Elliot Pepper: Financial Advice for PTs - Student Loans, Retirement & Real-World Planning

Navigating the financial world as a new or experienced physical therapist can be overwhelming, especially when juggling student debt, modest starting salaries, and the desire to invest in your future. In this episode, Dr. Yoni Rosenblatt sits down with Elliot Pepper, a Certified Public Accountant and Certified Financial Planner, to dissect the money questions that PTs and other healthcare professionals desperately need answers to. From day-one financial moves after grad school to building a balanced strategy for wealth, Elliot makes personal finance practical, approachable, and even a little bit fun.

We cover essential concepts like building emergency funds, understanding employer-sponsored retirement plans (401(k), SIMPLE IRA, Roth), and the best way to approach student loan repayment. With analogies that tie financial health to patient rehab journeys, Elliot explains how to start small, build smart habits, and prepare for the long game. He also breaks down the psychological component of financial planning - helping you understand not just what to do, but why it matters for your personal goals.

The conversation dives into some of the most pressing questions facing young professionals: Should you rent or buy? When should you get a financial advisor? How do you pick the right one? And what the heck is a “high-yield savings account”? Elliot even shares his honest take on cars, credit cards, and the single most important factor for building wealth: time. His advice is straight-talking, transparent, and geared toward helping you avoid the traps so many fall into.

If you’re a physical therapist, healthcare provider, or anyone in the early stages of your professional career, this episode is packed with insights to change your financial future. Learn how to find financial stability, freedom, and confidence, and hear how Elliot’s own humble car choice (hint: it’s 2007 and has seen better days) reflects his grounded and intelligent approach to money. Tune in and take control of your financial game plan!

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