Join 28,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors 

-----

In this episode, we’re once again joined by Chris Joye, Chief Investment Officer at Coolabah Capital, one of Australia’s most respected bond investors managing over $15 billion in fixed income assets.

Chris returns to explain why most doctors are still earning less than 4% on their savings while the big banks earn 6–8% using the same money, and how professionals can flip the equation by accessing smarter, safer bond strategies.

We break down what’s changed in the bond market, how to use bond ETFs and direct bond exposure to generate 5–7% returns, and why bonds can be a powerful alternative to term deposits, equities, and even property, especially for investors sitting on cash.

You’ll also learn how US Treasury yields shape global interest rates, what falling RBA rates mean for property prices, and why 2025 might be the perfect time to rethink how you put your capital to work.

If you're holding cash for a home deposit, investment, or future opportunity this episode could save you from missing out on tens of thousands in passive income.

TIME STAMPS:

00:00 Hook/Intro

01:36 Guest's Background and Introduction

02:45 Explanation of US Treasury Bonds and Their Impact

08:22 Comparison of US and Australian Home Loans

11:56 Impact of US Government Debt and Budget Deficits

17:32 Trade Wars and Their Economic Impact

23:22 De-Dollarisation and Its Implications

33:20 Australian Economic Outlook and Challenges

35:05 Investment Strategies for Short-Term Cash

45:43 Managed Funds and ETFs for Higher Yields

47:23 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/daniellamp/

https://acesse.one/spotify-passive-income-doctor

-----

LISTEN TO THE PODCAST

LISTEN TO THE PODCAST:

Spotify: https://spoti.fi/3FoBRAy

Apple Podcast: https://apple.co/4iks50N

Amazon Music: https://amzn.to/3DoyJnP

-----

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 28,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors 

-----

In this episode, we’re joined by Chris Joye, Chief Investment Officer of Coolabah Capital, one of Australia’s most active bond traders managing over $15 billion in fixed income assets.

Chris breaks down what a bond actually is in simple terms, why most doctors are unknowingly earning less than 4% while the banks earn 6–8% using their money, and how professionals can flip the equation by “becoming the bank” through bond investing.

He also unpacks how bond ETFs are finally becoming retail-friendly, the differences between term deposits, hybrids, and floating-rate bonds, and why liquidity and safety are often misunderstood in the fixed income world.

If you’ve got cash sitting in savings or offset accounts and you're tired of watching it underperform, this episode shows you exactly how to put that money to work. Learn how to unlock 5–7% returns with safety, liquidity, and control  and why bonds might be the most overlooked income strategy for professionals in 2025.

-----

TIME STAMPS:

00:00 Hook/Intro

01:53 Guest's Background and Coolabah Capital Investments

05:22 Understanding Bonds and Their Liquidity

13:08 Types of Bonds and Their Risks

19:25 Capital Gains and Losses in Fixed Rate Bonds and FRN

28:42 The Role of ETFs in Bond Investing

30:46 Difference between Bonds and Property investments

39:01 Credit Ratings and Bond Risk Management

41:39 The Liquidity and Efficiency of the Bond Market

44:44 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/daniellamp/

https://acesse.one/spotify-passive-income-doctor

-----

LISTEN TO THE PODCAST

LISTEN TO THE PODCAST:

Spotify: https://spoti.fi/3FoBRAy

Apple Podcast: https://apple.co/4iks50N

Amazon Music: https://amzn.to/3DoyJnP

-----

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 28,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors 

-----

In this episode, we’re joined once again by Dr. Daniel Lamp, a general practitioner and host of The Passive Income Doctor podcast, who’s built a diversified medical career beyond the typical clinic model.

Daniel talks about why he stepped away from full-time general practice, how portfolio-style careers are creating new paths for doctors, and the hidden costs of seeing 40+ patients a day.

He also discusses the rise of urgent care and telehealth, how funding structures are reshaping the GP landscape, and why burnout is driving more doctors to rethink their entire career strategy.

