In situations where a practice owner is selling and leasing to an associate, the seller must make sure to receive personal guarantees of the lease payments from all partners of the entity signing the document.
You need to strike a balance between having enough cash to pay your bills each month and meet unexpected expenses, but not having so much cash that you are not utilizing your assets effectively.
If you discount your services to senior citizens, military members or firefighters, just stop. Instead, grandfather these clients by continuing their discount, but do not offer one to new clients.