In this insightful episode, Tommy welcomes Dr. Laura Naidoo, a GP from Northern Ireland, for her podcast debut to discuss the thought-provoking book 'Die With Zero' by Bill Perkins. They explore themes like living life to the fullest, spending money on experiences over accumulating wealth, and balancing financial security with adventure, especially from the perspective of medical professionals. The conversation delves into the psychological aspects of money, generational differences in financial habits, and practical tips for maximizing enjoyment and financial health throughout life. Dr. Naidoo shares personal stories and learnings, emphasizing the importance of early financial education and the impactful approach of spending in alignment with one's values and health stages. 00:00 Introduction and Book Recommendation 00:53 Guest Introduction: Dr. Laura Naidoo 01:18 Discussing 'Die With Zero' 03:49 Key Concepts from the Book 06:14 Personal Reflections on Wealth and Experiences 15:21 Impact of Background on Financial Perspectives 18:35 Challenges for Modern Medical Students 20:16 Advice for New Graduates 20:57 Balancing Spending and Saving 21:34 Concerns About Running Out of Money 21:44 The Importance of NHS Pension 23:21 Psychology of Money 24:36 Emotional vs. Logical Financial Decisions 27:28 Taking Sabbaticals and Mini-Retirements 31:11 Traveling with Kids vs. Without Kids 34:25 Summary and Recommendations for 'Die with Zero' 36:18 Final Thoughts and Course Promotion   Want the latest financial tips for doctors and exclusive invites? Join 64,000 doctors here https://www.medicsmoney.co.uk/join-medics-money/ Want a free assessment of your finances? Click here https://medics-hnz5twj1.scoreapp.com Want to improve your finances fast? Then come on our course https://www.medicsmoney.co.uk/medics-money-financial-wellbeing-course/ GP partner looking to improve your practice/ Then come on our course https://www.medicsmoney.co.uk/gp-partnership-programme/ Follow us on Instagram Follow us on Twitter Disclaimer: The information provided in this content is for educational and informational purposes only and does not constitute financial advice. You should not rely on this content as a substitute for professional advice tailored to your specific financial situation. The value of your investments can go down as well as up. Past performance is not indicative of future results.