Episode 142: How to Stop Your Finances Controlling Your Career

Many professionals in high-stress careers can find themselves working long hours every day and not growing wealthier. No matter how much you do or how many hours you add, you find yourself trapped in a cycle of work and finances. It’s difficult to get out of this trap when you don’t know much about your personal finances. You’ll find that you can do more for your finances than just earn more and keep spending.

Dr Tommy Perkins joins us for a conversation about money and career. He answers your questions about what you can do to work less and stay financially stable. We talk about why people make unusual financial decisions and what motivates a person to spend. He also gives insightful tips and tricks to save and set aside money for your wealth and financial safety.

Find out how you can make the changes you need in your life without worrying about money when you tune in to this episode.

Here are three reasons why you should listen to the full episode:

  1. Discover the most important factor when you make financial decisions.
  2. Find out how you can grow your wealth with Tommy’s saving tips and tricks.
  3. Learn how you stay financially safe even when facing difficult times.

Episode Highlights

[00:45] Why We Choose To Spend

  • People often feel trapped by their financial needs. It becomes one of the biggest hurdles professionals face when they want to make a change in their lives.
  • High-stress professionals often work long hours and are at risk of burnout. However, they hesitate to cut down their hours and end up earning less money.
  • A survey in 2016 looked at what American consumers most often spend their money on.
  • They found that it was an individual’s life experiences that shaped their financial decision-making. People’s early adult life experiences were the most important factor.
  • During this time of your life, you start becoming more aware of your financial situation.

‘What people do with their money is actually heavily anchored to experiences that they’ve had, and especially experiences early in their adult life.’ –Click Here To Tweet This

[05:22] Tommy’s Experience With Debt

  • As a child, Tommy never thought they were struggling as a family. Once he reached university age, he realized that he and his family were actually experiencing tough times.
  • Tommy found himself falling into thousands of debt to study. Even after graduating, he felt the full impact of his student, bank, credit card, and familial debt.
  • This was the start of his quest to educate himself about finances. He realized there was good debt you could repay over time and bad debt that was better to be paid urgently.
  • He worked to repay his credit card debt first and fully repaid his thousands of debt over the years.
  • This traumatic experience with debt almost made him miss out on a great opportunity. Fortunately, taking the time to think helped him to decide to invest in a GP partnership.

‘I just remember that first day when I was like debt free, and I wasn’t looking at the deductions coming out of my account, and I felt amazing.’ – Click Here To Tweet This

[12:33] Emotional Money

  • Everybody has their own wants, desires, and expectations. However, you should be mindful of spending less and earning more.
  • Be careful to avoid lifestyle creep. This happens when, despite reaching the top of your career pay scale, you don’t find yourself any wealthier than before.
  • You have to ask yourself: should you spend less money or work more to earn more?
  • Your salary versus what you take home differs. After taking away marginal costs, insurance, and more, you might only have a small percentage left.
  • It can often make more financial sense to stop spending more rather than working for an income that will be cut down by hidden costs. Choose to find how you can budget or cut down your spending.

‘If you’re feeling working harder and harder, and you’re not feeling any richer, and you don’t want to do any more work, unfortunately, it’s time to look at your spending.’ – Click Here To Tweet This

[19:14] Tips and Tricks for Saving

  • Tommy was able to get out of his thousands of debt by learning about finances, making the right decisions, and being extremely frugal.
  • Tip to spend less: Recall how you feel about doing something you hate at work. Think about how many times you’ll have to do that to be able to buy what you want.
  • Another trick to save money is paying yourself first. Have a separate account for spending and never see the money you use for paying off debt, investment, or savings.
  • This way, you learn to live with less because you never see the money set aside for your other financial commitments.
  • Another way is to set a budget for yourself. However, not anyone does well with budgeting.

[23:48] Financial Emergency Buffer

  • You’ve worked hard to get where you are in your career. Learning about personal finance can protect your position and minimize your risk.
  • One way to protect yourself is with an emergency fund. Set aside money using the pay-yourself technique for a few months, and you now have a buffer for difficult times.
  • Some people take on debt to help them through a challenging situation. However, this can lead to a bigger disaster.
  • Other ways you can protect yourself include income protection insurance, critical illness insurance, and life insurance.

‘Income protection insurance essentially pays you an income if you were to get sick and not be able to work and especially important for self-employed GPS, and GP partners, because often, we don’t get any sick pay at all.’ – Click Here To Tweet This

[28:30] Balanced Decision Making

  • Spending isn’t a bad thing. Learn to balance between spending less at the cost of time and buying back your time.
  • The best way to decide about your personal finances is to be aware and make an informed decision. This can make you much happier with your choices.
  • Categorize your spending between discretionary and non-discretionary. Discretionary spending takes more choice. You have to truly consider the value of what you’re getting.
  • Non-discretionary spending includes things like bills. Often, no matter the cost, it would work fine to meet your needs.
  • People’s expectations, including your own, can affect your financial decisions.

‘If you’re making informed choices, I think that’s the key to feeling happier. But if you are trapped in that kind of position, you got to do something about it.’ – Click Here To Tweet This

[32:42] Spend Safely and Wisely

  • Tommy is against buying cars on finance, whether it’s a good deal or not. He explains that you put in money for a brand-new car that you essentially don’t end up owning.
  • Instead, Tommy recommends making use of opportunity cost.
  • Choose to invest your money rather than buy a brand-new car. You can buy a reliable old car instead that works well for you.
  • Have a financial safety net that keeps you and your family safe no matter what happens unexpectedly. One example of this is insurance.

‘Opportunity cost is basically a way of saying, “if I didn’t do that thing, buy a car, brand new car, and finance, what could I do with the money instead?”’ – Click Here To Tweet This

[36:17] Breaking Out of The Work-Money Trap

  • Many high-stress professionals can find themselves trapped in their work and financial situations. What you can first do is acknowledge that you have a problem.
  • Second, assess if you have the capacity to do more work. Check your numbers and your mental and physical capabilities.
  • If you can’t do more work, you can reduce your spending. Work with your family to attack the problem and understand why everyone might need to spend less.
  • It’s good practice to teach your children about money. Help them understand the value of money and the importance of budgeting.
  • When managing your personal finances, spend less than your earn, invest the difference to grow your wealth, and protect yourself.

‘I think in today’s world, we really need to be giving. We are high earners. We need to be giving our money away, modeling that to the kids, and showing how you do that.’ – Click Here To Tweet This

About Tommy

Dr Tommy Perkins is a General Practitioner, a GP partner and the co-founder of Medics Money. He also co-hosts the Medics Money Podcast where they help professionals learn about finances and make financial decisions.

Medics Money is an organization Tommy started with Dr Ed Cantelo, a GP trainee, Chartered Accountant, and Tax Adviser. Together, they work to empower medical professionals to make better financial decisions and manage the impact of today’s stormy financial situation. They provide guides and help connect doctors with accountants, financial advisors, and many more.

You can find out more about Medics Money and Tommy on their website.

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Episode Transcript

Tommy Perkins: The expectations that people have, obviously affects their financial decisions. And I think that’s where I feel incredibly lucky, because the person who puts the most expectations on me is myself. And I’ve got those expectations under control and I’m really happy. And yeah, I do drive a 17-year old van. I’m happy with that choice.

I get to pick my kids up from school, and drop them off two days a week. And that’s a choice that I’ve made. And I’m not saying it’s the right choice. It’s just a choice. And that’s a great thing. If you’re making informed choices. I think that’s the key to feeling happier. But if you are trapped in that kind of position, you got to do something about it.

Rachel Morris: Would you love to make some changes in your life, like cutting down on work to get more free time, or changes in your career, like taking some time off to do more study or develop these skills, but feel you can’t because your finances constrain you? Or perhaps you feel trapped in a job you hate. And the main thing stopping you exploring alternatives is that it pays really, really well?

Most of us have experienced at least one of these dilemmas, if not all three. So I invited Medics Money’s Tommy Perkins back onto the podcast to talk about this.

Tommy is a GP and talks about how his own journey of getting out of a huge amount of debt after university has shaped his thinking around money. And he shares some really practical advice about how we can take control of our finances, and use them to give us options, instead of limiting them. Anything we can do to give ourselves more control over our lives and careers, is one step towards feeling calmer, and finding happiness at work.

So listen to this episode to find out why it might be more financially viable to wash your own car than to do some overtime. Why being better off financially is rarely about doing more work and quite often about doing less. And some simple strategies to take control of your finances and create a buffer, which will make you feel less stressed and less anxious.

Welcome to you are not a frog, the podcast for doctors and other busy professionals in high stress, high stakes jobs. I’m Dr. Rachel Norris, a former GP now working as a coach, trainer and speaker like frogs in a pan of slowly boiling water.

