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

She Paid £37,500 in Professional Fees Over 15 Years and Never Claimed a Penny of Tax Relief

26 Aug 2026 · 1 min

Watch on YouTube

1:24

In this YouTube monologue, Ndubuisi 'Andy' Egwim recounts a case from his book The Moneywise Doctor about Dr. Sarah, an NHS consultant who, over 15 years, paid roughly £37,500 in professional fees (GMC, indemnity, Royal College, BMA, and unclaimed mileage) but never claimed any tax relief. HMRC only allows back‑claims for the most recent five tax years, so she could recover about £5,000—roughly a third of what she was entitled to—while the remaining ten years of relief are permanently lost. Andy uses this anecdote to illustrate how many doctors miss simple tax‑efficiency opportunities. He then introduces his comprehensive “ABCDE Tax X‑ray System,” which he claims covers all aspects of doctors’ tax planning, and promotes an upcoming limited‑capacity Doctors Tax X‑ray Workshop (30 spots) where participants can work through the system with him. Viewers are invited to comment “X‑ray” to receive workshop details.

Chapters

Half a loaf of bread and The Moneywise Doctor. How are these 2 even related? Well, in chapter 5 of my book, The Moneywise Doctor, I tell the story of Dr. Sarah, an NHS consultant with over 15 years of experience. For 15 years, she had been paying her GMC fees, indemnity, Royal College, and BMA fees, and also some mileage she didn't claim. So roughly £37,500 in total across those years. She never claimed tax relief on any single year of it, not even a penny. And by the time she found out, HMRC only let her go back 5 years. That's the current year plus the 4 before it. The other 10 years were gone, worth several thousands of pounds that she'll never see. On the 5 years, she could still claim back about £5,000. So half-proof or one-third is better than nothing. This is roughly what she recovered, about a third of what she was entitled to across her whole career. It's better than nothing, but two-thirds gone simply because nobody told her sooner. Now, claiming professional expenses is just one small piece of tax efficiency though. After doing it myself and then teaching 4,400 doctors, I built something that covers the whole picture, not just one area of tax efficiencies. My ABCDE Tax X-ray System. If you want to go through it properly with me and a handful of doctors, I'm running the Doctors Tax X-ray Workshop in a few days, just for 30 doctors, 30 spots. Comment X-ray, my team will send you the details.