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start things a couple of minutes. Yeah. Okay. Room. Thanks for joining us. This is talking about three for the F three. Serious. We're gonna be joined by Dr um ish he is going to be talking to Was about his experiences, his F three working in a few different areas of meds. Um, if you not been to one of the talks before, it's pretty informal shop, which could be hearing a lot. There is a chat function on the right hand side of the screen where you can post any questions. I'm going to keep an eye on that through the talk. So if you've got anything you wanna does to ask just those now, if someone could very quickly post in the chopped just now to make sure that you can all hear me if someone anyone could just say, Yeah, I can hear you Just to know that I'm not talking to myself on this whole thing isn't gonna be a complete waste of time. That would be amazing. So I'm just gonna wait for literally anyone. Just a possible Poppy s into the chart. Anyone? It so three less come up. If you can have it literally? Someone a woman just post? Yes, in the shop, please. Okay. Can you guys can you? Actually and me? Otherwise I might have to stop stream in and we can rejoin If you can't have it. I wish I can. You know? Can you have me? Great. Okay. Thank you. Um, so again, thank you for joining us. We are here with the portfolio clinic for their three Siris. If you guys haven't heard of port for the clinic before, it is a service that provides quite a few different things, including as well as these talks. We've also got something called the mentorship program, which is completely free. It is putting junior doctors in touch with trainees in different fields surgery, medicine, all that kind of thing to try and help you, um, move from junior doctor into your chosen specialty. They can advise you on portfolio what the training's like, how to get into a job, how to pass the interviews and things like that. If you're interested, go to the park, further clinic dot com and register for the men tea on. We can put you in touch with a mental. So without further ado, I'm gonna pass things over to, um issues going to talk us through his clinic left three year just to say at the end of the talk, we posting a few but form in the chat and also e mailing it out if everyone could please for that. And I've been really helpful. It's not just how four towards so we can plan. Future talks is also really good for a mission to get some feedback about that kind of stuff he has been talking about on Dad's been so concentrated to give us this time tonight. Really appreciate that. I'm sure. So I'm gonna hand you over to a mission. Al, you gonna meet yourself on dart sharing your screen if you need to. Hi. Good evening, everyone. Thank you very much, Christian, for the kind introduction on welcome, Teo. Five of you. I am glad that you have come to this talk. I wish that I came to similar talk like this. And I wish this kind of court business I'm kind of I noticed when I was in my phone and have to I'm so I'll tell you a little bit about what I did. I'm I did an F three and F four on. I'll tell you how obstruction it is. Just a bit of introduction about how I feel about local years on what I did specifically and any tips towards you talk. I'm going to talk a little bit about finances, which isn't really discussed at any point in our career. Just disclaimer. It's just, you know, take a picture. So it's my perspective what I did. So you can't don't try and sue me if you go bankrupt, which isn't gonna happen. So okay, I'm I always felt I still feel like medicine is a bit of a rat race, you know, Everyone's running on treadmill throughout university, you know, actually, before that school GCC's UK cat, you know, doing you invest itself for then straight foundation training on do. If you don't really stop and just have a breeder, you're very likely to just keep going on that treadmill and watch people either side of few be running the same race on. So I always felt looking back that my two years out my afternoon it forward a really nice breather. I'm just a kind of her life in perspective. Find out what I really want to do. Um, most of the things And I know that if you've attended the first to talk, so if you spoken to anyone who does F three or I have full life, five people will talk about, you know, amazing travels that they've been able to do. And, um, you know, volunteering abroad, research opportunities or teaching, which all fantastic stuff. And it's just a really nice application off the knowledge and clinical skills that you've gained in your foundation training. But I'm going to talk about something a little bit different today on, and it's kind of the elephant in the room when it comes to low coming years, and that is the money, the financial aspect of it. I'm on do it. I feel like it's a massive taboo and medicine where we don't really discuss the money. No one's going to really own up to the fact that, you know, I didn't know if you pick someone to the build up a little bit of money on on, but I think I think that's a little bit unfair that think we're the only career where we would feel guilty to talk about that, But the end of the day, it is a job. You know, you've got bills to pay. You've got lots of things coming up in your life, no doubt, which are expensive. And medicine is a very inexpensive create. You know, you have to pay you for exams, and they cost 502,000 lbs. You have to pay for, you know, defense membership you need to pay to be on there are see GP or whatever college