Financial Health Check 7 Checkpoints for UK Doctors

If you're a doctor earning well but feeling financially behind, overwhelmed with a nagging feeling that you're overpaying taxes, working hard every year but somehow not pulling ahead, you're sensing that your money isn't working as hard as you are, then this video is for you. Now I'm going to take you through the same financial health check I take doctors through in my private Moneywise Doctor sessions, and by the end you'll be able to see clearly where your money is leaking, where the cracks are, and where you're exposed. And you see which 3 things that if will change the most and put you back in control of your finances. Now I'm going to name one of them straight away, one of the big ones, because it's the one that costs the most for most doctors and it hides the best. It's not the only one, but that's where we'll start. If you earn above £100,000 in adjusted net income, there's a band where the taxman takes £60 of every extra £100 you make. 60%. Now most doctors I have spoken to standing in that band had no idea they were in it. You just feel like you're working harder, but the harder you work, the less it's worth. And you are right, but not for the reasons you think. Now, that's just one leak. There are several of them, and almost none of them are about how much you earn. It's not about earning more, it's about taking care of what you already make. Now, quick one before we go any further. I have a small gift that you find useful. You can download it straight away. Spotting the leaks in your financial system requires a systematic approach. So to help, I've created the MedScan Financial Health X-ray, and I've done the entire thing into a simple one-page checklist so you can score yourself properly as we go and keep it afterwards. It's free. You can just help you to see exactly what's happening. Now, the link is right below in this video. Download it now and score yourself on paper or write in your, in your sort of like PDF rather than in your head, because what gets written down gets fixed. No theory here. This is the same practical approach I've taught to over 4,000 doctors in my masterclasses. And so, you know, this isn't abstract. Yeah, a few doctors you'll find in this video. Let me just give you some practical examples, like Dr. Ruth, a consultant radiologist whose one protection decision held her family steady when her clinical career ended overnight. Financial protection. There's Dr. Yusi, a GP who reclaimed over £10,000 in overpaid tax once she saw what her accountant had not spotted earlier on. There's Dr. Mo, who found a £24,000 tax bill quietly building inside the wrong investment wrapper. And of course, Dr. Chris, who discovered he was paying his wealth manager thousands of pounds every year for an index fund that he could have run himself. So he was behind, basically. These are real doctors, real numbers, and the same extra you're about to walk through yourself has been applied by most of these doctors. Now, if you're here for the first time, I'm Dr. Andy Egwim. I've been a doctor for over 15 years. I'm a former salaried NHS GP, and I'm the author of The Money Wise Doctor, which is a best-selling book on personal finance for Doctors, um, is The Money Wise Doctor. It's a bestseller on personal finance, investing, and money management. I left my salary draw 4 years ago after several years of tax-efficient investing. Quietly, it took me to the point where I hit my financial independence and work became optional. Just to be clear, I don't fly in private jets and I don't own a Ferrari or Lamborghini. Um, the one thing I do own, which I gained after hitting financial freedom, 4 years ago was that independence and total control of my time. So no longer requiring a job or needing one, that's what allows me to take months out for my family, for travel, for writing, and to make content and videos like this. Okay, and I'll say this once clearly so we don't need to keep coming back to it: I'm not a financial advisor, and nothing in this video is regulated financial or legal advice. There are no financial products here, so I'm not here to sell you any financial products. Moneywise Doctor is financial education and coaching, Doctor to Doctor. My mission is to help 100,000 doctors reach the point where work is optional and they take charge of their finances for the future. Now, in just a few minutes, I think you recognize yourself somewhere in the picture. Let's just get into it. I'll say usually there are two camps when it comes to doctors. So let me start with something I see again and again. For years, doctors have handled money one of the two old ways. I'll call it like Camp One, the first old way. They do nothing. They bury their head in the sand. They leave the brown envelopes unopened in their drawers, hoping it sorts itself out. That's Camp 1 on this side. Now the second old way, Camp 2, hand it all over. I don't understand any of this. I'll just pay professional thousands or tens of thousands over time and hope they are doing a great job. Sometimes that professional turns out to be great. Other times it could be a financial salesperson and basically keeps you in the dark and keeps you a bit poorer while getting paid. There's I'm not saying they all behave like that, but we've seen a lot of situations. But there's a third way, and that's what this video is about, and that's what I'm going to show you. Recently at Moneywise Doctor, we ran a financial health survey of about 1,500 doctors, and the numbers were striking. 