Many of us don’t notice how bad the stress and exhaustion have become until it’s too late. But you are not a frog burning out or getting out and not to your only options. In this podcast, I’ll be talking to friends, colleagues and experts and inviting you to make a deliberate choice about how you live and work so that you can beat stress and work happier. Do you worry about money? Are you paying too much tax? And do you understand your NHS pension?

I’ve worried about all of this until I discovered the Medics Money podcast hosted by today’s guest, Dr. Tommy Perkins, a GP partner and Dr. Ed cancelo. A GP but also a chartered accountant. The Medics Money podcast gives doctors, dentists and other professionals the financial education they need to make better financial decisions.

My favorite episodes are Episode 96: The Big 4.0 Financial Things to do Before you Turn 40 and Episode 112: Don’t Get Stung by the Marginal Rate Tax Trap. What I learned how to value my time and work out how much I get paid for any extra work. You can find the Medics Money podcast on Apple Spotify, or wherever you get your podcasts.

Rachel: It’s wonderful to have with me back on the podcast, Dr Tommy Perkins. Hi, Tommy.

Tommy: Hi, Rachel. How you doing?

Rachel: I’m very well. Thank you. Now, Tommy is a GP partner. He’s the co-founder of Medics Money, and the host of the Medics Money podcast. So an old hand at podcasting, right?

Tommy: I hope so. But I do feel a bit of pressure today, because you’ve been on our podcast a few times, and you always deliver such wonderful insights to our audience. So I do feel a bit of pressure today. And I’ve also got the builders in the background, but hopefully, they’re gonna be nice for the duration of this.

Rachel: So we might hear a little bit of banging, but hopefully not too much. And yes, they told me, I will be keeping a tally of insights per minute. All right, so I want to hit at least three.

Tommy: I do feel the pressure.

Rachel: Well, listen. It’s really good to have you on because we are going to talk about a bit about the psychology of money. And I think this is a really, really important topic for our listeners, because the work that I do is all around, inviting people to make a deliberate choice about how they’ll work, how they’ll live, so that they can be happy in life and work. And a lot of people feel really quite trapped at the moment.

And so we get a lot of questioning back saying, “Yeah, but I can’t just do that. I can’t just do that because I have to have this sort of job. I have to achieve this particular income,” because of the commitments they have, the financial commitments they have. And so often, finances are one of the huge blockers in people being able to make some of the changes that they feel that they need to make in order to thrive in work in life.

And is that something that you’ve encountered with the people that you talked to as well?

Tommy: Yeah, absolutely. And it’s something that I’ve encountered myself. I suppose people don’t come to you and say, “Rachel, I’m on the edge of burnout. I just need to do a bit more work.” Yeah. Most doctors and professionals that I come across are working insanely long hours. And as you say, they want to cut back down, but they don’t know how, and that is the economic reality of life. If you’re going to cut down work, you are going to possibly earn less money, but we’ll talk about that.

But, I think, on our podcast, we talk about more technical aspects of actually how to do things, but we rarely talk about the psychology of those decisions and how our own experiences shaped the decisions that we make in life and in finances. It is something that, I think, is really underrated and under reported.

And I’ve been looking– I’ve observed this many, many times in myself, and also other people, that sometimes they make very unusual decisions with their finances and you’re trying to understand why. And back in 2006, a couple of American economists looked at something called the 50-years survey of consumer finances, which is basically a look of what Americans do with their money.

In theory, money should be– most money decisions should be about the numbers. Does it make financial sense? But that is not what they found. Because they found that what people do with their money is actually heavily anchored to experiences that they’ve had, and, especially, experiences early in their adult life.

For example, if you grew up when the stock market was booming, then you invested more of your money in the stock market in later life. And conversely, if you lived through the Great Depression in America in the late 20s; a terrible, terrible time, an actual depression or recession.

It didn’t really matter to you that by the 1970s, the stock market was absolutely booming. Those early experiences when you were in your early 20s made you forever sceptical of the stock market. And even though you’ve looked at the numbers and saw that it was booming, you wouldn’t invest because of those early experiences.

Then conversely, if you were in your 20s, during the 1980s and 1990s, when the American stock market was incredibly strong, you are more likely to invest in stocks even though during 2000 to 2013, the American stock market was essentially– didn’t do anything. It’s called the Lost Decade. But those early life experiences shaped your decisions.

Essentially, the conclusion was that the most important factor that determines what a person does with their money is the set of experiences that they’ve lived through, especially in their early formative years. And then that got me kind of thinking about things that I had done, or continue to do, based on experiences that I had when I was younger.

Rachel: I’m quite surprised, actually, Tommy. I would have thought that the decisions you made about your finances are based on when you were a child and when you’re growing up because whenever I listen to podcasts, with entrepreneurs about, “how I built this company, how I did that company.”

They all say, “Oh, I had absolutely no money when I was a kid. We literally were starving, hungry. We didn’t know where our clothes were coming from. Therefore, I knew I had to build this business to make all this money.” And it seems like that the really young experiences really, really shaped people. But you’re saying, actually, it’s the young adult ones as well, right?

Tommy: Yeah. Maybe this is what I thought about it, is when maybe when you’re a kid, like 10 years old or something, you’re not aware of your struggles, shall we say. And it’s only when you’re sort of 15, 20 that you sort of suddenly start to realise, and you’re exposed to a different point of view, that you’re aware of that.

This is something that definitely happened to me because I just grew up in, what I would say, a normal working class family, which is in medicine. That makes you a bit of an outlier, but just a normal family. We weren’t like hard up or anything, but to give you an example, if I came home from school, and which was just a normal, fairly rough state school, and said, “We’ve got a school trip next week. I need £7.” My brother came home and he ripped a knee out of his trousers.

My other brother came over, “So I got hole in my shoe.” My mom would be like,”Right. I’m gonna go do some extra work this weekend to pay for the school trip. We’re going to iron on one of those cool–” I don’t think I still have them. They’re quite cool little patches that you iron on and it kind of like seals over the hole in the trousers. And then fix the shoes. And we weren’t struggling.

But then when I got to university, I kind of sort of found a whole new world of– and then you kind of look back and think, “Oh, yeah. It was quite actually quite tough if you think about it.” And this actually kind of impacted like one of my major money traumas, shall we say, and that is– I know that I have a weakness in this area, and I know that I constantly make irrational decisions around debt. But that is because of my own experiences of debt.

Because as I said, I grew up working class, went to med school, which was hideously expensive. And I graduated with £85,000 worth of debt. And these days, unfortunately, that’s not an outlier. But back then, nobody had that amount of debt. And unfortunately, although some of my debt was on student loan, some was on a bank loan. And even worse, some was on a credit card.

Probably the worst debt of all was to my mom, because I’d have five grand, and five grand was a tremendous amount of money to her. So when I graduated, this kind of sound wonderfully naive, but I didn’t really know what the starting salary was for a doctor. But all I did know is that– I’d say I went to a normal state school, which was pretty rough. And when we moved to secondary school, one of my friends was her doctor; her dad was a doctor. And the school was super rough.

She got parachuted out to private school and never saw her again. And I thought, “Wow. Doctors must be really rich.” I didn’t know anyone who went to private school, and we didn’t know any doctors. So when I got my first, sort of, idea of what the salary was, then I looked at my debt, and worked out what I needed to repay per month, I was just in a blind panic, because I was just looking at this 85 grand and I was in total panic.

Basically, right there is where Medics Money started, because I had no financial education throughout med school, didn’t get anything from my family in terms of education. And so I just sort of educated myself about finances, and eventually, I kind of worked out that there’s good debt, and there’s bad debt. And so broadly, I would define good debt as low interest rate debt that is used to buy an asset that appreciates and so your mortgage would be an example of this.

In general, good debt– you can repay slowly in general, and none of this is of course, financial advice. We have to say that, and then there’s bad debt. And bad debt is high interest rate debt that is historically used to purchase an asset that depreciates. So a store card which you use to buy clothes, which are going to just depreciate, get less worth over time. Most forms of car finance, I would classify as bad debt. And bad debt needs to be repaid as an absolute urgent priority.

Going back to my own scenario, I looked at my debts. I worked out that my credit card debt was bad debt. So I paid that off first, then this is where the psychology comes in, because the next logical thing would have been to pay down the bank loan, which it wasn’t terrible debt actually. But it wasn’t great. But like I said, I owe my mum five grand and that the interest rate on that debt was 0%. But I know that it was a lot of money to her. So I pay down that debt.

Then eventually, after about 10 years, I’d paid down the whole lot. And I just remember that first day when I was like debt-free and I wasn’t looking at the deductions coming out of my account, and I felt amazing. And then for about 18 months, I was completely debt-free, and it just felt amazing. And then somebody– I’m a GP partner, so somebody offered me a GP partnership, which is something that I was definitely interested in, but I had to buy into the practice and partners will know about this.

