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About Josh
Hi, I’m Josh—the owner of Fiscal Clinician. My personal finance journey started early, as I’ve been learning, saving, and managing money since I was 13 years old. By 17, I was budgeting and investing in index funds, thanks to the guidance and resources my grandfather and family shared with me. Those early lessons laid the foundation for my lifelong focus on financial freedom and allowed me to completely cash-flow my Doctor of Physical Therapy degree without taking out any loans.
After getting married, my wife and I were faced with about $110,000 of graduate school debt. Determined to change our financial future, we made it our mission to work as a team and eliminate that debt as quickly as possible—and we paid it all off in just under a year.
As a physical therapy student and now practicing clinician, I had a front-row seat to the overwhelming debt and stress many healthcare professionals face during and after graduation. I began offering free coaching to friends and family and quickly realized how much I loved helping others gain control and confidence with their money.
What started as helping those around me turned into a calling. Seeing people feel empowered, motivated, and confident in their financial journey is why I started Fiscal Clinician. My mission is simple: to help healthcare professionals win with their money and build long-term wealth—without sacrificing the life they want today.
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