When you are starting out to launch your new practice, banks will be there offering you LOTS of money. The average cost (according to Bank of America) of a new dental practice is upwards of $450,000! They know that dental practices are a great investment and that they will make more money if they can get you to take a bigger loan. What they don't know is that you're smarter than that! You want to be profitable sooner, and spend less money paying the interest on your loan. While you can't completely eliminate your startup costs, you can be mindful of how and where you spend your money. Being frugal in your startup costs means less money paid to the bank and more in your pocket or to reinvest in the practice.