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Dentists Who Invest Podcast
Official Podcast of the Dentists Who Invest platform. Talking all things investing, money and finance with a dental spin. Have you ever wondered how you can grow your wealth and protect your hard earned money as a Dentist? We've got you covered. Featuring famous guests such as Andrew Craig, Edward Zuckerberg and Benyamin Ahmed we delve deep into EVERY aspect of finance to educate and empower ALL Dentists.
Dentists Who Invest Podcast
"I Retired In My 30s" with Dr Andy Egwim [CPD Available]
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UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
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If you have ever looked at a strong income and still wondered why money feels tight, you are not alone and you are not broken. We sit down with Dr Andy Egwim GP and founder of Money Wise Doctor, to unpack how clinicians can turn earnings into lasting wealth through financial literacy, tax efficiency, and a system that actually gets executed. Andy shares the real story behind reaching financial independence, why he still keeps a small hand in clinical work, and what “time freedom” looks like when it is earned rather than fantasised about.
We get practical on the UK personal finance essentials that move the needle: understanding the UK tax system, using tax efficient investing wrappers like ISAs and SIPPs, and claiming allowable professional expenses so you stop donating money to HMRC by accident. Then we break down Andy’s favourite framework, AMAS (Automated Monthly Allocated Saving System), which replaces fragile budgeting with automation. Whether you are paying off high interest debt, building a proper emergency fund, or investing for compounding growth, the goal is the same: make saving and investing happen in the background.
We also tackle the debate that never dies: mortgage vs investing. Andy explains why the type of debt matters, why a 35% credit card balance is not comparable to a low rate mortgage, and how risk tolerance and sleep-at-night peace of mind should influence your plan. We round out with values-based spending, lifestyle creep, and a Profit First style approach to paying yourself properly if you run a practice or a side business.
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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.
Welcome And Guest Introduction
Dr JamesHey everyone, another episode of the Dentists Who Invest Podcast and you know what I've got somebody who's appearing on this for the very first time today and his name is Dr. Andy Egwim and Andy is an interesting factor because he basically educates doctors, specifically medical doctors, on finance, uh education of financial literacy, everything along those lines, all of that good stuff that Dentist investors, except simply for doctors. I want to get Andy on here today because I know that everybody exists in this podcast and listen to one of you after you might know how I think a little bit about money. Uh anyway, um but basically Andy was gonna have a many more other frameworks and low factories and useful tidbits of knowledge that will be transferable to dentists and also it's interesting to learn all about Andy, a little bit about Andy and his life as well. So this podcast is all of the above and more.
CPD And Member Perks Explained
Dr JamesAs ever, you can claim your CPD for this episode within the official Dentists Who Invest Smart Money Members Club. Smart Money Members Club also includes multiple mini courses and webinar series on finance for dentists, including how to become as tax-efficient as possible, as well as understanding investing. All of this content counts as verifiable CPD, and you can download your certificates there and then upon completion of each lesson. In addition to this, we also include a whopping 10% discount on your dental indemnity and a 5% discount on lab bills for dental principals, amongst other perks and discounts for members. Please use the link in the description to claim your verifiable CPD for this episode Andy, how are you today?
Dr AndyI'm doing great. Thank you for having me, uh James. Yeah, we we found out about each other, found out that we're very netty about personal finance and what you do for dentists, I do for doctors. So I'm delighted to be here and thank you for inviting me.
Dr JamesHey, my pleasure, mate. My pleasure. I can't believe it took us so long to find each other. We've both been doing this for what, like five, six years now, and we only really got the chance to connect a few weeks ago. So there we are. Well, maybe Andy, what it might be nice to do is share a little bit about yourself just to kick things off.
Andy’s Journey To Financial Independence
Dr JamesMaybe a little bit about your background as a doctor and what caused you to find your passion in life and go down this path of being an advocate for financial literacy in the in the in the world of medical doctors, as we were saying a second ago.
Dr AndyYeah, so I'm Dr. Andy Egwim, so I'm a real doctor, unlike Dr. Dre, so I did go to medical school.
Dr JamesI thought I thought you were where you were going with that was I'm a real doctor, unlike the dentists who are listening to this, because sometimes No dentists are doctors as well. Just because of that, but that's fine. You uh resisted.
