Ep822 | How To Use Your Business To Never Pay For Travel Ever Again
Release Date: 06/10/2025
The P.T. Entrepreneur Podcast
The $100K Per Year Clinical Formula In this episode, Dr. Danny Matta breaks down the numbers behind running a lean, profitable lifestyle physical therapy business that nets $100,000/year pre-tax income—with just 15 visits a week. 🎯 Key Takeaways: 1. The $100K Goal Is Common—and Achievable Many PTs go out on their own hoping to hit a $100K income. In a traditional clinic, this usually requires being a director or working in high-paying but less desirable roles like home health. In cash-based outpatient ortho, it’s possible with fewer hours and more control. 2. Typical Overhead in a...
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How to Travel for Free Using Credit Card Points In this episode, Dr. Danny Matta shares how clinic owners can travel—sometimes internationally—for nearly free by leveraging the power of credit card points. Whether you’re booking a snowboarding trip to Utah or sending your spouse to Europe, this guide will show you how to make it happen by using points you’re already earning through everyday business expenses. 🎯 Key Takeaways: 1. Use Business Expenses to Rack Up Points Put all business expenses—ads, travel, internet, phone, equipment—on a business credit card. Use a personal...
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How to Respond When a Patient Says, “I Just Want to Use My Insurance” In this episode, Dr. Danny Matta breaks down one of the most common (and frustrating) objections in the cash-based PT world—when a patient says, “I want to use my insurance.” Learn how to respond with confidence, empathy, and strategy. 🎯 Key Takeaways: 1. The Landscape Has Changed Patients are more informed now—high deductibles, HSA plans, and more out-of-pocket costs are common. This creates opportunities to position cash-based care as the better option. 2. Agree and Redirect Never be confrontational. Use...
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Optimizing Your Cash PT Clinic Website with Jeremy Dupont Hosts: Doc Danny Matei & Jeremy Dupont (Founder of Patch) 🔎 Episode Summary In this episode, Danny sits down with Jeremy Dupont to break down what it really takes to build a high-performing website for your cash or hybrid physical therapy clinic. From converting site visitors to dominating local SEO, they unpack practical tactics to turn your digital presence into a patient-generating machine. 🔍 Key Topics Covered: Why most PT websites miss the mark – It's not about flashy design, it's about clarity and conversion. The...
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The 3 Most Common Pricing Mistakes in Cash-Based PT Clinics (And How to Fix Them) In this tactical solo episode, Doc Danny breaks down the three most common pricing mistakes he sees in cash-based physical therapy clinics—and exactly what to do instead. Whether you're a solo provider or growing a team, these pricing missteps can kill your profit, limit patient outcomes, and create headaches as you scale. 🔑 Key Takeaways Undercharging Is the #1 Killer – Most clinicians start with prices that are far too low, usually based on insurance rates or old employer cash rates. Charge what...
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The Clinician’s Compass Part 3: Is the Home Run Practice the Big Swing You’re Meant to Take? In this final episode of the Clinician’s Compass series, Doc Danny breaks down the most ambitious practice model of the three: the Home Run Practice. This model is built for growth-focused entrepreneurs who want to scale fast, build teams, dominate their market, and eventually create a business that could lead to a major exit. 🔑 Key Takeaways What Is a Home Run Practice? – A high-growth clinic built for scale, often generating multiple 7-figures in revenue with layered teams, systems, and...
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The Clinician’s Compass Part 2: Is the Autopilot Practice the Right Fit for You? In this episode, Doc Danny continues his 3-part series based on his new book, The Clinician’s Compass. This time, he explores the Autopilot Practice—the most popular model among PT Biz clients. It’s built for clinicians who want time freedom, financial stability, and a business that can function (and grow) without them. 🔑 Key Takeaways What Is an Autopilot Practice? – A clinic doing $500K–$3M in revenue where the owner has fully or mostly removed themselves from daily operations. Time Freedom Is...
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The Clinician’s Compass Part 1: Is a Lifestyle Practice Right for You? In this episode, Doc Danny kicks off a 3-part series on his new book, The Clinician’s Compass. This first installment focuses on the lifestyle practice—a business model built for clinicians who want more freedom, flexibility, and fulfillment without the pressure of scaling a large company. 🔑 Key Takeaways Start With the End in Mind – Before you build a business, get clear on what kind of life you want. Your business should support that—not consume it. What Is a Lifestyle Practice? – A solo or small-team...
