May 5, 2026
Building Financial Security
<div class="ListContainerWrapper SCXW64522032 BCX0"> <p class="Paragraph SCXW64522032 BCX0"><span class= "TextRun SCXW64522032 BCX0" lang="EN-US" xml:lang="EN-US" data-contrast="none"><span class= "NormalTextRun SCXW64522032 BCX0">It's</span><span class= "NormalTextRun SCXW64522032 BCX0"> the money roadmap you need now to help you build long-term financial security. </span><span class= "NormalTextRun SCXW64522032 BCX0">We're</span><span class= "NormalTextRun SCXW64522032 BCX0"> sharing five money moves you can make today, what you need to know before switching career paths, and the one student loan deadline that you </span><span class= "NormalTextRun SCXW64522032 BCX0">can't</span><span class= "NormalTextRun SCXW64522032 BCX0"> afford to miss.</span></span><span class="EOP SCXW64522032 BCX0" data-ccp-props="{}"> </span></p> <p class="Paragraph SCXW64522032 BCX0"><span class= "EOP SCXW64522032 BCX0" data-ccp-props="{}">For more information, show notes and transcripts visit <a href= "https://www.ada.org/podcast">https://www.ada.org/podcast</a></span></p> </div> <div class="OutlineElement Ltr SCXW64522032 BCX0"> <p class="Paragraph SCXW64522032 BCX0"><strong><span class= "TextRun MacChromeBold SCXW64522032 BCX0" lang="EN-US" xml:lang= "EN-US" data-contrast="none"><span class= "NormalTextRun SCXW64522032 BCX0">Featured </span><span class= "NormalTextRun SCXW64522032 BCX0">Guest</span><span class= "NormalTextRun SCXW64522032 BCX0">s</span><span class= "NormalTextRun SCXW64522032 BCX0">:</span></span><span class= "NormalTextRun SCXW64522032 BCX0"> </span><span class= "EOP Selected SCXW64522032 BCX0" data-ccp-props= "{"335559685":0}"> </span></strong></p> </div> <div class="ListContainerWrapper SCXW64522032 BCX0"> <ul class="BulletListStyle1 SCXW64522032 BCX0" role="list"> <li class="OutlineElement Ltr SCXW64522032 BCX0" role="listitem" aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="40" data-list-defn-props= "{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-aria-posinset="1" data-aria-level="1"> <p class="Paragraph SCXW64522032 BCX0"><span class= "NormalTextRun SCXW64522032 BCX0">Joseph McGrath</span><span class= "EOP Selected SCXW64522032 BCX0" data-ccp-props= "{"134233117":false,"134233118":false,"201341983":0,"335551550":1,"335551620":1,"335559737":0,"335559738":0,"335559739":160,"335559740":279}"> </span></p> </li> </ul> </div> <div class="ListContainerWrapper SCXW64522032 BCX0"> <ul class="BulletListStyle1 SCXW64522032 BCX0" role="list"> <li class="OutlineElement Ltr SCXW64522032 BCX0" role="listitem" aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="40" data-list-defn-props= "{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-aria-posinset="2" data-aria-level="1"> <p class="Paragraph SCXW64522032 BCX0"><span class= "TextRun SCXW64522032 BCX0" lang="EN-US" xml:lang="EN-US" data-contrast="none"><span class= "NormalTextRun SCXW64522032 BCX0">Dani </span><span class= "NormalTextRun SpellingErrorV2Themed SCXW64522032 BCX0">Buschick</span></span><span class="EOP Selected SCXW64522032 BCX0" data-ccp-props= "{"134233117":false,"134233118":false,"201341983":0,"335551550":1,"335551620":1,"335559737":0,"335559738":0,"335559739":160,"335559740":279}"> </span></p> </li> </ul> </div> <div class="ListContainerWrapper SCXW64522032 BCX0"> <ul class="BulletListStyle1 SCXW64522032 BCX0" role="list"> <li class="OutlineElement Ltr SCXW64522032 BCX0" role="listitem" aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="40" data-list-defn-props= "{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-aria-posinset="3" data-aria-level="1"> <p class="Paragraph SCXW64522032 BCX0"><span class= "NormalTextRun SCXW64522032 BCX0">Dr. Michael Jerkins</span><span class="EOP Selected SCXW64522032 BCX0" data-ccp-props= "{"134233117":false,"134233118":false,"201341983":0,"335551550":1,"335551620":1,"335559737":0,"335559738":0,"335559739":160,"335559740":279}"> </span></p> </li> </ul> <div class="SCXW108584348 BCX0"> <div class="OutlineElement Ltr SCXW108584348 BCX0"> <p class="Paragraph SCXW108584348 BCX0"><strong><span class= "NormalTextRun SCXW108584348 BCX0">Show Notes</span><span class= "EOP Selected SCXW108584348 BCX0" data-ccp-props= "{"335559739":360}"> </span></strong></p> </div> <div class="ListContainerWrapper SCXW108584348 BCX0"> <ul class="BulletListStyle1 SCXW108584348 BCX0" role="list"> <li class="OutlineElement Ltr SCXW108584348 BCX0" role="listitem" aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="14" data-list-defn-props= "{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-aria-posinset="1" data-aria-level="1"> <p