After 16 years of dental practice and a life-altering family emergency, Howard Polansky made a bold career shift to help high-income professionals rethink their finances and reclaim their freedom. In this conversation, Tim and Howard explore how burnout led Howard to walk away from dentistry and toward a unique financial strategy that’s helping others live on their own terms.
Howard breaks down his debt acceleration system—using lines of credit, not traditional debt consolidation—to pay off major debts like mortgages, student loans, and business loans much faster. He also shares how these tools can be used to build "opportunity funds" and why understanding simple vs. amortized interest is key.
Whether you’re a doctor, dentist, or professional feeling trapped by debt and golden handcuffs, this episode will open your eyes to new possibilities for financial freedom.
What You’ll Learn in This Episode:


The 2x4 moment that changed Howard’s life and career


How moving money strategically helps reduce interest and increase flexibility


Why lines of credit—even at higher interest rates—can be powerful tools


Real-life examples of clients saving thousands and freeing up cash


How permanent life insurance and lines of credit work together


The difference between paying off debt and creating options for the future


Links Mentioned:


Howard’s 3-Minute Cash Flow Quiz: https://leakingcash.scoreapp.com


15-Minute System Explainer Video: https://www.youtube.com/watch?v=2yPMnHdNJfA


Watch this episode on YouTube: https://youtu.be/Rf-0a-kgAwo


--------------------------------------------- Interested in being part of this? Please visit our guest invitation page where you can learn more and fill out a brief questionnaire to get started: https://phoenixprosperitypodcast.com/guest It’s going to be enlightening and, most importantly, a lot of fun. I’d love for you to be a part of it!

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