
Medics Money podcast
The Medics’ Money podcast helps doctors, dentists and other professionals make better financial decisions. Hosted By Dr Tommy Perkins and Dr Ed Cantelo, who is not only a doctor but also a Chartered Accountant and Tax adviser.
Latest episodes

Jul 1, 2025 • 40min
Ep 278: Reimagining Patient Consultations with AI: The Heidi Experience
In this episode of the Medics' Money podcast, Dr. Tommy Perkins talks with Dr. Hannah Allen, the Chief Medical Officer for Heidi, about her journey from clinical practice to health tech. Dr. Allen shares her experiences with using AI in healthcare, particularly the Heidi platform, which assists doctors by automating consultation notes and referral letters, thus saving time and improving efficiency. She discusses the benefits and challenges of integrating AI in medical practice, including accuracy and data privacy concerns. The conversation also explores the future of AI in healthcare and offers practical advice for clinicians looking to transition into health tech roles. Listeners are encouraged to try Heidi for free and provide feedback to improve the platform.
00:00 Introduction to Dr. Hannah Allen's Journey
01:26 Welcome to the Medics Money Podcast
01:48 From Doctor to Chief Medical Officer
02:09 Early Career and Initial Challenges
03:44 Venturing into Health Tech
05:19 Founding Tinto: A Digital Health Startup
08:12 Joining Heidi and Initial Impressions
10:13 The Impact of AI Scribes in Healthcare
11:43 How Heidi Enhances Medical Practice
17:43 Addressing Common Concerns About AI in Healthcare
27:38 Future of AI in Healthcare
34:03 Advice for Aspiring Health Tech Professionals
39:16 Conclusion and Final Thoughts

Jun 24, 2025 • 33min
Ep 277: Streamlining Healthcare: Lexacom's Impact on Modern Medical Practices
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In this episode of the Medics' Money Podcast, Tommy welcomes Dr. Andrew Whiteley, the founder of Lexacom, a widely-used health tech product. They discuss the origins of Lexacom, the challenges faced during its development, and the innovative features of its new version. Dr. Whiteley demonstrates Lexacom's capabilities, including streamlined email dictation, patient visit documentation via mobile, and AI-driven workflow enhancements. Ideal for GPs and hospital doctors, Lexacom aims to save time on administrative tasks and improve patient care. Watch the live demo to see Lexacom in action and learn how to integrate it into your practice.
00:00 Introduction and Guest Welcome
00:43 The Origin Story of Lexacom
03:55 Challenges and Growth of Lexacom
09:36 Innovations and New Features of Lexacom
11:58 Live Demonstration of Lexacom's Capabilities
27:07 Data Security and Privacy Measures
30:08 Conclusion and Final Thoughts
DISCLAIMER: This channel is for education purposes only and does not constitute financial advice and tax allowances and rates are subject to change.

Jun 17, 2025 • 1h 1min
Ep 276: Living above a takeaway to $15million founder
In this episode of the Medics' Money podcast, Dr. Shun Pang, co-founder of Anima Health, shares his inspirational journey from a 7-year-old immigrant from China to founding Europe's fastest-growing health tech company. He discusses his experiences in medicine, the challenges he faced, and what prompted him to transition into the tech industry. Dr. Pang elaborates on the potential impact of AI in healthcare over the next 10-15 years and highlights the importance of resilience, first-principles thinking, and a growth mindset for success. This conversation also provides valuable insights for doctors interested in transitioning to health tech.
00:00 Introduction: The Journey Begins
00:07 Founding Anima: The Seed of Conviction
00:30 Anima's Rapid Growth and Recognition
01:17 Shun Pang's Early Life and Challenges
01:54 Educational Path: From Grammar School to Cambridge
06:45 The Struggles and Failures Along the Way
09:57 The Birth of Anima: A Turning Point
15:03 Overcoming Obstacles: The Road to Success
25:36 Reflections on Resilience and Being an Underdog
28:02 The Role of Childhood Trauma in High Performance
29:07 Frameworks for Tackling Massive Challenges
29:34 First Principles Decomposition Explained
33:45 The Future of AI in Healthcare
45:51 Transitioning from Medicine to Health Tech
56:57 Advice for Aspiring Health Tech Innovators

