Join 29,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

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In this episode of Investing for Doctors, we are joined by Rich Harvey, CEO and Founder of PROPERTYBUYER, to challenge the idea that property is simply about owning a home. We unpack why property remains a powerful long-term wealth creation tool for doctors, particularly as a hedge against inflation, and why many high-income professionals stall after one or two purchases due to fear, mindset, and analysis paralysis rather than lack of opportunity.

Rich explains how doctors can use leverage safely, choose the right type of property at different life stages, and avoid common traps such as over-supplied areas or poor structures. We also explore how to keep building when personal borrowing capacity runs out, using strategies across personal ownership, trusts, and self-managed super funds. This episode is a practical guide for doctors who know they have capacity but want a clearer, more confident path forward.

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TIME STAMPS:

00:00 Intro/Hook

01:23 Debate on Stocks vs. Property

03:00 Using Property as an Investment Tool

04:01 Doctors' Risk Aversion and Leverage

07:30 Strategies for Overcoming Analysis Paralysis

09:26 The Power of Property for Medical Professionals

13:54 Choosing the Right Property

45:59 Pitfalls to Avoid in Property Investment

44:15 The Role of a Buyer's Agent

47:18 Future Predictions and Market Trends

48:13 Predictions on Property Prices

50:00 Conclusion/Outro

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SHOW NOTES LINKS

https://ifdgroup.com.au/

https://doctorbi.com.au/

https://au.linkedin.com/in/mian-bi

https://www.propertybuyer.com.au/

https://www.linkedin.com/in/sydney-buyers-agent

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LISTEN TO THE PODCAST

Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN

Apple Podcasts: https://podcasts.apple.com/au/podcast/investing-for-doctors-podcast/id1775535608

Amazon Music: https://music.amazon.com/podcasts/b9de46bc-e29d-4402-9e9e-959a3a5dc8da/investing-for-doctors-podcast

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FIND US HERE

Website: https://ifdgroup.com.au/

Facebook Group: https://www.facebook.com/groups/investingfordoctors

Facebook Page: https://www.facebook.com/investingfordoctors

-----

DISCLAIMER

The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.

Join 29,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

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In this episode, mortgage expert Alissa Childs joins us to unpack the real pathways young doctors can use to get onto the property ladder sooner. Many early career doctors feel priced out or overwhelmed by lending rules, not realising they may be eligible for tens of thousands of dollars in incentives, LMI waivers and tax saving strategies that can fast track their first purchase. Alissa shares practical examples from the front lines, including how one client saved $40,000 simply through a scheme change that most buyers never hear about until it is too late.

We break down the major options available to first time buyers, including the 5 percent deposit scheme, doctor specific LMI waivers, parental guarantees, and the First Home Super Saver strategy. Alissa clarifies how each works, the traps to avoid, and why forward planning matters, particularly for interns and registrars who want to buy earlier without needing a huge cash deposit. We also explore the lesser known differences between federal incentives and state based stamp duty or grant rules, and how choosing the right structure can affect borrowing capacity, growth potential and long term portfolio planning.

Whether you want to buy your first home to live in, start with an investment, or simply understand how to position yourself over the next twelve to twenty four months, this episode offers clear, evidence based guidance to help doctors make confident decisions. It is a practical roadmap for anyone who wants to move from feeling stuck to knowing exactly what steps will put them in the best position to buy.

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TIME STAMPS:

00:00 Intro/Hook

01:53 Alissa's Background

03:05 First Home Owners Gruarantee to 5% Deposite Scheme

03:51 Lenders Mortgage Insurance

06:04 Details of the 5% Deposit Scheme and LMI Waivers

13:50 Stamp Duty Concessions and First Home Owner Grants

18:26 First Home Super Saver Scheme (FHSS)

26:06 Parental Guarantees and Investment Strategies

36:53 Scenario Planning for New Doctors

40:04 Conclusion/Outro

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SHOW NOTES LINKS

https://ifdgroup.com.au/

https://doctorbi.com.au/

https://au.linkedin.com/in/mian-bi

https://www.twobirdsoneloan.com.au/

https://web.facebook.com/twobirdsoneloan

https://www.linkedin.com/in/alissa-childs-8816777a/

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LISTEN TO THE PODCAST

Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN

Apple Podcasts: https://podcasts.apple.com/au/podcast/investing-for-doctors-podcast/id1775535608

Amazon Music: https://music.amazon.com/podcasts/b9de46bc-e29d-4402-9e9e-959a3a5dc8da/investing-for-doctors-podcast

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Join 29,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

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In this follow up episode, fertility specialist Dr Becky Taylor returns to shift the spotlight onto male fertility, an often overlooked part of the conception conversation. While fertility planning is frequently framed as a women’s issue, Dr Taylor explains why male age, genetics and lifestyle play a critical role in embryo health, miscarriage risk and long term child outcomes, particularly for doctors who delay family planning due to training and career demands.

We unpack what actually affects sperm quality, from DNA fragmentation and genetic conditions to factors like smoking, BMI, sedentary work and heat exposure. Dr Taylor explains why semen analysis and early testing matter, how lifestyle changes can meaningfully improve outcomes, and why waiting until problems arise can limit available options for couples. We also explore why both partners should be assessed early, rather than assuming fertility challenges sit on one side alone.

Whether you are planning to have children soon, considering fertility preservation, or want clarity earlier rather than later, this episode offers practical, evidence based insights to support informed decision making. It continues our broader focus on investing not just financially, but in long term life planning, helping doctors align career goals with the realities of fertility and family.

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TIME STAMPS:

00:00 Intro/Hook

01:28 Becky's Background

02:35 Male Infertility and Age Factors

08:00 Miscarriage Problems Due to Male problems

10:28 Other Male Infertility problems

11:56 Biopsy and aspiration

16:51 Impact of male lifestyle in having a baby

20:23 Advise for female and male doctors in planning to have a pregnancy

27:26 Fertility Preservation and Embryo Creation

29:54 Companies supporting Egg Freezing

35:02 Challenges and Considerations in Fertility Preservation

38:23 Legislation and Donor Work for Same-Sex Couples

42:26 Conclusion/Outro

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SHOW NOTES LINKS

https://ifdgroup.com.au/

https://doctorbi.com.au/

https://au.linkedin.com/in/mian-bi

drbeckytaylor.com.au

instagram.com/dr.beckytaylor

facebook.com/drrebecca.beckytaylor

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LISTEN TO THE PODCAST

Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN

Apple Podcasts: https://podcasts.apple.com/au/podcast/investing-for-doctors-podcast/id1775535608

-----

FIND US HERE

Website: https://ifdgroup.com.au/

Facebook Group: https://www.facebook.com/groups/investingfordoctors

Facebook Page: https://www.facebook.com/investingfordoctors

-----

DISCLAIMER

The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.