Passive Income Doctor
Episodes
Tasmania hotspot? What about lack of population growth?
22 Apr 2026
Contributed by Lukas
Tasmania had a massive growth run 2016-2022, so why are some investors buying now? New AFL stadium, new larger and faster Spirit of Tasmania ferries e...
Property Market Melbourne/Victoria 2026 (and revisiting purchasing process)
08 Apr 2026
Contributed by Lukas
In this episode, joined by doctor and mortgage broker Leon, we discuss Melbourne and regional Victoria market for 2026 and beyond.Some suburbs includi...
Buying your first property? or getting stuck?
26 Mar 2026
Contributed by Lukas
In this informal stye chat with optometrist turned BA Johnson, we discuss why getting your first 1 or 2 properties is so important, not just for equit...
How can doctors improve borrowing power
11 Feb 2026
Contributed by Lukas
In this episode, we discuss 6 ways doctors (or really anyone) can improve their borrowing power, to purchase their next property.Joined again by mortg...
Lending update early 2026
28 Jan 2026
Contributed by Lukas
Lending is critical for growing a property portfolio, and there are some significant changes coming to borrowing in 2026. In this update, joined by d...
Darwin property 2026?
01 Jan 2026
Contributed by Lukas
Where to buy in 2026? Many investors have started buying in Darwin, a relatively affordable capital city in Australia. I share some recent purchases, ...
Capital growth vs cashflow
17 Dec 2025
Contributed by Lukas
Will admit more recently I have been leaning more towards capital growth rather than cashflow, especially when earlier in investing journey/accumulati...
Property predictions for 2026
03 Dec 2025
Contributed by Lukas
In this episode, I discuss property predictions for 2026!SQM boom and bust report 2026 discusses what growth to be expected for different cities next ...
How medical student Leon bought 3 properties(800k equity)
21 Nov 2025
Contributed by Lukas
Amazing to hear people able break through barriers- I was astounded when heard uni student was able to purchase 3 properties (I had zero myself as a m...
How GPs Australia can increase their billings (Casey Going)
05 Nov 2025
Contributed by Lukas
In this episode, we discuss how GPs can still bill compliantly whilst doing great patient care, reduce administration tasks, Dr Casey himself has noti...
Melbourne HOT or NOT? with Richard Bharata
22 Oct 2025
Contributed by Lukas
In this episode, we chat with buyers agent Richard Bharata, we discuss pros and cons of purchasing property in Melbourne. He shares some case studies ...
Buying own business premises (SMSF GP practice), with Annalyse Crane
08 Oct 2025
Contributed by Lukas
In this episode part 2 of chat with Dr Annalyse Crane, we explore challenges involved with practice ownership, including negotiating purchase of the b...
From PE teacher to GP, with Annalyse Crane
24 Sep 2025
Contributed by Lukas
In this chat with Dr Annalyse Crane, we explore journey from PE teacher to studying medicine. Work ethic, taking calculated investment risks, juggling...
Property development or not? with Scott Yip, Mortgage broker
10 Sep 2025
Contributed by Lukas
Today we chat with Scott Yip, banker turned mortage broker. With 15 years experience with lending, he shares how lending has changed over the years.➢...
The downsides of property investing
27 Aug 2025
Contributed by Lukas
Can you actually lose with property investing in Australia? seems everyone talks about the positives and the big wins, but often downsides are not tal...
Setting goals for new financial year
30 Jul 2025
Contributed by Lukas
How do I as an early 30s GP in Australia, set goals. In this episode, we talk about financial, professional and personal goals. SMART goals.We talk ab...
Dev Raga personal story (Frugality, surgery to GP, net worth target)
16 Jul 2025
Contributed by Lukas
In this episode, we go behind the scenes with another doctor podcaster- Dev Raga. Long episode, where Dev shares some real gems, taking us behind the ...
Dr Gihan- Happiness, personal growth, and Coach for lifestyle medicine
02 Jul 2025
Contributed by Lukas
In this chat with Dr Gihan "Dr G", we explore his backstory in medicine, investing in yourself, as well as what process was like becoming an...
