EXCLUSIVE: How to Build Wealth as a Busy Medic in 2026

Can you become an Automatic Millionaire in 2026 just by investing in a simple index fund? No trading, no candle or chart or any rubbish like that, and actually no hype around things like crypto, but just a simple approach, automated and passive without you taking any unnecessary risk. Now this is not hype, this is mass. And before we go any further, why should you even bother listening? I'm Dr. Andy Guim. I'm the founder of Money Wise Doctor. I'm also the author of the Money Wise Doctor, which was a bestseller on investing on Amazon and also a bestseller on retirement planning and personal finance. I personally have been an investor for over 21 years. I have taught over 1800 doctors and healthcare professionals how to start investing sensibly. So here's a question, is it too late for you to start? If you start in 2026, can you still build up to become a millionaire without having to become a full time stock market analyst or guru or expert chasing numbers and hype up and down? Let's break it down very clearly. So when we talk about index fund investing, basically for busy professionals like doctors and healthcare professionals, one of the biggest issues usually is you haven't got time to invest, you don't know where to start, you feel a little bit overwhelmed and you're thinking, you know what, I'm just going to keep putting money in my savings. The problem with that is that there's inflation. If you see the rate of inflation currently, I'll give a practical example that hit home. You don't have to look far. If you go into grocery shops, you go to buy stuff you notice are not just the price of what they used to be. Sometimes the quantity is less and the amount is higher. If I look back in 2015 when I first moved to the UK, what you could buy with a hundred pounds back then you now need about 138 pounds. And these are not numbers of plug from the air, it's from bank of England inflation rate calculator. So this is why it's really important for you to understand investing. But at the same time you don't want it to become a full time job because you already have a job. You're a doctor, a healthcare professional, you're busy with life, but you want to be able to invest in a simple automatic way. I'll show you how. But first things first, let's look at. When we talk about index funds, why are we even referring to. Because a lot of people say you might go on YouTube. Everyone, including the 17 year old standing next to a Ferrari in Dubai is telling you how they invested and then they became a millionaire and all that. And you know, is this a load of rubbish? Did they borrow this? This Ferrari? Now let's just define things clearly. Number one, when we talk about index. Index is nothing special in particularly, an index is a list. For instance, a list of the houses on your street is an index, a list of the topics in a book. For instance, in my book the Money Wise Doctor, if you go in at the beginning you might see an index. So you see an index of what the topics are in the book. So you see an index of the the topics. So this is an index. Is the list the same thing? When it comes to stocks, there's an index. Usually stocks are grouped into a basket. So basically, if you look at s and P500 for instance, as an index is the top 500 companies in the US based on capitalization as jargon for size, meaning the 500 largest companies in the US if you look at our FTSE 100 in the usually the top 100 companies by size in the London Stock Exchange. So that's basically what this is. It's a list of grouping stocks together so how the index works. Index funds basically just track the index and try to mirror what the market is doing. So for instance, I'll give you a football analogy. If you're a football fan or anything. It's easier to bet on the entire premiership league to win the entire all the clubs than to bet on one particular club to win the championship. So basically an index is a collection of companies or a collection of. An index fund is a collection of. It's a fund that is actually a list of those companies based on criteria. And one of the commonest criteria is capitalization, the size. There are multiple other indexes. There's obviously Nikkei in Japan and I think there's one in Germany. I don't know if it's Dax. I don't tend to remember it, but you get the point. An index is just a collection like that. 7.

There are seven steps to take before you even start thinking of investing as a doctor or healthcare professional. Now this is really important to secure your financial foundation before you start investing. Now I've covered these seven steps in a simple guide that I've made available for you in the link in the description you can download it. It will help you to build a solid financial foundation, avoid common investing mistakes and also make tax efficient investment decisions. Start your investment journey the smart way. Download the guide now using the link in the description and Good luck on your investing journey. Now, let's get right back to the episode.