Jun 17, 2025 • 11min
Ep 275: How FU Money = Financial Independence??
Explore the journey from debt to financial independence through the lens of FU money. Discover how having enough savings can offer freedom from your main job, using personal anecdotes like a surfing trip to Hawaii as motivation. Learn essential financial skills such as optimizing taxes and controlling spending. The discussion provides practical steps for anyone eager to attain financial stability and achieve seemingly impossible goals.

8 snips
Jun 10, 2025 • 37min
Ep 274: Are you burning out?
Rachel Morris, a former GP and host of the You Are Not A Frog podcast, shares her expertise on resilience and well-being. She addresses the alarming rates of burnout in healthcare, emphasizing its complex nature and the need for personalized strategies. The discussion highlights the importance of setting boundaries, managing workloads effectively, and recognizing personality traits that contribute to burnout. Morris also advocates for a cultural shift in the medical profession towards prioritizing self-care and emotional health.

Jun 3, 2025 • 44min
MDT: Active underperforms passive investing AGAIN, unemployed doctors and pay restoration FAIL
Navigating Resident Doctor Pay Cuts, Investing Insights, and Financial Strategies
In this episode of the Medics' Money MDT Podcast, hosts discuss various pressing issues affecting the medical community. Dr. Cyra Mackintosh, who recently secured a training job, and Mr. Andy Pow, a senior medical accountant, join to explore the significant challenges of unemployment facing many doctors. They break down the complications around the resident doctor pay offer and the psychological contract between doctors and the NHS. The team also underscores the pitfalls of active versus passive investing, spotlighting the Spiva Scorecard, which shows that passive investments historically outperform active funds. Lastly, they touch on the importance of financial habits, like taking advantage of cashback offers, in reinforcing long-term financial health.
00:00 Introduction and Guest Introductions
01:41 Discussing the Stock Market Crash
03:56 Investment Strategies and Media Influence
12:40 Resident Doctor Pay Offer and Job Security
23:54 Real Pay Trends in the Private Sector
25:25 Addressing Workforce Issues in Government
25:59 Educational Assistants and Pay Disparities
29:13 The SPIVA Scorecard: Active vs. Passive Investing
33:39 The Importance of Financial Confidence
40:08 Cashback Tips and Financial Savviness

May 27, 2025 • 48min
Ep 273: How to protect your most valuable asset...
Is your financial safety net complete? Join this webinar on June 3rd at 7pm with expert speaker Mike Harms. Register here.
Navigating Financial Protection in the Face of Adversity: A Personal Journey
In this episode, Tommy shares his personal ordeal of a severe hand injury that temporarily sidelined his medical career. Through this deeply personal narrative, he stresses the importance of financial planning, specifically how his carefully tailored protection plans, including sick pay, income protection, emergency funds, and life insurance, provided a crucial safety net. Tommy also highlights the importance of reviewing partnership agreements and the role of wills and power of attorney in ensuring financial security. Expert financial advisor Mike Harms joins to provide comprehensive insights into these financial strategies. This episode underscores the significant peace of mind that effective financial planning can offer, even in the face of unexpected life-altering events.
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Disclaimer:
The information provided in this content is for educational and informational purposes only and does not constitute financial advice. You should not rely on this content as a substitute for professional advice tailored to your specific financial situation. The value of your investments can go down as well as up. Past performance is not indicative of future results.