6 properties in under 3 years (Johnson Lin)
18 Jun 2025
Contributed by Lukas
Inspiring chat with Johnson, optometrist and buyers agent. At just 27 years old, he has gone from zero to 6 properties in under 3 years!Inspirational ...
Both patient and doctor (leading to special interest in allergies), Dr Jason Yu
04 Jun 2025
Contributed by Lukas
In this chat with Dr Jason Yu, we discuss money story, journey through junior doctor years, and becoming a GP with special interest in alleriges. •...
Secrets to weight loss (Low carb clinic, Dr Avi Charlton)
21 May 2025
Contributed by Lukas
Today we have a special Guest- Dr Avi Charlton, GP and founder of Melbourne Low Carb Clinic.Graduated From Melbourne Uni 2000, GP since 2003. She has ...
How to get into medical school Australia (with Dr Jason Yu)
07 May 2025
Contributed by Lukas
Today we interview Dr Jason Yu, GP and Co-Founder of MissionMed, which provides UCAT and medicine interview training.•why chose medicine (and person...
How a couple built a 40 property portfolio in Australia
23 Apr 2025
Contributed by Lukas
Han and AIlinh, from running optometry business to now buyers agents. Humble beginnings, working locum jobs, and growing to 40+ property portfolio. •...
How Doctors can pass exams and interviews (Gail Carmody, RN and Coach)
09 Apr 2025
Contributed by Lukas
Gail Carmody helps doctors and healthcare workers pass high stake exams and job interviews. From early days working as a nurse at St Vincent's i...
Doctors pay too much tax? (remember the big picture, with Munzural Khan)
26 Mar 2025
Contributed by Lukas
Munzural Khan, accountant, and founder of KHI Partners, sits down in a behind-the scenes interview. He shares his philosophy of service in his busines...
Doctor Salary Australia | Which specialty earns the most?
12 Mar 2025
Contributed by Lukas
We revisit this hot topic-How much do doctors in Australia actually make? And is there a pay gap between the states? (NSW, Queensland, Victoria, South...
GP to Weight loss entrepreneur (Dr Angela, Enlighten Me)
26 Feb 2025
Contributed by Lukas
In this episode, we have a behind the scenes chat with Dr Angela Kwong- GP and founder of Enlighten Me-a doctor designed meal replacement shake for we...
Locum market broken? (Dr Anu, StatDoctor)
12 Feb 2025
Contributed by Lukas
•Dr Anu's experience with locuming, and how StatDoctor can revolutionise this space •leaving steady pay-check, to zero pay security with b...
How to Retire with Commercial Retail shops (with Phil King)
29 Jan 2025
Contributed by Lukas
Phil retired at 53 years old, but found retirement mind-numbingly boring, and so he decided to draw on his experience to help others buy commercial pr...
Why Doctors don't get Wealthy
15 Jan 2025
Contributed by Lukas
WARNING: Controversial topic. But you may be a doctor wondering why you just can't get ahead. High single or dual incomes but high expenses: ...
Income protection Explained (chat with advisor Jason Hugo)
01 Jan 2025
Contributed by Lukas
Personal insurances often something put in the 'too hard' basket, but to kick of the new year- good time to reflect and review. In this epis...
Doctor and Entrepreneur Tom Lee (Hopmedic founder)
18 Dec 2024
Contributed by Lukas
Inspiring in-depth interview with Dr Tom Lee, founder of Hopmedic, a telehealth and locum job portal.His medicine and entrepreneurial journey has been...
How doctors can get into the property market (and avoid scams, part2 Dr JL)
04 Dec 2024
Contributed by Lukas
In part 2 of my chat with Dr JL:•personal philosophy on property investing. •cashflow vs capital gains. •Perth market. •exit plan for prope...
Passive Income with 2.5Million dollar portfolio (Dr JL part1)
20 Nov 2024
Contributed by Lukas
Dr JL, GP shares his career journey, and investing journey. •BPT background to currently working General Practice •humble beginnings to now pass...