you could be part off. And it does add up on don't have to tell you guys, but if one F two doesn't pay terribly well, so we're going to be discussing that today on just a bit for this came, I'm know, like Mister Burns from The Simpsons, you know, squeezing patients for their money and asking for their a tip at discharge. I'm I'm just talking about one. Expect if it I certainly did. You really all the other things I mentioned at the beginning, like traveling and volunteering and things Well, I want to focus on the money aspect of it. I'm looking in the future and I'm guessing I'm just going to make an assumption that a lot for your left. One's left twos in my position. If I'm looking back, you know, a couple of feet 233 or four years, I'm I had not big debts, but I had debts. The pain had student known to pay. And I was quite fortunate in that my payment wasn't at 9000. It was the 3000. So you guys have a lot more and some, if you might be in debt or in a quite significant overdraft, for example, it looks it's not cheap to live out. I'm certainly not in London. Um, you may have heard from your parents and then the things that you may want to do to enjoy your fat um f three F four like traveling, maybe wanting to vested property on your own personal life. You know, engagement ring, wedding. You know, honey moon, kids, childcare, things like that. My point is, there's so many expenses that just keep coming at the same time between, you know, the neck from F three. Teo, you know, for the following 5 10 years, it doesn't really stop that. I feel like life gets more expensive. I'm so I think it's really good idea to have this in mind when you are coming after interval. I think it's sometimes quite useful to also work backwards. So if you were to look at your pay as I'm a GP training on do if you look at you know when you're f one F two, look at the take home salary off a GPS to one A GPS to to to test e three and just look at your outgoings. I'm you know, candy outgoings. You know how much is right gonna cost? How much of the bill is gonna cost? How much money I'm gonna have left over on? You'll quickly work out. Actually, you don't have a massive kind of cash part of the end of the year, even if you're trying to save a lot. So I really think it's important. I want to tell you a little bit about what I did. So you can kind of get background s. Oh, I was born and bred in London. I I went to impair of on, but because I knew I was gonna be in London for for the rest of my life, I thought let me try for the left to somewhere else. So I went with my friends and we went to Birmingham, which I enjoyed. It's not London. My I did F one F two in Birmingham. I ended up doing F three in Birmingham on Then I come for got sick of burning when I came back home on. That's why I did an F four and that was that set marked hospital, which is kind of part north. A car I'm on day I joined the GP scheme at UCL, which is a brilliant scheme and if any, if you're considering doing its GP training, I'm sure Christian much for it's well, it's just absolutely fantastic on even though I am Ampyra Kratcha and kind of sleeping with the enemy here, I'm sorry. Tell you what exactly I did So, um, my first of embalming. It was a neurosurgery job and that was that. The cream. It's a hospital on which is quite a woman and hospitals, the military hospital, the UK I'm on. This was via a locum agency called IDD Medical and the reason why I stayed in Birmingham and the reason why I chose that specialty. Aside from the fact that I actually ended up being super cool was it paid 55 lbs on our on. This was a long term job. It wasn't. Just add hot shifts. I was the regular kind of S h O on the ward. Um, and so the long days. So 45 hours a week on day off, You know, in a year I think I took off maybe seven or eight weeks to go traveling. So not a massive amount, but, you know, nice kind of chunks of time to go abroad. I'm on. So just a estimate, probably. My growth salary was probably about 110,000 in a year, which is a massive jump from F one F two since something that you would expect. Obviously, don't take home all of that. And I'm It was nice feeling that much on Ben. When I came back to London, I, um, took a role in her job, could interest on a failure. I'm on day. In hindsight, the reason why it paid pretty well is because it's actually a really good job. It's kind of patients who have not sure if you would have come across them, but usually young females of gas if process and then I'll stand loss and drove and they've got pegs. And they've got a PICC lines for parenteral nutrition. And you know, other patients are debilitating chronic disease who have super small bowels, like just centimeters long on D. So it's pretty hectic again. That was my idea. Medical on that was about 45 our what for about 45 hours of the week. So exactly the same amount of time on guess it was about 45 weeks, and that ended up paying Just show off 100,000. So F three F four really built up my pile, and I absolutely loved it. And so I'm going to tell you just some tips that I found useful. I'm trying to, you know, maximize how much money you can make in this in the local years. In their fearful on, guys just want to say again that I'm not a selfish stop, that it's just a really good thing to have in the back of mind that you know I want to do with these things. But I also want to make some money and there's no harm anything what that I had two low Canadian sees that signed up for. It's quite tempting to sign up for more, but I feel like you you stopped concentrating and