Dev Raga Personal Finance

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...

In this episode we cover some of the basic things I do every January to kick start the calendar year. 👉🏾 review budgets 👉🏿 protect my downside risk 👉🏻 review debts, interest rates, terms and condition 👉 keep investing 👉🏼 review all insurances 👉🏽 practice giving 👉🏾 make goals for the year Past episodes on budgets: 545 budgeting types explained 218 budgeting strategies Dev Raga Personal...

In this episode Dev unpacks 8 essential habits and strategies to help you achieve financial stability and long-term success. 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 To chat with a professional and get help about your...

Some investing strategies come and go, but the best ones stand the test of time. Dev shares 5 timeless investing principles to help you build lasting wealth. 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 To chat with a prof...

In this episode it's time to reflect on the 10 things I have learned in 2025, and its not always about finance. Have a good Christmas and New Year period. 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 To chat with a profess...

In this episode Dev unpacks: 👉🏾 what is a non concessional contribution 👉🏿 the bring forward rule 👉🏻 what happens if you breach the $120k cap 👉 pros and cons of making non concessional contributions 👉🏼 downsizer contributions 👉🏽 the Government co-contribution 👉🏾 what Dev does Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth. Need a mortgage broker? C...

In this episode Dev sits down with psychiatrist Dr Ava for an honest, unfiltered look at mental health in the medical profession. They unpack why doctors and healthcare workers aren’t immune to burnout, depression or family violence, how stigma keeps people silent and the real financial fallout when your health crashes. The episode touches on: 👉🏽 why mental health issues show up so strongly...

In this episode Dev and Vince Scully discuss the newly announced changes to the div 296 tax, touching on: 👉🏻 cap or no caps 👉 CPI indexed amounts or not 👉🏼 and what marginal tax rates people will pay for balances higher than $2M 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 revi...

There's so many ETFs on the market to choose from, how do you decide which one(s) to invest in? In this episode Dev shares a system based approach to selecting an ETF that's right for you. He covers: 👉🏾 ETFs vs managed funds 👉🏿 knowing your investor policy 👉🏻 what is your performance objective? 👉 what does the ETF hold? 👉🏼 ETF structure 👉🏽 liquidity 👉🏾 costs & fees 👉🏿 who is ETF...