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Dr Manoj Chadha, Mumbai 17 November 2018

An Endocrinologist is faced with many challenges in life; admission to DM program, finding a right partner, dilemma between academic post vs. consulting practice, setting up a clinic, managing a balance between work and family.
As a professional, 3 separate accounts can be created from salary/income accounts: Investment account; nondiscretionary i.e., regular monthly expenses; discretionary expenses.
While investing, it is helpful to define your immediate, short-term and long-term goals; and then a plan to invest should be made: Invest in the first week of the month, every month; increase your investments proportionate to the increase in your income; don’t let the market factors affect your investment plans.
There should be adequate amount of insurance; cover can be reduced as you get closer to the investment goals set by you.
No endowment plans are recommended.
Writing a will is the responsibility of each and every one of us. Legal hassles will be prevented if you write a will before dying.
In the current environment, doctor-pharma relationship is a necessity. Patients are an Endocrinologist’s best marketing agents. The colleagues of an Endocrinologist are his best support system.

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