But for those that don’t, generally, you have to buy into the business. So that could be a six figure amount to buy into the building and the current account. And I was just really scared, even though I really want to be a partner, and it was a great practice. I just didn’t want to do it.

I looked at the numbers and the numbers look great. It was a great investment by numbers. But those early experiences and that panic that I felt when I first graduated as a doctor, I just didn’t want to do it. I was so close to turning that opportunity down. And thankfully, a combination of looking at the numbers and just thinking about it more deeply. And I did decide to take the partnership, and that was five years ago, and I’ve never ever regretted it.

But that was just an example where I nearly made a very, very silly decision based on my early experiences with debt. And I think lots of your listeners might be able to relate to that. I don’t know, what do you think?

Rachel: Oh, definitely. I think the listeners, I’m sure have an absolute range of financial stuff going on from debt from university, from debt from personal stuff, that from, I guess, relationship breakdown. But also, I think a lot of the listeners are sort of in the middle of their careers. And it is this feeling of financial commitment that they have.

They might have children in private school, which is a freaking, huge, huge bill, when you actually add what you’ve actually got before taxes to pay the private school bill. And when it comes to your family, you don’t mind going– I don’t mind not having that lovely pair of shoes, or that new jacket, or that amazing car. But when it comes to sort of what feels like letting your family down. And that’s another thing.

People feel trapped in their jobs that they maybe don’t want, or they maybe want to drop a session or two or not do quite as much out of hours. But they feel that they’re not able to do that. But I do think there’s also another side of things that we do get ourselves into financial debt through just maybe some emotional decisions around money, like, “I really deserve that amazingly wonderful car, because I’ve worked so hard.”

And I know that money isn’t just a transaction of time, which essentially, that’s all money is, isn’t it? It’s a payment for the time. It’s something you’ve exchanged for time. But there’s a lot of emotions attached to it as well, particularly, when we’re talking about possessions or houses or where you live or where you’ll send your children to school or when you go on holiday. I mean, do you find that that is a huge factor in people’s choices as well?

Tommy: Yeah, definitely. And I think everybody has their own wants, desires, and expectations. And that kind of leads me neatly onto the next thing I was going to talk about, which is: spend less or earn more, or how to avoid lifestyle creep. And so, lifestyle creep is basically you’re earning a decent wage, maybe you’ve reaching the sort of top of your career pay scale, and you’ve had quite a few pay rises since in the last 10 years.

Yet, you don’t feel any wealthier. And at the end of the month, your bank account is still empty, and you still have little in the way of savings and investments. And you don’t have what’s called an emergency fund, which is a sort of pot of money, broadly, three to six months of your outgoings saved up in case of emergencies. And you might start to feel really guilty or annoyed because you’re like, where is that money going?

Let’s think about it in those terms. If that is you, should you spend less or earn more? So I said I wasn’t going to talk too much about numbers today, but I am going to throw some numbers in here because I think it’s relevant and it might help some of your listeners to understand, what if they are in that position, what they can do about it. So let’s say you are a consultant, and you are earning £100,000. That is a good amount of salary.

Nobody’s saying it’s not. And you want somebody to wash your car. Okay? So, should you do a waiting list initiative for £100 an hour? Or should you wash your own car? Which would make more financial sense? So if we look at the numbers, let’s say the carwash costs £20 for 20 minutes, okay? So the carwash will cost you one pound per minute to pay somebody to wash your car, not a lot of money.

You’re the consultant and you go to do a waiting list initiative and you get £100 an hour. The problem you’ve got is that that gap between 100 and 125,000 of income is subject to what’s called a marginal rate. And we have a whole podcast on marginal rates. So I don’t want to go into the details.

But essentially, you get your £100, you take off £40 for income tax, because it’s the marginal rate. You take off another £20 for your income tax, the loss of your personal allowance. You take off national insurance at £2. And who knows what that’s going to change to at the moment with all the turmoil and new turns that are going on.

But at the moment, at the time of recording, national insurance, £2. So that gives you a take home pay from that £100, I’ve actually £38 an hour. So that’s still a good amount. But remember, the carwash cost £1 a minute, and your take home pay £38 per hour is only 63 p per minute. So it makes more financial sense for you to stay at home and wash your car than it does to go and do a waiting list initiative.

Actually, the £38 out of 100 that you get is actually possibly a best case scenario. Because if you have a plan to student loan, which lots and lots and lots of consultants do now and, thankfully, I did had a plan one student loan, you probably still going to lose another 9% of that as well. And if that work is pensionable, you lose another 12 and a half percent, so that, actually, that £100 an hour could actually go down to less than £17 per hour in your pocket.

At that point, you’ve got a choice. If you hate washing your car, and you love going to work, then fine. Go to work and just accept that it doesn’t make financial sense. But if you’re feeling hard, working harder and harder, and you’re not feeling any richer, and you don’t want to do any more work, unfortunately, it’s time to look at your spending. And budget is probably the most boring word in personal finance, but you do need a budget.

It’s really, really simple, really, because if you save £100, so you trim £100 off of your expenses, that will be £100 in your pocket, you will feel £100 richer. But I’ve just demonstrated to you that if you earn £100, you might get £38 or less. So save £100, it is £100 in your pocket. Go to work for £100, it’s 38 or less in your pocket.

I don’t know what you think about that, Rachel, because there’s definitely a balance here between like, doing everything, but then also working less. What do you think?

Rachel: I think it’s a really difficult balance. But I mean, to me, when you put it like that, it’s pretty, it’s pretty obvious that you can stay home, because what you’re not featuring in is how much it costs you to drive to work, to park to do that thing. You’re factoring time away from your family, as well. Whereas actually, you could wash your car with your kids or, more to the point, give one of them a fiver to wash the car. They think they’re getting pocket money. They love you for it.

Your car might not be that clean. But, it’s really interesting. And I know we’ve talked about this before, and it has really made me think that actually saving money is better than earning more. It’s funny in my son the other day, it’s always like, “Can we get a takeaway mum?” And I thought, “Well, for the three of you,” for takeaway, they always like to get these posh burgers that’s like 45 quid, just for an evening. That actually represents earning of what can’t seem about 60 or 70 quid, right?

So an hour’s worth of work just for a takeaway, we had some burgers in the freezer. So you can actually, you know, you make your own burgers. But I think we don’t like feeling that we are being restricted in our spending, particularly, when we feel we are working so so hard. You think, “Well, then why shouldn’t I have nice things? Why shouldn’t I be able to spend my money? Surely, one of the perks of working this hard is to feel like I can have a few luxuries.”

But actually, what you’re saying is, you’re gonna feel a lot freer in terms of not feeling trapped into the work, if you can, maybe ditch some of that spend and save it, and then the time that you get back will probably be worth more to you than having that nice pair of shoes.

Tommy: Well, this is again, something that digging myself out of that 85 grand debt hole. Basically, I just did it by being smart, about getting educated with finances, making the right decisions, but also being ridiculously frugal. And I used to frame things. If I wanted to buy something, I would frame it in terms of how many hours doing something that I hated. So I don’t know about you, but after the night shift when you do the post-state ward round, and you just want to go to bed, you’re basically asleep.

You’ve been up all night, and they’re going on and on and on about the patients and it’s clocking around towards 10 am and you just want to go to bed. Capture that feeling and then work out how many hours of that that you’d have to do to buy the thing that you want to buy. And when you frame it like that, trust me, it’s an amazing way to save a ton of money. And if you’re struggling to save money, just think about it in those terms, think about something that you hate doing.

Like a post state ward round after night. Work out how much you actually get, not what the headline rate; if it’s £20 an hour, run it backwards. Run the numbers backwards. It’s not difficult to do. And then think about it in those terms. And don’t overdo it, because I’ve definitely ever done it. And just being honest, my financial situation has changed dramatically since I left med school because I’ve worked incredibly hard and made the right financial decisions.

Probably, I haven’t quite adapted to that yet. And my frugalness is still there in the background. And if you are struggling to save, there’s a really nice little, again, this is a psychological trick that can help you to save money. And that’s something called Pay Yourself First. I don’t know if you’ve heard about that, Rachel.

Rachel: I have. I’ve heard about it. People in the group I was in were absolutely raving about it. I never quite understood what it was, though.

Tommy: Yeah. Hopefully I can explain it because it is reasonably straightforward. So let’s say, you have a debt, and you need to pay £200 per month off of that debt. So what you would do is your salary would come into your separate bank account. One that you don’t often touch. And from that bank account, automatically, the £200 would be paid out to cover the debt, okay.

Then after that, the rest of the money would go into your spending account, your current account, and that would be your money for the month. And the reason that I like that is two-fold, really. One, once you get into that habit, you just don’t even notice the loss of that £200, because you learn to live with less you look at your bank account. You go, “Oh, this is what I’ve got in my bank account for the month. Thanks very much.”

