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I feel really sorry for you guys. A basic salary of £32k is a joke, even after years of work you can only earn £58k that's absurd. I pay my children's nanny more than that and she has no qualifications. She's on about £50k a year. And I know that most nannies (not mine though) receive their salary in 100% cash (so no tax) and claim benefits - some are live in so don't pay rent, so they are on more like £70k a year.
Is this rich ppl paying their nannies this, how do they find a person . I wod be greatful as my kids are nearly grown adults and this sounds interesting
Have you inflated the figures? Even a university teacher starts at much a lower salary than your nanny. I can only assume that you are an Arab sheik. Even rich UK people would not pay £50000 for a nanny, not even the royals. If your nanny ever leaves, please ket me know.
@@ChrissieSMbut he is quite right that salary is low for doctors… In India even a MD medicine as a fresher earn 2000 pounds and after some years experience he earns 4000 pounds And if he do his superspecality then it’s shoot 5000-15000 pounds Despite the living cost is One fourth of UK…..and UK is developed country… In Aussies also doctors earn so much money
Your viddo has really opened my eyes to how little junior doctors are paid. I am shocked. You all deserve so much more. I can understand why doctors are striking!
Like most profession’s, junior’s start on a much reduced salary compared to the amount they will earn once they become experienced. How much do you think a junior first officer earns at a typical UK airline flying 200 people around the sky’s? It’s not unusual for a Joni or pilot to start out on around £25,000 per year, in most cases with £100,000 of training debt still to pay off. However, once established they can expect to earn upwards of £100,000 per year later on in their career. Just the same as junior doctors who know their salary will greatly improve with time and experience.
To anyone out there saying "doctors are paid as much ss my bank manager". You should realise your bank manager wont ever be at your bedside trying to save your life.
Welldone for this. My sister just began working as a Medical doctor in the UK and I wish she had the nuanced kind of attitude that you have. She has been brainwashed to see everything as negative sadly.
I am a professional Engineer and worked in several engineering firms in the UK for 12 years. I left UK because of low pay scale and hefty Tax and NI deductions. I ended up working in KSA where salary is great and no deduction at all.
Since the creation of UA-cam 20 years ago, we had to wait for the arrival of this Doctor Kumar to finally have the real figures, congratulations to this Doctor and shame to the others in all the UK, who are visibly secretive, horse-dealers, even malicious?
Every single doctor in the UK has started talking about money and complaining every single day. I wish that in the future we an have an American style medical system so that only top notch doctors stay prominent and get rewarded. Rest of them can concentrate more on their performance and effectiveness before talking of rewards and money.
The Government penalises you if you earn over 100K. It's a way of keeping wages low in the UK and inflation lower. If you earn between 100-125k, your NI and Income tax is 60% 🤔
By the way Lenny it is ridiculous what people expect the government to do . Where does the money come from to pay Doctors, Nurses , Physiotherapist etc etc ?
Another problem UK emigrated Indian Doctors face is they don't get married easily. They struggle to find another doctor groom or bride. I know that because I run a UK matrimony group and see all the life and struggles of Hindu- Indians in UK
Well I have mixed opinions when it comes to doctors salaries cos many doctors are very bad at their job and therefore well overpaid. We tend to refer to nurses and doctors like their are all saviours and some kind of angels here to take care of us but many are doing it for the status and salary only and don’t give a fu* about patients
@@drAbhinavKrbut sir that 34 k is only for interns. And that too 40 hours a week. Here in my country we as interns work for 60-70 hours for 7 days. No holiday for 365 dys 😢 and We make 100 USD. If I was in uk working like this I would make 100k pounds. 😢 Don't know why people are always comparing salaries with ronaldo and tom cruise packages.
Thanks a lot Abhinav🤝🏻, for explaining the intricacy at 5:30 of how that precise figure of 173.81 is reached. It was bothering me for some time. I am now at peace🧘🏻♂️
Thank you for a good breakdown on the wages paid to our long suffering doctors, people forget you can be a 'junior' doctor your entire career. As a citizen of many years I am appalled that we pay train drivers the same as Senior Consultants, let alone doctors with years of experience, better off a vet. Taxes however we all have to pay, and the more you earn the more you pay, until it is hardly worth working. You forgot to stress to colleagues from abroad the high cost of living in the UK, this makes your money disappear quickly, before they get too excited.
But no pay…rather than 2008 salary in 2023!!!!HorribleTaking advantage of their dignity…Their humanity is exploited to the core….Solicitors are the people who are making money…actually which has to be cheap for a person to get his justice…Now Justice is only for the rich who can afford it..Doctors who risked their life for others at COVID gets only claps 👏not even the basic Salary which they have to normally receive like any other profession
The NHS is the worst healthcare in Western Europe, other European countries are so ahead. Anyone praising the NHS is clearly delusional, it's such an efficiency jump when you go to countries such as Germany or Belgium and use their healthcare. Very long waiting times, staff who qualified in third world countries and are now working for the NHS (something that never happens in Europe) how many misdiagnosed and died, how many sent home and died, 7.7 million people on the NHS waiting list, not enough beds, not enough parking spaces around hospital, hospitals are old and outdated, GP doesn't care, people pulling their own teeth out because they can't get a dentist appointment and so on.
@@KyojuroRengoku98 1. I am not comparing. 2. Your mentioning of third-world sounds racist and demeaning. Try to work as a nurse or support worker in the overburdened system full of patients. 3. I am in healthcare and I know what I am talking about. 4. I lived for 15 years in Europe and mostly Germany. Their system is overburdened too and now people from other countries are coming to join and support their healthcare system. Go anywhere in the English speaking world and you will find it full of international people (but maybe you associate skills/competence by the color of their skin and their origin). Be grateful and empathetic, many countries in the world do not have access to even basic healthcare and we are talking here about not just healthcare but also social care. 🙏🏻
Your Gross (Pre-Tax) annual income equates to around £45,516 accounting for all the additional hours and concession rates. I'm a 9-5 manufacturing engineer soon, to be a manufacturing manager at the age of 30 with a gross income of £60,000. I have always thought this is unfair as your job is far more noble. As an engineer I see a doctor as the engineer of the human body.
Nice parallel. Thanks for this input. The salary has jumped up now that I'm a bit senior and doctor strikes have caused pay to increase by 6%. I'll now earn 59k before taxes in 2024
This world is messed up, how comes a HGV driver with no qualifications can earn more than a doctor who spent half of his life studying, this doesn’t make any sense to me!!!!!!!
