083: Top 5 Ways to Lower Your AGI

083: Top 5 Ways to Lower Your AGI

From Veterinary Financial Podcast by Meredith Jones DVM, CSLP®, AFC®

February 26, 2026 · 13 min · Episode 83

About this episode

Joe and Meredith discuss effective strategies for veterinarians to lower their Adjusted Gross Income to reduce taxes and student loan payments.

If you’re trying to lower your taxes and your income-driven student loan payment, your Adjusted Gross Income (AGI) is the number that drives both. Joe and Meredith walk through the most common ways vets can bring that number down. Key Topics: Making pre-tax retirement contributions and why Roth doesn’t lower AGI Using a Solo 401k with 1099 relief income Contributing to an HSA if you’re on a qualifying high-deductible plan Taking advantage of Health Care or Dependent Care FSAs through your employer Making sure legitimate Schedule C business expenses are reducing your net profit if you’re self-employed Interested in financial planning built for veterinarians? Learn more or book a free intro call at allvetfinancial.com

People in this episode

Host: Meredith Jones DVM, CSLP®, AFC®

Guest: Joe

Topics covered

  • tax strategies
  • Adjusted Gross Income
  • student loans
  • retirement contributions
  • health savings accounts
  • self-employment

Keywords

  • AGI
  • taxes
  • student loans
  • retirement
  • HSA
  • FSA
  • Schedule C
  • self-employed

Mentioned in this episode

Organizations: allvetfinancial.com

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