71% of the doctors said they fell behind financially. Now, 67% worried they wouldn't have enough to retire comfortably in their mid-60s. 41% didn't have an emergency fund of 3 to 6 months, and 55% had no proper financial protection in place. So if anything went wrong, they were exposed. Now, these are doctors, some of the most intelligent professionals in the country, and most of them feel financially behind for their age. Now, when I look closely, almost every doctor I've spoken with falls into one of two camps. Camp 1, you're earning well, but you're building very little financial independence and your tax efficiency is poor. The money comes in and it goes out. It feels like a leaky bucket. There's no system in place. Despite working really hard, it feels like you're running on the spot, making no progress. Now, this is not your fault and it doesn't mean you haven't tried. Nobody ever showed you how to build a simple system, so you've made a few haphazard moves, maybe an ISA you opened years ago, a pension or a SIP you don't really understand. A vague sense that you should be doing more and a quieter sense of guilt that you're not, especially if you've got dependents and you're worried you're letting them down, like your children. You're not in trouble, but your financial well-being is shaky, and if your income suddenly stopped or dropped or even paused, things could unravel faster than you'd like to admit. Then there's Camp 2. You've started, you've got bits and pieces in place, an ISA here, a SIP there, maybe some money a wealth manager runs for you, a bit of crypto and maybe even a bite of lead because why not? Let's make things spicy. But it's a patchwork. It's all over the place. Nobody is connecting the dots. You don't know whether you're leaking taxes because you have no system in place for reviewing your finances. And you can't actually answer the question, am I on track to my financial goals? Financial independence? Am I on track? Because nobody has ever shown you what the track looks like. So both camps can feel the same thing. Behind. Lost. Now, a consultant recently messaged me on Instagram. She was earning over £130,000 and she was overwhelmed and genuinely confused because on paper she'd done everything right. And yet she felt worse off than when she earned less than £100K. She said something that struck me. I've upgraded my life but downgraded my freedom. It feels like I'm running on the spot, burning my energy without moving forward financially. Now that sentence describes most high-earning doctors I meet. A bigger house, better car, private school, and less freedom than they had when they earned half as much. Now the problem was never her income. And for you, probably the same. As doctors, we don't usually have an income problem. We don't even have an investing problem. We often have a clarity problem. You've got pieces of the puzzle, but nobody has ever shown you the picture on the front of the box, how it should look when you put it together. That's what we're going to fix today, starting from what I call the 5 levels of financial well-being. So before I show you the X-ray, I want you to spot exactly where you are on this picture in the ladder. Now, there are 5 levels to financial well-being, and basically I'll go quickly through this one, so come along. Just notice which one you are on Honestly, not where you like to be, where you are right now. So there's level 1. You are in survival. High consumer debt, overwhelmed, no personal financial system. You're working very hard, but your money is not working at all. Okay, that's level 1. There's level 2. You've got the foundations, an emergency fund, some limited financial protection in place. You are stable. If something went wrong tomorrow, you wouldn't fall apart. But there's very little growth and no real investing. Okay. There's Level 3. You are stable, but you're leaking. Your tax is not structured efficiently. You're investing, but not through the most tax-efficient structures for you. You might even have life insurance, but it's not in a trust, so it's not protected, which means it could form part of your estate and be exposed to up to 40% of inheritance tax. You have no estate plan. You're losing money you can't even see. There's Level 4. Everything is in place— foundation, protection, tax-efficient structure— but you're not yet investing properly, usually because of confidence or because nobody's ever taught you how to do it sensibly without taking unnecessary risk. You're ready, but you're still parked, like your car is still in park, so you're not moving. Level 5 is all in place and is working. Your money is invested properly, is compounding, is growing tax-efficiently. You're quietly building your financial future. Even while you sleep. And after speaking with thousands of doctors, I can tell you that most doctors, even those earning well, looking successful, are at most about level 2 or 3, not 5. And the gap between 3 and 5 is not more money, is not more income, is not a higher income. It's having a personal financial system in place. That's the whole game. So hold