That is abysmall ... as a Senior Engineer at a nuclear power utility, I earn susbtantially more than that (and have done so for decades) ... i am so happy i did not achieve grades to enter medical school (sorry, dad!) ... but dodged a bullet
I'm a HGV technician working in London. My basic is just over 50k. With overtime I can earn upto £90k+. I done a 3 year apprenticeship. I have been earning over 40k since the age of 21. Honestly it's sad to know how much doctors get paid.
I wonder 3 years from now is he going to give Full break down of his earnings. When he'll be on £150,000 plus. Junior doctors are getting paid to learn. Not happy leave and find another profession.
If a profession doesn't have learning on the job, why does years of experience correlate with the pay? Just like an MBA grad learns on the job for years before leading a big company, a junior doctor learns on the job for years before becoming a consultant leading their department. Either way, both do the work and both get paid more as they gain more experience. An MBA, thus is also getting paid to learn. So what's wrong when a junior doctor does the same? By your logic, nobody should complain about their pay because "they're all learning". And most senior doctor salaries hover around £90k.
@@drAbhinavKr I'm a professional i learn in my time. No body pays me and I don't leech of the tax payer. And no they should not be getting paid to learn under any circumstance. You are learning to better yourself and in the end get a job that will pay you well. So do not expect people to feel sorry for you. Most Doctors wouldn't think twice about leaving the UK once they've got to a level where they want to be. Be it a consultant, GP etc Bottom line they do it for themselves and therefore should fund it themselves.
Doctors study on their own for hours to take multiple membership and fellowship exams, take courses like ALS, conduct audits, research, quality improvement projects... all on their own time. Not to mention, their own dime. I think you misinterpret the meaning of "getting paid to learn". Everyone is always learning. And if you don't learn anything on your job, that's on you.
@@drAbhinavKr Same here I do Audits, further learning, additional exams and qualifications. I do not expect anybody to pay me to learn and I don't get paid. I do it in my own time and the sole reason is to better myself and ultimately earn larger sums of money. Bottom line is every professional carries on learning to remain up to date with the latest discoveries, research and gets additional qualifications to earn more. This is not a charity as you will eventually expect to get paid as per your qualifications.
Junior doctors work the same hours as consultants. And the pay is about 40% of consultant pay. So effectively our income is already less because "we're learning on the job". Technically we're paying for our education by earning less. Learning on the job doesn't mean we are not doing our job. It's just that learning is deeply integrated into the work. Nobody's doing any charity here. Yet doctors in 2008 earned 28% more than what doctors at same rank earn today, accounting for inflation.
Unbelievable 😅 I was complaining for getting that much by sitting in the office drinking coffee and sharing cookies 😅 but that's so low considering current prices. We definitely need more french come in and protest for the rest😅
I am astounded .l would earn £40000 as a nurse if l was full time in the care sector.Then people wonder why l will not go back to nhs( now ihs)International health service )except l do permanent nights for no extra and have been qualified over 3 decades.ihs wanted to pay 24000 a year. Newly qualified wage (l am mental health trained not ill!
I found it interesting to compare my pay in video games which is an entirely different industry of course to what you're doing, and found that the bracket and payscale is quite similar, either way the detailed breakdown was appreciated and well worth the watch (there are also quite some stark differences between the industries which is to be expected). For anyone thinking about coming to the UK on a 34K per year salary - as evidenced by this video, you can probably see clearly that after tax deductions, it really doesn't leave you with too much left over. I would definitely have figured that into my long term plan if I were to do it over again, but live and learn.
Wonder why being raised in India as a doctor you don't serve your own country where medical workers are much more needed? I am sure the doctor/patient ratio is much lower in India than in the UK.
@@drAbhinavKrIndia is neither socialist not capitalist. I think that's your personal monetary problem or urge to work in different culture makes you here.
Hello Dr Abhinav !!! I wanna know about benefit of doing MPH ? As I have my plab 2 in jan 2025 so I'm thinking to start mph untill I get done with my plab 2 and find job in nhs what you suggest
My Brother Dr Maniah who was Super Specialist (Endocrinologist) working as Sr. Consultant in Leeds, also his wife was NHS Nurse, left for india (Goa) and started his own Super -Speciality Clinic in Goa, we all were against his decision, but he give reason that he didn’t get any family there and high tax
Hello sir, I'm very grateful for this information. Can you please throw some light on what is the reality of strikes for payment rise amongst doctors in UK? Financially, from the perspective of supporting ones family in India, doing residency in India is beneficial or abroad?
Yes. Indian taxpayers are footing the education bill for all doctors engineers who are immigrating to greener pastures. They should be made to pay back atleast fifty lakh rupees to the Indian government
I can understand why so many doctors left the UK and sought higher salaries abroad with better working conditions. It's for this same reason why I was part of that massive exodus of further and higher education teachers that left the UK from the early 2000s to countries which respected the knowledge and skills we had to contribute. It was interesting to see how a shortage left many universities with little choice but to either close or merge a lot of departments.
i just graduated med school will start my internship this january and im planning on clearing ukmla and going to the uk is that a bad decision? kindly guide me
The NHS Pension is Unfunded and Uncontractual. My Experience is that during my 10 years in the NHS they: 1) Increased the NHS pension retirement age from 60 to 68. Stealing 8 years of old age. 2) Lowered what they pay out, due to RPI link removal and linking to whatever they deem to uplift your salary by each year (CARE Scheme). Even if inflation is 10%, they might uplift by only 5%, therefore decreasing your pension and salary. Not good. 3) Increased the contribution percentage dramatically. Plus given there is no investment 'Pot', only an uncontractual and unfunded scheme, then its simply additional taxation, with a thin promise to pay based on rules they can and have changed as they wish. Good luck planning your retirement if you work in the NHS. As a comparison, a single stock I own pays me more right now per month (pro rata) than 10 years of NHS pension contributions will pay me when I retire. Do your own research, please.
One question: For example if u leave the uk after sometime and go to another country, can u take that NHS pension that u did deposit during your working years? Eg if u worked for 5 years in NHS and now u r moving to another country…. Can u take that pension with u ?
