The Chiro Money Show

Money Lessons From The Ultra Wealthy w/ Dr. Laurence Tham

Scott Campbell, Chris Scheele — Thu, 10 Sep 2026 16:17:51 GMT

To join TIGER 21 you need twenty million dollars in investable net worth. Not your house. Not your business. Twenty million, liquid.

Dr. Laurence Tham chairs two of those groups — one in Portugal, one global. Twelve to fifteen members meet every month, and at each meeting one member opens their entire portfolio to the room: net worth, allocation, everything they're in and everything they're getting into.

In part two of our conversation, Laurence tells Scott and Chris what actually happens in that room. Almost none of it is about investments. It's about the difference between being frugal and spending on what you value, the pressure and guilt that show up after the money arrives, and why wealth creation and wealth preservation are two completely different skills.

He also delivers the line that matters most for a practice owner: your practice is the engine, not the wealth. You will never get wealthy from chiropractic cash flow itself — you get wealthy from what you do with it.

And he's honest about his own worst financial decision, which wasn't the quarter of a million dollars he lost in 2008. It was the decade of not investing that followed.

Part one is in the feed if you missed it.

FIND DR. LAURENCE THAM

🌐 His website → https://drlaurencetham.com/

🤖 Align OS → https://app.getalignos.co/

📸 Follow Laurence on Instagram → https://www.instagram.com/laurencetham/

The Chiro Money Show is hosted by Scott Campbell and Chris Scheele, financial planners with Align Wealth. We help chiropractors make better financial decisions so they can build stability in their finances and a lifestyle they love.

📊 Take the Financial Clarity Assessment → https://alignwealth.scoreapp.com

📸 Follow Scott Campbell on Instagram → www.instagram.com/scottcampbell.fp

🌐 Learn more about Align Wealth → www.alignwealth.ca

94.7% Referrals, Zero Marketing, and Where AI Actually Fits in Your Practice w/ Dr. Laurence Tham

Scott Campbell, Chris Scheele — Thu, 03 Sep 2026 12:00:00 GMT

Ninety-four point seven percent of Dr. Laurence Tham's new patients came from referrals. He ran no new patient marketing to get there.

Laurence graduated from CMCC in 2002 and has never practiced a day in Canada. One week after his board exams he flew to Australia with his new wife, five thousand dollars, and three months of locum work. Twenty years later he had built one of the largest chiropractic practices in Western Australia.

In part one of our conversation, Laurence walks Scott and Chris through the decision that changed his life, the three pillars every practice runs on — attraction, conversion, retention — and why the one most chiropractors ignore is the one with the most upside. He makes the case that conversion and retention are communication problems, not marketing problems, and that a script will never do the job.

He also shares his three rules for failure, why owning a practice is a different skill set than being a great practitioner, and where he thinks AI actually fits — which is not where you'd expect from someone building an AI tool for chiropractors.

Part two comes out next Thursday: Laurence works inside TIGER 21 with families whose net worth starts at twenty million dollars, and we get into what carries over from those rooms to a chiropractor building a practice.

FIND DR. LAURENCE THAM

🌐 His website → https://drlaurencetham.com/

🤖 Align OS → https://app.getalignos.co/

📸 Follow Laurence on Instagram → https://www.instagram.com/laurencetham/

—

📊 Take the Financial Clarity Assessment → https://alignwealth.scoreapp.com

📸 Follow Scott Campbell on Instagram → www.instagram.com/scottcampbell.fp

🌐 Learn more about Align Wealth → www.alignwealth.ca

047 | Can Chiropractors DIY Their Financial Plan?

Scott Campbell, Chris Scheele — Thu, 27 Aug 2026 13:58:35 GMT

You can absolutely build a low-cost, globally diversified portfolio on your own — that part of investing has been solved, and we're not arguing against it. But investing is only one of the six areas of financial planning, and for an incorporated chiropractor the other five are where the real money gets made or lost. In this episode, Scott and Chris break down the difference between DIY investing and DIY financial planning, why one decision like salary versus dividends can swing your net worth by six figures, and where AI actually falls short when it comes to building and implementing a real plan. They also lay out the profile of someone who genuinely can go it alone — and the signs that it's time to stop.

📊 Take the Financial Clarity Assessment → https://alignwealth.scoreapp.com

📸 Follow Scott Campbell on Instagram → www.instagram.com/scottcampbell.fp

🌐 Learn more about Align Wealth → www.alignwealth.ca

046 | Spend Now or Spend Later: Why Buying Back Your Time Might Be Your Best Investment

Scott Campbell, Chris Scheele — Thu, 20 Aug 2026 13:00:00 GMT

Money can only ever do two things: be spent now or be spent later. In this episode, Chris and Scott unpack what that simple truth means for chiropractors at every stage of their career, from the debt-heavy student years through practice growth, peak earnings, and eventually a practice sale. They share real client stories, including couples who are objectively crushing it but still feel like they should be doing more, and make the case for why spending money to buy back your time might be the highest-return investment you can make. You'll also get practical guardrails to keep it balanced, like the 50% raise rule and building guilt-free spending into your cash flow plan. If you've ever felt guilty hiring a house cleaner or taking a real vacation while carrying debt, this one's for you.

📊 Take the Financial Clarity Assessment → https://alignwealth.scoreapp.com

📸 Follow Scott Campbell on Instagram → www.instagram.com/scottcampbell.fp

🌐 Learn more about Align Wealth → www.alignwealth.ca

045 | $1M Practice, 3 Days a Week: Dr. Jamie Richards on the Retention-Based Practice

Scott Campbell, Chris Scheele — Thu, 13 Aug 2026 15:04:24 GMT

Most practice owners believe the path to more income is more volume — more new patients, more visits, more everything. Dr. Jamie Richards built a practice doing over $1 million a year while being in the office every other Wednesday, and he says that belief is exactly what's keeping doctors stuck. In this conversation, Jamie breaks down his Retention Based Practice™ model: why a 100-visit-per-week practice should need only five new patients a month, how raising prices transformed a 400-visit practice into a more profitable 150-visit one, and the "acceptance mindset" that took his completion rates to 97%. He also opens up about $400K in business mistakes, building a team of associates that let him step back from the table, and why the first question is never "how do I grow?" but "what do I actually want?" Whether you're a seasoned practice owner or new associate fresh out of school, this episode will change how you think about growth.