your number in your head. Let's just dive into the financial x-ray that we talked about. And if you haven't downloaded it, go ahead now, click on it. Download it totally for free. If you already know, you've watched this far and thought, yes, this is for me, I don't want to figure this out alone, I want to go through this properly with someone who's done it and people who would hold me accountable. If that's you, you don't need to wait until the end of this video. Just head over to my Instagram page. So you see the account is Moneywise Doctor and send me a DM with just one word, system, S-Y-S-T-E-M. Just send me that DM, just that one word, and my own system will automatically send you a short document, an offer document that explains exactly how I work with doctors, who I work with, and how to start. Now you read it on your own. It just takes you a few minutes. There will be no sales call, no one chasing after you. I believe you are intelligent enough to know whether this is something you need help with sooner rather than later to help you avoid making costly mistakes in the long term. If that's not you yet, No problem at all. Stay with me. Let's find your leaky spots so you can start fixing them. Okay, now here's how this works. I'm going to walk through your financial system the way you do a review of systems for a patient. And there are 7 checkpoints we're going to look at. 7. At each one, score yourself red, yellow, or green. Now red means it's not in place, there are leaks. Yellow means it's partly there, and green means it's all sorted. So come along, be honest, nobody's watching you. The reds are the most useful thing you'll find today because then you can fix them. In medicine, we don't treat before we diagnose. So do the same with your finances. Diagnosis always comes before treatment. Even the emergency still have to make a quick diagnosis. Now let's look at the system. The first question, number 1: when your money lands in your account each month, does it automatically follow a plan, a system, or does it just sit there until you spend it? Okay, most doctors are running on willpower and discipline. They mean to save, they mean to invest, but it's manual. There's effort, so it's inconsistent and it doesn't happen most of the times. So here's something I found genuinely surprising. You happily pay your council tax automatically by direct debit, your electricity, your water, your mortgage, even your GMC registration by direct debit. Everyone gets paid automatically, everyone except you. Your own future is left to memory, discipline, and willpower, which means on the busy months, the months you most need it, it doesn't happen. You're not putting anything aside. Your future deserves the same respect as your mortgage lender. So the doctors who reach financial independence don't have more discipline than you. They just have a system that doesn't require discipline. So the money moves before they can touch it. I call it AMAS. In my book, I call it the AMAS system. The Automated Monthly Allocated Savings system is one of the best things that we help doctors install, and you can do this yourself. It's a fixed share of every pound coming into your account is routed automatically the moment it arrives into dedicated accounts that will help you build your financial freedom. So if your savings and investing depends on you remembering, that's a red. If it happens automatically every month without you thinking about it, that's a green. So you've got direct debits to your savings and investing. So score yourself. Now, checkpoint 2 is protection. So that's the next thing. If your income stops tomorrow, illness, injury, something you didn't see coming, how long would your household be able to hold the line? You know, this is one most doctors want to skip and the one that can lead to the most regret. Because for most doctors, your biggest financial asset is not your house or your ISA or even your pension. It's you, your ability to work, your ability to earn. Okay, over a career, that, that could be worth millions, and it's usually the least protected asset you own. So let me tell you a little bit about Dr. Ruth. Ndubuisi 'Andy' Egwim. She's a consultant radiologist. I think I must have mentioned her previously on my podcast. She first reached out to me on LinkedIn and let us share her story on the Moneywise Doctor podcast. She was fit and well in her 40s and then brilliant career, no major health concerns. Then on Christmas Day 2020, she woke up to what she described as her worst Christmas present ever, a painful eye condition that meant she could no longer practice medicine, especially as a radiology consultant. Within months, her clinical income was gone and the thing that held her family steady wasn't her savings, and it wasn't just her NHS pension because it wasn't even due at that point. It was an income protection policy that she had come close to canceling in the past but kept. So we always think it won't happen to us until it does. And that's how one doctor in my community puts it, and he's right. He said, you think it can happen to everyone but never to you. And many doctors assume that the NHS pension will sort it out, but the full NHS sick pay lasts only a limited number of months even for long-serving staff. So let's score now. Score yourself under the second