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You may not realise it, but through your training years you’re establishing habits and belief patterns about wealth and finance that will be deeply engrained by the time you’ve obtained your fellowship.

Beliefs like “I can take on more debt now because my future income will cover it” and “All my peers and seniors are driving luxury cars and live in beautiful, expensive homes – it must just be just what doctors do” can lead what we call Lifestyle Creep – which is a trap that has caught out many doctors from previous generations.

Modern doctors recognise that avoiding the trap where practicing medicine becomes a job to service debt and excess, rather than a passion that allows them to build an amazing life is critically important.