Connect with Dr. Jamie Richards:

🌐 Life by Design for Chiropractors → https://www.lifebydesignforchiropractors.com

📸 Instagram → https://www.instagram.com/lifebydesignforchiropractors

▶️ YouTube → https://www.youtube.com/@lifebydesignforchiropractors

💼 LinkedIn → https://www.linkedin.com/in/dr-jamie-richards-050756157

🏥 The Life By Design Centre → https://lifebydesigncentre.com

📊 Take the Financial Clarity Assessment → https://alignwealth.scoreapp.com

📸 Follow Scott Campbell on Instagram → www.instagram.com/scottcampbell.fp

🌐 Learn more about Align Wealth → www.alignwealth.ca

044 | Can I Write That Off? A Chiropractor's Guide to Business Expenses

Scott Campbell, Chris Scheele — Thu, 06 Aug 2026 18:13:12 GMT

A lot of chiropractors assume that incorporating unlocks a new world of tax efficiency — that anything remotely business-related can now be run through the corporation. This episode breaks down what a legitimate write-off actually is, using the CRA’s two real tests: was the expense necessary to earn income, and is the amount reasonable? We walk through the biggest gray areas — vehicles, home office, meals and entertainment, and golf — and explain the piece almost nobody understands: what “non-deductible” really means, how add-backs work at tax time, and why your corporation can still pay for things it can’t deduct. We also share a client story where tens of thousands of dollars in expenses got reattributed back as personal income, creating a surprise tax bill and a cycle that repeated year after year. If you’ve ever wondered whether you’re leaving money on the table — or quietly setting yourself up for a headache — this one will give you a clear framework and a much simpler system to follow.

📊 Take the Financial Clarity Assessment → https://alignwealth.scoreapp.com

📸 Follow Scott Campbell on Instagram → www.instagram.com/scottcampbell.fp

🌐 Learn more about Align Wealth → www.alignwealth.ca

043 | How Much Is Your Advisor Costing You — and What Do You Get in Return?

Scott Campbell, Chris Scheele — Thu, 30 Jul 2026 17:18:20 GMT

Most Canadians can't tell you what they pay their financial advisor or what they actually get for it. In this episode, Chris and Scott break down the three most common ways advisors get paid in Canada, from bank-embedded MERs to advice-only fees to a fully separated fee-only model, and why so few people can answer a simple question: how much am I paying, and what am I getting for it? They also dig into what real financial planning looks like beyond managing your investments, and the questions to ask before you hire (or stick with) an advisor.

📊 Take the Financial Clarity Assessment → https://alignwealth.scoreapp.com

📸 Follow Scott Campbell on Instagram → www.instagram.com/scottcampbell.fp

🌐 Learn more about Align Wealth → www.alignwealth.ca

042 | Why Giving Might Be the Best Investment You Ever Make

Scott Campbell, Chris Scheele — Thu, 23 Jul 2026 13:00:00 GMT

In this episode of The Chiro Money Show, Chris and Scott dig into a question that flips conventional financial thinking on its head: could giving actually be the best investment you make? Inspired by Dr. Daniel Crosby's book The Soul of Wealth, they explore the research behind "felt wealth" — the surprising finding that generosity makes people feel wealthier at every income level, no matter the dollar amount. You'll hear the science of why giving feels so good, from the "helper's high" and the brain's "warm glow" to the real health benefits of volunteering your time. Chris and Scott also break down the four spending categories actually linked to happiness, and share practical ways to build intentional giving into your cash flow — starting small, staying consistent, and putting your resources toward the causes that matter most to you. If you've ever wondered whether money can buy happiness, this conversation offers a compelling answer: it's less about what you keep, and more about what you give.

📊 Take the Financial Clarity Assessment → https://alignwealth.scoreapp.com

📸 Follow Scott Campbell on Instagram → www.instagram.com/scottcampbell.fp

🌐 Learn more about Align Wealth → www.alignwealth.ca

041 | Turning Marketing Spend Into Patient Volume w/ theChiroConsultant

Scott Campbell, Chris Scheele — Thu, 16 Jul 2026 15:11:24 GMT

Most chiropractors are scared to spend money on marketing — and the reason usually comes down to a bad experience, not bad math. In this episode, we're joined by Dylan Marchese and Trevor Johnson of The Chiro Consultant to break down why so many clinics get burned by agencies, and what separates the practices that see 3–10x returns from the ones that quietly bleed money every month. They walk through the four metrics that actually matter (lead volume, booking rate, show rate, and conversion), explain why cost-per-lead is a vanity metric that leads doctors to make bad decisions, and share real numbers on what a clinic should be spending — from an 8% starting point to the clinics investing 20%+ of gross revenue because the return justifies it. Dylan and Trevor also cover the shift away from Google-only search into AI platforms, Bing, and Apple Maps, and why relying on a single marketing channel is a risk most clinic owners don't realize they're taking. If you've ever looked at your marketing spend and thought "I feel like this should be working," this conversation will give you the data-driven framework to replace that feeling with actual answers.

Connect with The Chiro Consultant:

🌐 The Chiro Consultant → https://www.thechiroconsultant.com/

📸 Follow on Instagram → https://www.instagram.com/thechiroconsultant/

📊 Take the Financial Clarity Assessment → https://alignwealth.scoreapp.com

📸 Follow Scott Campbell on Instagram → www.instagram.com/scottcampbell.fp

🌐 Learn more about Align Wealth → www.alignwealth.ca

040 | Stop Waiting for the Crash: How to Invest Through Uncertainty

Scott Campbell, Chris Scheele — Thu, 09 Jul 2026 12:00:00 GMT

Market crashes aren't a matter of if — they're a matter of when. In this episode, Chris and Scott break down why bear markets happen on average every six to seven years, why trying to time your way around them almost always backfires, and what missing just the 10 best days in the market can do to 20 years of returns. They cover the two levers you can actually control — portfolio design and investor mindset — and why a written financial plan is what keeps you in your seat when your portfolio is down 30%. If you've ever felt the urge to sell when things get scary, or you're sitting on cash waiting for "the big one," this episode is for you.

📊 Take the Financial Clarity Assessment → https://alignwealth.scoreapp.com

📸 Follow Scott Campbell on Instagram → www.instagram.com/scottcampbell.fp

🌐 Learn more about Align Wealth → www.alignwealth.ca

039 | What 10 Years as a CFP Taught Me About You and Your Money

Scott Campbell, Chris Scheele — Thu, 02 Jul 2026 12:00:00 GMT

Scott hits a milestone this week — ten years as a Certified Financial Planner — and he and Chris use it as a chance to reflect on how financial planning has really changed over the past decade. They dig into why products were never the plan, how the industry shifted from advisors-as-gatekeepers to a world of direct access and AI tools, and why cash flow management remains the single most important conversation for any business owner. Scott also gets honest about what he thought "making it" meant at 29 versus what actually matters now: communication, empathy, and helping people cut through the noise. If you've ever felt informed but still disorganized about your money — or you've been quietly avoiding your finances altogether — this one unpacks why that happens and what changes once you finally sit down and look at the whole picture.

