Doctors spend countless in hours in dental school mastering their clinical skills, but receive no training in business or personal finances. The benefit of higher incomes is often offset by student loans, practice debt, and the demands of busy lives. With a lack of direction and/or conflicting advice from different professionals, many doctors prefer to lean on software to help plan for their retirement.

I recently decided to try a do-it-yourself (DIY) financial planning software to rate the experience, as well as point out the pros and cons of leaning on software for your planning. Keep reading for a professional’s honest take on do-it-yourself financial planning software.