Dentists Who Invest Podcast

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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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London can feel like noise until you realise it’s also a massive amplifier. We sit down in the new studio, swap interviewer and interviewee roles, and unpack what genuinely changed once we prioritised real-world conversations over staying entirely online. If you’re a UK dentist trying to build confidence, grow a business, or simply make smarter decisions with money, the thread running through everything is simple: proximity to the right people speeds up learning, clarity, and opportunity. 

We get practical about the internal stuff that holds most of us back. Fear is not a character flaw, it’s often an outdated survival response, and it shows up hardest when you want to be visible: networking, public speaking, posting content, or walking into a room where you don’t know anyone. We talk through how to reframe those feelings, how reps build competence, and why making “learning” the win helps you escape analysis paralysis and actually move. 

From there we zoom out to what Dentists Who Invest has become: a community plus education that includes verifiable CPD through the Smart Money Members Club, with a focus on dental finance, tax efficiency, investing, and building a healthier relationship with income and time. We also share why Business of Dentistry exists, what’s different about our events, and why The Entrepreneur’s Den aims to bring ethical profitability and dental innovation into the same room. If this sparks something, subscribe, share it with a colleague, and leave us a review so more dentists can find it.
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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.
Send us Fan Mail

Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout.
Shop now at https://www.wearfigs.com/
———————————————————————
UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
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Buy-to-let used to feel like the obvious property investment route for UK dentists, but 2026 is a different game. With interest rates biting, Section 24 still hurting personally owned portfolios, and renters’ rights reform changing how landlords manage tenancies, it’s easy to end up “investing” while quietly subsidising your tenant each month. We wanted a straight answer to a simple question: how do you make the flipping numbers work now, not ten years ago? 

I’m joined by property expert and fellow dentist Dr Harry Singh, and we get into the unglamorous truth first: cash flow is what keeps you in property long term, while capital appreciation is a bonus. Harry explains why the standard single-let model can be close to dead for many landlords once you add tax, finance costs and friction, then walks us through a strategy he believes is creating genuine margin today: leasing property to social care providers for supported living style accommodation, where the demand is structural and the budgets can be surprisingly large. We unpack how the contracts tend to work, why lenders care about break clauses, and what “no voids and maintenance handled” really means in practice. 

We also cover the practical route to getting started: finding the right providers first, using council and government contract sources, and doing proper due diligence through Companies House and CQC ratings so you don’t get seduced by a headline rent. If buying feels out of reach, Harry shares a rent-to-rent approach that focuses on control and cash flow rather than ownership, plus where these opportunities tend to cluster geographically and why timing matters.
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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.
Send us Fan Mail

Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout.
Shop now at https://www.wearfigs.com/
———————————————————————
UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
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The “go limited” advice gets thrown around dentistry like it’s a universal truth, but the real answer depends on one brutal question: do you need to take all the money out, or can you leave some inside the company with a plan? We sit down with chartered accountant Matthew Norton, who specialises in accounting for dentists across the UK, to unpack limited company vs sole trader decisions in plain English and with the numbers that actually drive the outcome.

We cover the foundations first: liability differences, the shifting admin reality as Making Tax Digital expands, and how corporation tax and dividend tax interact. From there, we get specific about dentist pain points, including the £100,000 threshold where personal allowance tapering and childcare changes can bite, and why a salary-only approach inside a company is rarely as clean as it sounds once employer’s National Insurance is considered.

For practice owners and mixed-income dentists, we go deeper into dental practice incorporation: selling goodwill into a new company, when capital gains tax might be worth paying, and how a director’s loan account can let you draw value back without dividend tax. We also talk NHS realities, from contract approval quirks to the NHS pension limitation for associates, plus how property ownership and future acquisitions can influence the structure you choose.
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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.
Send us Fan Mail

Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout.
Shop now at https://www.wearfigs.com/
———————————————————————
UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club
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If you could earn another £100k this year, would your mindset actually let you keep it or would you spend your way back to where you started? That is the uncomfortable question at the heart of our chat with returning guest Tom Fortes-Mayer, a coach and former therapist who works with entrepreneurs and dentists on success psychology, beliefs, and what it takes to genuinely enjoy the life you are building.

We dig into “living in alignment with wealth”: acting like the person who can hold money, responsibility, and opportunity without becoming tense, needy, or transactional. We unpack how a scarcity mindset leaks out in rooms full of successful people, why it quietly repels collaborations, and how inner security matters more than the number in your bank account. Tom shares a memorable way to think about it: being “waterproof” under pressure, so your nervous system stays steady and your decisions stay clean.

From there we get practical. We talk integrity and generosity as wealth behaviours you can practise now, how abundance is about flow and circulation, and why giving value through content (without expecting instant return) is a real-world abundance strategy. Tom also lays out tools he used in therapy: increasing inner peace, clearing fear and old resentment, and building a step-by-step plan to stretch your comfort zone so you stop being controlled by fear. We even touch on deal-making mindset and examples like Undercover Billionaire as proof of what’s possible when you think bigger.
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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.
Send us Fan Mail

Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout.
Shop now at https://www.wearfigs.com/
———————————————————————
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.
Send us Fan Mail