class="Paragraph SCXW108584348 BCX0"><span class= "TextRun SCXW108584348 BCX0" lang="EN-US" xml:lang="EN-US" data-contrast="auto"><span class= "NormalTextRun SCXW108584348 BCX0">In this episode, </span><span class= "NormalTextRun SCXW108584348 BCX0">we explore practical ways to take control of your finances and plan for long-term </span><span class= "NormalTextRun SCXW108584348 BCX0">financial security</span><span class= "NormalTextRun SCXW108584348 BCX0">. </span><span class= "NormalTextRun SCXW108584348 BCX0">We're</span><span class= "NormalTextRun SCXW108584348 BCX0"> talking about student loans, </span><span class= "NormalTextRun SCXW108584348 BCX0">what to know when </span><span class= "NormalTextRun SCXW108584348 BCX0">switching careers, and </span><span class="NormalTextRun SCXW108584348 BCX0">the five money moves you can make right now. </span></span><span class= "EOP Selected SCXW108584348 BCX0" data-ccp-props= "{"134233117":false,"134233118":false,"201341983":0,"335559738":0,"335559739":160,"335559740":279}"> </span></p> </li> </ul> </div> <div class="ListContainerWrapper SCXW108584348 BCX0"> <ul class="BulletListStyle1 SCXW108584348 BCX0" role="list"> <li class="OutlineElement Ltr SCXW108584348 BCX0" role="listitem" aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="14" data-list-defn-props= "{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-aria-posinset="2" data-aria-level="1"> <p class="Paragraph SCXW108584348 BCX0"><span class= "TextRun SCXW108584348 BCX0" lang="EN-US" xml:lang="EN-US" data-contrast="auto"><span class= "NormalTextRun SCXW108584348 BCX0">To help explain what everyone needs to know about student loans, we asked our friend Joseph McGrath from KeyBank to walk us through </span><span class= "NormalTextRun SCXW108584348 BCX0">new details</span><span class= "NormalTextRun SCXW108584348 BCX0">, dates, and updates.</span></span><span class="EOP Selected SCXW108584348 BCX0" data-ccp-props= "{"134233117":false,"134233118":false,"201341983":0,"335559738":0,"335559739":160,"335559740":279}"> </span></p> </li> </ul> </div> <div class="ListContainerWrapper SCXW108584348 BCX0"> <ul class="BulletListStyle1 SCXW108584348 BCX0" role="list"> <li class="OutlineElement Ltr SCXW108584348 BCX0" role="listitem" aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="14" data-list-defn-props= "{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-aria-posinset="3" data-aria-level="1"> <p class="Paragraph SCXW108584348 BCX0"><span class= "NormalTextRun SCXW108584348 BCX0">Mr. McGrath shares that big student loan changes are coming, and that July 1, 2026, is the key date to know. He explains that some programs are being phased out, and that federal repayment options may narrow significantly.</span><span class="EOP Selected SCXW108584348 BCX0" data-ccp-props= "{"134233117":false,"134233118":false,"335559737":0,"335559738":0,"335559739":0}"> </span></p> </li> </ul> </div> <div class="ListContainerWrapper SCXW108584348 BCX0"> <ul class="BulletListStyle1 SCXW108584348 BCX0" role="list"> <li class="OutlineElement Ltr SCXW108584348 BCX0" role="listitem" aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="14" data-list-defn-props= "{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-aria-posinset="4" data-aria-level="1"> <p class="Paragraph SCXW108584348 BCX0"><span class= "TextRun SCXW108584348 BCX0" lang="EN-US" xml:lang="EN-US" data-contrast="auto"><span class= "NormalTextRun SCXW108584348 BCX0">Big changes</span><span class= "NormalTextRun SCXW108584348 BCX0"> are underway for income-driven repayment as well, </span><span class= "NormalTextRun SCXW108584348 BCX0">impacting</span><span class= "NormalTextRun SCXW108584348 BCX0"> both dentists and residents</span><span class= "NormalTextRun SCXW108584348 BCX0">. </span><span class= "NormalTextRun SCXW108584348 BCX0">With new federal loan caps and fewer repayment options, Mr. McGrath underscores the importance of borrowers understanding their loan structure, exploring available options, and seeking professional guidance to navigate the changes.