Hlo sir lf l will enter in medical college at 20 then l will complete my mbbs half of 25 then how much salary can l expect in uk as a doctor without neet pg or completing neet pg in ms pls reply
Bro pls keep doing this osum contents👌🙌I'm getting intrigued to this...!!it's an eye opener, currently working as medical officer in Maldives planned to move uk this is really helping me 👍
Thanks for the encouragement Akash! Glad to be of help! That's so cool! I had two friends from Nepal in my Plab 2 group who were also working in Maldives. They both eventually landed a job in UK. Don't know where though. Haven't spoken to them since March last year
i will complete my medicine from eu and decided to work in uk but after your video i have changed my mind i will work in eu such as swizerland or luxumburg
It hurts and pains me to my core that despite making £46,000 more than you per year, that it equates to only making £1,216.06 per month because success brings unequal taxation (after taxes I only make £14,592.00 more than you do despite my salary being £80,000).
I do understand paying fees and other expenses, I have to pay an annual health surcharge and can't get an appointment, my last one I arrived 18 mins later and was told I was already DNA. We are all professionals with fees and personal expenses.
He's lucky to pay only around £500-600 per month. Average rent is more like £1,300 per month, more than double. Then his training in India was much cheaper, and yet he can practise in UK.
Hey Abhinav! Amazing and informative video. Can you make one video for doctors who want to move there after md/ms? With the current condition of the NHS is it wise to move there?
The NHS is the worst healthcare in Western Europe, other European countries are so ahead. Anyone praising the NHS is clearly delusional, it's such an efficiency jump when you go to countries such as Germany or Belgium and use their healthcare. Very long waiting times, staff who qualified in third world countries and are now working for the NHS (something that never happens in Europe) how many misdiagnosed and died, how many sent home and died, 7.7 million people on the NHS waiting list, not enough beds, not enough parking spaces around hospital, hospitals are old and outdated, GP doesn't care, people pulling their own teeth out because they can't get a dentist appointment and so on.
This video is helping me decide whether i should go to the uk for a fy1 or not my first motivation being how much money i will make and the quality of life im a bit hesitant other countries seem much more generous with doctors thank you abhinav for this great video you have been of great help for me
Look at the pay circular for 2023-24 before finalising: www.bma.org.uk/pay-and-contracts/pay/junior-doctors-pay-scales/pay-scales-for-junior-doctors-in-england Also, junior doctors are striking for a pay rise. So may get more hikes later. In 2 years you'll be at CT1 level too so keep that in mind as well
Hello Dr Abhinav. If I am pretty sure that I will not continue to stay in the UK after my training completes, then can I opt out of the 9.8% NHS pension?
You can opt out of pension even if you chose to stay in UK. You just have to focus on making sure you'll have money for the older age when you can't work as much
@@karthiksreddy999 Excellent question. NHS pension is defined benefit. Not defined contribution (which is then invested into a pension fund). So NHS pension is guaranteed to give you a defined benefit when you leave the job. Which is... for every pensionable year you worked in the NHS, they'll give you 1/54 of your final salary for the rest of your life. So if you retire after 10 years from NHS and your last salary was 60K GBP, you'll get (10/54)*60K GBP pension every year.
Never, never, never opt out of an employer's pension scheme. In addition you your contribution your employer also pays money into your pension. This employer contribution is FREE money for you that will grow and compound over your career. You may save 9.8% in the short term but you will loose £10,,000s to £100,000s when you retire....
I think nhs should pay good pensions to doctors for their service to people. It is most noble profession in the world and monetary value is impossible to be judged for lives they save. It is priceless.
Hi really nice thanks. One question do you get the same salary every month or does it change depending upon the number of extra hours that you do ? Also did u do any Locum duties in this month ?
Dr. Can you please tell me about the work that you have to do in the hospital? Is teaching occurring or only treating patients? . I am 3rd year Mbbs student from AIIMS
Western countries created a system where doctors are paid huge amounts - which is unsustainable long term - future is for medical tourism sponsored by respective governments to destinations in Asia.
I do sympathise with the docs ,but my son 20plus years asa an auxiliary n carer has jus got an increase to £12 pH. Both jobs r vital to the public at a DISGRACEFUL RATE OF PAY we all need them ,we don't need as much expensive office and none hands on staff. Z.
Can we minus out Insurance and Pension or just can minus out pension? Cuz 360 and 277 is 600 plus pound its a huge chunk wasted. We can spend in some business stocks invest gold that would weigh more than NHS pension Everyone has diff opinion. But do appreciate this qs. And Thanks for the video❤ Looking forward to work in NHS.
I wonder if there's like a hierarchy in the NHS hospitals, foreign graduates from third world countries like India, Pakistan, Nigeria,Egypt,etc vs graduates from Australia,US, Germany, Canada ,etc vs British graduates?
...bw grateful fate has favoured you with brains resulting you becoming a Dr . There is a large population who are having to survive including handouts. That is just in India for starters. Maybe we should adopt communism (sociopolitical, philosophical, and economic ideology) .lol
So he's making around £47k (£3k/month net) Not bad at all. As an Engineering Geologist with a degree and a masters, it took me around 20 years of experience working on average 50-60hr weeks to earn £47k. Enjoy your money, it's more than most people earn.
@@Makinen689 I studied for 5 years at uni to get a Bsc and Msc. £47k is a very reasonable wage for a junior doctor, especially when there is ample room to make a lot more.
i knew all about the uk pay system long before emigrating here from Seattle, started off as a junior IOS dev at a startup back there but realised health insurance was eating up my income, applied for a number of software dev roles in the UK and got one in manchester with a base pay of £75000, i wouldn’t advise anyone who’s looking to be successful to come to the uk UNLESS you work in software development (preferably in a mid-senior level position) or data analytics as that’s where the money currently is
@@Makinen689for junior doctors maybe,but not at consultant or GP level. According to Euronews,a British consultant earns an average salary of £136,375 which is the 7th highest out of 25 EU countries which incidentally is higher than specialist doctors in France,Sweden,Finland,Italy, Spain,Norway,Belgium,Portugal,etc earn. So,in a nutshell British consultants earn more than most of their European counterparts,not less and similarly the same with GPs!😂 of course if you're a consultant in a lucrative speciality like fertility,cardiology,oncology,etc then private work will potentially net you millions!
Jheeze😯 when you factor in cost of living, £2.9K a month is really not that much, considering how hard doctors work and what they are paid over here in comparison to other countries like Australia, Germany, and the U.S. it's really disappointing in my opinion
A hardworking electrician or plumber earns more than he does, and didn't have to spend a fortune paying for uni fees. Why bother with being a doctor. Don't.
