You can optimize your finances in many ways. To reach your goals, there are some things you need to do, but others you should avoid. If you don't want to look back at the end of the year and say, "I wish I would have done that…", this podcast is for you. Join Lauryn Williams, CFP®, CSLP®, and Meagan McGuire, CSLP®, as they talk about how to ditch misconceptions that can mess up your whole year, the right moves to overcome challenges and how to make 2023 your best financial year.

In today's episode, you'll find out:

• Why you should book a consultation even if you don't think you need it
• What is the new Pay As You Earn plan
• Why you might need to enroll in PAYE right now
• Why budgeting isn't the 'big bad B word'
• How to budget your expenses to save more and maximize your paycheck
• When you should never leave a balance on your credit card
• The first line of defense when dealing with or avoiding debt
• How a budget can help you avoid identity theft or credit card fraud
• The biggest mistake people make in 2023
• The importance of estate planning documents
• Why you need life insurance and disability insurance to protect your family and finances
• Why you should add money to your 401(k) even if your employer doesn't match it
• The top retirement and investing mistakes to avoid
• How retirement saving can lower your student loan payments

Link mentioned: Find a doctor mortgage lender

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Do you have a question about student loans? Leave us a voicemail here or email us at [email protected] and we might feature it in an upcoming show!