I personally live a debt-free lifestyle and coach my dentists and chiropractors on similarly working towards living with zero debt in their personal lives. Almost all of my clients are in various stages of eliminating personal debt from their lives forever. And all are making progress in that direction. We find money through tax savings, effective budgeting and elimination of unnecessary expenses with minimum effect on lifestyles and use this money to towards lowering the debt.
Coupled with debt reduction is the goal of accumulating savings for a blessed retirement. All my clients are working towards putting away some of their hard earned money towards their retirement goals so they can control their own destiny. By designing efficient retirement plans and finding money to fund them, I help doctors work toward real golden years instead of just worrying about that time.