part. Do you have a proper income protection and life cover written in trust? That would be a green. You've got some life cover through work, but you can't describe it in detail. You don't know the details. That's a yellow. If you've got nothing at all in place, that's a red, and it's one of the most important reds on this list that you can deal with straight away. So score yourself and let's move to checkpoint 3, margin and debt. So a quick one. First, do you have breathing space? Do you have margin? Are you in debt? 3 to 6 months of essential living expenses saved up in an emergency fund in cash. Not because cash gives great returns. It doesn't. But its job is to buy you time, give you margin, time to make good decisions instead of urgent ones, and time to avoid selling investments at the worst possible moment. Maybe because the boiler broke or you need to fix your car or something like that. Secondly, are you carrying expensive debt? Debt, not just your mortgage. I mean the costly kind. Credit card, unsecured loans, car finance you signed without reading it. There's no point in investing for an 8% return while you're paying 20% on a credit card. It's like filling a bath while the plug is out. It never gets filled. So score yourself emergency fund in place and no expensive debt. That's a green. Started, started, you started, but there's a bit of debt there, but it's under control. That could be a yellow. And the, uh, one unexpected bill. If you're in the position that one unexpected bill will cause a big problem, that's red. You've got huge debt, no margin. Okay, number 4, we'll come back to the one I opened with. That's the one that costs doctors the most and hires the best. That is taxes. Okay, your tax efficiency system. Now let me ask you directly, do you know your marginal tax rate? Not your salary, the rate at the next pound earned is taxed. And do you have a system for reviewing your tax efficiency every single year before the tax year ends to make sure you're not overpaying? I'm not talking about not paying, I'm saying not overpaying, because there's a difference. For most doctors have never been shown this, and there's a difference in paying the right amount of tax and overpaying. And the accountants do their best, but most times they focus on compliance and reporting but there's no tax strategy. So tax strategy looks at what you can legally do to improve your tax situation before the year ends. Now, these are two completely different conversations, and most doctors are only having the first one. So compliance, filing. Now, remember the trap I named at the start, the 60% tax trap? Between adjusted net income of 100K and roughly 125,140, you lose your personal allowance and your effective tax rate goes up to 60%. Okay, so this is where a lot of doctors have found themselves, especially consultants. And one of the consultants who talked to me, to do. She said that she stopped doing extra sessions because they are barely worth it. She was right, but not for the reasons she was being taxed at 60% on those extra sessions, and nobody had ever shown her that she had options and there was a lever that she could pull. Here is the part that stings. Dr. Rima, a GP who came through one of our workshops having overpaid tax for several years without knowing, once she understood this stuff and she structured things properly, She reclaimed almost £10,000 in tax relief. Her accountant hadn't done anything wrong exactly. He had been filing but never talked about this stuff. So take Dr. Ola, another example, had about £100K sitting in a regular savings account. He thought he was being responsible. No speculation, no risk. But because the money wasn't structured properly, he was quietly overpaying taxes of about £2,250 every single year. Not because he had done anything wrong, but because nobody has shown me a better way to be more more tax efficient. And again, there's Dr. Mo, lovely chap. He had been investing consistently for years, built up around £100,000 in capital gains. But the investments were not the problem, the tax wrapper was. The money was sitting in the wrong container, and he was heading for a tax bill of around £24,000 that better structure could largely have avoided because he didn't start with tax efficiency in mind. Now, this is what I mean by insensible loss of money. Like insensible fluid loss or heat. You don't feel it leaving, but it adds up to liters. It adds up. One doctor I worked with was losing around £7,000 a year this way and couldn't see a penny of it going. And I'll say the thing that most often, you know, most times we think about, you cannot out-invest poor tax structure. I say this to the doctors in our community. You can pick the best fund in the world, but if the money flows away through the wrong tax structure, you've already lost at the beginning. So now let's score. You're using all your allowances, you have the tax structure in place, the 60% tax stripe is handled, everything is in place— green. You're trying, you have an accountant, you've even done some filing, but you're not sure what is going on— is yellow. Okay, not doing anything for tax efficiency— red, actually. So basically, you're doing some things already, you're doing something in place— is yellow. But if nothing at all is being done for tax efficiency, is