Dr AndyNo, no, no, no, no, no, no, not at all, not at all. Yeah, but um, so but I've all always been interested in personal finance right from when I was a teenager. I didn't grow up with a lot of money, growing up in Nigeria, but I delved into personal finance because I just tired of seeing everyone around me seemed to be a very hard worker, went to school, but didn't seem to end up with a lot of money at the end, or no money because of financial issues. So I started looking into things like books, like reach that poor dad as a 19-year-old. Um, started by investing journey back then in medical school, and it got to the point as a medical student. Um, I was teaching my professors how to invest and my colleagues. So I've always been down this pathway of personal finance. Um but I trained as a JP after I moved to the UK, and um after almost 20 years of investing, I achieved financial independence, so no longer needed a job. That was four years ago. Um then I started a blog, moneywise doctor.com, and that's what has evolved into the book, The Money Wise Doctor, as well as the podcast and everything else we do. Um, you've been doing it a bit longer than us, you've been doing it since 2020. I think Moneywise Doctor, the blog started in 2023, and um every every week I write 10,000 doctors in UK.
Dr JamesWow, holy money. Okay, so it's growing then, in other words. Yeah, a little bit a little bit, being very, very modest, very modest. That was that was kind of your uh inspiration, was your childhood? Because a lot of this stuff comes from somewhere, and for me it was uh continent, well, a few things that happened over the years. Um, but uh I won't go into detail about that because I'm sure most people who've listened to this podcast uh they they they might have heard those stories before and want this podcast to be a bit about you, Andy. And tell me this what real world Townswood benefits did learning about the world of finance have for you and have on your career as a doctor? I'm curious.
Tax, ISAs, SIPPs And Investing Basics
Dr AndyUm it's quite massive to be honest. Um, first of all, just uh starting from the point of an average doctor makes some money, maybe not as much as an average dentist, but makes some money and loses quite a bit of it due to things like overpaying taxes and not knowing what's happening with their money and not growing their money. So just learning about personal finance meant that if I made a pound, I could take home as much as legally possible without leaking through taxes. So that was the first place to start. When I moved to the UK over 10 years ago, it's going to almost 11 years now. Um, one of the first things I had to learn was how the UK tax system worked. And that helped me, for instance, one, making sure that when I started my investment journey, I was investing through the proper tax efficient accounts like ISA and SIP, because I had to restart again when I moved to the UK. So ISA and SIP so that I wasn't ending up paying taxes on my capital gains. Then, of course, things like claiming tax relief from professional expenses. Um you see there are doctors, I tell them about dentists, but doctors who have gone years and lost out thousands of pounds in professional expenses. But then the biggest impact for me was investing, um, sort of like just learning about investing, growing your money, compounding. And back then, when I was a 19, 20 year old, I'll look up to people like Warren Buffett and the rest of them. Um, I've been fortunate to get to see him in person as a shareholder in his company at Obaha. But but letting investing at an early age and compounding helped me to hit that financial independence. I I still don't own a jet or a Ferrari or anything like that, James. It's just I've just got that whole financial freedom and don't have to walk if I don't want to, so I could do things I love, like financial literacy, advocacy for doctors, and the rest of that.
Dr JamesThere we go. And I know that you told me this last week whenever we talked. I still think I still recall from our conversation that you keep your foot in, uh you keep your hand in a little bit whenever it comes to your doctor's career, your doctoral career, uh, career as a medical doctor. Um, and that looks like how many days a year was it of working? I think you work like 20 to 30 days a year or something.
Dr AndyYeah, I need to do 20 days. So if you want to keep your license a GP, you need to do 40 sessions. So that equates to 20 days a year. If you do that, you can't retain your license. And also it gets harder to find the time to do that, but it's relaxing and it's fun for me. Um, I work in Devon and Cornwall, I train in Cornwall, so it's a lovely place to be. And uh sometimes work and fun, magist. Um, and uh, if you already enjoy practicing medicine, that's something you you want to keep going. Let's see how the next few years go, if I still have time for that, because I've got many other stuff. Now I've got like a little bambino, my little one, who who requires me in the evening, so it's harder to take up any evening shift or or any anything like that.
