Strategic Allocation for Financial Freedom and Practice Growth
Despite a high AGI of $350,000, Anya feels stretched thin due to $280,000 in student loans, maxing out her 401k and backdoor Roth IRA, and the ongoing operational expenses of her medical practice. She struggles to determine the optimal allocation of her discretionary income between debt repayment, practice expansion (potentially hiring an additional agent), and personal savings, causing anxiety and hindering her long-term financial planning.
Using the Discretionary & Disposable Income Calculator, Anya quantifies her truly available funds after accounting for all fixed expenses, taxes, and mandatory savings. This reveals approximately $50,000 of discretionary income annually. Paired with the Agent Labor Arbitrage Calculator, she assesses the ROI of hiring an additional medical assistant versus accelerating student loan repayment or increasing personal investments, ultimately deciding to allocate $30,000 towards debt repayment and $20,000 towards her own financial goals based on the calculator's insights.
The Discretionary & Disposable Income Calculator allows Anya to input her income, expenses, and savings contributions to quickly calculate her available funds. The Agent Labor Arbitrage Calculator then assists in evaluating the financial implications of hiring additional staff, factoring in salary, benefits, and projected revenue increase.
$150,000 in projected student loan interest savings and increased personal investments over the next 5 years.
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