Chiropractor's Wife!

Chiropractor's Wife!
Have Curves In All The Right Places?

Sunday, November 18, 2012

Graduation August 2008

My husband was awarded master of technique award in the Logan Basic technique and special mention for being an outstanding clinicians assistant at an awards breakfast the day before graduation. It was nice.

We sold our trailer and gave all the money towards the purchase of the business. We had already given the business owner we were buying from a significant amount down from saving extra borrowed tuition answer loan money. We still owed 30K even though we'd given him 20K. We found ourselves waiting for the state of Utah to get us the license. IN the mean time we put all of our posessions in my mother in laws garage. We thought they would only be there a month or two but there they stayed 19 months!

Due to the gag agreement in the details of what transpired between us and the original owner of the 6 yr old practice we purchased I can't tell you all about it but would LOVE to. Sparring details let me just say this involved a undisclosed lean, the original owner moving back within months, and family of the original owner owning our business lease. In RURAL UTAH!! Let's just say he feels cheated, and we felt cheated. Pretty standard right of passage from college graduation and the real world story. Sort of like my husband living a real life Pinocchio scene with no cricket at his side but his faith in Christ and me. Typical prey mentality that senior chiropractors have. Guilt free self serving BS. This post was started and saved as a draft for over a year. I resurrected and finished it today because I think it would serve the want to be chiropractor well. The best way to avoid this is to refrain from going to chiopractic school in the first place. That act alone will spare you from extremely limiting options thereafter!

Monday, June 11, 2012

The Grand Finale


My husband's basic desires going in to chiropractic in the first place was to help people, and to be able to provide for his modest little family. A millionaire once told him at one of his weekly chamber of commerce meetings that he diligently attended (until the dues ran out), "You need three things to be successful. You need passion, skill, and opportunity. If even one of these things are missing you won't succeed." One of my favorite comedians of all time Lucille Ball said, "Ability is of little account without opportunity." The truth of the matter is that there is not an abundance of opportunity in the chiropractic profession as it is today. You will hear differently and it will do nothing but build false hope and waste more of your time and money in the long run. Mark my word those making a viable living in this profession are the minority.



This is the truth and must be shouted from the top of every mountain so those entering the Chiropractic Schools are being informed. My husband with my support ignored all the negative nay sayers and stayed positive surrounding ourselves with expensive coaches, retreats, and resources to fuel our success. In the end we failed. We would have failed sooner had we not been so relentlessly positive! We wouldn't have lasted a month in practice with the mountain of odds that were stacked against us but we did. We practiced 26 months and always did our best. I can't say we don't have regrets reflecting back on it all but I can't say that it all wasn't for our own good.

He graduated in August 2008 with his DC. Now, with no current license to practice anywhere remains just another statistic at this point. I hope this Blog has helped at least ONE PERSON avoid the debt and disenfranchisement that is Chiropractic. Obviously I am an open book and happy to answer any of your questions about our experience.

It was very therapeutic to put our story into the form of a blog from my point of view. Should my husband resurrect his license and begin to practice chiropractic again I will resume posting. In the mean time I am laying this effort to rest. I tire of moderating the myriad of bullshit comments of people claiming to have read my blog when the comments/claims/and questions they present prove otherwise. This blog has always been my experience and opinion. No one can make this stuff up! Comments trying to disprove or put me or my husband down as a result have never been published. Even the many who have commented only to pimp out their chiro products or services.


Thank you to those of you who have followed my story sincerely and saw it for what it was.