May 20, 2025 • 25min
Ep 272: Moving to Dubai as a doctor - what's it really like?
The Allure of Dubai's Real Estate Market with Dr. Malek
In this episode of the Medics Money podcast, Cyra speaks with Dr. Jasmin Malek, a GP and seasoned real estate investor based in Dubai. Dr. Malek provides insights into her journey of investing in Dubai's property market, emphasizing the benefits of off-plan investments and the rapid returns facilitated by the city's continuous development. She discusses the security measures in place, including escrow accounts to safeguard investments. Additionally, Dr. Malek offers guidance for those interested in starting their property investment journey in Dubai and highlights the potential for obtaining residency visas through property investments. Listeners are encouraged to reach out via Instagram for personalised advice.
00:00 Welcome to Medics' Money Podcast
00:29 Meet Dr. Jasmin Malek: GP and Real Estate Investor
01:04 The Allure of Dubai's Real Estate Market
02:14 The Process of Off-Plan Investing
03:55 The Financial Benefits of Investing in Dubai
06:12 Ensuring Investment Security in Dubai
07:42 Getting Started with Property Investment in Dubai
08:43 Connect with Dr. Jasmin Malek
09:13 Conclusion and Farewell

May 13, 2025 • 21min
Ep 271: 5 financial tips from an International GP - is the NHS pension worth it? and investing as an IMG.
Transform your finances in just EIGHT weeks! https://www.medicsmoney.co.uk/medics-money-financial-wellbeing-course/
Financial Well-being Tips for International Medical Graduates: Insights from Dr. Agne Meškauskienė In this episode of the MedicsMoney podcast, Dr. Agne Meškauskienėshares insights from her financial journey, enhanced by the Medics Money financial wellbeing course. Topics discussed include challenges and comparisons of working as a doctor in the UK vs Lithuania, understanding and valuing the NHS pension, essential budgeting techniques, and tips for managing debt and income protection. Dr. Agne also discusses her personal experiences with investing and the importance of financial planning for future flexibility and security. The podcast aims to help medical professionals better understand their finances and plan for a secure future.
00:00 Introduction and Overview
00:11 Challenges of International Medical Graduates
00:25 Understanding the NHS Pension
00:38 Budgeting and Financial Management
00:56 Course Information and Application
02:04 Guest Introduction: Dr. Agne Meškauskienė
02:19 Journey to the UK and Professional Differences
05:24 Financial Beginnings and NHS Pension Insights
08:50 MedicsMoney Course Experience
10:06 Investment Strategies and Behaviors
16:11 Future Financial and Career Plans
19:43 Conclusion and Final Thoughts

May 9, 2025 • 54min
MDT: Should doctors strike again? Doctor claims £109,120 in pension tax compensation, and millions in GP funding missing!
Resident Doctors, GP Funding, and Tax Trivia: Medics Money Podcast Episode In this Multidisciplinary Team (MDT) Medics' Money podcast episode, resident doctors voice frustrations regarding pay and working conditions, leading to discussions of potential industrial action. Dr. Cyra Mackintosh shares her personal experience with stressful specialty applications and her upcoming move for a histopathology training post. The episode also features contributions from specialist medical accountant Andy Pow and Dr. Ed Cantelo, who highlight major issues in GP funding, discrepancies in government financial support, and unravel the recent news surrounding VAT on Premium Bonds and trade agreements.
An entertaining segment dives into VAT trivia, emphasising premium bond efficacy and the implications of NAO and McCloud pension judgments on doctors' finances.
00:00 Introduction and Frustrations with the Government
01:08 Welcome to the Medics Money Podcast
01:32 Dr. Cyra Mackintosh's Exciting News
04:51 Discussion on Resident Doctors' Strike
15:43 Tax Trivia: VAT on Food and Medical Procedures
25:47 Pensions and McCloud Judgment Updates
27:59 Tax Refund Adjustments and Annual Allowance Charges
28:44 The Impact of Annual Allowance Tax on Doctors
30:03 Self-Identification for Annual Allowance Tax Refunds
31:11 Medics Money: Connecting Doctors to Specialist Advisors
32:57 UK-India Trade Agreement and National Insurance Exemptions
37:22 GP Funding and Contract Issues
46:07 Premium Bonds: Not an Investment
49:26 AISMA Conference and Final Thoughts