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.

• 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.

• Rent: ~$1,500/month (subleased gym or wellness space)
• Tech stack: ~$300/month (EMR, communication, automations)
• Bookkeeping & CPA: ~$200/month
• Business insurance: ~$200/month
• Health insurance: ~$500/month
• Continuing ed & equipment: ~$400/month combined
• Total Overhead: ~$2,800/month or $33,600/year

• Target income: $100,000
• Total revenue needed: $133,600 (to cover overhead)
• Average visit rate: $185
• Visits per year: 722
• Visits per month: 60
• Visits per week: 15

• Low overhead and lean systems = high margins.
• Fixed costs don’t rise with visit rate increases—so your profit scales faster.
• Flexibility in scheduling makes this perfect for work-life balance.

• Some solo PTs are earning $20K–$35K/month with strong visit rates and low churn.
• This is achievable in affluent areas with optimized pricing and retention.
• You can stay small and flexible—or scale with systems and staff.

• Keep overhead low and consistent.
• Improve your average visit rate over time.
• Learn to market and sell effectively—skills you didn’t learn in PT school.

Whether you're just starting or looking to grow, PT Biz has programs to help:
👉 Visit PhysicalTherapyBiz.com
👉 Book a Free Discovery Call

You don’t need a giant clinic or a massive team to make $100K+.
You need a clear plan, low overhead, and consistent systems. The math works—if you work the model.

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.

• 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).

• 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.

• 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.

• 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

• 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.

• ⚠️ 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.

• 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.

Check out the full visual walkthrough of cards, transfers, and real-time examples on the PT Biz YouTube Channel.

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?

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.

• 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.

• Never be confrontational. Use phrases like: “Totally get it—I have insurance too.”
• Ask if they know their deductible or what their insurance actually covers.
• Educate them that many people are paying out of pocket whether they’re in-network or not.

• Traditional PT = high volume, generalist, low face time, limited equipment and customization.
• Cash-based PT = one-on-one, specialized, concierge-level care with better outcomes and communication.
• Reframe the conversation around value, not just cost.

• Follow up with a thank-you email and a helpful exercise video based on their issue.
• Check back in 1–2 weeks to ask how they’re doing.
• Often, this simple follow-up brings them back after they realize the difference in care elsewhere.

Danny shares how a competitive triathlete left to use insurance, only to return after being handed a generic exercise sheet. That client went on to become one of their best long-term patients.

• Have the money and insurance conversation before they walk in your door.
• Never take it personally—always follow up.
• Use these conversations to educate, not sell.

Learn how to build a thriving cash-based clinic that doesn’t rely on insurance:
✅ Visit PhysicalTherapyBiz.com
✅ Book a Free Discovery Call