Doctors and SMSF (chat with Bluerock advisor Nadine)
06 Nov 2024
Contributed by Lukas
Hot topic is SMSF (Self Managed Super Fund)•what minimum balance to start SMSF•what assets do doctor clients invest inside SMSF•property and SMS...
Growing a consulting business (Dr Kristal Lau, part 2)
30 Oct 2024
Contributed by Lukas
Part 2 in chat with Dr Kristal Lau. having lived and worked in many countries, she shares her experiences and perspectives on healthcare and business ...
Dr Kristal Lau (becoming an Author and Entrepreneur)
16 Oct 2024
Contributed by Lukas
In this episode, we interview Dr Kristal Lau- journey from medicine to entrepreneurship and postpartum wellness consulting.•medical school, BPT•ge...
Capital Growth vs Cashflow (Richard Bharata)
02 Oct 2024
Contributed by Lukas
Another insightful episode with property investor and BA Richard Bharata.We cover age old debate "capital growth vs cashflow" •Richard&ap...
Investing in 10 year cycles (Dr Anna Pham Part 2)
18 Sep 2024
Contributed by Lukas
In Part 2 of chat with Dr Anna Pham, we discuss•resi vs commercial property cashflow numbers•thoughts on buyers agents•building a community of d...
Dr Anna Pham's Property Journey
04 Sep 2024
Contributed by Lukas
We have a special guest- Dr Anna Pham- GP, entrepreneur, property investor.In Part 1 of this interview, we discuss:•medical school, and choice of sp...
Locum doctor cancellations (3 strike rule, with Max Drakeley Part 2)
21 Aug 2024
Contributed by Lukas
In this part 2 of interview with locum agent Max, we discuss:•do locum agents really prioritise one doctor over another?•last minute cancellations...
Locum doctor roles (Interview with agent Max Drakeley)
07 Aug 2024
Contributed by Lukas
In this chat with locum agent Max, we discuss:•which medical specialties get the highest rates•doctor preferences for lifestyle and shorter stints...
Side hustles as a doctor (Revisited)
24 Jul 2024
Contributed by Lukas
"Multiple income streams" is often stated as way to get ahead financially.In this episode, we explore some side hustles that doctors can do,...
Tips on Perth investing (David Hall interview Part 2)
10 Jul 2024
Contributed by Lukas
We are back for part 2 interview with Perth buyers agent David Hall. •dark side of rental growth • horror story about self-managing a property ...
Perth buyers agent (David Hall Interview Part 1)
26 Jun 2024
Contributed by Lukas
How much does mining, oil and gas influence Perth's property market?What is driving the current boom?In this interview with Perth buyers agent Da...
5 tips to choosing a Property Manager (and Mistakes to avoid)
12 Jun 2024
Contributed by Lukas
Property investing involves assets worth hundreds of thousands to millions of dollars- so choosing someone to manage this asset is so important.We hav...
Life Update- Finance challenges!
29 May 2024
Contributed by Lukas
In this episode, I give an update on Passive Income Doctor, and how portofolio is faring- interest rates in last 2 years gone from 2% to 6.5%. Headlin...
Interview with Dr Urszula Carr (NHS to Australia, Life Coaching)
15 May 2024
Contributed by Lukas
In this episode we chat with Dr Urzula Carr, histopathologist, and life coach.We discuss journey from Poland to UK, working in the NHS, and then life ...
Private billing (the why and how)
01 May 2024
Contributed by Lukas
Why the trend is from bulkbilling to mixed/private billing?The Medicare rebate freeze, and effects on general practice sustainability. The rising cost...
Richard Bharata (Perth boom, and 2024 predictions)
17 Apr 2024
Contributed by Lukas
We have back on the show Richard Bharata, property investor and buyers agent. We catchup on what's happened in the last 12 months, some recent cr...
Buying Home vs Investment property
03 Apr 2024
Contributed by Lukas
Age old question, buying own home vs investment property? And which one first?Where rentvesting sits in the picture?It is a personal question, however...
