Hi there! I'm a financial planner for therapists! I help therapists navigate every element of their financial lives and make financial decisions with ease and confidence – both in your practice and your personal life.
Well… hi again 👋
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Hello Reader, If you’re getting this email and thinking, “Wait… who is this person and why are they in my inbox?” — totally fair. You did actually sign up for my newsletter. It’s just been a really long time since I last sent one. (April of last year, to be exact.) Life got busy. Work got busy. I got distracted. And even though I genuinely like writing these emails, the longer I put it off, the bigger it became in my head. More expectations, more pressure… and more reasons not to hit send. At some point I finally realized: The only way back in is to… get back in. Imperfectly. Which, of course, has a pretty direct parallel to money. Most of us — myself included — go through stretches where we:
And the longer that gap lasts, the harder it feels to re-engage. Not because it’s actually that complicated — but because of the story we’re telling ourselves about it. So that’s really all I wanted to share today. It’s still early in 2026 (happy new year, by the way 🎉), and my question for you is a simple one: What’s one thing — finance-related or not — that you’ve been avoiding or neglecting… and what’s one small, easy step you could take to move back toward it? Not fixing everything. Not “getting on top of it all.” Just one small step. That’s enough. I’m planning to be back in your inbox more regularly this year, and I’m genuinely excited about that. And as always, feel free to hit reply — if something’s on your mind, if you have a question, or if you just want to say hi, I’d love to hear from you. Talk soon, |
David W. Frank
Hi there! I'm a financial planner for therapists! I help therapists navigate every element of their financial lives and make financial decisions with ease and confidence – both in your practice and your personal life.
Hello Reader, I like to think I pay pretty close attention to things like inflation. But it floored me recently when I found out inflation over the last six years has been 28%. I’ll repeat that for everyone in the back. 28%. Yup, that’s correct. Not a typo. You can check it out for yourself here. That’s kind of nuts. We tend to think of inflation as background noise — a little high one year, a little low the next, mostly irrelevant to the actual decisions we’re making. But 28% over six years...
Hello Reader, Two things I genuinely enjoy in my free time (which may say something about me): reading Buddhist books… and listening to investing podcasts. Recently, those two worlds collided in a way that really stuck with me. I’ve been re-reading The Wisdom of No Escape by Pema Chödrön. One of the core ideas she explores is that we often try to escape discomfort — and that doing so isn’t all that wise. It isn’t that the things we use to distract ourselves are inherently bad. It’s that they...
Hi Reader, If you’re a practice owner (or self-employed in any way), I’m guessing this sounds familiar: “I don’t really have time for a conference.” “The money feels hard to justify.” “I’m not sure the ROI is actually there.” I have that same reaction all the time. Getting on a plane. ✈️ Staying in a hotel. 🏨 Stepping away from work that already feels endless. 😥 It almost never feels like the right time. And yet — some of the most meaningful insights I’ve had about my business never would...