You don’t even see that £200 being filtered off because you’ve paid yourself first. And so that basically is how I pay down my debts. But the great thing about Pay Yourself First is it carries on working, going forward. Because once you’ve paid down all your debts, you might consider investing. So I invest an amount every month automatically, and it comes off my wages automatically, I never see it.

I just get used to living on less, and then I’m automatically investing every month. And lots of personal finance is just about repeating good habits for 20 or 30 years because, essentially, something called compound interest, which we met we might talk about in a bit. But yeah, Pay Yourself First, I just love it. It just works. It just works so well, because you never really notice that the money’s not there. And the other way that some people do is to set a budget.

But I don’t do well with budgets. I don’t do well with dieting, because I just get miserable that I can’t eat what I want. And I don’t do well with budgeting because I feel like I’m consciously having to watch everything. But if I’ve got that amount in my account, and I know it’s got to last me a month and all my other debts or investments are taken care of, it just works quite well for me. So it’s quite a neat little psychological trick to just save up a ton of money, basically. Pay yourself first.

Rachel: I really like that. And you’ve mentioned also the emergency stash as well. So that I know a lot of people are so worried about, “Well, what if I do have to go off sick with stress?” Or do you reduce? But if you’ve thought about it before and built up that buffer, I really like the idea of buffers. I talked about buffers before, I think, not just not just financial buffers, but time buffers. Why do I always leave to that appointment ten minutes away, with nine minutes to spare.

Why wouldn’t I leave with fifteen minutes to spare? So I’m not stressed, et cetera. Same with money, right? What do you recommend having as that emergency buffer?

Tommy: I think it’s a really good point. So that this will come under the sort of umbrella of protection really, or protecting yourself from disaster because you’ve probably worked incredibly hard to get where you are in your chosen profession, wherever that’d be a doctor or a manager or professional or all the other types of people that listen to you amazing podcast. And you need to protect that position.

A lot of personal finance is about minimising, what I would call, the downside risk. If the worst happened, are you protected? So step number one there is as you said, an emergency fund. An emergency fund is really simple.

It’s just a pot of money, which you keep aside. Generally, people sort of say three to six months. So when I was a locum GP, my work pattern was erratic. I had a young family. So I had six months saved up. Now that I’m a partner, work part is still erratic but income, more stable, and hopefully not gonna get fired or might lose my contracts tomorrow like you could as a locum.

Just have three months of emergency funds saved up and it’s just a fund that you have exactly the scenario that you just mentioned. A lot of doctors say to me, “Well, I could get a high interest, or I could get a low cost credit card, if I needed it.” And that is actually a real red flag for me because taking on bad debt, like a credit card, at the very moment that your earnings stop, because you’re off work sick, is just an absolute recipe for disaster. ‘Cause that’s like the basics.

Then at a slightly more advanced level, you got to think about, “If I get ill, how will I pay my bills?” And there’s ways you can do that with something called income protection insurance, which essentially pays you an income if you were to get sick and not be able to work and especially important for self employed GPs and GP partners, because often, we don’t get any sick pay at all, like check your contract.

But in general, you have a critical illness, which pays out a sum, if you get one of the list of predefined critical illnesses. And of course, if you die, there’s something called life insurance, which would pay out then. So that’s a core of, well, in summary, of how to protect yourself against disaster, but I think it’s a really good point. And the emergency fund is the basics of that.

If you don’t have an emergency fund, right now, just work out what you need; three months of your outgoings. Set up a direct debit into a separate account using Pay Yourself First, and I guarantee, you will just learn to live on that money. And then once you’ve saved up the emergency fund, divert that extra money that you no longer need to paying down bad debt, like credit cards and store cards. If you don’t have any of those. Think about investing.

Rachel: That’s such good advice. Because I think sometimes the stress that people feel is because “What if? What if? What if?” And so they delay, particularly, if they’re really, really stressed, and they know they need some time off work. They just delay it because they think “Oh, I can’t possibly afford this.” If they’ve got that emergency fund, might encourage them to take the time off that they need earlier, or maybe drop a session or two.

They could do that maybe for six months and go to their employers or their partnership and go, “You know what? Literally, unless I have this extra day for six months, I’m gonna burn out.” That will probably prevent a whole heap of pain. And then you get to assess it.Then you’ve got that buffer. So I think that’s absolutely brilliant advice. And I think people that think, “Well, I’m not going to burn out, that’s fine.”

Well, fine, okay. You might not think you’re gonna burn out, that’s great. But what if you– in a car accident, you break your leg or something like that. These dreadful things do just happen to us out of the blue, and you can’t predict it. So really important. That’s really helpful. And to me, I’m just coming to this realisation that I always say to people, pay for ways to get back your time. So for me having a cleaner is just a no brainer, because my time-off is so precious.

Also, I love the fact that I can support my cleaner as well and her family, and she’s wonderful. But I always thought, “Okay, so you work so that you can then pay to have experiences. Get some of your time back because we are time-poor, cash-rich.” But actually, you give me a completely different mindset that if you’re time-poor, then rather than working extra, which actually makes no sense, does it? Extra to get the money to get people to do the stuff you don’t want to do. Actually spend less to get the money.

The way you spend less is not by scrimping on those time saving things like maybe having a cleaner and stuff, because that doesn’t add to your quality of life. But I think it’s get less stuff, right? Get less stuff. We’ve all got too much stuff, and maybe go on less expensive holidays. I think stuff and holidays. The thing’s, well, when I look at our spending, it seems to be stuff and holidays. I don’t know if that’s normal. That’s what you see with people.

Tommy: Yeah, definitely. And by the way, I think the truth lies somewhere between my point of view and your point of view, because I’ve already said, been completely honest, I’ve definitely overdone it, and I haven’t really adapted to my situation. But that is what worked for me when I was getting out of that financial hole. But I think your point is a really good one about buying back your time by getting a cleaner etc. And yeah, it might make no financial sense to get a cleaner.

But if you can afford it, and you’re aware of what the cost is, and you know what the cost is, and you’ve made that conscious decision. I guess like a lot of personal finance is a bit like when we can send our patients. We just want to make them make an informed decision. So get all the info and sometimes the personal finances. Unfortunately the information is numbers, but they’re not hard to work out. Take all that and then you know, talk about it with your family and make an informed choice.

Every one of us will make a different informed choice based on that. And in terms of breaking it down. I like to keep things really simple. So I just break it down into discretionary spending and non-discretionary. So get your non-discretionary. That’d be like your mortgage, your energy bills, your broadband bills. I hate paying too much money for those because your boiler doesn’t know wherever it’s burning the most expensive gas on the market, or the cheapest.

It all burns the same. So I always get shop around, set a reminder on your phone for when your deal expires. So you don’t roll over onto the deal where they just start punishing you for your loyalty. And if you can just chase down your non discretionary bills, that’s great. And then get into your discretionary stuff. And that’s where it becomes more of a choice, because you think, “Okay, well, that holiday is gonna cost us that. I might have to work that many hours for it.”

But what did we get out of it as a family? And what was the value of it? And so, the non discretionary stuff is pretty easy. That’s discretionary stuff. It’s harder.

Rachel: I think it is harder. But I’m just wondering if some of the discretionary stuff, we make the wrong decisions about often. Hang on, there’s no such thing as a wrong decision. But I think we make, perhaps, slightly unwise decisions, because we get stuff based on comparison with other people. Particularly I think, when it comes to things like cars. Perhaps when it comes to schools.

I mean, I think schools is quite an interesting one, because I think that is discretionary at the point where you choose where your children are going to go. And I think many people knee jerk, perhaps straight into paying for education. When you tie yourself into years and years and years and years and years of school fees, which are a huge pressure, aren’t they?

Tommy: I think you’re right, the expectations that people have, obviously affects their financial decisions. And I think that’s where I feel incredibly lucky, because there was basically zero expectations on me. And the person who puts the most expectations on me is myself. And I’ve got those expectations under control and I’m really happy. And yeah, I do drive a 17-year old van. I’m happy with that choice.

I get to pick my kids up from school, and drop them off two days a week. I took my daughter to gym yesterday at five o’clock in the evening. And that’s a choice that I’ve made. And I’m not saying it’s the right choice. It’s just a choice. And that’s a great thing. If you’re making informed choices. I think that’s the key to feeling happier. But if you are trapped in that kind of position, you got to do something about it.

Rachel: What are the warning signs for people that they are making an unwise choice about some of these things? If you’re looking at a car, and think well, “I’d really like to have that one.” How do you know whether you’re actually really making a good sound financial decision, or whether you’re just being swayed by your emotions and comparison with other people and things like that? What would be the warning signs?

Tommy: Yeah, so wrong person to ask about cars, because I’m really not into them at all.

Rachel: What would work for you? Surfboards?

