Ep 336: Budgeting, Investing & Surviving Your New Rotation

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Starting a new rotation, or FY1, is exciting, overwhelming, new payslips, and filled with a whole lot of new questions. In this episode, freshly qualified Dr. Sanay Goyal sits down with chartered accountant (and doctor!) Cyra from Medics' Money to break down exactly what every new FY1 needs to know before hitting the wards.

From budgeting your first "grown-up" payslip and building an emergency fund, to understanding ISAs, Lifetime ISAs, and how to make your money work as hard as you do — this is the financial survival guide every new doctor needs as they rotate into their first placements.

Whether you're heading into your very first rotation or just trying to get your finances sorted before day one, this episode is packed with practical tips to set you up for success.

In this episode:

Budgeting tips for your first NHS payslipBuilding an emergency fund before you start investingA breakdown of Cash ISAs, Stocks & Shares ISAs, and Lifetime ISAsWhy saving habits matter most as you head into new rotations

Congratulations to all the new FY1s starting this year — welcome to the profession!

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