“Finance Is Not My Cup of Tea, Doctor”
Why ignoring money can cost you more than you think
We hear this often in our conversations with doctors.
And honestly — it makes sense.
After MBBS, PG, super specialisation, and endless night duties, you trained to diagnosepatients, not portfolios.
You already juggle OPDs, surgeries, academics, and family time.
Adding CAs, SIPs, tax slabs, REITs, and ETFs to that list feels overwhelming.
So, many doctors quietly tell themselves:
“Finance is not my cup of tea.”
But here’s the reality: ignoring finance doesn’t make it go away.
Case 1: The Passive Saver
A paediatrician we met parked all surplus in a savings account.
Why?
“I don’t understand markets.
”But inflation was quietly eroding 6–7% every year.
What looked “safe” was actually unsafe.
Case 2: The Delegator
An orthopaedic surgeon simply signed whatever his bank RM suggested.
An orthopaedic surgeon simply signed whatever his bank RM suggested.
He ended up with 8 ULIPs, 5 endowment policies, and no retirement plan.
“At least I didn’t have to think,” he said.
When we ran the numbers, his effective returns were lower than a fixed deposit.
Case 3: The Late Realiser
A 58-year-old gynaecologist once told us:
“I thought finance was boring. Now retirement is 7 years away, and I don’t have a plan.
”She wasn’t careless — she was busy saving lives.
But money, unlike patients, doesn’t forgive delay.
The Mindset Shift
You don’t need to become a financial expert.
You just need the right diagnostic framework — just like you do for patients.
Think of money like medicine:•
Diagnosis → Where am I financially today? (liquidity, debt, goals)•
Prescription → What fixes the imbalance? (insurance, SIPs, asset allocation)•
Follow-up → Am I on track, or do I need a dose adjustment?
You don’t run every blood test yourself — you trust the lab, but you know what to ask for.
Finance works the same way.
Takeaway
Saying “Finance is not my cup of tea” may feel true.
But if you ignore finance, it won’t ignore you.
Your children’s education, retirement, and family’s security depend on it.
The good news?
You don’t need to master everything.
You just need a trusted framework — and a partner who speaks your language as a doctor.
Willing to explore what suits you best? Schedule a one-on-one consultation today →
