." And that's something else I'll hear. "Wow, this is refreshing. I'm disappointed, but..." And then there's people who we'll talk to 12 or 18 months later, and the timing is right. Things in their practice are aligned, where we can absolutely make that big impact. But it's all about results and impact.

Jarrod Bridgeman:
That's right.

Casey Hiers:
Yeah, that's my top nine.

Jarrod Bridgeman:
Top 10. I love it. Top nine, top 10, whatever number we ended on. Casey, next week we're going to be in Charlotte and Raleigh, North Carolina. Charlotte's already sold out. As of today, Thursday, November 13th, we only have I think five spots left. So if you really want to go and listen to our team and listen to our guys and gals, just kind of hear about what you need to hear and maybe engage with them with us in the conversation, please sign up. After that, we're going to be in Boca Raton, Florida, and Naples, Florida. I'm not jealous of you, Casey, getting to go to Florida in the middle of December, but that does sound great.

Casey Hiers:
We did have snow a couple of days ago.

Jarrod Bridgeman:
I know, we did just have snow. Oh my gosh.

Casey Hiers:
What's that all about?

Jarrod Bridgeman:
My son that Monday morning had a two-hour school delay and he swore up and down he'd have another one the next day. And I was like, "That's not how it works, buddy. The road's clear now."

Casey Hiers:
Yeah, no, my little ones were sad the snow was disappearing. But yeah, no, listen, we go to great areas, great venues, provide great subject matter, have a good time, but it's always fun when it's South Florida in December.

Jarrod Bridgeman:
That's right. And I'm up here shivering. Thanks, Casey.

Announcer:
That's all the time we have today. Thank you to our guests for their insight and for sharing some really great information. And thank you to you, the listener, for tuning in. The Millionaire Dentist Podcast is brought to you by Four Quadrants Advisory. To see if they might be a good fit for you and your practice, go on over to FourQuadrantsAdvisory.com and see why, year after year, they retain over 95% of their clients. Thank you again for joining us, and we'll see you next time.