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Financial Planning for Doctors: A Story of Balance, Wealth & Dreams
After an intense 90-minute root canal treatment, Dr. Sandesh finally removed his tight gloves and mask. The patient smiled at his new dental fixture, satisfied. As Sandesh glanced at the clock, the Google assistant announced, “It’s 10 PM.” Another day swallowed by clinical responsibilities.
Before he could relax, his receptionist reminded him of his early morning travel to Mumbai—four more procedures lined up. That meant hitting the expressway by 5:30 AM.
At home, Chitra, his wife and a committed yoga instructor, had already finished dinner with their children, Eera and Ayush. For her, timely meals and wellness were a priority. For Sandesh, these were luxuries—sacrificed daily for his profession.
At 11:30 PM, as he finally sat down for supper, Chitra gently asked, “You look more upset than tired. Something bothering you?”
With a sigh, he replied, “I don’t enjoy traveling to Mumbai anymore. But we need to earn more—for the kids’ education, for a better future. No matter how much I work, our savings never last. I feel trapped. And guilty.”
Chitra nodded. “You need to focus on your health, Sandesh—not just on wealth. I’ve been watching some financial planning vlogs by a professional life planner in Pune. Maybe it’s time we spoke to someone who understands doctors like you.”
That’s when I met Sandesh and Chitra.
After listening to their story about burnout, income challenges, and aspirations, I asked Sandesh a simple question:
“If a genie gave you unlimited wealth tomorrow, what would you do?”
Without hesitation, Sandesh said, “I’d cancel my Mumbai appointments and go mountaineering. I haven’t even thought about it since we got married—but it’s something I’ve always loved.”
That was the breakthrough moment.
As a certified financial advisor in Pune, specializing in financial planning for doctors and dentists, I helped them reimagine their life through what I call the TORCH approach—Trust, Objectives, Realities, Choices, and Hope.
We crafted a custom wealth management plan for doctors—covering:
- Cash flow management
- Smart tax-saving investments
- Insurance and risk planning
- Long-term goal-based investing
- Retirement & education planning
Within a few months, Sandesh and Chitra no longer dreaded month-ends. Financial stress was replaced by clarity and control. They now had a strong financial portfolio, with automated savings, regular investments, and peace of mind.
Last week, I received a call from Chitra. With joy in her voice, she said, “We’re heading out for a family trek to Chandrakhani Pass.”
For the first time in years, the doctor found time to heal himself too.
Doctors, Don’t Let Your Profession Override Your Passion..!
Whether you’re a surgeon, dentist, general practitioner, or specialist—work-life balance for doctors starts with smart financial planning.
Let’s talk:
Niraj Nanal
..after an intense session of over 90 minutes, Sandesh finished the intricate root canal treatment. The Google lady from his table clock announced that it was 10 pm. Taking off his finger-tight rubber gloves n the mask, he smiled and held a mirror in front of the patient’s new dental fixtures. The patient smiled back & left in satisfaction. The receptionist walked in & reminded him that he had to travel to Mumbai for 4 more procedures scheduled for tomorrow. Sandesh was disturbed.
His wife Chitra & the kids had already had their dinner. Being a Yoga instructor and a health conscious lady of the house, having meals in time was a priority for her. For Sandesh, this was a luxury, which evaded him almost everyday. It was just half-an-hour before midnight that Sandesh could spare himself for the supper.
With a genuine concern Chitra asked him, “you look more upset than hungry, anything serious?”
“Have to start tomorrow at 5.30 am to dodge all the rush on expressway. You know, I don’t enjoy travelling to Mumbai, I just can’t… But we need to earn a lot for better education & future of Eera-n-Ayush. No matter how much we earn, come end of month, everything is exhausted. I feel so trapped & guilty!”
“As of now, just focus on your health & not wealth Doctor. Off late, I have been listening to vlogs of a professional life planner. Have a strong feeling, he will guide us with a way out positively.”
An initial exchange of smiles & formalities, Chitra told me about the intent of their visit. They were all words while talking about current routine, responsibilities & need to generate sufficient wealth. Intentionally, I interrupted them and asked, “Sandesh, at this moment, if a Jinn appears and rewards you with more than whatever you ask for, what would you do tomorrow? Don’t tell me HOW MUCH you want, tell me WHAT you want! You may take your time but answer this first and only then we’ll take this ahead.”
To my surprise within half-a-minute Sandesh told me. “I would cancel Mumbai plans, finish all my weekly local appointments and dash for the mountains. After getting married, I haven’t ever even thought of Mountaineering which is so near and dear to my heart.”
“That’s it Sandesh & Chitra! Please handover your concerns & worries of generating such kind of wealth to us. Sandesh, treating the 32 teeth, the so called white mountains, is where lies your Skill and your Soul belongs to the real mountains. Dear friend, please don’t get stuck in these 32 white or off-white mouth mountains from your patients. Go beyond and reach the real snow peaks of Himalayas…“
Being Certified Planners & empathetic listeners, we used a TORCH to help them envision their wishful future. Professionally, we laid out a wealth creation plan with their own desires & priorities with a strong cash flow, insurance & port folio for them. Needless to say, everything went well accordingly. Soon, month ends became charming, not scorching anymore…
Just a week ago, I had a call from the lady of the house elaborating the changed life of the couple & their home. A smooth monthly cash flow had spread a cool in the family and even the main bread-winner was not stressed anymore.
FYI, a cozy foursome have started for an expedition to Chandrakhani Pass in the Himalayas. I feel happy and accomplished as I don’t need to reiterate the four names…
Well, as they always say, “Never give up your passion today in exchange for safe tomorrow…”