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Living With Intention: The 3-Month Exercise That Can Change Your Life What would you do differently if you only had three months left to live? In this powerful solo episode, Doc Danny shares the mindset shift that changed the course of his career—and his life. It’s not just about business strategy—it’s about living with urgency, clarity, and purpose. 🔑 Key Takeaways Ask the Hard Question – If your time was running out, what would you regret? What are you avoiding because of fear, comfort, or outside expectations? Stop Living on Autopilot – Most people live a life someone else...
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Funding Your PT Clinic Expansion: SBA Loans vs. Lines of Credit Thinking about expanding your clinic but unsure how to finance it? In this episode, Doc Danny breaks down the two most common and effective ways to fund growth: lines of credit and SBA expansion loans. 🔑 Key Takeaways Preserve Your Cash – Cash is your business's lifeline. Instead of bootstrapping expansion, borrow smart and keep cash reserves for flexibility and survival. Line of Credit: Fast & Flexible – Ideal for small, variable-cost expansions or extra cash buffers. Flexible repayment, quick access, and higher...
info_outlineHow to Travel for Free Using Credit Card Points
In this episode, Dr. Danny Matta shares how clinic owners can travel—sometimes internationally—for nearly free by leveraging the power of credit card points. Whether you’re booking a snowboarding trip to Utah or sending your spouse to Europe, this guide will show you how to make it happen by using points you’re already earning through everyday business expenses.
🎯 Key Takeaways:
1. Use Business Expenses to Rack Up Points
- Put all business expenses—ads, travel, internet, phone, equipment—on a business credit card.
- Use a personal card for groceries, dining, and daily family expenses to double your rewards.
- Meet card minimum spends by timing them with large purchases (e.g., ConEd, travel, IRS payments).
2. Best Credit Cards for Clinic Owners
- Chase Ink Preferred (Business): Great bonus categories (3x points on ads, internet, travel); low $95 annual fee.
- Amex Gold (Business or Personal): 4x points on ads or groceries; higher $375 annual fee.
- Chase Sapphire Preferred (Personal): Solid intro bonus, low fee, easy-to-use transfer partners.
3. Transfer Points to Travel Partners—Not the Card Portal
- Transfer points to partners like Hyatt, Flying Blue (Air France), United, or Southwest.
- Booking directly through airline/hotel gives better value and fewer headaches during changes.
- Avoid using credit card travel portals or cash-back options—they yield less value and more hassle.
4. Example Travel Redemptions
- Snowboard Trip (Park City, UT): - Flights for two: ~60k points - Hotel for 3 nights: ~54k points - Total: ~114k points for two people
- Paris Trip (International): - Flights for two on Flying Blue: ~74k points + ~$300 in fees - Huge value during peak travel season
5. Bonus Perks
- Free rental car insurance through Chase/Amex cards saved Danny over $1,000 in damage claims.
- Increased credit limit and credit score over time due to low utilization and on-time payments.
- Share experiences with friends/family by booking their trips with your points—great for memory dividends.
🚫 What NOT to Do
- ⚠️ Don’t carry a balance. Pay your card off each month—interest rates are 25–28%.
- ⚠️ Don’t book through Chase or Amex travel portals. Use direct transfer partners.
- ⚠️ Don’t opt for cash-back if your goal is travel—it devalues the points.
✅ Action Steps
- Pick one personal and one business card to start (Chase or Amex).
- Use them for expenses you already have—ads, groceries, flights, utilities.
- Meet minimum spends during big purchases or tax payments.
- Transfer points to travel partners, not portals.
- Track and enjoy free travel—with friends or family along for the ride.
📺 Prefer to Watch?
Check out the full visual walkthrough of cards, transfers, and real-time examples on the PT Biz YouTube Channel.
🌍 Final Thought
Owning a business is hard. Travel is one of the few luxuries that pays you back in memories. If you’re paying for expenses anyway—why not earn free trips while you’re at it?