Wednesday, May 30, 2012

License Renewal Fail

So am I still considered a "Chiropractors Wife" if Utah refuses to provide some sort of alternative to the fact that my husband falls short of the 40 required CE credits 10 of which can be online and 10 of which have to be Acupuncture? Risking the fact that he could get audited at any time just after a renewal and we don't have any shady friends that we know of capable of forging CE credit proof we made the mistake of contacting our state professional license board to see if we had any options which exposed us and guarantees that if we renew despite our short in hours we will get audited. So the choice was don't bring it up, stay quiet, pay the fees and lie hoping we don't get audited or bring it up and see if there are options we don't know about. For those of you who delight in our misfortune you will be pleased to know that they refuse to grant any provision for part time chiropractors. In fact, they let us know he is not to practice effective immediately through July until a hearing and appeal can be pursued. He is officially professionally castrated. Most professions require CE credits. In fact, I can't think of any licensed positions that don't. What pisses me off is the fact that all my professional colleague's as well as family over the years all have that provided for them by their employers. Even my dad who is aircraft maintenance for American Airlines is paid to sit though classes provided for him towards maintaining his license. Even comparable fields like DO, or MD positions are very often treated by their hospital networks to a menu of options throughout the year. Now to explain the reality of CE credits of a DC practicing in Utah. First of all it is and honor system. This means that the DC's here may or may not be meeting their hours. Take my husband for example. Utah has very, very, very few options as far as opportunities to obtain said CE credits. The internet is full of them but our state only allows 10 out of the 40 to come from that resource. Luckily we are close to Denver, Vegas, and California which are full of options. Should you settle on one of these or several of these destinations throughout your two year at a time frame you need to plan to pay for expenses which not only require fees for the event, but travel, room, food, and board. Even when owning a practice it was difficult to loose money shutting down and paying for these vacation like getaways in the name of CE credit. While my husband was in practice full time and we owned a clinic we had no choice but to make it happen even if it meant putting it on a credit card. This behavior is what can lead to bankruptcy. If one is practicing like my husband extremely part time...like adjusting 2 days a month it is hardly worth it. I am disgusted at the reality that has become chiropractic. Effective immediately I have decided to put full support behind his teaching and rock career. I intend to write the Tom Petty and ask for some connections in making that a reality. Flying my husband out for rock rhythm or lead guitar positions is far more worth it than this current sad
state of affairs. He is off all summer and the prospects are good. This fall he has a full teaching contract waiting for him if nothing pans out. Relationship wise, we have decided to do what we always do....cope with it by making love. Lot's and lot's of love.

Saturday, May 19, 2012

Summer Time=Part Time

I have decided to cut to part time at my job. I took a transfer within the company I work for to work 1/2 as much as I do now which is the worst timing because my husband has no income this summer. This fall he has a full time teaching contract and will get paid through next summer but not this one. Luckily we are proficient living lean and frugal. Being a chiropractor guarantees one will become experts at living at or below poverty level as defined by our federal government. I also expect this to be one of our families most memorable summers! Money doesn't mean happiness for us because we've hardly tasted what it feels like to have money at all so it is a non-issue. I guess we have become expert at hoping my husbands big break is right around the corner! I feel like his luck is going to change and we will all benefit and be ready for it. We are lucky to have really good kids who enjoy life as is. Our biggest desire is to take them to Disney Land in California this fall and it is possible if we play our cards right!

Wednesday, May 9, 2012

Hello Aunt Flow!!!!

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Non Ladies! Get that special lady in your life something unique for a change! This won't disappoint like a new drill would!

Tuesday, April 24, 2012

Big Ballin' Chiropractor

In a week and a day I will have been married to my husband for 10 years. I am so glad 1/3 of that marriage was me keeping our little kids quiet so he could study the many hours involved in completing requirements to be a doctor of chiropractic. Boy has it paid off! I am sporting a 4ct 3 stone diamond ring set in 2 toned 14K gold because I earned it! It wasn't easy filling out welfare applications for our family every 6 months to ensure he could keep his head down and focus on his studies to stay on track to graduate in 2008 on time! If any of you are ever in Salt Lake City, UT and want a ride I would love to take you somewhere in my 2012 Hybrid Toyota Highlander that is decked out with all the bells and whistles including back seat DVD player which comes in handy for our frequent road trips to Las Vegas and California! The weather has been so very nice lately. The landscaping in our front and back yard is really coming together especially since we've hired people this year to take care of it. After all, an acre estate isn't easy to maintain all on our own. My husband is thinking about installing a lovely area where we can host social gatherings and perhaps include a jacuzzi. Now that our kids are getting to both be school age this fall I have decided to hire a personal trainer, personal chef and massage therapist to maintain my wellness regimen! I'll see you at the Whole Foods market since it is the ONLY place I shop these days which is a far cry from my local chain grocer I was use to! Let me know if you ever want to join us skiing next season. We are season pass holders to Alta and we own a cabin in Park City with a couple other friends so accommodating you wouldn't be entirely out of the question! My husband is half way done obtaining his pilot license. Hopefully the same friends we own the cabin with will go in on a small plane as well so we can take turns flying all around! Being married to a chiropractor is THE BEST!!