And what's the whole point of the index like? You see things like NASDAQ and the rest of them. The idea of the index is diversification is a very key factor when it comes to investing diversification. So rather than trying to find the needle in the haystack, rather than trying to find the actual, you know, company that's going to outperform because you don't know the future, what you're doing is that you're buying the entire basket, you're buying the whole hay rather than trying to find a needle in the haystack. And that's what index fund is all about. Now, how does that work out for you as a busy professional? That takes me back to automatic investing. Now, if you've looked in chapter two of my book, the Money Wise Doctor, one of the concepts I talked about was amass. That's automatic investing, Automatic saving. AMASS is basically an acronym for Automated Monthly Allocated Saving System. So rather than trying to go through all the decision fatigue, remember to put money aside, remember to save some money. You want to set up a system that runs in the background to set up a direct debit to pay yourself first. Remember, when you pay your direct debit, you pay for your electric bills, you pay for your gas, you pay for council tax, you pay for everything automatically by direct debit, you might as well also schedule a payment to yourself, and that's your freedom account. Whether it's for investing or for saving or basically to liquidate debt, this is what you want to do and that's how you build up what you need to start investing automatically and the stock market. Now let's take it a little bit further. Let's say you don't want to invest in individual stocks. You don't have the time to analyze companies. You don't even understand what is income statement, balance sheet and cash flow statement. You don't want to go into all that jargon, but you still want to do well by investing and making your money work harder than you do. What do you do? Here is a step by step how you can approach it. Of course, this is not financial advice. And every capital is at risk. Any investment could actually go down or go up and up. Also, past the results are not necessarily a prediction of future performance, but I'm going by mathematical, you know, past historical results that you can see if you decide that, look, you want to invest passively and you want to start automatically. One way you can do that is you can set up a direct debit to put a portion of your income, I usually see about 20%, mostly because most doctors, by the time you start investing, it's already a little bit late. Some of your colleagues that have gone to primary and secondary school have started investing much, much earlier, while we're still going through medical school, going through postgraduate training. So now you've got a descent income, you want to make sure that you are pushing that engine. So if you start with 20% of your income or if you wanted to start a little bit lower, that's fine. What's important is that you automate it every single month. You set it on direct debit and that goes into your investment account. Now that's the other end of the automation is in your investment account. You pick the specific fund you want to invest in, you set it all once and then you don't have to go do it every single month. You can check it every quarter or every year, but you can set it and forget it. And if you're wondering what fund you should invest in, we're going to talk about the different types of funds and you get an idea. Okay, so basically the first idea, the foundational idea is first of all you want to, to meet your contribution into your investing account. Of course, I'm assuming at this point that you don't have a high interest debt. If you've got a high interest debt like a credit card charging you 27%, it doesn't really make sense to be investing to get 10% return if you're paying 27% interest. So I usually would say if you follow our med scan approach, if you follow our framework that I've outlined in my book the Money Wise Doctor, the idea is usually to pay off high interest debt and save up a healthy emergency fund, which will usually be three to six months worth of your living expense. So if you've got three to six months worth of your living expense, that means if you need 2, 5 per month, you need about 2, 5 times 3. You put in a regular cash ISA that you can assess at any point. So that's building the bedrock. Now when you've built that through automated contributions, of course the next level is investing. So you want to also automate that level of investing. You don't want to be reminding yourself fund you've got already got a lot to think about as a doctor, healthcare professional, you want to set it up to happen automatically is deducted into your investment account. Now the other end of the automation is inside the investment account. If you have chosen the funds you want to invest, depending on your goals, your risk tolerance and your horizon, your capacity to be a loss, and also your values. For instance, you might want to choose funds that align with your values or maybe your religious values. And we can talk about all that. But once you set up that automation, what happens? That every single month when you get your pay, the money goes out by direct debit as all your other bills are being paid and goes into your investment account and your investment account, then invest it in the fund that you need. For those of you who are not necessarily financial nerds and you don't really want to be looking at stock market and wondering what's happening, it doesn't particularly seem fun for you. You rather be doing something more interesting on life. This could be a very simple approach to start investing without hype, without any stress. And look at how that works in practice. Let's say for instance, if you're a GP or a consultant and you're earning 120k or you're just in above 100k, you could decide, okay, number one, I'm going to invest 20% of my income. And the