ER Doc Advisor - Financial Planning & Taxes for Emergency Physicians

Ep 53: The MedSpa Owner Debt Stack

Most financial advice talks about what to add to your life to feel better — more income, more investing, more optimization. But for many MedSpa owners, the bigger issue is not what you are missing… it is what is quietly stacking against you.

In this episode, we step back and look at the less obvious forces shaping a MedSpa owner’s financial reality over time. Not with fear, not with rules — just a clearer lens on how today’s decisions echo into future flexibility.

WHAT YOU’LL LEARN:

  • How debt quietly compounds beneath a growing MedSpa business.
  • Why “good debt” can change meaning over time.
  • What happens when student loans meet business leverage.
  • How multiple financial layers reshape personal flexibility.
  • Why high revenue doesn’t automatically equal financial control.
  • How debt normalization shifts decision-making.
  • What early, mid, and late-stage owners face differently.

Tags:

medspa, cash flow, student loans, SBA loans, equipment financing, business leverage, personal guarantees, financial flexibility, medspa financial planning

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