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In this opening monologue, Ndubuisi 'Andy' Egwim warns higher‑rate taxpayers—particularly members of his Moneywise Doctor community—that immediately maxing out their Individual Savings Accounts (ISAs) at the start of a new tax year can be a costly mistake, potentially costing thousands or even tens of thousands of pounds. He challenges the common mantra that “time in the market beats timing” and promises to illustrate the issue with concrete numbers, questioning whether maxing an ISA should be the first financial move for these investors.

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