</span></span><span class="EOP SCXW108584348 BCX0" data-ccp-props= "{"134233117":false,"134233118":false,"335559737":0,"335559738":0,"335559739":0}"> </span></p> </li> </ul> </div> <div class="ListContainerWrapper SCXW108584348 BCX0"> <ul class="BulletListStyle1 SCXW108584348 BCX0" role="list"> <li class="OutlineElement Ltr SCXW108584348 BCX0" role="listitem" aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="14" data-list-defn-props= "{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-aria-posinset="5" data-aria-level="1"> <p class="Paragraph SCXW108584348 BCX0"><span class= "TextRun SCXW108584348 BCX0" lang="EN-US" xml:lang="EN-US" data-contrast="none"><span class= "NormalTextRun SCXW108584348 BCX0">Dani </span><span class= "NormalTextRun SpellingErrorV2Themed SCXW108584348 BCX0">Buschick</span><span class="NormalTextRun SCXW108584348 BCX0">,</span></span><span class="TextRun SCXW108584348 BCX0" lang="EN-US" xml:lang="EN-US" data-contrast="none"><span class= "NormalTextRun SCXW108584348 BCX0"> </span><span class= "NormalTextRun SCXW108584348 BCX0">f</span><span class= "NormalTextRun SCXW108584348 BCX0">inancial </span><span class="NormalTextRun SCXW108584348 BCX0">w</span><span class="NormalTextRun SCXW108584348 BCX0">ellness </span><span class="NormalTextRun SCXW108584348 BCX0">coach,</span><span class="NormalTextRun SCXW108584348 BCX0"> and host of the podcast </span></span><span class= "TextRun SCXW108584348 BCX0" lang="EN-US" xml:lang="EN-US" data-contrast="none"><span class= "NormalTextRun SCXW108584348 BCX0">Life. Money. </span><span class= "NormalTextRun SCXW108584348 BCX0">You.</span></span><span class= "TextRun SCXW108584348 BCX0" lang="EN-US" xml:lang="EN-US" data-contrast="none"><span class= "NormalTextRun SCXW108584348 BCX0"> </span><span class= "NormalTextRun ContextualSpellingAndGrammarErrorV2Themed SCXW108584348 BCX0">joins</span><span class="NormalTextRun SCXW108584348 BCX0"> </span><span class="NormalTextRun SCXW108584348 BCX0">us to </span><span class="NormalTextRun SCXW108584348 BCX0">break down </span><span class="NormalTextRun SCXW108584348 BCX0">the five </span><span class= "NormalTextRun SCXW108584348 BCX0">numbers every</span><span class= "NormalTextRun SCXW108584348 BCX0"> dentist</span><span class= "NormalTextRun SCXW108584348 BCX0"> should know</span><span class= "NormalTextRun SCXW108584348 BCX0"> </span><span class= "NormalTextRun SCXW108584348 BCX0">to</span><span class= "NormalTextRun SCXW108584348 BCX0"> </span><span class= "NormalTextRun SCXW108584348 BCX0">take control of </span><span class="NormalTextRun SCXW108584348 BCX0">their financial well-being. </span></span><span class= "EOP Selected SCXW108584348 BCX0" data-ccp-props= "{"134233117":false,"134233118":false,"201341983":0,"335559738":0,"335559739":160,"335559740":279}"> </span></p> </li> </ul> </div> <div class="ListContainerWrapper SCXW108584348 BCX0"> <ul class="BulletListStyle1 SCXW108584348 BCX0" role="list"> <li class="OutlineElement Ltr SCXW108584348 BCX0" role="listitem" aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="14" data-list-defn-props= "{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-aria-posinset="6" data-aria-level="1"> <p class="Paragraph SCXW108584348 BCX0"><span class= "TextRun SCXW108584348 BCX0" lang="EN-US" xml:lang="EN-US" data-contrast="none"><span class= "NormalTextRun SCXW108584348 BCX0">Ms. </span><span class= "NormalTextRun SCXW108584348 BCX0">Buschick</span><span class= "NormalTextRun SCXW108584348 BCX0"> </span><span class= "NormalTextRun SCXW108584348 BCX0">offers actionable</span><span class= "NormalTextRun SCXW108584348 BCX0"> tips and </span><span class="NormalTextRun SCXW108584348 BCX0">an easy</span><span class= "NormalTextRun SCXW108584348 BCX0">-to-follow</span><span class= "NormalTextRun SCXW108584348 BCX0"> </span><span class= "NormalTextRun SCXW108584348 BCX0">framework </span><span class="NormalTextRun SCXW108584348 BCX0">for </span><span class="NormalTextRun SCXW108584348 BCX0">creat</span><span class="NormalTextRun SCXW108584348 BCX0">ing</span><span class="NormalTextRun SCXW108584348 BCX0"> spending plans</span><span class="NormalTextRun SCXW108584348 BCX0">, automat</span><span class= "NormalTextRun SCXW108584348 BCX0">ing</span><span class= "NormalTextRun SCXW108584348 BCX0"> savings, and </span><span class= "NormalTextRun SCXW108584348 BCX0">building lasting</span><span class= "NormalTextRun SCXW108584348 BCX0"> financial stability.