Are you earning better than your Indian counterparts after adjusting to cost of living? I'm really considering UK but only if I'll be earning more than what I'll be earning in India
I would believe so. At least at my rank. Imagine saving 1.5 lakh inr every month... After all expenses. And just 44 hrs of work a week. And that too this 1.5 lakh is being saved at a junior resident level with just mbbs degree. If you do locum, you'll earn upto 1 lakh more in a month working 2-3 days extra
thank you for sharing your information about monthly salary in the uk. Your video gives me more information about what my wages are deducted from "Tax"
My daughter works for the NHS and just recently my son qualified as a doctor. The thing is my daughter doesn't just pay NI, tax and pension. She also pays for her registration and insurance. And yes you would be paid more for extra and anti social hours but thats not your real wage you had to work extra for it. I get paid way more than both of them and i a m not even graduate. I think its totally disgusting.
Thanks for this informative video🌹 could you also make a video about working schedule of this payslip. For example how many days off or night shifts someone would have during a month🙏🏻
Great informative video and All the best. Hope hard working doctors like you deserve more. My feed back about NHS is a disaster. Half knowledge people work and they are extremely rude! Hope the system gets fixed.
@@annewalden3795The NHS is the worst healthcare in Western Europe, other European countries are so ahead. Anyone praising the NHS is clearly delusional, it's such an efficiency jump when you go to countries such as Germany or Belgium and use their healthcare. Very long waiting times, staff who qualified in third world countries and are now working for the NHS (something that never happens in Europe) how many misdiagnosed and died, how many sent home and died, 7.7 million people on the NHS waiting list, not enough beds, not enough parking spaces around hospital, hospitals are old and outdated, GP doesn't care, people pulling their own teeth out because they can't get a dentist appointment and so on.
One question: For example if u leave the uk after sometime and go to another country, can u take that NHS pension that u did deposit during your working years? Eg if u worked for 5 years in NHS and now u r moving to another country…. Can u take that pension with u ?
Crazy rulers of UK, who dont make enough medical seats, and make doctors in sufficient numbers If they did, they could employ their own citizens plus make them rich, rather than from a distant brahmin country
Thanks alot its very informative. May i ask how about medical health insurance for spouse. Is it if i pay the national tax my spousewill be covered under NHS. or the free coverage is only for me?
its not good there not paid well as so much to learn in med school i take my hat of to these guys they work so hard to be drs so deserve to be paid well . i hope as sadly im thermally ill with advanced stage cancer is that the gift of my body for use in anatomy education in medical schools cadaver lab will help educate more med students as to help them become great drs ? god bless them all
Iam a fully trained technician with 25 yrs experience 4yrs training and continued training every year and you are on another more money than me and no doubt your pension contributions and final pay is massive plus your private practices
Plummer here, thier service per hour here in UK are expensive than the Doctors salary …imagine one hour..of plumber service 100 plus pounds the charges..its depend to the plumber if they ask you less than 100 pound…but mostly 100 plus pound…
Some of you asked to support my work. So I've gone ahead and enabled Super Thanks. Just click on the button next to my channel name on any video. You can send whatever you like if you want to show appreciation. All the best, my friends! :D
Is it per month ???
@ragulraje7 seems like a one off thing. The per month is called "join"
@@ragulraje7 per annum
I feel really sorry for you guys. A basic salary of £32k is a joke, even after years of work you can only earn £58k that's absurd. I pay my children's nanny more than that and she has no qualifications. She's on about £50k a year. And I know that most nannies (not mine though) receive their salary in 100% cash (so no tax) and claim benefits - some are live in so don't pay rent, so they are on more like £70k a year.
Is this rich ppl paying their nannies this, how do they find a person . I wod be greatful as my kids are nearly grown adults and this sounds interesting
Have you inflated the figures? Even a university teacher starts at much a lower salary than your nanny. I can only assume that you are an Arab sheik. Even rich UK people would not pay £50000 for a nanny, not even the royals.
If your nanny ever leaves, please ket me know.
But if this guy qualifies as a GP and work as a GP locum his pay rate will immediately shoot up to around £100/hr!😂
@@ChrissieSMbut he is quite right that salary is low for doctors…
In India even a MD medicine as a fresher earn 2000 pounds and after some years experience he earns 4000 pounds
And if he do his superspecality then it’s shoot 5000-15000 pounds
Despite the living cost is One fourth of UK…..and UK is developed country…
In Aussies also doctors earn so much money
@@dr.rhinesarkar31094can't we move to aus after fy2
Your viddo has really opened my eyes to how little junior doctors are paid. I am shocked. You all deserve so much more. I can understand why doctors are striking!
Why do they deserve more? Serious question.
Like most profession’s, junior’s start on a much reduced salary compared to the amount they will earn once they become experienced. How much do you think a junior first officer earns at a typical UK airline flying 200 people around the sky’s? It’s not unusual for a Joni or pilot to start out on around £25,000 per year, in most cases with £100,000 of training debt still to pay off. However, once established they can expect to earn upwards of £100,000 per year later on in their career. Just the same as junior doctors who know their salary will greatly improve with time and experience.
Im not a doctor but i found the video very informative and i learned things i didnt know. Ive been a uk citizen from birth too 😂
this is typical case of anyone who can be a doctor including babes in the womb ???
To anyone out there saying "doctors are paid as much ss my bank manager". You should realise your bank manager wont ever be at your bedside trying to save your life.
if you pay anyone will be at ur bedside
@@rajanpoudel2175 yaa but ig u know there is a difference between just being on the bedside and treating as a doctor on the bedside
Welldone for this. My sister just began working as a Medical doctor in the UK and I wish she had the nuanced kind of attitude that you have. She has been brainwashed to see everything as negative sadly.
Could you please elaborate what she thinks?
I am a professional Engineer and worked in several engineering firms in the UK for 12 years. I left UK because of low pay scale and hefty Tax and NI deductions. I ended up working in KSA where salary is great and no deduction at all.
What's KSA? Saudi Arabia?
@@drAbhinavKr Yes
@@ashkhan7887are you software engineer ??
@@sairajshetye7945 Civil Engineer
Since the creation of UA-cam 20 years ago, we had to wait for the arrival of this Doctor Kumar to finally have the real figures,
congratulations to this Doctor and shame to the others in all the UK, who are visibly secretive, horse-dealers, even malicious?
Really wonderful video. Thanks a lot Dr.