Tuesday, April 17, 2012

Seeing Is Believing

In case you don't follow my husband, the Chiropractor, has resorted to earning a living through teaching via our states education department's alternative route to licenser. You see when one finishes their doctorate degree in chiropractic with a bachelors in life science you would think he could teach anything. He has been teaching astronomy and chemistry this year and making more than ever than chiropractic ever paid him. Well, it has been a colossal undertaking to keep the fulfillments of the ARL and pay their fees. Recently he took some math tests and the chemistry and was up for re-evaluation. They re- requested undergrad transcripts from his pre chiropractic school to determine his ability. Sadly, this is what he was told today:

To: Dr Chiro Husband
ARL recently received your UVU and Dixie State College transcripts which you asked us to review again to see if you were eligible for ARL in Math 3 yet. As of 4/9/12 USOE’s Licensing has changed the the eligibility requirements to teach Math in ARL (see below). You are not currently eligible to for ARL in Math and we were only able to count your Calculus I course because your Calc. II course at UVU did not earn a “C” (not C- or below) grade. At this time your current position is part time in Chemistry and Math and the Chemistry portion in which you are eligible for ARL is not 50% of a full teaching day to qualify for the ARL program. Please let us know if this changes when you receive your new teaching assignment on Cactus for the 2012-13 upcoming year after July 1st.

Please tell me this entire post chiropractic reality is just one joke! I affectionately responded to my husband's forwarded email for my review this response:

F@#$ THEM. Just go back to school part time or full while you teach. I will support us for as long as you wish. PHD in math?? Go for it babe. F$%# them all. I got your back. Apply to U of U and shoot for the stars!-Chiropractors Wife

I am beside myself in the first place that they by and large disregard ALL classes from Logan University where my husband spent over 100K and 4 years of his life (year round which equals 5 academic years +his 2 semesters of advanced science credits he took there) only to basically be in the same boat as he was when we first met 10 years ago! Regrets? Only a few.

UPDATE: Today now is 11/18/2012 and my husband is going on 2 years of teaching in the ARL program and has yet to be considered one step closer to a teaching license. He met with the powers at be 2 weeks ago and they told him it is because he is not teaching at least 3 chemistry classes. Rather, he has been teaching 2 for almost 2 years in addition to math, anatomy and physiology as well as Astronomy. None of which, at this point, they recognize him as eligible to teach at all. Therefore, he is nowhere fast. He is not without hope. He is about to take a math Praxis and apply to the University of Utah's SMART program in an attempt to expedite his ability to teach legally in this state's secondary education arena.

Tuesday, March 27, 2012

The Fifth Element

Love? No. Money! When one is told they will be legitimate players in the post graduate field of Chiropractic as licensed physicians one is eager to stop by financial aide and happily sign the promissory notes involved year after year with delight! Little did they know that those astronomical fees and expenses related to becoming said provider will prove fruitless. We made the mistake of feeling like we would be the exception. We would defy the nay sayers and prove them all wrong by growing a spectacular clinic in the peak of a deep recession and defy all the odds coming out on top. Boy were we wrong! It feels like we traded our last and best beef cow for a bag of magic beans. Magic beans that didn't do anything but grow a weak vine withering away never to bare fruit. Coaches and practice management gurus come from far and wide to offer us their crop saving methods for a price only to further mock and tarnish the hope that was Chiropractic.

Boo!!!!!

We reap the benefits of chiropractic care but that doesn't pay the bills. Raising the price on such an education is a scam. I know my husband's chosen profession is not the only one that feels this way but DAMN!!!!

