Investing For Doctors Podcast

Investing4Doctors
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Welcome to the Investing For Doctors podcast. Here we talk about personal finances, investing, wealth creation, accounting, and personal development that will aid you in your life journey as a doctor.Please note that the information provided in this podcast is for educational and entertainment purposes only. The content should not be considered as financial advice and your personal situations have not been taken into account. Before making any financial decisions, we strongly recommend consulting with the relevant professional(s).

  1. 6d ago

    What Social Media Got Wrong About Negative Gearing After The Budget | EP 83

    Join 30,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors ----- Munzurul Khan, Chairman of KHI Partners and our resident accountant, joins us again to go back over the May 2026 budget now that the dust has started to settle. We recorded this at the end of September 2026, so some of it will keep moving. We start with negative gearing. Munzurul explains the 12 May 2026 cut-off, what grandfathered means for properties you already own, and why negative gearing has been quarantined rather than abolished, with exceptions for new builds and commercial property. He also covers converting an owner-occupied home into an investment property, the unresolved edge cases around death and separation, and why losses now sit in one pool with your capital gains. Then we look back. Munzurul walks through what happened when negative gearing was taken away in 1985 and brought back around 1987, then turns to capital gains tax and the move from the 50% discount back to indexation on 1 July 2027. He does the maths on whether it's fair, why commercial property is getting more attention, and why he tells clients to get a valuation for 30 June 2027 and let their accountant run it both ways. If you own property, or you're thinking about buying or selling, and the headlines have left you confused, start here. ----- TIME STAMPS: 00:00 Intro/Hook 01:48 Season two: why we're revisiting the budget 02:56 Munzurul's first reaction to the budget 04:34 Politics, the numbers in both houses, and why the laws won't change easily 07:35 Negative gearing: before and after 12 May 2026 08:55 Grandfathering and quarantining, with exceptions for new builds and commercial 10:24 Converting an owner-occupied home to an investment property 11:05 Death, separation and the edge cases still unresolved 14:38 One pool: property, capital gains and losses 17:38 What negative gearing actually means (and what happened in New Zealand) 19:25 The 1985 attempt to take away negative gearing 23:47 Rents rising now 24:32 Capital gains tax: the move back to indexation 26:50 Valuing your property on 30 June 2027 28:02 Is it fair? Doing the maths on 50% vs indexation 29:43 Why commercial property is getting more attractive 31:58 CGT items still unresolved: small business and startups 32:39 What happens to your base cost if markets fall 33:43 Why you should still get the valuation 34:19 Conclusion/Outro ----- SHOW NOTES LINKS https://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-bi https://www.linkedin.com/in/munzurul-khan-7ba6a318 https://khipartners.com.au/ ----- 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 ----- 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.

  2. Oct 21

    What Doctors Should Actually Do About The New Trust And CGT Rules | EP 82

    Join 30,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors ----- Roger Wheelahan, principal at IFD Financial Planning, our in-house financial planning team, joins us to go through the May 2026 budget changes one by one. We recorded this in late September, while a lot of it is still in draft legislation, so think of it as a snapshot of where things stand right now and what we're telling clients to do about it. We start with the change doctors have called about the most, the new 30% tax on family trusts. Roger explains what the government is actually trying to stop, why the latest draft lets you fix a beneficiary once, and why that means bucket companies aren't dead after all. He also walks through how a bucket company really works, why no one can own a trust, and how he structures his own businesses. Then we get into capital gains tax and the move back to the indexation method. Roger breaks down why there will be two calculations, why so many properties will need a valuation on 1 July 2027, and what share price counts on the day. He shares how one IFD client hedged their trust and bucket company ahead of the changes, why share portfolios are looking more favourable than property right now, and why the first question is always who owns the asset. If you've got a family trust, a bucket company or an investment portfolio and you're not sure whether to act yet, start here. ----- TIME STAMPS: 00:00 Intro/Hook 00:59 May 2026 budget 01:29 Roger and IFD Financial Planning, one year in 02:08 Why we're time stamping this episode 02:48 Taxing unrealised gains, then the family trust shock 03:29 Why we told clients to stay calm for now 04:22 The three big changes: negative gearing, capital gains tax and family trusts 05:48 What the government is really trying to stop with trusts 09:25 A minimum 30% tax on investment earnings 09:58 Fixing a beneficiary, the latest draft 11:04 Why bucket companies aren't dead 13:30 Would you send everything to the bucket company? 14:58 Case study: how one client hedged their trust and bucket company 17:06 How a bucket company works, and why no one can own a trust 19:49 How Roger structures his own businesses 20:42 Capital gains tax and the move back to indexation 21:26 Valuations, the 50% discount and your base cost on 1 July 2027 22:38 What share price counts on the day 24:18 Property prices sliding and new builds down 20% 27:05 How clients are reacting to the CGT changes 27:57 SMSFs and investment bonds back in focus 28:37 Why share portfolios are looking more favourable 30:11 Who owns the asset comes first 31:26 Conclusion/Outro ----- SHOW NOTES LINKS https://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-bi Roger Wheelahan: https://www.linkedin.com/in/roger-wheelahan-8ba53149/ Smart Start Financial Services: https://smartstartfs.com.au/ ----- 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 ----- 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.