Tommy: Surfboards? Yeah. Surfboards. Okay. That’s basically my weakness. I know a lot of people do, but I’ve never had a car on finance. And some people say, “Oh, I’ve got a great deal on my car on finance.” And I look at the numbers in detail. And yeah, you might have gotten an okay deal based on buying a brand new car at full retail price. But actually, if you look at– say, you’re going to spend £200 a year, a month, sorry, on a car and you’re gonna do that for 30 years.

Because most of the time, you never own these cars, you’re just leasing them. You’re renting them. So if you’d instead put that £200 a month for 30 years, you would have spent £72,000 on a car that essentially you wouldn’t own after 30 years. So that’s bad, right? In my opinion. But if you want to spend £76,000 to drive a car for 30 years, and not own it at the end, that’s fine.

If you took that £72,000 and invested it in something that returned 6%. Over those 30 years, you would turn that £72,000 into £202,000. And this is where you come into something called opportunity cost, which is basically a way of saying, “If I didn’t do that thing, buy a car, brand new car and finance, what could I do with the money instead? And how would that improve my life?” And so that is an example of opportunity cost.

Do you want to pay £202,000 over the next thirty years to drive a car that you don’t own? Or could you buy a three to five year old car, run it until it’s ten years old? Generally, very reliable. I’m not advocating a seventeen year old car but I’ve just got a bit slack on my car buying habits recently. But yeah, I think that’s the way to think about that.

Rachel: That’s interesting because even if you took maybe half of that £72,000, 35, and bought one car for £10,000 and then run that a bit and then bought another one, you can invest the rest, and you would still own that car and over 30 years of spending 30, 40 grand on the car, you probably get some pretty decent cars, right?

Tommy: I think as well, something that we haven’t talked about is having the financial safety net, and we did talk about it a bit earlier and having an emergency fund and stuff. And this is something that I know, we didn’t have as a family when I was growing up. And it’s something that I’ve been really conscious to work hard on. So I know that if I die right now, then my family will be very well protected.

I’ve got all of the insurances necessary, and they will be able to continue that lifestyle. The feeling of having a financial safety net is just invaluable to me. And especially with having a young family.

Rachel: Well, Tommy, we’ve gone through some really helpful stuff. I loved that Pay Yourself First idea, and then invest that. Then having an emergency fund, so you don’t have that acute pressure of, “I have to keep carrying on even if I’m unwell.” The looking at actually saving money rather than working more to get more money.

Then looking at the difference between your discretionary and non discretionary stuff. What would you say to someone who felt really, really trapped, and felt that they couldn’t work happier because their financial commitments? Probably family, probably home, probably all sorts of things meant that they absolutely had to maintain a certain income. What would be the very first thing that you would suggest to them?

Tommy: Yeah, so I think in all of this, I’ve kind of perhaps– I’ve assumed that your listeners are not on the poverty line, and they are earning an okay amount of money, it’s just not delivering them the lifestyle that they wanted. But I think it’s important to acknowledge with the current financial pressure is that there are going to be lots of people. They are going to be making the choice between heating and eating.

That’s terrible, but this, what I’m about to say is not really for them. It’s for people that are, as I say, earning an okay amount of money but do you feel trapped, as you described. And I think one really, really simple thing to do is, of course, firstly, acknowledge that you’ve got the problem. And then secondly, just think, “Okay, do I have capacity to do more work?” And run the numbers, like I said. And if you don’t have capacity to do more work, you are going to have to cut something out.

So I like to do this as a family, because if one person is leading a budget-slashing, cost-cutting exercise, it can become a bit resentful. So when we do this, as a family, we all sit down as a family. We go through the last three months of our bank statements, and we just look at where our money is going.

Then we think, “Okay, what do we not need off of that list? What could we cut out?” And like I said, every time you cut something out, every time you save £100 spending, is £100 in your pocket. It’s not rocket science. So yeah, just get your bank statements out for last three months with your partner or your family or wherever and say, “Look, guys I need to work less so we’re gonna have to cut some stuff out, what can we cut out?”

I think you’ll be amazed at the amount of things that are just on there, which you don’t need, you don’t want, and are not more important than your own mental health, which is essentially what you’re saying here, isn’t that?

Rachel: Oh totally. And I think I would just put a bit of a health warning around that question, do I have the capacity to do more work? So I think when people ask themselves that they often ask themselves, “Do I have the time to do more work?” And probably the answer is, well, yeah, you could always fill your entire weekend up with work and the evenings that we’ve worked with, if you do have that time, where maybe one evening you go and play squash or something like that, but that is not what capacity means.

I will say the mental capacity, the mental energy to do that. And I love that suggestion of sitting down with your kids and your family and looking at it together. Because I think one quite toxic mindset we have, particularly at the moment, is that we have to give our kids everything that they want. And certainly, though, I grew up in the 1980s, my dad was a GP. And well, we went out for dinner once a year.

I think it was once a year, we really did. And then it was to a little chef. It was diabolical. We had a black and white TV for a long time followed by one colour TV. We had very little and I know the 1980s were completely different beasts. But nowadays, my kids moan if they don’t have the latest iPhone. They moan if iPhone’s a little bit low on the battery or they seem to want absolutely everything at the drop of a hat.

New this, new that, new trainers to go on every single trip. To be able to go out in the school holidays and have lunch in town every single day. To be able to just get Ubers places. All those sorts of things that we wouldn’t even considered even when we were at university. And one of my children quite often said, “Look, why can’t I have a higher allowance? It’s not fair. You can afford it.”

Her answer to him is, “Yes. Of course, we can afford it darling. But that’s not the reason why your allowance is at a certain amounts.” And then, so the oldest one is gone and got herself job. And that’s actually been really good for her to have a bit of experience of real life, the real world. All those sorts of things.

I think this idea that we’re depriving our children if we are not meeting that every wants with the latest iPhone, or clothes, or meals out, whatever. Actually, we need to get ourselves out of that mindset. It’s actually quite good for them to have to budget, to have to save, to have to experience what lots of people– let’s face it, can’t eat out all the time. Is that making sense?

Tommy: Yeah, definitely. And it’s something that we didn’t really talk about today. But something that I’ve been working on quite hard with my kids is teaching them about money. So they’re a bit younger than yours. My oldest is eight, and then six, and two. And yeah, I think my main strategy has been to try to teach them the value of money. So they like to buy these like magazines with like, Lego or something on the front. They’re about £5.

I don’t give them an allowance. I say, “Okay, you want to buy the magazine, go wash my car, which definitely isn’t- I’m not paying someone to wash. And as you say, they do a terrible job on it. But the point is, they’re learning the value of money. So that’s one thing that I try to instil upon them that, “Okay, you want to buy that thing? Well, here’s how much work you’ve got to go to do it.”

Rachel: Then of course, there’s the whole thing around around giving your money and being generous to others, and charitable giving. I think we should pack something for another episode. We know that giving us one of the ways to well-being. And I think that’s a really important part of people’s financial management, as well, is that every month, they were regular, giving to charity.

I know there’s lots of organisations that are talking about 10% of your income, et cetera. And I think in today’s world, we really need to be giving. We are high earners. We need to be giving our money away, and modelling that to the kids and showing how you do that. So anyway, that’s my bit of a soapbox about that. But Tommy, we’ve talked a long time. Any final thoughts about any of this?

Tommy: I think if you are struggling, and you are earning an okay amount, attack the problem as a family. And then if everybody understands the problem, and understands why cutbacks need to be made, then everyone’s going to be on board with it. And at the end of the day, personal finance is incredibly simple.

You simply spend less than you earn, invest the difference to grow your wealth over time, and protect your most valuable asset — which is you — using those insurances we talked about. So spend less than you earn, that’s the difference, protect yourself. Job done.

Rachel: Brilliant. Brilliant. And if people are wondering how they do that, getting into the technicalities of investment and stuff like that, you guys have got a wealth of information, haven’t you on your Medics Money site?

Tommy: Yeah, we do. So we have, obviously, our podcast, which is pretty popular. So you can find that just by searching Medics Money podcast. We’ve got over 100 episodes now. So we made an ebook, which just guides you through the basics. So that is at medicsmoney.co.uk/ebook. Completely free to download and it can signpost you to the most valuable episodes and you don’t have to listen to all 100.

Rachel: Brilliant. Well, thank you so much. So we’re gonna have to get you back again, because there’s so much more to explore in all of this. But we’ll put all those links in the show notes. Thank you so much for being here. Will you come back again?

Tommy: Definitely, we’re so grateful for having your expertise on our partnership course. And so anything we can do to reciprocate the amazing value that you always offer to our listeners. It was such a pleasure and the builders stay pretty quiet, which is amazing.

Rachel: I have just realised that I’m recording on the completely the wrong microphone. It’s not picking up my lovely big podcast mic. Hopefully, the sound won’t have been too bad. But thanks for being here, Tommy. See you soon.

