Title: Maria Garcia's $200,000 Debt Dilemma: Balancing Practice Ownership, Kids' Education, and Retirement Tagline: Charting a course to financial security. Problem: Maria's thriving dental practice brings in $1.2 million annually, but she faces a significant financial squeeze. Two children in private school ($60,000 annually), substantial student loan debt from dental school ($100,000), and a mortgage on her home and the dental practice itself ($100,000 combined) create a constant worry about cash flow. Maria feels overwhelmed by the pressure of balancing immediate needs with long-term financial security and fears she isn't saving enough for retirement. A recent appraisal showed the dental practice is worth $750,000, but Maria lacks a clear exit strategy. Solution: Using Golden Door Asset's PITI calculator, we meticulously analyzed Maria's debt obligations related to her properties (both home and dental practice), helping her understand the breakdown of principal, interest, taxes, and insurance payments. We then leveraged the Student Loan Calculator to explore potential refinancing options and repayment plans, ultimately finding a solution that lowered her monthly student loan payments by $800. A comprehensive financial plan, incorporating a detailed practice valuation and retirement projections, provided Maria with a clear roadmap for achieving her financial goals. We advised on setting up a SEP IRA to maximize tax-advantaged savings and suggested strategies to build additional value in her practice for a future sale. ROI: $12,000 in annual savings from reduced student loan payments, plus increased retirement savings potential due to tax advantages and a clearer understanding of her financial picture. Description: This case study examines how Golden Door Asset helped Maria Garcia, a 45-year-old divorced single mother and dental practice owner, navigate the complexities of managing a successful business while securing her family's future. We address her specific challenges in valuing her practice, funding her children's private school education, and planning for a comfortable retirement, all while managing significant debt. Category: Client Service Calculators: PITI Calculator, Student Loan Calculator, Refinance Calculator