Shows / MedSpa Money Matters
MedSpa Money Matters
MedSpa Money Matters is your go-to resource for mastering the financial side of MedSpa ownership. Hosted by Scott Wisniewski and Jonny McMullen, this podcast is designed to bring clarity to your finances so you can focus on growing your business. From financial planning, bookkeeping and taxes to fractional CFO services, Scott and Jonny provide expert insights to help you navigate the unique challenges of running a MedSpa. Whether you want to improve profitability or simply make sense of your…
Episodes
MedSpa Money MattersEp 88: Should You Buy Down Your Mortgage Rate? When Paying Points Actually Makes Sense
Today's mortgage rates are creating financial decisions that weren't nearly as common or as important just a few years ago. Buyers are having to think more…
MedSpa Money MattersEp 87: Midterms, Markets, and Your Money: What History Actually Says About Election-Year Investing
With the 2026 midterm elections approaching, investors are once again asking what the results could mean for their portfolios. Election years bring plenty of…
MedSpa Money MattersEp 86: Should You Buy a House at 7.5%? The 2026 Rent-vs-Buy Reset
The housing market looks very different today than it did just a few years ago, and the traditional rules around renting versus buying deserve another look…
MedSpa Money MattersEp 85: Before You Convert That IRA, Figure Out Who the Money Is Actually For
Roth conversions are often treated like an automatic win, especially once income drops in retirement. But the better question isn't just whether you can…
MedSpa Money MattersEp 84: K-1s, REITs, and the Real Cost of Alternative Investments
Alternative investments often look especially attractive to high earners because they promise something traditional portfolios don't—different return streams…
MedSpa Money MattersEp 83: Are Bonds Broken? What the Worst Decade in Treasuries Really Means
For years, bonds were viewed as the boring, dependable part of a portfolio—but the last decade has challenged that assumption in a big way. What happened…
MedSpa Money MattersEp 82: Asset Protection in an Exceedingly Uncertain World
Most people spend a lot of time thinking about how to build wealth and surprisingly little time thinking about how quickly it can be disrupted. In periods of…
MedSpa Money MattersEp 81: The High-Earner Efficiency Playbook — Stop Optimizing Only for Money
High earners spend a lot of time thinking about how to optimize their finances, but far less time thinking about how efficiently the rest of their life…
MedSpa Money MattersEp 80: Your MedSpa Did $2 Million Last Year. How Much Should You Have Taken Home?
A MedSpa can do $2 million in revenue and still leave the owner wondering where all the money went. Revenue is only the starting point—the real question is…
MedSpa Money MattersEp 79: Sitting on a Huge Stock Gain? The Tax Rules Could Be Changing
Taxes have a way of influencing investment decisions long before a return is ever filed. Sometimes the cost of making a change is enough to keep investors…
MedSpa Money MattersEp 78: The Art of Doing Nothing
Investing often feels like it should require constant decisions, adjustments, and reactions. In reality, some of the most important progress happens when there…
MedSpa Money MattersEp 77: The Financial Foundations That Matter Most
Most financial conversations eventually drift toward advanced strategies, tax opportunities, or investment ideas. But long-term success usually depends on a…
MedSpa Money MattersEp 76: The Reverse Compounding Trap: How Small Side Bets Quietly Destroy Wealth
Some of the biggest threats to your wealth do not look especially dangerous at first. They often show up as small side bets, idle cash, or "smart" strategies…
MedSpa Money MattersEp 75: The Student Loan Recertification Loophole… or Is It?
Every so often, a strategy starts circulating that sounds almost too good to be true. It sits in that uncomfortable space between legitimate planning…
MedSpa Money MattersEp 74: Revisiting Trump Accounts Now That They're Live
Every so often, Congress introduces a new savings vehicle that generates a lot of headlines, a lot of excitement, and even more opinions. Some people…
MedSpa Money MattersEp 73: Giving Active Managers the Benefit of the Doubt
Active management has always been marketed around the promise of expertise: smarter research, better timing, and the ability to avoid the market's biggest…
MedSpa Money MattersEp 72: From Profitable Practice to Lasting Wealth: What to Do With Extra Cash
Once a MedSpa owner reaches a point where the basics are handled, the next financial decisions usually become less obvious. At that stage, the question is not…
- MedSpa Money Matters
Ep 71: Social Security, S Corps, and the Payroll Tax Tradeoff
Social Security is one of those topics most people know matters, but few people know exactly how to plan around it. For some, it feels like a promise they've…
- MedSpa Money Matters
Ep 70: SpaceX and the Index Dilemma
Index funds are often presented as the simple, neutral way to invest: buy the market, keep costs low, and stay diversified. But every index has rules, and…
- MedSpa Money Matters
Ep 69: The Evolution of MedSpa Marketing: What's Working Now and What Doesn't
If you've been in the aesthetics industry for any length of time, you've probably noticed that the marketing playbook seems to change every few years…
- MedSpa Money Matters
Ep 68: How Much Money Do You Actually Need to Start a MedSpa?