📊 Take the Financial Clarity Assessment → https://alignwealth.scoreapp.com

📸 Follow Scott Campbell on Instagram → www.instagram.com/scottcampbell.fp

🌐 Learn more about Align Wealth → www.alignwealth.ca

038 | The Compound Effect of Real Financial Planning

Scott Campbell, Chris Scheele — Thu, 25 Jun 2026 12:08:01 GMT

What happens when you commit to financial planning the same way you'd commit to a personal trainer or regular chiropractic care? In this episode, Scott and Chris break down the compounding effect of ongoing financial advice — why the real value shows up over years, not in a single annual check-in. They walk through the research on advised vs. non-advised households (including some eye-opening stats on net worth, savings rates, and asset growth over time), the direct link between financial stress and your health, and the peace of mind that comes from having a real plan and a guide in your corner. If you've ever wondered whether working with a financial planner is actually worth it long term, this conversation makes the case clearly.

📊 Take the Financial Clarity Assessment → https://alignwealth.scoreapp.com

📸 Follow Scott Campbell on Instagram → www.instagram.com/scottcampbell.fp

🌐 Learn more about Align Wealth → www.alignwealth.ca

037 | The $9,000 Myth: What CPP Really Costs You w/ Aravind Sithamparapillai

Scott Campbell, Chris Scheele — Thu, 18 Jun 2026 12:30:00 GMT

If you're an incorporated chiropractor, you've probably heard the pitch from your accountant: pay yourself dividends instead of salary and save roughly $9,000 a year by skipping CPP. But is that actually true? In this episode, Chris and Scott sit down with Aravind Sithamparapillai of Ironwood Wealth Management — a CFP who ranked first nationally on his exam and has done deeper work on Canada Pension Plan than just about anyone in the country — to pull apart the real math behind the salary vs. dividend decision.

You'll learn why the true cost of "opting out" of CPP is closer to $5,000–$7,000 than $9,000 once you account for deductions, credits, integration, and the hidden clawback on benefits like the Canada Child Benefit. Aravind also makes the case for why CPP should be treated as a guaranteed, inflation-protected asset class of its own — not a tax — and why its after-tax return is a genuinely tough hurdle to beat, especially as you get older.

This one does get technical, but if you own a professional corporation and make the salary-vs-dividend call every year (whether you realize it or not), it's worth the listen. The big takeaway: this is a decision you get to make annually, and getting your accountant and financial planner in the same room is how you make it well.

—

Guest: Aravind Sithamparapillai — CFP®, CIM®, MBA
Financial Planner, Ironwood Wealth Management Group

📸 Instagram → https://www.instagram.com/aravind.sith.cfp/
💼 LinkedIn → https://www.linkedin.com/in/sithamparapillai/
✖️ X → https://x.com/AravindSitham
✍️ Substack → https://aravindsithamparapillai.substack.com/

Check out some other podcasts that Aravind was a guest!

Is Anyone Doing Due Diligence? with Aravind Sithamparapillai | Rational Reminder 386 - https://www.youtube.com/watch?v=Uyux4pBv4sY

Aravind Sithamparapillai: Financial Planning Tips from a CFP® Gold Medalist | TWB Podcast #36 - https://www.youtube.com/watch?v=Y8vgQoHzfEc

📊 Take the Financial Clarity Assessment → https://alignwealth.scoreapp.com

📸 Follow Scott Campbell on Instagram → www.instagram.com/scottcampbell.fp

🌐 Learn more about Align Wealth → www.alignwealth.ca

036 | The SpaceX IPO: Why We're Not Buying the Hype

Scott Campbell, Chris Scheele — Thu, 11 Jun 2026 13:00:00 GMT

This episode looks at whether buying into a hyped-up IPO is actually a smart move, using the SpaceX public offering as the case study. We break down how a company can carry a trillion-dollar-plus valuation while never having turned a profit, and what that gap between price and reality really tells you. Then we get into the historical data on IPOs, which paints a very different picture than the day-one headlines do. If you've ever felt the pull to line up for a buzzy new stock, this one explains why the math usually works against you and what a calmer approach looks like instead.

📊 Take the Financial Clarity Assessment → https://alignwealth.scoreapp.com

📸 Follow Scott Campbell on Instagram → www.instagram.com/scottcampbell.fp

🌐 Learn more about Align Wealth → www.alignwealth.ca

035 | The Best of Both Worlds: A Smarter Way to Invest (Part 3/3)

Scott Campbell, Chris Scheele — Thu, 04 Jun 2026 13:00:00 GMT

In the final episode of our three-part investing series, we get into a third way to build a portfolio, one that sits between traditional active management and pure passive indexing. We unpack the research behind tilting toward value, profitability, and company size, why those factors have historically delivered higher expected returns over the long run, and how Dimensional Fund Advisors turns that philosophy into a real portfolio. We're also honest about the trade-offs: who this approach suits, who it doesn't, and why patience matters more than beating any single benchmark in a given year. If you've ever wondered whether you can do better than simply matching the market, this one's worth your time.

📊 Take the Financial Clarity Assessment → https://alignwealth.scoreapp.com

📸 Follow Scott Campbell on Instagram → www.instagram.com/scottcampbell.fp

🌐 Learn more about Align Wealth → www.alignwealth.ca

034 | Why "Just Buy the Index" Isn't the Whole Story (Part 2/3)

Scott Campbell, Chris Scheele — Thu, 28 May 2026 13:00:00 GMT

Most Canadians have been told the same thing: ditch active management, buy a passive index fund, and you're done. But "passive" investing is nowhere near as hands-off as it sounds. In this episode, Chris and Scott break down what passive investing actually is, why there are 13 million indexes to choose from, and the surprising number of active decisions you're making the moment you pick a fund. Through real stories about Lululemon's five-year wait to join the S&P 500 and Tesla's strange month-long price run before it was added, they show how index providers and fund managers make choices that can quietly cost you money. If you've ever assumed an ETF automatically means low fees and a smart strategy, this one will change how you think about your portfolio. Listen first before you decide where your money goes.