</span></span><span class= "EOP Selected SCXW108584348 BCX0" data-ccp-props= "{"134233117":false,"134233118":false,"201341983":0,"335559738":0,"335559739":160,"335559740":279}"> </span></p> </li> </ul> </div> </div> <div class="SCXW108584348 BCX0"> <div class="ListContainerWrapper SCXW108584348 BCX0"> <ul class="BulletListStyle1 SCXW108584348 BCX0" role="list"> <li class="OutlineElement Ltr SCXW108584348 BCX0" role="listitem" aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="14" data-list-defn-props= "{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-aria-posinset="7" data-aria-level="1"> <p class="Paragraph SCXW108584348 BCX0"><span class= "TextRun SCXW108584348 BCX0" lang="EN-US" xml:lang="EN-US" data-contrast="none"><span class= "NormalTextRun SCXW108584348 BCX0">Small actions can create </span><span class= "NormalTextRun ContextualSpellingAndGrammarErrorV2Themed SCXW108584348 BCX0">big</span><span class="NormalTextRun SCXW108584348 BCX0"> impact</span><span class="NormalTextRun SCXW108584348 BCX0">. </span><span class="NormalTextRun SCXW108584348 BCX0">Ms. </span><span class="NormalTextRun SpellingErrorV2Themed SCXW108584348 BCX0">Buschick</span><span class="NormalTextRun SCXW108584348 BCX0"> </span><span class="NormalTextRun SCXW108584348 BCX0">emphasizes the importance of</span><span class= "NormalTextRun SCXW108584348 BCX0"> </span><span class= "NormalTextRun SCXW108584348 BCX0">understanding</span><span class= "NormalTextRun SCXW108584348 BCX0"> your debt, </span><span class= "NormalTextRun SCXW108584348 BCX0">build</span><span class= "NormalTextRun SCXW108584348 BCX0">ing an emergency fund, protecting your credit, automating savings, </span><span class="NormalTextRun SCXW108584348 BCX0">and </span><span class="NormalTextRun SCXW108584348 BCX0">using</span><span class="NormalTextRun SCXW108584348 BCX0"> </span><span class="NormalTextRun SCXW108584348 BCX0">availabl</span><span class="NormalTextRun SCXW108584348 BCX0">e resources available, like </span><span class= "NormalTextRun SCXW108584348 BCX0">free </span><span class= "NormalTextRun SCXW108584348 BCX0">financial coaching, to </span><span class= "NormalTextRun SCXW108584348 BCX0">create</span><span class= "NormalTextRun SCXW108584348 BCX0"> sustainable habits and personalized </span><span class= "NormalTextRun SCXW108584348 BCX0">financial </span><span class="NormalTextRun SCXW108584348 BCX0">plans.</span></span><span class="EOP Selected SCXW108584348 BCX0" data-ccp-props= "{"134233117":false,"134233118":false,"201341983":0,"335559738":0,"335559739":160,"335559740":279}"> </span></p> </li> </ul> </div> <div class="ListContainerWrapper SCXW108584348 BCX0"> <ul class="BulletListStyle1 SCXW108584348 BCX0" role="list"> <li class="OutlineElement Ltr SCXW108584348 BCX0" role="listitem" aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="14" data-list-defn-props= "{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-aria-posinset="8" data-aria-level="1"> <p class="Paragraph SCXW108584348 BCX0"><span class= "TextRun SCXW108584348 BCX0" lang="EN-US" xml:lang="EN-US" data-contrast="none"><span class= "NormalTextRun SCXW108584348 BCX0">Our next guest, Dr. Michael Jerkins, joins us to talk about how to navigate career transitions</span><span class= "NormalTextRun SCXW108584348 BCX0">.</span><span class= "NormalTextRun SCXW108584348 BCX0"> </span><span class= "NormalTextRun SCXW108584348 BCX0">Dr. Jerkins </span><span class= "NormalTextRun SCXW108584348 BCX0">is the President and Co-founder of Panacea Financial and is also a practicing physician in Little Rock, AR.</span></span><span class= "EOP Selected SCXW108584348 BCX0" data-ccp-props= "{"134233117":false,"134233118":false,"201341983":0,"335559738":0,"335559739":160,"335559740":279}"> </span></p> </li> </ul> </div> <div class="ListContainerWrapper SCXW108584348 BCX0"> <ul class="BulletListStyle1 SCXW108584348 BCX0" role="list"> <li class="OutlineElement Ltr SCXW108584348 BCX0" role="listitem" aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="14" data-list-defn-props= "{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-aria-posinset="9" data-aria-level="1"> <p class="Paragraph SCXW108584348 BCX0"><span class= "TextRun SCXW108584348 BCX0" lang="EN-US" xml:lang="EN-US" data-contrast="none"><span class= "NormalTextRun SCXW108584348 BCX0">Dr. Jerkins </span><span class= "NormalTextRun SCXW108584348 BCX0">explores </span><span class="NormalTextRun SCXW108584348 BCX0">the</span><span class="NormalTextRun SCXW108584348 BCX0"> transition</span><span class="NormalTextRun SCXW108584348 BCX0"> </span><span class="NormalTextRun SCXW108584348 BCX0">between</span><span class="NormalTextRun SCXW108584348 BCX0"> employee </span><span class="NormalTextRun SCXW108584348 BCX0">and practice</span><span class= "NormalTextRun SCXW108584348 BCX0"> owner</span><span class= "NormalTextRun SCXW108584348 BCX0"> roles and</span><span class= "NormalTextRun SCXW108584348 BCX0"> </span><span class= "NormalTextRun SCXW108584348 BCX0">highlights </span><span class="NormalTextRun SCXW108584348 BCX0">the financial and personal co</span><span class= "NormalTextRun SCXW108584348 BCX0">nsiderations</span><span class= "NormalTextRun SCXW108584348 BCX0"> involved in these career shifts.