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The Financial Tip I Learned That Applies to The NPTE


We all need money to maintain our lives. You can tell yourself all you want that you don’t care about money, but the truth is you can’t survive without it. Some deem it as evil, and they think those with a lot of money must have done something immoral to get it. Some choose to look at is as a blessing, and they believe money is needed to be able to serve others. Regardless of how you feel about it, there is one important thing that it taught me which applies to the NPTE. I realized it is not important how much money you make it is important how much of it you are able to keep. I truly hope that didn’t go over your head. This is an important lesson I want you to take with you and apply in your preparation for the NPTE.


Everything in life has the potential to be harmful or beneficial. It comes down to the perspective that you have related to a certain situation or circumstance. We have been conditioned to believe that success is measured from a quantitative stand point. Therefore, people get caught up in things such as: how many followers someone has on their social media, how much money someone made in a year, and the list goes on and on. When I ponder on my aspirations for the future, I meditate on how I used to picture the amount of money I would make. I put it out into the universe, wrote it down, and even visualized it being in my bank account. The joke was on me. How silly I must have been, for thinking what I could make financially was a representation of my success. Constant reminders were thrown in my face that this was not accurate. One tabloid after another, or one social media post after another about some celebrity who ended up squandering all their money.

It seemed that maybe the multiple cars or homes ended up being their down fall. In other cases, defeat was highlighted by money these people owed to the I.R.S. or other people in general. You see things like this and it’s easy to turn a blind eye. “That could never be me,” I thought to myself. Little did I know that it could eventually end up happening to me. We never understand the full weight of certain conditions until we are stuck in the middle of them. I made a vow to myself to never allow this to become my reality. The only way to ensure this was to change the perspective I had for so long about money. At the end of the day, it would not matter if I amassed a fortune of millions or billions, if the amount I was able to keep was very small.

This made me think back to all of you and your journey. Right now, there is nothing more in this world you want than to be able to call yourself a doctor of physical therapy. You want to pass your NPTE and be able to move on to the next phase of your life. This is completely understandable, especially considering all the obstacles you had to overcome in the process. Just like I grasped the amount of money I keep is more important than what I make, you must look at your studying like this. It can become very easy to fall into the trap of overloading your brain with information. Somehow, someway, it became ingrained in our minds this is how you will be able to maximize your studying. This is one of the biggest myths and the furthest thing from the truth. Honestly, this is a guaranteed way to burn yourself out and develop bad study habits. Being busy and overloading does not correlate to making progress. The sooner you realize this the better off you will be. You could be more efficient if you would seek understanding as opposed to seeking learning. There is a big difference between the two of these. I realized in order to be able to keep money, I need to work on understanding how it works. This means knowing assets versus liabilities, the guidelines of saving, and much more.


Shaquille O’Neal spent his first million dollars within a thirty minute span of joining the National Basketball Association. His banker advised him if he did not get a hold on his finances he would end up going broke. Today, Shaq has a hold on his finances. He went back to school to get his bachelors, masters in business administration, and a PhD. He has acquired multiple businesses, investments, and endorsements. Shaq realized it was not about learning about money but understanding how it works. This is the same concept I need you to apply to dominate the NPTE. In the words of Shaq, “It is not about how much money you make. The question is are you educated enough to keep it.” Likewise, it is not about how much information you accumulate in preparation for this exam, the question is are you educated enough to retain it, so you can convert into the doctor you have worked so hard to become.


-Karl Bourne, Lead Blog Writer

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