6. Consider paying an accountant monthly to prepare your profit and loss spreadsheets and keep you on track to pay your quarterly taxes.

7. Actually understand your commission split, your cap, your fees. 

8. Actually have a monthly budget for your practice and stick to it.

9. CHART your savings goal on a white board, a posted spreadsheet, somewhere you can see it grow.

10. Once you're debt free (except mortgages), pay cash or pay it off monthly to KEEP yourself out of debt.
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