Dr JamesThere you go. Okay, so daddy duties are in the in the mix now as well. But I mean, you've got to a great place because your time is your own and now you can give back. Uh your your your time is not tied to money anymore, which it is for so many people out there. It's crazy because, in effect, we're selling with time um most of on in on most occasions whenever it comes to our working life. And the point of financial freedom is separating the link between money and time. It's not an overnight thing. You just gotta know how to
AMAS System For Saving And Investing
Dr Jamesdo that. And you know what? Just on that, Andy, I was interested in everybody who's listening to this podcast, there's a good chance they've heard my frameworks and my methodology and thought process before and how it applies to dentists. What I want to know is do you have a framework that you followed and that you would advocate other people to follow so that they can attain the same status and start to reduce their commitment to their nine to five, if if that is a priority of theirs, of course, because it doesn't have to necessarily be. You might achieve financial freedom and still work 60 hours a week, whatever the fake you want to do. The point is that you get to choose rather than you feel obligated to do that. So, yeah, what are your frameworks on that front, or how do you suggest people start going about that process?
Dr AndyWell, I'm I'm delighted that you brought that up. Um, it's a matter of choice. I mean, someone might still want to work 60 hours a week if they want to, but it's different when you want to. Just like you work on DWI and you have fun with it, you enjoy it. I work on Money Wise Doctor, and it's fun for me. I'm speaking in conferences and writing books and doing all that stuff, and the same. Um, but yeah, frameworks that there are quite a few that I've written about over the years, and I think the frameworks depend on where you are. For instance, for a doctor who is just starting out, I would say for a dentist as well, who's just starting out and they're listening to this stuff and they're thinking where should they start? I think you've got to start with a framework I call AMAS. So that's AME S S, AMAS. Automated monthly allocated saving system. Because the biggest challenge a lot of times is not whether doctors or dentists earn a lot of money. The question is what's left at the end, what gets saved, what gets invested. And AMAS is simply automated monthly allocated saving system. How does that work? It's just to automate it rather than saying I'm going to make a budget. Because budgets tell your money what to do, but automation makes sure it does it. Budget is a bit like having a diet and keeping to it is a different thing. So having a system in place to make sure that a percentage of your income gets automated away from just routine stuff to investing. So for someone else, it might be they need to have 20% of their income automatically going into an investment account. That way, irrespective of what they do with the rest of their money, they have 20% investing and compounding over time. Like you said, um, I think I became financially free in my 30s, and someone said, Wow, that was quick. I said, Yeah, I said that I started doing it when I was 19, and I've been through three or four market crashes, and I think I was really slow. You know, a lot of the mistakes I didn't know about and learned them now. So it takes time to compound. So if you can have a way of automating your investing, not automate whether you invest automatically or the process of investing, that's not the question, making sure that the money gets set aside in an automatic way. And for someone else, you're not yet at the point of investing. So you need to build up your emergency fund. So that would be three to six months worth of your living expenses, so that if the market is shaky or something comes up or the boiler gets broken, or your car needs to be fixed, or something happens, it doesn't become an emergency and become stressful. So someone at that point, the same 20% goes into building that emergency fund first before investing. So it's at different levels. And for someone else might be in debt if you owe like credit card depth of 27% or some blood sucking, you know, 40-50% credit card debts, then you want to automate the same money, the same 20% of your income to go towards clearing that debt. You don't have to do everything at the same time. You clear the debts first, you turn next to the investing, and then sorry, you clear the debts, then you turn to the savings, and then you turn to the investing. So once you've cleared the debts and save three to six months worth of your living expense, I like a bit more than six months. Like here, James, we don't have like safety nets, like life insurance, and we don't have like sick pay or things like that. Yeah, so um, yeah, we've got like the financial protection bit. So that's what that's one of my frameworks, a mask. You automate it, you make it monthly, you make it, you make sure you have allocated it to whether it's paying off debt or saving or investing, and then make sure it's happening as a system. It doesn't require willpower, you don't need to be disciplined to do it. You set it and then it works on the background. So that's one of the frameworks.