replying to people, and the relationship between you and the person who's laser with you kind of breaks down, and then you could run the risk of them. Send me a lot of jobs, and it kind of feels like harassing you or email, and you're phoning you with jobs that you're really not interested in because you haven't really told them that connected with them, for example. And they're the person who I was lazy with that idea medical. We ended up talking quite a bit on what's happened, things like that, not not like friends. But I'm talking about the jobs, and if I enjoyed it and just building up a bit for a pool so that if a new job comes out, you know he's got me at front of his mind, I'm always on whatever more was bothering him. So it's good to have that. It's a bit like I don't know if you guys, you know when you're looking for a house or flat. Uh um, you you often try bit of a report of that state agent because you want them to tell you as soon as a house or fat that is, you know, fits your criteria perfectly. You want them to be on the phone, too, So be pallor if you'll kind of flow from agencies on, keep in touch with the roads. Coordinators for F one F two. Um, you never know when they're gonna come in handy, and actually, it's quite nice to go back to a job when you already have experience because you feel super confident. You know the area that you know, the nurses and the registrar's, and it's kind of like you could turn back like a celebrity that, oh so and so is back. So it's quite nice. Be organized. You'll have numerous times and e mails where people ask your DBS, your passport, your CV, your vaccinations, the list goes on. That's only about four things. Honestly, there's about 10 or 15 things. Kick be organized. Keep a folder with just your the's locum kind of documents in on update them. You know, if you're your CVS's changing update that for DBS is it's right up there and it makes it so much easier. You can even sit into one file on, just send it to people and you just don't have to bother. Otherwise, it's really a hassle on the headache going through emails and trying to find this and that just doesn't work in your favor. On one thing that I did quite a bit was there's too low Commission sees that I had, which is identical and holds doctors, and I kind of paid them off each other. So if they're one was kind of offering me a right on a second job, I would, I would, you know, quite brittle And honestly tell them. Actually, um, other agencies offered me this. Is that something? Do you think you can match well, maybe do longer hours Or, you know, is there anything that you can do to kind of beat that off? I'm gonna go for that on in a way, having that kind of competition helped, Um, I think my next it, I would say is I'm I prefer doing regular work. Long term work, rather than add hock on does quite a few reasons why I quite like mowing the team. So you know, consulted down to and there's this stuff. I think it makes work a lot more fun. Otherwise local what can get bit isolated? You know, the local here, no one really knows, comes in for the ad hoc. A new shift, does his work and then all her work and just goes home on. I didn't really want to be doing that. I'm going to think of two years, So I quite like doing that. Um, I want to know why I was gonna be based. You know, I don't want to have to keep looking for jobs and, you know, scrolling through. It's just I felt like it was a little bit extra hassle, which I wasn't really prepared for. ADHD OCD shift do pay better because you can wait right up until you know when they're desperate, and then you can kind of thin ago shape a pretty good feed. But I feel in the long run, actually, doing the long term job works in your favor and probably builds up more because you're not having days off. You know, if you're feeling lazy, there's no you can't, you know, just not go in or not. Look for it at home shift. So I think it works out for more money in the long run. And then there's some bonuses. Like I said, I quite like knowing the team. And I negotiated appraisals both years on future references on just some career vice. And I'm still in touch with some consultants, especially there, said marks ones for four where I'm ah, worked in intense on a failure rather than the burning one on. They are still mandible in reference to my CV and things. So it's just nice to be part of the team. I'm what what quite like is if you have a you know, if you are the regular local S h o, I feel like a consultant slash the road coordinator give you a bit more freedom to go abroad. If you give them a heads up, you say, you know, in May I'm going away for about three weeks without the okay on you. Just let them know early so that they kind of fix figure things out around. I'm certain staff thirties, Pay more on diet. Think that's quite obvious, like any still pays the best. You can still get up to about 60 lbs in our as an S h o L A. I said add hot work and the shift patterns are quite demanding. Sometimes they just bear in mind when you planning on doing it for two years. If you're one of those who can go to sleep whenever and wake up whenever then that's great. And actually, you're probably I'm be absolutely fine. But it can be quite demanding on you, so just bear that in mind. Sometimes it's quite it's nicer to settle for maybe a little bit less money. But having you know, a 95 and week heads off, for example, my intestine, a failure job. I didn't have anyone calls so we can decide free. And I could do that occasionally. A locum if I really wasn't doing anything. I'm