</span></span><span class="EOP Selected SCXW108584348 BCX0" data-ccp-props= "{"134233117":false,"134233118":false,"201341983":0,"335559738":0,"335559739":160,"335559740":279}"> </span></p> </li> </ul> </div> <div class="ListContainerWrapper SCXW108584348 BCX0"> <ul class="BulletListStyle1 SCXW108584348 BCX0" role="list"> <li class="OutlineElement Ltr SCXW108584348 BCX0" role="listitem" aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="14" data-list-defn-props= "{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-aria-posinset="10" data-aria-level="1"> <p class="Paragraph SCXW108584348 BCX0"><span class= "TextRun SCXW108584348 BCX0" lang="EN-US" xml:lang="EN-US" data-contrast="none"><span class= "NormalTextRun SCXW108584348 BCX0">To prepare for these </span><span class= "NormalTextRun SCXW108584348 BCX0">career transitions</span><span class="NormalTextRun SCXW108584348 BCX0">, Dr. Jerkins </span><span class= "NormalTextRun SCXW108584348 BCX0">emphasizes</span><span class= "NormalTextRun SCXW108584348 BCX0"> </span><span class= "NormalTextRun SCXW108584348 BCX0">the</span><span class= "NormalTextRun SCXW108584348 BCX0"> importan</span><span class="NormalTextRun SCXW108584348 BCX0">ce</span><span class="NormalTextRun SCXW108584348 BCX0"> </span><span class="NormalTextRun SCXW108584348 BCX0">of </span><span class="NormalTextRun SCXW108584348 BCX0">building</span><span class="NormalTextRun SCXW108584348 BCX0"> </span><span class="NormalTextRun SCXW108584348 BCX0">a trusted advisory team, </span><span class= "NormalTextRun SCXW108584348 BCX0">assessing</span><span class= "NormalTextRun SCXW108584348 BCX0"> </span><span class= "NormalTextRun SCXW108584348 BCX0">your </span><span class= "NormalTextRun SCXW108584348 BCX0">financial readiness, and </span><span class= "NormalTextRun SCXW108584348 BCX0">developing</span><span class= "NormalTextRun SCXW108584348 BCX0"> a clear plan.</span></span> <span class= "LineBreakBlob BlobObject DragDrop SCXW108584348 BCX0"><span class= "SCXW108584348 BCX0"> </span><br class= "SCXW108584348 BCX0" /></span><span class= "NormalTextRun SCXW108584348 BCX0"> </span><span class= "EOP Selected SCXW108584348 BCX0" data-ccp-props= "{"134233117":false,"134233118":false,"201341983":0,"335559685":0,"335559738":0,"335559739":160,"335559740":279}"> </span></p> </li> </ul> </div> <div class="OutlineElement Ltr SCXW108584348 BCX0"> <p class="Paragraph SCXW108584348 BCX0"><strong><span class= "NormalTextRun SCXW108584348 BCX0">Resources</span><span class= "EOP Selected SCXW108584348 BCX0" data-ccp-props= "{}"> </span></strong></p> </div> <div class="ListContainerWrapper SCXW108584348 BCX0"> <ul class="BulletListStyle1 SCXW108584348 BCX0" role="list"> <li class="OutlineElement Ltr SCXW108584348 BCX0" role="listitem" aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="15" data-list-defn-props= "{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-aria-posinset="1" data-aria-level="1"> <p class="Paragraph SCXW108584348 BCX0"><span class= "TextRun SCXW108584348 BCX0" lang="EN-US" xml:lang="EN-US" data-contrast="auto"><span class= "NormalTextRun SCXW108584348 BCX0">Read an ADA News story about</span><span class= "NormalTextRun SCXW108584348 BCX0"> </span></span><a class= "Hyperlink SCXW108584348 BCX0" href= "https://adanews.ada.org/ada-news/2025/august/one-big-beautiful-bills-impact-on-student-loans/?_gl=1*xaz86z*_gcl_aw*R0NMLjE3NzU2MDEzNzMuQ2p3S0NBancxdExPQmhBTUVpd0FpUGtSSHFsWHBhcC1mODByNmZ2anRwY1lkaTJyMlFpbV94WUFQdnFmRDIzMU1adTZnQUZRWVBLc0RSb0N1YnNRQXZEX0J3RQ..*_gcl_au*NzQ5NTMzMDQ5LjE3NzA5MDQyODA.*_ga*Njc5ODkyODc1LjE3NjMwNzE1MjU.*_ga_X8X57NRJ4D*czE3Nzc1NzkwNzgkbzEzOSRnMSR0MTc3NzU3OTA4OSRqNDkkbDAkaDA.*_ga_NVSBFQCBYE*czE3Nzc1NzkwNzgkbzEzOSRnMSR0MTc3NzU3OTA4OSRqNDkkbDAkaDA.*_ga_JDE0LTHGWL*czE3Nzc1NzkwNzgkbzEzOSRnMSR0MTc3NzU3OTA5MCRqNDgkbDAkaDA." target="_blank" rel="noreferrer noopener"><span class= "NormalTextRun SCXW108584348 BCX0" data-ccp-charstyle= "Hyperlink">how the One Big Beautiful Bill impacts student loans</span></a><span class= "NormalTextRun SCXW108584348 BCX0">.