If you want to design a sustainable medical career, avoid the trap of trading time for exhaustion, and explore smarter ways to practise while building income and flexibility, make sure to listen to this episode!

-----

TIME STAMPS:

00:00 Intro/Hook

01:20  Dr Daniel’s Portfolio GP Career

02:25 Choosing General Practice and Its Viability

08:17 GP Training and Its Challenges

12:30 Sustainability of General Practice

19:18 Impact of Urgent Care and Telehealth on General Practice

25:03 Traditional GP work and the need for GPs to balance different roles

29:27 Rebranding GP, Future of General Practice and AI in Medicine

33:15 Challenges and Opportunities in Rural and Remote Areas

34:06 AI in medicine and Primary Care

40:31 Healthcare Worker Pay and Strikes

44:25 Conclusion/Outro

-----

 FB GROUP 

In our latest episode, Dr Daniel Lamp shares why he stepped back from full-time general practice, and what he built instead. Learn how he's designed a more flexible medical career. We also unpack what’s really behind the GP workforce shift, why the system is burning doctors out, and how you can take back control of your time and income.

🎧 Watch the full video here: [Insert FB page Link post]

SHOW NOTES LINKS

https://ifdgroup.com.au/ 

https://doctorbi.com.au/ 

https://au.linkedin.com/in/mian-bi

https://www.linkedin.com/in/daniellamp/

https://acesse.one/spotify-passive-income-doctor

-----

LISTEN TO THE PODCAST

LISTEN TO THE PODCAST:

Spotify: https://spoti.fi/3FoBRAy

Apple Podcast: https://apple.co/4iks50N

Amazon Music: https://amzn.to/3DoyJnP

-----

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 28,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors 

-----

In this episode, we’re joined once again by Eloise Dooley, Director and Finance Broker at Two Birds One Loan, and the lending partner for the IFD Group. Eloise talks about why misunderstanding construction financing is more costly than the renovation itself, when a simple equity release is sufficient, and when doctors must opt for a full construction loan.

She also discusses how banks value your home before and after major structural renovations, why progress payments and builder contracts are critical to your project's success, and how running out of cash mid-build can leave you trapped with unfinished projects.

If you want to avoid costly lending traps, navigate renovations with financial clarity, and confidently transform your home without unnecessary stress, make sure to listen to this episode!

-----

TIME STAMPS:

00:00 Hook/Intro

01:43 Eloise Dooley's Background and Commercial Lending Basics

07:28 Lease Doc vs. Full Doc Loans

17:53 Navigating Commercial Lending Processes

24:02 Choosing the Right Lender and Managing Risks

32:30 Annual Reviews and Loan Rollovers

37:37 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/elouisehaynes/

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. 

Join 28,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors 

-----

In this episode,  we're once again joined by Rich Harvey, buyer’s agent and founder of Property Buyer. Rich shares what it really takes to go from dabbling in property to building a scalable, income-generating portfolio, especially for doctors who feel stuck after buying one or two properties.

Rich breaks down how to reverse engineer your target passive income figure, why $250K per year from property is achievable with the right strategy, and how debt recycling and equity play a much bigger role than most doctors realise.

He also discusses why many high-income professionals hit a lending wall, how to restructure through trusts and asset protection, and the real cost of procrastination, especially if you’ve been sitting on the sidelines post-COVID.

If you want to escape the trap of small-scale investing, scale your property portfolio like a seasoned strategist, and finally understand what it takes to build long-term passive income from property, make sure to listen to this episode!

