re: My whole life snapshot...wondering if this is the best use of my money

1) you should add another million of life insurance. At your age, I would say you need 10 years of income, as a baseline. You can back this off as you age, but inflation will probably take care of that for you.

2) No disability insurance? Big risk. Get some tomorrow. If you lose your ability to be a dentist, you will be in a bind.

3) no retirement savings? You should be maxing out a traditional IRA every year. It is a good savings tool and will reduce your taxes a good bit.

4) Sell the rental property or increase the rent. Sounds like it's just a liability and a pain. You should be getting at least 1% of the value of the home per year in rental income.