📊 Take the Financial Clarity Assessment → https://alignwealth.scoreapp.com

📸 Follow Scott Campbell on Instagram → www.instagram.com/scottcampbell.fp

🌐 Learn more about Align Wealth → www.alignwealth.ca

033 | Why 98% of Canadian Mutual Funds Are Losing to the Market (Part 1/3)

Scott Campbell, Chris Scheele — Thu, 21 May 2026 13:37:48 GMT

Most Canadians have no idea how their money is actually invested — and the stats show that 77% of investor dollars are sitting in actively managed funds at the big banks. In this first episode of a three-part investing mini-series, Scott and Chris break down what active management actually is, why it's still so common in Canada, and what the data says about whether all those highly paid fund managers are actually beating the market. Spoiler: over the last 10 years, less than 2% of Canadian equity mutual funds beat their benchmark. You'll learn how fees quietly eat into your long-term returns (the difference between a 1% and 3% fee on $1M over 30 years is over $2 million), why active funds keep disappearing, and the biases that keep investors chasing past performance. If you're not crystal clear on how you're invested today, this is the place to start.

📊 Take the Financial Clarity Assessment → https://alignwealth.scoreapp.com

📸 Follow Scott Campbell on Instagram → www.instagram.com/scottcampbell.fp

🌐 Learn more about Align Wealth → www.alignwealth.ca

032 | The One-Page Financial Plan: What Actually Belongs On It

Scott Campbell, Chris Scheele — Thu, 14 May 2026 12:00:00 GMT

Most financial plans end up as a 60-page leather-bound binder collecting dust on a shelf. In this episode, Scott and Chris make the case that everything you actually need can fit on a single page — and walk through exactly what belongs on it. Inspired by Carl Richards' The One-Page Financial Plan, they cover why money matters to you, how to think about goals (or "guesses"), where you stand today, and the investment mandate that keeps you disciplined when the next "hot opportunity" lands in your inbox. If you've ever wondered what a financial plan should actually do for you, start here.

📊 Take the Financial Clarity Assessment → https://alignwealth.scoreapp.com

📸 Follow Scott Campbell on Instagram → www.instagram.com/scottcampbell.fp

🌐 Learn more about Align Wealth → www.alignwealth.ca

031 | Tax Refunds, RRSPs, and the Plan Most Canadians Don't Have

Scott Campbell, Chris Scheele — Thu, 07 May 2026 16:29:35 GMT

Roughly 80% of Canadians get a tax refund every year, with the average sitting around $2,000. But getting a refund isn't free money — it means you overpaid the CRA and lent them your cash interest-free. This episode breaks down why that happens, how to stop it, and what to actually do with a refund when it lands. We also get into RRSP planning, the lump sum vs. monthly contribution debate, and why so many retirees end up resenting their RRSPs (hint: it's not the RRSP's fault). If you want your tax refund to do more than disappear into lifestyle spending, this one's worth a listen.

📊 Take the Financial Clarity Assessment → https://alignwealth.scoreapp.com

📸 Follow Scott Campbell on Instagram → www.instagram.com/scottcampbell.fp

🌐 Learn more about Align Wealth → www.alignwealth.ca

030 | Should You Factor an Inheritance Into Your Financial Plan?

Scott Campbell, Chris Scheele — Thu, 30 Apr 2026 11:42:21 GMT

A trillion dollars is expected to transfer from Baby Boomers to their children between 2023 and 2026 — one of the largest generational wealth transfers in Canadian history. But should that change how you're managing your own finances today? In this episode, Scott and Chris unpack what the data actually shows about inheritances in Canada, why building your retirement plan around one is risky, and what to do instead. They also dig into the conversations most families avoid having — the ones that can make or break how smoothly wealth gets passed on. If you're expecting an inheritance someday, or wondering how to think about your parents' estate, this one's worth a listen.

📊 Take the Financial Clarity Assessment → https://alignwealth.scoreapp.com

📸 Follow Scott Campbell on Instagram → www.instagram.com/scottcampbell.fp

🌐 Learn more about Align Wealth → www.alignwealth.ca

029 | Rich Is What People See, Wealthy Is What Your Family Feels w/ Dr. Parm Rai

Scott Campbell, Chris Scheele — Thu, 23 Apr 2026 12:00:00 GMT

Dr. Parm Rai — chiropractor, founder of Lux Talks, and 22-year practice veteran — joins Scott and Chris to unpack the difference between looking rich and actually being wealthy. From his origin story in El Salvador (where he watched a woman walk for the first time in years after a Gonstead adjustment) to his decade-long delayed gratification on a Porsche 911, Dr. Parm shares the mindset that's shaped both his practice and his personal finances.

This conversation is a must-listen if you've ever felt the pull to show success before you've actually built it. Dr. Parm breaks down why "balance" is really just trade-offs, why weekly meetings with his wife and business partner are non-negotiable, and why running worst-case scenarios is the foundation of real financial freedom. If you're a chiropractor or practice owner trying to build something that lasts — without sacrificing family dinners or your sanity — this one's for you.

📊 Take the Financial Clarity Assessment → https://alignwealth.scoreapp.com

📸 Follow Scott Campbell on Instagram → www.instagram.com/scottcampbell.fp

🌐 Learn more about Align Wealth → www.alignwealth.ca

Connect with Dr. Parm Rai

🌐 RAI Chiropractic → Restore. Align. Inspire.
https://www.instagram.com/raichiropractic/

https://www.instagram.com/drparmrai/

🎤 Lux Talks → www.luxtalks.ca | https://www.instagram.com/luxtalks.ca/

028 | Financial Planning Advice We've Changed Our Minds On Over The Last Decade

Scott Campbell, Chris Scheele — Thu, 16 Apr 2026 12:00:00 GMT

Twenty years of financial planning experience between two advisors is bound to change a few opinions. In this episode, Scott and Chris get candid about the advice they used to give — on TFSAs, insurance riders, savings rates, cash flow planning, and paying into CPP — and how their thinking has shifted over time. Some of these are subtle evolutions, others are full 180s.

📊 Take the Financial Clarity Assessment → https://alignwealth.scoreapp.com

📸 Follow Scott Campbell on Instagram → www.instagram.com/scottcampbell.fp

🌐 Learn more about Align Wealth → www.alignwealth.ca

027 | The Difference Between Getting Paid and Being Profitable

Scott Campbell, Chris Scheele — Thu, 09 Apr 2026 13:00:00 GMT

If you had to hire a chiropractor tomorrow to come in and take over your patient volume — just the adjustments, not the management, not the business decisions — what would you have to pay them? And after that, would there be anything left over?

In this episode, we walk through a real-world example of a practice owner (we'll call him John) who's bringing in about $300,000 a year in revenue, carrying 60% overhead, and paying himself $100,000. That's only 35% of what he's actually generating — which is less than what most associates would accept as a split.