Saturday, March 17, 2012

Broke Doctors Anonymous

There should be a safe place to be honest about being a licensed physician and broke. I've talked about bankruptcy before and we are JUST finally getting around to it. I turned in all of our paperwork and most of the fees yesterday. We also had the pleasure of paying my husbands mal practice insurance again. It felt like we just barely paid it!? Oh, wait, I already mentioned that in my last post! Forgive me!!!
I found myself digging into my dear husband yesterday with spite and full fledge PMS hissy fit about how he has never been able to provide for our family. It turns out to be a tad absurd considering I stayed home the entire year last year unemployed and carefree. Leave it to PMS to bring to pass hidden resentments about the path we have walked together.
I honestly feel like my husband can't catch a break. By no fault of his own, besides perhaps not being willing to just grab everyone who crosses his path off the street and force them into being his patient, he seems to not be in demand whatsoever. I wonder if what I am witnessing is a slow demise of his chosen profession and a dying desire to offer people a service nobody thinks they need. I sure hope me taking a great full time job doesn't mean we get to pay a house payment in student loan payments monthly ever ensuring we remain living in cramped dwellings henceforth.
Besides all that he just started teaching his Astronomy unit and loves it. I love seeing him excited about teaching and sharing his knowledge with young minds most usually unwilling to receive. In this case, doctor means teacher and teacher means broke!

Friday, March 2, 2012

Beware The Ides of March

We are finally getting around to filing bankruptcy. Man oh man is it an ordeal. We figured the second law suit slapping us meant that it was time. I have found great representation and they tell me we have an open and shut case. I am actually looking forward to it and NOT looking forward to it all at once. I have recently taken a full time job and completely moved on with my life beyond Chiropractic Clinic ownership. In fact, it is a funny ole fact that I have unresolved left low back pain for weeks and weeks and make for a rather crappy patient.
I don't know how many times I bug my husband to adjust me an then fail to keep my arranged time. I am the WORST patient. Who knew?
I know for a fact RN's and MD's make for terrible patients too. Funny ole world!

Another funny moment to share was the fact that my husband went to get adjusted at his old clinic where he associated last year and the doc there said 2 large unfriendly men were looking for my husband! SCARY! Can we say, busted knee caps anyone? Honestly, we do owe a ton of money from the old commercial real estate 5 yr lease we signed so I don't blame people for hunting him down but it is scary stuff!

Life is good. We just got to pay the premium again on mal-practice insurance. I am tired of paying that quite frankly. It's like a car payment or something quarterly.

I think about Navy Seals and such how you try out for that and you know going in only a pool of the best and brightest make it. In chiropractic, even if you are the best and brightest bookwise and skillwise like my husband was, you are not guareenteed to make any money. What's tradgic is you are under the assumption that although not everyone makes it that it is a viable career choice worth 30K a year for years and years! When I asked the attourney about trying to get student loans dropped he said he tried once and had a pretty good case but failed. Sigh. We live in Utah so it would be even harder to get the private loans dropped!

Tuesday, February 14, 2012

US DEPT OF TREASURY Valentine

Today is Valentines day. Happy Valentines day! The US Dept of Treasury kept all x thousand of our tax return and put it towards that old SBA loan we took out when we bought our practice. It wouldn't sting at all if it weren't for the fact that 2/3 of that money actually went towards a lien that the business had on it that we knew nothing about. Man we were so stupid! The other third went to payroll and operating expenses which we actually needed ALL of the loan for. We are thankful the Government gave us a shot at a small business administration backed loan. I wish we would have turned it down when they said, "Sure but for business acquisition only." We needed money to run the business and buy it but we had worked out payments with the owner. As you can imagine when we naively said yes and signed the line the owner was ecstatic to get paid and free of his 20K debt. So we found ourselves in the same boat of struggling day to day to stay in business while the owner was paid. To this day I am sure he still believes we owe him money. Sad huh?
Anyhow, I only resurrect these events to shed light on the Valentine gift from the US Government. I am sure we get to do this the next 20 years to boot. I won't complain. It is worth it when we consider all the federal student loans they will ultimately forgive in 25 years. Well worth all of our tax returns. Modern slavery in action.

Tuesday, January 17, 2012

Divorce

Whenever one starts a relationship with someone a seed is planted. Where, and to what extent that seed is nurtured determines the quality of growth in the relationship.

