Howard Polansky, former practicing dentist turned financial strategist, exposes a controversial debt elimination system that has CPAs arguing and dentists gasping: One client freed up $190,000 in annual cash flow in a single hour without changing a thing about their practice. The secret? "Velocity banking" - strategically using lines of credit to reverse-engineer the tools banks use against you.

Key Revelations:

• Traditional debt traps you with fixed payments until you die

• Your line of credit becomes your checking AND savings account - money flows for YOUR benefit, not the bank's

• Strategic use of lines of credit can eliminate 12 years of debt in just 18 months

• Paying extra principal on loans creates a dangerous liquidity trap

The Line of Credit Revolution

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"What's the fastest way to know if my DSO is overstaffed?"

Ken's answer: Look at two key metrics. First, staff costs as a percentage of collections - if you're spending more than 28-30% of your revenue or collections on staffing, you likely have an issue. Second, check your production per clinical FTE. If that number is too low, you're probably overstaffed with assistants and possibly a hygienist. The math tells the story.

The "Ask Ken" Question:

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