Watch for clarity. No pitch. No obligation.

For dentists who want clarity about cash flow—before deciding anything.  What if fixed debt payments were lower? Would it meaningfully change life or flexibility? 

Financially LED

Practice owners often uncover ~$5,000/month in spendable cash flow without changing how they practice.


Some keep it.

Some buy back time.

Lift. Expand. Deploy.

Only if it matters.

How Other Dentists Describe Their Experience

Dr. Steffany Mohan, DDS

Dr. Jamie Petersen, DDS

Dr. Sara Kohen Dean, DMD

Dr. Vera Marques, BDS, Lic Med. Dent.

If there’s one thing worth scanning:


What this is not

  • Not debt consolidation
  • Not austerity
  • Not complexity
  • Not investment advice
  • Not budgeting


It’s a way to understand cash flow behavior—before deciding whether anything should change.


Used by associates, owners, and multi-practice dentists.

Clarity first. Decisions later.


I think people are just focused on any excess capital they have going towards investments rather than paying down debt. What you learn is it doesn't have to be one or the other. Doing both is the best play. As I free up the cash flow by getting rid of these fixed payments, I have even more to invest.


Dr. Jon E, Missouri

Once Howard showed me my numbers, the math just made sense to work with him and Cash Flow Coaching. I saved DECADES of time to pay off my new house and hundreds of thousands of dollars in interest.


Brandon, Austin TX

Once I got everything optimized with cash flow coaching, my house payment went from a fixed $2160 per month to my most recent house payment being $125.62! I wish I knew about this sooner.


Tim, Cedar Park, TX

I first had the chance to learn about Cash Flow Coaching from Howard in 2019, and after sitting down with him, and having him walk me through each step, and show me the numbers and math behind the method, I can say that not only was I very impressed by the method itself, but how carefully Howard laid out the process and the math. His client pre-screening tells you all you need to know about working with Howard. He wants to make sure his clients benefit from working with him and refuses to work with someone he doesn’t know he can help. When I buy my first house, you can bet I will be calling Howard.


Thomas, Austin TX

I think people are just focused on any excess capital they have going towards investments rather than paying down debt. What you learn is it doesn't have to be one or the other. Doing both is the best play. As I free up the cash flow by getting rid of these fixed payments, I have even more to invest.


Dr. Jon E, Missouri

Once Howard showed me my numbers, the math just made sense to work with him and Cash Flow Coaching. I saved DECADES of time to pay off my new house and hundreds of thousands of dollars in interest.


Brandon, Austin TX

Dr. Howard Polansky, DMD, MBA

Dr. Howard Polansky, DMD, MBA

"Dentistry gave me a great living—𝙪𝙣𝙩𝙞𝙡 𝙞𝙩 𝙖𝙡𝙢𝙤𝙨𝙩 𝙩𝙤𝙤𝙠 𝙩𝙝𝙚 𝙧𝙚𝙨𝙩 𝙤𝙛 𝙢𝙮 𝙡𝙞𝙛𝙚." 

After 16 years in practice, a family health crisis forced a hard reset. I sold the practice and rebuilt my approach to money from the ground up. 𝗧𝗵𝗲 𝗿𝗲𝘀𝘂𝗹𝘁: 𝗺𝘆 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗳𝗲𝗹𝗹 𝘁𝗼 $𝟮𝟰.𝟭𝟵 𝘂𝘀𝗶𝗻𝗴 𝗮 𝗰𝗮𝘀𝗵-𝗳𝗹𝗼𝘄 𝗺𝗲𝘁𝗵𝗼𝗱 𝗜 𝗻𝗼𝘄 𝘁𝗲𝗮𝗰𝗵.


Today, I help dentists become 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹𝗹𝘆 𝗟𝗘𝗗.


No plan. No pressure.

My $24.19 Mortgage Payment

This isn’t a claim or a promise.
It’s a record.


The statement above shows a mortgage payment of $24.19, dated September 21, 2018, after applying the same cash-flow method shown on this page.


Skepticism is reasonable. Most dentists would question this immediately — and should. That’s why this is shown in black and white rather than explained away with theory.


This outcome came from changing cash-flow behavior, not increasing income, cutting lifestyle, or taking financial risk. It also won’t apply the same way to every situation.


For some dentists, simply reviewing how cash moves through their system is enough to create clarity.


No plan. No pressure.
Clarity first. Decisions later.

From Uncertainty to Clarity

Some dentists reach this point wanting answers.
Others are simply trying to understand whether anything needs to change.


This quiz offers a private way to see how cash is flowing today.


No advice.

No obligation.

Nothing expected.


Just information.