Ndubuisi 'Andy' EgwimMoney Coach for Medics|Ex-NHS GP|21+ Yrs Investor| Founder, MoneyWiseDoctor.com|Helping Medics Avoid Big Money Mistakes

Don’t Invest Money You’ll Need Soon

25 Sept 2026 · 1 min

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In this short advisory video, Ndubuisi 'Andy' Egwim warns doctors against investing money that they will need in the near future. He illustrates the risk with a doctor who set aside £20,000 for a house deposit, felt FOMO, and considered investing it. Andy explains that if the market drops 30% within the 18‑month horizon, the doctor would end up with only about £14,000, jeopardizing the home purchase. The core message is that investment decisions must align with the purpose and time horizon of the funds. Andy then invites viewers to a free investing masterclass tailored for doctors, offering a link for those who comment.

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One of the easiest ways to lose money in investing is investing money that shouldn't have been invested in the first place. Look, a doctor in our community had £20,000 set aside for a house deposit. The market was doing well. His friends were talking about the returns they were getting, and then FOMO kicked in— fear of missing out. So his question is, why am I leaving my money in cash? But remember, he was saving it to buy a house. So it's a fair question. But if he needs that £20,000 in 18 months, And then the market suddenly falls 30%, that could happen, then he has less than he needs. He'll have about ₦14,000. So it's not about the investment, it's about the horizon. So matching what your money is actually for to how it's invested is really important. Look, I'm unpacking exactly how to start investing safely and sensibly in my investing masterclass for doctors this Saturday. If you comment class, I'll send it to you totally free.