Most welcome!
Love how the tax man came out lol! Thank you for this discussion, Doctor! Loved it, so clear and concise 😊
Glad you enjoyed it!
Every single doctor in the UK has started talking about money and complaining every single day. I wish that in the future we an have an American style medical system so that only top notch doctors stay prominent and get rewarded. Rest of them can concentrate more on their performance and effectiveness before talking of rewards and money.
You want to pay US services? Feel free just go private.
It's ridiculous how much tax is taken. I think tou deserve all the money and more you doctors are doing such an amazing job❤
The Government penalises you if you earn over 100K. It's a way of keeping wages low in the UK and inflation lower. If you earn between 100-125k, your NI and Income tax is 60% 🤔
Lenny be realistic some Doctors and Nurses do a good job but others do not .
By the way Lenny it is ridiculous what people expect the government to do . Where does the money come from to pay Doctors, Nurses , Physiotherapist etc etc ?
@@TOM-TOM-TOM I am a retired person and I too pay a substantial sum in Income Tax to pay for our public services .
You've explained it so well
Thankyou
Thanks doc
Another problem UK emigrated Indian Doctors face is they don't get married easily. They struggle to find another doctor groom or bride. I know that because I run a UK matrimony group and see all the life and struggles of Hindu- Indians in UK
Well I have mixed opinions when it comes to doctors salaries cos many doctors are very bad at their job and therefore well overpaid. We tend to refer to nurses and doctors like their are all saviours and some kind of angels here to take care of us but many are doing it for the status and salary only and don’t give a fu* about patients
That was proved during the Con-flu .
34k is really bad considering the cost of living in UK… Better be a consultant and work out of UK after getting the NHS experience
That's the reason a large number of UK graduate doctors leave for other countries and UK needs foreign graduates to fill these vacancies
@@drAbhinavKrbut sir that 34 k is only for interns. And that too 40 hours a week.
Here in my country we as interns work for 60-70 hours for 7 days. No holiday for 365 dys 😢 and
We make 100 USD.
If I was in uk working like this I would make 100k pounds. 😢
Don't know why people are always comparing salaries with ronaldo and tom cruise packages.
Thanks a lot Abhinav🤝🏻, for explaining the intricacy at 5:30 of how that precise figure of 173.81 is reached. It was bothering me for some time. I am now at peace🧘🏻♂️
Thankyou. It took me a while to wrap my head around this elusive number as well. Glad to be of help!
Thank you for a good breakdown on the wages paid to our long suffering doctors, people forget you can be a 'junior' doctor your entire career. As a citizen of many years I am appalled that we pay train drivers the same as Senior Consultants, let alone doctors with years of experience, better off a vet. Taxes however we all have to pay, and the more you earn the more you pay, until it is hardly worth working. You forgot to stress to colleagues from abroad the high cost of living in the UK, this makes your money disappear quickly, before they get too excited.
NHS ❤ Passionate nurses, doctors and paramedical staff. Hats off. Thank you. 🙌🏻
But no pay…rather than 2008 salary in 2023!!!!HorribleTaking advantage of their dignity…Their humanity is exploited to the core….Solicitors are the people who are making money…actually which has to be cheap for a person to get his justice…Now Justice is only for the rich who can afford it..Doctors who risked their life for others at COVID gets only claps 👏not even the basic Salary which they have to normally receive like any other profession
The NHS is the worst healthcare in Western Europe, other European countries are so ahead.
Anyone praising the NHS is clearly delusional, it's such an efficiency jump when you go to countries such as Germany or Belgium and use their healthcare.
Very long waiting times, staff who qualified in third world countries and are now working for the NHS (something that never happens in Europe) how many misdiagnosed and died, how many sent home and died, 7.7 million people on the NHS waiting list, not enough beds, not enough parking spaces around hospital, hospitals are old and outdated, GP doesn't care, people pulling their own teeth out because they can't get a dentist appointment and so on.
@@KyojuroRengoku98 1. I am not comparing. 2. Your mentioning of third-world sounds racist and demeaning. Try to work as a nurse or support worker in the overburdened system full of patients. 3. I am in healthcare and I know what I am talking about. 4. I lived for 15 years in Europe and mostly Germany. Their system is overburdened too and now people from other countries are coming to join and support their healthcare system. Go anywhere in the English speaking world and you will find it full of international people (but maybe you associate skills/competence by the color of their skin and their origin). Be grateful and empathetic, many countries in the world do not have access to even basic healthcare and we are talking here about not just healthcare but also social care. 🙏🏻
Your Gross (Pre-Tax) annual income equates to around £45,516 accounting for all the additional hours and concession rates. I'm a 9-5 manufacturing engineer soon, to be a manufacturing manager at the age of 30 with a gross income of £60,000. I have always thought this is unfair as your job is far more noble. As an engineer I see a doctor as the engineer of the human body.
Nice parallel. Thanks for this input. The salary has jumped up now that I'm a bit senior and doctor strikes have caused pay to increase by 6%. I'll now earn 59k before taxes in 2024
This world is messed up, how comes a HGV driver with no qualifications can earn more than a doctor who spent half of his life studying, this doesn’t make any sense to me!!!!!!!
That is abysmall ... as a Senior Engineer at a nuclear power utility, I earn susbtantially more than that (and have done so for decades) ... i am so happy i did not achieve grades to enter medical school (sorry, dad!) ... but dodged a bullet
Is this UK?
I'm a HGV technician working in London. My basic is just over 50k.
With overtime I can earn upto £90k+.
I done a 3 year apprenticeship. I have been earning over 40k since the age of 21. Honestly it's sad to know how much doctors get paid.
Video is very informative..but NHS service is very poor. But doc tell me one thing why did you become doc to help the needy or make money ?? 😂
If the government wants doctors to serve the poor, why does it charge such hefty fees for medical education? Communism is a failed concept.
Fresh engineers make 3 times that in IT in US . Thank you for your service
What’s the US engineer got to do with a Doctor in the UK stay on topic or keep out of it .🤔
Not any more. Lots of Engineers are losing thier jobs in America too. Ppl living in their cars, homeless etc.
I wonder 3 years from now is he going to give Full break down of his earnings. When he'll be on £150,000 plus. Junior doctors are getting paid to learn. Not happy leave and find another profession.
If a profession doesn't have learning on the job, why does years of experience correlate with the pay?
