Personal Finance for Physical Therapists

APTA Arizona Edition

Intro to Adulting 101

When you finish school, you're ready to start your career as a physical therapist. You've got the clinical skills to land that first job. The first paycheck arrives and you might celebrate with a nice dinner or new clothes. But then reality hits: student loans, car payments, the constant pressure of rent, the distant goal of homeownership, and the confusing world of taxes and investments.

You're also thrust into the administrative demands of practice: charting, scheduling, and billing. Tasks that often leave you feeling unprepared. It can lead to overwhelm and burnout, and you're left wondering how to balance delivering quality care with managing the business side of things.

That was my experience. I felt lost, not just with my finances, but also in navigating the practice management maze. It's why I developed a plan to live the life I want, beyond just trading time for money. A plan that includes both financial mastery and efficient practice management strategies.

Date: November 8th, 2025

Time: 5pm

Audience: APTA Arizona Members

Duration: ~60 to 90mins (including Q & A)

Location: Kylee Austin Clinic Suite # 120

Cost: Free

After this seminar, you should:

• Have a clear understanding of your current financial position by creating a personal budget and a net worth statement.

• Recognize why compound interest is your most powerful tool for building wealth over time.

• Understand the key differences between assets and liabilities and how they impact your financial future.

• Be able to identify your money personality as a spender, saver, or investor, and use that knowledge to your advantage.

• Know how inflation silently erodes your wealth and what strategies you can use to combat it.

Topics will include:

• Budgeting & Net Worth Learn how to create a simple, effective budget and a net worth statement to gain total control of your money and build a clear picture of your financial health.

• The Power of Compounding: Unlock exponential growth by understanding how to put your money to work for you. We’ll cover why starting early and consistently is the most important financial move you can make.

• Assets vs. Liabilities: Break down the difference between assets that build wealth and liabilities that create debt. We’ll show you how to shift your focus from simply earning more to acquiring assets.

• Spenders, Savers, & Investors: Discover your money personality and learn how to leverage your natural tendencies to create a strategic and effective financial plan.

• Battling the Inflation Trap: Learn how to protect your hard-earned money from inflation's silent erosion. We’ll cover actionable strategies to outpace rising costs and secure your long-term wealth.