red. Okay. Now, number 5, investing. Now, your money is actually working as hard as you do. Is your money working as hard as you do? Invested, growing, compounding tax efficiently, or is it just sitting in cash or in something you don't really understand? Dr. Raj, an NHS consultant, told me something that captures this perfectly. He said, Andy, I've had a stock and shares ISA for nearly 3 years. And I said, well, that's brilliant. What have you invested in? This is a practical example. He looked at me slightly confused, looking a little bit embarrassed, and quietly replied, nothing. The account was open. He had the account. The money had been transferred into the Stock and Shares ISA, but it had been sitting there in cash for almost 3 years, losing value to inflation the whole time. Not because he wasn't intelligent, a bright doctor. He opened the platform, found 47 things that looked like, you know, the S&P 500 or FTSE or whatever he was looking for. He was froze. He didn't come back to it again. He just froze. Then there's the other extreme that I've seen, handing everything over. Dr. Chris also came to one of our workshops to understand the portfolio his wealth manager had built. Now, when we looked under the hood, you know, looked under the bonnet together, most of what he owned was broad, well-diversified index funds and bonds. Perfectly sensible investments. The surprise wasn't what he owned. It was what he was paying around 3% of his invested funds, thousands of pounds every year compounding against him despite a 20-year horizon and a portfolio that he could have even run himself. Now, when he moved to doing it properly with a system, he said something that I love. He shared in the community, he said, investing feels boring now, and that's a relief. That's exactly how it should feel. Successful investing is remarkably boring. It's not predicting the next NVIDIA or Tesla or whatever. It's a simple strategy that matches your goals, your risk tolerance, and your time horizon, followed month by month, year after year, and compounding long term. So could you explain why you own every investment you hold? Could you explain it to your partner or colleague or to a child? Or are you mostly trusting that someone else knows what you're doing? Because there's a huge difference between owning investments and understanding them and how it fits your goals. One gives you anxiety, the other one just gives you more confidence. So let's go back to scoring again. I don't want to get carried away. If you invested in a sensible, tax-efficient, low-cost way, you are aligned to your risk, your goals, your profile, it's a green. You've started but it's a patchwork, it's all over the place, it's a yellow. If you're just sitting on cash or you don't know what you own, it's red. So go ahead, score yourself, and then we'll move over to the next. We're going to number 6 now. Pensions and freedom. So first, your NHS pension, if you've got one. Have you actually opened the brown envelopes and looked at them? Do you know what you've got, whether your record is right, whether your death benefits are nominated? These are important stuff that we don't talk about, but it's really important. Most doctors haven't looked. It's the single most valuable asset for many doctors, and then it's sitting there unexamined in random, like, envelopes and drawers and all that. Now the second one, do you know your number? The amount that will make work optional for you. You don't need basically to get the retirement and the whole FIRE stuff, financial independence, retire early. That would be lovely, but for most doctors, you still want to keep working. You love your job. What you want is FIWO, financial independence, work optional. That's a term I coined. So most doctors love medicine, they want to keep working, but the goal is to get in a position where work becomes optional. Not because you want to stop working, but because you want it to be an option that if you wanted to stop or cut down, you can do that. A doctor in the Moneywise Doctor community said something to me that I think is worth repeating. She said, after I started taking charge of my financial future, I stopped feeling trapped years before I stopped working as a doctor. So that's the prize. It's not a finish line decades away. It's a feeling of freedom and control that you can reach sooner than you think. Let's go back to the scorecard. You know your number, you're building towards it on purpose and on track is a green, a big green. You want a pension but no clear numbers, let it be a yellow. You've never looked or the envelope is still in the drawer is a red. Go ahead, score yourself and we'll go to the final one, checkpoint 7, your legacy. So last one quickly. We all pray for the best but we plan for the worst. Sadly, I've had colleagues who became unwell and a couple of them who passed on quite young, okay, 30s and 40s. Now if anything happened to you with your family be looked after the way you want, without confusion, without an avoidable, you know, inheritance tax bill, without a mess? Will in place, life insurance or life cover written in trust so it doesn't get cut out by inheritance tax, beneficiaries nominated, estate thought through. Would your family even know where everything is? Example: Dr. Jane, a doctor in our community, told me