Just like an MBA grad learns on the job for years before leading a big company, a junior doctor learns on the job for years before becoming a consultant leading their department. Either way, both do the work and both get paid more as they gain more experience. An MBA, thus is also getting paid to learn. So what's wrong when a junior doctor does the same? By your logic, nobody should complain about their pay because "they're all learning".
And most senior doctor salaries hover around £90k.
@@drAbhinavKr I'm a professional i learn in my time. No body pays me and I don't leech of the tax payer.
And no they should not be getting paid to learn under any circumstance.
You are learning to better yourself and in the end get a job that will pay you well. So do not expect people to feel sorry for you.
Most Doctors wouldn't think twice about leaving the UK once they've got to a level where they want to be. Be it a consultant, GP etc
Bottom line they do it for themselves and therefore should fund it themselves.
Doctors study on their own for hours to take multiple membership and fellowship exams, take courses like ALS, conduct audits, research, quality improvement projects... all on their own time. Not to mention, their own dime.
I think you misinterpret the meaning of "getting paid to learn". Everyone is always learning. And if you don't learn anything on your job, that's on you.
@@drAbhinavKr Same here I do Audits, further learning, additional exams and qualifications.
I do not expect anybody to pay me to learn and I don't get paid. I do it in my own time and the sole reason is to better myself and ultimately earn larger sums of money.
Bottom line is every professional carries on learning to remain up to date with the latest discoveries, research and gets additional qualifications to earn more.
This is not a charity as you will eventually expect to get paid as per your qualifications.
Junior doctors work the same hours as consultants. And the pay is about 40% of consultant pay. So effectively our income is already less because "we're learning on the job". Technically we're paying for our education by earning less.
Learning on the job doesn't mean we are not doing our job. It's just that learning is deeply integrated into the work.
Nobody's doing any charity here. Yet doctors in 2008 earned 28% more than what doctors at same rank earn today, accounting for inflation.
A video on your monthly expenses as a doctor in uk
Plz if possible 😊
Unbelievable 😅 I was complaining for getting that much by sitting in the office drinking coffee and sharing cookies 😅 but that's so low considering current prices.
We definitely need more french come in and protest for the rest😅
Really disgusting that the uk is sorry of good quality doctors, yet we charge you for your own crb check. I am so sorry.
Not much for the amount of studies and hours you work. Doctors should start on £50K salary.
I am astounded .l would earn £40000 as a nurse if l was full time in the care sector.Then people wonder why l will not go back to nhs( now ihs)International health service )except l do permanent nights for no extra and have been qualified over 3 decades.ihs wanted to pay 24000 a year. Newly qualified wage (l am mental health trained not ill!
I found it interesting to compare my pay in video games which is an entirely different industry of course to what you're doing, and found that the bracket and payscale is quite similar, either way the detailed breakdown was appreciated and well worth the watch (there are also quite some stark differences between the industries which is to be expected).
For anyone thinking about coming to the UK on a 34K per year salary - as evidenced by this video, you can probably see clearly that after tax deductions, it really doesn't leave you with too much left over. I would definitely have figured that into my long term plan if I were to do it over again, but live and learn.
Wonder why being raised in India as a doctor you don't serve your own country where medical workers are much more needed? I am sure the doctor/patient ratio is much lower in India than in the UK.
Capitalism.
@@drAbhinavKrIndia is neither socialist not capitalist.
I think that's your personal monetary problem or urge to work in different culture makes you here.
Hello Dr Abhinav !!! I wanna know about benefit of doing MPH ? As I have my plab 2 in jan 2025 so I'm thinking to start mph untill I get done with my plab 2 and find job in nhs what you suggest
Great video bruv 💯🔥 sky is the limit
Thanks Doc! Love your channel too!
My Brother Dr Maniah who was Super Specialist (Endocrinologist) working as Sr. Consultant in Leeds, also his wife was NHS Nurse, left for india (Goa) and started his own Super -Speciality Clinic in Goa, we all were against his decision, but he give reason that he didn’t get any family there and high tax
Hello sir, I'm very grateful for this information. Can you please throw some light on what is the reality of strikes for payment rise amongst doctors in UK?
Financially, from the perspective of supporting ones family in India, doing residency in India is beneficial or abroad?
Yes. Indian taxpayers are footing the education bill for all doctors engineers who are immigrating to greener pastures. They should be made to pay back atleast fifty lakh rupees to the Indian government
They should be allowed to serve a minimum number of years for public service or told to pay back the government's cost.
I can understand why so many doctors left the UK and sought higher salaries abroad with better working conditions. It's for this same reason why I was part of that massive exodus of further and higher education teachers that left the UK from the early 2000s to countries which respected the knowledge and skills we had to contribute. It was interesting to see how a shortage left many universities with little choice but to either close or merge a lot of departments.
i just graduated med school will start my internship this january and im planning on clearing ukmla and going to the uk is that a bad decision? kindly guide me
What did you do@@mohammadaniyal
@@Mastershifu108 still doing my intership
The NHS Pension is Unfunded and Uncontractual.
My Experience is that during my 10 years in the NHS they:
1) Increased the NHS pension retirement age from 60 to 68. Stealing 8 years of old age.
2) Lowered what they pay out, due to RPI link removal and linking to whatever they deem to uplift your salary by each year (CARE Scheme). Even if inflation is 10%, they might uplift by only 5%, therefore decreasing your pension and salary. Not good.
3) Increased the contribution percentage dramatically.
Plus given there is no investment 'Pot', only an uncontractual and unfunded scheme, then its simply additional taxation, with a thin promise to pay based on rules they can and have changed as they wish.
Good luck planning your retirement if you work in the NHS.
As a comparison, a single stock I own pays me more right now per month (pro rata) than 10 years of NHS pension contributions will pay me when I retire.
Do your own research, please.
Doctors in UK get shit money 80k.
it is better to be a nurse in US than be a Jr doctor is UK😂 better pay and less stress 😊
One question: For example if u leave the uk after sometime and go to another country, can u take that NHS pension that u did deposit during your working years? Eg if u worked for 5 years in NHS and now u r moving to another country…. Can u take that pension with u ?
Yes, the hns also puts in 12%😂
@@mukeshjobanputra6721 puts in or takes 12% of that amount ?
@@gadgetworld3312 also puts in the pension pot.
Regardless of earnings all doctors should realise that if not satisfied they are not forced to remain but can seek better rewards elsewhere.
It's easier said than done...
Plenty have.