Starting a MedSpa is one of those businesses that looks much simpler from the outside than it actually is. People see the treatments, the branding, the…
- MedSpa Money Matters
Ep 67: I Have $5 Million… So How Much Can I Actually Spend?
Most people think retirement is just about hitting a certain portfolio number. But what often gets overlooked is what that number actually translates to in…
- MedSpa Money Matters
Ep 66: Navigating Inherited Wealth
There's a major financial shift quietly unfolding right now that's likely going to impact millions of families over the next couple decades. And while most…
- MedSpa Money Matters
Ep 65: How Often Should You Check on Your Investment Returns?
How often should you log into your investment account? Daily? Weekly? Monthly? What if I told you that checking too often can actually make you feel worse —…
- MedSpa Money Matters
Ep 64: The Biggest Threat to Your Portfolio Isn't the Market
What if the biggest risk to your investments isn't the market—but something much closer to home? Today, we're diving into a factor that quietly changes over…
- MedSpa Money Matters
Ep 63: The 4 Most Brutal Financial Mistakes We've Seen
In nearly 15 years of working with clients, four financial mistakes stand out above the rest that we want to talk about today. What most people don't realize…
- MedSpa Money Matters
Ep 62: Why You SHOULD Live Paycheck to Paycheck
If you hear the phrase "living paycheck to paycheck," you probably associate it with stress, scarcity, and survival. It's the image of someone barely getting…
- MedSpa Money Matters
Ep 61: Cheating Without Another Person: The Truth About Financial Infidelity
Financial infidelity is one of those things that most people don't even realize they need to be thinking about. It doesn't usually show up in obvious or…
- MedSpa Money Matters
Ep 60: Building a MedSpa That Works Even When It's Slow
If you own a MedSpa, you've probably felt it already. Over the last 4–6 months, things have shifted. Schedules that used to stay full are a little more…
- MedSpa Money Matters
Ep 59: What Story Does Your Data Tell?
Before we ever talk about strategies, tax savings, or investments… there's a conversation that matters more than anything else. It's the first conversation we…
- MedSpa Money Matters
Ep 58: Don't Ignore This Episode — The IRS May Owe You Money Right Now
What if we told you there's potentially money sitting in an IRS account with your name on it — money you already paid and completely moved on from, or a…
- MedSpa Money Matters
Ep 57: The Vanguard Illusion
For decades, Vanguard has been synonymous with smart investing. Low fees, simple portfolios, and broad diversification have become the foundation of how…
- MedSpa Money Matters
Ep 56: March 15th Is the New April 15th
We're coming up quickly on the March 15th deadline for S corporations and partnerships — and for many 1099 earners, this date doesn't carry the same simplicity…
- MedSpa Money Matters
Ep 55: Permission to Spend
Today's episode explores a simple idea that can completely reframe how disciplined savers think about spending. It's not about being reckless, and it's not…
- MedSpa Money Matters
Ep 54: Trump Account Deep Dive: Form 4547, Free $1,000, and What Comes Next
Today we're diving into a new account type that's been making waves in the personal finance world — a government-backed investment account designed…
- MedSpa Money Matters
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…
- MedSpa Money Matters
Ep 52: The Hidden Risks of Buying a MedSpa (And How to Price Them)
Buying a MedSpa can be one of the fastest ways to scale—or one of the fastest ways to inherit someone else's problems. On today's episode, we're breaking down…
- MedSpa Money Matters
Ep 51: The 4 Stages of Wealth Every MedSpa Owner Must Master
A MedSpa can generate incredible cash flow — but cash flow alone doesn't create wealth. In today's episode, we're looking at wealth planning through a more…
- MedSpa Money Matters
Ep 50: Understanding the QBI Deduction in 2026: A Guide for MedSpa Owners
If you're a MedSpa owner, the Qualified Business Income deduction—or QBI—can be a huge opportunity, but it comes with some tricky rules you need to understand…
- MedSpa Money Matters
Ep 49: The Hidden Tax Cost of Capital Gains for MedSpa Owners
For high-earning MedSpa owners, capital gains aren't just about investments. They're about control. The way gains stack on top of business income can change…
- MedSpa Money Matters
Ep 48: The Topics MedSpa Owners Care About Most — And What We're Focusing on in 2026
As we enter a new year — and approach the one-year anniversary of the podcast — we wanted to pause and take a look at what's actually resonated most with you…
- MedSpa Money Matters
Ep 47: How to Lose Millions by Winning a Million