I didn't threaten to leave my husband until well over a year after graduation from chiropractic school! I was working at his side diligently to build our practice and we were an awesome team. The first time I threaten to leave him was from the fact I had just taken a job to help remodel the local Wal Mart full time and had to balance making meals for our family and cleaning up after our little family and and and and. Before, I was helping with housework indiscriminately because I had the time! Little did I know my efforts to balance everything was offending my mother in law whom's basement we resided. She confronted me one day saying that I had left a dish or a fork or something unwashed and she didn't understand why. My husband was washing walls, a task she assigned him, while overhearing her confronting me and said nothing. I don't think I have ever left a dish and a spoon in my life so mulling it over it dawned on me my own husband had done the dishes last so I told my mother in law so. My husband followed me down stairs and I wanted to know why he didn't stick up for me on this matter and then he accused me of something so out in left field that I looked him straight in the eye and told him I would leave him if he didn't take my side. He basically had said I was trying to pick a fight with his mother so that we could all fight forcing us to move out. I was very grateful to his mother and her husband and would never dream of fighting with them especially over something so trivial. After all, I had already put in over a year there so my record of being drama free spoke for itself! I am pretty sure that after that first time it was getting more of a habit to just threaten to leave when the pressures of small business ownership, chiropractic disenchantment, and living in destitution after such a long road frustrated our lives! I am sure our relationship has only survived because when going got tough we would cling to each other and remain insanely intimate!

Now back to the plant analogy! My husband and I have branched out like a double headed daisy plant. We have two lovely creations and continue to change as the years roll on! We celebrate our 10 year anniversary in a few months and are more aware now than ever before that there are more attractive and compatible flowers in this garden of life for us. For now, we remain committed to blossoming together but just beyond the horizon is some young punk rock guitar playing girl who could discover my husband and worship him making it easy to pluck himself from me and plant a seed with her. Likewise, it takes very little effort on my part to find a more out going and warm husband to attract. It all boils down to choice. I choose to remain where I am and love my ever evolving husband and he chooses to keep me. I have since sworn off ever threatening to leave him and broken the habit I directly blame chiropractic for developing in the first place! ha ha!

Divorce is a painful thing to experience. My husband and I have only been casted as children experiencing such an event and remain open to being a part of a divorce only because I can't control my husband and he can't control me. Sometimes you don't get to choose and then Frank Sinatra's "Send in the Clowns" blares on the radio. Today I write to bring light to divorce. Celebrate your divorce if it has brought you to greener pastures! If you are married keep it on the table! It isn't the worst thing that can happen to you!

Monday, January 2, 2012

The Chiropractor Wife's Guide To Entering The Profession

New Year, New Perspectives! If you are like my husband and graduated from a decent chiropractic school and passed all your boards you are anxious to get in to the field and sport your skills! Some of you may not be done with school and I would first recommend you transfer into another degree program as soon as possible. Anything but chiropractic. If I can't convince you to do that then read on! Insisting on making your way as a chiropractor is near impossible in today's climate. You probably don't believe me so alas, I write this guide for you! Take it or leave it!

My husband relied heavily on startingintopractice.com over a year before his prospective graduation date and I can recommend it as a wonderful resource. I even quit working entirely out of the home to focus 100% on creating our practice. The hours of work we put in to trying to get it right still resulted in us being streamlined into the typical statistics. Truthfully, I was only interested in beating the "80% of businesses fail within the first 2 years" mark and we beat that by 3 months so I was satisfied. The SBA says 50% fail in the first 5 years. Yep, that happened to us no matter how hard we tried to avoid any mistakes! Here is my gift to you in hoping YOU get it right!

First: Live Somewhere you love.
Not just where it seems businessly plausible.
I have decided to tell you how to get it right. Some testing prep company that my husband studied for the national boards with gave him a paper called, "Opening up your practice on a shoe string budget". I remember we respected that piece of paper and as many items that were to be found on it I only remember the very first one, "LIVE WHERE YOUR HEART SINGS". I probably remember it because we broke that rule when we decided to move to the one state a swore I would NEVER raise our kids in: Utah. So the first item in my guide would definitely be location. Live somewhere you love. Trust me. Please make sure you get at least that right. If you are married or in a domestic partnership consider their feelings too or better, the feelings you share on the matter. My husband and I ALWAYS said we would live in Colorado. We should have done that. He does have a license there so that much we got right. Moving to Salt Lake City has actually been enough like Colorado that I am completely and utterly happy here and thus prosperity has been falling like dew drops on our lives for a year!

