Podcast
Dev Raga Personal Finance
Hosted by Dev Raga · EN
Money concepts made simple for busy professionals, hosted by Melbourne-based doctor Dev Raga. New episodes every Wednesday.
Formerly named my millennial money professional
Hosted on Acast. See acast.com/privacy for more information.
31episodes
Episodes
Newest firstAll episodes
620 index funds with Vince Scully from Life Sherpa Invest
2w ago00:47:04Tap to summarizeIn 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👉🏻 small cap and micro cap funds can massively outperform big indexes but fees are higher👉🏽 why asset allocation is so important to your strategy👉🏼 the market charts you see online don't include dividendsConnect with Vince or learn more about Life Sherpa Invest at: https://lifesherpa.com.au/investDev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auTo chat with a professional and get help about your situation, click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. The host of this podcast is an authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf Hosted on Acast. See acast.com/privacy for more information.
Transcribe →619 CGT, negative gearing changes & first home buyers with Rach Kroon (this is property)
3w ago00:44:04Tap to summarizeRachelle's book, The Quick-Start Guide to Your First Property is available here: https://amzn.to/4svhyoHThe 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 grants👉🏼 parental guarantee vs the Government guarantee risks & considerationsDev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auTo chat with a professional and get help about your situation, click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. The host of this podcast is an authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf Hosted on Acast. See acast.com/privacy for more information.
Transcribe →618 there's more to life than money: global health, charity work & why giving back matters
4w ago00:38:06Tap to summarizeWhat 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 PEARLS program & establishing a charity organisation👉🏻 pros & cons of charity work for doctors👉 the practicalities of doing overseas charity work: getting the right visa, taking leave, indemnity insurance👉🏼 what opportunities exist for doctors?👉🏽 navigating the emotional impact of high stakes workLearn more about Jono's work below:https://www.tambeglobal.org/www.youtube.com/@PEARLS_POCUSwww.twitter.com/PEARLS_POCUSResearch paper: https://onlinelibrary.wiley.com/doi/10.1002/ajum.70014Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auTo chat with a professional and get help about your situation, click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. The host of this podcast is an authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf Hosted on Acast. See acast.com/privacy for more information.
Transcribe →617 what is a Transition To Retirement income stream? (TTR)
May 500:17:59Tap to summarizeIn 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 consRelated episodes: 🎧 612 what is the super recontribution strategyDev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auTo chat with a professional and get help about your situation, click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. The host of this podcast is an authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf Hosted on Acast. See acast.com/privacy for more information.
Transcribe →616 MLMs vs Pyramid Schemes
Apr 2800:11:29Tap to summarizeIn 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 Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auAny advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. The host of this podcast is an authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf Hosted on Acast. See acast.com/privacy for more information.
Transcribe →615 the business mechanics of GP practice ownership
Apr 2101:12:58Tap to summarizeIn 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 included when you buy a practice👉🏼 funding the purchase👉🏽 recruiting and retaining GPs👉🏾 incentives for rural practices👉🏿 exit strategies for practice ownersConnect with Casey: casey.going@mbspro.com.auRACGP Practice Ownership Conference: https://practiceownersconference.com.au/Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auTo chat with a professional and get help about your situation, click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. The host of this podcast is an authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf Hosted on Acast. See acast.com/privacy for more information.
Transcribe →614 what is a family office?
Apr 1400:21:03Tap to summarizeIn 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: how does war & global conflict affect investment markets?Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auTo chat with a professional and get help about your situation, click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. The host of this podcast is an authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf Hosted on Acast. See acast.com/privacy for more information.
Transcribe →613 the 8-4-3 rule of compounding
Apr 700:14:36Tap to summarizeIn 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 examplesDev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auTo chat with a professional and get help about your situation, click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. The host of this podcast is an authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf Hosted on Acast. See acast.com/privacy for more information.
Transcribe →612 what is the super recontribution strategy
Mar 3100:20:20Tap to summarizeIn 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 strategyRelated episodes 🎧550 are non concessional contributions worth it?609 super in retirement with Martin McGrath from Retire Right610 invest inside vs outside of super, retirement case study + retiree pitfalls with Martin McGrath from Retire RightDev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auTo chat with a professional and get help about your situation, click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. The host of this podcast is an authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf Hosted on Acast. See acast.com/privacy for more information.
Transcribe →611 from Canada to Australia: a doctor’s career and money journey
Mar 2400:55:44Tap to summarizeIn 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 listeners👉🏻 the retirement system in Canada*Name changed for privacyDev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auTo chat with a professional and get help about your situation, click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. The host of this podcast is an authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf Hosted on Acast. See acast.com/privacy for more information.
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