Most doctors get their first surplus in their early thirties and spend it on a holiday or a car. Felix Taing and Abraham Aguilan make the case for treating it as deposit capital instead, starting with the lending advantage almost no other profession holds: LMI waived by most major lenders at up to 95% LVR, worth ten to twenty thousand dollars on day one. They cover what to buy, where, and in whose name. Then the question that reorders everything. Are you building an asset, or chasing a deduction?

• Medical professionals can benefit from waived Lenders Mortgage Insurance (LMI), saving them significant sums on property investments.
• Early-career doctors should focus on investment properties over personal residence to avoid overcapitalizing and ensure better growth.
• As one's career progresses, utilizing strategic asset structuring can optimize tax benefits and boost financial growth.
• Diversification of investments, including real estate and superannuation, is crucial in a long-term financial plan for medical professionals.
• Each financial decision should be tailored according to individual circumstances, avoiding a one-size-fits-all approach.

1. "Doctors can get LMI waived by most major lenders… sometimes even up to 95%. No LMI, and I think that's maybe one of, if not the biggest lever that a medical professional has up their sleeve." – Abe Aguilan
2. "Are we buying assets to grow wealth, or are we trying to get a tax deduction?" – Felix Taing
3. "In my view, there's no better time to buy than today." – B
4. "We're very in tune with, hey, we want to build assets through property, tax is a consequence of actually investing in property." – Felix Taing
5. "Every individual's different… there's a diversity of the world that we live in… your team of advisers around you should understand that." – Felix Taing