next thing after that is the container where you invested it from, the tax efficient container. That could be your ISA account or your SIP account. If you are investing through your pensions. Of course if you're a higher rate taxpayer, a pension might be a more tax efficient approach because you get 40% relief gross, that's basically like 50% net. So what that means is that if you take £20,000 and put it into your sip, that 20,000, by sip I mean self invested personal pension, you're going to get like automatic 5000 uplift on that 20,000. That's government contribution. That's sort of like a refund of the tax that you assume to have been paid on that money. You assume to have paid 5,000 on that money as tax. So you get a 5,000 refund. Now you can claim another 5,000 in self assessment. So that's almost like 50%. It's not almost like 50% lift before you have already started investing. And if you're a basic credit taxpayer, you could either use your SIP or your stock and shares. Isaac, either one. What is important is that you think about tax efficiency first. So number one, you automated. Number two, you want to be investing it through a tax efficient account. You don't want to start with a general investment account or a dealing account or trading account. These are the ones that are usually presented by most platforms to you first though, they are not the most tax efficient. Why? Because if you use them, you then have to pay capital gains tax on any, you know, capital gains you generate. And for a higher rate taxpayer that could be as much as 24. That means if in the future you've accumulated, let's say a million, you'd be paying 240,000. Of course there's some capital gains allowance which is about 3,000 now, not massive. And also means you have to pay dividends if you use an ISA account like stock and shares ISA or a pension account, you don't have to pay any of those. I mean for a pension you may eventually have to pay tax if you are drawing the pension, which means that if you draw less than, you know, the taxable amount, you don't pay any tax. You are basically taxed as your income. So that's the second step. Number one, I've talked about automating it. Number two, you want to use a tax efficient account and there are multiple platforms, you can open them. Basically we don't, yeah, not interested in promoting anyone in particular. But what you're looking for a platform, you're looking for low fees, you're looking for simple and easy to need to use the one you can understand. And I'll, I'll share some links in the description as well. You can check them out. Now so far we've covered automating your contributions from your account to your investment account, from your bank account to investment account. Number two, using a tax efficient account. So that's where the money goes, whether it's your stock and shares ISA or your sip or even lifetime isa. Stock and shares. Yeah, lifetime isa. Mine is stock and shares is not in cash. You've automated that. Now the next question is how do you decide what funds to pick? How do you decide what you're automating your fund? So most platforms, they'll call it auto invest. How do you pick what to invest in? And this is where many people get stuck. I'll tell you, there are usually three lanes. The first lane is where basically people like me and a lot of doctors in our money wise doctor community who have passed through the investing academy, they are in the first link, which is DIY. Over 21 years of DIY investment. Do it yourself. Look, it's not rocket science, okay? You learn neuroanatomy, you learn biochemistry, you can learn how to invest. Don't let anyone fool you to make you make it sound like it's very complex and complicated. But just like every other thing, if you haven't learned it. If no one has shown you how to avoid the risk and how to sort of, like, minimize the risk, it remains a risky business. Okay, so, yeah, diy, do it yourself. Now there's lane two. Lane two is usually like structured portfolios. You could go to a platform and they've already created, already made portfolios, and you could be asked a few questions and then they'll recommend one for you. And of course, they charge you a bit more fees because, no, they've made it for you. The third option is usually, you know, managed for you. You hand over the money. Usually could be a wealth manager or financial advisor. They charge their 1% or 2% or 3%. And most times it looks like 1% is not very much. But 1% compounded over 20 years, it could be thousands or tens of thousands, even hundreds of thousands, depending on the size of your portfolio. Because that fee is coming out of your fund before it gets invested. Right, but that's not the whole point of this video. The idea of the video is for you to understand that there are different options you can approach, but you can do it automatically. If, for instance, you decided, look, I want to invest in the FTSE all world, and I'll explain that in a minute. You can actually automate it. Direct debit from your bank into your investment account, which could be a stock and shares ISA or SIP or lifetime ISO stock and shares. And that gets invested. That could even be a junior ISA for your child, the junior ISA stock and shares. And that gets invested automatically and is accumulating, is compounding and is growing without you having to lift a finger. And it's growing without you having to change what you're already doing. You're continuing your job. Okay, so that's just a little bit of it. Now, how do you pick which funds? Let's start with index funds. Like I already explained to you what index funds are. It's just a basket of companies put together. You must have also heard about ETFs, exchange traded funds. It's basically like a basket of stocks that can be sold and bought like stocks. But ETFs most times are like a proxy for index funds. You can get like S&P 500 ETF. You could decide to invest in a FTSE or what, ETF 50, 100 ETF. But basically ETFs could be active or passive. Some