We break down how to think about your compensation in three parts: what you're worth as a chiropractor, what you should earn for managing the business, and what profit you deserve for taking on the financial risk of ownership. We also talk about the Profit First system, why "whatever's left over" isn't a pay strategy, and whether practice ownership is actually the right path for everyone.

If you've never done the napkin math on your own replacement cost, this episode will make you think.

📊 Take the Financial Clarity Assessment → https://alignwealth.scoreapp.com

📸 Follow Scott Campbell on Instagram → www.instagram.com/scottcampbell.fp

🌐 Learn more about Align Wealth → www.alignwealth.ca

026 | Pay Off Your Mortgage or Invest — Which One Wins?

Scott Campbell, Chris Scheele — Thu, 02 Apr 2026 12:00:00 GMT

Should you throw your extra cash at the mortgage or put it to work in the market? On pure math, investing that extra $500/month wins by almost $80,000 over 20 years — but the math doesn't account for how you'll actually behave when markets drop 30%. We break down the numbers decade by decade, talk about why Morgan Housel calls paying off his mortgage the best money decision he ever made despite it being the worst financial one, and help you figure out which side of this debate is right for your situation.

📊 Take the Financial Clarity Assessment → https://alignwealth.scoreapp.com

📸 Follow Scott Campbell on Instagram → www.instagram.com/scottcampbell.fp

🌐 Learn more about Align Wealth → www.alignwealth.ca

025 | The One Role Every Practice Owner Can't Delegate w/ April Stroink

Scott Campbell, Chris Scheele — Thu, 26 Mar 2026 13:15:35 GMT

Running a chiropractic practice means you're also running a business — but most practitioners were never taught how. In this episode, we sit down with April Stroink, certified CFO and founder of the Money Fix Institute, to talk about what it actually takes to get a handle on your practice finances. April shares her own hard-won story of financial chaos in a retail business she owned, and how that experience shaped her mission to help health and wellness practitioners build real financial systems.

We cover what it means to be the Chief Financial Wellness Officer of your own practice, how to build a wealth care team (bookkeeper, CPA, advisor) that actually works together, why chasing top-line revenue often makes cash flow problems worse, and why margin of safety — not just more patients — is the move in 2026. If you've been avoiding your numbers, this one's for you.

Learn more and connect with April Stroink!

🌐 Website → https://aprilstroink.ca/

💼 LinkedIn → https://www.linkedin.com/in/april-stroink-2b11a411a/

📸 Instagram → https://www.instagram.com/aprilstroink/

📊 Take the Financial Clarity Assessment → https://alignwealth.scoreapp.com

📸 Follow Scott Campbell on Instagram → www.instagram.com/scottcampbell.fp

🌐 Learn more about Align Wealth → www.alignwealth.ca

024 | The Incentives Driving the Financial Professionals on Your Team

Scott Campbell, Chris Scheele — Thu, 19 Mar 2026 14:15:00 GMT

Most chiropractors have some version of a financial team — an accountant, an advisor, maybe an insurance broker. But knowing who's on your team is very different from knowing whose side they're actually on. The professionals in your financial corner aren't all incentivized the same way, and if you've never stopped to ask how they get paid, you might be surprised by what you find. In this episode, Scott and Chris break down how to evaluate the people managing your money — and make sure their interests are actually aligned with yours.

They cover what a great accountant really does (it's not just saying yes to everything), the January 2026 regulatory changes now requiring investment statements to clearly show advisor fees in dollar terms, and the four questions every chiropractor should ask before hiring any financial professional. If your advisor can't clearly explain how they get paid — that's your answer.

📊 Take the Financial Clarity Assessment → https://alignwealth.scoreapp.com

📸 Follow Scott Campbell on Instagram → www.instagram.com/scottcampbell.fp

🌐 Learn more about Align Wealth → www.alignwealth.ca

023 | Is Critical Illness Insurance Critical?

Scott Campbell, Chris Scheele — Thu, 12 Mar 2026 12:00:00 GMT

Is critical illness insurance actually critical to have? In this episode, Scott and Chris dig into what a CI policy is, how it works, and whether it deserves a place in your financial plan — even if you're young, healthy, and think you've got it covered. Scott makes the case for why he's had coverage in place since age 25, shares a personal story about his mom's cancer diagnosis, and breaks down key considerations like corporate vs. personal ownership and how CI can work alongside your disability policy. Chris comes in as the skeptic — and might just leave a convert.

📊 Take the Financial Clarity Assessment → https://alignwealth.scoreapp.com

📸 Follow Scott Campbell on Instagram → www.instagram.com/scottcampbell.fp

🌐 Learn more about Align Wealth → www.alignwealth.ca

022 | The 6 Principles Guiding Our Investment Decisions

Scott Campbell, Chris Scheele — Thu, 05 Mar 2026 16:38:16 GMT

Every investor has opinions — but do you have actual guiding principles? In this episode, we walk through a real client conversation that revealed a critical gap between having an investment philosophy and actually following it when things get interesting. We break down the six guiding principles that drive every investment decision we make at Align Wealth, from avoiding market timing to managing your behavior when markets get scary. If you've never written down your investment mandate, this episode will show you exactly why you need one — and what it should include.

📊 Take the Financial Clarity Assessment → https://alignwealth.scoreapp.com

📸 Follow Scott Campbell on Instagram → www.instagram.com/scottcampbell.fp

🌐 Learn more about Align Wealth → www.alignwealth.ca

021 | Getting Your Reps, Finding Your Mentor, and Launching Into Year One w/ Dr. Kyla Butz

Scott Campbell, Chris Scheele — Thu, 05 Mar 2026 14:44:55 GMT

In this episode, Scott and Chris sit down with Dr. Kyla Butz, a newly licensed chiropractor and Palmer graduate who has been documenting her journey from chiropractic student to first-year practitioner. Dr. Kyla opens up about the real financial realities of studying in the U.S. as a Canadian student — navigating exchange rates, student loans, and unexpected startup costs that hit the moment she graduated. She also shares how building her personal brand on Instagram helped her hit the ground running in practice, and why mentorship has been one of the most valuable investments she's made in her career. If you're a chiropractic student, new grad, or early-career chiropractor wondering what the transition really looks like, this one is for you.

Follow Dr. Kyla Butz on Instagram → https://www.instagram.com/chirokyla/

📊 Take the Financial Clarity Assessment → https://alignwealth.scoreapp.com

📸 Follow Scott Campbell on Instagram → www.instagram.com/scottcampbell.fp

🌐 Learn more about Align Wealth → www.alignwealth.ca

020 | Can ChatGPT Replace Your Financial Advisor?

