If you’d like to discuss your finances with a professional, you can connect with Anick here: https://www.viderefinancial.com/contact

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You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport

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What if you're already financially free and don't know it? This eye-opening conversation with Certified Financial Planner Anik Sharma reveals how dentists and business owners frequently work years longer than necessary, sacrificing precious time with family and pursuing passions.

Sharma introduces us to a revolutionary way of thinking about retirement—not as an age milestone, but as "the point at which you stop sacrificing the present for a future promise of being happy." Through compelling real-life examples, he shares how proper financial planning helped clients discover they could have retired five years earlier, leading to emotional revelations and immediate life changes.

At the heart of effective retirement planning lies a comprehensive cash flow strategy. Using the vivid "bucket analogy," Sharma breaks down how money flows through our lives and how we can gain clarity about our true financial position. Rather than fixating on arbitrary numbers like "a million-pound pension," he encourages listeners to focus on what that money actually enables in their lives.

The discussion challenges the conventional retirement mindset, highlighting how dental practice owners often become trapped in the "one more year" syndrome—continuously postponing happiness while building wealth they may never fully enjoy. Sharma emphasizes that "real wealth is about time, memories, relationships, and experiences," not just accumulated assets.

For practice owners, there's a crucial distinction between building business value and creating personal financial independence. Many dentists focus exclusively on the future practice exit while neglecting to systematically extract wealth along the way—a strategy that ensures financial freedom regardless of business performance.

Ready to discover if you're already financially free? This episode might save you years of unnecessary work and sacrifice. Listen now and start reimagining what retirement means for your unique life and aspirations.

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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.

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If you’d like to discuss your finances with a professional, you can connect with Anick here: https://www.viderefinancial.com/contact

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Get your free verifiable CPD for this episode here >>> https://www.dentistswhoinvest.com/videos/fact-or-fiction-is-the-sp500-the-best-index-to-invest-in-with-anick-sharma

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“Just put your money in the S&P 500” – it’s the internet’s favourite investing advice. But does it actually hold up? In this eye-opening episode, financial planner Anick Sharma joins us to unpack the truth behind this popular mantra.

We break down what the S&P 500 really is – not simply the 500 largest US companies, but only those that meet specific profitability and liquidity rules. This subtle detail has major implications for investors who assume they are getting full exposure to the US economy.

Anick shares compelling global data that shows how market leadership constantly shifts. The top-performing country one year often ends up among the worst the next. With the US making up about 61% of global market capitalisation, focusing solely on it means missing nearly 40% of global investment opportunities.

We also explore factor-based investing – a research-backed approach that focuses on value, profitability, and size. One strategy highlighted in this episode would have turned £10,000 into £151,000 from 1994 to 2023, outperforming traditional global portfolios.

For those preparing for retirement or major financial goals, Anick offers a three-part framework that balances returns, volatility, and emotional comfort – a refreshing alternative to one-size-fits-all investing.

Tune in now to learn why the smartest investors think beyond the S&P 500 and how you can too.

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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.

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Need help with car finance? Reach out to Ammar Farishta here >>> https://dentistswhoinvest.com/car-finance

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Thinking about financing a new vehicle as a dentist in 2025? Whether you're considering an electric car, leasing through your limited company, or planning for your next business vehicle, this episode breaks down everything you need to know about car finance in the current landscape.

We explore the latest changes to electric vehicle (EV) taxation. From April, EVs now attract a £10 vehicle tax in the first year, followed by a £195 annual charge. While EVs were once tax-free, the government has gradually reduced incentives. However, there is good news – the previously planned luxury tax on EVs costing over £40,000 has now been scrapped, making premium electric cars more affordable for professionals.

One of the biggest developments for dental professionals is access to car finance for new limited companies. Traditionally, dentists had to wait over 12 months before applying for vehicle finance through their business. Thanks to new provider partnerships, it is now possible to lease vehicles earlier – even within the first year of trading. While early finance may come with higher rates, refinancing after six to nine months can unlock more competitive terms once your business credit improves.

The episode also provides important updates on lead times for factory-ordered vehicles. With production times stabilising post-COVID, custom orders typically take 12 to 16 weeks – so if you're targeting the new September '75 plate, now is the time to act.

Tune in to learn how to maximise your options and make smarter decisions when financing a car as a dental professional. Whether you're buying new, used, or leasing through your company, this episode gives you the up-to-date insight you need to get the best deal.

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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.

Send us a text