  3. Oct 12

    MORTGAGE BROKER: Your Bank Manager Doesn't Understand Your Doctor Income | EP 81

    Join 30,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors ----- Alissa Childs is back, and this time we're talking about what we've been building together at IFD Lending, our in-house mortgage broking business made for doctors. After 12 months of working with doctors from the group week in and week out, Alissa explains why medical lending is in its own category, and why so many branch lenders get it wrong. Doctors rarely have one simple payslip. A locum here, VMO work there, 0.8 in a hospital and ABN income turning over six figures a quarter, all sitting in one application. We get into how banks look at PAYG, ABN and VMO income differently, the medico lending teams that even some bank staff don't know about, how to borrow before your new income hits a tax return, and why short term ABN income is the hardest deal to get over the line. Then we get to the part that could save you thousands. Alissa walks through Beat Your Rates, where IFD Lending goes to your current bank and asks for a lower rate on your behalf, why every loan they write gets repriced every six months, the SMSF and commercial loans that quietly creep up in the background, and the client who spent 20 years paying 9% on $2.5 million before moving to 6% and saving $3,000 to $4,000 a month. If you haven't looked at your rate in a while, this is your reminder. Five basis points on a $2 million loan adds up fast. ----- TIME STAMPS: 00:00 Intro/Hook 01:35 Alissa is back, 12 months of IFD Lending 05:55 What makes doctors' finances so different 06:48 Medico lending and the bank teams most people don't know exist 07:37 Why going straight to the bank often goes wrong 08:29 PAYG vs ABN vs VMO, how banks view each type of income 09:13 Borrowing before your new income hits a tax return 09:56 Have lenders changed how they view doctors? 11:50 The hardest deals, short term ABN income and locums 14:03 Inside the first meeting, getting the whole picture 15:17 Why we try to reprice your existing loan first 17:51 Beat Your Rates, getting a lower rate without lifting a finger 18:20 Repricing every six months so your rate never falls out of market 19:05 Don't forget your SMSF and commercial loan rates 20:47 How to get your rate reviewed 21:43 Case study: the client paying 9% for 20 years 22:42 Rate rises and out of cycle increases 24:17 Why every basis point counts 25:01 Why each bank's appetite changes week to week 25:50 Conclusion/Outro ----- SHOW NOTES LINKS https://ifdgroup.com.au/ https://doctorbi.com.au/  https://au.linkedin.com/in/mian-bi Two Birds One Loan: https://www.twobirdsoneloan.com.au/ ----- 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 ----- 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.

  4. Oct 1

    Doctors Have An Unfair Advantage Most Investors Don't Pt. 2 with Grace Mathews | EP 80

    Join 30,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors ----- This is part two of our conversation with Grace Mathew, Managing Director of WeThink Group. If you haven't watched part one yet, start there, we cover what a family office actually is and why succession planning fails even at the billion dollar level. In this episode, we get practical. Grace breaks down how family offices are actually reacting to the recent tax changes, why concentrating your investments in what you genuinely understand can beat blind diversification, and why doctors have a real, unfair advantage when investing alongside their own profession. We get into real numbers from inside the family office deal flow, including a fund that returned 70% in a single year, and why Australia's legal definition of a sophisticated investor has almost nothing to do with actual sophistication. Most importantly, Grace shares her honest advice on how doctors and their families can start borrowing these exact strategies, no matter their net worth. That means having the money conversation before you think you need to, understanding why family disputes are one of the biggest decimators of generational wealth, and avoiding the one mistake almost every family makes when passing money down. ----- TIME STAMPS: 00:00 Intro/Hook 1:12 Back into it, how family offices are reacting to the tax changes 2:29 Why Australia is so over-allocated to property 3:53 How family offices use leverage on non-property assets 5:36 Why concentration in what you know can beat diversification 7:02 The doctor's unfair advantage, and why financial advisors are wired for loss aversion 10:31 Inside the deal flow, the fund that returned 70% in one year 12:44 Why owning your own home could legally make you a sophisticated investor 13:14 What family offices are investing in right now, AI, data centres and resources 14:10 Why Australian founders are moving overseas 17:02 Why family offices don't always chase the highest return 20:47 How doctors can actually get into this mindset, Grace's real advice 24:51 Family disputes, one of the biggest decimators of wealth 27:52 The biggest mistake heirs make with inherited money, and how to guard against it ----- SHOW NOTES LINKS https://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-bi WeThink Group: https://www.wethink.group/ Grace Mathew: https://au.linkedin.com/in/gracemathew- ----- 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 ----- 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.