Dr JamesNice. Okay, yeah, brilliant. And I mean, that is it kind of reminds me of oh, what's that flipping book? Um, maybe it'll come to me later. Um, but I I've seen that. That's that's that's covered a lot in uh that's covered a lot in a lot of self-help, uh self-learning financial uh framework books, and they all they all they all say uh things along those lines, which is really great. So it's good to hear it reiterated today from yourself because you directly lived that, you experienced it, and it's power. And um, yeah, they all follow the same framework, the same rough framework, clear your bad debts, get your three to six months emergency fund. Um, and then after that, your main, your the your next main goal is to manage your outgoings as much as possible, like not overspend, because obviously if you earn a million pounds a month, you can spend a million pounds a month if you really put your mind to it. Uh and then what you might consider doing is okay, what do we do next? Do we we do we prioritize paying off um more of our debt depending on the interest rate, or do we start to think about investing and how does that look? Uh be that via a pension and ISA, whatever whatever, whatever tax wrapper we decide is best for
Mortgage, Credit Cards And Debt Strategy
Dr Jamesus. And then Andy, I want to know when it came to your decision to invest, okay, and obviously compound your wealth, did you prioritize paying off your debt, or did you pri as in not just the bad debts like credit cards with the crazy IPR, what I mean is your mortgage, uh, because that's a common one for a lot of people. Maybe you didn't even have a mortgage back then, or did you prioritize uh investing, or did you do a little bit of both? I'm curious. UK Dentists, Dennists Who Invest now has an official platform where you can learn about finance and obtain UK compliant, verifiable CVD at the same time. The only platform that exists on which you can do both. The Smart Money Members Club has hundreds of hours of mini courses, webinar series, and live day recordings on all things finance slash tax efficiency for UK dentists. This includes complete courses on how tax works for UK dentists, finance so that you can invest and grow your own money, business so you can improve your profitability as an associate or principal, and for those out there that want it, there's also a mini course and how you can responsibly enter the crypto space using measured amounts of capital. I've gathered this content from the best of the best I could find in each respective area so that you know that this is how people at the forefront of each field advise their clients. The Smart Money Members Club also contains discounts on common things that UK dentists need to pay for on a regular basis. This includes a whopping 10% discount on dental indemnity, the offer to beat your income protection deal no matter what you're paying, and for the principals out there, 5% discount on lab bills and 10% discount on practice insurance. These are designed to offer hundreds, if not thousands, in annual savings. The purpose of this members club is to not only boost your monthly income but also manage your outgoings as much as possible and therefore create more profit. To celebrate the launch of the Smart Money Members Club, and given that the CPD deadline is coming up soon, I've decided to offer the first month for this platform entirely for free. This offer will end in the coming weeks as soon as the current CPD cycle is up. To collect your CPD for this podcast episode using the Smart Money Members Club, feel free to use the link in the description of this podcast.
Dr AndyThis is an excellent question because it's really important to separate the types of debt, right? Because there are lots of personal finance books. Some say, Oh, you need to pay off your debts and make sure you're debt free, and some say pay off your debt and save and invest at the same time. Then people get um burned out. Um so um I think having spoken to thousands of doctors, this is a repeated pattern you see. Someone has a credit card debt of 35%. They have a credit card debt, it's charging them 35%. They have no idea because most people don't even check what's on them, they're carrying a balance on it, but then they're giving like um 20,000 pounds to their mate who's starting a business who has promised to give them 10% return or 15% return. So the math doesn't make sense. So in my case, first of all, I've started with compounding. I look at investing in the stock market because that tool I understand. I started investing in the stock market quite early. I've got a bit of real estate, but not as as intense as or as as much as in the stock market. So I started from there, and then when I took on a mod gauge, that was my first year of working in the NHS, and I got married the next month. When I took on a mod gauge, I wanted to buy the least house I needed. Like it's just me. So I bought a two-bedroom in Conwo back then. Um, the interest rate was 2.09%. The same year, my stock market portfolio returned about 35% or 36% return. Because then I I don't just do index fund, I invest in individual companies, I buy on the valid companies. Not something I recommend for everyone, but I analyze companies, income statement, balance sheets, and all that, uh, cash flow statements. Um, yeah, so I thought, well, I'm not going to want to pay off my mortgage at 2.09% when I was returning 35%. That's a totally different story for a credit card. I give you um I think of an example. So I have a business credit card here. It's an American Express Gold. Yeah, they're not paying for us to spawn, they're not sponsoring this podcast. But this is um about 102%. That's if I miss any payment on it, it's 102%. So that's quite punitive, but it's got a lot of rewards and benefits. So I treat my credit card the same way I treat my debit card. If the money is not in the account or it's not expected like within the time frame, I don't I don't spend on it. So I might spend 20 or 30k on it if I'm expecting that I'm going to pay it, pay it off. So, yes, the debt itself would depend on the type of debt. Like if it's credit card debt, 20, 30%. No, I want to pay it off first before I go to make an investment and I'll return 10 to 15%. Um, if it's a mortgage of 2%, 3%, 4%, 5%, I'll probably think, can I get a better return with the money elsewhere? Yep, I'll probably keep it. Just like I don't want to pay off my mortgage for my rental property in Cornwall or anything like that. So I think it boils down to the numbers and risk tolerance. Different people have different risk tolerance, risk appetite. I've got like um a doctor in Cornwall, so this is an eye surgeon, and um, she's not very comfortable that she's approaching her 50s, that she's got like a mortgage depth of maybe uh 200k and she wants to pay off half of it. She has the cash, she has learned how to invest, but she doesn't want to invest that money. She feels that if she pays down her mod gauge, she'll probably be able to sleep a little bit better and she can cut down on work without worrying. So that depends on her own specific situation. And then a final um example will be when I left my salary job four years ago. I didn't want any reason for me to wake up and think, oh God, I've got a car payment. So I went off and did car payment. I paid off any car payments left, and since then, any cars we're buying in the family was just going to be cash. And if we had a cash, we buy it. And sometimes you can do these things with capital allowance. If it's a car that helps to run your business, you can do capital allowance and then pay benefits in kind where required. Yeah, so that's how I look at it. There's no one size fits all, but you must pay attention to the numbers.