Second:Buy a practice or start your own
No big revelation there. All of us who either started our own practice or bought one wish we would have just taken an Associate position right out of school until our friends who all took jobs quit within the first year of said positions and ended up just buying or opening their own place. If you buy make sure there are no liens on your prospective business. Also make sure you find out how many of the xhundred or thousand charts are actually real patients not just ones who have been in 1 time and never again. Also, make sure you have a hearty SBA loan or a job so you can build your practice and still be able to eat and have shelter! Family comes in handy here but listen to me when I say, 19 months in my mother in laws basement probably held us back more than it helped our situation. Autonomy is so important and so is sacrifice. Sacrifice working for a wage around your clinic hours rather than turning to depending on family or day care.
1. The website is important, but you don't need to spend alot of money. You can do that later when you are a rich chiropractor. Start with the no fee setups, month to month, inexpensive one like onlinechiro.com We went with Bill Estebs Perfect Patients initially and regret the expenses. They have actually significantly improved the price and such but I still found out the hard way that the other companies are just as good for very reasonable prices.
2. Start small. Look to rent a room in an established medical/DO/NP/PT office or spa or gym or Wal Mart. It doesn't take a lot of room to help people and build your base.
3. Smart marketing. Business cards, flyers, and free press releases. Spending big money on community fairs is often a crappy return on investment. You'd do better to just dress your friends and family in your T-shirts and pass out business cards or coupons while enjoying the community event. A win win and much much cheaper than manning a booth all day with horrible return on investment! Avoid print ads whatever you do! They will say you need them and valu pac will entice you to take a chance but don't. Word of mouth and genuine relationships with people is all you need and the most effective! Just hand out a set amount of business cards a day in the beginning. 20?
4. Do not give anything away free or reduced unless you are doing the honor box practice. "The best way to help the poor is to not be one of them." This means honoring the law of fair exchange! If someone can't pay they need to go somewhere else. Trust me on this. We went out of business "helping" everyone. Go ahead and set your fees lower if you have to, just don't give your skills away.
5. Hold off on expensive practice software or practice equipment. Start with your PC or lap top and an adjusting table. You can use calendar features for years until the revenue comes in.
6. Set your hours and hold to them. We found that 3pm-7pm where THE busiest times. I suspect this could be universal experience.

Third: Get a back up career
Whether it be teaching science or math like my husband, or continuing on to your MD, PA, PT, or RN get something else. If you ever find yourself injured you won't be able to adjust people easily and you are also in a profession that is relentlessly under attack like no other profession I can think of that requires so much time and money to enter! Even if you find selling products or supplements in your office that is something and you will be glad you did. I encourage you to look at this website for invaluable information that can motivate you to a fulfilling career change if you desire http://chiropractormds.homestead.com/index.html# Be aware that it is an old site and some of the links to Med schools are not working. Make sure you are not scammed into anything that is going to repeat what you already endured in seeking your DC! Fool you twice shame on you!

Fourth: Do Not Default on Student Loans
You wouldn't know it but there is more than likely still a staggering default rate on student loans in the chiropractic profession. http://chiropracticstudent.wordpress.com/category/chiropractic-student-debt/ and http://www.chirobase.org/03Edu/default.html if you don't believe me. My husband and I were naive enough to believe we would never be in these statistics. It was simply not an option! Until we had no money to keep in good standing with Sallie Mae. The rest and bulk of our loans are under the ICR Direct Loan program so we are good. However, Sallie Mae is most unjust and unreasonable and unwilling to work with you despite what they say. Their own website boasts of options that don't exist if you are in default but are not offered until you are in default and thus ineligible. It should be illegal to engage in business this way but they continue to get away with it year after year. Beg borrow or steal to keep Sallie maes admin fees to be in forebearance or else you will be in default. Better yet, consolidate your private loans with ANYONE but Sallie Mae!!!!