Hlo sir lf l will enter in medical college at 20 then l will complete my mbbs half of 25 then how much salary can l expect in uk as a doctor without neet pg or completing neet pg in ms pls reply
I haven't done neet pg. Your salary will be same as mine.
Ok
Ok
every sector in the UK pays you to live and to stay poor. The rigid working class mentality is very dominant
Bro pls keep doing this osum contents👌🙌I'm getting intrigued to this...!!it's an eye opener, currently working as medical officer in Maldives planned to move uk this is really helping me 👍
Thanks for the encouragement Akash! Glad to be of help! That's so cool! I had two friends from Nepal in my Plab 2 group who were also working in Maldives. They both eventually landed a job in UK. Don't know where though. Haven't spoken to them since March last year
Don't move to UK from Maldives... 😮
i will complete my medicine from eu and decided to work in uk but after your video
i have changed my mind i will work in eu such as swizerland or luxumburg
how much are you making from you tube you forgot to put that number in your stats
Can you make a video of current economical situation in UK and problems that a junior doctor faces financially if he/she moves to UK at present
It hurts and pains me to my core that despite making £46,000 more than you per year, that it equates to only making £1,216.06 per month because success brings unequal taxation (after taxes I only make £14,592.00 more than you do despite my salary being £80,000).
How are you making 46,000 more than him? His salary is really 48k after calculating overtime and night shifts etc.
In fact, paying NI is compulsory for all employees.
I do understand paying fees and other expenses, I have to pay an annual health surcharge and can't get an appointment, my last one I arrived 18 mins later and was told I was already DNA. We are all professionals with fees and personal expenses.
He's lucky to pay only around £500-600 per month. Average rent is more like £1,300 per month, more than double. Then his training in India was much cheaper, and yet he can practise in UK.
@baz7918 the GMC?
@baz7918that is the point of a standard entry exam.
Very informative and transparent video Doctor. Keep up the good work. Cheers 👍
Hey Abhinav! Amazing and informative video. Can you make one video for doctors who want to move there after md/ms? With the current condition of the NHS is it wise to move there?
They are replacing Doctors with Practitioners. There is no future for medicine in the UK.
The NHS is the worst healthcare in Western Europe, other European countries are so ahead.
Anyone praising the NHS is clearly delusional, it's such an efficiency jump when you go to countries such as Germany or Belgium and use their healthcare.
Very long waiting times, staff who qualified in third world countries and are now working for the NHS (something that never happens in Europe) how many misdiagnosed and died, how many sent home and died, 7.7 million people on the NHS waiting list, not enough beds, not enough parking spaces around hospital, hospitals are old and outdated, GP doesn't care, people pulling their own teeth out because they can't get a dentist appointment and so on.
This video is helping me decide whether i should go to the uk for a fy1 or not my first motivation being how much money i will make and the quality of life im a bit hesitant other countries seem much more generous with doctors thank you abhinav for this great video you have been of great help for me
Look at the pay circular for 2023-24 before finalising: www.bma.org.uk/pay-and-contracts/pay/junior-doctors-pay-scales/pay-scales-for-junior-doctors-in-england
Also, junior doctors are striking for a pay rise. So may get more hikes later. In 2 years you'll be at CT1 level too so keep that in mind as well
@@drAbhinavKr i will right away Dr Abhinav. Thank you for your great generosity.
Hello Dr Abhinav. If I am pretty sure that I will not continue to stay in the UK after my training completes, then can I opt out of the 9.8% NHS pension?
You can opt out of pension even if you chose to stay in UK. You just have to focus on making sure you'll have money for the older age when you can't work as much
@@drAbhinavKrwhat are the returns of pension fund every year
@@karthiksreddy999 Excellent question. NHS pension is defined benefit. Not defined contribution (which is then invested into a pension fund). So NHS pension is guaranteed to give you a defined benefit when you leave the job. Which is... for every pensionable year you worked in the NHS, they'll give you 1/54 of your final salary for the rest of your life. So if you retire after 10 years from NHS and your last salary was 60K GBP, you'll get (10/54)*60K GBP pension every year.
Never, never, never opt out of an employer's pension scheme. In addition you your contribution your employer also pays money into your pension. This employer contribution is FREE money for you that will grow and compound over your career. You may save 9.8% in the short term but you will loose £10,,000s to £100,000s when you retire....
A defined pension scheme based on last salary drawn is a gold plated scheme. You will never get a better pension plan.
what about Dr MD (internal medicine) DM (Neurology). Salary in UK ??
£90k yearly
I think nhs should pay good pensions to doctors for their service to people. It is most noble profession in the world and monetary value is impossible to be judged for lives they save. It is priceless.
Probably the first video I have seen that gets straight to the point. Keep up the good work
Hi really nice thanks.
One question do you get the same salary every month or does it change depending upon the number of extra hours that you do ?
Also did u do any Locum duties in this month ?
Not bad for so0meone training !!! -Your bvig rewards come later along with the Gold Plated Pension - stop moaning .
Use all resources from India to study and escape
"What are you doing?!"; "Looking for undisclosed income." lmao
Very informative with a nice touch of Tax based humour, subscribed ! 😁
Haha! Thanks and welcome aboard.
Dr. Can you please tell me about the work that you have to do in the hospital? Is teaching occurring or only treating patients? . I am 3rd year Mbbs student from AIIMS
Not bad for prescribing paracetamol to people
Are you a graduate doctor or postgraduate?
Grad
I got bored and left. 😊
Western countries created a system where doctors are paid huge amounts - which is unsustainable long term - future is for medical tourism sponsored by respective governments to destinations in Asia.
I do sympathise with the docs ,but my son 20plus years asa an auxiliary n carer has jus got an increase to £12 pH. Both jobs r vital to the public at a DISGRACEFUL RATE OF PAY we all need them ,we don't need as much expensive office and none hands on staff. Z.
Can we minus out Insurance and Pension or just can minus out pension?
Cuz 360 and 277 is 600 plus pound its a huge chunk wasted.
We can spend in some business stocks invest gold that would weigh more than NHS pension
Everyone has diff opinion.
But do appreciate this qs.
And Thanks for the video❤
Looking forward to work in NHS.
Nobody is forcing you to stay in the UK.
I wonder if there's like a hierarchy in the NHS hospitals, foreign graduates from third world countries like India, Pakistan, Nigeria,Egypt,etc vs graduates from Australia,US, Germany, Canada ,etc vs British graduates?
