Building Financial Security

We’re sharing five money moves you can make today, what you need to know before switching career paths, and the one student loan deadline that you can’t afford to miss. Featured Guests: Joseph McGrath Dani Buschick Dr. Michael Jerkins For more information, show notes and transcripts visit https://www.ada.org/publications/dental-sound-bites ⏱ Timestamps: [00:00:00] Intro: Building financial security [00:01:15] Framing the conversation: student loans, career paths, and financial stress [00:04:33] Joseph McGrath (KeyBank) discusses major student loan changes ahead [00:05:05] The July 1, 2026 deadline and SAVE program phase‑out explained [00:12:02] What these student loan changes mean in real life [00:18:22] Refinancing vs. consolidation: what’s the difference and why it matters [00:28:09] Dani Buschick breaks down the five money moves every dentist should know [00:34:04] Financial wellness & getting clear on your debt [00:38:45] Dr. Michael Jerkins (Panacea Financial) on navigating career transitions and practice ownership [00:44:38] Lessons learned: financial readiness, having the right advisory team, and cash reserves ___________  *Resources* - ADA News story about how the One Big Beautiful Bill impacts student loans. https://adanews.ada.org/ada-news/2025/august/one-big-beautiful-bills-impact-on-student-loans/?_gl=1*xaz86z*_gcl_aw*R0NMLjE3NzU2MDEzNzMuQ2p3S0NBancxdExPQmhBTUVpd0FpUGtSSHFsWHBhcC1mODByNmZ2anRwY1lkaTJyMlFpbV94WUFQdnFmRDIzMU1adTZnQUZRWVBLc0RSb0N1YnNRQXZEX0J3RQ..*_gcl_au*NzQ5NTMzMDQ5LjE3NzA5MDQyODA.*_ga*Njc5ODkyODc1LjE3NjMwNzE1MjU.*_ga_X8X57NRJ4D*czE3Nzc1NzkwNzgkbzEzOSRnMSR0MTc3NzU3OTA4OSRqNDkkbDAkaDA.*_ga_NVSBFQCBYE*czE3Nzc1NzkwNzgkbzEzOSRnMSR0MTc3NzU3OTA4OSRqNDkkbDAkaDA.*_ga_JDE0LTHGWL*czE3Nzc1NzkwNzgkbzEzOSRnMSR0MTc3NzU3OTA5MCRqNDgkbDAkaDA. - Learn more about ADA Member Advantage partner KeyBank. https://www.adamemberadvantage.com/endorsed-programs/student-loan-refinancing - ADA Credit Union is tailored for ADA member dentists, their teams and everyone's extended families— offering exclusive financial products and personalized coaching that support your goals through every life stage. Visit https://www.adacu.org/ to learn more. - Check out the latest episode of the Life. Money. You. Podcast. https://www.lifemoneyyou.com/better-money-moves/podcast - Read more about Panacea Financial and the savings for ADA members. https://www.adamemberadvantage.com/endorsed-programs/practice-financing ___________  _Disclosures_ _This podcast is produced for information purposes only and is not an offer or solicitation of any product. KeyBank and its affiliates are not providing any financial, economic, legal, accounting or tax advice or recommendations in this podcast. The information contained in this recording may not be current, and KeyBank has no obligation to provide any updates or changes. Neither KeyBank nor any of its affiliates makes any representation or warranty, of any kind, as to the accuracy or completeness of the information in this podcast and expressly disclaims any and all liabilities around such. Key.com/ADA_ _IMPORTANT INFORMATION: Please note that if you refinance qualifying federal student loans, you will no longer be eligible for certain federal benefits or programs and waive your right to future benefits or programs offered on those loans, which may include, but are not limited to, Public Service Loan Forgiveness, Income-Driven Repayment plans, forbearance, or certain forgiveness options granted to Parent Plus borrowers. Please carefully consider your options when refinancing federal student loans and consult http://www.studentaid.gov for the most current information_ The views and opinions expressed in this program are those of the speakers and do not necessarily reflect the views or positions of the American Dental Association  ___________  Follow us on Facebook, Instagram, LinkedIn, and TikTok for the latest industry news, member perks and conversations shaping dentistry. https://www.facebook.com/AmericanDentalAssociation/ https://www.instagram.com/americandentalassociation/ https://www.linkedin.com/company/americandentalassociation https://www.tiktok.com/@americandentalassoc ___________    Try ADA today! Join us at https://www.ada.org/join-the-ada Renew your ADA membership at https://www.ada.org/join-the-ada/renew-ada-membership ___________    Subscribe to “Dental Sound Bites” on your favorite podcast app Apple Podcasts: https://podcasts.apple.com/us/podcast/dental-sound-bites/id1643756351 Spotify: https://open.spotify.com/show/5j4cqlu1dgYHBP8pVADbj3?si=9b287cba90a34b8b&nd=1 iHeart: https://www.iheart.com/podcast/263-dental-sound-bites-101789148/?cmp=ios_share&sc=ios_social_share&pr=false&autoplay=true You can also listen on the ADA Member App and enjoy exclusive bonus content https://www.ada.org/ada-member-app