something that stayed with me. She said, Andy, I've spent years looking after my patients' families but never properly looked after my own. So she had that gap in her finances. That was the moment everything changed for her when she came to that realization. Not because she suddenly became wealthy, but because she became organized and more intentional. That's what legacy is. And it starts with the basics being in place. It's not about being morbid, it's about being organized for the people you love. So again, let's do the scoring. All sorted. Green. Some of it done. Yellow. None of it at all. Red. So score yourself. Okay. Right. Look at what you've already got. Count your reds and your yellows. Don't be discouraged by them. Every doctor we've ever worked with started with a handful of reds and some yellows as well. The reds are not failures. They are the map. They show you exactly what needs your attention first and urgently. Now let's do one thing. Of all the reds and yellows, Pick the 3 that if you fix them in the next 60 days would change the most and put you back in charge of your finances. The 3 that will let you sleep better. Write them on a checklist and just circle them. That's it. That's the work. You've just done in under 30 minutes what we do with doctors in our first private session, and you found your constraints, the areas you need to fix. Most people go their whole career without ever seeing this clearly until it's too late. And here's the honest part. Knowing your tree is not the same as fixing the tree. You know that better than anyone. You've known what you should do for years. Now, the gap was never knowledge. There's lots of content there. The gap was a system and a room, sort of people supporting you with that accountability to help you get it done. So let me tell you briefly how I closed that gap myself, because I didn't start out with all these things sorted out. I had to learn it myself, sometimes the hard way. I started investing at 19, medical student with few side hustles, putting some extra money into the investments I got from my side hustles. I addressed something back then that stuck, that the doctors who end up financially well are not the ones who earn the most. They are the ones who take charge of their finances intentionally. That's when I started reading books like Rich Dad Poor Dad and the rest of them. So I started with very little and I kept going. Through medical school, through house jobs, and even during my residency years, when everyone around me upgraded their lifestyle the moment their salary arrived. I upgraded slowly and I invested the difference, not allowing lifestyle inflation to catch up. I did it in a quiet way, boring, tax-efficient way. Now, through the financial crisis, through the bear market, bull market, through mistakes, successes, I just kept going. Now, some of those decisions compounded over two decades of investing and a lot more. And I can't say it out loud, but they allowed me in 2022, after I'd done the maths, to be able to walk away from my salary GP role. Not dramatically. I simply reached the point where the income that I'd built covered the life I wanted and work became a choice. So never really had to go back to a salary job since then. I didn't do anything clever. I had a system. I started early. I stayed consistent while structuring everything tax efficiently to lose as little as possible to taxes and fees along the way. The only difference between me and a doctor starting out at level 2 or level 3 is not intelligence and is not income, is that I had a system and I followed it. You can also have the same system yourself. So what is the system? Let me give you the map, the same one that doctors in my private mastermind community have followed. It starts where we started today. Diagnosis first before treatment. You X-ray your finances first so you're fixing the right things in the right order. Then the treatment. So you look at things like SCRUBS, the 6-step pathway we walk doctors through. Your safety net, your clarity, removing expensive debt, underwriting your risk, your financial PPE, building your personal investing blueprint, and shielding it all from unnecessary tax in a legitimate way. Okay. Underneath it sits AMAS, the system, the automation that pays your future first without willpower. And before any money is ever invested, every decision passes through a simple sanity check filter. So you never invest in anything you don't understand. So you diagnose, you stabilize, you protect, you structure your invest— investment, then you shield it from avoidable taxes in a legitimate way. And none of this thing is rocket science, all teachable. You can learn it.. And you can do it without missing any single sort of like structural step that makes things sort of to leak out. So I run a small cohort, the Mastermind, is premium financial coaching for doctors and dentists who want to take charge of their financial future. You want to close the reds properly with a system, with some support and handholding alongside other doctors doing the same thing. That's the part most people underestimate. It's not me lecturing you. Is a room of intelligent, motivated doctors working through the same problems and taking charge of their financial future. And honestly, some of the best light bulb moments come from