people buy and sell ETFs, but that's not what I'm talking about here. I'm talking about using ETFs passively the same way using Dex funds. So for the purpose of this video, I'm going to use ETFs and index fund interchangeably because they can achieve the same goal for you, passive investing. So how do you decide? First of all, when you look at ETFs you want to look at are they as diversified as you want? Remember the real purpose of buying index fund or ETFs rather than individual stocks is to reduce your risk that one company goes under and that will be the end of your investing career or you lose your money. So you're buying a whole basket of stock so that well, even if one company is not doing well inside that, you know, basket, it gets dropped out just like clubs get relegated and then a new club comes up the same way a new company can come up. When I started investing companies like Tesla, they were in existing companies like Nvidia, nobody knew anything about them. But yeah, now they're in the S&P 500. So ETFs like that. If you're looking at ETFs you're looking at a broadly well diversified ETF. Now S&P 500 is one of the very popular ones. But here's the problem I have with S&P 500 is great and is brilliant and is well known but its country specific is quite limited to the US so it's the top 500 companies in U S based on capitalization, that's based on size. The challenge with that is it's limited is missing out massive companies like Taiwan, Semiconductors is missing out companies in, in Europe, it's missing out companies in London, it's missing our companies even in, in Africa. So it's not sort of like it has the big companies. Let's face IT, S&P 500 is almost like dominant when it is like maybe 40% of the stock market. So even when you go for an all world ETFs it's usually dominated by companies in the S&P 500. So but from what's going on in the world now with trade wars and all sorts of things, you want to be careful in terms of how you diversify. So that's one option. You could decide to go for a country specific index like the S&P 500. Another example is the FTSE 100 which is basically for UK for London which is again is not that well diversified. Now the other types of index funds I've already mentioned FTSE or World which is like a global index, there are other global indexes as well. Well, but There are indexes that are sector specific. I think PHLX is semiconductor, so it might just be for one particular sector. NASDAQ is the tech industry. So there are those sector specific. They might actually do really well, but they also narrow. You have concentration risk. So these are options for index fund. Now there are other ETFs as well. Again, I'm using ETFs and index fund interchangeably. They're not exactly the same thing, but they achieve the same purpose. Now if you look at esg, so I think that's environmental, social and governance. Sometimes people want to buy a fund, but they don't want to invest in companies that are dealing with fossil fuels or selling weapons and all those kind of things. So those things could be screened. So you can see an S P500, you see multiple S P500. Now see, well, this one is ESG. So it's screened. The companies that engage in fossil fuels and all those kind of stuff might not be in that, in etf. So that ETF is not as diversified as a regular S&P 500. But that's a way for you to express your values.

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You can also see ETFs that are for halal investing, for instance. Some of you, some of the people in my audience are Muslim doctors and healthcare professionals. And they wouldn't want to invest in things that are not in line with their faith. So any companies are engaging in things like Alcohol, pornography, I think gambling and even things like interest. Financial instruments that you know, produce interest might not be in line with their values. So these are sort of like all sorts of options for funds. So when people say just invest in index funds, which one are they talking about? Now the question is, how do you keep things simple? If you want to keep things simple, you're looking for a broad, well diversified index fund. For instance, a good example of that would be something like FTSE or World and they have different codes. You might see VWrop with Vanguard, not a recommendation. But that's a global index fund. It's a FTSE all world index fund. But that's not the only thing to look out for. You're not just looking out for the diversification. You're also looking out for is it accumulating or distributing? What does that mean? Now most people think, well I just bought an S P 500. They haven't checked is it ESG or not ESG. Okay, maybe you're not bothered about that, which is still all right, but they've not checked is it accumulating or distributing. Now an accumulating index fund or ETFs, what's going to do is that the dividends that are being generated, remember the companies you own. A business is generating profits and you get a share of that profit as dividend. But in accumulating funds is being reinvested into the business. Why is that important? Compounding. It helps your compounding to happen quicker to help you to grow your fund. For instance, if you're a 40 year old consultant or GP, you probably are not interested in a few hundred quid of dividend per year. You might want to prefer that it goes back into getting your engine to heat up faster and keep building up that compounding. So an accumulating ETF for accumulating index fund you usually see something like ACC will probably be the option for someone who is still in the building phase, who is still building and wants to actually grow their fund faster. Now alternatively, you might be in the distributive phase. You want to to be sort of like drawing down maybe a pensioner. At that point you might want to go for funds that actually pay out dividends. And another thing to consider, if you're going to pick index fund now, you already know how diversified you want it, you know