Strategic planning for a surgeon's financial future.
Dr. Torres's $400,000 income was significantly impacted by $180,000 in student loan debt and a desire to maximize his contributions to the local hospital foundation, which he supported through planned giving. He struggled to determine how much discretionary income he actually had available for the practice buy-in and philanthropic endeavors without jeopardizing his financial stability.
Using the Disposable & Discretionary Income Calculator, we meticulously analyzed Dr. Torres's income, expenses, and debt obligations. The calculator revealed that by strategically consolidating his debt and optimizing his tax deductions related to charitable giving, he could free up an additional $4,200 per month in discretionary income. Further, the Student Loan Calculator showed how refinancing could lower his monthly payments by $800, freeing up even more funds.
The Disposable & Discretionary Income Calculator was integrated with Dr. Torres's financial planning software to provide a real-time, updated view of his financial situation. The Student Loan Calculator helped him compare various refinancing options.
$50,400 in additional discretionary income annually, directly contributing to Dr. Torres being able to comfortably afford the buy-in to his surgical practice and increasing his planned giving contributions by 15%.
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