Not that I've experienced. Most of my consultants are Non British natives
...bw grateful fate has favoured you with brains resulting you becoming a Dr . There is a large population who are having to survive including handouts. That is just in India for starters. Maybe we should adopt communism (sociopolitical, philosophical, and economic ideology) .lol
So he's making around £47k (£3k/month net) Not bad at all. As an Engineering Geologist with a degree and a masters, it took me around 20 years of experience working on average 50-60hr weeks to earn £47k. Enjoy your money, it's more than most people earn.
@@Makinen689 I studied for 5 years at uni to get a Bsc and Msc. £47k is a very reasonable wage for a junior doctor, especially when there is ample room to make a lot more.
i knew all about the uk pay system long before emigrating here from Seattle, started off as a junior IOS dev at a startup back there but realised health insurance was eating up my income, applied for a number of software dev roles in the UK and got one in manchester with a base pay of £75000, i wouldn’t advise anyone who’s looking to be successful to come to the uk UNLESS you work in software development (preferably in a mid-senior level position) or data analytics as that’s where the money currently is
@@Makinen689for junior doctors maybe,but not at consultant or GP level. According to Euronews,a British consultant earns an average salary of £136,375 which is the 7th highest out of 25 EU countries which incidentally is higher than specialist doctors in France,Sweden,Finland,Italy, Spain,Norway,Belgium,Portugal,etc earn. So,in a nutshell British consultants earn more than most of their European counterparts,not less and similarly the same with GPs!😂 of course if you're a consultant in a lucrative speciality like fertility,cardiology,oncology,etc then private work will potentially net you millions!
Hi, i just cleared my FCPS and specialization in neurosurgery. Please advise should I move to UK, would l get good job? Right now, I am in Pakistan
As a mitochondria I earn 5 folds more tax free income than this.
Sad state of affairs for doctors in UK.
So what does the mitochondria do?
@@drAbhinavKr Nothing much, just casual power generation.
@@osamaidrees9128powerhouse of cell😂
@@osamaidrees9128😂😂
Jheeze😯 when you factor in cost of living, £2.9K a month is really not that much, considering how hard doctors work and what they are paid over here in comparison to other countries like Australia, Germany, and the U.S. it's really disappointing in my opinion
STOP MOANING! You get the best pension scheme in the UK. There is no no other scheme better than the NHS pension, which is indexed to CPI+1%.
Good explanation doc, I am NHS employee too.
That's great
Dr. If are not happy wi5h your earning , you should go back to where you came from…. India. Help 1.5 Billion human , they need you.
A hardworking electrician or plumber earns more than he does, and didn't have to spend a fortune paying for uni fees. Why bother with being a doctor. Don't.
Are you earning better than your Indian counterparts after adjusting to cost of living?
I'm really considering UK but only if I'll be earning more than what I'll be earning in India
I would believe so. At least at my rank. Imagine saving 1.5 lakh inr every month... After all expenses. And just 44 hrs of work a week.
And that too this 1.5 lakh is being saved at a junior resident level with just mbbs degree.
If you do locum, you'll earn upto 1 lakh more in a month working 2-3 days extra
hi, doctor, your pay in slip is private and confidential. if the pay is not enough go back to your own country.
i will complaint about to you NHS.
thank you for sharing your information about monthly salary in the uk. Your video gives me more information about what my wages are deducted from "Tax"
My daughter works for the NHS and just recently my son qualified as a doctor. The thing is my daughter doesn't just pay NI, tax and pension. She also pays for her registration and insurance. And yes you would be paid more for extra and anti social hours but thats not your real wage you had to work extra for it. I get paid way more than both of them and i a m not even graduate. I think its totally disgusting.
Thanks for this informative video🌹 could you also make a video about working schedule of this payslip. For example how many days off or night shifts someone would have during a month🙏🏻
Great suggestion!
Hi
Great informative video and All the best. Hope hard working doctors like you deserve more.
My feed back about NHS is a disaster. Half knowledge people work and they are extremely rude!
Hope the system gets fixed.
Nayaz I have had recent experience of the N H S and the nurses and doctors were wonderful .
@@annewalden3795The NHS is the worst healthcare in Western Europe, other European countries are so ahead.
Anyone praising the NHS is clearly delusional, it's such an efficiency jump when you go to countries such as Germany or Belgium and use their healthcare.
Very long waiting times, staff who qualified in third world countries and are now working for the NHS (something that never happens in Europe) how many misdiagnosed and died, how many sent home and died, 7.7 million people on the NHS waiting list, not enough beds, not enough parking spaces around hospital, hospitals are old and outdated, GP doesn't care, people pulling their own teeth out because they can't get a dentist appointment and so on.
@@KyojuroRengoku98 My experience has been good and I have been using the N H S for more years than you I believe .
I feel sad 😢for doctors £16 hour very bad ☹️
£16 plus employer pension contribution of 23% that brings it up to nearly £20
One question: For example if u leave the uk after sometime and go to another country, can u take that NHS pension that u did deposit during your working years? Eg if u worked for 5 years in NHS and now u r moving to another country…. Can u take that pension with u ?
Crazy rulers of UK, who dont make enough medical seats, and make doctors in sufficient numbers
If they did, they could employ their own citizens plus make them rich, rather than from a distant brahmin country
Thanks alot its very informative. May i ask how about medical health insurance for spouse. Is it if i pay the national tax my spousewill be covered under NHS. or the free coverage is only for me?
UK government didn’t put a gun on anyone’s head to work in UK. If life is so hunky dory in India… then stay there. Simple
Grossly underpaid!
You speak like a robot...doctor you need to improve your presentation skills...honest feedback doctor dont take it on heart
its not good there not paid well as so much to learn in med school i take my hat of to these guys they work so hard to be drs so deserve to be paid well . i hope as sadly im thermally ill with advanced stage cancer is that the gift of my body for use in anatomy education in medical schools cadaver lab will help educate more med students as to help them become great drs ? god bless them all
Iam a fully trained technician with 25 yrs experience 4yrs training and continued training every year and you are on another more money than me and no doubt your pension contributions and final pay is massive plus your private practices
Plummer here, thier service per hour here in UK are expensive than the Doctors salary …imagine one hour..of plumber service 100 plus pounds the charges..its depend to the plumber if they ask you less than 100 pound…but mostly 100 plus pound…
You come from a culture. Earn £100, save £99…. You spend lot of time on your pay slip