If You’re a 30-Year-Old Veterinarian With ₱10 Million in Cash… What Should You Do?
by Dr. Geoff Carullo
Imagine this:
You’re 30. A licensed vet. Single, independent, and finally holding ₱10 million in liquid assets.
Now you’re staring down three tempting options:
- A. Buy a veterinary practice lot and building
- B. Buy a house and lot for yourself
- C. Start or expand a non-vet related business
You’re at a crossroad—each direction has a reward, a risk, and a reason.
Advertisements & Promos
Let’s Break It Down
Option A: Veterinary Practice Lot & Building
Buying the lot and building for your clinic is, without a doubt, the smartest move.
Here’s why:
- Most veterinary practices—even globally—are rented.
- Owning your clinic location gives you permanent control, independence from landlords, and the power to expand without asking permission.
- Every peso you put in builds equity, not rent expenses.
You’re not just buying a building. You’re buying your foundation.
Your identity. Your brand’s home. Your legacy.
Option B: House and Lot
Also a wise move, especially for personal stability.
- Eliminates future rental worries
- Grows in value over time
- Lets you live with peace of mind while building your career
But remember: a home is for comfort. A clinic is for legacy.
Advertisements & Promos
Option C: Non-Vet Business
Tempting—but risky.
- You’ll be entering a world outside your core expertise.
- Will demand attention, time, and learning curves.
- Could either be your big win or your biggest regret.
Unless you’ve done your homework and have solid mentorship in that industry, this is the least practical of the three.
So, What’s the Best Move?
Answer: A. Buy the veterinary practice lot and building.
Because while everyone else is renting their dream, you’ll already be living in yours.
Second best? Buy a house and lot. Because peace of mind has its own return on investment.
Third? Only venture into other businesses if you’re well-prepared. Passion is good. But practical timing is better.
Advertisements & Promos
Final Note for Every Veterinarian
Buy your business first.
Build your home second.
Expand only when you’re ready.
Sharing this helps others understand veterinary medicine better. Like and follow if you’re with us.
Dr. Geoff Carullo is a Fellow and the current President of the Philippine College of Canine Practitioners.