watching another doctor, maybe two steps ahead of you, solve the very thing you were stuck on. So you get that support, you get the handholding to walk through exactly what you diagnosed today. You learn how to get your money onto a simple system that you can run with Confidence and clarity. So it builds without requiring a huge amount of discipline and willpower. So you learn how to protect your finances and how to structure your tax so you stop bleeding and leaking taxes in areas you shouldn't be leaking. In fact, for a lot of doctors in the Mastermind, the tax structuring alone changes the maths of their income so that it's not just sort of coming from one direction and leaking out. You learn practically how to invest calmly, tax efficiently in a way that you would understand. And you can start building towards your number, your financial freedom number, your work optional point on purpose. And you also have people who hold you to it, accountability. Now, as you may have guessed, this program is by design not for everyone. So let me tell you who it's for and who it's not for. If you're looking for a hot stock tip, a way to get rich quickly, or some sort of like fancy scheme, this is the wrong room, and I rather you knew that now. There's nothing like that here. And if you are looking to hand over your money to someone else to manage it for you so you're hands-off, again, this is not that either. That's not what we do. There are no financial products, no regulated advice. What you get here is structure, a calm system, and a group of doctors building real financial freedom, certainly in a compounding way And it feels boring sometimes, but boring is what financial freedom is built on. If you've watched this far, you've already decided whether Dr. Andy, MoneyWise Doctor, is someone worth listening to. So the question left is not, can I trust the MoneyWise Doctor system? The question is, hmm, is this right for me right now? And am I right for the MoneyWise Doctor system? So that's the only question designed for this step to answer. Are you right for us? Are we right for you? Now, before I tell you about the next step, what you could do if you want to move forward is remember who you've met in the video. The doctors: Dr. Ruth, whose protection decision carried her family through the worst Christmas and period of her financial life. Dr. Ola, who stopped quietly losing money, thousands of pounds in a year, due to a problem she saw and fixed. And there's Dr. Mo, who the £24,000 tax mistake. Dr. Raj, whose money finally started working for him after 3 years, packed in cash. And again, Dr. Chris, who fired the 3% fees and started investing themselves and saying it even felt boring and he felt relieved. So a couple of other examples that come to mind also, there's Dr. Rita, a lovely GP partner who had not understood her pension and taxes for years because they looked confusing and sometimes scary. This sometimes led to costly mistakes and penalties that she had to pay. However, after she learned the system to manage her finances, she started making positive changes around these areas and is taking charge of her future now. There's Dr. Liu, who managed to escape the 60% tax trap through a tax-efficient investing system that boosted his personal pension but also gave him significant tax relief. Now, none of these doctors earned their way out of the problem. Every one of them put a system around it. So here's what to do. Go to my Instagram account, Moneywise Doctor, and just send me a message with the word system. Just one word, system. The moment you do that, my own system will automatically send you a short document, okay? It's an offer document that explains exactly what the mastermind is, how working through together actually looks like, who is for, and again, how to apply. It's quite straightforward. You read it on your own, in your own time. There is no sales call, there's no one chasing after you, no pressure. Nobody will chase you. If it's right for you and you're a good fit for us, the document tells you exactly what to do and how to apply. And if you have applied, then my team will be in touch. If it's not the right time, that's completely fine, you still walk away from, you know, watching this video having done the thing most doctors never do. You've looked at the extra of your finances instead of leaving it and pretending that it doesn't exist. Now, one quick note: we deliberately keep the Mastermind small. Each cohort is limited to 30 doctors, so everyone receives meaningful support, feedback, and accountability. Now, one of those places are filled When enrollment closes, you'll find all those details inside the document. And those 3 areas you circled today, that's exactly where we start. So you bring them to your first session. I will map for each one in order. So you've already done some of the diagnosis. The next step is to come up with a management plan. You found your first 3. The only thing that separates the doctors who stay at level 2 for another decade while postponing things from the ones who reach level 5 is whether they put a system around it, whether they take action and do something about it. Now, if you are ready for that system, you know the word. Just go to my Instagram, send me the word, DM me the word system, and I'll see you on the inside.