just to build up on that cash a little bit, um, one really obvious thing. And I don't know off the five of you guys, if you and if your base in London but London have this really annoying cat on, it's about 30 to 35 lbs on Escalate that it has to come from my division of managers, and it's little bit tricky. Having said that, a knee still okay. And actually, if they're really short, then things can be escalated on. That's all because of supply issues and so many, you know, local. That's in London, that they can afford to cap the rates and people will still show up. Um, so that's something to bear in mind. There's an app called Patch work, which I found really useful, and I still use up to this day on that's patch work on. But it's a free app on that has most hospitals in North and West London signed to it on, So it's just a really easy way to look through what's going on. You could filter it by, um, you know which hospital is you are in what grade? What's better tea and stuff like that on. That's updated quite often so, and there's more and more hospitals being added to that. So definitely recommend doing that, and you can just put all your documents on there, and it sends out some of the hospitals, and they will approve fit like in the central manner. So it's a lot less a day, um, mid and certain pace that in London which is why I said in Birmingham for that extra year, you know, at least 40 lbs now. A quite a lot were 45. 50. Plus, I'm on detracts some of my friends, they would live in London. They would just take the train up, um, Sunday night and then stay in Birmingham or someone millions of somewhere completely random in Airbnb, our hotel or even the hospital commendation. And then Friday, after weather, come back to London. If you really kind of looking to chase the money, then that's an option. I mean, I don't know how he did it, but it sounds very tough, but just think about the so many different options that you can do. I'm What would say is that I felt the local, um, world was a little bit for a dog eat dog world. I think you have to watch out a little bit because hospitals office, it's always trying to find people labor because you know it, it backs up a lot of money for them. People will try to undercut you on offer, you know, less right on. I think the way around that was certainly what kind of work for me is getting to know the consultants. You're in charge off the rotor on who are in charge in employing these as it shows, Making good a good impression. I think there is a massive kind of stereotype that locals are lazy on. They just come in on day. They can't really be bothered to chase. Things will do their proper work, and then they go because they know that, you know, they're not going to be in to get taught off. Don't be that person off the sleeper as much effort. And I'm not at that after you got this. I'm sure you know already. And you know it doesn't matter if it's local drug, wife one or whatever you're there for. The patient know about the you know who's paying you in the local agencies Doesn't matter on by point is, if you worked really hard and you get along with the consultant and you're impressive consultant, there will be less inclined to then choose a cheap S h 02 place to you. So that works out really well on alongside that, knowing the road road record, NATO, they normally hold a lot of power. I'm so, uh, things being friendly have been good. A job three helps. I mean, the roads coordinates in Birmingham. I got quite no, not friendly, but, you know, good terms with on She gave me a heads up. Once when someone was applying for the same job for a lower fi on, I had to undercut my right only to make myself more competitive. I went towards I think, in the last two months of my F three job, I have to go down from 55 to 50 just so I could compete with that person who had quite often you're a surgical experience on that kept me in the job. So the's just random using of other guys. I'm just rambling, but I hope some of it will stick and some of it is useful. Before you start your after an F four career or just a few started, it's worth talking to HMRC on DPA be on the phone. The waiting times is that like 30 40 minutes, but they're very good and they explain your situation that look, I am, I do the zero our contracts. I'm working this different trusts on This is my main one, and this is gonna be a muscle mentally one. Then they can adjust your tax code because otherwise you'll find everything is just emergency tax. Then you basically basically get take home for less than 50% which is really a softening. So look at your pace lips and kind of get salve you of what pace that's mean on, you know, at the bottom, growth, pay and deductions and everything. It's good to try and learn about what it all means, so I would definitely recommend that. Now. I'm just going to talk a little bit personal about what I did with my money, because people don't really speak openly about this. Um, Andi is like I said, it is a bit for it to be subject, but I'm there's no harm in me telling you what I did. And if you've got some ideas and that's good, and if you know you want to stay away from that, then that's fine on. So I kind of diversified in terms of investing on, you know, with that money I made, there's no point it's sitting in the bank with the, you know, the rates of interest rates. It's so poor sub inflation. It's you losing money. It's actually easier if you just leave it in the bank. I'm having said that the bank is still on the safest place to keep your money. I'm But what I did