</span><span class= "EOP Selected SCXW108584348 BCX0" data-ccp-props= "{"134233117":false,"134233118":false,"335551550":1,"335551620":1,"335557856":16777215,"335559738":0,"335559739":0}"> </span></p> </li> </ul> </div> <div class="ListContainerWrapper SCXW108584348 BCX0"> <ul class="BulletListStyle1 SCXW108584348 BCX0" role="list"> <li class="OutlineElement Ltr SCXW108584348 BCX0" role="listitem" aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="15" data-list-defn-props= "{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-aria-posinset="2" data-aria-level="1"> <p class="Paragraph SCXW108584348 BCX0"><span class= "NormalTextRun SCXW108584348 BCX0">Learn more about ADA Member Advantage partner </span><a class= "Hyperlink SCXW108584348 BCX0" href= "https://www.adamemberadvantage.com/endorsed-programs/student-loan-refinancing" target="_blank" rel="noreferrer noopener"><span class= "NormalTextRun SCXW108584348 BCX0" data-ccp-charstyle= "Hyperlink">KeyBank</span></a><span class= "NormalTextRun SCXW108584348 BCX0">.</span><span class= "EOP Selected SCXW108584348 BCX0" data-ccp-props= "{"134233117":false,"134233118":false,"335551550":1,"335551620":1,"335557856":16777215,"335559738":0,"335559739":0}"> </span></p> </li> </ul> </div> <div class="ListContainerWrapper SCXW108584348 BCX0"> <ul class="BulletListStyle1 SCXW108584348 BCX0" role="list"> <li class="OutlineElement Ltr SCXW108584348 BCX0" role="listitem" aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="15" data-list-defn-props= "{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-aria-posinset="3" data-aria-level="1"> <p class="Paragraph SCXW108584348 BCX0"><span class= "TextRun SCXW108584348 BCX0" lang="EN-US" xml:lang="EN-US" data-contrast="auto"><span class= "NormalTextRun SCXW108584348 BCX0">ADA Credit Union</span><span class="NormalTextRun SCXW108584348 BCX0"> is tailored for ADA member dentists, their teams and everyone's extended families— offering exclusive financial products and personalized coaching that support your goals through every life stage. Visit </span></span><a class= "Hyperlink SCXW108584348 BCX0" href="https://www.adacu.org/" target="_blank" rel="noreferrer noopener"><span class= "NormalTextRun SCXW108584348 BCX0" data-ccp-charstyle= "Hyperlink">ADACU.org</span></a><span class= "NormalTextRun SCXW108584348 BCX0"> to learn more.</span><span class="EOP Selected SCXW108584348 BCX0" data-ccp-props= "{"134233117":false,"134233118":false,"335551550":1,"335551620":1,"335557856":16777215,"335559738":0,"335559739":0}"> </span></p> </li> </ul> </div> <div class="ListContainerWrapper SCXW108584348 BCX0"> <ul class="BulletListStyle1 SCXW108584348 BCX0" role="list"> <li class="OutlineElement Ltr SCXW108584348 BCX0" role="listitem" aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="15" data-list-defn-props= "{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-aria-posinset="4" data-aria-level="1"> <p class="Paragraph SCXW108584348 BCX0"><span class= "TextRun SCXW108584348 BCX0" lang="EN-US" xml:lang="EN-US" data-contrast="none"><span class= "NormalTextRun SCXW108584348 BCX0">Check out the latest episode of </span><span class= "NormalTextRun SCXW108584348 BCX0">the </span></span><a class= "Hyperlink SCXW108584348 BCX0" href= "https://www.lifemoneyyou.com/better-money-moves/podcast" target= "_blank" rel="noreferrer noopener"><span class= "TextRun Underlined SCXW108584348 BCX0" lang="EN-US" xml:lang= "EN-US" data-contrast="none"><span class= "NormalTextRun SCXW108584348 BCX0" data-ccp-charstyle= "Hyperlink">Life</span><span class= "NormalTextRun SCXW108584348 BCX0" data-ccp-charstyle= "Hyperlink">. </span><span class= "NormalTextRun SCXW108584348 BCX0" data-ccp-charstyle= "Hyperlink">Money</span><span class= "NormalTextRun SCXW108584348 BCX0" data-ccp-charstyle= "Hyperlink">. </span><span class= "NormalTextRun SCXW108584348 BCX0" data-ccp-charstyle= "Hyperlink">You</span><span class= "NormalTextRun SCXW108584348 BCX0" data-ccp-charstyle="Hyperlink">. Podcast.</span></span></a><span class= "NormalTextRun SCXW108584348 BCX0"> </span><span class= "EOP Selected SCXW108584348 BCX0" data-ccp-props= "{"134233117":false,"134233118":false,"335551550":1,"335551620":1,"335557856":16777215,"335559738":0,"335559739":0}"> </span></p> </li> </ul> </div> <div class="ListContainerWrapper SCXW108584348 BCX0"> <ul class="BulletListStyle1 SCXW108584348 BCX0" role="list"> <li class="OutlineElement Ltr SCXW108584348 BCX0" role="listitem" aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="15" data-list-defn-props= "{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-aria-posinset="5" data-aria-level="1"> <p class="Paragraph SCXW108584348 BCX0"><span class= "TextRun SCXW108584348 BCX0" lang="EN-US" xml:lang="EN-US" data-contrast="none"><span class= "NormalTextRun SCXW108584348 BCX0">Read</span><span class= "NormalTextRun SCXW108584348 BCX0"> more about </span></span><a class="Hyperlink SCXW108584348 BCX0" href= "https://www.adamemberadvantage.com/endorsed-programs/practice-financing" target="_blank" rel="noreferrer noopener"><span class= "NormalTextRun SCXW108584348 BCX0" data-ccp-charstyle= "Hyperlink">Panacea Financial</span></a><span class= "NormalTextRun SCXW108584348 BCX0"> and the savings for ADA members.