TIME STAMPS:

00:00 Intro/Hook

01:43 Rich's Background

02:32 How to build your portfolio

06:39 Reverse Engineering Your Numbers

08:58 Overcoming Serviceability Constraints

12:57 Competition in Rental

18:05 Structuring Property Investments

22:45 Starting Your Investment Journey + Role of Financial Advisers

26:11 Impact of Labor's Housing Plan (1.2M Dwellings)

33:29 Negative Gearing in Australia

43:39 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/sydney-buyers-agent/

https://www.propertybuyer.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

Join 28,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors 

-----

In this episode, we’re joined by Dr. Daniel Lamp, a General Practitioner and the host of Passive Income Doctor Podcast. Dr. Lamp shares his journey of building a property portfolio from scratch, starting with a modest $70k salary and growing it to 11 properties.

Dr. Lamp breaks down how he scaled his portfolio in the early years by focusing on smart investments instead of relying on outdated advice, why selling one property enabled him to buy eleven more, and how structuring investments through trusts gave him the ability to unlock more lending power.

He also discusses the key lessons he learned from buying his first property at 23, how he navigated the challenges of a changing property market, and why he believes patience and a strategic mindset are essential for long-term success in property investing.

If you want to learn the strategies that allowed a doctor to build wealth despite a low salary, understand how to leverage trust structures for property success, or discover the truth about scaling a portfolio in today’s market, then make sure to listen to this episode!

-----
TIME STAMPS:

00:00 - Intro/Hook
01:42 - Daniel’s Background
02:38 - Daniel’s Investment Journey
04:55 - First Property Investment: What It Took
08:50 - Regrets About His First Property Investment
13:42 - Rental Yield Back Then vs Now
14:41 - Lending Then vs Now: What’s Changed
15:41 - How Daniel Built His Property Portfolio
19:32 - From Individual Name to Discretionary Trust with a Corporate Trustee
22:25 - What’s Next After Building 11 Properties?
24:43 - The Limits of Owning Multiple Properties
26:10 - Housing Affordability in Australia
28:06 - What Would Happen If Everyone Could Only Own One Property?
36:40 - Is Property Still a Good Investment for the Future?
45:20 - Why Finding Property Was Easier Back Then
48:31 - The Concept of Negative Gearing Explained
49:24 - What If the 50% Capital Gains Tax Discount Was Removed?
51:04 - 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/daniellamp/
https://open.spotify.com/show/4qMjSnnyvChQYShMop4lfC?si=dfada7b2a6174a19


-----

 
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. 

Join 28,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors 

-----

In this episode, we’re joined by Justin Fung, Head of Commercial & Corporate and General Manager at Avant Law. Justin has advised countless doctors on how to scale, structure, and sell their medical practices while avoiding the legal traps that often surface too late, when someone wants to exit.

Justin breaks down why outdated shareholders agreements are one of the biggest risks to your future exit, how practices fall apart during sale negotiations due to unclear valuation and partner misalignment, and why legal documents should evolve with your business, not sit in a drawer for 20 years.

He also explores the most common payroll tax and employment law issues in medical practices, how to structure buy-ins for new doctors without triggering disputes, and what corporate buyers look for when acquiring a clinic.  From clean contracts to proper governance and clear succession plans.

If you want to protect your equity, scale your practice with confidence, and avoid legal disasters that could kill your exit strategy, then make sure to listen to this episode.

-----

TIME STAMPS:

00:00 Hook/Intro

01:28 Guest Background

02:01 Buying and Selling a Practice

03:18 Process of Cardiologist setting up a Practice

04:48 Engagement of a Lawyer when setting up a Practice

07:29 Exercising your Option

09:02 Engagement of a Lawyer when Buying a Practice

10:11 Shareholders Agreement

13:31 Employment Law

18:11 Two forms of Contractor

22:56 Employment Arrangements

25:07 Difference between Constitution and Shareholders Agreement

34:36 Structure Valuation

38:45 Process of a Big Corporate Buying a Practice

50:18 Process of Buying Other Practice

52:27 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/justin-fung-53a9647b/?originalSubdomain=au

https://avant.org.au/law

-----

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. 

Join 28,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors 

-----

In this episode, we’re joined by Munzurul Khan, Principal, Founder and Chair of KHI Partners, and Rich Harvey, CEO & Founder & Buyers Advocate of Propertybuyer. Two of Australia’s most respected voices in strategic wealth and property investment.