Dr JamesIt it's about being smart, right? And um I think that a lot of us out there, you master what you measure, right? And a lot of us out there are just living our lives where we're just like, oh, okay, well, lick my finger, put it in the air. This is roughly how much I want to make every month without actually paying attention to it. And I'm not talking about being austere, but what I am talking about is if you literally use these simple frameworks and just apply them over and over again, you're ahead of 99% of people because 99% of people don't do them. And those that do know about them don't execute on them. Um, basically.
Values, Lifestyle Creep And Profit First
Dr JamesUm, the one other thing I'd like to chuck in there as well, it and what I think dentists forget sometimes a lot, they get stuck in this little mouse trap. Okay, because dentists are a little bit different to doctors in that they're not usually employed, they're usually self employed, so they can actually push their income as well a lot more easily rather than ascending through the career ranks. And yeah, yes, of course, we should be tax efficient, yes, of course, we should we should be smart about all these things. But a lot of the time, if dentists earn more money, that actually helps with these things as well, because then they can have enough to live the lifestyle that they want without really compromising, plus having Enough to put into their um a savings and investment accounts. You know, so this is why dentists are even a little bit more unique still. Um and I I I wouldn't want people to get caught in the mousetrap of optimization, whereas it w which is important to do, obviously, but it's only one side of the coin, right? Optimization is hot what slice of the pie do you take home to yourself, whereas what blows out out of water is how out of the water is how big the pie is, right? That's the other factor. Something to think about. Something to think about.
Dr AndyI totally agree with that. Um, I think um the focus should not be that the money becomes like um again, that's why I don't like budgeting, right? I don't like the idea of I'm not a big I mean if you're in debt and you really need to come out of debt, it's like, yes, you need the budgeting, you need whatever I need to do. Um, but that's why I feel like rather than trying to optimize, you should um be free to you know enjoy in whatever area that you like to enjoy most, but also be ready to rootlessly cut out whatever you don't care about. I'll give you an example. Like you might want to travel. I I like to travel quite a bit, but I don't have to travel by first class, so I don't care about that. And then it might be like, oh, you like to go to different cultures, but you don't necessarily might like to stay in the nicest hotels, but you don't necessarily have to have like um some kind of concierge service. So it's about understanding what's really matters for you. And you might like to love cars, so you might spend more on cars, but you might not be interested in buying the biggest house in your area. So that's where the optimization thing is not just about oh, living a smaller life or squeezing things. And uh what I find out is that if people are able to automate 20% of their income, I mean someone might start by 10% and live on the rest of it, they somehow find out that their their lifestyle doesn't change very much because somehow things tend to work out, and what gets lost is the um what do they call it, um you know, like um, you know, like heat, insensible heat loss in physics, the same way people can lose money in an insensible way without realizing that. But if there's less of that money to be lost in that way, what is left tends to do much better work, if that makes sense.
