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In this episode of The Smarter Vet Podcast, financial advisors CJ Burnett and Tom Seeko break down the truth about credit scores—what they really mean, how they’re calculated, and why a high income doesn’t automatically guarantee a great score. They explore the history of credit cards, the key factors that influence credit scores (like payment history and credit utilization), and the practical steps veterinarians can take to improve theirs.

From paying off credit cards weekly to keeping an eye on free annual credit reports, CJ and Tom share smart, actionable strategies to help you manage credit wisely—without obsessing over the numbers. Whether you're looking to buy a home, a car, or simply gain a better understanding of your financial health, this episode is packed with insights to help you make informed decisions. Tune in and take control of your credit with confidence!

Discover our book “Unleashed: The Financial Clarity Every Veterinarian Needs” 

Buy Now:  Book - Unleashed | Florida Veterinary Advisors

Extra resources galore!

Listen to more episodes: https://flveterinaryadvisors.com/smarter-vet-financial-podcast/

Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.
5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/

Find out what you could be overlooking within your practice by taking our brief assessment
Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/

Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.
Schedule a time-https://flveterinaryadvisors.com/contact-us

Check out our social media channels
Facebook-https://facebook.com/flvetadvisors
LinkedIn-https://linkedin.com/company/flvetadvisors

YouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

Send us a text

What are the most Googled financial questions in America? In this episode of the Smarter Vet Financial Podcast, hosts Tom Seeko and CJ Burnett break down the top-searched money topics by state—revealing trends in student loans, mortgages, car loans, and retirement planning. They analyze what these searches say about financial habits, debt culture, and the growing need for financial literacy. Don’t miss this eye-opening discussion that could change the way you think about money.

Discover our book “Unleashed: The Financial Clarity Every Veterinarian Needs” 

Buy Now:  Book - Unleashed | Florida Veterinary Advisors

Extra resources galore!

Listen to more episodes: https://flveterinaryadvisors.com/smarter-vet-financial-podcast/

Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.
5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/

Find out what you could be overlooking within your practice by taking our brief assessment
Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/

Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.
Schedule a time-https://flveterinaryadvisors.com/contact-us

Check out our social media channels
Facebook-https://facebook.com/flvetadvisors
LinkedIn-https://linkedin.com/company/flvetadvisors

YouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

Send us a text

We are thrilled for the release of our new book, Unleashed: The Financial Clarity Every Veterinarian Needs.

You can find a copy of our book on Amazon in paperback and the Kindle app or device. Grab your copy today.
>> Buy a copy now <<

Listen now to the introduction read by co-Author, CJ Burnett.

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Extra resources galore!
Listen to more episodes: https://flveterinaryadvisors.com/smarter-vet-financial-podcast/

Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.
5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/

Find out what you could be overlooking within your practice by taking our brief assessment
Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/

Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.
Schedule a time-https://flveterinaryadvisors.com/contact-us

Check out our social media channels
Facebook-https://facebook.com/flvetadvisors
LinkedIn-https://linkedin.com/company/flvetadvisors

YouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

Send us a text

In this episode of the Smarter Vet Podcast, our co-founder Tom Seeko sits down with Dr. Annie Chavent, DVM, MBA, Assistant Director of Early Career Initiatives at the AVMA and co-host of the My Veterinary Life Podcast. Together, they explore the financial challenges veterinarians face, from navigating financial decisions in vet school to overcoming financial anxiety and managing life transitions. Dr. Chavent shares valuable insights on building confidence, leveraging problem-solving skills for financial success, and accessing resources to support your financial journey.

(Annie Chavent, DVM, MBA | LinkedIn

Take our quick quiz to see how protected you are https://flveterinaryadvisors.com/protected-assessment/

Find our book "Unleashed: The Financial Clarity Every Veterinarian Needs" at https://lnkd.in/ehqujdf8

-----
Extra resources galore!
Listen to more episodes: https://flveterinaryadvisors.com/smarter-vet-financial-podcast/

Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.
5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/

Find out what you could be overlooking within your practice by taking our brief assessment
Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/

Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.
Schedule a time-https://flveterinaryadvisors.com/contact-us

Check out our social media channels
Facebook-https://facebook.com/flvetadvisors
LinkedIn-https://linkedin.com/company/flvetadvisors
YouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

Send us a text

Alright, let's talk about vacations, shall we? It seems like you're ready to dive into planning that much-needed time off. Like we always say, it's so important to take time to unwind, recharge, and make sure you're getting what you truly want from life. In this episode, co-hosts, Tom Seeko and CJ Bernett, emphasize the importance of time off for preventing burnout and offer practical steps for budgeting time and money for vacations, including defining vacation types (famations, workations), considering planning agencies, and allocating a specific percentage of income for yearly vacations.

Buy our book “Unleashed: The Financial Clarity Every Veterinarian Needs” 

—–
Extra resources galore!

Listen to more episodes

Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.

Find out what you could be overlooking within your practice by taking our brief assessment "Test My Personal Financial IQ"

Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.