is, I think is four years. Ah, three or four years in a I'm invested some Cryptocurrency, which is like my high risk strategy. And I invested some in the stock market, which was the S and P 500 on. Then I brought that in the three in Birmingham on I bought a flat in London, and therefore, um which I've just spent the last year with your improvement refurbishing. I'm so I've made some good investments, I think on D I hopefully over the next few years that have to worry as much about money. Um, so you know, I can't recommend enough thinking about the financial aspect of it. Looking back, I wish I did invest in the Financial Advisor. I personally don't come from a finance background it all on, but like I thought Phew. Probably all of my friends now pretty much medics or pharmacist or nurses or whatever on No, no one knows that So unless you women's like you answered, it has, like a sibling or parent in the finance industry. I would definitely look into getting a financial advisor. And so I'm sure I read that there is some, I think, being may or empty or what some of these companies, which would be a part of offer free financial advice, two medics on. But if you can't find that, it's worth probably investing just with some advice about what to do on their talk about, you know what your risks are like and what your plans for the future are and things like that. And I wish I did something of that rather than just kind of guessing. Um, but on the flipside, if it you end up learning quite a lot for yourself. So either way, just make sure you do some research due diligence. Um, one thing. I'm going to guess that again that you guys are foundation training on. Some of my friends wanted Teo again make as much money as possible, but they've their mindset was the best way to go is speed through F one F to go straight to do the training, complete that, but that's only three years on, then locum as a GP, which actually makes upsets in that. And it's much, much better pay to be a local GP on in the long run, it does make sense. But the only thing problem I had with that is that the money comes later. So you're struggling. Is that for next to and then GPS D one and to pay? It's not incredible and even three, So you may struggle a little bit, or you may not be able to finance your holidays or volunteering or do the things that you want to do when you're when you're young. So I think for me having the money really was important on something for you to reflect on. You know, everyone has their own kind of perspective and what's going on in their life. So just think. Do I need the money now, or does it make sense for me to get the money a little bit later on? Yeah, um, one benefit of having the money really is apart from being able to afford, you know, going abroad and things like that. If you're investing, you get the compounded trust over a few actually years. So that is, financially it kind of makes sense. Uh, one thing that I definitely recommend is try and get on the property ladder I'm renting is more expensive than paying for a mortgage, especially in London. Now it's ridiculous. You can't find, uh, anything pretty much for less than 1000 lbs a month on, but just remind that when you're paying rent, that money is disappearing. It's so not this pocket. So you're never going to see that money again. Um, on depending for a mortgage, although initially you put a deposit down for a flat or house, and that is a chunky amount of money. The mortgage payments each month tend to be less than renting. For example, my Fat Birmingham and paying about 510 lbs a month, which is barely anything on dime. Obviously, renting out on that covers my own mortgage on, then. My flat in London is 900 lbs a month. That's a to bed two bath, so it's significantly cheaper. So it's worth trying. Teo create enough money for a deposit that could be 5 10 15% of the more you put down, the better because the interest rates will be lower. Onda, even though these mortgage payments are still a lot, you know, paying nearly 1000 lb a month towards my flat, it's going it back into my own pocket because I'm just paying off my mortgage. Everything I'm losing is the interest on my mortgage so worth looking into a lot. These things repaving mortgages, interest only mortgages if you're interested in getting the proper letter, which would definitely follow, um, one kind of side thing, which I didn't even think would be useful or would be gained from having after in a four is different. Skills are flow if one enough to obviously the clinic last. That's fit and communication and think on the spot and other medicine side of things. But I think it is important to extend your kind of skill set and knowledge, and it's a bit from just not medicine but finances and property on. But, um, it just kind of that private aspect fit because you never know in the future you might want to be a partner in a GP surgery, and you're gonna be looking at contracts and, uh, you know, lawyers and things like that, or you might want to local a little bit when you're a little older or even you might want to go into private practice. So I think the things that really help our just appreciated the competitive nature of fit on making yourself mawr just sellable because it is a market. The financial aspect if it looks sorting out finances and taxes and investing of things, self assessments, which you will probably have to do when you're Let's say, if you're a GP partner on, then in buying a property, you actually get a lot of skills because you're dealing with lawyers and competitors and