Tommy: Take care.

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Podcast Links

You Are Not A Frog Episode 50: Freeing Yourself From the Money Trap

Learn more about how you balance your career and finances at Medics Money and get a copy of their ebook.

Medics Money Podcast on iTunes, Spotify, and Google Podcasts

 

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John Monks joins us in this episode to discuss designing better online meetings and interactions. We clarify the difference between a meeting, a presentation, and a workshop. We also discuss creative ways to design online meetings that energise and infuse rather than drain and demotivate. And John shares some simple exercises on limits and boundaries that can radically improve our problem solving and creativity. If you want to know how to make the most out of online meetings, stay tuned to this episode.

Episode 118: How to Manage Upwards (and Sideways) with Dr Claire Edwin and Dr Keerthini Muthuswamy

Dr Claire Edwin and Dr Keerthini Muthuswamy talk about their experiences working within a hierarchical system as junior doctors and share what they have found to be essential if you want to build trust and foster good relationships with your seniors, your juniors and your peers. If you want to know how you can build trust and influence your workplace, and manage upwards and sideways this episode is just for you!

Episode 116: What I Got So Wrong About Mindfulness And How It Might Transform Your Life with Dr Steve Pratt

Dr Steve Pratt joins us to discuss what we really mean by mindfulness, and how it could work for you. He'll debunk some of the myths of mindfulness and how you can make it worth your time and effort. We'll discuss how certain techniques can help us live happier, be less anxious, and harness our resources to make better decisions. Finally, Steve shares his mindfulness practices and takes us on a quick three-minute breathing exercise! If you want to learn about mindfulness, stay tuned to this episode.

Episode 114: How to Get an Appraisal that Doesn’t Suck with Dr Susi Caesar

Dr Susi Caesar joins us to talk about how you can elevate and enjoy your professional life with annual appraisals. She shares the purpose of appraisals and how they can help you choose the best way forward in your career and personal life. Dr Susi also gives her top tips on what you can do to make this process more meaningful. If you want to know more about appraisals and how you can benefit from them, stay tuned to this episode.

Episode 113: What To Do When A Junior Is Badmouthing Your Colleagues with Dr Ed Pooley

Dr Ed Pooley joins us in this episode to discuss what we should do when we see inappropriate behaviour like badmouthing. He shares how we can manage difficult conversations with the intent of helping others. We also discuss the importance of recognising triggers through the SCARF model. If you want to know how to deal with difficult conversations for a better workplace, listen to this episode.

Episode 112: Why We’re Ditching the Term ‘Imposter Syndrome’ with Dr Sarah Goulding

Dr Sarah Goulding joins us to talk about imposter syndrome and why we need to drop the word from our vocabularies. We also discuss how self doubt can be helpful to us. Finally, she shares tips for overcoming wobbles and incorporating more self-compassion into your life. If you want to get over your imposter syndrome and practice self-compassion, then this episode is for you!

Episode 111: What To Do When You Start To See Red with Graham Lee

Graham Lee joins us to discuss our emotional states and ways to apply simple mindfulness techniques to change them. Most conflicts are rooted in unmet needs. When we admit those needs, we can instantly change relationship dynamics. Graham also shares tips on what to do during stressful situations where your emotions cloud your judgement and thinking. If you want to use mindfulness practice to be more aware of your emotions even during difficult situations, tune in to this episode.

Episode 110: How To Stop People Pleasing And Absorbing Other People’s Angst

Dr Karen Forshaw and Chrissie Mowbray join us to discuss how our core beliefs shape the way we respond to situations. When taken too far, empathy and helping people can be a big cause of stress. In addition, we also talk about we can learn to reframe and reassess their core beliefs. If you want to know how to help people without absorbing their emotions, stay tuned to this episode.

Episode 109: Is It Possible To Have Fun At Work? With Dr Kathryn Owler

Dr Kathryn Owler joins us in this episode to share her fascinating research on the characteristics and traits of people who enjoy their current jobs. We dissect the common themes these people have in finding success in their careers. And we also talk about changes we can implement as individuals to make work more fun and enjoyable. If you want to start adopting the mindset people who have fun at work have, stay tuned to this episode.

Episode 108: What We Wish We’d Learnt at Med School with Dr Ed Pooley & Dr Hussain Gandhi

Dr Ed Pooley and Dr Hussain Gandhi join us in the latest episode of You are Not a Frog. They discuss the management skills a doctor needs that you won't learn in med school, plus tips to help fresh doctors feel empowered in their workplace. Whether or not you work in medicine, these skills are crucial when it comes to working effectively and managing your own and others’ time. Tune in and listen to the experts talk about the management skills med school doesn't teach you and how to learn and develop them today.

Episode 107: Define Your Own Success In Life With Dr Claire Kaye

Dr Claire Kaye joins us to talk about the importance of honesty and clarity in defining our own success. We may think that achieving certain goals will make us happy, but evidence shows us it’s the other way around. It’s only when we’re happy that we can be successful. We also discuss how to overcome common barriers to our happiness and success such as fear, guilt, and uncertainty. If you want to know how to live a happier and more successful life, stay tuned to this episode.

Episode 105: The Simplest Way to Beat Stress and Work Happier with Dr Giles P. Croft

In this episode, Dr Giles P. Croft joins us to discuss how our thoughts and emotions trigger stress signals. He shares his controversial approach to tackling stress, and why most of our efforts to cope better don’t really help at all. We also delve into the importance of pausing to allow yourself to calm down and letting go of the things you can’t control.

Episode 104: How to Cope With Nightmare Relatives and Colleagues Without Losing the Plot

In this special Christmas episode, Corrina Gordon-Barnes shows us how to create the groundwork for a peaceful and successful holiday season, even while navigating difficult relationships with relatives or colleagues. Corrina guides us to relax our expectation of a perfect holiday with our family, so we can face reality in ourselves and others. She explains a simple framework to allow you to resolve conflict, and walks us through what we can do during difficult gatherings and how to shift our responses to create different outcomes. Tune in to improve your strained relationships with relatives and co-workers through empathy and letting go of past assumptions.

Episode 103: How Not to Settle For The Way It’s Always Been Done

Dr Abdullah Albeyatti talks about improving your life and career by making changes and taking risks. He explains why settling for the familiar could be slowly ruining your life and how you can avoid this situation. Finally, he shares his top three tips to become a changemaker in your field. If you want to start doing things differently, creating change, and take more risks, then this episode is for you!

Episode 102: Why FAIL is Not a 4-Letter Word

Drs Claire Edwin, Sally Ross, and Taj Hassan join us to discuss how we can manage and deal with our failures more effectively. We explore the idea that rather than doing something wrong, failure is an opportunity to really grow and learn both as individuals, as leaders and as organisations. In any situation, it’s important to remember that we’re all human. It’s okay to be honest with ourselves and each other about our mistakes - after all, vulnerability is not a sign of weakness. If you want to know how to change your mindset around failure, stay tuned to this episode.

Episode 101: Making Helpful Habits Stick with Sheela Hobden

Sheela Hobden joins us to discuss how we can harness the power of checklists to create a routine. She shares how you can approach your goals in a more realistic way and learn to encourage yourself using specific goal setting techniques. Sheela also recommends creating identity-based goals to ensure that you keep building your new identity even after completing certain milestones. Start small, and eventually, you’ll see these good habits stick!

Episode 100: Dealing With the Guilt of Not Being Okay With Dr Nik Kendrew

Dr Nik Kendrew unravels why we experience overwhelming guilt when bad things happen to us. He also shares some tips, techniques, and resources on how to deal with guilt, especially in these difficult times and circumstances. Apart from this, Nik talks about the significance of scheduling our entire day to do important things. Finally, he discusses why setting boundaries is necessary to maintain our sense of self.

Episode 99: How to Deal with Criticism When You’ve Reached Your Limit with Dr Sarah Coope and Dr Rachel Morris

Dr Sarah Coope joins me to talk about the workload of medical professionals and the benefits of setting boundaries while dealing with criticisms amidst the global pandemic. We discuss the three elements of the Drama Triangle and ways to navigate or avoid them reliably. As we dive deeper into the conversation, we explore the art of saying 'No' through acknowledging our limits. Awareness and recognition can go a long way in maintaining our boundaries. If you want to take the first step in recognising your limits, handling criticism better and setting proper boundaries, tune in to this episode.

Episode 96 – How to Deal with Difficult Meetings with Jane Gunn

We hear from the expert in conflict management and mediation, Jane Gunn. She discusses important tips to keep in mind to host great meetings. She shares some practical conflict management tips and how to make decisions that you and your team agree on. Jane also emphasises the importance of putting the fun back in functional meetings and the need to give a voice to participants.