Fifth: Get a mentor, not a coach
Find a successful chiropractor that you admire. Take them to lunch and learn all you can about them and how they do things then copy them. Hiring a coach or business management firm will only bleed you dry and cause heartache. My husband did everything he was told to do with heart and faith and lot's and lot's of money going out. It got us nowhere. The best advice is free. Like this blog :o)

Sixth: Live what you teach.
Doctor means teacher. If you are an unhealthy, overweight chiropractor smoking in between patients you are probably never going to be taken seriously by your patients. Ever. Which results in little to no patients. Get healthy, be getting adjusted regularly yourself, and massages so you can exemplify the product you are offering. I was never model thin in practice but I did get adjusted weekly, take standard process supplements, and stayed positive which resulted in health and quality of life my husband's services offered!

Seventh: Try not to borrow money.
Nobody was lending when my husband graduated but we did have 20K saved from student loans and no credit card debt. We were on paper perfect. Both with stellar credit scores and a solid business plan. Eventually a bank gave us a small SBA backed business acquisition loan that we ended up defaulting on when we closed down. Try to avoid borrowing money from anyone. If they donate it to you post graduate- fine. Look for sponsors, sugar daddy's, or money you may have piled up in an old 401K from when you worked at Pizza Hut or something but don't borrow until you have a solid patient base. Credit cards are even better than business loans and yes, we used them..... all of them to their max just to survive in business only to fail and regret it. We are not looking forward to bankruptcy proceedings!

Eighth: Prepare to be disrespected
I was convinced my husband was a real doctor. After all, his diploma said that and I witnessed first hand his educational pursuits and accomplishments. It was extensive and expensive. Tears filled my eyes as he walked in with his graduating class to those Logan University bagpipes and drums blaring! Indeed he and his classmates had finally done it! They were all competent physicians before me ready to embark on defending true health- naturally. What a freakin blow to also get to witness first hand complete and utter disrespect and disregard for what my husband is. In fact just days ago at a family function someone approached his aging PT uncle with "just the man I was waiting for...I have pain in my shoulder." Why they would choose an aging PT over a fresh young spring DC is remarkable to me. I've been at his side while MDs of various specialties treat him like a joke. It is painful to watch but that is because I was completely unready for it. Be ready to be treated like the step-child of health care! A "wanna be," "quack," or worse someone who got their degree from a "cracker Jack box." My husband wore a shirt and tie and owned an otoscope and stethoscope and many of our patients didn't know why!? Be prepared for the disrespect.

Ninth: Keep The Fire Burning
We rather enjoy Parker Seminars in Las Vegas, NV to keep our chiropractic fire burning. Not only do you doctors get most of your CE credits out of the way but you feel fired up the way you did at graduation. When a hot wife or spouse or domestic partner can accompany you all the better! We haven't been in a couple years but we intend to go next year. No matter how disappointing the profession is you can always go to Parker and come home feeling like you have done the right thing despite your crappy bank account or New Patient Averages! I recommend splurging and going to the "Chiropractic Research Gala Dinner" offered that weekend so you can potentially look into the eyes of many of the people who will, or have ripped you off with a smile on their faces over the years! The Expo is full of snakes ready to pounce on fresh meat and sell you their over priced products or services. I say avoid it at all costs except for the freebies! I take that back, there was a handsome black man selling gym clothes that I purchased a pair of workout pants from that had "Under Construction" written across the butt that I still cherish!

Tenth: If you can't have the one you want, love the one your with
I just put this because I can't think of anything else. Bottom line, you can find yourself bitter, angry, and disenchanted, or you can make the most of the situation like I try to do! I am convinced that one can make lemons into lemonade with the present situation of the chiropractic profession but it will never taste quite as sweet as you would like. Even still, it can become a bearable reality with a tart taste you can swallow with just enough support from people around you. So surround yourself with great people, good times, and tasty food! Embrace how far you've come and keep on going! Don't trust anyone- even me! Do your research and take what they tell you with a grain of salt! You might be glad you did!