Dr JamesBoom. Yeah, well well, there's there's another there's another book on that, um, and it's called Profit First Accounting. I don't suppose you've ever read it, but yeah. Say that again? It's called Profit First Accounting. Oh, okay. Okay, so it's basically the premise that if you want to lock in profit, what do most people do? They take turnover minus expenses equals profit, right? But the more turnover you make, the more likely you are to spend on other things. Whereas if you have a certain amount of turnover, you take your profit out first and then you spend what's left. Okay, that means you've got guaranteed profit every month because you're more likely to make the numbers work on that front. Um, so I quite like that book. It made me think about things the other way around, especially if you have a business when it comes to paying yourself a wage every month. Do you know what I mean? Just making sure that you pay yourself first before leaving the money in the business because, well, obviously, you know, the whole point is that you need to pay yourself as an owner. So yeah, that is one massively powerful lesson, especially in business, because I always noticed that the day I started paying myself more of a salary every month rather than just ad hoc here and there, the business just was just managed, you know, magically seemed to be able to accommodate that, you know. Um, so yeah, interesting motivation, interesting book.
Dr AndyI I totally agree to that. I mean, sometimes, you know, when you come from a medical, dental, clinical background, um, we tend to sacrifice and just make things work. But if you think about it, look, you're a highly skilled person, you're trained, and now you're providing value, pay yourself a fair wage, pay yourself a salary. This is no longer the first year or second year of business, you'll be on the third year and it's growing. Um, you find out if you pull out a profit from the business first, or pull out a salary, or pull out some, you know, the you know, a fixed income, um, somehow things tend to balance out. And worst case scenario, you can always lend back to the business if you need to. But then there's a higher level of um introspection, like what's going on here, why are we always having to lend back to the business from the treasury rather than just having the money inside the business? Somehow there's that insensible loss of capital and you have no idea where it's gone. It happens in people's personal finance as well. If you just don't have any clear intention or direction for your money, um, then you can't really know what happens at the end of the day. You can work years and end up with little or nothing.
Building Money Wise Doctor And Next Steps
Dr JamesAnd tell me, Andy, what does the future look like for you? What have you got on the horizon being financially free at the AHR? What happens now?
Dr AndyYeah, so this is part of it. Part of um what I struggled with is that um around um after I left my side job, had so much time on my hands, and you called your friends there at work. Nobody wants to go to the beach on Monday morning. So go for all these long walks in the woods in Cornwall and Devon. It was fun. Um, so I enjoy writing, I enjoy teaching. We've had more than 4,400 doctors go through our masterclass, which uh we we ran for a while. We run about two dozens of it, and then we are sort of like publishing more helpful tools, we're building some sort of like AI tool to help doctors in making smarter financial, you know, better financial education and literacy and all that. Um, yeah, so we're focusing and doubling down on that, and uh, it's been fun so far. It's not always fun. Some days you're thinking, oh, I'm gonna pull out my hair, oh, I haven't got any hair to pull out, you know, but but but most days is um like um you're behind the scenes, getting things work. I've got like a small team, super efficient as well. Um, yeah, but we're having fun with it. And I've been fortunate to have been on multiple conferences, get invited to speak on stages, and um seeing the transformation, the feedback from doctors to say, oh, I've got this problem, I had this problem with HMRC, then I came across this material, or I attended this workshop uh with Money Wise Doctor, and it helped me. I read something in your book, it helped me avoid the 60% tax trap. Um, it pays more than money, and uh it makes you feel like yeah, you're contributing in a small way.
Final Takeaways And Farewell
Dr JamesBoom. Well, Andy, listen, thank you so much for your time on the Dennis Invest Podcast today. Uh many pearls imparted, I think it's fair to say, and I just think it's really valuable for the audience too to see that there are people out there, not just in dentists, in dentistry, uh, but in the in you know, in healthcare in general, specifically uh medical doctors as yourself, and even just more broadly than that, just the general public who have achieved uh this promised land of financial freedom, uh, you know, being relatively young. And I think that just serves as more social proof to allow dentists listening to this show to get on with it really and to make progress, or maybe if they're already there, to revel in it and appreciate it that little bit more and appreciate what they've done right. So, yeah, no matter what point or angle you're coming at from this podcast, it serves as a guess inspo, it serves as a guess uh reaffirmation of all those things that we espouse on this podcast more widely and in general, and I'm sure that that is part of your message too, Andy. So I wanted to thank you on behalf of myself and behalf of the audience. Hope you have an absolutely smashing Monday, and we'll catch up really soon.
Dr AndyThank you so much, and thank you for having me, and uh thank you for calling me young. I'll I'll I'll tell my wife who one thought I was young today.
Dr JamesThat happened, and you've got the recording to prove it. There we go, Andy. Good stuff, good stuff, mate. All right, see you very soon in a bit.
Dr AndyAlright, cheers, bites.
Dr JamesSo, yeah.