Episode 93 – How to Delegate, Do It, or Drop It with Anna Dearmon Kornick

Anna Dearmon Kornick joins us to share the time management strategies crucial for busy professionals. She lays down tips on how medical practitioners can have more control over their days. Anna talks about how to manage admin time and imparts ways to combat distractions. We also discuss the importance of delegation both inside and outside work. For this, Anna introduces the passion-proficiency lens and knowing your zone of genius.

Episode 92 – How to Avoid Becoming the Second Victim with Dr Caraline Wright & Dr Lizzie Sweeting

Dr Caraline Wright and Dr Lizzie Sweeting join us to discuss the second victim phenomenon. They explain why patient safety incidents are occupational hazards and how they can affect healthcare providers. Caraline then shares her personal experience of being in the “second victim” role. Finally, they share tips on how to avoid second victimhood and how to provide support to someone going through it.

Episode 91 – How to Break Up With Your Toxic Relationship With Your Career with Dr Pauline Morris

Dr Pauline Morris joins us to share her career counselling advice for physicians and other professionals in high stress jobs. We discuss the common pitfalls that lead doctors to unsustainable work habits. Pauline also sheds light on why staying in your comfort zone can be detrimental to your performance. To avert this, she shares tips on how to better recognise and advocate for your own needs. We also learn about the importance of self-care and taking time for yourself.

Episode 90 – What to do About Bitching and Backbiting with Dr Edward Pooley

Dr Edward Pooley joins us again to discuss what to do when colleagues make inappropriate comments about others. We talk about why it’s crucial to consider the question behind the question in workplace backbiting. Ed also teaches us how to challenge in a supportive way. Most importantly, we learn some strategies to prepare ourselves to speak up when the situation requires it.

Episode 89 – Should I stay or should I go? with Corrina Gordon-Barnes

Corrina Gordon-Barnes joins us to share how to better relationships and take control and stay in your zone of power. She shares how to make a good decision by questioning thoughts and assumptions. We also discuss how you can change your perspective to become more compassionate, accepting, and empowered. If you want to know how to better relationships, stay in your zone of power, improve your decision-making skills, and be true to yourself, then tune in to this episode!

Episode 88 – How to Ditch the Saviour Complex and Feel More Alive with Rob Bell

Rob Bell joins us in this episode to discuss the perils of the saviour complex and the desire to keep hustling even when we’re miserable. We learn that taking time for rest and reflection only helps us get stronger. You can’t heal and help rebuild a broken system if you don’t look out for yourself first. Tune in to this episode to find out how to ditch the saviour complex, feel happier and live a more fulfilling life.

Episode 87 – Complaints and How to Survive Them Episode 5: What Should I Do When I Think a Complaint is Unfair? And Other Questions with Drs Sarah Coope, George Wright, Samantha White, and Andrew Tressider

We’re joined by a panel of expert guests to share their thoughts on how to handle complaints. Together, we discuss ways that you can adjust your perspective and respond to unfavourable situations. Most importantly, we tackle issues regarding malicious complaints and how to cope with them. If you’re having trouble managing yourself during complaints, then this episode is for you.

Episode 86 – Gaslighting and Other Ways We’re Abused at Work: What’s Really Going On? with Dr James Costello

Dr James Costello joins us to talk about his new book and the insidious ways that organisations and individuals can undermine us. They compel us to do extra emotional labour for us to cope with the workplace dynamics. We also chat about what happens when authority and power are misused. Finally, James shares some of the disastrous consequences bullying in the workplace can have and what we can do about it. Tune in if you want to know what to do if you suspect that you or a colleague are experiencing relational abuse in the workplace!

Episode 85 – How to have crucial conversations with Dr Edward Pooley

Good communication between colleagues is crucial for the success of any organisation. Dr Edward Pooley joins us again to teach us how to communicate well. He discusses the three strands present in any conversation and helps us understand how we can be more aware of each. We also share some frameworks that can help you navigate difficult conversations. Understanding the importance of emotion is crucial in being an effective communicator and connecting with your team.

Episode 84 – Complaints and How to Survive Them Episode 4: Creating a Workplace Where It’s OK to Fail

Professor Susan Fairley and Dr Jane Sturgess join us to discuss how to create a workplace that doesn’t shy away from failure. We talk about how civility can save lives and also touch on the issues around incident reporting in healthcare. Most importantly, we talk about creating a culture where people can have difficult conversations without defensiveness. If you want to know how to approach failing and speaking up in the workplace, tune in to this episode.

Episode 83 – The Ups and Downs of Being a Man-Frog with Dr Chris Hewitt

Joining us in this episode is Dr Chris Hewitt who also uses the metaphor of a man-frog in coaching professionals to have a better work-life balance. Chris talks about why we find it so hard to recognise burnout. He also shares his top tips and practical strategies to address work dissatisfaction. If you want to stop feeling like a man (or woman) - frog in a pan of slowly boiling water, listen to the full episode.

Episode 82 – Complaints and How to Survive Them Series Episode 3: Surviving the Process

Drs Jessica Harland, Caroline Walker and Heidi Mousney join us in this episode to discuss healthcare professionals’ experiences when dealing with complaints. We talk about the different emotions you may experience and practical tips on getting through. If you want to know how to survive the process after making a mistake at work and receiving a complaint, stay tuned to this episode.

Episode 81 – When Soft and Fluffy Met Coronavirus with Steve Andrews

Steve Andrews, Associate Director of Leadership for East and North Herts NHS Trust shares how, through using just five crucial questions, you can check in on people, rather than check up on them. The 5 questions will help you to find out how people really are, help them look out for their colleagues, empower them to solve their own problems AND communicate empathy and support. Want to know how you can apply compassionate leadership in your organisation? Then, this episode is for you.

Episode 80 – Complaints and How to Survive Them Episode 2: What to Do When You Make a Mistake with Drs Clare Devlin and Dr John Powell

Drs Clare Devlin and John Powell join us to discuss the proper way of responding to professional mistakes. We talk about why doctors have a hard time whenever they make a mistake at work. Clare and John also share valuable advice on minimising negative consequences and getting a good outcome for you and your patient. If you want to learn a roadmap for what you should do you make a mistake at work, then tune in to this episode.

Episode 79 – How to Give Yourself Permission to Thrive with Dr Katya Miles

Dr Katya Miles joins us once again to talk about burnout and giving ourselves permission to thrive. Having experienced work burnout, Katya shares her story and discusses the red flags of burnout. We also talk about why we find it difficult to give ourselves permission to thrive and how we can overcome our own internal barriers. If you want to learn about how you can listen to your needs so that you can thrive in work and in life, then this episode is for you.

Episode 78 – Complaints and How to Survive Them Series 1: Preparing to Fail Well with Drs Sarah Coope, Annalene Weston and Sheila Bloomer

Drs Sarah Coope, Annalene Weston and Sheila Bloomer join us in this first episode in a new series on ‘Complaints and How to Survive Them’ to talk about coaching doctors and dentists through complaints made against them. We also talk about the perfectionist mindset and how changing our perspective towards failure can help us and those around us. If you want to know how to deal better with complaints made against doctors and other professionals in high-stress jobs, stay tuned to this episode.

Episode 77 – Denial, displacement and other ways we neglect ourselves with Dr Andrew Tresidder

Dr Andrew Tresidder joins us to talk about how many medical practitioners and other professionals in healthcare and high stress jobs neglect their health and well-being. We're so focused on taking care of others that we forget to take care of ourselves but our well-being is vital if we want to keep doing the work we do. Find out why healthcare professionals need to learn more about health, as opposed to only learning about disease and if you want to know how to focus on taking care of your health and well-being, stay tuned to this episode.

Episode 76 – Tech Tips for Happy Hybrid Working with Dr Hussain Gandhi

Dr Hussain Gandhi, or Dr Gandalf of eGPlearning, joins us in this episode. He is a GP, PCN director and host of the eGP Learning Podblast that shares deep dives into health tech for primary care. He shares his tech and time hacks for hybrid working to survive and thrive in the new virtual environment. If you want to find out how to improve your hybrid working experience, then tune in to this episode!

Episode 75 – How to Escape the Drama Triangle and Stop Rescuing People with Annie Hanekom

Annie Hanekom joins us to shed light on the different roles which interact in the drama triangle. She shares the pitfalls of taking on each role and how we can actively shift from these roles into something better, fostering healthier relationships at work. If you want to know more about how you can step out of the drama triangle, have better conversations and build healthier relationships with your colleagues, make sure you tune in to this episode.

Episode 74 – Managing your Time in a System Which Sucks with Dr Ed Pooley

Dr Ed Pooley joins us in this episode to share his take on time management techniques for busy individuals. He discusses the three types of competing demands and how to manage them. We also talk about being more comfortable holding difficult conversations about workplace issues - vital to help change the environment we work in. Tune into this episode to discover how time management techniques and communication can help you get a calmer and more time-efficient workplace.

