Ever wondered how veterinarians navigate the maze of student loans? 

Let’s unravel this mystery in the latest episode of the ‘Making Hay’ podcast with Marcia Miller as she welcomes back Matt Byars. Together, they share crucial insights and personal experiences that could change the way you think about your financial future. Discover why early financial planning isn’t just smart, it’s essential.

Key Highlights:

• The difference between government and private student loans, with a focus on interest rates and repayment terms
  
• The importance of budgeting and financial planning for debt repayment without compromising on life’s pleasures
  
• An analysis of veterinarians’ debt-to-income ratio compared to national averages, highlighting better management potential due to higher starting salaries
  
• Strategies for recent graduates and seasoned professionals to effectively manage and reduce student loan debt
  
• The power of negotiation for a higher salary to improve the debt-to-income ratio
  
• Practical advice for living within means and aiming to pay more than minimum on loans
  
• The importance of avoiding unnecessary borrowing and investing wisely
  
• Encouragement to seek professional financial planning help early in one’s career
  
• And much more!
  

Resources:

• MeetWithMarcia.com 
  
• Schedule A Call
  

Connect with Marcia Miller: 

• LinkedIn: Marcia Miller
  
• mmiller@rfgadvisory.com 
  

Connect with Matthew Byars: 

• LinkedIn: Matthew Byars
  
• mbyars@rfgadvisory.com 
  

About Matthew Byars: 

Matthew’s road to wealth management started in college, when he was majoring in Finance at UAB. There, he found his passion for the technical side of business, asset management, and the many other aspects of finance. From there, he knew that he wanted to pursue a career building value through the skills that I had developed in my studies, so he decided to go to business school at Clemson.

After earning his MBA, Matthew was fortunate to pursue an opportunity to realize one of his dreams to work on the institutional side of asset management for the London Stock Exchange in both Charlotte and New York City. After spending 5 years working in that field, he realized that there was something missing.

Matthew  decided to move back to Birmingham and pursue a career in wealth management and  was lucky enough to connect with Marcia. They work as a team. Marcia has been serving clients for over 25 years and Matthew brings institutional experience that gives clients insight and access to some of the technical skills that traditionally only corporations have had access to, really helping them to bring a holistic experience to their clients.

Outside of the office, Matthew’s main priority is spending time with his wife Amanda and their golden, Charlotte. In his free time, Matthew likes to go golfing and spend time with his friends and family at the lake.