whether or not you're interested in ESG or any sort of screening. Then you also know whether it's accumulative or distributing. The other thing you want to check is fees Fees really matter. Look, fees, if you're a passive investor, you haven't got that many levers to pull. You're just going to perform average. And average is great. Average is really good. If you continue to compound for a long time, you capture the average, you actually outperform 95% of active investors. And this is data, by the way. Lots of professional active investors fail to beat indexes like the S&P 500. So what do you do? You need to look at the fees to make sure you're not paying a massive fee. And you'll be seeing things like total expense ratio. That's ter. This tells you how much the fund is actually charging, you know, for administration and all that on some platform. It's called ocf. So that's something about charges as well. So basically, you want to check these things before you pick a fund. On some platforms that are easy to use, you can actually just. Just, you know, select criteria and it will bring out fonts. You can also rank them based on the charges and all that. But these are things you want to look out for. Now, you're still wondering, maybe at this point, you're still wondering, how does that make me an automatic millionaire? Here's the automatic bit. It all comes together by the time you set up your direct debit. Let's say you're putting aside 20%. Let's say you're able to put aside 20k per taxi here. Now, that's from April 6th to April 5th. And no, I know, I know. If you're in, if you're, if you're watching this, anything. Well, I don't have 20k. Okay, that's fine. Can you do 20% of whatever you earn? Maybe if you end like 60k, what's 20% of that? So if you've got 20% of your net income, and I'm using 20k because a lot of people that follow my content are usually sort of like senior doctors. And people have been through my mastermind, as you, a senior doctor's consultant. We've had 20 years, 15 years, 10 years of working. So a good number of them in above 100k. And yeah, that's a different story. The 60 tax trap. I'll address that in a different video. So let's say you're able to put aside 20k and you might have been putting it through your stock and shares ISA, maximizing your ISA allowance, or you're putting it through your SIP, whatever platform. If you invest 20k per year, and that's roughly like 1667 pounds per month. Okay. Either you set it up by direct debit to happen every month or you're doing it annually. But obviously if you're using an automated approach, it's probably going to be by direct debit. What you're doing is that in the next 20 years. Let's say you start this when you're 37 or thereabout, and I choose 37 for a reason. Okay. That's not my current age. But if you do it over the next 20 years, by the time you are 57, you would have hit, you'd have reached your normal minimum pension age, which would be 57. Currently is 55, but from 2028 it will be 57. At that point you can actually draw your pension if you want. Or you could continue working. Some people might prefer to carry on working or even work part time. So what's happening? You've put in 20k every single year for the last 20 years. So 20 times 2400,000. That's what you have in your port. No, wrong. If you have hundred thousand, something has gone horribly wrong because you've been investing. So it's supposed to be compounding, supposed to be growing. And if we go by returns, average returns of Broadwood Diversified index funds, about 78% over the last, I mean average return. Some years returns better, some years is worse. I think last year or so S&P 500 returned 25%. So I think that was over a year ago. And there's been years like 20, 22 when it returned -2%. But on average you're getting 78% growth. That means that every seven to 10 years you're seeing your portfolio at the minimum double. And again, this is not a prediction. This doesn't say what. I don't know what will happen if the future. But this is what we've seen in the past. So if someone has money to put on, put in like 400k, it's very likely that a portfolio will be closer to a million rather than to 400,000. And even if there's been a market crash, hey, if there's a market crash, but your horizon is 20 years, do you care if the market recovers? Because in my 20 years of investing, I've seen like three market crash. In fact, one of the first ones I saw was 2008 financial crash. Then I was just about four years into investing. So basically a market crash might not deter you because you know that you have a longer horizon. So this is sort of the approach you do it compounding this is not sexy, it's not exciting. It's simple. It's boring. Good investing. One of the guys I respect, Mohnish Pabrai, who I met at, you know, Berkshire Hathaway, Warren Buffett Co. Shareholders meeting. Mohnish Pabra is an accomplished investor and he can look him up. He wrote the excellent book called the Dando Investor. He's a billionaire fund manager. He said that good investing is like watching paint dry. So if you can just, if you can just sit in a room and watch paint dry, then you're likely to make a good investor. So it's very boring. It doesn't have to be exciting. Go and get your excitement elsewhere. Go bungee jumping, go and jump, do base jumping, whatever you guys like to do, especially those of you in Australia, go and do something fun. But don't leave with your investing. Keep it simple, keep it dry, keep it going. And that's how to accumulate. Fantastic. At least I'll say descent. It's not a billion. I didn't start with saying you can become an automatic billionaire. I don't have the formula for that. But when it comes to becoming a millionaire, to invest in that is achievable. But it does require patience and it's not going to happen overnight. Now, a few pitfalls. Things I'll say you need to watch out for a few challenges that people often fall into, especially if you're a senior doctor or dentist or healthcare