Episode 73 – How to Find Your Tribe: The PMGUK story with Dr Nazia Haider and Dr Katherine Hickman

Dr Nazia Haider and Dr Katherine Hickman join us on this episode to discuss the importance of a work community. We talk about the inspiring stories from the online community they created, the Physicians Mums Group UK (PMGUK). Nazia and Katherine also share their tips on how to increase connections and find your own tribe at work. If you want to know how to create a network of supportive colleagues and feel more connected, then tune into this episode.

Episode 72 – Working well – from anywhere! with Dr Katya Miles

Dr Katya Miles joins us to discuss how to work well from home by creating healthy boundaries. She shares how to be more productive by using the third space hack and taking breaks. Katya also talks about how to be more active and better connect with people in the workplace. If you want to learn about working well from home and achieving a better work-life balance, then tune in to this episode.

Episode 71 – Create a Career You’ll Love with Dr Claire Kaye

Dr Claire Kaye joins us to discuss how to find a career you love. As an executive coach specialising in career development, Claire is an expert in guiding people how to find a career they love. We talk about the value of job networking and diversifying in our career journeys. We also share our tips and experiences on how to find a career you love. We do this by helping you identify the roles that best suit you and how to go about getting these roles.

Episode 70 – How Safe Do You Feel at Work with Scott Chambers

Scott Chambers joins us to talk about why we need to make people feel comfortable and safe enough to speak up in their workplace. When we create psychological safety in our team, we improve overall happiness and boost performance! If you want to learn how to create psychological safety for a better and happier team - whether you’re the boss or not, stay tuned to this episode.

Episode 69 – Make Time for What Matters with Liz O’Riordan

Liz O'Riordan joins us to share productivity life hacks. These have helped her transform how she approaches work. Now, Liz can spend quality time with her family and enjoy life. In this episode, she teaches us how we too can achieve this. If you want to learn some new life hacks, beat burnout and work happier, then tune in to this episode!

Episode 68 – The Revolutionary Art of Breathing with Richard Jamieson

Richard Jamieson discusses how we can utilise breathing techniques to feel calmer, make better decisions and be more productive. He explains the different steps we can take to change our breathing patterns. When you’re in a high-stress situation, remember this: just breathe. If you want to know how to use breathing techniques to beat stress in everyday situations, stay tuned to this episode.

Episode 67 – Bringing Your Best Self to Work with Dr Sarah Goulding

Dr Sarah Goulding discusses how to bring your whole self to work without leaving bits of you behind. Sarah shares her own story of experiencing burnout at her old job and rediscovering her true passion. We also discuss how applying our core strengths to our jobs can mean the difference between burnout and having a sense of fulfilment. Don’t miss out on this episode if you want to learn more about how to be yourself and how to bring joy back into your work!

Episode 65 – Passing the Naughty Monkey Back with Dr Amit Sharma

Dr Amit Sharma joins us to discuss the effects of taking on too many of other people’s ‘naughty monkeys’. We talk about why professionals in high-stress jobs so often take on the rescuer role and how to shift that mindset. Amit and I also discuss the importance of empowering patients to take control of their own health. If you want to know how to avoid being weighed down by too many naughty monkeys, stay tuned to this episode.

Episode 64 – What to Do When You’re Out of Fuel with Dr Jess Harvey

Dr Jess Harvey, a GP partner and GB triathlete, talks about what happened to her after running out of fuel and feeling burnt out. She discusses how we often ignore the symptoms and signs for too long and why resting and refuelling is as important as what we're doing in the first place. If you’re feeling burnt out, tune in to this episode to find out how you can plug the holes in your energy bucket!

Episode 63 – How to Survive Even When Times are Tough with Dr Caroline Walker

This episode is part of the COVID-19 Supporting Doctors series, and joining us again is Dr Caroline Walker. She's here to discuss why rest is crucial, especially for people in high-stress jobs. Caroline also shares key strategies that can keep us going through the crisis. The previous year has been tough, so don’t miss this episode to start 2021 better prepared.

Episode 62 – Self-Coaching for Success with Dr Karen Castille, OBE

Dr Karen Castille joins me in this episode to discuss her book on self-coaching. She shares powerful questions to ask yourself which will jumpstart your self-coaching journey. She also talks about the importance of developing this vital skill and crafting powerful life questions. Before we close the show, Karen gives her top tips for self-coaching. Don’t miss this episode if you want to learn how you can find clarity and achieve success through self-coaching!

Episode 61 – The Self Help Book Group on Happiness with Dr Nik Kendrew

In this episode, You Are Not A Frog regular Dr Nik Kendrew joins me to discuss the concept of happiness. We tackle the everlasting question of ‘What is happiness’? We also talk about perfectionism and fear and how these can hinder us from doing the things we want to do. At the end of the show, Nik and I give our top tips to being happier. If you want to know more about living a happy life, then this episode is for you.

Episode 60 – Creating a Workplace that Works with Dr Sonali Kinra

Dr Sonali Kinra joins us to discuss why people leave their jobs and how to prevent it. We talk about the importance of workplace culture and its role in creating an environment that makes people want to stay. We also discuss why you need to seek opportunities that broaden and develop your career. Don’t miss this episode if you want to find out how to keep yourself in a job you love.

Episode 59 – A Social Dilemma? With Dr James Thambyrajah

In this episode, Dr James Thambyrajah joins us to talk about social media’s subtle yet profound effect on our daily lives. We discuss the perils of being unaware of how our online decisions are influenced. James also shares his insights on how we can improve how we stay informed and inform others. Tune in to this episode if you want to learn more about how to go beyond your digital echo chamber.

Episode 55 – The One About Alcohol

Dr Giles P Croft is back to chat with Rachel about his experiences following a revolutionary read he was recommended. You might remember Giles from episode 46, where he talked about how as humans, we naturally default to happiness.

Episode 52 – A year of the frog

The week’s episode is a special one as the Frog celebrates a year of podcasting! It’s been quite a year - including charting in Apple’s Top 100 Business Podcasts in the UK!

Episode 50 – Freeing yourself from the money trap

Joining Rachel in this week’s episode is Dr Tommy Perkins, as well as being a GP Partner, and father, Tommy is one half of Medics Money. Medics Money is an organisation specifically aimed at helping doctors make better decisions with their finances. It’s run by Tommy and Dr Ed Cantelo who is not only a doctor but a qualified accountant.

Episode 49 – The Self Help Book Group No 2 with Nik Kendrew

This week Rachel is joined by You Are Not A Frog regular, Nik Kendrew. Last time Nik joined us, we discussed a book that has helped him in his professional life as a GP, trainer and partner as well as his personal life. Nik’s back this week to talk about another brilliant book and to share what insights and learnings he’s gained from it.

Episode 47 – How to Have a Courageous Conversation

Rachel talks with Beccie D'Cunha about the conversations that we avoid and the conversations we really need to have with our colleagues, teams and managers. They can be described as difficult conversations, but we can redefine them as courageous conversations - because ultimately it takes courage for both parties to listen and be heard.

Episode 46 – Default to happy

Rachel talks with Dr Giles P Croft about his take on how to beat stress and burnout. Giles  is a psychology graduate and former NHS surgeon who stepped aside from clinical practice for a decade to explore a number of career paths, including health informatics, cycling journalism, public speaking and high street retail with his wife.

Episode 45 – Rest. The final frontier

Rachel is joined by Sheela Hobden, Professional Certified Coach, wellbeing expert and fellow Shapes Toolkit facilitator. We talk about why rest isn’t just important for wellbeing, but important for productivity and creativity too. 

Episode 40 – Leading with tough love with Gary Hughes

In this episode, Rachel is joined by Gary Hughes, author of the book Leadership in Practice, blogger, educator and facilitator who is a Practice Manager by day. We chat about how leadership in the COVID-19 crisis has had to adapt, and the different roles that a leader has had to take.

Episode 37 – How to manage conflict during COVID with Jane Gunn

Rachel is thrilled to welcome back Jane Gunn – lawyer, mediator and expert in conflict resolution who has been known as the Corporate Peacemaker. This episode is for you if the thought of addressing a difficult issue with one of your colleagues send you running for the hills…

Episode 20 – A creative solution to stress with Ruth Cocksedge

In this episode, Rachel is joined by Ruth Cocksedge a Practitioner Psychologist who started her career as a mental health nurse. She practices in Cambridge and has a particular interest in EMDR for PTSD and creative writing as a way to improve mental health and wellbeing.

Episode 11 – The magical art of reading sweary books

In this episode, Rachel is joined once again by Dr Liz O’Riordan, the ‘Breast Surgeon with Breast Cancer’, TEDx speaker, author, blogger, triathlete and all round superstar who has been nominated for ‘Woman of the Year’.

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2022-11-14T04:33:51+01:00