At some point, almost everyone faces a financial decision that looks simple on the surface but carries consequences that stretch decades into the future. These…
- MedSpa Money Matters
Ep 46: Self-Directed IRAs for Real Estate: Why "Advanced" Doesn't Mean "Better"
There's been a surge in interest around self-directed IRAs (SDIRAs), especially for real estate investments. With younger investors seeking alternatives to…
- MedSpa Money Matters
Ep 45: New Year, New Limits — What 2026 Means for Your Retirement Strategy
The new year is coming up fast, and 2026 is bringing some major updates to retirement saving rules. These aren't small tweaks—many limits are jumping in ways…
- MedSpa Money Matters
Ep 44: Last Call for Tax Savings: What MedSpa Owners Must Do Before the Year Ends
As we head into the final stretch of the year, this episode is about the conversation many MedSpa owners end up having with us in April—when it's too late to…
- MedSpa Money Matters
Ep 43: Your Personal Finance Reset: What Every MedSpa Owner Should Review Before Year-End
Here we are again — the final stretch of the year. Whether you're running holiday promotions, closing out treatment packages, or taking a moment to breathe…
- MedSpa Money Matters
Ep 42: What MedSpa Owners Need to Know About a Potential Recession
Economic chatter has been getting louder, and whether it's on the news, on podcasts, or in group chats, the word "recession" gets thrown around a lot. But for…
- MedSpa Money Matters
Ep 41: The Real Work Behind Wealth: Serving the Humans Who Run MedSpas
There's a version of this job that would be a lot simpler. The kind where you manage portfolios, check performance once a quarter, and call it a day. No tax…
- MedSpa Money Matters
Ep 40: Health Insurance Decisions for 2026: A MedSpa Owner's Guide to Coverage, Costs, and Team Benefits
Between rising premiums and constant uncertainty in healthcare regulation — not to mention the back-and-forth around employer coverage requirements — a lot of…
- MedSpa Money Matters
Ep 39: The MedSpa Owner's Year-End Personal Checklist: What to Do Before December 31st
We're heading into the final stretch of the year — that time when everything gets busy, but the financial moves you make (or forget to make) can have a big…
- MedSpa Money Matters
Ep 38: When Politics Pause and Portfolios Don't
It's been over three weeks since the government shutdown began — now one of the longest in U.S. history. By the time this episode airs, Congress may have…
- MedSpa Money Matters
Ep 37: Your MedSpa Year-End Business Checklist: What to Do Before December 31st
As we approach year-end, this is the time to get your MedSpa's financial house in order. From reconciling accounts and organizing your books to checking…
- MedSpa Money Matters
Ep 36: The First-Year MedSpa Owner Playbook: How to Turn Early Success Into Long-Term Wealth
Every year, thousands of new MedSpa owners experience the same rush — that first wave of real revenue. You go from scraping together savings and startup…
- MedSpa Money Matters
Ep 35: Boom, Bubble, or Both? The Truth About AI Investing
Artificial intelligence is everywhere in the headlines, and many are calling it the biggest boom since the internet revolution. Some compare it to the dot-com…
- MedSpa Money Matters
Ep 34: What a Fed Rate Cut Means for Your MedSpa
The Federal Reserve's recent decision to cut interest rates has made headlines, and while it may seem like something that only affects Wall Street, the reality…
- MedSpa Money Matters
Ep 33: The Wrong Question About Retirement: Why "How Much Do I Need?" Misses the Point
We get asked all the time by MedSpa owners: "How much do I need to retire?" Surprisingly, the answer to that is actually, "You're asking the wrong question."…
- MedSpa Money Matters
Ep 32: Why MedSpa Owners Struggle to Spend After Success
Most MedSpa owners spend their careers building discipline — pouring profits back into the business, paying down equipment loans, maxing out retirement…
- MedSpa Money Matters
Ep 31: The Words That Build Trust: Communication Secrets for MedSpas
Running a MedSpa isn't just about great treatments or the latest technology—it's also about the conversations you're having every single day. From the way you…
- MedSpa Money Matters
Ep 30: Our Favorite Tax Strategies Under OBBB — These Will 100% Save You Thousands
If you're a business owner or high-income earner, the difference between a good year and a great one often comes down to what you keep — not just what you…
- MedSpa Money Matters
Ep 29: The Equity Sweet Spot: Why MedSpa Owners Can't Afford to Miss It
When it comes to long-term success, nothing moves the needle quite like exposure to the equity markets. For most professionals, the sweet spot for taking on…