</span><span class="EOP Selected SCXW108584348 BCX0" data-ccp-props= "{"134233117":false,"134233118":false,"335551550":1,"335551620":1,"335557856":16777215,"335559738":0,"335559739":0}"> </span></p> </li> </ul> </div> <div class="ListContainerWrapper SCXW108584348 BCX0"> <ul class="BulletListStyle1 SCXW108584348 BCX0" role="list"> <li class="OutlineElement Ltr SCXW108584348 BCX0" role="listitem" aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="15" data-list-defn-props= "{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-aria-posinset="6" data-aria-level="1"> <p class="Paragraph SCXW108584348 BCX0"><span class= "TextRun SCXW108584348 BCX0" lang="EN-US" xml:lang="EN-US" data-contrast="auto"><span class= "NormalTextRun SCXW108584348 BCX0">Keep </span><span class= "NormalTextRun SCXW108584348 BCX0">learning</span><span class= "NormalTextRun SCXW108584348 BCX0">!</span><span class= "NormalTextRun SCXW108584348 BCX0"> </span></span><a class= "Hyperlink SCXW108584348 BCX0" href= "https://www.ada.org/publications/dental-sound-bites/season-6/smart-finances-for-dentists-s6e07" target="_blank" rel="noreferrer noopener"><span class= "NormalTextRun SCXW108584348 BCX0" data-ccp-charstyle= "Hyperlink">Watch another episode</span></a><span class= "TextRun SCXW108584348 BCX0" lang="EN-US" xml:lang="EN-US" data-contrast="auto"><span class= "NormalTextRun SCXW108584348 BCX0"> on </span><span class="NormalTextRun SCXW108584348 BCX0">smart finances for dentists.</span></span><span class= "EOP Selected SCXW108584348 BCX0" data-ccp-props= "{"134233117":false,"134233118":false,"201341983":0,"335551550":1,"335551620":1,"335557856":16777215,"335559685":720,"335559737":0,"335559738":0,"335559739":0,"335559740":279,"335559991":360}"> </span></p> </li> </ul> </div> <div class="ListContainerWrapper SCXW108584348 BCX0"> <ul class="BulletListStyle1 SCXW108584348 BCX0" role="list"> <li class="OutlineElement Ltr SCXW108584348 BCX0" role="listitem" aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="15" data-list-defn-props= "{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-aria-posinset="7" data-aria-level="1"> <p class="Paragraph SCXW108584348 BCX0"><span class= "NormalTextRun SCXW108584348 BCX0">Not an ADA member yet? Join the ADA to get access to these resources and more. Visit </span><a class="Hyperlink SCXW108584348 BCX0" href= "https://www.ada.org/join-the-ada" target="_blank" rel= "noreferrer noopener"><span class= "NormalTextRun SCXW108584348 BCX0" data-ccp-charstyle= "Hyperlink">ADA.org/join</span></a><span class= "NormalTextRun SCXW108584348 BCX0"> to get started.</span><span class="EOP Selected SCXW108584348 BCX0" data-ccp-props= "{"134233117":false,"134233118":false,"335551550":1,"335551620":1,"335557856":16777215,"335559738":0,"335559739":0}"> </span></p> </li> </ul> </div> <div class="ListContainerWrapper SCXW108584348 BCX0"> <ul class="BulletListStyle1 SCXW108584348 BCX0" role="list"> <li class="OutlineElement Ltr SCXW108584348 BCX0" role="listitem" aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="15" data-list-defn-props= "{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-aria-posinset="8" data-aria-level="1"> <p class="Paragraph SCXW108584348 BCX0"><span class= "NormalTextRun SCXW108584348 BCX0">Connect with us through ADA on social media! Follow us on </span><a class= "Hyperlink SCXW108584348 BCX0" href= "https://www.facebook.com/AmericanDentalAssociation" target= "_blank" rel="noreferrer noopener"><span class= "NormalTextRun SCXW108584348 BCX0" data-ccp-charstyle= "Hyperlink">Facebook</span></a><span class= "NormalTextRun SCXW108584348 BCX0">, </span><a class= "Hyperlink SCXW108584348 BCX0" href= "https://www.instagram.com/americandentalassociation/" target= "_blank" rel="noreferrer noopener"><span class= "NormalTextRun SCXW108584348 BCX0" data-ccp-charstyle= "Hyperlink">Instagram</span></a><span class= "NormalTextRun SCXW108584348 BCX0">, </span><a class= "Hyperlink SCXW108584348 BCX0" href= "https://www.linkedin.com/company/american-dental-association/" target="_blank" rel="noreferrer noopener"><span class= "NormalTextRun SCXW108584348 BCX0" data-ccp-charstyle= "Hyperlink">LinkedIn</span></a><span class= "NormalTextRun SCXW108584348 BCX0">, and </span><a class= "Hyperlink SCXW108584348 BCX0" href= "https://www.tiktok.com/@americandentalassoc" target="_blank" rel= "noreferrer noopener"><span class= "NormalTextRun SCXW108584348 BCX0" data-ccp-charstyle= "Hyperlink">TikTok</span></a><span class= "NormalTextRun SCXW108584348 BCX0">.