Check out our social media channels:

Facebook-https://facebook.com/flvetadvisors

LinkedIn-https://linkedin.com/company/flvetadvisors

YouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

Send us a text

We are thrilled for the release of our new book, Unleashed: The Financial Clarity Every Veterinarian Needs.

You can find a copy of our book on Amazon in paperback and the Kindle app or device. Grab your copy today!

>> Buy a copy now <<

Listen now to the Chapter 3 read by co-Author, CJ Burnett.

-----
Extra resources galore!
Listen to more episodes: https://flveterinaryadvisors.com/smarter-vet-financial-podcast/

Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.
5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/

Find out what you could be overlooking within your practice by taking our brief assessment
Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/

Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.
Schedule a time-https://flveterinaryadvisors.com/contact-us

Check out our social media channels
Facebook-https://facebook.com/flvetadvisors
LinkedIn-https://linkedin.com/company/flvetadvisors

YouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

Send us a text

We are thrilled for the release of our new book, Unleashed: The Financial Clarity Every Veterinarian Needs.

You can find a copy of our book on Amazon in paperback and the Kindle app or device. Grab your copy today.

>> Buy a copy now <<

Listen now to a sneak peek of Chapter 1 read by co-Author, Tom Seeko.

-----
Extra resources galore!
Listen to more episodes: https://flveterinaryadvisors.com/smarter-vet-financial-podcast/

Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.
5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/

Find out what you could be overlooking within your practice by taking our brief assessment
Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/

Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.
Schedule a time-https://flveterinaryadvisors.com/contact-us

Check out our social media channels
Facebook-https://facebook.com/flvetadvisors
LinkedIn-https://linkedin.com/company/flvetadvisors
YouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

Send us a text

Like most business owners, veterinary practice owners often depend heavily on the sale of the practice for retirement. There are rare occasions where someone saves up enough assets outside their business to where they could practically give the business away without worrying about their future. As we work with clients, our goal is to help owners depend less on the future sale by building wealth outside their practice. Listen in to learn more about a case where a client had come to us after doing a bunch of the heavy lifting and how we were able to support them get enough income without depending on the practice sale.

Take our quick quiz to see how protected you are https://flveterinaryadvisors.com/protected-assessment/

Find our book "Unleashed: The Financial Clarity Every Veterinarian Needs" at https://lnkd.in/ehqujdf8

-----
Extra resources galore!
Listen to more episodes: https://flveterinaryadvisors.com/smarter-vet-financial-podcast/

Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.
5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/

Find out what you could be overlooking within your practice by taking our brief assessment
Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/

Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.
Schedule a time-https://flveterinaryadvisors.com/contact-us

Check out our social media channels
Facebook-https://facebook.com/flvetadvisors
LinkedIn-https://linkedin.com/company/flvetadvisors
YouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

Send us a text

It’s almost the end of the year and a lot of people are wondering what they should be doing before December 31st to prepare for the taxes that they are going to owe or what amount of tax refund they can expect. There are many different items of conversation that we have with people as we end the year and today we are going to go through a few of the most common so as to help you know what things you should be considering and what conversations you might want to spark with your tax advice professionals.

Take our quick quiz to see how protected you are https://flveterinaryadvisors.com/protected-assessment/

Find our book "Unleashed: The Financial Clarity Every Veterinarian Needs" at https://lnkd.in/ehqujdf8

-----
Extra resources galore!
Listen to more episodes: https://flveterinaryadvisors.com/smarter-vet-financial-podcast/

Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.
5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/

Find out what you could be overlooking within your practice by taking our brief assessment
Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/

Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.
Schedule a time-https://flveterinaryadvisors.com/contact-us

Check out our social media channels
Facebook-https://facebook.com/flvetadvisors
LinkedIn-https://linkedin.com/company/flvetadvisors
YouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

Send us a text

Back in the 7th century BCE coins were introduced to trade for services or goods. Before the introduction of coins people would barter for services by trading time or items. In today’s modern society we have become blinded by how much money we have and truly have forgotten the fundamental purpose… it’s a tool. We often get caught up in the day to day wants and desires such as going on trips or buying the latest technology but often regret our decisions later once the damage is done. Let’s take a moment to talk about how our viewpoints of money can help us thrive, or for others, struggle to survive.

Take our quick quiz to see how protected you are https://flveterinaryadvisors.com/protected-assessment/

Find our book "Unleashed: The Financial Clarity Every Veterinarian Needs" at https://lnkd.in/ehqujdf8

-----
Extra resources galore!
Listen to more episodes: https://flveterinaryadvisors.com/smarter-vet-financial-podcast/

Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.
5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/

Find out what you could be overlooking within your practice by taking our brief assessment
Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/

Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.
Schedule a time-https://flveterinaryadvisors.com/contact-us

Check out our social media channels
Facebook-https://facebook.com/flvetadvisors
LinkedIn-https://linkedin.com/company/flvetadvisors
YouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