Holidays (and Why Points Hacking is a Trap)
20 Mar 2024
Contributed by Lukas
Holidays and taking timeout is important for doctors. How to optimise this, and how it can help you be a better doctor.Also I talk about my (controver...
Index Funds and ETF
06 Mar 2024
Contributed by Lukas
In this episode, we explore basics behind index funds and ETFs- rising popularity over last few decades. Also, how it stacks up against active/managed...
Profiting from Market Cycles
21 Feb 2024
Contributed by Lukas
Theres a common saying "Its time in the market, not timing the market". I believe long term horizon for investing is important, however timi...
Doctors and AI (Interview with Claire, ScriptAI)
07 Feb 2024
Contributed by Lukas
In this episode, I interview Claire Lim, medical student and co-founder of ScriptAI, an artificial intelligence tool to help doctors write notes. We d...
Insights from Eamon Murray (Locum Agent Australia)
24 Jan 2024
Contributed by Lukas
In this episode, I chat with Eamon, a medical recruiter looking after locum doctors all around Australia. We start by discussing the motivations and b...
Personal Finances for Doctors
10 Jan 2024
Contributed by Lukas
How can busy doctors set up their personal finances to maximize chance of success?Todays episode, I share 5 steps that you can take to simplify your f...
Predictions for 2024 (Property, Healthcare trends)
27 Dec 2023
Contributed by Lukas
Today, we review what property prices did in 2023, and what factors are shaping the Australian property market for 2024. I also discuss some key annou...
Tips for Sydney Property Market (Dan Sofo, Buyers Agent)
13 Dec 2023
Contributed by Lukas
Today we chat with Dan Sofo, Sydney buyers agent who covers bluechip areas such as the highly desired Eastern suburbs. We cover his journey from hospi...
20 Must Ask Questions for Every Property Investor (Margaret Lomas)
29 Nov 2023
Contributed by Lukas
Margaret Lomas is a recognised Australian property expert, and the best-selling author of nine property investment books, including 20 Must Ask Questi...
Steve Palise- Commercial Property Myths
15 Nov 2023
Contributed by Lukas
Awesome interview with Steve Palise, commercial buyers agent.Some highlights:•first property purchase going from 230k to 330k in 1 year!•making th...
Why Doctors Don't Get Rich
01 Nov 2023
Contributed by Lukas
Common scenario- household with 1 or 2 doctors, high incomes but high expenses: mortgage, insurance, CPD, private school fees for kids, some holid...
Private Billing GP (Interview with the Meat Medic)
18 Oct 2023
Contributed by Lukas
Controversial topic: GPs in Australia switching to private billing. In this continued interview with Dr Suresh Khirwadkar, he shares: • why more doc...
NHS to Australia, turning $500 into $500,000 (Dr Suresh, Meatmedic)
04 Oct 2023
Contributed by Lukas
Today Dr Suresh Khirwadkar shares his journey, from NHS in the UK, to working as a GP in Australia.We talk about how money lessons in childhood influe...
Self-Care as a Doctor
20 Sep 2023
Contributed by Lukas
Doctors are trained to put patients first, but how often do they take a moment to look after themselves?From unpaid overtime, to working through lunch...
How to Value a Property
06 Sep 2023
Contributed by Lukas
Common question I’m often asked, is how do you determine how much to offer for a property? The agent has listed a price guide, but what is it actual...
Rise of Borderless Property Investing
23 Aug 2023
Contributed by Lukas
Why is borderless investing on the rise?Investing interstate can mean professionals living in expensive cities, are able to get a foot on the property...
Happy Money (Ken Honda book review)
09 Aug 2023
Contributed by Lukas
Why are so many doctors unhappy? Why do some always struggle with money, whilst other people seem to have money under control? Today we explore ‘Hap...
Interview with Property Investor Richard Bharata
26 Jul 2023
Contributed by Lukas
6 properties in 18months! Today I interview Richard Bharata, an investor who has turned his hobby into his own business, helping others purchase prope...
Scarcity vs Abundance (Investor Mindset)
12 Jul 2023
Contributed by Lukas
Scarcity vs Abundance mindset, this important concept influences our personal and financial life. Often feelings of jealousy or inadequacy arise when...