Scott Campbell, Chris Scheele — Thu, 19 Feb 2026 12:00:00 GMT

Can ChatGPT actually replace your financial advisor? In this episode, Scott puts AI to the test — feeding a detailed chiropractor scenario into an AI tool to see what kind of financial plan it would produce. The results were surprising, sometimes solid, and sometimes way off base. Tune in to hear what AI got right, where it fell short, and why "it depends" will always be the most important phrase in personal finance.

📊 Take the Financial Clarity Assessment → https://alignwealth.scoreapp.com

📸 Follow Scott Campbell on Instagram → www.instagram.com/scottcampbell.fp

🌐 Learn more about Align Wealth → www.alignwealth.ca

019 | The Gold Medal Starting Lineup for Personal Finance

Scott Campbell, Chris Scheele — Thu, 12 Feb 2026 13:00:00 GMT

With the Olympics underway, Scott and Chris put a fun spin on personal finance by drafting their ultimate "starting lineups" for financial success — using hockey positions. From offense (growth mindset, global investing, strong fundamentals) to defense (emergency funds, disability insurance, resilience) to the all-important goalie (life insurance, estate planning, and accountability partners), this episode breaks down what it really takes to win gold in your financial life. Tune in to see which lineup you'd draft.

📊 Take the Financial Clarity Assessment → https://alignwealth.scoreapp.com

📸 Follow Scott Campbell on Instagram → www.instagram.com/scottcampbell.fp

🌐 Learn more about Align Wealth →www.alignwealth.ca

018 | The Best Investment of 2025 and the Lessons to Carry Forward

Scott Campbell, Chris Scheele — Thu, 05 Feb 2026 13:00:00 GMT

2025 was a wild ride in the markets—from Liberation Day chaos to all-time highs just 12 weeks later. In this episode, Scott recaps the year's biggest surprises, including why emerging markets beat the S&P 500 for the first time since 2017, what happened with Bitcoin and gold, and the critical behavioral lessons every long-term investor needs to remember heading into 2026.

Chapters:

0:00 – Introduction & Listener Shoutout
3:45 – 2025 Market Overview: A Year of Headlines
6:20 – Silver, Gold & Bitcoin: The Speculative Standouts
10:15 – The Best Performing Asset Class of 2025
13:40 – Liberation Day: Market Crash to Recovery in 12 Weeks
17:50 – The Bumpy Road to Long-Term Averages
21:30 – Action Items: Portfolio Check, Strategy & Ignoring the Noise

📊 Take the Financial Clarity Assessment → https://alignwealth.scoreapp.com

📸 Follow Scott Campbell on Instagram → www.instagram.com/scottcampbell.fp

🌐 Learn more about Align Wealth → www.alignwealth.ca

017 | 3 Timeless Lessons from Warren Buffett, the GOAT

Scott Campbell, Chris Scheele — Thu, 29 Jan 2026 13:32:35 GMT

Warren Buffett retired as CEO of Berkshire Hathaway at age 95, ending six decades of legendary investing. We break down three timeless lessons from the GOAT that every chiropractor can apply to their wealth-building journey.

What we cover: ✓ Time in the market beats timing the market ✓ Keep costs low and avoid complexity (plus his $1M bet against hedge funds) ✓ Behaviour matters more than strategy

Plus: Buffett's $3 McDonald's breakfast, his five-Coke-a-day habit, and why he still lives in his $31,000 house from 1958.

Key Takeaway: You don't need to be Warren Buffett. You just need to follow the simple principles he recommends—low-cost index funds, long holding periods, and disciplined behavior.

016 | Tax Planning Playbook: A Chiropractor’s Guide by Career Stage

Scott Campbell, Chris Scheele — Thu, 22 Jan 2026 12:24:54 GMT

Tax planning doesn’t have to be complicated — but it does have to be intentional.

In this episode of The Chiro Money Show, Scott Campbell and Chris Scheele from Align Wealth walk through foundational tax planning for chiropractors at every stage of their career — from new grads and associates, to practice owners in the long middle, all the way to those thinking about scaling back or exiting practice.

This isn’t about loopholes, fancy write-offs, or pushing the limits with the CRA. It’s about understanding how tax planning actually works, avoiding common mistakes, and building systems that reduce stress and create long-term flexibility.

In this episode, we cover:

The difference between tax planning and tax filing
What new grads and associates need to get right early
When (and why) incorporating actually makes sense
Why using your practice like an ATM causes tax headaches
Salary vs dividends and how compensation decisions compound over time
How RRSPs, TFSAs, FHSAs, CPP, and corporate investing fit together
Common mid-career tax mistakes we see chiropractors make
What to start thinking about years before selling or exiting a practice

If you want fewer tax surprises, better clarity around your income, and a long-term plan that supports both your lifestyle and your future — this episode is for you.

014 | How To Crash Proof Your Investment Portfolio

Scott Campbell, Chris Scheele — Thu, 08 Jan 2026 14:00:00 GMT

Market crashes are inevitable—but are you prepared? In this episode, we break down how to build a portfolio and mindset that can weather any storm. We explore why crashes happen more often than you think (every 3-4 years on average), the psychology behind investor panic, and five essential pillars to help you stay invested for the long haul. Whether you're a seasoned investor or just getting started, this episode will help you understand that the best crash-proof strategy isn't avoiding crashes—it's being positioned to handle them when they come.

📊 Take the Financial Clarity Assessment → https://alignwealth.scoreapp.com

📸 Follow Scott Campbell on Instagram → www.instagram.com/scottcampbell.fp

🌐 Learn more about Align Wealth → www.alignwealth.ca

004 | Rich vs Wealthy: The Chiropractor’s Reality Check

Scott Campbell, Chris Scheele — Thu, 23 Oct 2025 13:00:00 GMT

A big income doesn’t equal financial freedom. In this episode, Scott and Chris unpack the real difference between looking rich and building wealth — and show how chiropractors can close the gap without sacrificing the life you want today.

You’ll hear how to shift from the no-plan plan to a simple, automated system: pay yourself first, invest consistently, and align your investing with an overall financial and tax plan. We talk habits over hype, why wealth is mostly invisible, and how to start even if you’ve got student debt or a full schedule.

Highlights
00:00 Welcome and quick banter
01:07 Topic setup: income vs freedom
01:42 Rich life vs wealthy life
03:45 Client story: high income, low wealth
05:40 Mapping a plan that builds confidence
06:47 Why this happens: time, change, not knowing where to start
08:21 There’s never a perfect time — start the habit
11:18 Should you invest if you have debt
12:19 Liquidity and optionality matter
13:01 Rule of thumb: save and invest 15–20 percent of income
14:13 Automate deposits so it actually happens
17:16 Where to invest and what to buy
18:34 The simple philosophy: diversify, keep fees low, stick with it
19:44 When to leverage a real planner
22:31 Three action steps: awareness, pick an amount, automate
24:54 Financial Clarity Assessment and next steps

If this helped, share it with another chiropractor and leave a quick rating so more docs can find the show.