contracts and you're looking at mortgages and credit schools, things that you're probably gonna do, you know, when you're little bottles, there's no harm in getting some reception early on. Things just makes sense because of wise. It is a massive. It's a minefield out there on. It is quite hard to get your head around because we've haven't been exposed to these kind of things, so I definitely recommend that on in terms of investing. We'll go talk to much about what to invest in, probably if things change over time, but I would say a diverse if I don't put money into just high risk things. One of my friends are fortunately he eat it f three and f o N f I. You put all this money into gold in the Hong Kong market through this random girl that he met which kind of screened alarm bells and you put like, I think 100 150,000 lbs in on day loan. Behold, he lost it during covert and just never heard from her. So be sensible of your money on some, you know, it's quite easy to want mawr try and do load because you can't go far but just kind of take a step back and and just think, you know, how risky is this? That the other property isn't as risky as Cryptocurrency on Look into, um Isis. So these the individual savings accounts you can get cash ices, which pay a certain interest rate, which is a great stocks and shares ices, um are much better on, but the whole point of the ice and the benefit of that is you don't pick any tax on the profits and you can put up to 20,000 lbs every year. So if you keep your mind, it would be able to get 20,000. But if you quiet trumpet five or 10,000 lbs in every enter starts and Sherzai, sir, have a return. If about, you know, 45% then you're getting free money, which not paying tax on that money would have just sat in the bank. So look into Isis. That's individual savings accounts. Um, one thing that I would recommend if you're going to go into the stock market, unless you're really savvy and you read the Financial Times over time on every you know what's going on other than try to pick and choose. I've been there on, uh, don't try on do, um, time the market and stuff because we're medics. Yeah. Be honest of yourself. We're not going to be following, you know, the numbers all the time. Staying up like these bankers. Do you pay, You know that they work hard, Teo make money, and we I don't know One thing to be that person, what's not safe for something called Tracker and funds And what that does is it track certain markets like the 5100 is the top 100 companies in the UK on d. You'll be putting your money kind of distributed amongst those 100 so that's that's a lot safer. I I feel like that American version, which is S and the 500 is a lot stronger. Those companies are apple Microsoft alphabet on video, things like that which, if they were all to go bust, I live in the world's probably coming to an end. So I found that a lot safer and even drink, overdid, addicted and just come back up. So just something to to bear in mind, Um, and the last thing I'm just going to say is student loan, the student loan plan that you're on changes amount that you have to pay. I was quite lucky to be on can one on. So the interest rate for my student loan was only 1.5% which isn't that much on. But, um, people would be tempted to pay that off because it's like a looming thing, you know, looking at your student loan. Um, but if it's only 1.5% it's actually worth investing your money somewhere else as longest, that interest on that investment is more than what we're on. I hope that things that if not, I'll put my email in the chat and I feel free office. He tells me questions. Or if you want me to find, because I appreciate I'm just jumping between random stuff, Um, And then there's a few extra things. Check in your contract when you're going, especially for a long term contract. What the pension situation is on day that because during my neurosurgery job, the pension, your you contribute and you're on Procrit tributes is well. But in my neurosurgical job, that employer did not contribute. It wasn't part of my contract, so I couldn't contribute as the employees on. I also contributed on behalf off the employer. So my own funds the base I was paying twice into my own pension on Greenwich is pension is brilliant. Don't get me wrong, but because I wanted to maximize money, I decided to opt out of pension for those years. Something to bear in mind is actually that if you if you take out money, if you don't have the pension and you take money out that pension or stop the contributor pension that money is going to be taxed s O in the long run, it doesn't really make sense. If you're not desperate for the money pain intervention, it's great. Just, um, closing remarks on enjoy a locum years, and I have been talking about money and whole time, but I my favorite things, you know, I didn't think about money at all. It was about my traveling on my volunteering on, but, um, you know, spending time, my friends, because life quickly escalates off for that on. Before you know it, you're married and you've got lots of kids and you got a house. And it's really difficult to coordinate these things if your mates just go out on enjoy. So enjoy travelling. Enjoy every three or four. How many f one f you want to do? Um, on. But I'm more than happy. Teo kind of speak to you. Any of you should you want me to carry trying, think or on talk about anything else. Um, so thank you for listening. And thank you for listening to me Babylon. Any questions on the chat? Christian? Thanks so much for that. That was really good. Take on