</span><span class= "EOP Selected SCXW108584348 BCX0" data-ccp-props= "{"134233117":false,"134233118":false,"335551550":1,"335551620":1,"335557856":16777215,"335559738":0,"335559739":0}"> </span></p> </li> </ul> </div> <div class="OutlineElement Ltr SCXW108584348 BCX0"> <p class="Paragraph SCXW108584348 BCX0"> </p> <p class="Paragraph SCXW108584348 BCX0"><strong><span class= "NormalTextRun SCXW108584348 BCX0">Disclosures</span><span class= "EOP Selected SCXW108584348 BCX0" data-ccp-props= "{"134233117":false,"134233118":false,"335551550":1,"335551620":1,"335557856":16777215,"335559738":0,"335559739":0}"> </span></strong></p> </div> <div class="ListContainerWrapper SCXW108584348 BCX0"> <ul class="BulletListStyle1 SCXW108584348 BCX0" role="list"> <li class="OutlineElement Ltr SCXW108584348 BCX0" role="listitem" aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="15" data-list-defn-props= "{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-aria-posinset="9" data-aria-level="1"> <p class="Paragraph SCXW108584348 BCX0"><span class= "TextRun SCXW108584348 BCX0" lang="EN-US" xml:lang="EN-US" data-contrast="none"><span class= "NormalTextRun SCXW108584348 BCX0">This podcast is produced for information purposes only and is not an offer or solicitation of any product. KeyBank and its affiliates are not providing any financial, economic, legal, accounting or tax advice or recommendations in this podcast. The information contained in this recording may not be current, and KeyBank has no obligation to provide any updates or changes. </span><span class= "NormalTextRun SCXW108584348 BCX0">Neither KeyBank nor any of its affiliates makes any representation or warranty, of any kind, as to the accuracy or completeness of the information in this podcast and expressly </span><span class= "NormalTextRun SCXW108584348 BCX0">disclaims</span><span class= "NormalTextRun SCXW108584348 BCX0"> </span><span class= "NormalTextRun AdvancedProofingIssueV2Themed SCXW108584348 BCX0">any and all</span><span class= "NormalTextRun SCXW108584348 BCX0"> liabilities around such.</span><span class= "NormalTextRun SCXW108584348 BCX0"> </span></span><a class= "Hyperlink SCXW108584348 BCX0" href= "https://doctors.key.com/partnerships/ada/" target="_blank" rel= "noreferrer noopener"><span class= "NormalTextRun SCXW108584348 BCX0" data-ccp-charstyle= "Hyperlink">Key.com/ADA</span></a><span class= "EOP Selected SCXW108584348 BCX0" data-ccp-props= "{"134233117":false,"134233118":false,"335551550":1,"335551620":1,"335557856":16777215,"335559738":0,"335559739":0}"> </span></p> </li> </ul> </div> <div class="ListContainerWrapper SCXW108584348 BCX0"> <ul class="BulletListStyle1 SCXW108584348 BCX0" role="list"> <li class="OutlineElement Ltr SCXW108584348 BCX0" role="listitem" aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="15" data-list-defn-props= "{"335552541":1,"335559685":720,"335559991":360,"469769226":"Symbol","469769242":[8226],"469777803":"left","469777804":"","469777815":"hybridMultilevel"}" data-aria-posinset="10" data-aria-level="1"> <p class="Paragraph SCXW108584348 BCX0"><span class= "NormalTextRun SCXW108584348 BCX0">IMPORTANT INFORMATION: Please note that if you refinance qualifying federal student loans, you will no longer be eligible for certain federal benefits or programs and waive your right to future benefits or programs offered on those loans, which may include, but are not limited to, Public Service Loan Forgiveness, Income-Driven Repayment plans, forbearance, or certain forgiveness options granted to Parent Plus borrowers. Please carefully consider your options when refinancing federal student loans and consult </span><a class= "Hyperlink SCXW108584348 BCX0" href="http://www.studentaid.gov/" target="_blank" rel="noreferrer noopener"><span class= "NormalTextRun SCXW108584348 BCX0" data-ccp-charstyle= "Hyperlink">http://www.studentaid.gov</span></a><span class= "NormalTextRun SCXW108584348 BCX0"> for the most current information.</span><span class="EOP Selected SCXW108584348 BCX0" data-ccp-props= "{"134233117":false,"134233118":false,"201341983":0,"335559738":0,"335559739":160,"335559740":279}"> </span></p> </li> </ul> </div> </div> </div>