To be self-fulfilled is to be happy. A key driver is to achieve your financial security first.

What you see is more important than what you are told and adversity clarifies the objective.

Emotional security

  • To be self-fulfilled is to be happy

Financial security

  • To do what you want to do when you want to do it.
  • You need $2m to retire to receive an income of $70k p.a. after-tax income (excluding the family home)
  • Your practice is your biggest investment. It is either an opportunity or liability. When it comes to owning a practice or business, the objective is to sell it one day and leave a legacy rather than a community liability. The earlier you reach this objective the quicker you will be able to do what you want when you want to or change your expectations.
  • Where are you on the personal and practice/business life cycle?

Financial security is an important step to achieving happiness. Happiness is living a self-fulfilled life.

Where are you on the personal and practice/business life cycle? Read on…

To find out whether you have enough to retire and lead a self-fulfilled life access the free personal budgeting software by clicking on the links below and to Financial Risk Return

Financial Security Planning Links

Financial Survival Guide

Budget Planner

Calculating Risk v Return

For more insights visit our blog.

About me: David Dahm BA (Acc.), CA., FCPA, CTA, FFin, CPM, FAAPM, FAIM, FGLF.

Chartered Accountant, Chartered Tax Adviser, Registered Tax Agent, Former AGPAL Surveyor 10 years of service

David Dahm is CEO and founder of the national medical and healthcare chartered accounting firm Health and Life and global Founder and CEO of the not for profit project the International Healthcare Standards and Ethics Board (

After a serious work related car accident in 1989, and nine operations later I continue to be a patient and provider advocate. I enter my third decade as a national Chartered Accountant for Medical and Healthcare practices in Australia. I am a former 10-year Australian General Practice Accreditation surveyor. I come from a medico family. I have served on the AAPM national Board and was the inaugural national Chair of the Certified Practice Manager CPM post nominal. I continue to provide accounting tax and practice management advice to many practices all over Australia.

You know who you are and I thank you for this real honour and privilege to serve you and your community through you. Note, I am not a lawyer please seek appropriate legal and accounting advice. This information is for general information and discussion only.