Interview with Anu (Locum Doctor Australia)
28 Jun 2023
Contributed by Lukas
Today, we interview Dr Anurag Ganugapati, an Emergency doctor based in Victoria, and founder of app StatDoctor. We discuss his journey into medicine, ...
Buying property process Australia (Contracts, Auctions, Settlement)
14 Jun 2023
Contributed by Lukas
In this episode, we talk about what happens once you've found the property you wish to put an offer on. What steps need to happen to ensure a smo...
How much do Doctors earn in Australia
31 May 2023
Contributed by Lukas
How much do doctors in Australia make? We breakdown the earnings, from 1st year junior doctor, all the way to consultant. I also compare earnings by...
Mortgage strategy for doctors (Interview with Michael Hughes)
17 May 2023
Contributed by Lukas
This was an insightful interview with Michael Hughes, founder of mortgage broking and financial advice firm AHK. We discuss mistakes doctors and other...
Interview with Dr Kelvin (Australian GP journey)
03 May 2023
Contributed by Lukas
Today, we interview Dr Kelvin, a Sydney-based GP. We discuss his journey into medicine, what it's like working as a General Practitioner in Austr...
Australia and private health insurance (Medicare Levy Surcharge)
19 Apr 2023
Contributed by Lukas
In this episode, we give an overview of Australia's health system, including Medicare, public vs private hospitals. Also we talk about pros and...
Interest rates 2023 (and Picking the bottom of property market)
05 Apr 2023
Contributed by Lukas
UPDATE: interesting to look back and see what actually happened to property prices- so much negativity at the time in the media.10 consecutive interes...
What makes property increase? (9 drivers of house prices)
22 Mar 2023
Contributed by Lukas
What actually makes property prices go up? Is it as simple as Interest rates?In this episode, we explore 9 factors driving house prices in Australia.I...
Property Investing for Doctors
08 Mar 2023
Contributed by Lukas
Why is Australian real estate so attractive for many? What are the pros and cons for doctors looking at property investing?We talk about unique advant...
Money Management p2 (Financial Goals, Salary Packaging for Doctors)
22 Feb 2023
Contributed by Lukas
Today we discuss the importance of setting financial goals. We also delve into the world of salary packaging, and how it can help reduce your tax.And ...
Money Management Part 1 (Budgeting, Buckets, and Credit Card Hacks)
08 Feb 2023
Contributed by Lukas
Doctors are well-educated, so naturally should be excellent when it comes to managing their finances right. Right?Unfortunately this is not always the...
7 Side Hustle ideas for doctor (Locum Australia)
25 Jan 2023
Contributed by Lukas
What side hustles can doctors do? In this episode, we talk about locuming, consulting, teaching, alternate roles, medicolegal writing, and so much m...
Buying my first property at 23 years old
11 Jan 2023
Contributed by Lukas
Story time! Today I’m sharing my first step into property investing, as a 23 year old junior doctor. What influenced my decision-making, what resour...
Tax for doctors
28 Dec 2022
Contributed by Lukas
Who pays the most tax? Which specialty is the highest earning doctor in Australia? We talk about ways high income earners can legally minimise their t...
7 Money tips for Junior Doctors (and New Grad Nurses)
14 Dec 2022
Contributed by Lukas
What are common financial mistakes for junior doctors and new grad nurses? In today’s episode, I discuss 7 tips I wished I knew before I started m...
Financial health (Can money really help burnout?)
30 Nov 2022
Contributed by Lukas
What is the link between burnout and finances? Why do high income professionals often end up with poor financial outcomes?In this episode, we also tal...
Financial Independence Retire Early (FIRE movement)
17 Nov 2022
Contributed by Lukas
Is the FIRE movement dead? Should doctors and healthcare workers even aim to retire early anyway?We talk about LEAN FIRE and FAT FIRE. At the end I sh...
Passive Income
03 Nov 2022
Contributed by Lukas
What is passive income, why do healthcare workers need it?Join me on my mission to improve the financial health of doctors and healthcare workers. As ...