Dev Raga Personal Finance

In today’s episode from season 4, Dev explains 5 money mistakes he sees doctors commonly making. Related episodes 🎧 117 what is automation? 409 money mistakes by doctors part 2 Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth. Need a mortgage broker? Check out https://www.spherehomeloans.com.au Need to review your personal insurances? Head to https://skye.com.au...

In this episode from season 4, Dev breaks down the concept of debt recycling, touching on: 👉🏾 debt 👉🏿 deductible vs non-deductible debt 👉🏻 debt recycling 👉 tax savings 👉🏼 advantages of debt recycling 👉🏽 disadvantages of debt recycling 👉🏾 final things to consider Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth. Need a mortgage broker? Check out https...

In this episode Dev is joined by Matt Warren, specialist insurance adviser at Skye Wealth to unpack: 👉🏾 recent legislation changes to how insurers can use genetic testing data when you apply for personal insurance 👉🏿 can insurers request your full medical history from your GP? 👉🏻 how does this legislation change impact you? 👉 what is TPD aka total and permanent disability cover? 👉🏼 3 type...

In this episode, Dev chats with return guest and retired GP, Dr Ken McMahon to get his thoughts on: 👉🏾 investing for kids 👉🏿 selecting an accountant & financial adviser 👉🏻 preparing for a retirement lifestyle 👉insurances and self-insuring 👉🏼 lending money to family 👉🏽and if BFAs are worth it Dev's first interview with Ken: 527 lessons from 50 years of investing (with a retired GP!)...

Dev is back with his seventh EV update! After trading in his Tesla Model 3 in 2024, he's now 90,000km into his second one. In this episode he covers: 👉🏾 the cost savings of his first Model 3 👉🏿 the numbers on his second Model 3 👉🏻 does it make sense to buy an EV in 2026? 👉 comparing costs to an ICE car 👉🏽 pros & cons of having an EV 👉🏼Dev's top tips for buying cars Related episodes:...

Having lots of money has it's advantages, but it can also come with added challenges. In today's episode Dev unpacks these, touching on: 👉🏾 trust and relationship issues 👉🏿 family issues 👉🏻 suspicion 👉 lack of privacy 👉🏼 rising stress 👉🏽 social isolation 👉🏾 judgement and pressure 👉🏿 personal risk 👉🏻 achievements become devalued 👉 morality 👉🏼 raising children 👉🏽 his final thou...

In this episode Dev & Vince Scully, Portfolio Manager at Life Sherpa Invest dig into what most index fund podcasts don't tell you, that the index you pick matters just as much as the decision to invest in one. They touch on: 👉 the current interest rate environment 👉🏾 why index investing isn't truly passive 👉🏿 the ASX 200 is basically banks and miners, your "diversified" fund might not be...

Rachelle's book, The Quick-Start Guide to Your First Property is available here: https://amzn.to/4svhyoH The 2026 federal budget landed with major changes for property investors and first home buyers. Rachelle Kroon from Sphere Home Loans joins Dev to unpack what it all means, touching on: 👉🏾 capital gains tax 👉🏿 negative gearing 👉🏻 how grandfathering will work 👉first home buyer schemes and...

What does a fulfilling medical career look like beyond the income? Dev sits down with Dr Jono, an emergency physician, point-of-care ultrasound specialist and co-founder of Tambe Global to explore why giving back might be one of the most valuable investments you make as a clinician. They touch on: 👉🏾 career opportunities in emergency medicine 👉🏿 Jono's path into global health, starting the PEA...

In this episode Dev explains how people approaching retirement can access their super while still working. He touches on: 👉🏾 what is a transition to retirement pension is and how to make use of it 👉🏿 what is preservation age and how is calculated 👉🏻 when can you use a TTR? 👉 why was it created? 👉🏼 how does tax work with a TTR 👉🏽 the pros and cons Related episodes: 🎧 612 what is the sup...

In today’s episode Dev explains the difference between Multi-Level Marketing (MLM) and Pyramid Schemes touching on: 👉🏾 what is MLM and how does it work 👉🏼 how much do most MLM participants actually make 👉🏿 what is a Pyramid Scheme and why are they illegal 👉🏻 real examples of legitimate MLMs 👉 is joining an MLM actually worth it? Dev Raga Personal Finance is proudly supported by Sphere Hom...

In today's episode, Casey Going from Going Medical Group joins Dev to share about the ins and outs of buying and running his rural hometown GP practice. Casey touches on: 👉🏼 how the opportunity came up 👉🏽 operating a large practice 👉🏾 training & accreditation for registrars 👉🏿 key considerations for buying a practice 👉🏻 billing structure, profitability and operating costs 👉 what's i...

