Investing For Doctors Podcast

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 welcome back Rich Harvey, CEO and Founder of PROPERTYBUYER to take the conversation beyond buy and hold and into the value-add strategies most doctors never hear about. Building on our previous discussion around leverage and portfolio structure, we unpack why many high-income professionals stop too early with property, not because of risk tolerance or lack of opportunity, but because they are unclear on what is realistically possible without becoming a full-time developer.
Rich walks through practical, lower-risk ways doctors can manufacture equity and accelerate passive income, including cosmetic renovations, granny flats, knock-down rebuilds, and passive development strategies. We also explore realistic return benchmarks, risks to avoid, hidden tax considerations, and how doctors can scale safely when time is limited and managing tradies or approvals is not an option. This episode is designed for doctors who already own property and want a clearer framework for what comes next, without chasing hype or overcomplicating their strategy.

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TIME STAMPS:

00:00 Intro/Hook
01:31 Rich Introduction
02:43 Advise for people doing value-adding or development activities
03:43 Why do value adding?
05:26 Process of Renovations
10:21 Managing Renovations
11:21 Cosmetic Renovations and Risk Management
14:49 Granny Flats and Structural Renovations
20:03 Knockdown and Rebuild Strategies
30:36 Passive Development and Joint Ventures
34:11 Rooming Houses and High-Yield Investments
36:59 Legislative Challenges and Opportunities
37:43 Syndicated Investment and Group Participation
46:23 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 

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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 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 

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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, fertility specialist Dr Becky Taylor from Genea, one of Australia’s largest IVF and fertility services providers, joins us to unpack the truth about egg freezing in 2026, and why more doctors are facing fertility decisions later than expected. Behind long hours, extended training pathways and delayed life milestones, many medical professionals are unknowingly trading time for certainty when it comes to family planning.
Dr Taylor shares what she is seeing on the front lines of fertility care, including the growing use of ovarian reserve testing, egg freezing and fertility preservation. We explore how age remains the biggest factor affecting egg quality, why freezing eggs later in life often delivers disappointing outcomes, and how conditions like endometriosis can quietly reduce fertility well before symptoms become obvious.
Whether you are early in your medical career or further along your training journey, this episode offers clear, evidence-based insights to help you plan ahead. It forms part of our broader focus on investing not just in finances, but in long-term life planning, bringing honest conversations and expert perspectives to decisions that shape both career and family.

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TIME STAMPS:
00:00 Hook/Intro
01:19 Introduction and Background of Dr. Becky Taylor
03:29 Trends in Fertility and Fertility Preservation
07:07 Ovarian Reserve Assessment and Fertility Preservation Advice
11:50 Impact of younger eggs in ovarian reserves
16:35 Impact of Endometriosis and Polycystic Ovary Syndrome on Fertility
32:59 IVF Process and Egg Freezing
46:28 Challenges and Considerations in Fertility Preservation
48:34 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 
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.