  5. Sep 24

    Family Offices Aren't Just For Billionaires, Here's What They Actually Do Pt. 1 with Grace Mathews | EP 79

    Join 30,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors ----- In this episode of Investing for Doctors, Dr Bi sits down with Grace Mathew, Managing Director of WeThink Group, to unpack what family offices actually do differently and why succession planning fails even at the billion dollar level. Grace spent years running investment strategy inside a single family office linked to the family behind Coca Cola, before going independent to advise family offices, funds and ultra high net worth families around the world. We cover what a family office actually is, how it differs from simply having a lot of money, why less than a third of family offices managing over $1 billion have a proper succession plan, and why the biggest wealth transfer in human history is about to land on a generation that was never taught how to manage it. We also break down single versus multi family offices, what it actually costs to set one up or join one, and why family office structure is just as much about protecting wealth as it is about growing it. This is part one of a two part conversation. In part two, Grace and Dr Bi get practical, how doctors can start borrowing these exact strategies no matter their net worth. ----- TIME STAMPS: 00:00 Intro/Hook 1:31 Meet Grace Mathew, Managing Director of WeThink Group 2:00 Grace's origin story into the family office world 3:04 What a family office actually is 5:46 How she became Managing Director of a family office linked to the Coca Cola fortune 8:59 The real numbers, family offices manage over $1 billion yet most still fail to plan 10:36 The biggest wealth transfer in history is coming, and most heirs aren't ready 12:26 Single family offices vs multi-family offices 16:56 What it actually costs to set up or join one 19:23 What family offices actually invest in (hint, it's not ETFs) 20:26 Family office vs. high-net-worth individual, what's really different 23:49 Family office structure isn't just about growing wealth, it's about protecting it 24:38 Why family offices are now looking offshore ----- SHOW NOTES LINKS https://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-bi WeThink Group: https://www.wethink.group/ Grace Mathew: https://au.linkedin.com/in/gracemathew- ----- 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 ----- FIND US HEREWebsite: 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.

  6. Sep 24

    This Doctor Lost $350,000 in Borrowing Power Overnight (2026 Tax Changes Explained) | EP 78

    Join 29,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors ----- In this episode of Investing for Doctors, Dr. Bi sits down with Alissa Childs, principal at Two Birds One Loan and IFD Lending, to unpack what has actually changed in the lending and property landscape since the 2026 Federal Budget. After 20+ years in finance, Alissa says this is the most significant shift she's seen in the industry, and the numbers back her up: one doctor's approved purchase price dropped from $1.2 million to $850,000 once negative gearing was stripped out of the servicing calculators. We break down the real difference between negative gearing before and after the Budget, why established properties are now treated completely differently to new builds, and what's happened to borrowing capacity for anyone buying today. We also cover the surprise ban on SMSFs purchasing residential property, why trust and company structures remain the one area still largely untouched, and what's actually happening in the market right now, from auctions with zero bidders to banks quietly repricing loans to hold onto clients. This episode is a clear, numbers-driven analysis of what has changed, who it hits hardest, and what doctors should be doing about it right now. ----- TIME STAMPS: 00:00 Intro/Hook 00:46 Guest Intro: Alissa, Two Birds One Loan & IFD Lending 02:07 Before vs After the Budget: What's Actually Changed 04:06 What Negative Gearing Actually Means 07:34 Established Properties vs New Builds 08:59 How Banks Have Rewritten Their Servicing Calculators 09:44 Case Study: A Doctor's Borrowing Power Drops $350K 12:14 How Loan Structures Are Changing 13:19 Trusts and Company Structures: Still the Same Gameplay? 14:24 Market Impact: Softening Prices and Stalled Auctions 18:26 The Surprise SMSF Property Ban 20:34 Recap: What's Dead vs What's Still Standing 23:25 Interest Rates, Bank Retrenchments & the HSBC-Pepper Deal 25:09 Refinancing and Repricing Your Existing Loan 27:08 Conclusion/Outro ----- SHOW NOTES LINKS https://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-bi Two Birds One Loan: https://www.twobirdsoneloan.com.au/ ----- 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 ----- 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.