everything as you say? I think money on finances in general is something that people don't really talk about. But if it's a boost, subjects who is good particularly full, um, F threes and fours and all that stuff because it is a huge reason people do them. Certainly the reason I didn't mind Oh, are a big part of why I did mine as well as all the benefits that come with, um, you know, taking some time out. Um, you said you mostly kind of did, um, structured jobs. You think it did you local with local agencies? It all, Or did you just stick with your, um, the clinical jobs that hard? You know, about the junior fellowships? So So they were through locum agencies. So it was a job put out through. So for neurosurgery, New surgery department were looking for a long term local, Is it show? And I found that vial idea medical. So yeah, they were all through excellent locum. So you can sometimes go via bank internally on that cuts out the middleman so it sometimes can be helpful. But you have to really look yourself on, you know, having a agent. It's almost like having a mortgage broker. They know that they know the system. They know what's out there, and they can help find the best thing he's. I relied on my agent. That's good. We were talking last. So our talked last week was just about but hello coming and pretty much the opposite kind of a. Supposedly you didn't some of the pros and cons of that. So it's really interesting to get a different perspective on things. Uh, so you obviously did a few different jobs and benefits. It's a lot from them. Do you still use the kind of skills that you learn during your your low coming in your your day to day job now? Absolutely. So I was very surprised. Presently surprised for neurosurgery thought. How is this gonna be useful in GP by ended up doing a lot of suture ing. If the patients coming in subdural hemorrhage is, they get holes and have grains in the head on would be my responsibility. And it sounds really kind of crazy for a potential like possible future defeat training to take that out and suture that the whole, which is normally quite big. Um, so my searching skills are are not too bad on. I'm hoping to do a little bit for minor surgery and GP um, and then I guess in my intestinal failure job, because a lot of chronic bowel problems a lot lot of them have massive psychological. It impacts. And, you know, mental health is a massive thing, and probably the most difficult aspect off the job. So I guess that's helped to my gp kind of career in trying to manage that. Thanks. Um, well, it sounds really you're enduring those years. You said you kind of kept it. The portfolio I only knew pay for a portfolio. Which one did years, so I didn't Actually, it was called, um Assad. So that was for the London or Fist hospital on. And now it's kind of mission one. What I did is there are generic mini case forms and see if the forms function forms online. And so I didn't pay for any portfolio I'm on. I kind of generated the forms that were on 14 fish on Do your normal kind of portfolio. Things I just kind of copied, Uh, what there was and then kind of compiled it into a pdf on Sent it by Assad. So yeah, I didn't pay. In hindsight, it probably would have been easy for me to just pay That spent quite a lot of time making with these forms and yeah, value your time. Fair enough. If there's any questions, Just problem in the child room. Otherwise, I think we'll start wrapping up. Unless anything left Do you want to talk about? No, I think that's everything. Christian is anyone got any questions? He's the email. Me? I'll just put my email on the chat. Yeah, I think I'd be really helpful. Thank you. Because obviously we talked a lot. About 500 off Onda. Uh, I think people really appreciate that. So you still got some money in Cryptocurrency them ideo crystal, Do me a favor. Sorry, I haven't verified my counts. I can actually send a message. No, no, post it. Thank you. It's just an issue. Kerala I think I sent you in email. Just not Yeah, yeah, it has been a bit of a journey. Um, I hate it on, but right now I'm not Tomovic the Yeah, I've never quite managed to get the nerve up, Teo to invest from honest boats. There's so many usually out there that these FTS and things like that, which is a slight looking into, I mean, who knows about what's gonna happen in the future, but just a bit research and, you know, brought in your horizons bit away from medicine. And I think it's really good now within the right. I also posed in the trap, just the feet, but link that was talking about earlier. Again. I will fill this out to emails. If anyone could please just give us a feedback about the session would be really helpful belt to ours unto, um, ish on last thing. As this mentioned, that start is just about the men's ship program. Um, again, it's a really good resource, completely free putting Junie doctors in touch with trainees in their chosen fields. If you want to get um, if you don't take advantage of that and it's something you'd be interested in, just go to the port for the clinic dot com, and you can register to be a mental. Um, just put the thing on that. So unless anyone has any questions, we're gonna call and night there. Thank you all so much for joining us and remember for register for our next few talks. We've still got four remaining from this Siris. Um, if I'm correct, the next one is going to be the academic F three, which will be at same time, the seven. PM on the 23rd of March. So Oh, thanks so much for the advice. Right? Thank you. Ever take that? It's by us like Christian.