"... The first dentist I had for about 30 years, until he finally retired. ... The next three dentist changes all happened within a matter of maybe a year. I heard none of these young dentists owned the practice or could even begin to think of owning it. But they owed someone—and lots, on their s. I would guess in the ballpark of $400k of more. Apparently another out-of-state retired dentist had worked himself into the "investor class" of society, letting my childhood dentist cash out his practice and retire himself. I wondered if the revolving door of young dentists I was experiencing had anything to do with how they were starting out so deep in the hole after —moving to where they could get the best pay, cheapest housing, and shortest commute."