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Your 20s bring a whirlwind of firsts—new job, new income, new decisions—and most vets feel pulled between “pay off debt now” and “start living life.” In this episode, Tom and CJ share a balanced approach: build habits first, right-size your emergency fund, and save while paying loans so you don’t trade a 6% loan for 20% credit card debt later. You’ll hear simple boundaries to prevent lifestyle creep and burnout, plus practical cues for when it’s actually okay to make the big purchase. If you want confidence, not chaos, as you launch your career, start here.

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

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Instagram-https://www.instagram.com/flveterinaryadvisors/
YouTube- https://www.youtube.com/@floridaveterinaryadvisors7665

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In this episode of the Smarter Vet Financial Podcast, CJ Burnett and Tom Seeko dive into the psychology of change—why some people chase it and others avoid it at all costs. From personal habits to financial planning, they explore how meaningful growth often demands stepping outside your comfort zone. You’ll hear insights on overcoming resistance, dealing with lifestyle creep, and making space for the behaviors that lead to lasting success. If you’ve ever struggled with change, this conversation will challenge your mindset and equip you with practical ways to move forward with clarity and confidence.

Smarter Vet Podcast-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

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In this episode of the Smarter Vet Financial Podcast, Tom Seeko interviews Dr. Michelle Drake—veterinarian, author, and long-time practice owner. Dr. Drake shares how she built a mission-driven veterinary practice, the importance of planning and leadership, and why working on your business matters. She also discusses the challenges of staying independent and her transition into speaking and writing to mentor others. Tune in for expert advice on veterinary practice management, leadership, and sustainable growth.

Learn more about Genius Vets and the work they do here and consider purchasing Dr. Drake's book, Veterinary Leadership: A Practical Guide for Practice Owners and Managers here!

Smarter Vet Podcast-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, CJ Burnett and Tom Seeko dive into the often-overlooked emotional and behavioral side of financial planning. From the weight of student loans to the comfort of feeling financially secure, they unpack the different mindsets people have about their futures—and how those perspectives shape real-world outcomes.

They explore how spending and saving habits, tax management, and overall financial awareness can either accelerate or stall your growth. You’ll discover why understanding your “financial camp” is key, and how proactive planning can replace uncertainty with peace of mind.

If you’ve ever wondered how to break free from financial stress and make your money work harder for you, this conversation is packed with insights to help you get there.

🎧 Tune in, rethink your approach, and start building the future you want—today. Have questions? Reach out to us: info@nextstepfinances.com

Smarter Vet Podcast-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 Financial Podcast, CJ Burnett and Tom Seeko dive into a powerful yet often overlooked principle in both veterinary practices and financial planning: make it easy. They unpack how simplifying client interactions, streamlining internal processes, and being mindful of cognitive biases can drastically improve decision-making, satisfaction, and follow-through.

Whether you're scheduling appointments or guiding financial choices, reducing friction is the key to better outcomes. Tune in to learn actionable strategies to create a more welcoming experience, limit overwhelm, and ultimately build stronger, longer-lasting client relationships.

Smarter Vet Podcast-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 Financial Podcast, hosts CJ Burnett and Tom Seeko unpack why even high earners often struggle to save—and what to do about it. After some lighthearted banter, they dive into the psychology behind spending and introduce a powerful solution: the Wealth Coordination Account (WCA).

This simple but strategic system involves routing all income into a separate account before sending a controlled amount to your personal checking. The result? You limit lifestyle creep and start saving with intention.

CJ and Tom explain how this structure helps remove emotion from your financial decisions, keeps your spending in check, and aligns your money with long-term goals. If you’re ready to break free from unproductive habits and take control of your cash flow, this episode is a must-listen.

Need help setting it up? Reach out to our team—we’re here to guide you: info@nextstepfinances.com.

Smarter Vet Podcast-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, CJ Burnett and Tom Seeko break down what business owners need to know about selling their business — from why timing is critical to why age shouldn’t dictate your exit. They challenge traditional views of retirement, highlight the difference between revenue and true profit, and explain how intentional living and solid financial planning can help you achieve independence beyond your business. If you’re thinking about selling or planning for the future, this episode is a must-listen.

Smarter Vet Podcast-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, cohost Tom Seeko sits down with Dr. Link Welborn—veterinarian, entrepreneur, and founder of Veterinary Management Groups (VMG)—to explore the evolving landscape of veterinary practice ownership. They dive into the core traits of successful owners, the ongoing pressures of inflation and client affordability, and the growing role of AI in streamlining operations like medical record-keeping.

To learn more about VMG, visit here. Connect with Dr. Welborn on LinkedIn or via email.

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