Munzurul and Rich break down the proposed $3 million super cap, including what most professionals misunderstand about “unrealised gains,” why it’s not as scary as it sounds, and how the mechanics of the tax actually work (hint: it’s not a blanket 30% on your asset growth). *Please note that the proposed changes have not been passed into legislation yet and could be subject to change.

They also unpack the next phase of the property cycle, why interest rate cuts could trigger a major buying opportunity, and how high-income professionals can protect, and even grow their wealth inside SMSFs, despite legislative uncertainty.

If you want to stay calm, invest smart, and make confident decisions about your super and property strategy in 2025 and beyond, make sure to listen to this episode.

-----
TIME STAMPS:

00:00 Intro/Hook

02:03 Interest Rate Cuts and Their Economic Impact

09:53 International Relationship Impact on the Economy

16:53 Affordability in Homes

18:45 Impact of Social Media in Investing

20:44 Labor's Proposed Legislation on Superannuation Assets

27:48 The Complexity of Taxing Unrealised Gains

37:19 The Role of Legislation and Policy in Investment Decisions

43:18 The Future of Property Investment and Economic Stability

47:28 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/

https://www.linkedin.com/in/sydney-buyers-agent/

https://www.propertybuyer.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. 

Join 28,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors 

-----

In this episode, we’re joined by Eloise Dooley, Director and Finance Broker at Two Birds One Loan, and the lending partner for the IFD Group. Eloise has helped hundreds of doctors navigate the complex world of commercial finance, from practice purchases to portfolio expansion, by teaching them how to borrow strategically and avoid unnecessary risk.

Eloise breaks down why most doctors get rejected for commercial property loans, how treating them like residential loans leads to missed approvals, higher interest rates or signing contracts without secured finance, and why your personal servicing position often plays a smaller role than you think.

She also explores the key differences between Full Doc and Lease Doc loans, how lender appetite changes based on asset type and location, and why your approval often depends on lease strength, deposit structure and the story you present.

If you want to avoid the most common lending mistakes doctors make, structure your next deal with confidence and protect your borrowing power for the long term, then make sure to listen to this episode.

-----

TIME STAMPS:

00:00 Hook/Intro

01:43 Elouise Dooley's Background and Commercial Lending Basics

07:28 Full Doc vs Lease Doc Loans

17:53 Navigating Commercial Lending Processes

24:02 Choosing the Right Lender and Managing Risks

32:30 Annual Reviews and Loan Rollovers

37:37 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/elouisehaynes/

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. 

Join 27,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors 

-----

In this episode, we’re joined by Munzurul Khan, Principal, Founder and Chair of KHI Partners, one of Australia’s most trusted accounting and advisory firms for medical professionals specialising in tax planning, investment structuring, and strategic wealth advice for doctors across all career stages.

Munzurul breaks down why most doctors are quietly overpaying tax each year without realising it, how missed timing, not missed deductions, is the real danger before June 30, and why good tax planning has less to do with your accountant and more to do with your actions now.

He also explores when to prepay vs. delay, how to maximise super contributions without locking yourself out later, and the real cost of saying “yes” to tax-deductible expenses you didn’t actually need.

If you want to stop giving away money to the ATO, make smarter EOFY decisions, and build a financial plan that aligns with your long-term goals as a doctor, then make sure to listen to this episode.

-----

TIME STAMPS:

00:00 Hook/Intro

01:21 Introduction of Guest

01:45 Things you need to do before taking over the next Financial Year

02:40 Deductions for Individual Tax Returns

06:13 Investment Property and Deductions

12:19 Superannuation Contributions and Strategies

15:48 Legislative Changes and Future Planning

20:31 Substantiation and Audit Preparation

25:28 Timing and Permanent Differences in Tax Planning

35:01 Continuous Tax Planning and Accountant Relationships

38:07 Final Advice and Recommendations/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.