Episode OverviewIn this episode, I welcome Dr. Mart McClellan to discuss practical strategies for building and preserving wealth, with a focus on the unique challenges faced by healthcare professionals. Dr. McClellan shares his journey from orthodontics to financial advising, and together they break down actionable steps for financial success at any career stage. Key Topics & Timestamps00:00 – IntroductionDr. Mike’s mission and the importance of financial literacy03:00 – Meet Dr. Mart McClellanBackground, dual career, and founding Macro Wealth Management07:00 – Why Financial Education MattersThe lack of financial training in professional education12:00 – Dr. McClellan’s Financial JourneyEarly mistakes, learning from mentors, and the value of evidence-based planning20:00 – The Wealth Curve ExplainedWhy early decisions matter and the impact of delayed career starts28:00 – The Power of SavingSavings rate vs. rate of return, setting up a “wealth freedom account,” and automating savings36:00 – Good Debt vs. Bad DebtManaging student loans, mortgages, and emotional responses to debt45:00 – Diversification & Multiple Income StreamsBuilding wealth beyond retirement accounts, real estate, and alternative investments54:00 – The Role of Advisors & TeamworkWhy a team approach is essential for financial planning1:02:00 – Mindset Shifts & Avoiding Common PitfallsOvercoming emotional barriers, the “die with zero” mentality, and legacy planning1:10:00 – Actionable Steps for All AgesStarting early, maximizing old money, and planning for distribution in retirement1:18:00 – Resources, Book Recommendations, and Contact Info“Your Retirement Smile” and how to connect with Dr. McClellan Notable Quotes“The most important factor in wealth building is the ability to save as much money as you can. If you can’t save, it will be almost impossible to achieve financial success regardless of the rate of return earned.” — Dr. Mart McClellan“You only have one wealth curve. There’s no do-overs. Every decision you make in your twenties and thirties may not seem big at the time, but it shapes your financial future.” — Dr. Mart McClellan“It’s not about chasing the highest rate of return; it’s about having a plan, building good habits, and making your money work for you—so you can enjoy your wealth now and in retirement.” — Dr. Mike DeLuke Resources & MentionsBook: Your Retirement Smile: The Treatment Plan for Pay Cut Prevention in Your Golden Years by Dr. Mart McClellanBook: Rich Dad Poor Dad by Robert KiyosakiBook: Smart Couples Finish Rich by David BachBook: The Secret Wealth Advantage (real estate cycles)Macro Wealth Management: macro-wealth.comThe Ortho Coach: theorthocoach.com Connect with Dr. Mart McClellanEmail: [email protected]: macro-wealth.comPhone (text): (847) 363-5502 Connect with Dr. Mike DeLukeEmail: [email protected] Community on Facebook: https://www.facebook.com/share/g/1Cb9rkQVde/ If you enjoyed this episode, please subscribe, leave a review, and share with your colleagues!