  7. Sep 10

    A Once-in-a-Generation Tax Reset Is Coming for Australian Investors | EP 77

    Join 29,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors  ----- Investing for Doctors is back for season two, and we're starting off by jumping straight into the 12 May 2026 Federal Budget, which rewrote the rules on capital gains tax, negative gearing and trust structures. In this solo episode, Dr. Bi breaks down exactly what's now law as of 1 September 2026, and what's still just proposed. The headline changes: the 50% CGT discount is gone from 1 July 2027, replaced with CPI indexation and a new 30% minimum tax, which means every long term asset needs a valuation before that date. Negative gearing on established property is being quarantined to rental income only, new builds are exempt, and SMSFs are now banned from borrowing to buy residential property. Still to come: a proposed 30% minimum tax on discretionary trusts and a three year restructuring window. Dr. Bi closes with his read on inflation, interest rates, and why the smart move is to rethink your structure, not stop investing.  If you hold property, run a trust, or invest through an SMSF, this one's for you. ----- TIME STAMPS: 00:00 Intro/Hook 04:22 CGT Discount Abolished and the New 30% Minimum Tax 09:18 Negative Gearing on Established Property Quarantined 14:41 SMSF Property Loans Banned and Small Business CGT Concessions 19:59 Proposed 30% Minimum Tax on Discretionary Trusts 25:02 Innovation Business CGT Concessions and Restructuring Advice 29:37 Macroeconomic Outlook, Will This Get Reversed? 33:16 Outro ----- SHOW NOTES LINKS https://ifdgroup.com.au/  https://doctorbi.com.au/  https://au.linkedin.com/in/mian-bi ----- 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  ----- 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.

  8. Jun 4

    How Two Doctors Built a 32 Company Health Tech Portfolio | EP 76

    Join 29,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors  ----- What does it take to build a health tech investment portfolio with zero failures across 32 companies? In this episode, we sit down with Dr Amandeep Hansra and Dr Bi Mian, the two clinicians behind Medical Angels, Australia's largest clinician syndicate, now transitioning into a formal $40 million fund. We hear how it all started from a Facebook group, why traditional VCs have historically struggled to invest in health tech, and what clinician-led investing actually looks like in practice. We also unpack how doctors can get involved as LPs, what the ESVCLP tax structure means for them, and why the founders believe that being on the clinical frontline is their single greatest investment edge. If you're a doctor who's ever wondered what it looks like to back the future of healthcare, rather than just work inside it,  this conversation is for you. ----- TIME STAMPS: 00:00  Intro 01:03  Who Are Dr Amandeep and Dr Bi? 02:42  How They Met: A Cold DM and a Coffee 04:01  The Gap They Spotted in Health Tech Investing 06:22  The Facebook Group That Started It All 07:24  Balancing Medicine and Running a Fund 10:19  Why Clinician-Led Investing Beats a Generalist VC 13:06  How Their Clinician Network Powers Due Diligence 15:22  Move Fast AND Be Safe: The Health Tech Challenge 17:25  How They Evaluate Startups: Painkillers vs Vitamins  47:24 Formalising Into a $40M Fund: What That Means 48:30  The ESVCLP Tax Benefits Explained 53:17 What Does Success Look Like for Australian Healthcare? 57:16  Why They Do This: Impact at Scale 01:01:18 Final Message to Doctors Considering the Fund ----- SHOW NOTES LINKS https://ifdgroup.com.au/  https://doctorbi.com.au/  https://au.linkedin.com/in/mian-bi -----   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  -----   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.

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Welcome to the Investing For Doctors podcast. Here we talk about personal finances, investing, wealth creation, accounting, and personal development that will aid you in your life journey as a doctor.Please note that the information provided in this podcast is for educational and entertainment purposes only. The content should not be considered as financial advice and your personal situations have not been taken into account. Before making any financial decisions, we strongly recommend consulting with the relevant professional(s).

Information

  • Creator
    Investing4Doctors
  • Years Active
    2024 - 2026
  • Episodes
    84
  • Rating
    Clean
  • Copyright
    © 2026 Lifecycle Projects Pty Limited
  • Show Website
    Investing For Doctors Podcast

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