In this episode Dev explains the concept of a family office. He covers: 👉🏽 what is net worth and how is it calculated 👉🏾 what is an ultra-high net worth individual? 👉🏿 what is a family office and how does one work? 👉🏻 types of family offices: single, multi and virtual 👉 responsibilities of a family office 👉🏼 pros & cons of having one 👉🏽 what is an embedded family office? 🎧 Listen...

In this episode Dev explains the basics of compounding and why it pays to invest as early as possible. He touches on: 👉🏾 what is compounding and compound interest vs simple interest 👉🏿 what is 8-4-3 rule? 👉 why waiting to invest is a risk 👉🏻 practical examples Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth. Need a mortgage broker? Check out https://www.s...

In this episode Dev explains how the super recontribution strategy works for those in retirement, touching on: 👉🏾 super contributions 👉🏿 what happens to your super after death and who gets taxed 👉🏻 taxed vs untaxed components in super 👉 how to prevent death taxes in super 👉🏽 who the strategy might suit 👉🏼 considerations before using the strategy Related episodes 🎧 550 are non concessio...

In this episode we talk to Matt*, an Australian doctor who migrated from Canada about the similarities & differences of the Canadian vs Australian health care system. We discuss: 👉 training requirements 👉🏻 income 👉🏼 private vs public health care system 👉🏾 indemnity 👉🏿 transferring medical skills between countries 👉 working rurally, any benefits? 👉🏼 Matt's money journey and tips for...

In today's episode Dev is joined by retirement adviser Martin McGrath again to unpack: 👉🏾 a high net worth couple with assets inside & outside of super retirement case study 👉🏿 maxing out concessional contributions vs investing outside of super during accumulation 👉🏻 common retirement mistakes Martin sees as an adviser Dev Raga Personal Finance is proudly supported by Sphere Home Loans a...

In today's episode Dev is joined by retirement adviser and host of Retire Right, Martin McGrath to unpack how super works in retirement. He covers: 👉🏾 what is pension phase and how does it work? 👉🏿 when can you access your super 👉🏻 tax in super - money in accumulation vs pension phase 👉 what is a transition to retirement (TTR) and how does it work 👉🏾 the transfer balance cap explained 👉...

In this episode Dev explains the concept of gearing in personal finance. He covers: 👉🏾 the difference between gearing and leverage 👉🏿 how gearing plays into credit worthiness 👉🏻 debt to equity ratio and what it means 👉 worked examples of gearing Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth. Need a mortgage broker? Check out https://www.spherehomeloans....

In this episode Dev interviews Hazel* about her life and career as an OBGYN specialist in Adelaide. They chat about: 👉🏾 OBGYN as a career 👉🏻 the training requirements 👉🏿 sub-specialties within OBGYN 👉 time spent on call 👉🏼 indemnity insurance and litigation risk 👉🏾 the costs of running a private practice & gender bias in Medicare rebates 👉🏽 Hazel's income 👉🏿 how Hazel invests 👉...

In this episode Dev explains how private equity works, touching on: 👉🏾 what is a private equity firm 👉🏿 what is an accredited investor 👉🏻 private equity specialities 👉 how do you invest in private equity 👉🏼 how does it compare to investing in index funds 👉🏽 fees and transparency 👉🏾 pros, cons and criticisms Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye W...

In this episode Dev explains what a J curve is, touching on: 👉🏾 how does the J curve help venture capital and private equity investors 👉🏿 the stages of a J curve 👉🏻 what influences the J curve Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth. Need a mortgage broker? Check out https://www.spherehomeloans.com.au Need to review your personal insurances? Head t...

In this episode Dev discusses the various wars and conflicts across the decades and how they've affected the markets. He also unpacks why this is the case, plus the concepts justice of war vs justice in war. Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth. Need a mortgage broker? Check out https://www.spherehomeloans.com.au Need to review your personal insurance...

In this episode, Dev is joined by returning guest Phil Thompson, CEO and insurance adviser from Skye Wealth to break down the changes to Total and Permanent Disability (TPD) insurance and why it matters. They talk about: 👉🏾 TPD vs trauma insurance 👉🏿 why some insurers are making changes to TPD 👉🏻 3 new TPD policies being offered by some insurers 👉 will more insurers follow suit? 👉🏽 how wi...

In this episode Dev is joined by returning guest Rachelle Kroon, founder of Sphere Home Loans for a mortgage and lending chat. They discuss: 👉 interest rates in 2026 👉🏾 why an annual mortgage review matters 👉🏿 common mortgage traps medical professionals fall into 👉🏽 why it's important to engage a mortgage broker who specialises in medical lending 👉🏻 offset vs redraw and why use each 👉 fi...