Links
📊 Take the Financial Clarity Assessment
📧 Book a chat with Scott and Chris
📸 Follow Align Wealth on IG: @scottcampbell.fp

010 | Investing Made Simple: The Evidence-Driven Blueprint for Chiros

Scott Campbell, Chris Scheele — Thu, 04 Dec 2025 14:00:00 GMT

Should you try to time the market or just stay invested? In this episode, we break down why successful investing isn't about finding the next hot stock or timing market crashes—it's about sticking to a strategy that already works. We explore the three fundamentals of evidence-based investing, why professional fund managers can't consistently beat the market, and how emotions destroy more wealth than bad investments ever could. If you've been waiting for the "right time" to invest or wondering if your strategy is too simple, this episode will change how you think about building long-term wealth.

Chapters:

0:00 - Welcome back & New Zealand highlights
2:05 - Why we finally need to talk about investing
4:10 - Why we invest in the first place
7:58 - The three fundamentals: Why investing is "solved"
10:34 - Active vs. passive management explained
15:05 - The March 2020 story: When timing the market backfires
19:52 - The emotional roller coaster of investing
25:16 - What evidence-based investing really means
29:34 - Setting up your investment strategy
31:18 - Common objections: "It feels too simple" & "What if markets crash?"

📊 Take the Financial Clarity Assessment

📸 Follow Scott Campbell on Instagram

🌐 Learn more about Align Wealth

015 | The Most Debated Money Topics (And Where We Land)

Scott Campbell, Chris Scheele — Thu, 15 Jan 2026 18:46:29 GMT

Why do personal finance topics get so heated? In this episode, we tackle five controversial debates that often spark intense disagreement—renting vs. buying, dividend investing, the FIRE movement, permanent insurance, and more. We break down the math, the emotions, and the identity pieces that make these topics so polarizing.

From understanding why renting isn't "throwing money away" to exploring the hidden costs of homeownership, debunking dividend investing myths, and examining the extreme frugality of FIRE, we're giving you both sides so you can make informed decisions that work for YOUR life—not what society tells you to do.

Chapters:

0:00 - Intro & Updates (RIP Tamagotchi)1:11 - Why These Topics Are So Controversial1:29 - Renting vs. Buying: The Identity Question14:43 - Dividend Investing: Free Money or Tax Trap?23:33 - FIRE Movement: Financial Independence or Life Sacrifice?29:52 - Permanent Insurance: Investment Strategy or Oversold Product?36:40 - Wrap Up: Personal Finance is Personal

📊 Take the Financial Clarity Assessment → https://alignwealth.scoreapp.com

📸 Follow Scott Campbell on Instagram → www.instagram.com/scottcampbell.fp

🌐 Learn more about Align Wealth → www.alignwealth.ca

008 | Money, Marriage & Communication: The Framework Every Couple Needs to Stay Align

Scott Campbell, Chris Scheele — Thu, 20 Nov 2025 14:00:00 GMT

Why does financial alignment with your spouse matter more than perfect investment returns or tax strategies?

In this episode, Chris and Scott break down why the happiest couples aren't necessarily the richest—they're just the most aligned. Drawing from real client examples, they explore what true financial partnership looks like and share the powerful 5Cs framework for making major financial decisions together.

Whether you're the spreadsheet person or not, this conversation will help you build a stronger financial team with your partner.

CHAPTERS:

00:00 - Introduction

00:20 - Why Financial Alignment Matters More Than Returns

01:27 - What an Aligned Couple Looks Like

03:26 - The Disconnected Couple: Red Flags to Watch For

05:07 - Money Fights & Divorce: Why Even Billionaires Struggle

06:47 - Minimum Financial Knowledge Every Partner Should Have

08:25 - Getting Aligned on Vision, Spending & Visibility

11:15 - Communication, Roles & Division of Labor

12:52 - The 5Cs Framework for Financial Decisions

21:04 - Consequences: Best & Worst Case Scenarios

23:09 - Common Objections: "My Spouse Isn't Interested"

27:00 - What to Do When Money Talks Cause Fights

28:11 - Key Takeaways & Action Steps

📊 Take the Financial Clarity Assessment Here

📸 Follow Scott Campbell on Instagram

🌐 Learn more about Align Wealth

001 | What Success Really Looks Like for Chiropractors (and How to Get There)

Scott Campbell, Chris Scheele — Fri, 10 Oct 2025 02:27:56 GMT

You’re seeing patients, paying bills… but does your financial life actually feel stable? In this kickoff episode, Scott and Chris unpack what success really looks like for chiropractors—and how to build it on purpose.

You’ll hear the big outcomes we want for every chiro: confidence in decisions, systems that make cash flow calm, an investment plan you can stick to, and the peace to focus on the impact you care about—without sacrificing your future self.

If you’ve ever felt “busy but broke” or unsure what to do next, this episode gives you a clear picture of the destination and the first simple step to get moving: awareness.

Highlights

00:00 – Why start with the end in mind

03:31 – Confidence: making strong practice & life decisions

06:36 – Systems over budgeting: cash flow you can trust (practice + personal)

07:43 – “Living the dream”: designing a life that matches your values

11:02 – Investments: the real edge is sticking with the plan

13:59 – Peace of mind so you can do the work you love

15:26 – “Enough” and work–life balance for owners

17:48 – The first step: get awareness of where money goes

18:38 – Wrap + what to do next

If this helped, share it with another chiropractor and leave a quick rating so more docs can find the show.

007 | The 3 Big Ideas from Die With Zero (and How to Apply Them Now)

Scott Campbell, Chris Scheele — Thu, 13 Nov 2025 14:00:00 GMT

Most people spend their lives saving for “someday.” But what if you’re saving so much for the future that you’re missing the best years of your life right now?

In this episode, Scott and Chris unpack the core ideas from Die With Zero by Bill Perkins — how to find the balance between living fully today and planning responsibly for tomorrow. They dive into the relationship between money, health, and time; how to build life “buckets” for experiences; and why the most thoughtful inheritance might be the one you give (or live) while you’re still here.

If you’ve ever wondered how to spend intentionally without guilt — or when you’ve finally done enough saving — this one’s for you.

Take the Financial CLARITY Assessment here.

