The Immigrant Doctor Podcast

EP 7: Getting Comfortable with Debt. Avishkar Sabharwal

This episode explores the intriguing world of debt and its impact on investors. I share personal experiences and insights on how debt can be a powerful tool when used wisely, particularly in real estate. I differentiate between good and bad debt and explain the importance of understanding interest rates and mortgage payments. Join me as we unravel the fears around debt and uncover how they can be harnessed to grow wealth.
KEY POINTS FROM THE EPISODE:1. Debt can be useful for investors, especially in real estate, to help grow wealth. The speaker shares their personal experience of how their perception of debt changed after moving to the US, where they realized the power of debt when used responsibly.2. The speaker distinguishes between good debt and bad debt. Good debt is utilized for investments that generate returns, while bad debt is acquired for luxury purchases that do not create wealth.3. Understanding interest rates and mortgage payments is crucial when considering debt. The speaker advises that longer mortgage terms can benefit cash flow and investment growth more.4. The speaker admits that tools for asset performance prediction are available but states that they do not personally rely on them when purchasing assets. They base their decision on the asset's current performance.
CONTACT AVISHKAR:LinkedIn: www.linkedin.com/in/avishkar-sabharwal-m-d-1ab85491/Website: www.theimmigrantdoctor.com

EP 6: Market Cycles with Avishkar Sabharwal

In this episode, I delve into the crucial topic of market cycles and their impact on making informed investment decisions. Using real estate as an example, I explain how markets move in cycles of positivity and negativity and how investors must consider both the timing of the market and time in the market.

EP 5: Investing in Real Estate in Uncertain Economic Times. Avishkar Sabharwal, Andrea Garcia

In this episode, our guest Andrea Garcia shares her knowledge and experience in commercial real estate investment as she discusses changes and challenges in the market. We delve into over-leveraging and the importance of conservative underwriting to avoid foreclosure and ensure investor safety. We also analyze the multifamily sector's decreased sales and how investors can creatively acquire and add value to distressed properties. Additionally, we touch on the impact of economic downturns on real estate investments, focusing on identifying opportunities for long-term wealth-building and financial independence.

EP 4: How Money Works Part 2. Shamaz Mayginnes

In this episode, I sit down with my guest Shamaz Mayginnes to continue our conversation about how money works. We discuss the buzz around recessions and corrections and how they are tied to stock market cycles. We delve into Warren Buffett's investment strategies and how they relate to both the stock market and real estate. We also explore the significance of having local knowledge and understanding the specific market one is investing in. As always, I caution listeners to do their own due diligence before investing and look forward to continuing the conversation in future episodes.

EP 3: How Money Works Part 1. Shamaz Mayginnes

In this episode, we explore the complex and elusive world of the global financial market with special guest Shamaz Mayginnes. We discuss the origins of the financial crisis in 2008 and the consequences of the constant printing of money. We debate the benefits and risks of investing in stocks and the difference between storing money in a bank and investing in stocks. We also touch upon the potential debt crisis that may occur in 2025 and the opportunities for wealth shifts. Lastly, we analyze the investment strategies employed by banks and the concept of wrapping a mortgage. Join us as we take a deep dive into the complexities of the financial market, offering valuable insights and expert opinions.

EP 2: Money Mindset and Financial Freedom. Elisa Chiang

In this episode, we are joined by Elisa Chiang, a physician and life coach who specializes in helping physicians achieve financial freedom. Elisa shares how she transitioned from being a physician to a coach and the importance of financial literacy and mindset when aiming to achieve financial goals. She also discusses the various levels of financial independence and how to assess one’s financial goals and strategies based on individual needs. Additionally, Elisa provides insights on combatting burnout and how to identify the signs to refill one’s cup. Join us for an episode full of valuable insights on managing finances and achieving financial freedom while maintaining a healthy work-life balance.

EP 1: Intro and Background. Avishkar Sabharwal

Welcome to The Immigrant Doctor Podcast with Avishkar Sabharwal! This is a podcast aimed at helping immigrant physicians and medical professionals achieve financial freedom. Avishkar shares how his interest in passive investing was sparked after moving to the US and seeing others successfully balancing family and work life. In this episode, he emphasizes the importance of a deep understanding of any investment, forming a team, and collaborating in scaling real estate investments. His podcast hopes to educate listeners by bringing on successful experts from different fields to share their knowledge and experiences. If you're an immigrant medical professional looking to achieve financial independence, be sure to subscribe!