In this episode, Dr. Killeen reflects on a thought from Adam Smith that defines happiness with surprising simplicity: being healthy, out of debt, and having a clear conscience. While all three matter, Dr. Killeen takes a closer look at the financial burden many dentists quietly carry throughout their careers. From student loans to practice acquisitions and equipment purchases, debt often becomes a normal part of dentistry. But when uncertainty creeps in, those obligations can create stress that affects more than just your finances. They can influence your decisions, your leadership, and your overall well-being. He explores why reducing debt is about more than improving your balance sheet. It’s about creating freedom, flexibility, and peace of mind. Sometimes the most valuable investment isn’t the next piece of equipment or expansion project. It’s reducing the weight you’re carrying so you can lead and live with greater confidence.