A field guide for doctors
The Doctor's
Second Practice
Building, protecting, and passing on wealth in India — written only for doctors, by a planner who sells nothing.
Prefer print? Buy the hardcover + ebook bundle — ₹550, delivered across India.
No products sold in these pages · Educational only

Some of the highest earners in India are doctors — and some of the least wealthy, for what they earn, are doctors too. This book explains why.
Free chapter
Read one chapter free: Why the best-paid doctors are often the least wealthy.
Self-check
The Doctor's 60-Second Financial Health Check
Five honest yes-or-no questions. No score is shared with anyone.
1.Do you have term life cover of at least 10× your annual income?
2.Do you have a personal health policy beyond your hospital or employer cover?
3.Do you save and invest at least 25% of your take-home income every month?
4.Have you written a will, and are nominees updated on every account?
5.Do you have a written financial plan you review at least once a year?
0 of 5 answered — finish to see your result.
Praise
What doctors are saying
“This book offers a refreshing perspective on building a strong financial future alongside a successful medical career. The concepts are practical, easy to understand, and highly relevant.”
Dr Jignesh Sanghavi
Gynaecologist, Vadodara
“Most money mistakes are behavioural, not mathematical — and this book understands that. Calm, honest, and free of the fear-selling that fills financial advice. A genuinely humane guide.”
Dr Savan Shah
Psychiatrist
“A clear, well-structured guide that finally speaks to doctors in our own terms. It doesn't chase returns; it builds a sound foundation. I found myself nodding on every page.”
Dr Ghanshyam Gadhvi
Orthopaedic Surgeon, Borsad
“This book will open the eyes of many doctors — to help them create wealth, and not just have a high income. Well written, lucid and easy to understand.”
Dr Alpa Shah
Gynaecologist
“Every surgeon knows you never operate before you've seen the whole picture. This book insists on the same for your finances — an honest diagnosis first, and counsel that is for you rather than for a sale. Essential reading.”
Dr Jignesh Rathod
Surgeon
“Honest, readable, and completely free of the product-pushing that makes most of us distrust financial advice. It taught me to ask better questions about my own money. Every busy doctor should read it.”
Dr Viral Luhar
Gynaecologist
“'If you're on the wrong train, get off at the next stop.' A rare finance book that respects a doctor's time — no product pitches, it simply teaches you to read your financial chart like a patient's report. I wish I'd read it at forty.”
Dr Nilesh Tank
Anaesthesiologist
“A plastic surgeon spends a career on careful, unhurried work — and that is exactly how this book treats money. No shortcuts, no tips, no products. Just the discipline of getting a few big decisions right and leaving them alone.”
Dr Samir Rawal
Plastic & Reconstructive Surgeon
“Most financial advice treats the symptom and quietly sells a product. This book does the opposite — it finds the real cause, explains it in plain language, and asks nothing of you. Unbiased, clear, and worth the time of any busy doctor.”
Dr Kunal Prajapati
Pathologist
Look inside
Look inside
A few pages from the book — the contents, a chapter opening, and a sample spread.

About the author
Hardik Joshi, CFP®
Hardik is a CERTIFIED FINANCIAL PLANNER™ professional and the founder of Shrey Wealth in Anand, Gujarat. For over two decades he has worked almost exclusively with doctors — residents, consultants, practice owners, and NRI physicians — helping them turn irregular clinical income into durable family wealth.
He writes and advises without selling products. This book is the distillation of hundreds of consulting-room conversations about money that doctors rarely have time to finish.
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Hardcover dispatch begins 15 August 2026
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