professional, totally new to investing. If the market crashes, people tend to panic. But that brings us back to the automatic investing. Why do you invest automatically? So that you remove your emotions out of of it. You remove some sort of like, decision fatigue. Here's how it goes. If you already put in 1600 or whatever, you put it into the market every month and you've taken the decision out of your hands, if the market crashes, guess what? Your 1600 can buy more. Because now the market is on sale. Just like when there's a sale and things are being sold at a discount, that is what's happening here. Okay? So now if the market crashes, the same money you're putting in will now buy more. And again, if the market gets excited, like recently, there's a bull market and everyone is saying, oh, the price of everything is going up inside the stock market. The same amount will buy less, but then it's steady and it evens out over time. So that's it. I think Americans like to call it dollar cost averaging. But right now I'm in the uk so we call it pound Cost averaging. Take that, Americans. Okay. In Canada, it could also be kind of a dollar cost averaging. Well, Canadian dollar cost averaging. Australia, Australian dollar cost averaging. I think basically you get the point. The idea is that you want to remove. It's not the mathematics bit that usually gets people, is the behavioral bit when the market is down. In the stock market crash, some people miss out golden opportunities and periods to invest just because they were scared or if it was automatic, it would have taken the decisions out of their hands. When the market is up again, some people jump into opportunities without managing their risk. But if you're going to do this, you want to do it the right way. You want to just remain fully passive. If you get itchy fingers and you want to invest in individual companies, I've invested in individual companies for more than 20 years. If you want to invest in individual companies, then you need a different set of skills. You need to learn fundamental analysis. Understand? I mean, in the four weeks investing academy that we've just concluded, we took 30 doctors through deep dives into understanding other than index fund. Obviously the index fund in the first week, that's a weekend, we do index fund on a Saturday, sort that all out, understand the risk management and all that. Then by week three, week four, looking at income statement, balance sheet, cash flow statement, looking at the story of the company, do they have a moat? That's a totally different skill. And you, that might not be for you. You can just be happy to do it passively, simple and straightforward. And that's how to become an automatic millionaire. Now, how does this apply to your child? Let's say you want to invest for your child as well. You could use the same principle. Like There's a Junior ISA in the UK which allows you to put up to £9,000 totally tax free. So whatever capital gains or dividend you get from it is totally tax free. There's a Junior Sip that allows you to put up to 3,600 pounds gross. That means if you put 2,880 pounds, the government adds it grosses it up to 3,600 pounds. So that could be for your child or even for a spouse. If you have a spouse or someone who's not working, they can have a pension allowance of up to £3,600. Obviously for you it's £60,000 for 20, 25, 2026. So you can use the same funds that in those funds that are inside those accounts and invest them in the same way. I always show that when I see people taking money and they're Putting in the cash like a savings account for their little one. I'm thinking, look, it's just, it's one year old and it's just like six months old. Probably not gonna need this money for another 20 years. I mean basically especially that's the goal in the first place. So they're not gonna need it till they're 18. So why are you leaving it in cash? Because inflation is just evoidiness value. Well, I hope you found that helpful. I don't know if you've got any questions around index fund investing. Investing is not only about index fund and all that. There's a little bit about bonds as well. And some of you say, well I want to put some money in bonds, I want to put some money in index fund. Yeah, we can discuss that in a different video where we look at things like asset allocation. How much should you put in bonds, how much should you put in stocks and how they are located. And also a very outdated rule that a lot of advisors use called 100 minus X where you decide, well, based on your age, if you are 30 years, we're going to do 100 minus 30 and 30% of your funds will go into bonds. I think it's outdated actually. If you want to jump into investing and you want to understand it on a granular level, you could get the money Wise doctor is right there on Amazon. I could get it with the link in the description. If you want some extra bonuses courses, you can order it from moneywisedoctor.com forward slash book. I can get the book. Have a little feed. Chapter six is all you need to understand investing. And if you prefer to be in a life master class where you know you can ask questions, understand investing and all that, I'm hosting a free investing master class. It's going to be. Usually the tickets for this thing go by really quickly. We try to keep it small and effective so that it's not too crowded and people can actually get their questions through. So if you want to attend, it's morningwisedoctor.com Masterclass is a free investment masterclass as basically seven steps to tax efficient investing for medics. Or you can check the link in the description. Well, I hope that was useful. If you found this useful, feel free to share it with your friend or your colleagues might find it as a clear, no jargon, straightforward way to start investing. And if you've got any questions, pop it in the comments as usual. I read all the comments and I do my best to reply to all the questions in details all right, then. See you. Bye. Bye.