Start Here: The Chiro Money Show - Teaser Episode

Scott Campbell, Chris Scheele — Thu, 09 Oct 2025 22:14:07 GMT

Welcome to The Chiro Money Show! In this short teaser episode, we introduce ourselves (Chris & Scott), share why we launched this podcast, and what you can expect from upcoming episodes. Our mission is simple: help Canadian chiropractors make smarter financial decisions so you can build stability, profitability, and a lifestyle you love.

009 | Investment Biases That Hurt Chiropractors (And How to Avoid Them)

Scott Campbell, Chris Scheele — Thu, 27 Nov 2025 14:00:00 GMT

Why Your Investment Returns Are Lower Than You Think (And What To Do About It)

Most investors believe success comes from picking winning stocks or timing the market perfectly. But the data tells a different story: the average equity investor earns 2-3% less per year than their actual investments return. The culprit? Human behavior.

In this episode, we break down the most common behavioral biases that sabotage long-term investment success—from overconfidence and recency bias to the sunk cost fallacy and home country bias. Through real conversations with chiropractors and clients, we reveal how these mental traps show up in everyday investing decisions and, more importantly, how to build a strategy that keeps you on track.

If you're serious about building wealth, this episode will shift how you think about investing forever.

Chapters:

00:09 - Welcome & Introduction

02:45 - The Behavior Gap: Why Investors Underperform Their Own Investments

05:20 - Seven Common Investment Biases Explained

08:15 - Real Story #1: The 100% US Equity Investor

11:30 - Real Story #2: All-In on Cryptocurrency

14:45 - Real Story #3: Holding Onto Losing Stocks

17:20 - Home Country Bias: Why Canadians Overweight Canada

20:35 - Seven Takeaways for Better Investing

26:10 - Closing Thoughts & Mailbag Invitation

📊 Take the Financial Clarity Assessment Here

📸 Follow Scott Campbell on Instagram

🌐 Learn more about Align Wealth

005 | Salary vs. Dividends: How to Pay Yourself Like a Pro from Your Corp

Scott Campbell, Chris Scheele — Thu, 30 Oct 2025 12:00:00 GMT

Salary vs. dividends—what’s the smartest way for an incorporated chiropractor to pay themselves? In this episode, Scott and Chris break down why treating your corp like an ATM creates CRA surprises, how the “dividend tax trap” happens, and why predictable owner’s pay beats random draws. We unpack salary vs. dividends in plain English (CPP isn’t a “tax,” RRSP room matters), how Profit First helps stabilize your paycheque, and why the right answer depends on your stage of practice and a 30-year tax plan—not just this year’s refund. Canadian context throughout.

You’ll learn:
• How random draws lead to anxiety, lumpy saving, and surprise tax bills• A simple tax set-aside rule to avoid the dividend trap• When salary often wins (CPP + RRSP room + tax diversification)• Why lifetime tax planning > one-year minimization

Chapters:
02:00 Corp ≠ ATM08:30 The Dividend Tax Trap (+ an easy fix)12:45 Predictable pay → predictable investing16:00 CPP & RRSP realities (Canada)21:30 Tax diversification and future “levers”23:30 Think 30 years, not 12 months26:30 Takeaways + next steps

Take the free Financial CLARITY Assessment.

If you enjoyed this episode, please follow, rate, and share with a chiro friend!

002 | The Ongoing Struggle: Why Money Still Feels Messy (Even When You’re Winning)

Scott Campbell, Chris Scheele — Fri, 10 Oct 2025 18:47:03 GMT

You’re seeing patients all day, the clinic looks busy, and revenue’s higher than ever… but somehow, your paycheque still fluctuates — and the stress never goes away. Why does that happen, even when your practice looks successful from the outside?

In this episode, Scott and Chris unpack why more revenue doesn’t always equal more stability. They dive into how inconsistent income, messy bookkeeping, and “bank balance decision-making” quietly create chaos — and share the system they use to help chiropractors finally take control of their pay.

You’ll hear how simple financial structures (like consistent pay, clear accounts, and a 12-month P&L review) can bring calm to your clinic and confidence to your personal finances. No jargon. No spreadsheets. Just clarity.

Share this episode with another chiropractor who’s ready to stop reacting and start leading their finances with intention.

Timestamps
00:00 – Why money still feels messy, even when practice is good
03:40 – The myth of “out-earning” your problems
08:13 – Why inconsistency causes stress
10:17 – How to create a steady paycheque
15:19 – What to review on your P&L
18:54 – The power of separating business and personal expenses

003 | Cash Flow Clarity for Chiros- How Profit First Works (Step-By-Step)

Scott Campbell, Chris Scheele — Thu, 16 Oct 2025 09:00:00 GMT

What Profit First Looks Like In a Chiro Practice (Without the Headaches)

Ever log into your clinic account, see one big number, and make decisions from that alone? That’s bank balance accounting—and it’s why cash flow feels chaotic. In this episode, Scott and Chris break down a simple, behaviour-friendly system (inspired by Mike Michalowicz’s Profit First) that turns your banking into a clear dashboard: profit, owner’s comp, expenses, taxes, and a vault for stability.

You’ll learn how to set up the six key accounts, choose starting allocation percentages, create an allocation rhythm, and use real-time feedback to rein in overhead, avoid tax surprises, and pay yourself consistently. We also share a couple of baby steps so you can start today.

Highlights
00:00 Intro and why cash flow comes first
04:14 Scenario 1 vs. 2: bank balance accounting to dashboard clarity
08:35 Why we use Profit First and what it is
10:44 The small plates idea and the turkey analogy
19:11 The six accounts you need
24:03 Picking allocation percentages that fit your clinic
27:17 Your monthly rhythm for transfers
28:24 Outcomes: fewer tax shocks, higher owner’s pay, better control
32:54 Baby steps: start with one Profit or Tax account

If this helped, share it with a chiropractor who’s ready for calmer cash flow and leave a quick rating so more docs can find the show.

Resource! PDF to Profit First Structure

006 | How to Finally Get Control of Your Personal Spending (Without a Budget)

Scott Campbell, Chris Scheele — Thu, 06 Nov 2025 14:00:00 GMT

Most chiropractors don’t need another budget—they need a system that actually works with how humans spend.

In this episode, Scott and Chris break down behavioural cash flow planning—a practical system designed to help you spend better, stress less, and finally feel in control of your money.

They’ll walk through a real case study to show how separating your committed expenses from your spendable money creates clarity, confidence, and progress toward your goals.

Whether you’re tired of tracking every dollar or just want a better way to manage your finances, this is your roadmap to financial calm.

Take the Financial CLARITY Assessment here.