Associate to Owner: The Financial Case for Buying a Dental Practice

Associates earn $150K to $200K. Owners clear $350K to $500K. The math on buying a practice is more compelling than most dentists realize.

25-Year Career Comparison

An associate earning $180K/year for 25 years takes home roughly $4.6M. A practice owner earning $400K/year, even after loan payments, takes home over $10.2M, plus owns an asset worth $500K-$1M at retirement.

The SBA Math

• Buy a practice for $700K with 10% down ($70K)
• SBA loan payment: roughly $8,200/month for 10 years
• Practice generates $300K+ in owner income after debt service
• After 10 years: own the practice free and clear

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