Do you want to know a secret? The financial decisions you make in your first 10 years of dentistry will make or break you financially. Your decision on how frugally to live in dental school – is make or break. Your decision on whether to buy a practice – is make or break. Your decision on when to buy that first “dream” house – is make or break. Your decision to pay down loans, or open your 401k – is make or break. “Well, duh.” I can hear you saying, “Everybody knows that.” No, they don’t. Let me show you what I mean.