🩺 Junior Doctor Wealth: Practical Finance Tips for UK Doctors

Hi,

When I started working as a junior doctor, I assumed the money would eventually make life easier.

But once the payslip landed, it looked like this:
💸 A big chunk gone to tax, pension, and loan repayments
💸 GMC, BMA, and indemnity fees stacked on top
💸 Rent, council tax, and groceries eating the rest

And by the third week of the month?
I was wondering: How am I earning this much… and still broke?

Turns out, I wasn’t the only one.
Doctors rarely talk about money, but the signs are everywhere:

• Locum shifts picked up out of necessity, not choice

• Delayed holidays (again)

• Payslip confusion whispered in mess rooms

• Quiet stress about pensions, mortgages, and tax codes

We’re taught to care for others—not to care for our money.
And that’s exactly why I started writing Beyond the Stethoscope.

This book isn’t about becoming rich overnight.
It’s about:

✅ Understanding your NHS payslip
✅ Avoiding the 10 financial traps that keep doctors stuck
✅ Claiming tax relief, building wealth, and avoiding burnout-driven spending
✅ And most importantly—creating options in your career and life

Writing this book has been incredibly rewarding.
I’ve learned as much while creating it as I hope you will from reading it.
I genuinely hope it helps you feel less lost—and more financially confident.

📘 Beyond the Stethoscope: Smart Finance for Junior Doctors
🗓️ Coming later in 2025

👉 Want early access + bonus tools?
Join the list here:
🔗 https://juniordoctorwealth.beehiiv.com/subscribe

Thanks for being part of this journey,
— Kyaw
Author | GP | Finance Nerd

P.S.
Know another doctor who might find this helpful?
Forward them this email or send them to:
🌐 www.juniordoctorwealth.co.uk

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